davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

My credit card was charged for {$360.00} by XXXX XXXX on XX/XX/XXXX for joining their annual credit report membership. The sales representative, who signed me up, took my credit card details on the phone and didn't explained the refund policy. About 10 days later, XXXX XXXX XXXX that they were unable to produce my credit report from Capital One which they had promised me when I joined the membership. After my research I found out that XXXX XXXX is an invalid and fake credit reporting agency who is unrecognized by Capital One and all other banks as a credit reporting bureau. In fact, XXXX XXXX is a collection agency. 

On July 27, 10 days before my membership, XXXX XXXX sent me a fake credit report by fabricating my previous 9-month purchases from the debit card and showed them as a credit on the credit report. The same report was shown to me even after I joined the membership which didn't benefit me at all. This was a fake report which I reported to Capital One and placed a dispute on the charge after cancelling my annual membership with XXXX XXXX on XX/XX/XXXX. I had also sent two letters to XXXX XXXX and attached the evidence of the fake credit report from XXXX XXXX. Despite of the fraud, Capital One is in favor of the XXXX XXXX side and recently placed the charge back to my Master Card and compelled me to pay the sum.
Consumer complaint received 2019-10-05
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. (CA)

During the month of XXXX I paid {$19.00} for a sent a certified letter to the credit bureau XXXX and Experian on XX/XX/19. I received confirmation for XXXX with the tracking number XXXX and for the letter with Experian XXXX were delivered on XX/XX/19. I paid my credit monitoring account {$29.00} today to review my credit report with XXXX and noticed that the invalid/fraudulent accounts has not been deleted nor have I received any correspondence from them to my address. According to the Fair Credit Reporting Act, Section 611,  XXXX and Experian has 30 days to investigate and delete the disputed items. It is not XX/XX/19 and it has been over 60 days and the items are still being reported on my credit reports and causing unnecessary health strains on me as a consumer. I am filing a complaint with the Consumer Finance Protection Bureau to get the help I need since my rights have been violated.
Consumer complaint received 2022-01-14
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I sent letters to XXXX, XXXX and TransUnion on XX/XX/2021 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 30 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.
Consumer complaint received 2022-01-26
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PNC Bank N.A. (VA)

XX/XX/2021 Made an application for {$280000.00} mortgage with PNC bank XXXX XXXX, VA. Worked with loan officer daily supplying income information, savings, employment, etc. Followed our progress on the PNC loan tracker. Lead to believe all is well. Then denied XX/XX/2021, due to excessive obligations in relation to income. My wife and I had a combined annual income of some {$150000.00}. Current home was paid in full. No debt except for one auto loan. Substantial savings. My credit score was XXXX. Her credit score was XXXX. We were NO RISK. 

The same day I wrote you I wrote PNC and ask for a detailed explanation. To date I have NOT received any response. I believe it wasn't until they realized our age. I am XXXX. My wife is XXXX we were then denied.
Consumer complaint received 2022-01-14
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: JPMORGAN CHASE & CO. (GA)

