davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-06-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/2019 at XXXX PDT, I went to the Chase Bank on XXXX XXXX XXXX , in XXXX , CA to withdraw cash from my checking account in which I had a balance of {$4000.00}.

When I arrived, there was only one ( 1 ) clerk, and at least 6 ATM machines inside of the branch. The clerk was busy waiting on another customer, so I decided to use the ATM machine inside of the branch at terminal XXXX which printed on the receipt. 

I input my debit card into the ATM machine and indicated that I wanted to withdraw {$2000.00} in a series of {$100.00} bills. 

The ATM machine informed me on the screen that it was getting ready to dispense my cash, proceeded to make several noises and sounds as if it was dispensing my cash, but the cash never came out of the machine. ( I was shocked and baffled ). 

The ATM machine, then printed out a receipt telling me that there was an error with the machine and that the transaction " could not '' not be completed to contact customer service. 

I approached the clerk, told her what had just happened. She proceeded to ask me for my debit card. 

I told her that I wanted to withdraw {$2000.00} from my checking account and she then informs me that there was not enough money in my account, and printed a receipt that showed that I only had {$1600.00} in my account. ( Again, I was shocked and baffled, because she was disregarding what I had just explained to her ). 

The clerk then told me that the {$2000.00} from the ATM had been deducted from my account balance of which I had already informed her of that. 

She then told me that I would have to wait until another clerk in private offices would be able to assist me and that there were three ( 3 ) customers ahead of me, and that their system was down.

I waited at least 40 minutes and while waiting called Chase Bank customer service to file a claim and then left the bank. 

Several days afterward and to no avail Chase informed me that they would take 10 days to investigate my claim and that my account could not be credited a temporary credit until after 10 days. 

The following week, l received a temporary credit of {$2000.00} back to my account only for it to be reversed a few days later because Chase told me that they had investigated and found no fault with their ATM machine. 

That's a XXXX XXXX XXXXXXXX! They have robbed me and longtime customer.

In addition, I had a balance of {$570.00} in my account in which Chase " did not '' let me withdraw and placed a hold on my account which has now made my account " negative '' in the amount of {$1400.00}. 

Lastly, Chase closed out my checking account, and voided my debit card.
Consumer complaint received 2016-10-22
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: Neon Newco Corporation (WA)

I got a credit card that i did not solicited for. It is in my name and from netspend. I researched on internet and there are many many complains and some start in 2008. 
This is scam and nobody seems to can stop them
Consumer complaint received 2023-06-26
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: CAPITAL ONE FINANCIAL CORPORATION (NE)

I paid my car loan off with CapitalOne Auto on XX/XX/2023, by transferring the loan balance directly from my local bank account to the lender. I need the XXXX released at this time. They acknowledge receipt of the funds from my account, but I am told by their representatives that they can not send the release for XXXX business days following payment, which is simply an electronic transaction, as " that is the process. '' I asked to have the release process expedited, as I am leaving for an extended vacation, I have given the subject vehicle to my daughter, and we need the title before I can leave in order to transfer ownership to her. Their response to my request to expedite the process was a flat denial, saying they have to follow their " process. '' They offered to have me speak to the " XXXX '' but then came back on the call and said that person would be out for the next 3 days, so their response was, in reality, no response at all. It was a customer service nightmare and the representatives, who were clearly not in this XXXX, while polite, were absolutely no help whatsoever. I informed them I would never again do business with Capital One, for any reason, and would advise everyone I know to avoid doing business with them as well.
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Upon reviewing my TransUnion, XXXX and XXXX credit reports, I have identified unauthorized inquiries. I kindly request the deletion and blocking of these items that do not belong to me within the next 5 business days.
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I want to emphasize that I did not authorize these accounts, and their existence is causing me considerable distress. I respectfully request that you prioritize this issue, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report.
Consumer complaint received 2022-03-15
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. (PA)

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 2022-03-15
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. (MN)

These accounts are showing on my credit profile/report and they do not belong to me. I have request for these to be removed effective immediately please. 

