davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (TX)

I lost my wallet without realizing, got a message saying they saw suspicious activity on my card at XXXX, I was in bed asleep. The next morning I woke up realized I didnt have my bag with belongings including my wallet, checked my messages and saw the suspicious activity message, made sure to respond and let them know I did not do that charge and asked for a new card and filed a claim, as well as made a police report of the incident. A month later my claim was rejected, I asked to see how they got to the investigations conclusion, explained to them the pattern of spending didnt align and that it was easy to see I never went to XXXX and I wasnt there at XXXX as well as I never spend that much money on gas, their response was we dont investigate patterns or cameras because we are not police. If this doesnt get resolved I am strongly considering switching banks because it is so easy to see I wasnt awake and I wasnt there but it seems to me their fraud investigators dont investigate at all.
Consumer complaint received 2019-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (VA)

I changed my legal name in my local circuit court on XX/XX/2019. Then changed with SSA and Virginia DMV. Also changed with 36 banks and online vendors. It has been over 2 months now and the 3 credit reporting agencies have not picked up my new name. Several services such as XXXX XXXX depend on the CRAs as their source of information and won't update it directly. So I suffer because of the delinquency of the CRAs. I have tried to file disputes, but they don't have a way to dispute your name of record. What can I do to get this messy business of legal name change finally cleared up and resolved?
Consumer complaint received 2020-12-20
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. (DE)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2021-05-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BBVA FINANCIAL CORPORATION (NJ)

BBVA Bank had bought out Simple Bank and has been contacting Simple users about the impending transition from Simple to BBVA for several months in XXXX and XXXX. 
On XX/XX/XXXX, Simple had closed its doors and ex-Simple users received an email from BBVA with a link to activate their accounts. However, when attempting to activate the new account via the provided link, users were met with " System Errors '' and could not access the new BBVA account. When attempting to call customer service, calls were randomly dropped or never answered.

BBVA came out with a statement stating that they would open their service center to assist Simple users on Sunday XX/XX/XXXX. When the lines opened that Sunday, users were met with prerecorded prompts, where someone would pretend to be a service agent for BBVA, then immediately state " Sorry, I can not hear you. Please call back '' and disconnect the call. Those who were able to get through had to wait over an hour for a representative to help them get into their accounts. 

On Monday XX/XX/XXXX, users still experienced issues with randomly getting locked out of their accounts. Users were prompted to call the service number to access the accounts again. When calling the service number this time, a prompt stating " Sorry, we are currently experiencing difficulties. Please call at a later time. XXXX. '' and the call would be automatically disconnected. 

Users were informed that during this transition from Simple to BBVA, no banking information would be changed. However, when users were able to access their accounts, they found that routing numbers did change. Users were also never informed about the myriad of fees associated with BBVA - there is a fee for calling more than 5 times a month regarding your account, and there is a fee for every transaction made with an external bank or account. According to support representatives, BBVA will not waive any fees for users who are attempting to empty their accounts and close them.

BBVA needs to be held accountable for withholding finances for more than 3 days, for completely botching a transition that was planned for well over a year in advance, for their inability to provide service to their customers, for their inability to deal with the volume of customers, and ESPECIALLY for blatantly lying to their customers with fake customer service agent recordings.
Consumer complaint received 2022-05-13
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (VA)

Reported : XXXX XXXX, XXXX - {$640.00} Balance {$640.00} Highest Balance {$640.00} Opened XXXX XXXX, XXXX ( 1 yr, 8 mos ) Account status Open Type No Info Responsibility Individual Account. 
Remarks Consumer disputes this account information Collection account Original Creditor Name No Info Closed No Info
Consumer complaint received 2019-09-19
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: Experian Information Solutions Inc. (OH)

I have a late payment showing on my credit report that doesn't below to me. XXXX XXXX authorized User account XXXX. This is a closed account that I am not financially responsible for please remove the negative item immediately. 
My name is XXXX XXXX SS XXXX DOB XXXX please remove the late payment from my credit report. I am no longer on that account!
Consumer complaint received 2022-05-13
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. (TX)

