davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-08-04
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF THE WEST (CA)

I am not sure this is fraud or a systems glitch but it is unsettling. I have opened two accounts at two separate locations in different states with the Bank of the West. Each time the bank has opened the accounts and then a second account unknown to me. Once in XXXX for checking and now recently in XXXX, Ca. I opened a money market account with my wife. Next thing we know there are two accounts, and the bank can not explain it. Then this time they close the original account in which we put the money and for which we have all the documentation and then they inexplicably move my money to this second shadow account. Why? No one at bank can explain. Going into branch today to discuss. Is it a systems glitch? Is it institutionally intentional? Is it intentional by someone in the organization but unknown to the official powers and systems? This is very disconcerting.
Consumer complaint received 2023-02-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance to the Fair Credit Reporting Act XXXX Account XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, 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 a account without my written instructions.
Consumer complaint received 2021-08-10
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Bridgecrest Acceptance Corporation (CA)

To whom it may concern, In XXXX of XXXX, I purchased a used car against my better judgment. I am an unmarried military widow and I was a new resident of a new state and I was struggling to get situated. We went to a XXXX dealer who sold us a XXXX XXXX. I bought the car and the down payment was low, the paperwork implied that the car was in decent shape, The low down payment that we paid was increased by {$1000.00} 4 months after we had the vehicle in our possession. A call from an account manager. Announcing that we did not satisfy the proper down payment and they discovered the administrative error, and I was made to pay the {$1000.00}. I asked for a grace period for my impending monthly payment. I was denied. they blew me off with something about 'contractual obligation '' An alleged senior manager from the XXXX location where I purchased the vehicle. Told me to contact JAG or whomever I wanted. I had to pay the money or return my vehicle, IT was the law. 

I am a military widow and a single parent. At that time I was afraid of not being able to provide for my senior parent and daughter in a new state. I paid the XXXX extra and yes it was a hardship. I have never had interactions with BRIDGECREST Acceptance corporation that resulted in a solution for the account issues I begin to notice excessive fees, harassing collections calls, and emails. aggressive collection behaviors, I spent a great deal of time disputing excessive credit reporting on my credit report. If a dispute is in error and retracted, the damage is already done to the consumer 's account I have asked to return the vehicle they have assured me that would cause me more damage, credit-wise. I also noticed that when the account was current I still received many calls. 'Reminders that my BRIDGECREST bill was soon due. I am drowning and they are excessive with their collection practices. As a consumer, I am being financially drained and my credit is trashed.. I did some research and found out that Bridgecrest acceptance Corporation is in violation of the USC 15 congressional codes and the fair credit reporting act laws that are put in place to protect the consumer. Via registered mail I have sent over a packet with a notarized Cease and Desist letter, an affidavit, and supporting documents to prove violations. I hope your agency can provide the support I need. Bridgecrest has received my communication. As of XX/XX/XXXX. They have elected to ignore my notarized " Cease and Desist '' and all other legal documents included in the packet, they reported me to the credit bureau as 60 days late causing another plummet in my score .which violates my request in Cease and Desist document. according to XXXX. My case is not an isolated incident they have many similar complaints regarding contracts and collection practices. 
attached is a copy of the info I sent certified mail to BridgeCrest Acceptance Corporation, in an effort to support my claim Thank You
Consumer complaint received 2023-01-28
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: EQUIFAX, INC. (MI)

In accordance with the Fair Credit Reporting Act this creditor XXXX XXXX XXXX and XXXX XXXX has Violated my rights. 

15 USC 1681 Section 602 states I have the RIGHT TO PRIVACY.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency CAN NOT furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan as Late for any purpose. 

