davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-06-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: JPMORGAN CHASE & CO. (NY)

I had visited XXXX XXXX XXXX  in XXXX, PA on XX/XX/2019 with my girlfriend and some of her friends and sat down at a table. Our server ordered/brought our drinks to us at our table. That night I spent {$100.00} on my card, including tip, and left around XXXX. As I left and got into my XXXX, I was notified by Chase Fraud that I had two more charges to my debit card from XXXX XXXX XXXX. 

I immediately called and disputed the charges, they reversed the payments and credited my account for the total of the two transactions of {$100.00}. Then Sunday, XX/XX/XXXX, I get a letter from Chase saying that upon further review/investigation the transactions were authorized and they'll be deducting the credit from my account. I know for a fact that I did not sign three separate receipts that night and only spent the {$100.00} that I did not dispute. 

I called back Chase to argue about this and they said theres nothing they can do since the company provided them with receipts of the three transactions that supposedly have my signature. I asked them to send the transactions/receipts to me so I can compare the one receipt that I signed to the other two that I know for a fact I did not sign. I received the documents in the mail and the signatures do not match whatsoever. But since the restaurant provided them with receipts from that night using my card and there were signatures on the receipts theyre saying they cant help me.
Consumer complaint received 2019-03-26
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: TD BANK US HOLDING COMPANY (TX)

After my vehicle 's total loss on XX/XX/2019, I was shopping around for another vehicle. I visited XXXX XXXX XXXX XXXX on XX/XX/2019 and gave authorization to run my SS # to see if they could beat the APR that my credit union was offering me. They could not, however, and I then pursued financing through my credit union. Nevertheless, I purchased a vehicle from XXXX XXXX on the same day. A couple of weeks later, I received three credit denial letters, all of which were from banks that XXXX XXXX had apparently submitted a credit application to. As a result, I ended up having a total of three credit report inquiries from XXXX  XXXX, as one of the denial letters stated that I had no credit file. I did not authorize the dealership to submit my SS # more than once or to more than one bank, and I had no idea that they had done so until I'd received these letters! Upon checking my credit reports afterwards, I discovered that three hard inquiries indeed were made from XXXX   XXXX on XX/XX/2019. I am extremely upset about this, to say the least, as my credit score has been severely impacted as a result.
Consumer complaint received 2023-03-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (CT)

On XX/XX/2023, Capital One Credit Card Company took over XXXX MasterCard Credit Card from XXXX XXXX. On Saturday, XX/XX/2023, I received my first credit card statement from Capital One in the mail. The statement indicated that my credit card payment was now due on the XXXX of each month Beginn XX/XX/2023. Prior to Capital One Bank taking over XXXX XXXX  XXXX! XXXX accounts my payments were due on the XXXX of each month. The previous month of XXXX, my credit card payments was due on XX/XX/2023. I contacted Capital One Bank and spoke with a representative named XXXX. I explained that I received my first statement from Capital One, and my payment due date has been changed from the XXXX if each month to the XXXX of each month, and I have not received sufficient notice for such change. I also advised that there appears to be a change in the interest rate that I am being charged, nor have I received any notice in regards to that change. XXXX attempted to locate a policy and procedure regarding this matter, which she was not able to locate. I advised her that I have not received any notification of either of these changes. Thereafter, requested to speak with a supervisor. XXXX transferred me to.XXXX ID # : XXXX, who advised me that my payment date could be changed to XXXX of the following dates of the month : the XXXX, XXXX, XXXX, XXXX or XXXX of the month. However, it would not take affect for XXXX to XXXX billing cycles. I advise that the XXXX was the closest state to my previous billing cycle. However, this does not solve my immediate problem, as I just paid my bill on XXXX XXXX, I have my mortgage to pay at the beginning of XXXX, and they are requesting payment on XX/XX/XXXX with not so much as a 30 day. I pay my mortgage at the beginning of the month, and this creates a hardship.
Consumer complaint received 2021-11-11
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

Account in question : XXXX XXXX XXXX This account is continuously reporting charge off XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021, and XX/XX/2021. This is having a substantial effect of me date of last activity which will show me when this account falls off of my report. 
I have reported several times that this account is inaccurate and all they have done was send me a letter stating that the account was updated or that it was accurate which obviously it is not. I reported this account to Transunion and it came back on XX/XX/2021, XX/XX/2021, and XX/XX/2021. After disputing this account 3 times this year and having nothing done to correct the issue, which you can see in the document that I have attached from Transunion. 
At this point, I do not want to waste anymore of my time or money disputing this information because they have had XXXX time to actually verify and fix this information which they have not done so at this point the only way to solve this issue is to just delete the account from my report and send me an updated copy of my credit report with this account deleted.
Consumer complaint received 2019-06-30
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Assured Financial Partners (FL)

