davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-24
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (MA)

On XX/XX/2021 i sent a formal 609 letter disputing many inaccurate accounts to XXXX, XXXX, and Experian. It has been well over 30 days and I have yet to receive any correspondence or updates from any of my inquiries
Consumer complaint received 2021-01-31
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

on monday XX/XX/21 someone accessed my XXXX  prepaid account at an atm and removed $ XXXX they did this without the use of my atm card without my pin number.nobody has my info or acess to it I do not make reckless or irresponsible on line purchases .there can be no evidence I was involved somehow. But somehow bank of america has determined without any evidence I am a thief and have made me liable for this loss .How can this be legal.
Consumer complaint received 2019-06-10
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (FL)

Chase bank discrimates against XXXX XXXX because of XXXX, if you dont look XXXX or have an accent they ask if you are a us citizen, they made us wait over and hour to try to add my wife to my account and then said they couldnt do it because I didnt have my XXXX XXXX despite I had turned that in when opening my account. I had my drivers liscense and other IDs and wouldnt do it. When my wife made a cash deposit at the drive through they rejected her deposit because she wasnt on the account and returned {$200.00} less then what she sent in.
Consumer complaint received 2020-01-21
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: CITIBANK, N.A. (MI)

XX/XX/2019 I was charged twice for a meal at XXXX XXXX restaurant. 
Charge one - {$110.00} ( did not include tip ) Charge two - {$130.00} ( included tip ) I'm accepting the charge of {$130.00}. I'm not accepting the charge of {$110.00}. 

I disputed the charge with Citi and they have denied it several times. I did as Citi requested me to do, I contacted XXXX XXXX months ago several times. They stated each time verbally that they do not have record of a {$110.00} charge only {$130.00}. I have since requested them to put that in writing and will attach that to this dispute. 

I previously reached out the to CFPB case # XXXX-XXXX. Citi denied it. XXXX XXXX sent a letter with no email and the phone number that was provided was never answered and does not have a VM. I have included the documentation.
Consumer complaint received 2021-11-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (TX)

I bought a truck back in XX/XX/XXXX and leased it to XXXX XXXX for monthly payments also in XX/XX/XXXX. While the truck was leased, I was in charge of making the monthly payments on the truck which I did religiously until XX/XX/XXXX. The truck was involved in an accident on XX/XX/XXXX. After the accident, I reached out to my insurance company and followed due process and filed a claim. The insurance company acknowledged the receipt and creation of the claim and told me they would go on to handle the case with the lien holder ( Wells Fargo ) and pay off the truck. After they assured me of that, I continued to follow up with them and they kept telling me the same thing that they were in contact with the Lien holder and would handle it. I reached out to the lien holder as well and told them what was going on. Sometime in XXXX I received a notice from the lien holder saying the said truck was in their possession and they planned to sell it soon if I didnt make a payment of {$2100.00} for reinstatement. Immediately after I received that notice a repossession claim had already been filed on my credit report and it adversely affected my credit score. When I received the notice saying my car had been repossessed, I was very shocked. I reached out to Wells Fargo to explain what was going on and that the insurance had assured me they were going to take care of the issue, and thats when I learnt from Wells Fargo that the insurance was hesitant to pay off the balance of the truck like they had earlier promised, hence why they repossessed the car. I was surprised, but I went ahead and paid the reinstatement fee and got the car back from them and continued making payments on a truck that was damaged up until XX/XX/XXXX. I reached out to the insurance company and told them every thing that was going on from the repossession to my credit being damaged and they were reluctant to fulfill the claim. I had to get my lawyer involved before they finally decided to pay attention to my case and try to get it resolved. Eventually, they sent an agent to assess the truck and on XX/XX/XXXX, they sent a check to pay for the truck. All this is to say that the repossession on my credit wasnt my fault by any means and was out of my control so I would like it to be taken off. Im attaching evidences and can send more evidence if needed.
Consumer complaint received 2024-03-26
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION (WA)