I have sent disputes to XXXX regarding this collection on my credit report from XXXX XXXX XXXX ( XXXX ) this account has not been updated since XX/XX/XXXX on XXXX and XX/XX/XXXX on Experian and XX/XX/XXXX on XXXX so it has not been accurately validated like XXXX and Experian says it was, I am questioning the validity of this account and I want it removed from all 3 credit bureaus as they are both displaying inaccurate information Also I sent in validation of late payments on this account listed XXXX XXXX XXXX and XXXX on the other account, all listed under account number XXXX stating that I was late 120 days. This info is inaccurate and I want proof sent of the validity of this account, it is inaccurate and needs to be removed from all 3 credit bureaus as well as it is listed under two different creditor names, this information is inaccurate and the account shoudl be removed from all 3 credit bureaus.
Consumer complaint received 2020-12-20
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (GA)

I hope your day is going well, but I need your help. I noticed some inaccurate accounts on my credit report. I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? I got this information from theFTC and also spoke with someone with you all who told me to submit my complaint here.This incorrect information on my credit report is causing problems when I try to apply for credit.I reached out to each account on here and just can't get anyone to help me. They keep sending from one person to another. I have been dealing with this for a whole month now and the accounts are Medical, XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. I am doing this on my own behalf and really need someone to help me with this. Also there are several times where someone ran my credit and I didnt give anyone permission to run my credit. If you all can help me with this as well I appreciate it US SM BUS ADMIN ODA, 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 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 XXXX XXXX XXXX.
Consumer complaint received 2020-12-22
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: V and H Portfolio (PA)

The debt collector was notified that I paid the debt in full to the original owner XXXX XXXX. Furthermore XXXX  was notified that XXXX  XXXX of XXXX XXXX never delivered the furniture in 2015 that I signed to purchase as they claim it was out of stock and gave me something else. The entire file is fraud and misrepresentation originating from XXXX XXXX.
Consumer complaint received 2019-09-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I have a late payment showing on my credit report that doesn't below to me. XXXX   XXXX authorized User account XXXX. This is a closed account that I am not financially responsible for please remove the negative item immediately. 
My name is XXXX XXXX SS XXXX DOB XXXX please remove the late payment from my credit report. I am no longer on that account!
Consumer complaint received 2018-02-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/XXXX I attempted to use my Chase XXXX, it was declined. I investigated and found out the credit limit was was reduced by XXXX. When I called Chase they stated they sent a letter. I never received the letter. I asked for escalation and was transferred.
Consumer complaint received 2017-05-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: AMERICAN EXPRESS COMPANY (DC)

On or around  XXXX   XXXX ,    2017, I cal led  an American Express customer service representative to ask whether I could upgrade my Amex Everyday card to the Amex Everyday Preferred card. I was interested in finding out if there were any promotional offers associated with upgrading my card. I specifically used the word " upgrade, '' and it was clear from the context of my request that I was requesting a product change from the lower version of the card ( Everyday ) to the higher version ( Everyday Preferred ). At no time did I ask for a new card account.      The representative appeared to understand my question and told me that there was an offer that would allow me to upgrade the card and receive  XXXX  membership rewards points if I spent {$1000.00} on the card within the fir st three months of us ing it. I agreed, and I made sure with the rep that this upgrade would not result in a hard pull on  my credit score. The rep  said that she was n't sure, but she thought it would be a soft inquiry rather than a hard one. Again, this led me to believe that she was in fact processing my application as an upgrade ( i.e., product change ) and not as an application for a new card account.     When I opened m y Everyday Preferred ca rd on Monday,  XXXX   XXXX ,    2017, I real ized that the representative had in fact processed my application as an application for a new card account, and  not as a product change. American Express had done a hard pull on my  XXXX  credit report. This hard pull, in combination with the new card account, caused my credit score to fall at least  XXXX  points with all   XXXX   credit reporting agencies.      Making matters worse, the email the representative sent me after our c all ( atta ched ) included the la st five digits  of the Everyday card account that I was attempting to upgrade (  XXXX  ) instead of the las t five digit s of the new card account that was apparently opened later (  XXXX  ).      On  XX/XX/XXXX   and  XXXX ,  2017, I  call ed American Express to as k what they could do about this, but the representatives I reached diverted me from department to department until a representative diverted me to an automated line, which then hung up on me.
Consumer complaint received 2015-12-29
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ENCORE CAPITAL GROUP INC. (LA)

