davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-11
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (TX)

On the XXXX of XXXX, the Chase bank allowed a random individual to come in and withdraw a majority of my money out my savings. XXXX in savings was withdrawn from my account through the teller and a ATM withdrawal. I made a police report, called the claims and fraud department multiple times, and went to the bank twice to sign the necessary paperwork. Their investigations continue to be closed. A detective is currently investigating the crime that occurred. I have rent and bills to pay so, I need my savings back. It is not fair that I am not the one to blame for this incident. They allowed someone to come and take all my savings. They didnt send me a text notification, they didnt ask the individual security questions, and they did not check the name on the card.
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. (OH)

I wrote a letter to the Dept of education and to aidvantage about why they have my loan information on my credit and consumer reports without my written consent. At the time of applying and accepting the loan for college courses I was NOT notified about this showing up on my report nor was this made clear to me this would occur. They violated the law and do NOT have permissible purpose to share this information to the consumer reporting agencies. I've requested for the proof of permissible purpose given and they could NOT provide and with each letter I sent them they wrote back saying there wasn't enough information provided which doesn't make sense.
Consumer complaint received 2016-12-17
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Receivables Outsourcing, Inc. (NY)

I XXXX XXXX believes that the Fair Debt Collection Practices Act is being violated with a collection on a medical debt that has not been proved with true copy originality submitted to me. Secondly, in 2015 the Consumer Financial Protection Bureau worked out an arrangement with the national credit bureaus such as XXXX, that a 180-day notice would be submitted to validate a medical debt, and that the debt would not be posted against a person 's credit report until the 180-day notice expired, thus giving the consumer the ability to have his/her insurance pay the claim or satisfy the claim by other means. This collection is not only a violation of the FDCPA but of the Fair Credit Reporting Act as well. The collection must be erased from my credit profile immediately, and if this collection is valid, a complete attachment of documents must be submitted along with the transfer of either ownership or power of attorney to collect the debt if indeed it is valid. Therefore, this account must be deleted immediately and permanently!!!
Consumer complaint received 2016-11-03
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (FL)

I co-signed with my mother on a loan for a trailer. It was only XXXX loan at XXXX per month we have only managed to pay XXXX toward paying off the mortgage in 19 years. This mortgage company Greentree has switched their name a number of times over the years by my estimate we have paid close to XXXX XXXX, I do not see a light for my mother at the end of the tunnel, I really feel that we have been done wrong here. I feel that its my duty to say something for my mother, Thanks XXXX XXXX XXXX
Consumer complaint received 2015-08-03
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Credit Protection Association, L.P. (FL)

There is a unknown account and charge listed which looks very old also. No verification has ever been given. I have disputed this with no outcome and requested validation with nothing given. Please help assist me.
Consumer complaint received 2016-09-27
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NC)

attempted to settle for less than balance due approx. 6-7 weeks ago. usaa refused my offer & ended negotiations. I asked if there was a waiting period to call back to attempt to settle again. customer service rep stated no. I called back yesterday for the first time since my original attempt & rep refused to speak with me stating I was n't eligible at this time. I asked what that meant, rep refused to disclose reason. I requested supervisor & was refused. I warmly disconnected, called back to reattempt to find out reason I could n't settle, & a second time I was told the same thing. I requested a supervisor call me back, I still have n't heard back. My complaint is I 'm trying to settle debt and usaa refuses to speak with me about it. I do n't understand why as there is no pending litigation & no cease & desist order in place.
Consumer complaint received 2017-05-23
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NCC Business Services, Inc. (FL)

TODAYS DATE :  XX/XX/XXXX  ATTENTION DISPUTE DEPRATMENT : NCC BUSINESS SERVICES  XXXX  #  XXXX   XXXX   XXXX  SS #  XXXX  DOB  XX/XX/XXXX  ADDRESS  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , FL  XXXX  Your company have violated FCR A 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 pers on ( c ompany ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under secti on 1681c-2 of this title h as resulted from identity theft.     ( 2 ) 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 -- ( 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 NCC    BUSINESS SERVICES ACC #  XXXX  I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company  Example In re   XXXX   XXXX   XXXX ,  XXXX  Telephone Consumer Protection  XXXX  Litigation, Case No.  XXXX , in the  U.S. District Court fo r the  XXXX   District of California Stop c ollection proceedings against me Signatures on applications and accounts Investigators report  XXXX   XXXX  SS #  XXXX  DOB  XX/XX/XXXX  ADDRESS  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , FL  XXXX
Consumer complaint received 2016-09-29
Product: Bank account or service — Savings account
Issue: Deposits and withdrawals — 
Company: MB FINANCIAL, INC. (CA)

