davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (NY)

Please Help! 

I deposited 2 checks from XXXX into Chase Bank. However, Chase Bank is not able to verify my checks. I have all the documents and I called XXXX customer service multiple times and XXXX 's back office is able to verify everything. Somehow Chase Bank can not verify my checks. So right now, I can not use my fund, I am not able to withdraw and not able to use it. One check is {$16000.00} and another check is {$3600.00} total is about $ XXXX. This issue happened over 2 months and really affect my life. Please help!
Consumer complaint received 2020-02-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (IA)

I had contacted the company after viewing my credit report. I advised that I have documentation that my car was stolen with my cards in it. I had sent that in and was told that it was going to be taken care of by the fraud department if they had any questions I would receive it in the mail or a call. I never received any other communications. I contacted Capital one on XX/XX/2019 and told them it wasn't resolved. They stated I would receive papers in the mail to send them back. 1 month later I haven't received anything. I called and she said to send a letter and someone might get ahold of me. This isn't my debt however it's affecting my life.
Consumer complaint received 2020-02-10
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. (SC)

Yesterday I went to the XXXX dealership and test drove a couple of cars. I'm in deep thought of getting a new vehicle. I went home and checked my credit report just to make sure my score is up to par. While doing so I noticed a couple of items on my credit report that are not mine. This is unacceptable. I need this item deleted from my report. I'm working on this all on my own XXXX. I saw some inquiries too 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 XXXX XXXX. I have contacted my local police and the FTC.
Consumer complaint received 2020-02-10
Product: Debt collection — Credit card debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: BARCLAYS BANK DELAWARE (VA)

My name is XXXX XXXX XXXX from XXXX, VA and I received calls from my mother, XXXX XXXX, advising that she received numerous calls from XXXX, a Collection Agency advising that if she did not provide information regarding me, that they would put her in jail. She has messages and logs of the calls over the last month. They also called my ex wife and ad I advised my Mother to give them my information - I have been at the same address and phone number since XXXX. There is no reason why a company can not contact me or find my number. 

I received a message from XXXX with a non-toll free number ( XXXX ). When I called XXXX on XX/XX/XXXX at XXXX, they advised me of a credit card from Juniper, to which I had a card and paid it off in the XXXX 's. Although they advised that it was paid in XXXX ( which is impossible ), I advised that I wanted to dispute and was told " good luck with that '' and hung up on. When I called back to dispute on the same day at XXXX, I was put on hold for over 8 minutes and then hung up on. 

I have not received any letters or information about this account.
Consumer complaint received 2021-04-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/XXXX a charge for {$4600.00} was made on our business debit card at BANK OF AMERICA. We had just gotten our insurance money on XX/XX/XXXX from a break-in. 

We filed the claim on XX/XX/XXXX so just over a week after the fraudulent transaction 's. BUT THIS WAS ONE OF THE REASONS WHY THE CLAIM WAS DENIED!!!! A WEEK! The person over the phone said that the claims department found that gap too long??? Its crazy that bank of America expects small business clients be checking our accounts everyday when we know we should have a account full of money? That's a quite ridiculous statement! Federal law gives 60 days to report fraudulent transactions I think 10 days is very fair! 

While checking my phone I had found that there was a malware installed that likely had remote access to my phone as well as a key logger this explains why all my emails were sent to trash and the fraudulent transaction was verified via sms. 
This also explains why " I logged into my online banking 17 times '' I DIDNT!!!!. I WOULDNT BE SUPPRIESED IF HACKERS HAVE HAD ACCESS TO MY PHONE FOR AGES!!. And just waited for my insurance money to deposit especially since they had access to my emails. And most likely were watching the conversation with me and my insurance company. It took me 10 days to file a report. But they said that I logged in over 17 times. Doesnt that by itself sound suspicious why would someone log in multiple times a day especially since that was essentially the only transaction its quite a XXXX accusation. Also one of the boa associates I spoke to said that someone also attempted to buy {$1000.00} worth of visa gift cards! But that transaction was denied? Why would you allow a XXXX transaction from an account that mostly does transactions under {$100.00} without temporarily restricting the account? When I had made a large transaction at XXXX  once XXXX closed my account and I had to go inside and vefiy it and only then did they reopen my account why would the bank allow a larger transaction go through but not a smaller one. Especially since both were from places our business never shops with. I would just like to have this resolved.
Consumer complaint received 2019-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AES/PHEAA (WI)