Midland Funding is illegally reporting a re-aged charged off account on all XXXX of my credit reports. I disputed this information with Equifax credit bureau and they informed me that Midland Funding verified the date of last activity was accurate. However the date of account opening has been changed based on my credit report and the information provided to me by the original creditor XXXX XXXX XXXX.
Consumer complaint received 2022-04-26
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: HANCOCK WHITNEY BANK (LA)

I been with Hancock Whitney bank 6 years and all of suddenly they closed my bank account for no reason with cause but I was told that I can go to another bank and open a account, it was really strange I had no debt with them and they refused to give me a accurate reason for why they did so
Consumer complaint received 2020-12-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A. (CO)

Our home loan was sold to Flagstar Bank in XX/XX/2020, with a new payment due XX/XX/XXXX. 
Having recieved short notice, I made our payment by paper check, though the mail. The payment was processed with out issue. 
For XXXX 's payment, I proceeded to set up an online account through their portal, XXXX. I attempted to pay for XXXX, only to discover, about 10 days later, the payment had been reversed. I did this with the same checking account that the first payment was drawn from. Thinking there was an error, I called to see what the problem was, and was told Flagstar was " unable to find '' our bank. I reentered routing and checking numbers and tried again. This payment was also reversed. Each attempt at payment and the reversal take an excessive 5-8 days. I called again, issued a paper check by mail and the payment was eventually withdrawn. 
My husband attempted to straighten out our online account for XXXX. He was on the phone with a representative for 30 minutes. They reentered the banking information together on the phone. We were told that the routing number correctly identified our bank, and that the account numbe was accepted. Much to our dismay, this payment has also been reversed. I once again mailed a check on XX/XX/XXXX. Today is XX/XX/XXXX and it still has not cleared. 
Yesterday, I recieved a letter from Flagstar stating that because of our history of failed payments, they will no longer take payment from us in any form other than a cashiers check or wire transfer. 
This company is treating us as if we are indigent, when it is their payment system that will not allow us to pay. I would love nothing more than for them to take our money, which we have in ample supply. 
I am not optimistic that filing this complaint will help us any time soon, but this company requires some attention for their incompetence.
Consumer complaint received 2020-12-22
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Bridgecrest Acceptance Corporation (IL)

I have tried to voluntarily repossess the lemon that XXXX XXXX sold me haven't even had my car a year and the engine failed. They never mentioned anything about XXXX XXXX having engine failure especially that specific make and model the XXXX soul plus. Usually people just repossess the car they want me to pay for my own tow and sign paperwork which is not something that usually happens with paperwork my attorney advised me not to sign any of the documents.
Consumer complaint received 2022-05-13
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. (TX)

I have sent disputes to XXXX regarding this collection on my credit report from XXXX XXXX XXXX ( XXXX ) this account has not been updated since XX/XX/XXXX on XXXX and XX/XX/XXXX on XXXX and XX/XX/XXXX on Transunion so it has not been accurately validated like XXXX and XXXX says it was, I am questioning the validity of this account and I want it removed from all 3 credit bureaus as they are both displaying inaccurate information Also I sent in validation of late payments on this account listed XXXX XXXX  XXXX and XXXX on the other account, all listed under account number XXXX stating that I was late 120 days. This info is inaccurate and I want proof sent of the validity of this account, it is inaccurate and needs to be removed from all 3 credit bureaus as well as it is listed under two different creditor names, this information is inaccurate and the account shoudl be removed from all 3 credit bureaus.
Consumer complaint received 2022-05-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc. (CA)

