davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-02
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO. (AR)

I have already filed a complaint on this and I get the same thing back they say they daily deal for XXXX. But they seem to fail to mention about the XXXX for some individual to state the fact that they sent all these different paper work invaded my privacy. But it doesn't matter it seems. So if I get run over it okay then it's should be fine for me to go to the whole social media and let everyone know what happened who was the ones who got to pull there weight around and from what I know have to worry about from all of this BECAUSE I CONSTANTLY CALLED AND WORKED WITH THEM AND THEY COULDN'T EVEN HELP US BUT THEY TURNED AROUND AND SOLD IT FOR XXXX. I AM WILL LET MY VOICE BE HERD. I AM NOT THE TYPE TO DO SO BUT I AM ADAD WHO NOW HAS A DAUGHTER WHO WANTS TO END HER LIFE GOOD JOB CHASE YOU WOULDNT EVEN TALK WHEN I CALLED YOU AND YOUR LAWYERS GAVE ME A RUN AROUND FOR XXXX DOLLARS. WOULD YOU SEND MONEY TO SOMEONE YOU CANT SEE WITH ALL THE SCAMS YOU ARE A HIPACRIT AND A FAKE. I WILL RETURN THE HELP YOU GAVE ME AND THAT IS A REALLY NICE THING FOR THE FUTURE IN BUSINESS. AND I KNOW IT DOESNT MATTER YOU COULD CARE LESS ABOUT BUT IF YOU GRAB A BULL BUY THE HORNS YOUR GON NA GET THE BULL. SEE YOU ON TV OR IN THE PAPERS. I LOST EVERYTHING
Consumer complaint received 2021-05-02
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: EQUIFAX, INC. (OK)

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 mental and financial distress, 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 2024-02-26
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. (MO)

Per the fcra as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given u written unwritten verbal and non verbal per 15 USC 6802. 
Upload to cfpb have u tried to remove : yes For inquiries use 15 USC 1681 permissible purposes : 16 cfr 313 privacy of consumer information.
Consumer complaint received 2022-01-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO. (GA)

I recently closed my business account at the end of 2021 because I am closing my business. For tax reasons, I needed to have access to all of my transactions. I went online to access old accounts but it looks like once an account is closed, it completely disappears from my online vieweverything. I have called customer service for assistance and have gone into a branch and they are telling me there is nothing they can do to provide me with digital/paperless copies of statements or an XXXX XXXX of all the business transactions for the year. 

It would have been nice to have been notified at time of closing that I would be losing access to everything related to the account so that I could plan for this.
Consumer complaint received 2019-03-12
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Unexpected or other fees — 
Company: Harpeth Financial Services, LLC (TN)

XX/XX/XXXX, I processed a payment to be applied to reduce the principle amount to help payoff the XXXX XXXX loan. I submitted the payment incorrectly within the online website and called the company to help allocate the funds to the correct fields. I was told that they are not able to do that and all of the money paid will go to interest. I stated that that is unfair practice to take additional payments and place them to interest. When I am a good customer who is already paying the monthly fees and interest. All of the funds I pay extra should go to the principle. I committed to paying XXXX XXXX XXXX but as I was entering the funds I typed in {$150.00} dollars in error so I went in to pay the other {$50.00}. They called my and said they still would not apply the {$150.00} to the balance to help me pay the account down. I don't think this is far as I tried to call them within 10 minutes of making the payment and they still will not move the funds to reduce the balance. They did not tell me to hold off on paying the total amount of {$200.00}. They refused to fix the money and say they are keeping the money for interest leaving me with the same balance and on the XXXX they will take the same interest as if I pay nothing. XXXX XXXX, https : XXXX # x. XXXX XXXX XXXX, XXXX, TN XXXX XXXX. This is a unfair practice. This company wants me to continue to be in debt and it will take forever to pay them off if they keep continue to limit my option. I called them right away to help and they said their system was not able to fix the issue. It is not fair to have application where you can not correct the payment within the same day/hours.
Consumer complaint received 2020-11-24
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (GA)

XX/XX/2020- initial dispute filed requested to investigate items that were never investigated. The company appears to " cherry-pick '' items to dispute. Consumer effectively requests investigation of all items requested in the letter. Failure to update the bureau to reflect item as under investigation and failure to provide proof as to how items are validated. 