I'm writing this complaint to address a response that I received from chase bank via mail. I submitted a complaint to the CFPB about Chase Bank obtaining my consumer report without a permissible purpose or consent from me the consumer. this is my final attempt to settle before I escalate this matter to arbitration. Chase Bank has in fact admitted to being guilty of XXXX count of obtaining my consumer report under false pretenses and without consent from me the consumer. CHASE BANK obtained a copy of my consumer report under false pretenses I never gave them written consent to obtain my consumer report. On XX/XX/2021 they pulled my consumer reporting causing my score to drop tremendously. They used my identifying information without my consent to obtain a copy of my consumer report from XXXX. chase bank committed identity theft pursuant to 15 usc 1681 ( a ) ( q ) ( XXXX ). The term identity theft means a fraud committed using the identifying information of another person, subject to such further definition as the Bureau may prescribe, by regulation. Pursuant 15 USC 1681q, Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title XXXX, imprisoned for not more than 2 years, or both. CHASE BANK ( JPMCB CARD SERVICES ) obtained my consumer report under false pretenses and without written consent and have admitted to this crime in their response to my complaint and they shall now be held liable. They responding letting me know that they asked the CRA to update the inquiry on my report, but there still was no permissible purpose or consent given to them from me the consumer to obtain a copy of my consumer report. they were supposed to conduct a permissible purposes audit but have failed to do this and provide me with any results. This unauthorized inquiry damaged my consumer report and they are now Criminally and civilly liable. Pursuant 15 USC 1681n ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; chase bank is in violation of 15 U.S. Code 1681q and 15 usc 1681b ( XXXX ) and 1643 of this title unauthorized use of a credit card which is defined as my social security number. under title 15 usc 1602
Consumer complaint received 2022-01-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: STATE BANK OF INDIA - NEW YORK BRANCH ()

I have purchased XXXX credit card in XXXX. And i am paying my bills every month. Then also they haven't deducted bill amount. But they have overcharged me 30,000 rupees extra. 
When i complained to customer they talk to me rudely. 
I am in XXXX. 
If anything happens with me XXXX CREDIT Card will be responsible for this. 
Please help me to solve my problem.
Consumer complaint received 2022-08-28
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. (MO)

My ex husband fill out for a credit card under my name. They are saying that I filled the information out. XXXX XXXXXXXX states I filled out for it but I didn't not. I only have one XXXX XXXX account it is the one in the past 2 years.
Consumer complaint received 2022-01-26
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. (DE)

Hello my name is XXXX XXXX ; I am writing to delete/remove the following information in my file. The items I need deleted/removed 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/removed 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/remove the items as soon as possible. 

Based on, 15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible!
Consumer complaint received 2022-01-26
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)

Hello my name is XXXX XXXX ; I am writing to delete/remove the following information in my file. The items I need deleted/removed 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/removed 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/remove the items as soon as possible. 

Based on, 15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible!
Consumer complaint received 2022-01-26
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: General Motors Financial Company, Inc. (WI)

On XX/XX/XXXX we went to the local XXXX dealership and looked at a new vehicle. On XX/XX/XXXX the dealer started the process for us to get financing. They go through GM Financial. On XX/XX/XXXX we purchased the vehicle and signed all of the loan documents for financing through GM Financial. 

On XX/XX/XXXX I refinanced my vehicle loan with another financial institution and GM Financial received my payoff as of XX/XX/XXXX. 

On XX/XX/XXXX my husband and I each received a denial letter for our application of credit from GM Financial. The letter was dated XX/XX/XXXX. The denial was in regards to the application from the local dealership and the credit score information was from XX/XX/XXXX. 

On XX/XX/XXXX my husband contacted GM Financial and after some back and forth was told that the letter was a mistake but then was cut off. 

On XX/XX/XXXX I attempted to contact GM Financial inquiring for the specific reasons for the denial. I waited on hold for 10 minutes and then eventually attempted the text option to inquire for my statement of reasons for the denial. After a half hour I was told I would be sent a Statement of Specific Reasons letter. 

My issue is we received a denial letter more than 30 days after a credit decision was to have been made and we weren't really denied, we got the loan.
Consumer complaint received 2022-01-26
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Hiday & Ricke, P.A. (FL)

I have attempted to contact the company to set up a payment plan. I get no response. I am currently in a financial crisis with a debt to income ratio of nearly 60 %. This lead to me falling behind on my previous payment plan with them.
Consumer complaint received 2021-03-09
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Bank of America has an account service called goals. You are able to transfer money from your checking or savings account into this account in order to save money for a desired goal. I transferred {$300.00} into that account and {$45.00} went missing. I called Bank of America to inquire about the missing funds and the representative told me that they had moved my money somewhere and it is no longer available. I asked the Bank of America associate to release my funds and they would not do so. I also asked to speak to a supervisor and one was not provided for me.
Consumer complaint received 2022-08-28
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: Experian Information Solutions Inc. (GA)