On XX/XX/2024, on my credit score report, I observed there to be an additional account that was opened in my name. I checked it and observed it to be with Capital One. The account was a Credit Card with a {$10000.00} limit. I never opened an account with Capital One, nor have I ever looked into opening an account. Recently I received an email from Capital One saying the account was opened, but it was going to be closed due to a lack of information being verified. I contacted Capital One fraud line and was transferred twice. It was confirmed that an account had been opened in my name, but it had been closed already and no money had been stolen. They advised an investigation will be opened and advised I filed a report to the FTC. Upon doing so I was redirected to this website. At this time it is unknown who may have opened an account and where my information was leaked or stolen from.
Consumer complaint received 2018-07-26
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (NJ)

Recently I was a victim of a scam from a " XXXX XXXX '' for a rental of a property at the New Jersey XXXX. I initiated a wire in the amount of {$1800.00} to a XXXX XXXX XXXX account of an individual named " XXXX XXXX ''. I became suspicious as soon as my funds were sent and then contacted Chase Bank 's wiring department to have my wiring " recalled ''. Based on recall, I received an message requesting a " hold harmless Letter '' since the account is under a investigation by the XXXX XXXX Crimes Compliance department. I have also reported that this fraudulent situation to my local police station. According to XXXX, I need to have my bank XXXX  CHASE XXXX  issue a " Hold Harmless Agreement '' or obtain a seizure warrant to retrieve my money. I have coordinated with my banks corporate office and they have concluded that they will not provide the Hold Harmless Letter to help me retrieve my funds. I have also coordinated with my local police department and prosecutors office and they are also not able to issue me a seizure warrant. I have a complete email transcript and other supporting documents that substantiate that I was a true victim. According to the detective who contacted XXXX investigative unit, the scammers account has been locked down with over 20 wire transactions that has been tied up in the investigation. There is also an XXXX article cited the same individuals with the same scam. I'm just a civil servant working for the XXXX with XXXX kids in college and need my funds back. Please email me at XXXX or call me at XXXX
Consumer complaint received 2021-05-03
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (CA)

On XX/XX/XXXX, my credit was run in order to be approved to refinance my house, I was told that I had a 30 days late reported by Macy 's XXXX XXXX card, ( XXXX ). The charge in dispute is a {$23.00} made in XX/XX/XXXX. I did not made this purchase, I called Macy 's customer service, an operator by the name of XXXX answer the phone and promised me the following, order a new Macy XXXX XXXX XXXX Card, refund the {$23.00} back to my account and start an investigation that would result in removing the 30 days late from the bureaus. The first two promises were kept but the investigation, according to XXXX on a subsequent call made today, was not started. She mention that I hadn't file a complaint with their " Fraud Department '' myself. I was told by her that she was going to start all 3 process she promised. Finally I spoke to XXXX at the " Fraud Department '', who mentioned that there was an investigation on the way but not finished, I could take up to 3 months to finish. Until then they would report the Credit Bureaus, if the dispute was declare valid. I am being affected by this mistake and the time they take to resolve it. I am requesting your help on getting an answer from Macy 's. 


Thank you
Consumer complaint received 2017-12-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BARCLAYS BANK DELAWARE (KS)

I was contacted by XXXX XXXX XXXX collection agency. Said agency made numerous violations of the Fair Debt Collections Practices Act, TCPA, and Fair Credit Reporting Act. I subsequently entered into a settlement agreement in which I agreed not to file suit for violations of said Federal Statutes as well my rights under the Kansas Consumer Protection Act they agreed that XXXX XXXX would remove any and all credit reporting for a lump sum payment. Said payment was made on my part over a year ago and they continue to report to my credit bureau as a charge-off account despite the agreement made by their collection agency in agreement for me not to file a civil action against both the collection agency and XXXX XXXX. 
Said actions are in direction violations of state statutes K.S.A. 50-623, K.S.A. 21-6503 and federal statues 18 U.S.C. 1030, 15 U.S.C. 1692e.
Consumer complaint received 2021-11-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Shellpoint Partners, LLC (NC)

I filed atleast 10 complain since XX/XX/2021 about same issue that Credit bueros reporting late payment of my one mortgage with Shellpoint newrez mortgage account # XXXX .. this case is going on since XXXX and Shellpoint says they never reported to credit bueros and XXXX says shellpoint has reported it. 