XX/XX/2020- Second letter sent via mail to verify same items and bureau continues to ignore disputes sent by not updating credit bureau to reflect item as in dispute by consumer. As required by law. 

XX/XX/2020 prior information deleted and placed back on the bureau with different account numbers for the same account.
Consumer complaint received 2018-03-06
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (NY)

Equifax was contacted XX/XX/2018. It has been over 30 days and there has been no response. Notice was sent out via certified mail. Attachment was submitted in new complaint.
Consumer complaint received 2022-10-13
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)

To whom it may concern, Last year around XXXX I decided to take a look at my credit report and saw that there is a XXXX  XXXX Bankruptcy being reported. I requested verification from the credit bureaus and XXXX. When I disputed with the bureaus that the Bankruptcy was not accurate and that I didn't want to be susceptible to identity theft they ( I also sent an affidavit ) they responded that they verified and it was " accurate ''. However, when I received a response from XXXX they said they couldn't verify or find my information, mind you I did include my social security number. So how were the credit bureaus able to verify my information with XXXX?
Consumer complaint received 2021-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I pulled my Consumer report and I am deeply disturbed and ashamed of the things I saw on my report! you guys are reporting misleading, false, and inaccurate information which is clearly an FCRA and FDCPA violation. you guys have caused me to go into distress because you are reporting false/inaccurate information making it hard for me to move forward in life because I'm getting denied for things because of your false reporting.
Consumer complaint received 2018-12-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I have two Capital one Spark for business credit cards. I pay them in full on the day they are due, without exception. For the past 3 months, the day after my credit card is paid, they send me emails stating that I have to make at least my minimum payment. I call the number on the card and they tell me they did receive my payment in full. They can't figure out how to resolve. Meanwhile, every month I pay my account in full, they receive it on time and the next day I receive an email telling me I did not pay and I must make the minimum payment. 

I have talked several times to a lady at Capital one who claims to be with the executive branch of Capital one but she has not been helpful. She told me this was resolved, but it is not resolved. I don't know how anybody can trust this bank since they can't even keep track of receiving my payment in full. 
I just made a complaint with the Federal Reserve in XXXX. These people should not be allowed to be in the banking business.
Consumer complaint received 2020-07-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Regional Management Corporation (SC)

Regional Management Corp sold my charged off account to a collection company called XXXX XXXX XXXX. I have settled this account with XXXX XXXX XXXX and they have since removed it off my credit report. 

Regional Management Corp is still reporting on my credit report AND is still showing a balance.
Consumer complaint received 2021-05-27
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. (TX)

XXXX credit report is not accurate have been paying all my bills and clear all my debt yet my credit score refuse to go up XXXX credit report is violating consumer protection law my score keep going down foe now reason this is madness Transunion is doing the same thing violating consumer protection law
Consumer complaint received 2021-11-03
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Over the past year, I have been charged over {$500.00} in overdraft fees. My bank charges {$35.00} each instance. When I noticed that a lot of the overdraft fees were due to automatic payments that I was not familiar with, they tried to charge me an {$30.00} per account to stop payment.
Consumer complaint received 2021-04-29
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. (GA)

This statement serves as a request to remove the listed accounts and inquiries from my credit report because they do not belong to me. Im preparing for a purchase and while reviewing my credit report, I noticed several discrepancies. These items need to be removed from my credit report : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX. There are also several inquiries on my credit report that need to be removed : XXXX XXXX XXXX XXXX XXXX US SM BUS ADMIN XXXX XXXX/XXXX XXXX 