I have inquired with XXXX and Experian to remove : US BKPT CT GA XXXX from my report. This item is causing my livelihood to be interrupted and I can move forward. Under the 15 U.S.C 1681 section 602A, states I have the right to privacy. 15 U.S.C 1681 Section 2 ; also states a consumer reporting agency can not furnish an account without my written instructions. Please remove this item so that I can apply for jobs and purchase needed resources to better my living situation.
Consumer complaint received 2022-01-26
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. (MO)

In XX/XX/2022 I discovered several fraudulent accounts on my XXXX, Equifax XXXX XXXX credit profiles. I was notified several times from multiple companies that personal information was hacked/leaked. I have filed a police report with my local authorities and I have also filed a Federal Identity Theft Affidavit along with mass personal information leak documentation.
Consumer complaint received 2022-01-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO. ()

XX/XX/XXXX Dear XXXX XXXX XXXX XXXX ( CFPB ) : My Name is XXXX XXXX XXXX, and I am providing the below consumer complaint for your review and ask for your assistance in this matter at your earliest convenience. 

Note : In addition to this letter depicting the exact and honest events that has taken place by and from Chase Bank Credit Cards, I have also provided a snapshot of this information from my recent personal credit report. I would also like to add, that I am available and more the willing to speak this truth noted below on a phone call and can be reached at XXXX. 

Complaint Snapshot Summary I am in the commercial real estate business and have a Business credit card under my company, XXXX XXXX XXXX, XXXX. This card for 14 years ended in XXXX and was changed in XXXX ( without my knowledge ) to a new account number ending in XXXX but remained a business Credit Card under my Company. This is a Chase XXXX XXXXXXXX XXXX Card, I opened the day I opened my accounts- both my business accounts and moved all my personal banking over to Chase Bank in XXXX, TX at the XXXX XXXX XXXX, approximately 15 years ago. The XXXX Card had a {$22000.00} balance ( approximately ) going into COVID and was paid in full to a zero balance on XX/XX/XXXX. This card is open, never charged off, is paid to zero balance, and reporting negatively on my personal credit with all three reporting agencies, which never did until XX/XX/XXXX. I have never been late other than during COVID and as you will read below, I was given payment options and guidelines by Chase Credit Card XXXX and encouraged to do same and there would be no negative reporting as a result of following the Chase Credit Card payment help. paid what I was advised to pay by Chase Bank to prevent any negative issues reporting to my personal credit report. I have satisfied this debt in full as I told Chase I was going to do. I was NEVER advised of any grace period ending by anyone at Chase. I was obsessed and relentless with Chase that I can never have this report negatively to my personal credit and said this to them on EVERY call. However, now, due to my trust in Chase Bank ( over many, many calls ) and the words they misrepresented to me and my family, I am now in a huge loss with a COVID impacted business card reporting very negatively on my Personal Credit ( over 110 points ), destroying my personal credit, I built for 30 years and preventing us from buying a home.
Consumer complaint received 2023-06-26
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Albert Corporation (AZ)

I repeatedly had trouble logging in to my Albert account & had to request numerous password changes. Albert locked me out of the account. On XX/XX/2023 I began communicating ( via text ) with Albert Support to get the account unlocked. An account specialist reviewed my account & informed me they suspended my account. When I requested the return of the funds in the account I was told I would need to request a reversal of the direct deposit to access my funds. I did as requested & the direct deposit going into the account was reversed. However, there was a cash balance in the account before the direct deposit occurred & it remains in the Albert account. I repeatedly tried unsuccessfully to talk to a live person & was told that Albert had determined that texts & emails were the best way to meet their customers needs. Albert texted we can not provide any further information or details regarding the funds in your account, and we can not remove the suspension that has been placed on the account. This is unacceptable & illegal to refuse to refund the balance in my account. I have provided Albert with my bank account information so that the balance could immediately be returned to me. They are no longer responding to texts.
Consumer complaint received 2018-02-26
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Santander Consumer USA Holdings Inc. (TX)