XXXX XXXX XXXX, Balance : XXXX XXXX XXXX XXXX, Balance : XXXX XXXX XXXX, Balance : XXXX XXXX XXXX XXXX XXXX XXXX Balance : XXXX Closed XXXXXXXX XXXX, Balance : XXXX XXXX, Balance : XXXX XXXX XXXXXXXX XXXX, Balance : XXXX XXXX XXXX XXXX, Balances : XXXX XXXX XXXX Inquiry XX/XX/XXXXXX/XX/XXXX
Consumer complaint received 2021-04-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CMG MORTGAGE, INC (CO)

On XX/XX/XXXX I sent a cashier check to pay off my loan with CMG Financial Mortgage. The cashier check was for {$170000.00} to pay off loan of {$170000.00}. I was expecting money back for the difference. I followed their instructions on where to mail the check. Because of blizzard in New Jersey the check arrived on XX/XX/XXXX or 15 days after I mailed it. The instructions said that if check was not in full that they would make up the difference with the escrow on my account. It was 15 days late and instructions said I would be charged {$21.00} each day it was late or {$320.00}. I should have been charged the original payoff of {$170000.00} plus $ XXXX {$170000.00} minus the {$170000.00} of my cashier check and they should have taken off {$66.00} from my escrow account. What they did was sent me back cashier check with letter that said I was short of the payoff amount. 
They caused me a lot off stress so I ended up paying off the amount of {$170000.00} by wire transfer on XX/XX/XXXX. This delay cost me more money. If they would have taken my cashier check on XX/XX/XXXX when it was received as per USPS then it would have been taken care of then and the amount due of {$66.00} would have been paid with the escrow funds in my account. There was over that amount in my escrow account.
Consumer complaint received 2023-06-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (IA)

The following account currently listed and showing on my XXXX and Experian credit report has an incorrect balance : XXXXXXXX XXXX  XXXX XXXX, {$510.00}. The balance of {$510.00} is inaccurate. The XXXX XXXX XXXXXXXX XXXX account is paid in full and I have a balance of {$0.00}.
Consumer complaint received 2018-07-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX They have illegally re-posted an account deleted for identity theft a long time ago. They have ruined my credit and caused damages to me as I recover from Identity Theft. They contacted me out of the blue about this account that has been removed and blocked from all three bureaus demanding money. I responded in writing to them within 30 days notifying them that this account was deleted for identity theft previously and can not be re-posted, bought or sold. 

They don't care about the law at all and attacked me anyway believing that I will just take this lying down and give up. 

They opened the account in XX/XX/XXXX for {$5600.00} and updated it to post on XX/XX/XXXX.
Consumer complaint received 2018-07-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

On XX/XX/XXXX I called TRANSUNION to dispute inquires that I did not authorize. They informed me that they DO NOT dispute any inquires, that signatures do not have to be on file nor do they house that information, and that all information is factual. They said they could not help me and I would have to wait the two years even if I did not authorize them. They also informed me because they are more than 6 months old, the companies DO NOT have to respond to requests. 
XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XX/XX/XXXX XXXX I also spoke to XXXX, and was informed the same information ... 
XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-02-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Have contacted Credit Bureaus about inquires about 6 of them are on my file, however, they are refusing to remove the information stating that items come back validated even though the information is incorrect.
Consumer complaint received 2022-02-09
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (OK)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ok XXXX XXXX XXXX Subject : REQUEST FOR FULL DEBT REMOVAL RE : Navient Acc # XXXX {$190000.00} XX/XX/2022 To Whom It May Concern, I am currently being harassed by Navient. Navient has called me multiple times a day which I understood would happen when I was unable to pay the loans. They then started calling my sister, elderly parents, and mother in law. I spoke to them on XXXX separate occasions and asked that they stop calling family. Two weeks ago I spoke to them and explained my situation again. I explained I have XXXX, XXXX XXXX  children, and work XXXX XXXX XXXX XXXX. I am not always able to talk on the phone but will be in contact with them-that they did not need to contact other people. I would always let them know if my contact information changed. Today they called my neighbor who also happens to be my coworker. I have no idea why they would start calling neighbors and coworkers except to embarass and harass me into paying them ( with money I do not have ). I understand there are consequences for not paying a debt and I am willing to take them. I want to work out an agreement with them. However, I do believe I deserve some sort of protection from having my personal business spread around the small town I live in and tarnishing my reputation at work. Can you please help? I am desperate. 