I've made a complaint with the FTC and attached it to this. I want to resolve this as quick as I can. Thank you.
Consumer complaint received 2019-08-21
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: First Advantage LNS Inc. (PA)

I was stayed in XXXX XXXX XXXX for almost like one year , i got another job offer in other place, then i told to XXXX XXXX that i will move to XXXX XXXX , not to break the lease they said yes. then later we moved to another property near my job location and XXXX XXXX called me threatned me discriimated by saying that i will face so many problems in new place, i have that phone recording too. i am staying with my wife and XXXX year old son, potentially they are tried to scare me and they shown hated crime . i said i am not supposed to pay anything. XXXX XXXX  did some polictics because we left the new place with in one month we lost almost like XXXX$ advances and transporation. and then we took another apartment which reuquire to pay more advance and monthly rent . and then i received an email and a call from XXXX XXXX - XXXX XXXX saying that i need to pay XXXX$ to XXXX XXXX , they posted a collection debt on my credit report , they are potentially threatning me and showing XXXX  crime.
Consumer complaint received 2019-03-12
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. (NV)

I plan to get married soon, and a friend of mine helped me pull my credit report. And I swear the are accounts/collections list that i have no clue about. Please assist me in removing this items from my report, so I can move on in life in a positive way. 
All of the items will show on my attached FTC report. 
Best Regards, XXXX XXXX
Consumer complaint received 2018-03-06
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. (AL)

I contacted experian about reporting a bankruptcy on my credit file. I spoke the bankruptcy court, they informed me they never received a request from experian. Experian is reporting incorrect information on my file. They used second hand company to get incorrect information. I never filed a bankruptcy, I sent a letter to experian asking them to remove all incorrect reporting. They sent a letter back stating verified.
Consumer complaint received 2021-08-15
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY (TX)

On XX/XX/XXXX, I became aware that there was a new Wells Fargo checking and savings account that were part of my online account. I did not authorize those accounts to be opened, and given Wells Fargo 's track record with opening unauthorized accounts, I immediately reported it to them. They've indicated it's going to take 2 weeks to investigate. And meanwhile, they've apparently locked me out of my online account access.
Consumer complaint received 2020-11-05
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Professional Credit Management, Inc (AR)

Professional Credit Management continues to violate the Fair Debt Collection Practice Act by continuing collection efforts after being notified this debt never belonged to me and attempting to collect on Medical Debt in the state of Arkansas after the statue of limitations has expired per ( A.C. A. $ 16-56-106 ) Debts incurred for medical services have a statute of limitations of 2 years from the date the service ( s ) was rendered or from the date in which the most partial payment was made ( A.C.A. 16-56-106 ). These actions are clearly a violation of my consumer rights and Professional Credit Management must be held liable for their actions.
Consumer complaint received 2018-03-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: REGIONS FINANCIAL CORPORATION (TN)

