davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/2021, I logged into my Chase business account in attempt to pay my credit card bill. I received an error saying that it was not possible to pay from the business account, so I called the help line for assistance. The helpline informed me that the bank had frozen my account, and it will be closed soon. When I asked why it was frozen, the answer simply was, " We no longer wish to do business with you ''. Further inquiry on when it will be closed gave no definite answer, nor did I get a response on why I did not get any official notification on freezing or closing of the account. I was simply told, " You will get notification soon ''. 

Today is XX/XX/2021. In these few days, I have reached out to Chase secure messaging center, XXXX, and received a call from a Chase representative who had all told me the same thing - my account is under review. To this date, I have not received ANY official notification on my account freeze or the closing of my account. And there is no response on when this will be closed. 

There is a total of about $ XXXX in the account that is currently frozen. I informed the representatives that I have bills to pay, I have a small business to run. The answer simply was, " Sorry for the inconvenience ''. 

I was not informed of any order against my account, and was further able to open a new bank account with a new bank with no issues. I always maintain a high balance, do not have any overdrafts on the account, no debt, and pay my bills timely. Therefore, I do not believe I myself or my business has any legal implications that I am aware of. 

I require access to my funds immediately, my business needs to those funds to be operational, and a bank should not be allowed to freeze or close accounts without valid reason, or at least a timeline of when I can expect to have access to those funds.
Consumer complaint received 2021-05-05
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: EQUIFAX, INC. (NM)

Im submitting this complaint against XXXX Equifax, and XXXX due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous XXXX and financial XXXX preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.
Consumer complaint received 2021-02-05
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TOYOTA MOTOR CREDIT CORPORATION (CA)

Upon reviewing my credit report I noticed that an account with Toyota auto financing was taken out I did not apply for an account nor did I give anyone permission to open an account with my information. I am a victim of identity theft and I have made a police report with my local police department.
Consumer complaint received 2024-03-19
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENOVA INTERNATIONAL, INC. (TN)

I was contacted by XXXX XXXX XXXX about a loan from 2017 for XXXX but they stated it is now XXXX. I told the agent I have not received any letters or e-mails regarding this but he said they were sent. So I asked for something written e-mailed to me, he refused. I requested something written, the man I spoke with XXXX XXXX stated they could e-mail me documentation as soon as I made a down payment. My wife stated to be careful because of scams, the agent became a bit nasty and told me, " tell you what, if you don't finalize this now I won't accept less than XXXX ''. I replied, " Are you telling me if I don't pay something now before I can see something '' and then the agent cut me off and said, " Forget it. If you won't finalize this now you will get served papers '' and then hung up.
Consumer complaint received 2021-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

The below company repeatedly reports late to all 3 credit bureaus which is not true or consistent to what me as the consumer has been doing. The amount of excessive late payments reported is very unethical and shouldn't be on my credit report. 
XXXX XXXX XXXX {$630.00} Balance updated XX/XX/XXXX 25 late payments XX/XX/XXXX 30 - - - - - - XXXX 30 60 60 XXXX 30 60 90 90 120 90 60 60 90 90 120 90 XXXX 30 60 60 90 60 60 60 60 60 XXXX XXXX - - - On Time 120+ Days Late 30 Days Late 60 Days Late 90 Days Late - Data Unavailable
Consumer complaint received 2020-09-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AUTOMOBILE ACCEPTANCE CORPORATION (GA)

I had an auto loan through Automobile Acceptance which became delinquent. I paid off the debt after repossession through their lawyer XXXX XXXX XXXX. They reported to XXXX and XXXX that the balance was XXXX. However for some reason they reported to XXXX that I have a remaining balance in the thousands so I disputed it. They " verify '' that the amount is correct and now they sent that same thing to all 3 bureaus and dropped my credit which is now directly effecting my finances. I have paperwork from them which states the debt was settled in FULL.
Consumer complaint received 2021-02-05
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: ROBINHOOD MARKETS INC. (IN)

On XX/XX/XXXX, I filed paperwork to initiate a brokerage account transfer to move from Robinhood to XXXX. On XX/XX/XXXX, I checked in with XXXX regarding some fees that I had nearly incurred. That issue was resolved. In the process of resolving that issue, I learned the root of the problem had been a fraudulent report from Robinhood that my account with them was negative and the balance needed to be resolved. This also led to Robinhood rejecting the XXXX request. 