On XXXX XXXX, I received a letter from MB Financial Bank that was dated XXXX XXXX. This is relevant because it was time-sensitive. I was given 30 days from That date to respond. The letter was regarding Unclaimed Funds / Property that was due me. They asked for verification of my address and last four digits of my SS #. On Monday XXXX XXXX, I called and spoke with Customer Service, as well as a woman IN the XXXX department where the letter originated. I was assured that upon receipt of verification of my information and copy of State ID, that I would indeed be sent the check. I sent all info in the envelope They provided with their address including Dept. name XXXX. I know it was received. I called this morning to inquire. They would not speak to me, but Through Customer service, Denied they had even heard of me. The information I sent also included my phone #, e-mail address, and foolishly, a copy of my SS card .Customer service said they would " call me ''. I was ON the phone! why would they not only deny knowing anything about the letter, but not have the courtesy to speak to me. Tomorrow will be 30 days from the date of MB 's letter. I do n't want them claiming I did not respond in time. And shared this concern with the customer service woman., who assured me she would make sure that would not happen. She seemed as baffled as I am. In my conversation with the woman in XXXX on XXXX XXXX, they even told me where, locally, I could pick up the money. It had been sent, along with other deposits to a local Check Cashing store. Before I sent the information, I brought the letter to the store. They said the check was returned quite some time ago, and the bank should send it to me. In MB 's letter, was also included the ck. #. THEY contacted me, so why now are they denying all of this.?
Consumer complaint received 2016-03-08
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: Northstar Location Services, LLC (FL)

I sent a cease and desist of telephonic communication on XXXX XXXX, I did NOT make any promise or pledge to make any payment arrangements. They sent me a letter lying about my communication to them and stating that I had made an agreement to pay them. This is a violation of the FDCPA.
Consumer complaint received 2015-12-06
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

Portfolio Recovery Associates called my employer in an attempt to recover a valid debt, causing me stress, embarrassment, and conflict at work. They are also calling me about an invalid debt that I do not own as well. XXXX is very deceitful and ruthless -- after careful review of my credit report they are reporting as a " factoring company '' which is one who buys corporate receivables at a discount not a XXXX dealing in uncollected bad debt. This is illegal.
Consumer complaint received 2016-09-28
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: CAPITAL ONE FINANCIAL CORPORATION (ME)

XXXX is attempting to collect debit on a Kohls card. The principal is {$29.00} and they are trying to collect {$280.00} and or settle for {$170.00}. I told them i am willing to pay what I owe in principal and some late fees. We had moved and Kohls only attempts to notifiy us was by way of postal mail. XXXX agent is very rude and made comments regarding my personal financial state outside of the debt they are trying to collect. Stating that we are probably paying high car interest rates as well because we do not pay our bills. The status of my other bills are not their concern nor should they comment on them. This is clearly a game they play which needs to be fixed.
Consumer complaint received 2024-03-11
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NC)

On XX/XX/year> I filed a dispute with USAA for a transaction made by XXXX XXXX XXXX, a company which is currently engaged in fraud by taking customers orders and not sending the product. After filing this dispute, USAA requested more information in addition to the information that I provided over the phone. USAA wanted an invoice of the product even though I had explained that no invoice was provided. I had already attempted to contact the business numerous times to resolve this issue before filing this dispute with no answer. USAA abruptly closed my dispute and reversed the credit from my account with no correspondence or explanation either by phone, e-mail, or in the app. After several calls to USAA I provided a letter detailing the steps that I took to try to resolve this with the business including detailed reports of other victims of fraud. It was readily apparent to me that USAA neglected to act on behalf of my interests during the dispute by failing to contact the vendor. I have requested to speak to the investigating officer with no return call from USAA. They have apparently quietly opened the investigation again but there has been no explanation to their failure to investigate this matter thoroughly.
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: SYNCHRONY FINANCIAL (AZ)