I purchased a used car and it financed threw XXXX XXXX XXXX   XXXX XXXX XXXX, texas XXXX XX/XX/XXXX It was then chgd to Santander consumer usa XXXX XXXX XXXX XXXX i got behind due to car broke.and had to leave at family home on XXXX on XX/XX/XXXX.. it noted i was 30 days late.this acct is over 7yrs old. Then it was sold to XXXX XXXX.the dates were put as if i owed this debt 1st day deliquent XX/XX/XXXX i disputed but thy say its accurate and i never lived at XXXX asked it to be removed but no luck this account is way over 7 yrs old from 1st delinquency and thy wont post it accurate i have documentation..
Consumer complaint received 2024-03-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCB Management Services Inc. (SC)

There are unlawfully reporting an unauthorized account on my consumer report. I never gave NCB Management service permission to put anything on my credit file. This company is in violation of 15 USC 1692g. As the original creditor only I can validate this debt and I do not validate this debt. I never signed a contract with NCB Management service Im not sure how they got my information. This company is not license to collect in South Carolina and I have sent out a cease and desist which they have receive ( XXXX XXXX XXXX XXXX XXXX XXXX ).
Consumer complaint received 2022-12-01
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. (TX)

XXXX, XXXX I have never been associated with this name. I am a victim of identity theft this is not my name. I have already provided my police report and my ftc complaint. 

current Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX I have never been associated with this address.I am a victim of identity theft this is not my name. I have already provided my police report and my ftc complaint. 

Current Address ( es ) : XXXX XXXX XXXX XXXX TX XXXX I have never been associated with this address.I am a victim of identity theft this is not my name. I have already provided my police report and my ftc complaint. 

Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX TX XXXX I have never been associated with this address.I am a victim of identity theft this is not my name. I have already provided my police report and my ftc complaint. 

Previous Address ( es ) : XXXX XXXX XXXX XXXX TX XXXX I have never been associated with this address.I am a victim of identity theft this is not my name. I have already provided my police report and my ftc complaint. 

Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX TX XXXX I have never been associated with this address.I am a victim of identity theft this is not my name. I have already provided my police report and my ftc complaint. 

Employers : XXXX I have never worked for this company.I am a victim of identity theft this is not my name. I have already provided my police report and my ftc complaint. 

Employers : XXXX XXXX XXXX I have never worked for this company.I am a victim of identity theft this is not my name. I have already provided my police report and my ftc complaint.
Consumer complaint received 2024-03-28
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (TX)

My employer XXXX XXXX XXXX XXXX ) direct deposited my payroll into my personal Chase account ( XXXX ) on XX/XX/year>. On that same day XX/XX/year>, XXXX XXXX received 2 Deposits from customers. Chase said they could not validate these checks and would close the business account ( Chase Business account for XXXX XXXX XXXX ) On XX/XX/year> Chase froze all my personal accounts without notifying me any anyway. I called Customer Service every day to get updates on the freeze and see when my funds would be released, every day the XXXX would tell me the same thing, that they could not provide me with any information on the investigation. The only thing Chase did say was that upon completion of the investigation, which could take up to 10 days, they will notify me of their findings by mail. On XX/XX/year> Chase told me they will close all of my accounts and not allow me to bank with them any longer. All due to an issue from my XXXX Bank account. This issue had nothing to do with me or my accounts with Chase. They closed my kids account, mine and my ex-husbands joint accounts. This is a huge inconvenience to me personally. This tied up all my funds and Chase will not release them to me. These funds are mine and should not be held from me for an undeterminable amount of time. I find this to be criminal. They have caused me to incur late fees and past due payments on my credit.