davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (NM)

I was arrested and was incarcerated for 5 months from XX/XX/XXXX thru XX/XX/XXXX and while incarcerated someone stole debit card along with drivers license, social security card, birth certificate and other personal documents. I was not made aware of missing items until released from jail in XX/XX/XXXX. I reported unauthorized charges to chase and was told ATM transactions couldn't be reported because pin was used but only few transactions I reported were actually added to claim. I had faxed proof of my incarceration 7 different occasions ( XXXX, XX/XX/XXXX ) ; twice from branch XXXX at one chase branch with confirmation and XXXX more times from a different chase branch again with confirmation. Chase claims never allegedly received anything so shipped overnight and finally received but denied documents due to not clearly showing exact dates incarcerated. In meantime, claims denied for different unknown reasons and none of which was explained after multiple phone calls. And transactions I have reported still not being included in claims filed, causing more claims having to be filed. Once I was told new documents needed to state from date arrested to release date, I faxed documents that plainly stated exact dates in custody on XX/XX/XXXX. As of yesterday XXXX I still had to file 2 more claims to include charges that were not included in any previous claims but have been reported at least 5 other phone calls with Chase claims. I have 20+ hours on phone with Chase claims and been told conflicted things with each call. And claims still are being denied after I was told the 60 day liability no longer applied to my case due to extenuating circumstances and an exception was made for all claims and charges. And claims reasserted with exemption now included to give 3-5 days for update. When I call 3-5 days later, nothing has been done or anything the previous claims specialist has told me was being done is not entered in system, having to again go over issues and told same thing is being done and give them 3-5 days. My claims are still being denied and this has been 3 months I've been trying to recover funds that I have reported with every phone call all charges from XX/XX/XXXX thru XX/XX/XXXX as fraudulent yet chase claims fails to properly document or handle this issue. I have all documents sent to claims and have only been credited {$3200.00} with remaining balance of {$7900.00} unpaid from fraudulent transactions filed in claims. And no closer to a resolve than when initially started process back in XXXX XXXX.
Consumer complaint received 2015-06-30
Product: Credit card — 
Issue: Credit determination — 
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Capital One did not update my new address or phone number correctly. They failed to call or send my statement for three months. The reason I found out was because I was denied a loan for purchase of car. I called Capital one, and they admitted the above and stated they would wave late fee, and contact the Credit people to update that the delinquency was their error. I paid the bill, and they said I have to follow up in 10 days. My question is will my credit be justified, and how long.
Consumer complaint received 2021-12-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: M&T BANK CORPORATION (FL)

I was in the process of refinancing my mortgage. The new mortgage company told me to stop all automatic withdrawals as they would advise me whether a payment would be needed to be made if the closing did not occur in time. I contacted M & T Bank to verify that there were no automatic payments set to occur. A payment was withdrawn any way. I spoke to a representative on the phone on XXXX XXXX who told me that the funds would be returned. They requested that verification that the funds had been withdrawn from my account be sent to them. I sent it the same day and received confirmation. From there nothing happened. I contacted M & T Bank again and was told that the verification was never submitted so the {$530.00} would be returned to me on XXXX XXXX. On XXXX XXXX, there was no return. I contacted them again and was told that the funds would be returned on XXXX XXXX. Again nothing was returned. On XXXX XXXX I was told that returning the funds would cause a delinquency which is not true as they did not apply the money to my payment but put it in a holding account labeled " unapplied funds '' and now would not be returned at all. I will have to wait until my new mortgage company paid off the loan. Only then would they mail a check in XXXX business days after the loan is paid off.
Consumer complaint received 2021-12-15
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CURO Intermediate Holdings (CA)

In 2019 I took out several loans from Speedycash over the span of multiple months and paid them all back except for one. I had this company call me numerous times which I no longer have the log of since I ended up blocking the number. They have called and threatened legal action against me which is actually illegal. 

The debt was then sent to Ad Astra Recovery services and for almost three years now Ive been trying to contact both companies in regards to the debt and how I can settle it. No answer. They tell me to call different numbers but I rather have it in writing or email for legal purposes which they refuse to do.
Consumer complaint received 2015-10-30
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

bank chg a XXXX late feeI call wanted to get the XXXX processing add this would of got there in 3 days for pymt to process from where I live. 

cust ser did n't know it so they gave me XXXX add which took 6 days to process from where I live. 

