davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-11-08
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO. (NY)

My credit card was charged without authorization. I have supporting documentation regarding the transaction with an independent auto mechanic, XXXX XXXX, who placed the charge without my authorization and without repairing my car on XXXX XXXX, 2015. My car would not start and needed diagnostics to find the problem. XXXX XXXX XXXX came to my house to diagnose the car while I was at work. Without calling me before doing any work, as requested requested and required by NYS Motor Vehicle Repair Shop Regulations, XXXX alledgedly changed the spark plugs, then took my Chase credit card from the car 's center console and charged it for {$190.00}. When I got home the car did not start. I had to have it towed to XXXX XXXX who diagnosed the problem and found it was bad gas in the tank. The correct service including emptying gas tank and cleaning gas lines was done by XXXX XXXX who was paid in full for repairing my vehicle {$680.00}. After submitting substantial evidence including errors in the XXXX XXXX estimate, no authorization or signature by me to charge my card and violations of multiple sections of the New York State Motor Vehicle Repair Shop Regulations ( see attachments ), Chase has refused to reverse the XXXX charge by XXXX Auto. After giving Chase everything they asked for and spending many hours on my case, ultimately, Chase came up with telling me I had to get a statement from XXXX or a third party mechanic stating that they have reviewed both XXXX and XXXX XXXX 's estimates and offer their professional opinion in order to win this case. The XXXX XXXX XXXX Manager agreed to accept a phone call from Chase, however, he stated his boss would not allow anything in writing. Other local third party mechanics refused to get involved. Chase has refused to issue a credit for this charge. It took Chase over 3 months to get me a final notice of refusal on XXXX XXXX, 2015. The initial complaint went into their system as a quality of service issue, however, one can clearly see through the documentation I was not provided service. I was also not called back after leaving messages multiple times by Chase customer service specialist XXXX XXXX as documented. I even asked XXXX XXXX XXXX if they did change my spark plugs, they can give me mine and keep their plugs as my spark plugs were not the problem, please help!
Consumer complaint received 2022-08-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: BARCLAYS BANK DELAWARE (NC)

In accordance with the Fair credit Reporting act : XXXX acct XXXX, has violated my rights 15 USC 1681 Section 602 States, I have the right to privacy.

15 USC 1681 Section 604 a Section XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.
Consumer complaint received 2022-04-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

Upon reviewing my credit file, incorrect information was found in my reports. The TransUnionXXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$820.00} ; XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX ; XXXX XXXX  XXXX XXXX XXXX XXXX MO XXXX
Consumer complaint received 2017-08-30
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (CA)

On XX/XX/XXXX and XX/XX/XXXX, I made 3 deposits to the company Coinbase to purchase digital currency ( Bitcoin, Ethereum, and Litecoin ) in the amounts of {$160.00}, {$100.00}, and {$160.00}. I left the money in my coinbase account and did n't use my account. 

On XX/XX/XXXX, I attempted to log into my account and got the message " Sorry, your account has been temporarily disabled and please contact support. '' I contacted their support team and got the response, " Hi there, I sincerely apologize for the delay. Having investigated the issue, I am working with a specialist to address it properly. We will follow-up with you as soon as we have an update. 

Thank you for your patience. '' I followed up with their customer support team on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX with no response. I feel like coinbase has scammed me out of my money and have not  received a response to my concerns. Is this even a real company or just stealing people 's money?
Consumer complaint received 2022-08-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CAPITAL ONE FINANCIAL CORPORATION (MT)

XX/XX/2022 call to capital one advising lie should be released as included in discharge XX/XX/2022 follow up all to capital one- they advised debt is valid & I am to pay in full I again gave them bankruptcy info They will send demand for payment & insist debt is owed Trying to get mortgage on home & this lien preventing me being able to get mortgage Causing undue hardship, loss of time, money due to unnecessary delay
Consumer complaint received 2022-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2017-08-30
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: SUNTRUST BANKS, INC. (VA)