MyaccountwassupposedtobeataXXXXdollarpaymentuntilXX/XX/2019Anditwasreported90dayspastdueinXX/XX/2019Ihavecontactedthiscompanyover20timesandIhavereachedouttoalllevelsofsuperioritywiththecompanyandtheynorthecreditbureauswillupdatemycreditfilecorrectly
Consumer complaint received 2024-02-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: The Bureaus, Inc. (FL)

This account was purchased by a Debt Collector without my legal written consent.

I have no knowledge of this account presented by the Debt Collection Agency.

I do now own this account, therefore it is Fraudulent. 

XXXX XXXX XXXX are furnishing inaccurate and incorrect information to the consumer agencies. The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and house purposes. The inaccurate reporting have damaged my livelihood. 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION XXXX ) PROHIBITION ( A ) Reporting information with actual knowledge of errors 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. Duty : A moral or legal obligation ; a responsibility. Accurate : Correct in all details ; exact. Prohibition : A law or regulation forbidding something. As defined by The IRS valid.
Consumer complaint received 2021-04-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

Please be apprised that you are in direct violation of the Fair Debt Collections Practices Act. In my opinion you have violated at least three sections of this act by : Failing to validate a debt as allowed to the debtor under 15 USC 1692 ( g ) Section 809 ( b ) Communicating with a debtor after receiving a cease and desist certified mail under 15 USC 1692 ( g ) Section 805 ( c ) Harassment of alleged debtor under the " abuse & harassment '' subsection of the statute, USC 1692 ( g ) Section 806 ( 5 ) I have complete and thorough records of your violations and I am prepared to protect myself and my rights from unscrupulous collection agencies.
Consumer complaint received 2021-04-16
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: GSF MORTGAGE CORP (OR)

On XX/XX/XXXX I engaged XXXX XXXX XXXX XXXX XXXX XXXX to pre-qualify on an OTC loan to purchase land and pay for the building of our primary residence. At that point I already knew which builder I wanted to engage, XXXX XXXX XXXX XXXX, and I was aware they had an in-house lender named XXXX XXXX XXXX XXXX XXXX XXXX. I had decided not to finance through them because I felt that it presented a conflict of interest. When I first met with our XXXX XXXX consultant, XXXX XXXX, on XX/XX/XXXX, she asked me why I wasn't using their lender. I explained it to her and she responded " ok. '' After constant delays and missed deadlines on XXXX XXXX behalf I had to negotiate with the seller to extend the close date and in exchange release my {$3000.00} earnest money. Then on XX/XX/XXXX out of the blue 58 days before closing, my lender sends me an email telling me that I have to work with XXXX. The reason she said, is because the loan processing company GSF Mortgage told her that while I was approved for the loan " ... we [ GSF ] have a working relationship with their XXXX XXXX 's XXXX mortgage company '' so I would have to use XXXX At this point I had to secure a land-only loan so I could close on time, or risk having the seller walk away or charge me a per-diem on the lot. Securing the land-only loan is costing me {$45000.00}, plus closing costs and a monthly mortgage that I wouldn't have had on the initial OTC loan product.
Consumer complaint received 2020-02-10
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. (GA)

