davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-04-06
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: JPMORGAN CHASE & CO. (OH)

On XXXX XXXX 2016 at XXXX., I realized a transaction for XXXX went through on my account causing it to go negative even though I did not authorize the transaction. I called Chase immediately and advised of the situation. I spoke to a representative named XXXX who assured me that he placed a stop payment on XXXX and that the funds will not be removed from my account. When I woke up on XXXX XXXX 2016 and checked my account, I noticed that the funds had actually cleared the account after I was promised that they would not and my account was still in negative. I called and spoke with another representative at XXXX who told me that there was nothing that could be done but to submit a dispute form that could take 7 to 10 business days to get my money back. I then asked to speak with somebody else that was higher in order to find a resolution. I spoke with another representative named XXXX who said she was a senior account representative, you also told me that there was nothing that could be done other than for me to go to a branch and submit a dispute form. I feel as though all of the work has been left on me to correct a problem that should have never even occurred because I did everything I was supposed to do as a consumer. I am very emotionally distraught as I write this because as I explained to them with my accountant native because of a transaction that was n't even supposed to go through that I have to wait 7 to 10 business days to be refunded for I do n't have enough money to put gas in my car or buy food for my kids or myself. And this is a huge concern, because it never should have happened in the first place. In addition, when I explained my situation and advise the senior representative XXXX that I only have enough gas to make it to the gas station all she could tell me to do was to swipe my debit card and hope it goes through. If it does n't go through then I would be stranded at a gas station. She also told me to try to swipe it to buy food for my children and hope it goes through. If it does n't go through, I 'm left looking like a fool at the grocery store with a cart of groceries that I ca n't even pay for even though I should because the money should be available in my account. This is emotionally affecting me because I 've always been able to provide for my children and I 've always done stuff the right way. And because of Chase and their representatives for the first time and not sure if I 'm going to be able to buy food for my children because of a mistake that they made on their behalf that they ca n't correct without me doing all the leg work.
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (NV)

LexisNexis did not answer the main question at hand. If there is a XXXX XXXX why would LexisNexis furnish a report unlawfully? If LexisNexis contends that their XXXX was lawful then they must provide that verification and proof. 

LexisNexis needs to provide a detailed audit of each XXXX they have provided since the XXXX XXXX was placed and the reasoning and verification used for each instance. This must be done for all XXXX of all consumer reports maintained by LexisNexis.
Consumer complaint received 2017-10-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Capital one has me added to a credit card as an authorized user that I never requested and have no knowledge of the person the account actually belongs to. I have contacted Capital One and told them that I should not be an authorized user on XXXX XXXX 's credit card, however they have refused to remove me as an authorized user, and now I am showing late payments on my own credit report based off of Capital One adding me as an authorized user fraudulently. I was the victim of identity theft and my credit was also compromised during the XXXX breach but Capital One has refused to remove me as the authorized user. I do not know anyone named XXXX XXXX and I never have, and I never gave any such person the authority to add me as an authorized user. My identity was compromised and I am struggling to resolve these issues, but Capital One has refused to honor my efforts and have been verbally abusive to me with regards to this matter.
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (NM)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-09-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I dont understand how these people are getting ahold of my credit information. I NEVER had a XXXX account a day in my life so i Don't know what this Collection is about. The other 2 accounts XXXX and XXXX XXXX XXXX are linked to addresses that I've never heard of nor lived at in my life. I have lived at my current address since 2016 and i am still a current residence. Also Inquiries from : XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX. Seems like someone is trying to use my credit to shop for a car. I am not looking for a car at the moment. Please delete these inquires as I did not apply for ANY of these accounts
Consumer complaint received 2016-07-22
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (FL)

I previously contacted a creditor listed twice on my reports ( XXXX XXXX XXXX ) after I had disputed the listings on my report ( significant errors on listing, conflicting information, incorrect reporting ). I used the address listed on my Equifax credit report to contact XXXX. My letter to XXXX came back as undeliverable, that the address was no longer valid. I contacted Equifax and disputed the tradelines as a result, including copies of the certified letter which was returned and the certified slip from mailing. Equifax purported to investigate the dispute in a week 's time, and advised that they confirmed that the listing are correct. They also advised me to contact XXXX directly AND PROVIDED THE SAME INVALID ADDRESS shown on my credit reports to contact XXXX ( the address from which my prior certified letter was returned ). Clearly they either ( 1 ) did not investigate the dispute in any real fashion, or ( 2 ) XXXX continues to submit incorrect information to Equifax. I am uploading ( 1 ) a copy of my dispute letter to Equifax , ( 2 ) a copy of the letter sent to XXXX which was returned to me as undeliverable, ( 3 ) a copy of the letter I had written to XXXX ( which was undeliverable ), and ( 4 ) a copy of the dispute results provided by Equifax. This has been a frustrating endeavor which has harmed me and resulted in the denial of credit.
Consumer complaint received 2015-09-24
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Dear Bank Of AmericaMy loan was transferred XXXX 2014 to XXXX incPrior to transfer I received a permanent modificationMy challenges areThe modification payments were not applied to loanThe accounting ledger Bank of America providedWrote off XXXX deferred amount due upon sale or payoff of loanWould you clarify details of sale to or servicing to XXXX
Consumer complaint received 2016-02-06
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Stillman Law Office, LLC, Farmington Hills, MI Branch (MD)