Suntrust, XXXX XXXX XXXX, XXXX, VA XXXX {$330.00} XXXX penalty for the following violations : Mistaken identity claim effective XXXX, mail fraud penalty of {>= $1,000,000} for XXXX XXXX XXXX, XXXX, VA XXXX, equipment leasing fraud with XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, and attempt to purchase homes with fraudulent documents with XXXX XXXX XXXX and XXXX XXXX XXXX, XXXX XXXX of Dividend History ( XXXX adjustment ) and XXXX XXXX  reporting, {$220000.00} fee
Consumer complaint received 2022-08-26
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: SLM CORPORATION (FL)

The XXXX XXXX XXXX XXXX Loan ( Sallie Mae Bank ) for the enrollment period of XX/XX/XXXX to XX/XX/XXXX has been discharge through bankruptcy. The XXXX XXXX for XXXX XXXX University closed in XX/XX/XXXX. This located was the only option for XXXX students in which the school lost the XXXX accreditation and XXXX students were left with finding alternative solutions without their credits transferring. Sallie Mae Bank is trying to recover funds being both parties have been listed in discharge and filed in XXXX ( please see attached paperwork ). XXXX XXXX University has accepted this discharge and student is no longer liable for tuition, fees, any and all educational funds. Please advise the justification on why Sallie Mae is trying to recover these funds and not following the Bankruptcy code.
Consumer complaint received 2017-08-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (CA)

Please refer to my original complaint regarding Ditech : complaint XXXX ( this should have never been closed as it has yet to be resolved ). I have yet to receive an explanation as to how they received a copy of an auto loan agreement I had with XXXX. I have yet to receive their business license number to practice in the state of California. I have yet to receive a copy of the notice they have provided to all credit bureaus indicating late payments are to be reversed. Since my complaint indicated above, Ditech has provided a notice of servicing transfer dated XXXX XXXX, XXXX to be effective XXXX XXXX, XXXX. I have never..ever.received such a short notice ( please see attached ).
Consumer complaint received 2022-12-08
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (LA)

I am a XXXX XXXX XXXX Veteran with several XXXX, My Wife is a XXXX XXXX XXXXr. Our house was heavily damaged from Hurricane Ida. We are still doing repairs to our house. We had some Money in our account for these repairs from XXXX XXXX XXXX XXXX. I was contacted by an Male who stated by E-mails, Text Messages and Phone Call that he was from JP Morgan Chase Bank Fraud Department. I told him i didn't know him from XXXX to XXXX because he called me and that if he was a Real Chase Bank Employee. This Man gave me more information about my account than that of which i knew. He Stopped Two Transfers and the Last on was for {$18000.00} USD and i could not stop this one so he tried to walk me through it ... I then changed my Username and Password and hung up on him to get chase to stop this transaction and put a hold on my account until which time i could better secure this account or start another account. They advised they could not stop it and restricted my account on XX/XX/2022 with in five minutes of the transaction appearing on my account. After contacting Chase Branch Manager and Fraud Dept Supervisor they advised i told the teller i gave him the code on a recorded line. They Declined my claim and would not take an appeal. I can not afford on XXXX pay to finish the repairs and we were now in a bind. I don't know what else to do, i am very scared and i am about to give up. I filed a Police Report the same day, this is wrong.. i didn't know what to do, i didn't intentionally give anyone information on my account to scam the bank. Please Help Me, I have already been taken advantage by several contractors since the storm and now i have to try and finish the repairs myself, I have XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and turn XXXX this saturday and my wife is XXXX XXXX XXXX XXXX  of 37 years.
Consumer complaint received 2022-08-26
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

XXXX  complaint XXXX. Account XXXX. Their response- I was sent statements by Capital One that were mailed to the wrong address for 5 months and during the time of CO-VID I lost my job and had to move XX/XX/XXXX. I was given no opportunity to work with the creditor or get relief from this debt because of CO-VID or statements being sent to the wrong address. I had this account for 10 years and it was charged off with no notice. The Capital One notice was dated XX/XX/XXXX which was 18 months after I moved and I had a change of address submitted to the post office! This account was a charge-off. Unfair practices XXXX! and Capital One.
Consumer complaint received 2022-02-23
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Consumer Portfolio Services, Inc. (CA)

