davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-18
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: JPMORGAN CHASE & CO. (VA)

On XXXX XX/XX/2020 I applied for a XXXX Rewards PREPAID DEBIT card and, after it was approved, loaded {$25.00} onto it : Account GENERAL CHECKING Original Description CHASE XXXX RELOAD XXXX OH Trans. Type DEBIT CARD PURCHASE Posted Date XX/XX/2020 Amount ( {$25.00} ) Auth. Date XX/XX/2020 I then setup online access to manage the card. When I tried to login and get an update on XXXX XX/XX/2020 re : the status of mailing the debit card, I was denied access. I then called Chase who said they couldn't help me and I needed to enter a branch, which I didn't know of any near me at that time. 

I then received the debit card and a letter from Chase on XXXX XX/XX/2020. When I went to activate the debit card, it was already canceled. The letter indicated the account that was holding my initial {$25.00} deposit was closed for the supposed reason of " fraud. '' This is a lie because there was no fraud. They said I didn't follow their request for entering a bank and proving my identity, but they NEVER asked me to, so they lied. 

The fraud department would not take responsibility and explain the real reason they closed my debit card and I want other consumers to know they CAN NOT TRUST Chase and should avoid them. As of the time of this complaint, Chase is still holding my {$25.00} and will not release it until XXXX XX/XX/2020 at the earliest, which is unacceptable since they are the ones lying to me. 

Again, they NEVER asked me to visit a branch or provide any additional documentation, they are lying. I want Chase to release the real reason they've done this to me and I want my {$25.00} returned immediately.
Consumer complaint received 2018-07-15
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

Inquiries despute XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Cap one XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2017-08-06
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc. (GA)

On multiple attempts dating back to XXXX of 2017 I have disputed an unverified account with National Credit Systems , Inc with client account number XXXX and XXXX account number XXXX. Each time this item was disputed with XXXX the collection agency responded with account verified. On or around XX/XX/XXXX/XX/XX/XXXX I called into National Credit Systems , Inc. and spoke with a rep that was unable to locate an account with my social but a similar account with the same or similar name/DOB. The representative would not provide me with any additional information although she gave a completely different name and an address of XXXX XXXX XXXX XXXX in XXXX, GA that I have never lived or been associated with. At that time the rep advised I dispute again with the credit bureau and stated that the account should not be reported on my credit bureau report. Well, on or around XX/XX/17 I received a letter from National Credit Systems , Inc addressed to XXXX XXXX ( not now or ever known by that name ) requesting I complete a Fraud Packet with that name. I declined to complete the form because the name associated with the account is n't mine and I was advised the packet needed to be completed by XXXX whom I do not know. After advising this information to the manager when I called in I was told thats what needed to be done for them to move forward with an investigation. As we all know, this means that National Credit Systems , Inc. have NOT verified or can not verify this account and under Section 611 ( 5 ) ( A ) of the FCRA they are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if they fail to comply with this Federal Law. I demand the following account be verified or deleted immediately. As mentioned earlier, the name is incorrect, the social they have provided to the the credit bureaus does not belong to me ( which has caused and alias by the name XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX with a social ending in XXXX, XXXX, XXXX, XXXX and XXXX. I have only been issued one social and it does not end with either numbers mentioned and I have not been associated with any name mentioned.
Consumer complaint received 2017-08-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (ID)

I filled Bankruptcy in XX/XX/XXXX and it was finalized in XX/XX/XXXX. I am asking for all three reporting agencies to remove the remarks from public records. I realize that they have the right to report up to 10 years, however given my payment history since then i am requesting an early dismissal of that reporting. At this point its simply defamation of my history because in fact i have a stellar history for the last 9 years. Please let me know what can be done about this. Thank you.
Consumer complaint received 2023-01-31
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

Ref : XXXX my initial complaint was not resolved : problem : A. Falsely reported my account was closed due to FRAUD ( misleading and not true ) B : reported to early warning credit.

