davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-06-21
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (OR)

Used Chase ATM : Wednesday XXXX XXXX XXXX  Using XXXX Debit Card withdrawal {$220.00} ( have used same ATM several times before, it charges me {$3.00} fee to withdraw money from XXXX. I prefer Chase ATM because I can get {$100.00} 's, {$20.00} 's and {$5.00} 's. This withdrawal specifically was {$220.00}. Everything went fine until it went to dispense cash, I heard it run through a couple times and then nothing, no cash was dispensed, only ATM Slip that shows withdrawal from checking $ XXXX+fees ( completed ) but below it says " We're Sorry ATM Can not Dispense Cash At This Time please contact XXXX ( XXXX ) XXXX '' So I am freaking out and call the #, they tell me since I am not a Chase customer they can't help me. I call XXXX and everything on their end shows that I got the money from a completed ATM withdrawal. This is the problem I dont want to file a dispute with XXXX when it was Chase ATM that is the problem. I decided to wait until the following day and call at XXXX. I speak with XXXX who I explain situation, shes very cordial and understanding and says she will call me back. She calls back and explains I have to go through XXXX. I dont accept that answer and ask for her supervisor, she says she will have Branch manager contact me. By XXXX that night I havent heard from the manager, so I go into the bank, the branch manager reluctantly helps me after making me wait for 15-20 minutes. He explains theirs nothing they can do and I ask when they balance the ATM because it will be positive {$220.00} that is my cash, he says once a week but he isnt willing to help. I explain, why would I file an investigation on a complete ATM withdrawal that isnt XXXX issue, its Chase. He says since I am not a Chase customer he can't help me. I asked for his supervisor because I explain I needed that cash Wednesday night, not in 2 weeks from now. He gives me his supervisor 'contact info. No remorse, etc, just more of a sorry man its not my deal, although he agrees it doesnt make sense for me to call XXXX and file a dispute on a complete ATM withdrawal and ask for a credit. That seems like I just withdrew {$220.00} and then am calling and saying oh it didnt work I need you to credit me back that money. Why would I do that when Chase can just count the ATM and see their is a discrepancy, and he also has seen the slip I got when the error occurred. Please help me rectify this situation, I just want the cash they are holding onto at the Chase Bank. Thank You!
Consumer complaint received 2022-12-14
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: Experian Information Solutions Inc. (CA)

Contacted a us bankruptcy court ask them if they report to the credit bureau they send me letter saying no they dont third party company called XXXX reported it dispute that item requesting the source they refuse.
Consumer complaint received 2019-06-21
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Pendrick Capital Partners Holding, LLC (TX)

Beyond upset with how call handling from an agent and lead. Agent hung up on me on the first call, when I called back she threatened to hang up on me. I requested for further escalation. Call was transferred to a " lead '' who was not helpful. I was told a supervisor would get back to me.. call back number was verified for sup to contact me. I was never contacted. The agent was beyond disrespectful. i will continue to escalate my compliant to the higher ups if need be.
Consumer complaint received 2021-06-11
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

BANK OF AMERICA - This is not my account. Someone stole my identity and opened many accts under my name without my permission or authority. Please verify all information is truly mine, correct and accurate. Please remove.
Consumer complaint received 2019-06-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: BARCLAYS BANK DELAWARE (FL)

Barclay Bank Credit Card US - In XXXX I had a conversation with an agent of Barclay Bank regarding entering into a long term payment plan of 5 years to get my account current and get payments made to pay off the amount due. The confirmation # of the agreement we made is XXXX. In that conversation the agent assured me that within 4 or 5 payments of this new amount ( {$82.00} a month ) my account would show " current '' on ALL credit reporting agency reports and that as long as I made the payments, the account would be in good standing. This program was called the Long Term Assistance Program. In XXXX of XXXX, while trying to refinance our home with a VA mortgage, it was discovered this account is still showing as ALWAYS LATE. This is a lie. I have not missed a payment in 2 years. I called Barclays and filed a complaint ( # XXXX ) and spoke with 2 managers - XXXX XXXX and XXXX XXXX, who listened to the call from XXXX and agreed that this was indeed what I was told by their agent. However, the agent lied to me and what she assured me was the case, was in fact, a lie. I have asked the two managers to make this right and abide by the promises and assurance I was given and to make the account show " Current '' as I was told it would, and they both refused. Their answer is to apologize for the lie, and to tell me the account " doesnt qualify '' to be shown as current even though I have never missed a payment under the plan we agreed upon. They have refused to assist me and have even promised return calls that never came ( XXXX - I promise I will call you at XXXX Monday the XXXX of XXXX That call never happened and it took me 3 more calls to even get her to answer the phone ). What they have done is unethical and a true " bait and switch '' scheme whereby the consumer ( me ) believes what the agent promised me and I live up to the agreement - just to find out it was a lie and they are going to continue to fraudulently report the account is late, which it isnt,
Consumer complaint received 2015-05-06
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: Diversified Consultants, Inc. (FL)

Diversified collections keeps calling me after made several requests that they not contact me anymore. The numbers they contacted me from are XXXX XXXX XXXX and XXXX XXXX.
Consumer complaint received 2021-06-11
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: EQUIFAX, INC. (DC)

Last year when the pandemic start I was going through some financial issues job related but I still kept my payments up to date. Months later I received a notice from the credit bureau saying that I was 30 days late on my credit card payment which I found impossible at the time. I tried to contact XXXX XXXX without any success and still this 30-day late notice is a huge negative placement on my record. 