1. I am attaching credit report here - where negative report is appearing 2. I am also attaching shelpoint letter where they mentioned they never reported. so who is lying here, either shellpoint is lying or XXXX and XXXX is lying. 

If shellpoint never reported negative report then who has reported and why credit bueros showing it on report
Consumer complaint received 2018-07-26
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. (IL)

Upon dispute with XXXX XXXX acct # XXXX due to identity theft XXXX XXXX   have failed to provide me with proper verification of any sort. not only have they failed to provide me with proper physical contracts bearing proof of signature and payments they have also reported different balances and dates of last payments to each credit reporting agencies XXXX, XXXX   and Equifax. this is very harmful and suspicious for a company with such reputation. i've attached the different inaccuracies and again a letter with information I wish to be verified and copy of my local police report for deceptive practices. this account does not belong to me. all accounts on my credit file has been paid with great integrity to revive my good credit history. i ask that this negative rating be deleted from my credit file upon their 90 day investigation as written. its unfair to me as a consumer.
Consumer complaint received 2023-03-02
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Eastern Account Systems of Connecticut, Inc. (OR)

I noticed a collection had been placed on my XXXX credit report on XX/XX/XXXX in the amount of {$71.00} for a debt with Eastern Account System , Inc. Since I had never been contacted by this company in any form and had never done business with or even heard of them, I assumed this debt was incorrectly assigned to me and I contacted XXXX to have it removed from my credit report. XXXX responded on XX/XX/XXXX that they supposedly investigated and claimed that the debt was valid and mine. 

I then contacted Eastern Account System by phone on or about XX/XX/XXXX to inquire. They claimed that the debt was from an unpaid medical bill from XX/XX/XXXX and that the original creditor was XXXX XXXX and XXXX XXXX. I responded that I had paid all of my bills with them on time and had never received a notice about an unpaid bill. They said they would investigate and get back to me. I contacted them again a few days later to say that I had proof of the payment of the bill from a charge on my credit card statement from XX/XX/XXXX in the amount of {$71.00}. They again said that they would investigate and get back to me. After not hearing anything from them for 3 weeks, I called again and they said that they hadn't heard back from the original creditor, but that they would contact me within the next week. To this day, more than 45 days from my original call, I have never heard back from them in any form. 

On XX/XX/XXXX I filed a new dispute with XXXX explaining the situation in detail and providing the credit card statement ( also attached to this complaint ) showing that the debt had been paid on XX/XX/XXXX. Yesterday I received a new response from XXXX stating again that the debt was valid but providing no other information.
Consumer complaint received 2018-07-26
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I received a call from XXXX and XXXX stating i owe money from XX/XX/XXXX. and that they send me a letter but i never received any such letter, so what are my option am over sea in the military and i cant take care of this matter.
Consumer complaint received 2018-07-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (CA)

I had a American Express platinum and the company got my information illegally with my social security.We are receiving promotional applications like 5 days a week me and my wife told the company stop sending the pre-approval letters they still keep sending the them.I called multiple times they keep being unprofessional.I believe this is a data breach .Because retrieved the information from my social security number.I spoke to a rep on the phone going back and she they can not stop sending the marketing material.I am in a community property state so if I am asking stop sending to stop material it means stop.Reps were being unprofessional kept hanging up the phone and transferring to different departments not getting things resolved.
Consumer complaint received 2017-12-18
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: ALLY FINANCIAL INC. (CA)

Unknown inquiry on my credit reports from Ally Bank XXXX/XXXX/XXXX ... I have NOT authorized verbally, physically, or electronically any application, nor requested credit, or any account by this organization! Nor do I know who they are. Also, I have a identity theft report filed with my local police department.
Consumer complaint received 2017-12-18
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: BARCLAYS BANK DELAWARE (NC)