C. Reported a discrepancy charge ( that should of been refunded back to my account, but BofA decided to take the side of the person I was disputing the charges with '' related to my son 's basketball fee to play basketball on a team that he never played for. ( We only did a few practices then decided not to move forward. 
D. My XXXX olds sons account was comprised this was documented and reported to bofa : the check signature is not my son 's ( this was all documented and reported ) E. Due to misleading information, I can not open a traditional account for a 7yrs F. This is discrimination, i would like this resolved and correspondence email back to me & CFPB with a resolution to restore checking account, i opened my account in XXXX and have never had such problems :
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

I was looking over my credit report and saw l had some accounts that wasnt mine am a victim of identity theft. XXXX XXXX XXXX account number XXXX never heard of this company or ever had an account with XXXX  please delete this account immediately. I sent them a letter on XXXX
Consumer complaint received 2023-01-31
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. (TX)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2020-09-18
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. (NJ)

XXXX XXXX XXXX Balance Owed : {$0.00} - This kind of account is actually noted as a charged off account, you need to let me know the actual reason why there's a balance showing you on the record if it is a charge off. 

XXXX XXXX Balance Owed : {$0.00} Many times delayed that is being reported on my credit report appears to be inaccurate and or misleading. Please make sure to supply proof that this claimed account was in fact overdue and you have the important guidelines to be able to adequately learn more about your allegations. 

XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} Many times delayed that is being accounted on my credit report seems inaccurate and or misleading. If possible provide facts that this supposed account was in fact delayed and that you have got the needed techniques to make sure you correctly analyze your claims. 

XXXX XXXX XXXX XXXX Balance Owed : {$0.00} - This account standing which is lately reporting on this credit record has a severely unwanted relation to my personal option to attain permission to get a present loan application, please don't hesitate to provide proof that this has been reported perfectly as documented in the Fair Credit Reporting Act guidelines, this is a serious problem to mis-report.
Consumer complaint received 2023-03-09
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Southwest Credit Systems, L.P. (CA)

collection agency - XXXX communication company for cell phone keeps trying to collect debt. unknown amount stated they are lawyers unkown debt amount unveriable amount exagerated amount collection ageny portraying lawyers they are just collection agents
Consumer complaint received 2020-06-02
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. (TX)

Transition does not update the status of the dispute results. I have disputed collection accounts that results in closed but Transunion does not update them to reflect the change. They also keep reporting closed collections as open even after my disputes and documents sent back to them showing their investigation states collection accounts should be closed.
Consumer complaint received 2023-01-31
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. (TX)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and updated from erroneous reporting in my file are listed on my credit report. 
XXXXXXXX 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 XXXXXX/XX/XXXX
Consumer complaint received 2019-05-30
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SYNCHRONY FINANCIAL (PA)

SYBCB / JCPENNY # XXXX Date Reported Opened : XX/XX/XXXX Dated Reported Closed. XX/XX/XXXX This letter is a formal dispute under the provisions of the Fair Credit Reporting Act ( " FCRA '' ) 15 USC SECTION 1681 et seq. that the above named company is reporting inaccurate credit information. 

Company above appear on my credit report making inaccurate derogatory remarks in violation of the Fair Credit Reporting Act. Inaccurately reporting that I owe them : {$350.00} dollars on : XX/XX/XXXX This company has failed to show, what item or service I owe them for. How or what item or service was purchased and not paid for. Who purchased the item or service under what name, address, telephone number, social security number, how was the item or service purchased via credit or debit card, cash, money order etc. or any other form of payment. The above named company must submit to Consumer Finance the social security they have on file relating to this matter in order to positively identify me as the person who conducted business with them and am the person positively identified as the owner of the debt. 
I submit that this derogatory remark should and must be removed from my credit report based on the following : 1. above company has reported and has continued to report such derogatory remarks beyond the statute of limitation ; 2. above company has reported and has continued to report such derogatory remarks without a license to collect or operate in my current home state, my current address ; 3. above company has reported and has continued to report such derogatory remarks without having a signed and authorized document from me as doing business with them. Or hiring or soliciting their services or purchasing their products/items ; 4. above company has reported and has continued to report such derogatory remarks by purchasing an alleged debt I owed to another company or business/provider, without my consent ; 5. above company has reported and has continued to report such derogatory remarks by purchasing an alleged debt I owe as third-party debt collection and is not the original company, business, provider of such item, service or product ; 6. above company has reported and has continued to report such derogatory remarks without notifying me at my address or by phone to make me aware of such debt. Thus, failed to do so.