XXXX XXXX, XXXX I received a letter from XXXX XXXX, c/o XXXX XXXX, stating that the letter shall serve as notification, that XXXX, XXXX has agreed to the proposal that the account has been settled in the amount of {$2500.00}. XXXX XXXX XXXX has been handling my debt with my creditors, per our contract agreement, as of XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX, I was served a District Court of MD Writ of Summons stating a court date of XXXX/XXXX/XXXX in regards to this creditor. I contacted XXXX and sent the information to XXXX XXXX of XXXX and she stated that it was taken care of in XX/XX/XXXX and the debt was settled. I have since been attempting to contact XXXX about this matter, tthe court date came and went, and now there is an open DC judgment filed against me. When I contact XXXX they tell me that they have made numerous attempts to clear this matter up with the creditor, but the office of XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, MD XXXX, does not return the calls from XXXX. Current date, XXXX/XXXX/XXXX and I have not heard anything from XXXX XXXX XXXX, or the XXXX XXXX XXXX XXXX XXXX XXXX. I have not received any notifications to state the status of the judgment nor have I heard from anyone regarding any progress with this matter, This is now a Credit Report status and I would greatly appreciate this being removed!
Consumer complaint received 2022-02-14
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: U.S. BANCORP (CA)

US Bank reached out with a resolution. However, their letter states to speak to the branch manager which I have done several times. He suggested to wait longer and it has now been twXXXX months. Now, he is asking for me to provide invoices for deposited checks so they can be " verified ''. These requested checks have been deposited in the account for over a year and there have been multiple checks prior from the same companies over the span of the account being open. When the account was closed, I was told several times that I would have a check sent within a certain amount of days. During this time, a " verification '' process was never discussed as a condition of releasing my funds. As time went on, the time frames for the check increased. With this sudden request with lack of explanation or reason, I do not feel obligated to give them invoices.
Consumer complaint received 2017-04-30
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: Experian Information Solutions Inc. (FL)

I have reviewed all   XXXX   of my credit report have saw numorous hard inquiries on my report i never gave approve for such as.    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   There is numerous   XXXX  inquiries  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX
Consumer complaint received 2024-03-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Bank of America erroneously put on my credit report that I owe them money which I don't their system is wrong. They refuse to speak to me about it. They refuse to answer my questions and they refuse to give me documentations that I ask for. They have acknowledge that the information is incorrect but they refuse to correct it. Again they refuse to send me the documentations I request on my account.
Consumer complaint received 2022-02-14
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: EQUIFAX, INC. (TX)

I have recently checked my credit reports with XXXX, Equifax, and XXXX and have found duplicates reporting 's that is currently affecting my credit score. I have disputed these findings with each bureau, and they have not removed the duplicates from my credit file. I have also found accounts listed on my credit file with no furnisher account name or information that have not been updated with accurate information or removed. 

XXXX XXXX XXXX Account NoXXXX Duplicated on three times on XXXX XXXX XXXX XXXX Account NoXXXX Duplicated on two times on Equifax Two accounts with no furnisher account information listed on Equifax
Consumer complaint received 2015-12-03
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: U.S. BANCORP (CA)

I atempted to open a businress checking account with US Bank and was sent on the run-around XXXX times. I was told different things each time I went to the bak, Then I was left siiting for a prolonged period of time only to be told that they were closing. Finally, I was told that because I had a negative balance one day a couple of months ago, that I could not open the account. I tried to explain that the negative balance was due to someone else using my card numer of which I had filed a claim on. However, uS bank employees were determined not to open the checking account for me after taking copies of all my information.
Consumer complaint received 2016-02-19
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (AL)

Equifax refuses to report and remove foreclosure correctly. My original loan through XXXX XXXX went into foreclosure. The loan was sold/transferred to XXXX. Where the foreclosure was finalized. The XXXX XXXX is due to fall off my reports as a foreclosure XXXX 2016. Equifax states they will continue to report XXXX account, even though it is the same loan and same foreclosure. I just want the XXXX account to be treated as the XXXX XXXX and be removed by XXXX 2016, 7 years from the first payment delinquency.
Consumer complaint received 2015-11-06
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Resurgent Capital Services L.P. (NM)