A collections account from a company called Amsher Collections was created under my social and stated that the lender was XXXX The amount that I seem to owe is {$5400.00} to the collections agency/XXXX. I have a XXXX account since XXXX and not once have I missed a payment. I contacted the store regarding the collections account and they redirected me to dispute it as I have no debt. I placed a dispute with XXXX and the investigation came back with results that stated that I still have a collections account on my social. I have been always on time with all my bills and this negative remark on my account for which I have no connection to is hurting my credit history. I also have an active fraud alert placed on my account prior to this. I have no idea who is using my information to collect money. Additionally, I have not ever been contacted by the collections company to pay the due- it was only from my XXXX credit report I realized this was even present on my account.
Consumer complaint received 2019-04-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Hi, I purchased this online course " XX/XX/XXXXXXXX '' on XX/XX/XXXX XXXX ( Saturday ) 2019. 
The next days, I can not reach him anymore. He doesn't reply to my messages. He's supposed to be a mentor and we're supposed to have communication through out even after I finished all the videos. I feel like I got scammed. 

On Monday, XX/XX/2019, I contacted him and asked for a refund. He replied and told me that I was stealing information in his course. He sent me an email ( Attached to the bottom ) about the Policy, It says that he will not refund because I watched most of the videos. On the policy it says that less than 100 % video watched and 100 % 30 days money back guaranteed then you get to refund. I only watched 88 % of the videos and not even 30 days have pass I also called my bank ( Bank of America ) for a refund, They said they'll give me a credit or something, I don't really understand what they're saying but its been almost 2 weeks I never received anything.
Consumer complaint received 2018-06-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (MD)

I have been in the process of temporarily unfreezing my credit with all 3 CRA 's. I was able to unfreeze XXXX and XXXX  without an issue, I simply entered my Pin/Password which was created initially to freeze my account. I did the same with Equifax and was given this response, ( see attached photo ) This prompted me to reach out to Equifax over the phone to see what the issue was. The representative told me i needed to send a cover letter with my personal information such as name, date of birth, security number to an general email bucket at Equifax in hopes to unfreeze my credit even though i gave them all of that information verbally. I am EXTREMELY hesitant of doing this for many reasons. I was able to unfreeze my credit with the other 2 CRA 's without an issue. I do not trust Equifax and feel like they are taking advantage of me the consumer. They always ask for irrelevant security questions such as " what is the balance of your credit card '', which is confusing because i have multiple cards and do not indicate which one they are referring too. They never clarify which card, or whether they want the last posted balance or current balance! Every time i answer they tell me i failed the security question and need me to send my personal information in the form of a cover letter to their random email bucket. It's infuriating that this CRA is requesting me to send my personal information in such a reckless manner when they have a track record of not being able to secure their consumers personal information. I would really appreciate some intervention from the CFPB to help, I understand the security measures of verifying my credentials but their process does not seem secure nor safe. 



Company responded STATUS Company responded on XX/XX/XXXX RESPONSE TYPE Closed with explanation Company 's Response Thank you for submitting your complaint on XX/XX/XXXX, through the CFPB Complaint Portal. We have reviewed the information you have supplied through the CFPB portal and directly to Equifax. In your complaint, you indicated there were unable to lift your security freeze. In order to temporarily lift the security freeze please send the requested document such as, driver 's license/state ID card or utility bill showing the current address information along with a social security card or paycheck stub showing the social security number to Equifax Office of Consumer & Agency Assistance, XXXX. XXXX XXXX XXXX, GA XXXX or fax the documents to ( XXXX ) XXXX. The consumer may also contact us directly at ( XXXX ) XXXX to speak with an Equifax representative regarding additional concerns or questions. 

Is this the normal process for a consumer to lift a credit freeze?