This cause a late chg
Consumer complaint received 2021-12-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (GA)

I sent letters to all 3 credit bureaus on XX/XX/2021 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 35 days and I have not received a response from anybody. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.
Consumer complaint received 2021-12-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

On XX/XX/XXXX I made a XXXX transaction to an email to a friend and had omitted one letter. The other email that was used was also registered with XXXX. The bank claims that because the other email address was used there was no way to have the funds returned. I missed the email by omission of one letter and the name was the same which is why I did not notice the error until a few days later. I have tried to work this out with the bank and they refuse to look into the issue further.
Consumer complaint received 2019-08-06
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: MARINER FINANCE, LLC (MO)

On XX/XX/2019 at exactly XXXX, I received a phone call from a Ms XXXX XXXX the phone number XXXX. This individual did not verify my identity in any way. I never during this phone call confirmed my name. However, after requesting to receive any communications via mail, this person started to threaten me with garnishment of my wages. I have requested any communications regarding the reason for thw call be sent via mail to the address the company had on file. I have requested this several times and still continue to receive harassing calls. When I requested a mailing address to make this request in writing, the caller " Ms XXXX '' continued to threaten me and would not provide a mailing address.
Consumer complaint received 2021-12-15
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Flagstar Bank, N.A. (MI)

I entered into a forbearance with Flagstar bank early in 2021 due to XXXX and loss of income during pandemic. My forbearance was scheduled to end XX/XX/XXXX. I started trying to work with Flagstar and establish a plan to get caught up in advance in XXXX. I filled out a loss mitigation application that was denied. XXXX XXXX I was told I was being submitted for a streamline modification which did not require an application that would take about 4 weeks. I called constantly to follow up spoke to many representatives who all gave me different and misleading information. This has now been going on for 2 months and my forbearance has ended. I am still calling constantly for resolution to not avail. I am now being told My loan doesnt qualify for a streamline modification based on the loan type after waiting 2 months. Additionally I have now recieved a notice of intent to accelerate my loan which the agents on the phone told me was sent in error. At this point I dont know where to turn or what to believe or who to trust. I want to retain my property and I have not been offered any options besides paying a lump sum of money that I dont have. I have pleaded on every available contact method that I can find and still no resolution.
Consumer complaint received 2021-08-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I have seriously been working on my credit score for the past 2 years with an exceptional payment record with no late payments or delinquencies getting my score up to XXXX with XXXX, At this point I felt ready to investigate my options for obtaining a mortgage to view properties. I opened an account with XXXX in XX/XX/XXXX and have been on autopay as all my accounts are and to my surprise i was notified by Transunion that i had a potentially negative report on my score, when i investigated it was XX/XX/XXXXXXXX saying i was 30 days delinquent, I called XXXX and they told me my account was at XXXX balance and i have {$1500.00} available credit! 
I reported to all 3 agencies my dispute and mailed also to them and XXXX. I did have a compromised bank card back in XX/XX/2020 and cancelled it out with the bank who put in place my new card and mailed me the physical card. All my other creditors and autopay payments went thru fine apart from XXXX who did not notify me at anytime that this occurred, so my XXXX is now at XXXX
Consumer complaint received 2019-08-06
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: WELLS FARGO & COMPANY (CA)

I received a call from XXXX, the voice message stated the caller was XXXX with XXXX XXXX XXXX indicating " there's currently a court order being filed against you to suspend all activity with your name and social security number. To review all immediate rights and actions contact us at XXXX or press 1 now to be transferred. Thank You. '' The message repeated in XXXX. I called the number back from my work line, I reached someone named XXXX XXXX at a company called XXXX XXXX XXXX. I did find this company online, however it appears to offer legal services for law offices such as training, project management, business solutions, etc ... XXXX hung up on me when I was trying to find out what this debt was that I supposedly owed. I called back a second time, I was able to verify a debt amount of approximately {$1400.00} from XX/XX/2009 before XXXX hung up on me again. I called back a 3rd time, reached the lovely XXXX once again & after demanding a case number and account number, she gave them to me. I notified XXXX that I would be calling Wells Fargo directly ( this is the creditor she claimed contracted XXXX to file the court action against me ) as we are well-outside the legal window for collection activity in the state of CA. I contacted Wells Fargo 's Customer Service/Fraud Dept 's ( XXXX ) and their Charge-off Dept ( XXXX ). I was able to verify through my SSN that Wells Fargo does not now or ever have a record of my owing them the amount XXXX had stated, the account number that XXXX provided is not one of their account numbers ( missing digits ), I currently do not have any old, outstanding debts with them that either have been retained or sold off to an outside collection agency, and all of my accounts are in good standing. I have had it with these scam artists, it makes me sick to think about how much they're scamming from folks through their scare tactics. There has to be a way to find these people and bring them up on charges. Please help!
Consumer complaint received 2021-12-15
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Castle Credit Co Holdings, LLC, Chicago, IL Branch (WA)

I don't owe or have an account with this company. They are looking for someone else that is associated with my phone number. I tried several times to get this company to stop calling my cell number.
Consumer complaint received 2021-08-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC (FL)

There was no option for this category so this complaint may be in the wrong debt collection sub category. This complaint is against Spring Oaks Capital LLC. They are attempting to collect a debt from me. I live in Florida. According to Title XXX111 Chapter 559.553. A consumer collection agency must be a licensed consumer collection agency who is also licensed in the state of Florida in order to collect a debt or attempt to collect a debt. Spring Oaks Capital is not licensed in the state of Florida as a consumer debt collection agency and therefore is attempting to collect an illegal debt. Since they ( Spring Oak Capital LLC are committing a crime this alleged debt they claim I owe is null and void. Companies can not legally profit from crimes they commit. I have filed a complaint with the Florida Attorney Generals office.
Consumer complaint received 2019-08-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BARCLAYS BANK DELAWARE (CA)

I applied for an AAdvantage credit card issued by Barclays Bank Delaware and was declined. Their Notice of Adverse Action dated XX/XX/2019 noted that I was declined for the following reason, " Our records, indicate that a previous credit card that you held with Barclays Bank Delaware experienced charge-off, bankruptcy, severe delinquency, or other negative performance ''. Their letter further stated, " a credit bureau report was not used in making the determination ''. 

