davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-02-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (AZ)

On XX/XX/2020, I successfully deposited {$1400.00} in cash to Chase bank at XXXX XXXX XXXX XXXX XXXX, XXXX, AZ XXXX. 

I received a receipt, which is attached to this complaint, that proves the funds were successfully deposited to my bank account. In addition to being a receipt for the deposit transaction, it also proves that the balance posted to my account as available funds. 

On XX/XX/2020, I went to make another deposit at the ATM and my debit card did not work. I spoke with a teller who advised that my account was closed. I did not close my account. In regards to the {$1400.00} in question, the teller told me that the deposit was " rejected. '' I have proof, and so does the bank, that it was not " rejected. '' The funds posted to my account.

I was advised to call the number on the back of my debit card to file a " claim. '' The representative at that number said I can not file a claim because my account was closed, and that the branch manager had to. 

I filed the claim, and there is material fact ( evidence ) readily available that proves I deposited {$1400.00} to my account. However, I am being made to wait for an indefinite amount of time for an " investigation, '' and " physical inspection '' of the ATM. The evidence is in the documentation - I should not be made to wait excessive periods of time for an " investigation '' when the facts are apparent.

This is not an inconsequential amount, and my ability to pay bills is in question without the funds.

Do not do business with Chase - " programming errors '' or whatever excuse they may have does not relieve them of their responsibility to immediately provide me with my funds.
Consumer complaint received 2018-10-10
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CAPITAL ONE FINANCIAL CORPORATION (WA)

XX/XX/XXXX made $ XXXX transfer to associate using capital one XXXX app XXXX  feature. On XXXX received note from associate asking about whereabouts of payment. On XX/XX/XXXX contacted capital one. Capital one attempted to cancel the payment but was unsuccessful. While on the call capital one verified the phone number of the recipient of the transfer. I was referred to claims department to initiate a claim and was informed that the investigation would take up to 45 days to resolve. I subsequently made a small test payment to the recipient via the same phone number successfully. At this time I am out $ XXXX with no indication what went wrong, where the money is and what will happen next.
Consumer complaint received 2018-01-10
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (GA)

THE FOLLOWING SEQUENCE OF EVENTS OCCURRED : 1. XXXX ETH ( Digital Currency ) was deposited into my Etherium Coinbase Wallet Account from an external Crpyto Exchange on XX/XX/XXXX. 
2. I sold ( Exchanged ) the ETH ( Digital Currency ) on Coinbase for USD fiat and requested that the USD fiat funds be deposited into my XXXX XXXX account on XX/XX/XXXX. See message below. 

Message Sold XXXX ETH for {$7900.00} USD. 

Payment will be SENT to XXXX BANK XXXX by Wednesday XX/XX/XXXX. 


The funds were NEVER sent and Deposited into my XXXX XXXX Account as requested. 

See further message below : Your sell for {$8000.00} USD of ETH has started Reference code XXXX Payment method XXXX XXXX XXXX Start date XX/XX/XXXX Estimated payout XX/XX/XXXX Amount XXXX ETH Exchange rate @ {$740.00} / ETH Subtotal {$8000.00} Fee {$80.00} Total {$7900.00} The funds were NEVER sent and Deposited into my XXXX XXXX Account as requested.
Consumer complaint received 2017-07-31
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Municipal Collections of America Inc. (IL)

I have was contacted by MCOA back in XX/XX/XXXX. stating that my Driver Licenses would be suspended for tickets that was on a car that I co-signed for. I then told them that I did n't have the car and asked if the that has the car been notified yet.They told me no they had the right to go after me and not him and that they did n't suspend his. Also, I then told them that he had filed bankruptcy on XX/XX/XXXX and gave them the case number and told them they are trying to get double payment, they told me oh well and that I would have to pay as well because it was my name. On XX/XX/XXXX @ XXXX XXXX I spoke with XXXX XXXX and she stated that even thought it was filed that it was now out of her hands and that it was a part of the bankruptcy department and that she no longer had anything to do with this. I spoke with the bankruptcy department and they said that yes they have the case information but I had to speak with his lawyer to have them get my licenses back. When I explained to them that I have no contact with him they said oh well they would keep them. I also stated that I was on my credit report as well, she said oh well. ( they have removed the tickets )
Consumer complaint received 2024-03-18
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Velocity Portfolio Group (TX)

Provided me with a report summary which is not proof of ownership and a right to collect on the debt. Failed to provide me with a purchase agreement to let me know whom has had ownership of the debt, how they can collect on the debt, if they can sue on the debt. Nothing was provided.
Consumer complaint received 2020-01-21
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (TX)

LVNV Funding for XXXX XXXX  has placed a collection account on my credit reports that is not valid. Not mine. I have no contract or agreement with LVNV Funding at all. This originally came from Resurgent Capitol.They use multiple company names and different addresse to trick you into not knowing who to respond to properly. 

Upon initial receipt of a notice from them I sent them a cease and desist letter for this alleged account back in XX/XX/2019. Even though I had done this they have illegally placed this collection account on my reports. 