Navients attempt to validate my claim is vague and insufficient and the documentation that was submitted is vague and lacking competence. Wet ink copies of statements or applications bearing my signature were NOT provided. Proof of a contractual agreement bearing my signature was NOT provided. Navients computer screen printouts submitted are vague, lack competence and are therefore unacceptable. Navients attempt to validate this claim is therefore unsatisfactory. Navients collection attempts violate the FDCPA, FCCPA, FCRA, Libel/Defamation, and Invasion of Privacy of the FCRA. In addition, it is negligence and willful intentional infliction of emotional distress against the Complainant. The following documents submitted outline the unlawful conduct and actions of in their question to damage my credit standing. 

XXXX XXXX
Consumer complaint received 2022-03-15
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On XX/XX/2022. Transunion, XXXX, and XXXX failed to produce an investigative report on XXXXXXXX XXXX XXXX XXXXXXXX XXXX accounts posted to my consumer report. It is a violation of my consumer credit rights to report on a debt I never validated. It is identity theft to transfer or allegedly transfer a taxpayer identification number without the authorization of the taxpayer to aid and abet a form of payment. It is tax fraud to not sent copies of 1099c and 1099 OID to the taxpayer by XX/XX/XXXX of the following year. It is a violation to assign say any consumer owes a debt and that any debt is seriously past due date/ assigned to attorney, collection agency, or credit grantor 's internal collection department. That is a violation of 15 USC 1692e, no lawyer, no collection agency or allege credit grantor can act as a debt collector.
Consumer complaint received 2021-04-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc. (CA)

They call me 3 times a day and leave me voicemails regarding collecting money. This account has been closed since XX/XX/2020. I never opened this account myself. The constant calls are causing unnecessary stress while Im trying to work. I have tried 2 times to ask them to stop contacting me and to remove this and have not heard from anyone. I never even received notice of debt collection or verification of debt.
Consumer complaint received 2022-03-15
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. (VA)

In accordance with the fair credit reporting act XXXX  account # XXXX has violated my right 15 U.S.C 1681 section 602 A state I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 ; TI also state a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2023-01-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

XXXX  inquires XXXX collection XXXX counsumer account XXXX inquires XXXX account Equifax Inquiries and Same accounts I've been XXXX since XXXX Inquiries and accounts are false.
Consumer complaint received 2022-03-15
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

Experian has violated several of my consumer rights. Specifically, they failed to validate a debt at my request within 30 days, which is a FDCPA violation and you continued to report a disputed debt to the Credit Bureaus, another FCRA violation. I certified mailed the documents to them which I was notified was received. Not only have they ignored my prior requests for validation of debt but they continue to report this debt to the credit bureaus causing damage to my character. ALL accounts are to be removed DURING investigation according to 15 U.S Code 1681I ( A ) ( 1.A ). By federal law these accounts are to be removed from my consumer report while a Full and Complete investigation is being done. However they have refused to do. Not only have they refused to do so when being notified by letter. but they also refused to do so several times on their recorded phone lines. I understand that companies who violate these laws are subject to fines. It has been longer than 30 days and they refuse to delete the accounts in accordance with federal law. All of the accounts I am disputing are also reporting inaccurate personal information where its my address, phone, number, name or etc. and they refuse to delete them. This is another violation that they are responsible for as well.
Consumer complaint received 2022-03-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA (FL)