Both XXXX XXXX XXXX and XXXX are Violating my rights.
Consumer complaint received 2022-04-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Creditor : XXXX XXXX Account No : XXXX According to the CARES Act, XXXX XXXX has violated my rights by reporting payments in XXXX XXXX as late on my consumer credit reports. The law requires creditors to report any account that has a payment accommodation applied to it as current to the credit bureausas long as the account was current when the accommodation was made. In XX/XX/2020 there was a Covid forbearance in place however XXXX XXXX  continued to report my payments as late which is a violation of the CARES act.
Consumer complaint received 2018-04-03
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. (TX)

I am a victim of identity theft. My office was broken into and several ID documents were stolen. I filed a police report which I have attached to this complaint. Several inquiries were made online without my approval or authorization which have now negatively impacted my credit. The fraudulent inquires are below : XXXX XXXX : XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2018-04-03
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. (TX)

I am a victim of identity theft. My office was broken into and several ID documents were stolen. I filed a police report which I have attached to this complaint. Several inquiries were made online without my approval or authorization which have now negatively impacted my credit. The fraudulent inquires are below : XXXX XXXX : XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2021-04-25
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (NY)

On XX/XX/XXXX, My mother 's XXXX account got hacked. The hacker made it seem like it was my mother asking me for money. The hacker impersonating my mother said that they needed to pay {$400.00} to this person and that she would give me the money back. I always help my mother with things like that so I thought it was fine. I sent the money through Chase XXXX to an account and phone number that " my mother/hacker '' gave me. And after the money was sent, they asked for more money, so I did trying to help my mother. i ended up sending {$1400.00}. When my mother gets home I find out that it was a scam. after I got scammed the hacker hacked my XXXX account as well and did the same thing he did to me to all the contacts that I had in my XXXX account. I called the police and made a police report. I called XXXX and I reported the name and number under the account that the money went to. I called my bank Chase to report the incident and they said that they were going to do an investigation. After I made the scam report I sent them pictures of the messages that the hacker was sending to other contacts under my name. and made sure to let them know that I had made a police report and that I reported to XXXX the account. After a couple of days, Chase gave me a credit of the {$1400.00} and said that if they find out that the transactions are correct, they were going to take the money back. 

On XX/XX/XXXX, I received a letter from Chase, saying that the transactions were correct and that they were going to take the money back. Which means that their investigation was useless and are not going to help me retrieve this money after me giving them all the information I could about this incident. I tried my best to make sure and prove that this was not me and that I was scammed by using my mother. I've been a customer of Chase for MANY years and they are choosing to help this scammer keep scamming other people while keeping my money.
Consumer complaint received 2021-04-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Bread Financial Holdings, Inc. (MA)

I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2021-03-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Performance Management, LLC (IL)

I was informed that there was a collection item on my XXXX  Credit Bureau due to my bank reviewing my credit journey. I was never informed by Receivables Performance or XXXX of any collection in my name. Upon calling Receivables Performance on XX/XX/XXXX, I was informed past due amount of {$910.00} was in my name for charges occurred in XXXX, Kansas in XXXX, XXXX. I explained to representative I have never lived anywhere in Kansas and have never had any dealings with XXXX. I then filed dispute with XXXX  on XX/XX/XXXX however they replied on XX/XX/XXXX that Receivables Performance had " certified account was correct ''. I reopened another dispute explaining it could not be correct since I have never lived in Kansas or dealt with XXXX. That reopened dispute is still in process as of today XX/XX/XXXX. I also have filed a report with XXXX XXXX, IL Police Department asserting above. I will provide any/all information needed on Receivable Performance report # ; XXXX account # ; XXXX  report # or XXXX report # per your request.
Consumer complaint received 2017-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Century First Credit Solutions (NY)

I Did sign up with XXXX XXXX XXXX in 2015 for my debt settlement and they assure me that they will settle my two credit card acc but after two years now they did n't settle any acc rather they withdraw almost 19000 $ out of my trust acc from XXXX XXXX XXXX acc no XXXX without any work done. without a settlement and now when I ask them they said we will get a settlement but now I want my money back as they took all my money without doing any thing its total fraud. and they refuse to refund my money 1. I paid XXXX every month 2. FILE NO : -XXXX 3.Paid till now XXXX {$4.00} they withdraw XXXX out of my trust acc which was with XXXX acc no XXXX so by contract they will keep all money in trust acc till settlement done but they didnt do any settlement and took my money from XXXX XXXX thanks
Consumer complaint received 2018-02-18
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (NY)