Enclosed with this letter, please find a copy of Form 1099-C ( XXXX XXXX  ) issued by SYNCHRONY FINANCIAL for the canceled debt associated with the aforementioned account. The canceled debt has been reported to the IRS, and I have retained this form for my tax records. I kindly request that you remove this account from my credit report as it is causing significant harm to my creditworthiness. This negative reporting is particularly detrimental to my ability to acquire housing, as it affects my credit score and financial standing. Per guidelines outlined by the Consumer Financial Protection Bureau ( CFPB ), I am entitled to accurate and fair credit reporting. Given that the debt has been canceled and properly reported to the IRS, its continued presence on my credit report is unwarranted and misleading. I would appreciate your prompt attention to this matter. Please investigate and remove the inaccurate reporting in accordance with the Fair Credit Reporting Act ( FCRA ) and CFPB guidelines. Should you require any further information or documentation regarding this request, please do not hesitate to contact me at XXXX or XXXX. Thank you for your cooperation and assistance in resolving this issue. 

Sincerely, XXXX XXXX Enclosure : Copy of Form 1099-C ( Cancellation of Debt ) - XXXX XXXX
Consumer complaint received 2016-08-16
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

Capital One-I had an account with them years ago. I paid it off and asked them to close the account. They instead sent me a new one with an annual fee charge. I asked them remove that and close the account. They said they did-I had already cut up the card. Much later, I received a bill and it had XXXX charges on it. I did n't make those charges. I have sent them a registered letter and spoke to a few people. I get calls daily-I do n't answer them. I tried calling the fraud department and all they do is send me to collections.
Consumer complaint received 2017-03-07
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: CAPITAL ONE FINANCIAL CORPORATION (TN)

XXXX contacted my parents at XXXX one morning, if that was n't enough. This past Sunday my family tried to contact me on my cellular phone, XXXX though, but instead they reached XXXX. I called them directly and spoke with the XXXX, but he wanted to play XXXX about forwarding my phone directly to his company 's phone. I then contacted XXXX my phone carrier, but they acted oblivious to my inquiries on how this were to occur. I was very upset because I just renewed my contract on XX/XX/2017
Consumer complaint received 2024-03-09
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: TransferWise Ltd (CA)

I got a request from my XXXX friends name to transfer XXXX INR/ {$190.00} for a medical emergency. It was early morning and dint pay really attention as my friend seeking help for medical emergency. I transfered money using wise app to his XXXX account. Kindly help me with refund
Consumer complaint received 2020-06-01
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (MI)

I got an email from Chase saying that my number has been deleted. I tried to log into my account on the Chase app to see what's going on. The app tells me that my account has been restricted for " suspicious activity '' and prompts me to call a number.

I made sure the number is legitimate and called. The fraud department of Chase said they restricted my account and they're about to close it and the decision is irreversible. I called about 10 times and talked to 10 different employees, and even went to the local branch, none of them know why Chase closed my account.

They also said I can never open a Chase checking account again and I'll receive the money via mail within 20 days. I have absolutely no idea why they would close my account or why they wouldn't give me a reason as to why they closed it.
Consumer complaint received 2017-05-23
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: General Motors Financial Company, Inc. (OH)

My lease is throu gh GM Financial. I t ook it out in  XXXX ,  XXXX . All payments have been made on time. At the end of  XXXX  i discovered a payment made on  XX/XX/XXXX  for  XX/XX/XXXX  due date was missing. I contacte d GM Financial an d they stated to fax in a copy of the cancelled check and remittance coupon which i did on  XX/XX/XXXX . I had n't heard back so on  XX/XX/XXXX  i called and was on hold for ove r 30  minutes. They said further research was required and would call me back. As  of 24 hou rs later I have n't heard back so I called again. As soon as i called the lady indicated rep yesterday was supposed to escalate this and she did n't so she will need to put me on hold and escalate this. I have {$75.00} in late fees that should be waived and I really hope this is not reported to my credit as late since i 've never made a late payment. I call them again and just put on hold. They cashed the check the day they received it, but getting them to apply to my account is much more difficult. There was a remittance coupon attached which showed my account #.
Consumer complaint received 2015-10-14
Product: Prepaid card — General purpose card
Issue: Unauthorized transactions/trans. issues — 
Company: Empowerment Ventures, LLC (WI)