I was quite surprise by their decline as I have not filed a bankruptcy, or caused any lender a loss. Therefore, I ran credit on myself from the three credit reporting bureaus and all reported a Barclay Bank Delaware credit card as " Paid, closed / Never late '' ; so how could I have caused a " negative experience '' for them. So their internal records do not reconcile to their reporting to the credit bureaus. 

On XX/XX/2019 I responded to Barclay with a letter requesting clarification and a copy of the pertinent page from my XXXX  report. It has been over 30 days and I have yet to hear back from Barclay. 

If I am being declined for credit based upon what I believe is faulty information. Barclays Bank Delaware should at the very minimum respond to my request for clarification given their " records '' are wrong.
Consumer complaint received 2021-05-11
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Cactus Jacks Auto Sales (AZ)

On XX/XX/2021I purchase a vehicle from a buy here pay here auto lot call Cactus Jack 's. I put down {$2000.00} and my credit isn't so great so they financed me in house. When I purchased the car and gave them my {$2000.00} I was informed by them that because I didn't have a license they couldn't Finance me for more than {$10000.00} and that they were giving me 30 days to obtain a license. Well two days after I purchase the vehicle the check engine light came on and crack started acting real funny I called down and spoke with XXXX The Man Who Sold me the car he said bring the car down and we will give you your money back or we will put you in a new car well anew car to me. Well because it was the weekend they said bring it in on Monday of course during the weekend Tollison Police Department illegally towed my vehicle 4 not having ever had a driver 's license in the United States of America according to their system as soon as I got home I produced documentation to Tolleson PD they released the vehicle to Cactus Jack 's since then Cactus Jack 's has done nothing but harass and try and the little and confuse me with task to get my vehicle I have done everything they asked and at the end of the day when everything was met they refuse to let me make my first payment and said I have to pay the entire loan off of {$12000.00} and that is the only way I can get my vehicle I've committed no crime I've done nothing wrong I have produced every amount of documentation they need it please help me they're trying to scam me and my {$2000.00} I am a single father who is fighting XX/XX/XXXX and a veteran they know these things and still refuse to help me I repeat I have broken no laws and I've done nothing but get my money is taken from me and vehicle now they won't speak with me without me having legal representation according to XXXX XXXX finance manager
Consumer complaint received 2019-08-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (FL)

XX/XX/2019- I was notified through my credit reporting service that Chase Bank is reporting me as late for XX/XX/2019. 

I made 2 payments that month. 
XX/XX/XXXX for {$230.00} made over the phone. 
XX/XX/XXXX - From email from Chase advising me the payment posted. 
I did not notice For some reason the payment never hit my bank account. I did not notice {$230.00} still in my bank account. 
Chase failed to alert me the payment did not go through. 
They have a messaging system through the app and as of today, there is no messages about this payment. 

I paid them. Not sure what they did with the payment information. I pay every month the same way and never had an issue.
Consumer complaint received 2022-03-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Mortgage Research Center, LLC (TN)

I received a credit alert informing me that this company " Veterans United '' home loans requested a copy of my credit report on XX/XX/2022. I have not applied for any loans, mortgages, or other financial products with this company or any of their affiliates. I did not apply for any credit on or around XX/XX/2022. I did not give this company authorization to access my credit report and I have no idea why they did. I have previously been a victim of identity theft and this may be a result of that past identity theft. I contacted the credit bureau directly and was told that I needed to contact this company and alert them and request that they tell the credit bureau to remove the inquiry.
Consumer complaint received 2021-12-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

On XXXX i sent a letter regarding inaccurate and unknown things on my credit report.To this day 30 days later i have not received a response yet.I feel like im being taken advantage of and being ignored of my disputes.Section 611 ( a ), its is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been 30 days so they should be deleted promptly i demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me my information was also impacted by the XXXX data breach and may have got into the wrong person
Consumer complaint received 2021-12-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

I became a victim of identity theft couple of years ago. After that incident I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS AND INQUIRIES from my credit report immediately. They are a result of ID theft. Beside these items, I also want to delete incorrect names and addresses also. I never used these names and never lived in these addresses. Please remove these items which are not authorized by me as soon as possible.
Consumer complaint received 2021-12-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

This XXXX XXXX XXXX is on my credit report and it need to be looked at and removed immediately. It stated a lot of fraudulent acts. 1st one I looked at payment history. How could I made my payment on XXXX of 2021 knowing this is not my account. I will never make payment to an account that is not mine, so thats fraudulent. The address doesnt match the actual address of where this place supposedly to be, which is fraudulent. U.S.C 1681c-2 requires ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2021-05-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX on XX/XX/XXXX ( Reported Identity Theft )