I have applied for PSLF. I am currently eligible under the waiver for full forgiveness. I submitted my paperwork XX/XX/21. I received notification that my employment was approved and the loans were to be transferred from my current servicer to FedLoan, the PSLf servicer. It is almost 4 months later and nothing has happened. My loans are still with the wrong servicer ( XXXX  ) and all parties have No answers as to what the delay is. Others have started the consolidation process recently and been moved to full forgiveness faster. I cant even get my loans to go to the right party.
Consumer complaint received 2022-06-13
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: EQUIFAX, INC. (CA)

According to the Fair Credit Reporting act XXXX, these accounts have violated my rights. 
Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX* 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2019-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (CA)

I contacted Experian ( XX/XX/2019 ) to lift the credit freeze I had placed on my credit. Since I did not have the PIN Experian provided 15 months ago, I answered all the questions needed for them to send me the PIN. I received the PIN in the US mail ( XX/XX/2019 ), and attempted to temporarily lift the credit freeze, by phone and by experian.com website. I followed the steps required accurately and was asked to use the PIN they sent me in the mail. 

I still could not lift the credit freeze. In the mean time, I am unable to get a pre-approval letter from my mortgage company, because they can not run a credit report. This is causing serious difficulty for our family, and I believe this is unacceptable. 

As a side note, I was able to lift the credit freeze on XXXX  and XXXX  with NO problems. The problem is just Experian.
Consumer complaint received 2016-03-24
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (FL)

I was approved for the Florida Hardest Hits Program after loosing my job two years ago. It has been a complete nightmare. The latest occurrence was when Wells Fargo stated that I should send them {$5200.00}. After I informed them that I could not send by the XXXX of XXXX, because after having to borrow the funds that check had not cleared my bank. The representative stated that should be Okay due to the fact that the quote was good through XXXX. They received my funds on XXXX XXXX. Then turned me down for the program stating that I did not qualify. However, Just after that I received a certified letter stating that they were going to take possession of my property with 60 to 90 days. They stated that they because they had n't received those funds by the XXXX that they have to start over. I received a phone call from my representative from the hardest hit program stating that once again I was turned down for the program. She stated that I do qualify for the program and to fight for it. So I have gone through numerous representative with Wells Fargo. The last one keeps vying more time for Wells Fargo and I am not sure why. It has been two months since they have received my portion of the funds and they have not even issued another quote or requested the funds from the hardest hit program. What I feel is that is when my application for the hardest hit program may expire. I have been approved for the XXXX and with my personal amount my mortgage would be current by now. 
Wells Fargo continues to blame the hardest hit program and the Hardest Hit program tells me to continue to fight for it. 
Its not the first time I have had issues with them. I have supplied information continuously for years. I had a local branch manager to send documents for me and still they cried that never received it. Even he said this is XXXX. I am just trying to save my home. I am a single parent of XXXX dependent children.
Consumer complaint received 2022-02-09
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)

The below accounts are reporting to all three credit bureaus and they do not belong to be, I have listed them below 1 ) XXXX XXXX XXXX XXXXXXXX Account # XXXX Opened date XX/XX/XXXX Balance {$260.00} 2 ) XXXX XXXX XXXX  Account # XXXX Opened XX/XX/XXXX Balance {$1800.00} 3 ) XXXX XXXX XXXX Account # XXXX Amount {$200.00} '' 4 ) XXXX XXXX XXXX XXXX  Account # XXXX Amount {$160.00} 5 ) XXXX XXXX XXXX Account # XXXX Opened XX/XX/XXXX Amount {$130.00} 6 ) XXXX XXXX XXXX Account # XXXX Opened XX/XX/XXXX Amount {$120.00} 7 ) XXXX XXXX # XXXX Amount {$43.00}