I had internet service years ago with XXXX XXXX and cancelled due to poor internet and service. I was notified in XX/XX/XXXX and spoke with an agent of Resurgent that I needed documentation of the validity of this debt as I was never notified of such debt. XXXX XXXX I disputed the claim in writing to Resurgent still waiting for verification. The only thing they can come up with is a date that they were told it originated, a XX/XX/XXXX date it was charged off, and a date they acquired it for LVNV Funding who bought the debt from XXXX. I am not in the habit of paying just because someone says I owe them..I need month and dates of this service for verification of its validity as I have never been notified of this in the past..
Consumer complaint received 2017-04-30
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 (GA)

I purchased a product from XXXX XXXX XXXX, it was one of their specials during their fund-raising season. XXXX XXXX XXXX XXXX XXXX XXXX program, should have been booklets, DVDs, etc. Was charged {$240.00} by : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX UNITED STATES OF AMERICA ( THE ) XXXX Additional Information : XXXX Reference : XXXX Category : Merchandise & Supplies - Internet Purchase After waiting a while without receiving the kit, I called XXXX XXXX XXXX and asked about it. They said those had been delayed but be patient. Assured me we would eventually get the products ordered. So I was patient. Still did n't get anything, so finally in XX/XX/XXXX I called back and they said the same thing. Today XX/XX/XXXX I tried to dispute the charge with American Express,  and they informed me that they could n't do that as I was beyond the 60-day dispute limitation. So -- first, XXXX XXXX XXXX took {$240.00} from me and then encouraged me to be patient. I was. Second, American Express claimed they could not help me since it was beyond the 60-day limit for disputes. Catch-22!!!!! Please help me resolve.
Consumer complaint received 2016-05-26
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: First Advantage LNS Inc. (TX)

I was in the service and went on medical leave and the place I was living at was informed and I should not owe anything to this company, now years later they are trying to collect. This is not right, I need some help.
Consumer complaint received 2015-03-31
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (FL)

Hello, I asked Equifax to provide documentary proof of the negative claim being made on my credit history and they have failed to do so. I have asked them repeatedly to update my credit report by removing the claim on it since they were unable to provide me with the documents I requested and they refuse to do so. I also spoke with a customer service representative which told me they have no way of provide me with such documents as they receive the claim from the creditors and as per their " records '' the claim was valid. I asked for such " records '' and they told me they had no way of providing them to me. That to me was unacceptable.
Consumer complaint received 2024-02-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX is complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-02-14
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. (PA)

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Consumer complaint received 2021-09-03
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. (TX)

Noticed unauthorized inquiries on my credit report. Been trying to get them removed.. XXXX says that they deleted them but they are still showing on my report.
Consumer complaint received 2015-12-01
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

I purchased a camera at XXXX XXXX XXXX in XXXX via the internet. I was charged {$340.00} for this camera for a total {$350.00} including tax. A few days later an additional charge was made by the merchant for {$80.00}. Capital one never gave me ample time to challenge the merchants " documentation '' to show and prove that I have NEVER authorized an additional charge of {$80.00} for any reason.
Consumer complaint received 2020-10-19
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: UNITED COMMUNITY BANK (GA)

On XX/XX/20 A debt validation letter was sent to XXXX XXXX XXXX XXXX XXXX XXXX XXXX and was ignored. A modification request was received on XX/XX/20 by UNITED COMMUNITY BANK XXXX XXXX ; XXXX XXXX  XXXX with respect to a bad loan that the bank previously made to Me. 

Which was denied and I request an appeal and provide evidence to support that I made enough money to pay my mortgage. 

I did show an hardship according to 1403 HERA sec 1639a. These company have violated my rights and have knowing entered into predatory lending practices and have violated the lending laws. I also request a copy of the complete serving file and have not received anything from these companies. Section 809 ( b ) of the Act provides that if the consumer disputes the debt or requests identification of the original creditor in writing, the collector must cease collection efforts until he verifies the debt or identifies the original creditor and mails a response to the consumer. If the consumers request for verification of the debt was made in accordance with Section 809 ( b ) of the Act ; the collector need not supply the documentation but only so long as collection efforts are not resumed. Section 809 ( b ) requires that the collector cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt... and a copy of such verification... is mailed to the consumer by the debt collector. 
NOTHING HAS BEEN RECEIVED FROM THESE COMPANIES. 
They have violated the debt collection laws, the 1403 HERA sec 1639a laws, and the Coronavirus Aid, Relief, and Economic Security Act ( CARES Act ) ( Public Law 116-136 ) By offering me a modification and not approving it for the Mortgage and then trying to proceed against me in a non-judicial foreclosure is deceptive and unfair. They have breached their legal duty to act fairly and in good faith by engaging in unfair and deceptive practices. XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX and UNITED COMMUNITY BANK XXXX XXXX XXXX XXXX XXXX XXXX are redlining my loan and have foreclosed on my property without proper validation. 

XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX and UNITED COMMUNITY BANK XXXX XXXX XXXX XXXX XXXX XXXX has shown Discrimination on the basis of race national origin in the terms and conditions, or privileges of sale of a dwelling, in violation of 42 U.S.C 3604 ( b ). The is a gentrification of the neighborhood.