This is a complaint that regards a previous one, just in case PayPal ignores. 
PayPal said no errors occurred in PayPals processing of transactions, but this is still not answering two of my previous questions 1 ) and 4 ) : 1 ) like PayPal said : If youd like to cancel an eCheck after its issued, please call your bank, so I am asking, what does issues mean? Is pending considering issues? PayPal didnt state at all. Its term in help center is not clear. 4 ) PayPal customer service. Like I say, when the first time I contacted the customer service, after my four transactions, he didnt tell me anything about contacting the bank to do cancellation. If he did, the situation may be different. So no errors? 
Here is one more question : If PayPal still have the bank statement that I submitted, PayPal should notice that my bank balance is only {$700.00} before I made any transactions. So have does PayPal make both Payment 2 and Payment 4 completed? That is total {$1400.00}. 
PayPal said Both of the documents you provided were heavily redacted. Yes, I cover my money balance and part of my account number on the bank statement and my height, weight, etc on the driver license. I dont see how these information related with the confirmation of my identity. If so, please provide details information of what PayPal needs to see to verify my identity. So far, I only received one email about the bank statement of one account is invalid and I resubmitted. Everything else still shows submitted for review for a week long. Please dont make up things. 
Additionally, I have two more transactions ( 7 & 8 ) showed up on my account on XX/XX/XXXX. PayPal customer service said this is a second attempt, but in my PayPal account activity shows all transactions are categorized as Completed. I believe what I submitted previous can back up my story. So no errors? Right now my PayPal balance is {$1400.00} ; however, even I deposited another {$200.00}, and still cant explain how PayPal get the additional {$500.00} from my account.
Consumer complaint received 2023-01-28
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: JPMORGAN CHASE & CO. (OK)

XX/XX/XXXX th XXXX  I dialed a XXXX number found on XXXX to try to get a hold of XXXX XXXX XXXX I was having trouble becoming the Administrator. The number I called indicated I had to buy these gift cards and on the back of the card, they would use the number and bypass the settings to get to be the Administrator. I believed them. Therefore, I bought a {$500.00} XXXX gift card and a {$70.00} XXXX XXXX per their instructions. At the same time, I was trying to reach my son to help me figure it out. That's when I realized, the people I had thought were helping me had taken the value of the gift cards and used them. I called Chase cards to tell them about the encounter and to get help but all they told me was bc I had bought the gift cards they couldn't help and I was responsible for the amount. Please help!!
Consumer complaint received 2023-01-28
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. (CA)

Family of XXXX ( wife and husband along with XXXX kids who are twins, aged XXXX XXXX XXXX Wife enrolled the XXXX kids for preschool in XX/XX/2022 for a first day on XX/XX/2022. Tuition is {$2600.00} per kid, per month. 

All of the enrollment process was conducted via email, with the XXXX XXXX  director, using her personal XXXX email account. 

As part of the enrollment process, the school requested funds for 1. {$2100.00} for a deposit and 2. {$2600.00} for the first months tuition For a total of {$4700.00} per child ( therefore {$9400.00} total for XXXX kids ) This funding was to be made before the first day of class. Wife was advised to send payments via XXXX to 2 email addresses : XXXX name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX In total, XXXX XXXX payments were sent on XX/XX/2022, XX/XX/2022 and XX/XX/2022. Wife initiated the XXXX payments online through the advice received via email. 

Following the first day of school ( XX/XX/XXXX ), the XXXX director asked us via text message whether we had make the payments and we told her we had complied with her request via email. This was how we discovered that the XXXX funds were misdirected, and therefore fraudulent. Not known to any of us ( Wife, Husband or the XXXX  director ) was that the XXXX  director 's XXXX email account was compromised with a man-in-the-middle, and was being controlled by someone else. See screenshots of the email conversation from both the perspective of Wife and the XXXX director. The email thread has been doctored by an unknown 3rd party. 