I have attached a copy of the letter that I sent them originally. 
I have also disputed this with the credit bureaus and re-sent LVNV Funding/Resurgent Capitol the cease and desist letter. 

I want this removed from all credit reporting accounts immediately!
Consumer complaint received 2020-05-31
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Santander Consumer USA Holdings Inc. (MA)

I see multiple 30 & 60-days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2020-05-31
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. (NJ)

Several months ago, I noticed that my rating with Equifax was significantly lower than my rating with the other credit bureaus. I reviewed the report and discovered numerous errors. The summary says that I have too many delinquent accounts, when in fact I don't have any. Secondly, they have my name incorrectly noted. I don't have a middle name, so they put my first name as my middle name and added some bizarre name as my first name. I have spent hours on the phone with them and sent them copies of birth certificate, passport, and driver 's license. I also included a letter from XXXX XXXX, stating that I don't have any delinquent accounts and never did. When I call Equifax and spend hours on the phone, they say that I need to contact XXXX ... I keep telling them that I have and they have a copy of the report from XXXX. They steadfastly refuse to update my name saying now that there is nothing that they can do about a name change! When I ask why was I instructed to send in documentation to prove my legal name, they say that the agent was misinformed. Equifax is abusing privileged information and refuses to work with me on fixing this issue. I am shocked at how inept and incompetent they are. They also employ individuals who are rude and surely - nevermind useless.
Consumer complaint received 2020-12-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FISERV INC. (AL)

My purse was stolen and the person that stole my wallet ordered merchandise from XXXX using my checking account and other information they found in my purse. 
I contacted Telecheck to advise them that I am a victim of identity theft. They refuse to stop trying to collect the money from me.
Consumer complaint received 2017-07-31
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc. (MT)

From Comenity Bank ( XXXX XXXX ) Creditor Repetitious calls every 2 hours ; From both XXXX & XXXX I explained my financial situation months back, and tried to pay this off, now with the interest and late fee 's I am unable to ever pay it off, my daughter was helping and she is now XXXX and we are unable to pay this off, i was going to try to send {$10.00} a month or so if they would go back to the original bill for me, however they only agreed to $ XXXX/monthly payments. I gave up and they have been calling relentlessly without leaving any messages even on Saturdays! Here is only one Example ; Friday XXXX XXXX, 2017 XXXX XXXX XXXX XXXX XXXX I have an answering machine, I am XXXX and no messages left.
Consumer complaint received 2023-01-11
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: Experian Information Solutions Inc. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 ; According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2021-08-17
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)

Im demanding that the 3 major credit reporting agencies provide me with a physical documentation / contract of the following accounts, these accounts are unknown and unauthorized by me. Im demanding that these accounts be blocked and removed from my credit file. 

1. XXXX XXXX {$670.00} 2. XXXX XXXX {$120.00} 3. XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Corp Solutions Inc. (NJ)

I don't recall having a contractual relationship with this collection company CREDIT CORP SOLUTIONS. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2024-03-18
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: BANK OZK (FL)

On the XX/XX/XXXX I opened a CD at the Bank OZK for {$5000.00}. It was for XXXX months expiring on XX/XX/XXXX. The account # was XXXX. The interest rate was XXXX XXXX. 

I never received a notice that the CD was expiring. Without my knowledge on permission the CD was rolled over to one with a interest of XXXX XXXX. What a rip off. Why didn't they roll it over to the current rate?
Consumer complaint received 2021-04-05
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 (NY)

On XX/XX/XXXX my credit card was used in three different locations unlawfully in Florida for the amount of {$1000.00}. The credit card company, Capital One refuses to believe that I did not use the card in Florida since the card has a chip on it and has stated that the chip can not be hacked or used unlawfully. I live in New York and have not been to Florida and the credit card company is requesting I pay all of the amount of the fraudulent purchases. I have attempted to appeal and the company continues to state that they have insufficient evidence even though the card has not been used for several months and has been in my possession in New York the entire time.
Consumer complaint received 2021-04-05
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. (FL)

The credit bureau still have inquiries on my report that do no belong to me. I sent in the documents that they asked me to send in. They told me the process would take 72 hours. This was 18 days ago. I called and I resent the required documents. They confirmed receiving them. They are still showing. I was told that the items would be removed after I sent them the required information. 
These need to be removed XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX.
Consumer complaint received 2021-09-20
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX , XXXX . XXXX, XXXX XXXX, FL XXXX XX/XX/XXXX SSN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX Dear Sir or Madam : As ofXX/XX/XXXX it is still displayed on all three of my credit report files, TransUnion, XXXX XXXX XXXX. I was also notified that I could not use XXXX XXXX, CEO of XXXX XXXX XXXX XXXX on my behalf as my representative to dispute fraudulent alleged accounts. I have Attached several Documents so you can see the discrepancies on my FICO credit report. The items I dispute on the attached copy of the report I received.The information on XXXX XXXX XXXX Account number XXXX LISTED with a balance of {$93.00} is inaccurate because I've been contacted by your company about a debt you allege I owe several times. I am instructing you not to contact me any further in connection with this debt. Under the Fair Debt Collection Practices Act, a federal law, you may not contact me further once I have notified you not to do so. I am requesting that the item be removed immediately.