Rushcard was supposed to be down for routine maintenance for a few hours on XXXX. These few hours have turned into DAYS! I have no access to my funds. My card shows a {$0.00} balance ( which is incorrect ) When I can get into the website once every XXXX attempts ) it is showing a double posting of my transactions and random processing debits. When you try to call Rushcard customer service ( got the number from the back of my prepaid card ) their the number says out of service '' I have a child to feed and bills to pay and have had no access to my money since Sunday!
Consumer complaint received 2022-09-05
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. (NC)

XXXX, XX/XX/2022. XXXX $ I called company told them I was Very sick and was out of work, I would do what I could but pls dont put dilquent payment on my report,
Consumer complaint received 2022-02-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

I opened a secured credit card with XXXX Bank in XXXX. Upon opening of the account an initial security deposit was placed to secure the account. 

XXXX Bank closed the secured credit card account and failed to apply the initial security deposit to the outstanding balance on the account. This has resulted in fees, late charges, interest and other accruals with the account. 

The account was opened on XX/XX/XXXX with an account number of XXXX. The balance reported as of XX/XX/XXXX is a past due balance of {$390.00} when this account had an initial credit limit of {$200.00}. This account also included fraudulent charges made to the account which do not reflect the outstanding balance.
Consumer complaint received 2021-11-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC (MI)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports.

Time has already passed but up until now, I havent heard any kind of response from the XXXX and XXXX Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove the account which is erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the account I am concerned of : ENHANCED RECOVERY CO L - XXXX
Consumer complaint received 2015-11-21
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I PREVIOUSLY DISPUTED TRANSUNIONS DELETING XXXX CLOSED POSITIVE ACCOUNTS .UNDER THE FCRA THEIR ACTIONS ARE SUPPOSED TO BE REASONABLE RESULTS OF INVESTIGATIONS.IT IS NOT REASONABLE THAT I WOULD BE DISPUTING MY CLOSED PODITIVE ACCOUNTS.I CAN NOT CONTACT THOSE CREDITORS BECAUSE THEY WERE DISCHARGED IN THE BANKRUPTCY AND THEY DO NOT REPORT ON THE CLOSED ACCOUNTS, BUT THEY HAVE NO PROBLEM REPORTING ON THE NEGATIVE ONES.I SPOKE TO SOMEONE AT EXPERIAN AND SHE TOLD ME SHE DELETED THE ACCOUNTS BECAUSE THEY ALL HAD THE SAME ACCOUNT NUMBERS AND SHE DID NOT KNOW WHICH ONE WAS IN DISPUTE SO SHE ASKED THE CREDITOR DAYMET CREDIT UNION AND THEY SAID TO DELETE XXXX ACCOUNTS BEFORE THEIR EXPIRATION DATE.I ALSO DID NOT DISPUTE MY CBNA ACCOUNT BUT THEY DELETED IT ANY WAY.I AGAIN DISPUTE THAT IT IS AN UNREASONABLE ACTION FOR THEM TO DELETE CLOSED POSITIVE INFORMATION.UNDER THE FCRA I AM ENTITLED TO A FAIR AND ACCURATE REPORT.HOW CAN IT BE ACCURATE IF THEY DELETE INFORMATION FROM IT.I HAVE DISPUTED BEFORE AND DAYMET IS IN VIOLATION BECAUSE THEY HAD 5 DAYS TO INFORM ME OF THE DISPUTE AND I NEVER RECEIVED ANYTHING FROM THEM.THEY WANT TO HIDE BEHIND MY BANKRUPTCY DISCHARGE BUT IGNORE IT WHEN DELETING MY ACCOUNTS AND REPORTING LATE PAYMENTS DURING A CHAPTER XXXX.I HAVE DISPUTED WITH BOTH ENTITIES AND THEY HAVE VERIFIED INACCURATE INFORMATION. THEY DELETED THE FOLLOWING ACCOUNTS ENDING WITH XXXX, BEGINNING WITH XXXX, NO ACCOUNT NUMBER BUT A LINE OF CREDIT WITHA STATUS DATE OF XX/XX/XXXX.ALL POSITIVE ACCOUNTS BEFORE THE 10 YEAR REPORTING DATE.