Wife then emailed XXXX and XXXX to ask that they return the funds sent to them via XXXX. There has been no response. 

Wife called her bank ( JP Morgan Chase ) on XX/XX/2022 to see if the XXXX payments could be reversed. The bank said XXXX transactions are not reversible. 

Wife again called JP Morgan Chase on XX/XX/2022 to ask if there was a report or complaint that could be filed and the bank told her no, as the transactions were authorized. In addition, from the banks perspective, no fraud has taken place as the XXXX XXXX transactions were all initiated by Wife. 

Attachments * XXXX XXXX payments totaling {$14000.00} from XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/2022 * Email correspondence from Wife 's email account * Pictures of email correspondence side by side from 2 perspectives. On the left is the XXXX  directors mobile phone. On the right is Wife 's mobile phone. The messages that the XXXX director sees are modified from those that Wife has received and replied to
Consumer complaint received 2020-11-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CBC Companies, Inc. (IL)

I have an old credit card account with XXXX XXXX from XXXX. In XXXX filed ChapterXXXX bankruptcy. XXXX XXXX was listed as one of my creditors set to appear at the Bankruptcy " 341 meeting '' in XX/XX/XXXX. XXXX XXXX never showed up for the meeting. I was reviewing my credit reports and notice that they are trying to collect on that old balance. I have asked the credit bureaus to list the account under bankruptcy which they did, yet speaking with my attorney since they received notice to attend the Bankruptcy " 341 meeting '' in XX/XX/XXXX, and they did not respond they foregone their right to collect on this debt and it must be removed from all my credit files.
Consumer complaint received 2020-09-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

Trip : XXXX XXXX XXXX charity event XXXX XXXX, President XXXX Company with issue : XXXX - XXXX XXXX   XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX : XXXX T : XXXX XXXX XXXX Other members XXXX XXXX XXXX referred by XXXX XXXX as the refund contact XXXX : XXXX XXXX XXXX XXXX Travel Consultant Phone XXXX XXXX XXXX Fax XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX Expected Travel Dates : XX/XX/2020 to XX/XX/2020 Issue : Trip did not happen as planned and was delayed by the vendor in XX/XX/2020 when health, safety and travel bans were put in place due to the Covid-19 response. The trip was officially canceled with letter on XX/XX/2020 issued by XXXX XXXX. I along with my group were promised a full refund for airfare, hotel, tours and other incidentals by the XXXX XXXX XXXX XXXX owner and asked to wait months before he could file claims on our behalf. He then said he would issue 50 % refund in XXXX and once the associated businesses opened up issue us the remaining funds. Days later he took back those words and has now refused any association to returning our funds. In the latest contact with the owner, he said his staff would be back in the office on XX/XX/2020, but he was working from home. When I emailed, the auto reply is now back in the office XX/XX/XXXX and he is working from home. He no longer will answer emails knowing we discussed my waiting to XX/XX/XXXX to speak with his employee. Airlines and hotels are particularly open. Yet, he still refuses to assist. I believe he has no intention of reimbursing me. 

Prior to this, I consulted my bank ( Bank of America ) and filed 3 claims for the below payments : - For dispute amounts and claim # # 1 {$1300.00} : XXXX # 2 {$1200.00} : XXXX # 3 {$790.00} : XXXX Unfortunately, BoA will not assist me further in the dispute because the claim submission time falls after the 60-72 day timeframe for filing disputes. They refuse to consider the Covid-19 pandemic and have closed each of my 3 claims. I was also promised a letter informing me why in writing, but they two have not followed through and the letter was never received.
Consumer complaint received 2021-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

Transunion violated my consumer rights.YOU VIOLATED MY CONSUMER RIGHTS ACCORDING TO THE UNITED STATES CODE Per. 15 U.S. Code 1681b - Permissible purposes of consumer reports In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Per. 15 U.S. Code 1681e - Compliance procedures ( b ) Accuracy of report