My identity was stolen XX/XX/2019. This same person has tried to open up several accounts in my name, resulting in credit inquiries from various companies. I contacted said companies about the fraudulent activity, and they closed the accounts. The companies also sent letters to all 3 credit bureaus to have the inquiries removed for fraud. I had inquiries from XXXX, XXXX XXXX, XXXX, and XXXX XXXX. Only XXXX  has removed the fraudulent inquiries. Transunion and XXXX  refuse to remove these inquiries even after disputing them, calling them, and sending them evidence that these inquiries were done under fraudulent circumstances. I will keep filing complaints and filing disputes until all of these fraudulent inquiries are removed from all 3 credit bureaus.
Consumer complaint received 2024-02-11
Product: Checking or savings account — Checking account
Issue: Improper use of your report — Reporting company used your report improperly
Company: NAVY FEDERAL CREDIT UNION (CA)

According to my bank privacy Act and terms and conditions they will not share my information with non-affiliated companies, XXXX XXXX is Not an affiliate of Navy Federal Credit Union or parent company Navy Federal Svc Inc they are in violation of Privacy act of 1974.
Consumer complaint received 2020-02-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NC)

This account was disputed multiple times before but only come out as verified through all three credit bureaus. This account has errors from XXXX  saying its open but experian and XXXX  saying closed? Which one is it? This account needs to be deleted with all these inaccuracies.
Consumer complaint received 2020-02-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

This account was disputed multiple times before but only come out as verified through all three credit bureaus. This account has errors from XXXX  saying its open but XXXX  and equifax saying closed? Which one is it? This account needs to be deleted with all these inaccuracies.
Consumer complaint received 2020-02-10
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (FL)

This is about the fourth time I have reported Comenity Bank - XXXXXXXX XXXX   XXXX  Credit card. I closed the account over a year. It was reopened without my permission. I have mailed the customer service department and this agency about the demand to pay late fees and an annual premium for a credit card I chose not to use. 

Credit card # XXXX XXXX XXXX XXXX - never activated Balance Statement Credit Card # XXXX ( located at the bottom of the statement ) Why there are two different numbers no one at the company can tell me and the fraudulent part is to have me activate the card " before '' someone in customer service answers my questions.
Consumer complaint received 2020-02-10
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: CITIBANK, N.A. (CA)

These problems has been continuing for several months due to which we stop using this card ( shop your way card ). They are continuously charging us for nothing. sometimes they charged for ineligible interest charges, fees for nothing and money transfers. Last time they charged us for 3 times listed below. we talk to the merchant ( XXXX ) they told us that they charged nothing like that except monthly payment. 
unauthorized charges : ( 1 ) XXXX : on behalf of XXXX  internet ; amount of {$220.00} ( 2 ) XXXX : on behalf of XXXX internet ; amount of {$290.00} ( 3 ) XXXX : balance transfer ; amount of {$220.00} Even we contacted them on XXXX to remove the above two charges and to close the account right now for which the billing lady had agreed but on the very next day ( XXXX ) they again charged us Balance transfer instead of removing previous charges and closing of account. Please keep in mind that we are not using this credit card for anything for last few months.
Consumer complaint received 2024-02-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (TX)

I was buying a townhouse and I was looking for homeowners insurance and I got estimates from insurance agencies. I found the insurance company I wanted to use which was my auto insurance company. I let the other insurance companies know that I chose my insurance. This company is the only one who is trying to collect on a debt that I never had. My mortgage company pays the insurance the only company I've ever used for insurance. I closed on my townhouse in XXXX, this collection showed up on XXXX, showing I owed {$240.00} to a company I never had an account with. I called the collection agency and made them aware of this, but nothing was done. I've had it removed from 2 of the credit reporting agencies now it's showing up on XXXX. XXXX and XXXX have removed it. I want to know if there is a legal action I can take.
Consumer complaint received 2020-02-10
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: Experian Information Solutions Inc. (IN)

Disputed with XXXX several times and they will not remove the ch XXXX bankruptcy that was filed fraudulently docket # XXXX Attorney XXXX XXXX XXXX filing date of XXXX and dismiss date XXXX. I have sent the documents several times and the investigation does nothing. 
I would appreciate immediate help I can get on this matter as it has caused a lot of anguish and stress for my husband and me. 
The address is also wrong on the bankruptcy filing it is not on any credit reports. This should be enough for the removal but unfortunately they did not resolve and remove this. 