Although the reporting is current and positive at this time, the issue is that I never gave anyone permission to furnish or report anything to a credit bureau or consumer reporting agency. Since reporting to credit bureaus and other consumer reporting agencies by creditors is voluntary and based on 15 U.S.C. 1681b ( a ) ( 2 ) any consumer reporting the agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I have never given any credit bureau or consumer reporting agency my written permission to report to them. I sent out letters back in XXXX to Equifax, XXXX XXXX XXXX requesting that they delete the accounts in their system as well as phone calls to all of the agencies since I did not authorize their reporting services. As of today, I have not received a response nor have the account been removed as requested.
Consumer complaint received 2021-06-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

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

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

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 2. XXXX XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 5. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 6. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 7. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 8. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 9. US SM BUS ADMIN ODA on XX/XX/XXXX ( Reported Identity Theft ) 10. XXXX XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 11. XXXX XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 12. XXXX XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 13. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 14. XXXX XXXX on XX/XX/XXXX ( Reported Identity Th
Consumer complaint received 2018-02-22
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: CITIBANK, N.A. (CA)

I submitted proof to XXXX that my loan with Citibank was paid in XX/XX/XXXX. The loan was initiated in XX/XX/XXXX. Citibank continues to provide the wrong information. Over the past two decades, I have received multiple letters from Citibank, and I have copies of my old, paper-version, credit reports. I have proved in multiple ways that my loan was paid. Nevertheless, Citibank is erroneously reporting that I was past due for 60 days in XX/XX/XXXX. You can't pay a bill in XX/XX/XXXX and have it past due in XX/XX/XXXX. I have asked them to correct this, and they are not choosing to do so. Since the credit agency has records revealing that this should not continue to be on report, they have the duty to correct it. I want either Citibank or XXXX to be accountable ; preferably, both agencies should work toward greater customer responsiveness and business accuracy. My first bank was Citibank, and I chose to stop banking with them entirely in XX/XX/XXXX because they do not appropriately manage their records. I expect this to be fixed immediately, or I will initiate a lawsuit.
Consumer complaint received 2019-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

My name is XXXX XXXX XXXX my SS is XXXX, my DOB XXXX I live at my current and only address XXXX XXXX XXXX XXXX XXXXS GA XXXX. I am trying to purchase a motor vehicle and yes I was denied do to false and inaccurate information on my credit file. The are various names on my report that are not my name XXXX XXXX XXXX is the only correct listing of my name please delete any other variation of my name spelling. My phone number XXXX please remove any other phone number. 
The following addresses are not mine please delete : XXXX XXXX XXXX XXXX XXXX XXXX CO XXXX XXXX XXXX XXXX XXXX XXXX XXXX CO XXXX XXXX XXXX XXXX CT XXXX XXXX CO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CO XXXX XXXX XXXX XXXX XXXX XXXX   XXXX CO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CO XXXX XXXX XXXX XXXX XXXX  XXXX CO XXXX XXXX XXXX   XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX OH XXXX I just finish getting rid of fraudulent accounts and wrong information from my credit report with the help of my attorney I do not wish to go through that experience again. 
I DO NOT NEED ANY FREEZE OR FRAUD ALERT!!! I DO NOT NEED ANY FREEZE OR FRAUD ALERT!!!
Consumer complaint received 2020-02-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OH)

To : Consumer Finance Protection Bureau : I travel overseas once or twice a year for pleasure. I always set travel notifications so the credit cards that I take with me know when and where I am likely to make charges, to avoid any issues with a denial. 

In preparation for a trip with my family in XX/XX/XXXX, I attempted to set travel notifications online for my Bank of America card ( card of choice due to no foreign transaction fees ) and was notified on the website that they will not take travel notifications anymore, and will instead alert me if there is unusual activity, and to be sure my email address was correct and set up mobile alerts. 

I called Bank of America and hit a brick wall. No way to pre-warn them of projected unusual activity! Instead they insist on notifying me, with risk of denial on future use if I do not respond to the notification. I explained to Bank of America that this was not an option. I do not take technology with me on overseas trips, so I would be unable to receive alerts, and even if I did, I would not access account info on public Wifi! I do not use a smart phone and again, even if I did, I would not access account info through it, also due to security risks. They said I could call them collect if I had an issue! That also is not an option. In this case I will be in XXXX and their phones ( landline ) still charge for use regardless if incoming or outgoing call. And my cell phone will charge me XXXX/min for any calls! 

So I checked another cards that I have. My XXXX VISA had the same procedure. XXXX let me set an alert, however, it does not work in XXXX, so that is not really an option. XXXX let me set an alert for dates of travel, but not location, and still states I will be alerted. 