Please reinvestigate this matter to have them delete the disputed item [ s ] as soon as possible. I am writing to dispute the following information in my credit report file. I have listed above the items I disputed, the information on identifying disputed items, creditors name and whether it is a credit account, court judgment, etc. it is inaccurate.

This rule revises Regulation F, 12 CFR part 1006, which
implements the Fair Debt Collection Practices Act ( FDCPA ), to prescribe Federal rules governing the activities of debt collectors, as that term is defined in the FDCPA. The final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection.

The Bureau of Consumer Financial Protection ( Bureau ) is issuing this final rule to revise Regulation F, which implements the Fair Debt Collection Practices Act ( FDCPA ) and currently contains the procedures for State application for exemption from the provisions of the FDCPA. The Bureau is finalizing Federal rules governing the activities of debt collectors, as that term is defined in the FDCPA. The Bureau 's final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection. 

This rule is effective XX/XX/2021. Please reinvestigate this matter and delete the disputed item as soon as possible. XXXX, XXXX, XXXX, XXXX, XXXX. 

Sincerely, XXXX XXXX, Thank you
Consumer complaint received 2024-03-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (TX)

I had my debit card stolen in XX/XX/year> and didn't realize for a long time, because most places require XXXX XXXX  now. Looking at my bank transactions in XXXX, I discovered someone had been using my card to buy gas at a XXXX. The transactions totaling {$970.00}. Immediately, I called chase and let them know. I was told they'd post a temporary credit to my account while investigation was being done. As of this morning, XX/XX/XXXX, all the credit posted to my account was reversed. When I called, they claimed that based on their investigation, there was no evidence that the transactions were fraudulent. I know for a fact that this is a lie and no investigation was done because 1. I do not have a car, as my car got stolen in XXXX. So how would I buy {$970.00} worth of gas and what would I be buying it for 2. All the transactions were at a XXXX 1 hour away from me. How and why would I drive 1 hour to be filling up my tank daily. Again, with what car?? 
3. I believe the basis of their argument was that I had other debit card transactions but that's exactly what we have XXXX  for. One can go months without needed to pull out a physical debit card 4. The results of their investigation did not turn up the person that did this transactions. If it's at a XXXX, can't they ask the establishment for the cameras and catch the person. How is an investigation conclusive when they wasn't sufficient investigation done. 

My case is being treated unfairly and it makes no sense to me, as I have been banking with chase for 10 years now. I believe the investigation done was lazy, if at all there was any done. As it's not hard to catch the culprit in a case like this
Consumer complaint received 2020-12-08
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: AMERICAN EXPRESS COMPANY (FL)

New Discovery I noticed on the XXXX  report and other credit bureau reports the American Express credit card account number XXXX is not my account that has a balance update of {$24000.00} on XX/XX/2020 please review Exhibits D
Consumer complaint received 2020-05-31
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Receivables Performance Management, LLC (HI)

XX/XX/XXXX XXXX Spoke with XXXX  of XXXX locates at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX and he said that hell have XXXX/assistant manager to call us back regarding overcharge of {$500.00} he also stated that lines has already been suspended and that XXXX might have forgot to send notification out to XXXX on XXXX  XX/XX/XXXX at XXXX pm Spoke with XXXX and he stated that they made a mistake in canceling the overcharges XXXX also stated that he forwarded the concern to his supervisors ( XXXX XXXX XXXX and XXXX is also a XXXX manager and said that nothing was done about it. 

XXXX and/or XXXX XXXX XX/XX/XXXX at XXXX Spoke to XXXX with XXXX and he stated that XXXX and XXXX XXXX Managers ) are both on vacation and wont get back till XX/XX/XXXX which is on a Tuesday XX/XX/XXXX at XXXX XXXX  At XXXX called XXXX and spoke with XXXX when asked to speak to XXXX XXXX or XXXX XXXX stated that XXXX no longer works there XXXX works at a store in XXXX and XXXX not in and is off Thursdays and Fridays but will be in Saturday for a special event when I inquired about why my account was forwarded to collections she stated she had no idea
Consumer complaint received 2024-08-22
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Fee problem
Company: WEBSTER BANK, NATIONAL ASSOCIATION (CA)

I received notice from XXXX XXXX ( a division of Webster Bank ) that on or about XXXX, XXXX XXXX, I will only be able to invest new XXXX funds in the their XXXX  Invest program. 

I am not happy with this change. I am a longtime XXXX customer and strongly prefer to invest in my XXXX account there. XXXX does not charge annual fees. XXXX XXXX  will. The following is on their FAQs. 

The annual fees are XXXX XXXX for XXXX, XXXX XXXX for XXXX and XXXX XXXX for XXXX. The fees are assessed on a quarterly basis and deducted from the investment balance. The fee is calculated on a percentage basis on the fair market value ( FMV ) on the last day of each quarter. 

For every {$1000.00} you invest youd pay {$0.00} quarterly for XXXX, {$0.00} quarterly for XXXX and {$0.00} quarterly for XXXX. 

This is unacceptable to me.