On XX/XX/XXXX, my husband received a voice message from First Equity Alliance ( Phone # XXXX ) for me regarding a civil complaint ( case # XXXX-XXXX ) that was filed against me. When I returned the call to find out about the matter I spoke with a very rude lady who spoke forcefully explaining that I owed an old debt debt ( XXXX XXXX XXXX ) and that I was in the process of being sued for {$4100.00} including attorney fees. I explained to her that this debt was paid, she then stated that their client XXXX XXXX was the owner of this account which was not paid and that I may have paid this debt to a fraudulent company and she would place a courtesy hold on the process until I produce the proof and send to XXXX. After getting my documentation, I learned from my daughter that a message was left of her phone as well, regarding this same matter and the person from first Equity Alliance not only mentioned my name but frequently mentioned her name as well. So, I called First Equity Alliance back and spoke to XXXX XXXX, he also explained that the call was being recorded and that I was being sued, and that I received documents at a previous address 45 days ago to settle the matter for {$1200.00} ( which is not true ) and stated that once the suit was filed that they could garnish my wages, place a lien on any of my property and have access to any and all FDIC accounts that was attached to my name in pursuit of this debt and that I would be served by a civil litigator on Monday or Tuesday. So I then asked for their documents to be sent directly to me for my records and he stated that he would have to speak to his manager and that if approved he could sent it to my email. I then gave him my email address and hung up. After a couple of hours, I called First Equity Alliance back, the same XXXX XXXX answered and I asked for the documents a second time, he assured me that he would check with the accounting dept to ensure that I receive their documents. I still have not received anything yet. The most disturbing parts to this is that this debt was paid off since XXXX, and that they called my daughter and mentioned her name in this matter and then spoke to me in a most disrepectful manner. Your immediate assistance in this manner is greatly appreciated. ( Voice message can be provided if needed. )
Consumer complaint received 2019-06-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Bread Financial Holdings, Inc. (OH)

I have had a credit card with XXXX through Comenity for several years and rarely use it. I used the card over XXXX and completely forgot to pay the bill. I went in and paid online the balance ( 1 day late ) not realizing there was a late fee associated with the account. I received a phone call ~ 60 days later saying I was delinquent. I called, fully prepared to pay the late fee, and the late fee associated with the late fee, and close the account. The first representative took care of one late fee and said she couldn't close the account for me and transferred me to a care specialist. This person asked if she took care of the late fee would I not close the account. I said if there's a XXXX balance I won't close the account. She confirmed with me that there was a XXXX balance. Then, on XX/XX/XXXX, I received another collection call, this time for 4 late fees. So now I'm up to {XXXX}, all in late fees and interest associated with the first WAIVED late fee. I was on the call for 45 minutes while they tried to figure it out and was magically disconnected. I called back and was placed on hold, and again, magically disconnected. When I called back a few days later I was told the customer care manager would get back to me, and nothing. Now I'm in collections and can not get anyone at Comenity to speak about my account. I am a loyal XXXX shopper ( even without the card ) and I really think they should be questioning their partnership with Comenity.
Consumer complaint received 2023-07-19
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: JPMORGAN CHASE & CO. (MI)

In accordance with he Fair Credit Reporting Act, XXXX XXXX XXXX JPMCB ( Chase ), Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602, A. States I have rights to privacy.

15 U.S.C 1681 Section 604 Section 2 : Its also states a consumer reporting agency can not furnish a account without my WRITTEN instructions 15 U.S.C 1666B : A creator may not treat a payment on a credit account under a open end consumer credit plan as LATE FOR ANY REASON.

Company was contacted with no fixed errors made, and declining request of fix.
Consumer complaint received 2018-02-24
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Big Picture Loans, LLC (GA)

On XX/XX/17 I applied for a loan with the above mentioned company and before applying I was never advised of what interest rates would be. Once I applied and was approved I was told that my {$400.00} loan would be {$110.00} but I was never informed that it was biweekly as opposed to a month. I still, do not have any documentation from the company with the interest rates.
Consumer complaint received 2023-09-08
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: U.S. BANCORP (MI)