I paid registration fees for my vehicle in XXXX of XXXX .In XXXX of XXXX I refinanced my vehicle through Consumer Portfolio Service. Upon doing so I wanted to remove a Co-signer from the title. I was told by CPS that this would be an easy process and they would handle everything through the DMV. In XXXX of XXXX my vehicle was towed away from my residence and impounded due to lack of registration. I was then forced to pay {$600.00} to get my vehicle out of impound and when I contacted DMV to find out why it was impounded they stated No registration. Upon DMVs investigation they discovered that the process CPS was using to change my title put a pause on my registration for XXXX from finalizing and that also they wouldnt be able to issue my registration for XXXX until this matter was resolved. I then reached out to CPS in XXXX to find out what was going on and they informed me that theyd contracted a third party company to handle the title and to contact them, which I did. The third party company is was no help so I reached back out to CPS and asked for assistance with this matter. I informed CPS that not only was I unable to drive my car Ive been paying for but now I could not as much as park it at my residence because it would get towed again. So I was forced to seek out a storage facility in which my car has been sitting at for 3 months now. It is now XXXX and I pay {$300.00} per month to store my car so Ive incurred an additional {$900.00} in storage fees on top of {$600.00} impound charge. CPS lack of professionalism has caused me to lose over {$1500.00} all while still paying my car note and continues to seek payment instead of addressing my concerns. This matter has gone on over a year and quite frankly it feels predatory
Consumer complaint received 2015-12-23
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Security Credit Services, LLC (CA)

Credit Report XXXX from Security Credit Service stating I owe a {$410.00} balance. I do not owe this amount and have never done any business with the original creditor shown as XXXX or Security Credit Service. 

I also have never received any correspondence from Security Credit Service or XXXX concerning this matter. The first time I have ever heard of Security Credit Service was the alert that a collection account was reported on my credit profile on Equifax. 

I am a XXXX year old disabled woman with very limited means and pay the very few bills that I do have.
Consumer complaint received 2024-01-30
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BMO Bank, N.A. (CA)

I was trying to login to my account with Bank of the West and noticed that for some reason it had changed from Bank of the West to BMO. I somehow managed to change the password and logged into my account. The funds showed lower than what I had spent. I called the bank and was informed that any disputes must be done in the branch as they were not able to help over the phone. I printed out XXXX transactions from my account that were not mine and went to the branch. The branch seemed confused as to how to help me and told me to call the XXXX number to file the claim as they were in transition and did not really know how to proceed. That is when I got frustrated and raised my voice and stated that I would not leave the branch until they filed the claims. Eventually they filed the claim for XXXX transactions that were not authorized by me and had no relation to me in any ways. I was advised that the process would take XXXX  days and left. Not hearing back from them after a while, I decided to login to my account but still was not able to, so I called the XXXX and was advised that they had locked the account. So they verified me and unlocked the account. I logged back into my account and saw that the balance was still low. So I called them back and was advised that only XXXX transaction from the same merchant was settled but not the other XXXX. When I asked them how it was possible to settle XXXX transaction from the same merchant and not the other, the XXXX had no idea and no information to give. The only info I was given was an email that they said they also used to get any answers, and the XXXX was really bewildered to know that XXXX claim from the same merchant was settled but not the other one. BMO chose the lowest claim amount to settle which did not make any sense as the other transaction was from the same merchant as well.
Consumer complaint received 2023-12-01
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Law Offices of Mitchell D. Bluhm & Associates (FL)

So far, I've recieved phone calls from 2 different FL numbers and written correspondence from 2 different addresses in different states other than FL. It's confusing and they didn't respond to the Debt Validation Letter except to say that they got it and they had to make sure that their records were " accurate ''. Shouldn't they be accurate already before they took action? I'm sending a letter today to give them 5 days to furnish this info or I will not respond to the debt again.
Consumer complaint received 2022-04-14
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

This letter is the second formal complaint that you are reporting inaccurate credit information. I disputed the account on XX/XX/2022. I have not received a response and you are in noncompliance with the FCRA. 