Robinhood customer support has not been responsive and has claimed that the negative balance was an error, but has not resolved the problem.
Consumer complaint received 2021-03-29
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC (TX)

Hello - I was on auto bill with my utility provider XXXX XXXX XXXX XXXX. For the last bill, I guess they decided not to auto bill and I was not aware of this. They passed the debt to TransWorld with erroneous contact info. 

Transworld told me they tried to call a phone number that was not mine ( I have had the same phone number for over a decade, so unsure why or how ). They also sent a letter that went to my neighbor during the lockdown. It sat on her kitchen island until she found it cleaning one day. 

The day my neighbor delivered it, I called Transworld and paid the bill. In spite of never receiving notice of the bill, due to the poor business practices of the utility provider and TransWorld, I have a negative mark on my credit. 

Other than this incidence, I have NEVER had a delinquency on any bill. Even as this delinquency was on-going, I was paying credit card bills that were 50 times as large. There is no logical reason I would not have paid this, had they made me aware. 

I am now in the process of applying for a mortgage for a new home and this has dropped my credit significantly and will cause me significant financial harm. 

Can you help me get this removed? Also, what legal rights do I have to recapture the losses XXXX additional cost ) I will have due to their poor business practices?
Consumer complaint received 2021-02-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

XXXX ; XXXX  and Transunion should not be reporting each inquiry listed as a separate line item on my credit report for XXXX and XXXX, 2020. These multiple inquiries in are well within the 45 plus day shopping window that is typically allowed to check different lenders and find the best loans. Each of these inquiries are of like kind. They are not separate, individual entities. These inquiries should not have negatively impacted my credit score. Please remove these inquiries from my report. ( Please see page attached from my credit report. ) This false reporting of multiple inquiries is seriously harming my credit score. It is a violation of the Fair Credit Reporting Act to not report accurate information on my credit report. I have contacted the bureaus to fix this however, I have not been successful.
Consumer complaint received 2024-03-19
Product: Credit 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: DISCOVER BANK (NY)

I purchased a vehicle from out of state using two credit cards in XXXX of 2023. The car came and had several issues, and the check engine light was on and the dealership never mentioned any issues. Also the dealershipsent me picturesof the vehiclewith no scratchesor dent and when the vehicle came it had issues. I reached out to the dealership and tried getting the issues resolved but the dealership stop communicating with me. I reached out to my credit card and filed a dispute because of the misrepresented vehicle they sold me. The credit company said they found in the dealership favor. Now the dealership came and took the vehicle back from us. Called the credit card company and let them know and they said it's nothing they can do ... now the car was paid for in full with 2 credit cards. And I didn't owe for the car. I did not return the car, the dealership came and repossessed the car without my knowledge. The dealership still have my payment that I used with discover. Now I reached out to discover they said they can not dispute the payment. The dealership would have to refund me the money and it's nothing discover card can do
Consumer complaint received 2020-09-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (OK)

I have a chase card that had some XXXX  charges made on it while i was hospitalized from XX/XX/2019 to XXXX XXXX. My daughter was making my payments on my card when she noticed in XXXX that they was about {$2000.00} dollars or more charges on my Chase card, she the called Chase to notify them that they were fraudlent charges. The XXXX   customer representative said it would not be a problem because they have a zero liability fraud protection and i would not be held accountable for the charges. 
The representative cancelled the current card and credited my account the amount of XXXX charges to my account. A few months later they charged my card the charges again for XXXX and maxed out my card. I have spent months arguing with them that they were fraudelant and I m not paying another payment until they fixed ti. It finally got to the point I got tired of arguing with them and cancelled my card. 

My daughter spoke with XXXX at XXXX and she explained to her that they gave credit for all fraudelant charges back to chase and 4 XXXX XXXX cards. 

The last person I spoke with wanted me to prove I dont have an XXXX  phone which i have and XXXX  phone. 

I am a XXXX patient and Veteran and I can not afford {$300.00} a month per card. I live on a fixed income. 