7. above company must submit to Consumer Finance what name was submitted for these alleged business transaction ( s ) and/or service purchased. Or any items purchased. Above company named must submit the correct spelling of my name and address I reside at while contracting or purchasing their services or items. Above named company must provide full information identifying me as the person doing business with them on said date submitted above.
Consumer complaint received 2020-09-18
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Conduent Incorporated (FL)

I have been claiming unemployment from the government because I was temporarily released off work because of COVID. When I signed up for unemployment I didn't know I was registering an account with Way2Go Debit Card. So a portion of my unemployment has been sent to unactivated account. I don't have the copy of the card to the account therefore, I have no access to my money. I would like to be helped to gain access to the account. You guys have reached out to me but I missed your call. I left 3 voicemails since XX/XX/XXXX and I haven't been reached back yet.
Consumer complaint received 2020-06-02
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (FL)

On XX/XX/2020 there were two Quickpay with XXXX payments taken from my account.One for {$450.00} and one for $ XXXX.I did not authorize these transactions.Chase bank said that they checked and that it was from my IP address and therefore it had to come from my computer.Nobody touched my computer and I think I got hacked through a week Wifi
Consumer complaint received 2019-05-30
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. (NV)

This issue is an existing problem which credit bureaus wasn't able to resolve.. Their investigation did not fix the account. They said they have verified it but did not give details on how their investigation went.. Payments were sent timely on this account and was never late..CFPB step up and fix this error XXXX XXXX, XXXX XXXX
Consumer complaint received 2023-01-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (AR)

Hello Chase bank let unauthorized charges go on me and my wife credit cards without us knowing about it till it was to late A online casino company call XXXX XXXX ran up over XXXX dollars on 7  cards. We lost the dispute because they said it pass 30 days we disputed with the credit bureaus didn get anywhere now we left with XXXX debt chase bank never let us know anything when these unauthorized charges was bein made.we filed police reports
Consumer complaint received 2020-05-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (TX)

As of XX/XX/XXXX Chase Bank did a reversal for the amount of {$1400.00}, which was temporary credit, until the investigation was completed. I filed a claim for items on a purchase on a checking/debit account and I did not receive from the seller involved in the purchase. Chase of course contacts the seller involved in the purchase and the seller provided false information from the carrier that was supposed to deliver but the seller used XXXX XXXX to ship as " No Signature Required '' and I did not have an option to request signature. I contacted the seller and the carrier involved, filing claims from both  parties and resulting unsuccessful. Given the false information from the carrier and lack of proof in delivery, Chase proceeded to agree with XXXX XXXX 's response. I have receipt of the purchase made online and the proof of delivery for the online purchase and the seller and carrier must have records of my complaints and phone calls made since XXXX.
Consumer complaint received 2021-03-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The CMI Group, Inc. (FL)

XXXX, XXXX XXXX XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION XXXX  DEPARTMENT TODAYS DATE : XX/XX/XXXX CREDIT MANAGEMENT XXXX  XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person XXXX company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 XXXX Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). 
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- XXXX A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious CREDIT MANAGEMENT XXXX XXXX I have report your company to XXXX As a form of record and I am prepare to sue your company XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Litigation, Case No. XXXX, in the XXXX XXXX XXXX for the XXXX XXXX XXXX California XXXX collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Consumer complaint received 2021-04-26
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Wrong amount charged or received — 
Company: BAM Management US Holdings Inc. (MI)

On XX/XX/2021 I deposited XXXX XXXX ( Worth roughly XXXX XXXX currently ) from my Trust Wallet into my Binance US exchange wallet. During this transaction I had a lapse in judgement and forgot XXXX and Binance XXXX require a special memo on top of the wallet address that differentiates the different customer wallets that the exchange is sending the XXXX to. Currently my XXXX is stuck in the exchange wallet waiting for customer support to retrieve it and place it in my personal wallet. 

I contacted customer support on XX/XX/2021 minutes after the mistake I made, but after 4 days of research and aggressively trying to get into contact with customer support via their website, XXXX accounts, XXXX accounts without any luck, I understand I will be waiting months if not longer to retrieve my funds from Binance US XXXX according to users who have experienced the same issue. That is a extremely long wait time and a large amount of money to not have access to. I hope we can come to a quick resolution. 

Binance XXXX ticket # XXXX
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TN)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.