On XX/XX/XXXX I went in person to a Regions branch to file a dispute associated with my checking account. That representative did not properly file the claim. I called Regions by phone XX/XX/XXXX and spoke to a XXXX XXXX who stated she would reopen the claim and asked me to send additional documents which I did. On XX/XX/XXXX I called to speak with XXXX again but was told she was not there at all that day and she in fact did not reopen the claim. That person claimed HE would reopen the claim. On XX/XX/XXXX I went into a XXXX FL branch and spoke with a XXXX XXXX about my claim. She did not offer any explanation regarding my disputed claim. I asked why ANOTHER {$36.00} fee was added on. She stated it happened due to a transaction for {$1.00} being held back and then put through when there was no or low money in the account. The fees are now up to {$210.00} related to this XXXX XXXX disputed claim in the amount f {$330.00}. My total loss is {$550.00}.
Consumer complaint received 2019-03-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I attempted to payoff my account using the mobile app on XX/XX/XXXX for a total amount of {$9100.00}. The payment was returned. I contacted Capital One and they informed me that my financial institution, XXXX XXXX XXXX XXXX, did not recognized the payment since XXXX XXXX was under my husband 's name. On XX/XX/XXXX, my husband reached out to Capital One and XXXX XXXX and provided permission for the payment to be completed. Again the payment was returned stating that the incorrect account number was provided. I confirmed with XXXX XXXX that the account number was correct. I submitted another payment via the mobile app on XX/XX/XXXX for the amount of {$9900.00}, which is the total payoff amount. That payment was returned because Capital One processed the payment incorrectly. On XX/XX/XXXX, I spoke to a representative over the phone and they reached out XXXX XXXX, at which point the XXXX ( XXXX XXXX representative ) explained step by step how to process the payment. 
I was happy that the payment finally went through. I logged on to see how many reward points I received and that's when I realized that Capital One 's Fraud department closed my account. XXXX XXXX wrote a letter to Capital One explaining the error. Capital One promised to review the case and get back to me within 3 days. It has now been over two months with no follow up. I finally called them back and they stated that their decision to close the account stands. I paid my account in full and they closed my venture card, without allowing me to utilize my rewards. They received a letter from my other financial institution stating that this was an error on both bank 's behalf. I have never been late with a Capital One payment and have always been in good standing. XXXX XXXX has even wrote in the letter that the funds have always been in the account. I would appreciate any assistance in helping me have my Capital One Venture card reopened along with my rewards reinstated.
Consumer complaint received 2019-10-22
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Finance Company, Inc. (FL)

This debt does not belong to me it belongs to my brother who has the same last name and same date of birth as well as close to the same Social Security number but one digit different. I want this account removed from all credit bureaus to include XXXX, XXXX XXXX, and XXXX  immediately. I also have received numerous harassing messages in the past related to this debt. I am seeking legal help and in the process of hiring attorney to sue for damages if this account is not resolved immediately.
Consumer complaint received 2022-04-28
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: T.S. Holdings (MD)

IQ Data international XXXX XXXX ) has Been calling me to collect a supposed is a supposed ode amount from my don't from my previous residential residential buildings management. I have been trying to set up a payment plan but have been told that if I don't make a payment in full they will well damage my credit score. I've been hung up on several times.. Today I received a call and once again tried to set up a payment pla payment plan but was put on hold twice and hung up on.There 's no way it's legal for them to report delinquent payments but not accept my phone calls in order to try to pay. I'm I have called at least 10 2 day and left voicemails.
Consumer complaint received 2019-03-12
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: TD BANK US HOLDING COMPANY (FL)

TD Bank has refused to close my checking account for almost three months. I opened the account online. I have never been to a TD Bank branch. I called their customer service number to close the account on or around XX/XX/XXXX. I was told the account would be closed. In early XX/XX/XXXX, I received a statement in the mail. The account is still open and has been charged two monthly service fees since XX/XX/XXXX. I called their customer service number again on XX/XX/XXXX. I was told they could not close the account and that I needed to contact my " local branch, '' despite the fact that I have never been to any TD Bank branch. I called the local branch at the number I was provided. The local branch refused to close the account. First, they told me to call the customer service number. Then, they told me to send a letter to a post office box in Maine. Neither the representative at the local branch nor at the customer service number could explain why my account was still open or why they were unable to close it.
Consumer complaint received 2022-08-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: Atlanticus Services Corporation (PA)

I applied to FORTIVA CREDIT CARD company and they have committed adverse action against me by denying me credit based off of my income as well as my history of use of credit. I was discriminated against by FORTIVA CREDIT CARD company. They utilized my credit without my authorized use in order to communicate with 3rd parties. I exercised my right to credit in good faith and was denied. This is a violation of my rights as a consumer pursuant to the Equal Opportunity Credit Act codified in 15 USC 1691c, 15 USC 1692K, 15 USC 1691, 15 USC 1642, USC 1681M, 12 CFR 1002, 15 USC1681N, 15 USC 1681O, 15 USC 1602F, 15 USC 1602G, 15 USC 1602L, 15 USC 1602P, 15 USC 1691A3.