I am very distressed that you have included the below information in my credit profile due to its damaging effects on my good credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. No doubt the inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit recently for a Home loan to refinance, which was highly embarrassing, has negatively impacted my lifestyle, as well as is now depleting my personal finances. Time is running out.
Consumer complaint received 2024-06-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CBC Companies, Inc. (IL)

I have found several inaccuracies and unauthorized inquiries on my consumer report. I would like each of these inaccurate accounts and inaccurate information to be removed effective immediately, which is my right as a Federally protected consumer under the FCRA. Personal information. Names. Only the name XXXX XXXX XXXX should be present all my consumer report any variation or misspelling of his name must be removed. Addresses. Only the address XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Should be present on my consumer report. Any other addresses are in accurate and does not accurately represent me as a consumer I can not be reached nor contacted at any of these addresses.. the following addresses must be removed XXXX XXXX XXXX XXXX, IL XXXX And the address XXXX XXXX XXXX XXXX XXXX, IL XXXX They must be removed immediately In the birthdate/year of birth field YEAR OF BIRTH 1998 this is incorrect and incomplete. I would like this in accurate information removed from all forms of my consumer report. Which is my right under 15 USC 6802. EMPLOYERS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX this information must be removed from my credit report because it is incorrect. I have never worked at these institutions. I do not know where this information came from. Please remove it from my credit report.
Consumer complaint received 2022-08-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I've been trying to get a copy of my consumer report from TransUnion online and was unable to for XXXX months, I called and a rep told me someone would call me back but never got a call from company, I keep getting a ( ( Temporarily unable to complete your request ) ) on XXXX XXXX XXXX.transunionXXXX  for months i've also went on TransUnion.com website online tried pulling my report but the same error message came up, I've contacted TransUnion and spoke to a manager by the name of XXXX agent XXXX that told me my account was a BLOCK Account and its a special LOCK on my information by TransUnion which have a special team, MY IDENTITY WAS STOLEN AND ITS VERY IMPORTANT THAT I monitor MY CONSUMER REPORT EVERY 7 DAYS OR EVERYDAY, after getting transferred to about 5 TransUnion reps a lady told me that there's nothing I can do to unblock her name is XXXX special handling department. suggesting that I pay XXXX for a membership fee to be able to monitor my file or go on credit karma to look up my report, AND when I told her about my rights under the federal Fair Credit Reporting Act she told me I have no rights and there's nothing she can do I also mention that I'am to receive a free report every 7 days by law, she stated that was during covid-19 hang up on me, ''The federal Fair Credit Reporting Act ( FCRA ) promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies '' Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers how can I make sure my consumer files that TransUnion is holding hostage is accurate, complete or fair if my consumer report is block
Consumer complaint received 2017-08-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Debt Mediation, Inc. (DC)

I have received repeated phone calls from a company called PDM, which I learned is a debt collection company. When I answer the person on the phone aggressively requests that I identify a person. I let them know on each occasion that I am not that person and I have asked them not to call me several times, including most recently when I called this company back today XX/XX/XXXX. I received calls on XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX.
Consumer complaint received 2023-07-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (TX)

I have sent 3 Certified Mail to this unscruplous people, requesting for ; 1. proof/ legal right to collect this debt, 2. original contract with my wet signature and 3. Itemized bill. 4. I have no contract with them, they keep sending me the same thing over and over again, which is absolutely not what I requested. 5. I have disputed this debt as well with all credit bureaus, upwards of 3+ times, no resolve! 6. Validate this debt. 
I have recorded conversations with them which will prove my utterance. it's perfectly legal in Texas to record conversations, this is a one party consent state. I am now reaching out to my Congresswoman, my Senator 's office and DC. I am also starting a petition on XXXX, my hope is to get enough signatures to stop this people. Judging from all this complains, that will be a walk in the park. Enough is enough.. 

Desired settlement : Delete this apparent joint debt from my credit report.