On XXXX XXXX, I mailed two checks to XXXX XXXX XXXX to pay off my loan. One check was from my personal checking account and another check was from my credit union which loaned me the money to pay this loan off. On XXXX XXXX, my payment was due and they had not posted my payments sent via the mail so I made my monthly payment. On XXXX XXXX, my personal check cleared the bank but was not posted on my account and showing on the website. I started calling in late XXXX since they now have {$120.00} extra dollars along with the payoff. They claimed they could not find my checks. They created a case ticket - XXXX. They claimed then that it may take 10 days to locate the checks. They needed to research. I have called numerous times since then and they give me a different total on the days it takes to find my checks which they have already deposited on XXXX XXXX. On XXXX XXXX, I got a copy of both checks front and back showing they had deposited and faxed to XXXX with my case number. I called last week and they have found the checks but it can take 45 days to post these to my account. Another payment is due on this account and interest is piling up. I need someone 's help - they are not posting my checks and giving me my extra {$120.00} back. I do not plan to send them another payment. They acknowledge they have my checks but refuse to post them on my account. I tried to call their complaint line and it sends you to another division and they do not even have my records. Thank you for anything you can do to help.
Consumer complaint received 2018-04-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (NY)

Hello, I am the holder of a Chase XXXX XXXX XXXX XXXX  Account. The account was opened using the tax ID of my business and a credit check using my social security number. The account was opened in XXXX and had a limit of {$5000.00}. 

I used the card a lot - but paid consistently over the past almost 4 years, paying hundreds of dollars off. 

In XX/XX/XXXX I was out of the country on business. Chase tried to contact me when the account was over 30 days past due. When I got back, I called them to set up a payment arrangement to get back on track with payments. 

The first payment did not go through. Chase claims the funds were not available - but they were. Payment was for {$150.00} - I had over {$7000.00} in my other linked account. Usually chase will post the payment then I transfer the funds over. In fact - they ALWAYS do this. This time, they did not. 

Instead when I called them they claimed the payment was presented 3 times. I was not made aware of this by chase. If so I would have immediately transferred the funds over to cover the payment. 

The second payment of the arrangement went through, but by then it was too late. Chase closed the account ( I STILL have not received a formal letter or email informing me of this ) instead I found out when my credit score went down over 100 points because they reported this business account to my personal credit report. 

I believe Chase is TOTALLY in the wrong about this. Their failure to communicate is unfair and unjust. My credit report - which has high balances held for a period of time but accounts are paid on time always ... went from close to a XXXX to a XXXX in one day. Also, because the account is now closed if I did want to pay off the entire balance and use it for my business again, I can not.

I have been banking with Chase for over 20 years. I am shocked at this treatment by them to a loyal customer who has banked thousands with them over the years. 

-XXXX XXXX
Consumer complaint received 2020-09-03
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: FIRST CITIZENS BANCSHARES, INC. (GA)

I opened a new free checking and savings account on XX/XX/2020 with First Citizens Bank. I signed up through a promotion that stated I would earn a {$300.00} bonus by making 10 debit card transactions and enroll in eStatements. I have met these terms as of XX/XX/2020. The bonus terms stated that the {$300.00} should be paid out within 120 days. As XX/XX/2020, the bonus has not been paid. I contacted the bank through secure messaging on their website on XX/XX/2020 requesting when the bonus would be paid, but they have not answered my question. I am now filing this complaint on XX/XX/2020 to seek a resolution.
Consumer complaint received 2018-04-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Aspen Yo LLC (IN)

The company XXXX XXXX sent me a letter stating that they will no longer be collecting funds for escrow to pay for hazard insurance. I received the letter on XX/XX/2018 and called them the same day. While I was speaking to them I asked if standard home owners insurance is considered hazard insurance. The person I spoke with stated yes it is. I asked the representative is insurance that covers floods would still be paid through escrow and the representative stated yes it would be. As of XX/XX/2018 they have sent me a check for some of the funds from the escrow account.
Consumer complaint received 2018-04-07
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

CRA/HIPPA VIOLATION NO KNOWLEDGE OF FRAUDULENT ACCOUNTS DUE TO ID THEFT APPEARED ON MY TRANSUNION CREDIT REPORT. FTC ID THEFT REPORT # XXXX
Consumer complaint received 2017-12-18
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 am unaware of the inquiries your company listed on my credit file. I have attached a letter in the file section below along with pictures showing the inquiries. It came to my attention that your company is reporting inaccurate errors on my credit file. I am in distress and I feel violated as a consumer that your company is reporting such information in my credit without me knowing this was going on. Pleas read letter in the files section. 

Sincerely XXXX XXXX