I'm also attaching the actual court documents from XX/XX/2019. This public record is complete fraud and totally out of compliance with the FCRA.

MY Social Security XXXX Birth Date : XXXX
Consumer complaint received 2020-02-10
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. (NC)

This account was disputed multiple times before but only come out as verified through all three credit bureaus. This account has errors from transunion saying its open but XXXX and XXXX  saying closed? Which one is it? This account needs to be deleted with all these inaccuracies.
Consumer complaint received 2019-09-25
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. (TX)

I have disputed inaccurate personal information including name and address. I have also disputed fraudulent inquiries on my credit. I have been informed these have all been verified as accurate. I then requested information about the verification process approximately 20 days ago and have only received a copy of my credit report in response. There is no response to method of verification request and the inaccurate information remains. I have delivery confirmation on XX/XX/19 of the request I sent. This problem is with all three credit bureaus including Transunion, XXXX, and XXXX.
Consumer complaint received 2018-05-05
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: ADF Automotives LLC (MS)

Purchased a vehicle in XXXX from ADF Automotives out of XXXX, Ms . Had major problems with the purchase later to find out the vehicle was salvage and this was the reason for the persistant problems. Have all proof and documentation on this behalf as it was left in the vehicle. I took the car to be fixed 5 or more times within a year. They kept my vehicle a full month at one time. I am and was a very loyal customer paying ALL payments on time every time. Never missed one til this day. I paid almost 10K on the car before I traded it in. Had to go through a lot of drama just to get a trade in as they gave me a run around after complaining numerous times even though their contract states you can trade after so many months of service. After letting the company know of further action about to be taken they insisted on fixing the problem and me getting another vehicle. I purchased a new one with the company. The company sold the salvage car a week later. And failed to put the XXXX  to my new account. Basically making me start completely over having no trade in. They also just got away free with XXXX which is a lot of money. I found out this was illegal through proper services explained. Two weeks later I received a clear and free title for my new car purchased. The company failed to put a lien on it from the new agreement and signed the car over completely to me. This then became a problem as I was threatened and told something could be done " By the push of a button ''. I never signed a new contract with them to get the lien and they got one anyways. I then  got a heads up through an attorney that XX/XX/XXXX my name was forged to get the signature if i did not re sign paperwork after the contract was broken. Now I am having ANOTHER problem as I have had the newer vehicle from them for 8 months now. Paying thousands of more dollars to find out that my balance has never went down and is higher than when I originally started the loan. These people are scamming me out of thousands and thousands of dollars. I have almost paid $ 13000- {$15000.00} and have gotten no where. I am looking into legal help as I do not want anyone else to go through this torture it's sickening and they know exactly what their doing. They are a complete rip off. I have all documention from pictures. Payment receipts. And all documentation I need to prove I am indeed being messed over. I have tried to have an understanding with the company and the owners but they do not take it seriously and are doing nothing to fix the problem. The owners wife XXXX re did my account. The husband ignored me. On top of every month being harrassed on behalf of insurance they say I never have and I do faithfully every time. I need someone to look into this company as I have others willing to sign a petition on behalf of being scammed by this company.
Consumer complaint received 2020-02-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (MI)

I made on-time payments every month I had the PayPal Mastercard. I recently paid off the card and within a few weeks of the card being paid off, Synchrony Financial closed the account with no warning. First they claimed it was due to inactivity- however the card was last used just in XX/XX/2019. Then they claimed it was due to a random credit review -- even though my current credit score is higher than at any time the card was open. This is shady dealing by a company and it looks like they do it all the time. There was no reason what-so-ever for this card to be closed.
Consumer complaint received 2022-10-14
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. (CA)

This is not the first time I've complained about being a victim of identity theft. The XXXX credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 


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