All i want is for them to do is honor their zero liability fraud policy. And make the proper corrections in accordance so i can pay what i actually owe and my credit score will go back up because this has destored my credit.
Consumer complaint received 2017-12-19
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC. (MD)

I have a student loan now with Navient. they state that they only maintain the history of the loan payments for the last 50 months. They have reported the loan as negative on my credit report based upon information from XXXX. They contend nd that I did not make certain payments prior to XXXX XXXX, but do not have the information prior to that time. I have requested a complete history of the payments they are showing prior to the last 50 months and are unable or unwilling to provide me with the information requested. They sent me on a run around to XXXX XXXX XXXX XXXX who advised that they do not have the information and do not know where I can obtain it. I spoke with XXXX at Navient her ID number is allegedly XXXX XXXX and she was not helpful and rather dismissive
Consumer complaint received 2022-10-10
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)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 
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 an account without my written instructions.
Consumer complaint received 2023-02-24
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: EQUIFAX, INC. (OH)

I have hard inquiries on my report that are unauthorized on my report and need to be deleted immediately. 

Delete the inquiries listed below : 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 2021-02-11
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. (LA)

XXXX XXXX XXXX I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously
Consumer complaint received 2022-09-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

I deposited a check ( {$2200.00} ) drawn on a Bank of America ( B of A ) bill pay account into my checking account also at B of A via my phone. The check was credited and then debited with an explanation " unable to locate account ''. 

I was told to that the account # could not be read and to re-deposit it. 
The check was re-deposited at a teller machine at a B of A branch. Once again the check was credited and then the amount was debited to my account. 

Over the last seven weeks I have been on the phone with B of A ( both checking account area and the XXXX XXXX  area ) and spoken to at least 10 B of A associates.. They have also requested that the maker of the check join us at 2 different occasions. 

All agree that the funds have been withdrawn from the Makers account at B of A but have no t been credited to my account at B of A. 

After several unfulfilled promises to call me back, the problem remains uncorrected after 7 weeks.. 

In summary, the check has been debited to the makers account at B of A, but have not been credited to my account also at B of A.
Consumer complaint received 2020-09-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (TX)

I haven't been able to pull my Experian report online or recieve my credit score online since XX/XX/2020. I have had endless conversations with Experian with no results. I even have a membership with them. They said they would have their IT department call and email me and they never followed through. I need to know what my score and the information on my report.
Consumer complaint received 2021-05-24
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. (TX)

I am a victim of identity theft. Someone fraudulently opened a XXXX XXXX store credit card in my name. I spoke with XXXX XXXX who instructed me to file an identity theft report with the Federal Trade Commission. On XX/XX/2020, I filed an Identity Theft Report. I mailed the FTC report along with a letter asking the credit bureaus to remove the inaccurate information from my credit report. XXXX and XXXX removed the items but I have had to send several letters to Experian asking them to remove this item. I sent certified letters on XX/XX/2020, XX/XX/2020, and XX/XX/2020. This item remains on my credit report. I received a letter from Experian on XX/XX/2020. This letter says that the XXXX XXXX account has been deleted from my credit file. The XXXX XXXX account has not in fact been deleted from my Experian credit report. The fraudulent XXXX XXXX account is currently being reported as a closed/charged-off account. This item should be completely removed as per the Federal Credit Reporting Act, which states that consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. I have made several phone calls to Experian to no avail. Please look into this matter and hold Experian accountable. More than anything, I need this fraudulent item removed from my credit report because it is keeping me from obtaining credit and interfering with my livelihood. I have attached the following items : -Certified letter tracking receipts for letters sent to Experian . 
-A copy of my FTC Identity Theft Report. 
-The letter from Experian saying that the item was deleted -A copy of my current Experian credit report showing the XXXX XXXX account as a closed account which is negatively affecting my credit.
Consumer complaint received 2020-06-04
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. (AR)

My bank called me to inform me that there was a unknown charge on my account. They wanted to verify if it was mine and they were correct it did not belong to me. Later that same day I received a call from one of my credit card providers stating the same thing. I immediately knew my identity had been stolen, I got nine and made an account with XXXX XXXX and got a copy of my report. For years my name, birthday, and social security number was used to open accounts that are not mine. Please remove these items from my report. 
CHAPTERXXXXBANKRUPTCYDISMISSEDXXXX
Consumer complaint received 2021-05-05
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Direct Account Management (OH)

On XX/XX/2021 I was contacted by a third party company in hopes of a loan forgiveness program for my student loans. I was lead to believe this was a legitimate company that was going to help me with loan forgiveness. I was given documents to assume it was legitimate and give the amount of {$200.00} to be taken out of my bank account 5 months in a row.