I feel as though I am stuck. No way to be sure that my CCs will work, forcing use of cash ( Thank goodness I am not going to XXXX a cashless society that will not take cash! ) I also feel I am forced to use technology while travelling, exposing me to greater risk with hacking, identity theft, etc, etc. 

Additionally, this coming trip is to XXXX, but I usually do a mission trip annually to countries more like XXXX XXXX, where I dont want to have a lot of cash on me and definitely would not want to use public wifi or other technology. 

Please help to change these procedures, I feel I am not free to travel with appropriate financial/identity protections. 

Thank you XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX
Consumer complaint received 2021-10-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I bought a car and used Capital One to finance. I set up auto pay after my initial payment online and thought i was done with it. Turns out, it never went through, they never received it, or whatever excuse they claim, it was 100 % done on my end. They wait til i am two months late to even ATTEMPT to make contact and let me know i was late, meanwhile they are hurting my credit. I called, they explained, i calmly set up auto pay on the phone, took care of the back payments and asked if there was a resolution. They said i could dispute it with their office, which we know is automated and they will not help a single father like me when it was a mistake, i believe on their part, but apparently on mine. That one late pay docked my credit score 100 points!! I went from about to get a loan to looking for a place to live, all because they wanted to rack up late fees, not contact me, and then deny me when i asked for a resolution? Seems unreasonable and unethical to me.
Consumer complaint received 2021-06-11
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. (DC)

Last year when the pandemic start I was going through some financial issues job related but I still kept my payments up to date. Months later I received a notice from the credit bureau saying that I was 30 days late on my credit card payment which I found impossible at the time. I tried to contact XXXX XXXX without any success and still this 30-day late notice is a huge negative placement on my record. 

Although the reporting is current and positive at this time, the issue is that I never gave anyone permission to furnish or report anything to a credit bureau or consumer reporting agency. Since reporting to credit bureaus and other consumer reporting agencies by creditors is voluntary and based on 15 U.S.C. 1681b ( a ) ( 2 ) any consumer reporting the agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I have never given any credit bureau or consumer reporting agency my written permission to report to them. I sent out letters back in XXXX to XXXX, Transunion, and XXXX requesting that they delete the accounts in their system as well as phone calls to all of the agencies since I did not authorize their reporting services. As of today, I have not received a response nor have the account been removed as requested.
Consumer complaint received 2019-06-21
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: EQUIFAX, INC. (IN)

I was not late on my accounts, I wonder why Equifax, report it as late when in fact payments were processed before the due date. Credit Bureaus wont give me a concrete reason as to why they wont fix the account. CFPB Please step up and fix this for me XXXX XXXXXXXX, XXXX XXXX   XXXX, XXXX XXXX, XXXX XXXX.I may suffer damages because I need to rely on an accurate and complete statement of my credit record and demand that you remove the inaccuracy from my report immediately
Consumer complaint received 2022-04-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I reported to TransUnion 5 months ago there is a name on my credit report that is not mine and has bee added by mistake. The name is " XXXX XXXX XXXX '' I am not aware of who this person. This name " XXXX XXXX XXXX '' is should not be associated with my credit report. 

I have reported numerous times to TransUnion and ask them to remove it. Each time TransUnion stated it would be removed, but every time I view my report, this name " XXXX XXXX XXXX '' still listed. 

I need your assistance to get this name off of my credit report.
Consumer complaint received 2019-06-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: ATLANTIC UNION BANKSHARES CORPORATION (VA)

This is regarding my Union Bank & Trust account that has been assessed a number of late payments in violation of Federal Law. The loan was made on XX/XX/XXXX, the Note states that after the XXXX a late payment can be assessed, however, it is using Form 3247 which is a XXXX XXXX form. XXXX XXXX follows Federal Guidelines in its lending practices. I have been assessed late charges prior to the XXXX of the month and I would like to have them removed. PLEASE VIEW THE Union Bank & Trust Note ATTACHED AND CONFIRM THAT THEY ARE USING XXXX XXXX Form 3247. Pursuant to XXXX  XXXX Guidelines as stated in this link : FOLLOW THIS LINK : XXXX : XXXX # XXXX, IT STATES AS FOLLOWS : Late Charges for Conventional Mortgages. THE NOTE FOR A CONVENTIONAL FIRST MORTGAGE MUST PROVIDE FOR THE BORROWER TO PAY 5 % LATE CHARGE ON ANY INSTALLMENT THAT IS NOT RECEIVED BY THE 15TH DAY AFTER IT IS DUE. The late charge should be computed on the principal and interest ( P & I ) installment only, not on the full monthly payment of principal, interest, taxes, insurance, and other assessments ( PITIA ). THE COMPANY HAS ILLEGALLY been assessing late charges to my mortgage from XXXX to the XXXX in violation of XXXX XXXX 's guidelines. 

I would like the late payments that were assessed removed prior to the XXXX of each month and appropriate adjustments made. I'VE ATTACHED A COPY OF THE NOTE AND HISTORICALLY ACTIVITY.