On XX/XX/2023 I received a random ACH to my personal savings account in the amount of {$17000.00}. I called every brokerage and online account I use and no one could account for this transaction. The bank provided a phone number of XXXX XXXX XXXX which was a recording requesting personal information which I was not comfortable providing as this seemed liked a phishing attempt. In XX/XX/XXXX I received an alert from XXXX XXXX stating my credit score had been critically comprimised due to a revolving trade grossly exceeding it's limit. I immediately logged on to my US Bank account to find a random credit charged to the account in the amount of {$17000.00}. My balance at the time was {$8000.00} which put my new balance at {$25000.00} well beyond my limit of {$17000.00}. I spoke to multiple people, managers, supervisors trying to rectify the issue to no avail. I have since paid the balance in full but US Bank had no right to damage my credit and authorize a charge over the limit. 
Please let me know if there was anything Illegal beyond the unethical way in which this was handled. 
Sincerely, XXXX XXXX
Consumer complaint received 2023-07-19
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)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and remove them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-06-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (UT)

Capital One has ignored all request to clear out a fraudulent debt in my name. I had to wait 17 months while the XXXX finalize their police investigation to resolve fraud and identity theft that happened in my name over various credit card accounts. Capital One needs to honor their Zero fraud liability policy that they haven't enforced under my name. 

POLICE REPORT NUMBERS XXXX XXXX XXXX Detective XXXX XXXX XXXX
Consumer complaint received 2019-06-30
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: I.C. System, Inc. (OH)

Reporting debt that is incorrect ; not my debt ; and incorrect date of original date. And company reports wrong date debt was incurred by someone other than me.
Consumer complaint received 2019-06-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (AZ)

I have two loans. One with Navient and one with Navient DOE ( Dept. of Education ). In XX/XX/2019 Navient DOE moved their payment address to XXXX, Oregon, from XXXX, GA. Since that time both Navient DOE and Navient ( XXXX XXXX, PA. ) have said they are not receiving my payments. I have sent check after check, ( to ensure payments are made and technically overpaying ) and still they are not recording my payments. I am getting 5 robo calls/day, and calls from various phone numbers claiming to be Navient/Navient DOE. I believe they are getting the checks, holding them and charging late fees. I have called repeatedly to clear this up, sent in documentation and have even had my bank call them. I am now photographing each check before I mail them. I owe more now than I did when I took out the loans and I am paying over XXXX/month! I have repeatedly asked them to send photocopies of my checks for verification but they refuse. By the way, Navient and Navient DOE are using the same account number ( XXXX )
Consumer complaint received 2019-03-26
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. (FL)

XXXX  and Transunion are incorrectly reporting me as an Authorized User on XXXX Card - partial account # XXXX ( please see page 4 of the attached credit report. ) I called XXXX and let them know that I did not give permission to be added as an Authorized User. They removed me as an Authorized User on XXXX however XXXX  and Transunion have not removed this from my report. I have contacted the two bureaus to fix this issue. This negative reporting is harming my credit score.
Consumer complaint received 2019-06-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

My Trans Union credit report is showing an account to be open with a balance that was included in my bankruptcy. The account in question is XXXX. I have tried to dispute this information with Trans Union on XX/XX/2019, XX/XX/2019 and XX/XX/2019. Each time they verify that it was included in bankruptcy but the account still shows open with a balance on credit report. Is there any steps that I can take to make sure that my credit report is accurate?
Consumer complaint received 2019-06-30
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (NY)

I received in the mail on XX/XX/2019 a very terse letter letter saying my checking and savings accounts will be used on XX/XX/2019. 
no reason at all. 
I have not had bounces at all, i keep a balance in my savings account to cover overdrafts.
Consumer complaint received 2019-06-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

On the documents attached below provides information about a job employer who requested my credit report during a screening. This request should not show as a hard inquiry on my credit report, as this is not a lender. Please remove this hard inquiry from XXXX Police Department that was done on XX/XX/XXXX and XX/XX/XXXX. This should be shown as a soft inquiry which does not affect my credit score. It should not be shown as a hard inquiry as I observed on my credit report. After doing research and getting information from bureaus. An employer doing a background or credit check should not be listed on my credit report as a hard inquiry. Every year this employer is required to do a credit and background check on all employees. Therefore it will be a lot of yearly inquiries, but shouldnt be hard inquiries or shown to anyone seeking my credit file. Please do not add this employer to my credit file, as this is a federal company and private company. I also do not want my employer displayed on my credit report :
Consumer complaint received 2019-06-30
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: Experian Information Solutions Inc. (OH)

I have spoke with XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX regarding this debt-the obligation is not my debt. The debt was incurred solely by my wife while I resided elsewhere. The property was not in my name-she is/was sole owner. I have filed objections several times with the credit bureaus and no action.
Consumer complaint received 2024-03-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIBANK, N.A. (GA)

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX XXXX, XXXX and XXXX are consumer reporting agencies, and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' Citi Cards CBNA is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' Citi Cards CBNA the financial institution and the Consumer reporting agencies XXXX XXXX, XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX XXXX, XXXX, XXXX, Citi Cards CBNA whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' Citi Cards CBNA Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX XXXX, XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.