davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (CA)

I've had credit cards with Chase at least since XX/XX/XXXX ( 3 yrs, 7 mos ). However, unexpectedly and without explanation Chase closed both of my credit cards earlier this month ; XX/XX/XXXX. I called and received no explanation. I visited the branch today and received no explanation. Just that a letter had been mailed weeks ago. Nothing has been received and no reason has been given. I have never been late or over the limit on these credit cards. I used at least on of those on a monthly basis. This is poor service and bad reflection of a company as big and important as Chase. It affects my credit score.
Consumer complaint received 2018-03-08
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

On XX/XX/XXXX I attempted to send an International Wire.

That wire was declined and I was provided a customer service number.

On XX/XX/XXXX I spoke with a representative at that number. They refused to process the wire, despite the paperwork being correct, saying I needed to go to a branch. 
The closest branch is over 100 miles away, as the bank has closed branches claiming they can provide full service via mobile. 
This is clearly not the case.
Consumer complaint received 2023-04-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (LA)

On XXXX XXXX I contacted Chime Bank regarding transactions that I needed to dispute from XXXX XXXX XXXX They charged my Chime card twice. Once on XX/XX/2023 for {$99.00} and on XX/XX/2023 for {$43.00}. I canceled the order on XX/XX/2023 and the company refused to refund me my money unless I paid them {$99.00}. I never agreed to these terms nor have I received any products from this company. I called Chime bank and submitted dispute claim number XXXX and Chime bank still haven't issued me a refund for these fraudulently charges.
Consumer complaint received 2018-10-27
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC. (NJ)

XXXX XXXX XXXX from XXXX XXXX, California has sent me a Pre-Legal Notification/ Debt Collection letter I received on XXXX XXXX, 2018 claiming that I owe {$3300.00} on a XXXX credit card. I do not own a XXXX credit card. The letter threatens legal action if I don't pay. I contacted them via phone. The man I spoke with had a very thick XXXX accent which was extremely hard to understand. He wanted my social security number and date of birth which I did not supply him. I let him know that what he was doing was illegal and that I was going to file a complaint with my attorney general 's office, the United States postal service and the Federal Trade Commission which I did, today, XX/XX/2018.
Consumer complaint received 2021-03-03
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. (GA)

I am a victim of high capacity data breach in 2015. The thief was able to take my information as well as millions on others and sell it over the dark web and this resulted to attempts at my credit without my permission and the home loan from XXXX Mortgage XXXX.
Consumer complaint received 2017-08-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL (LA)

XXXX XXXX XXXX is reporting an account on my credit report. I have no signed contract or any contract with this company. I have never done business with this company. I am not liable for the debt they say I owe. I would like for this company to delete their tradeline from my credit report. I am not responsible for this debt they claim that I owe. I asked this company for validation that I owe the debt. They responded with a bill that has an address that has never been an address of mine. Im not the responsible party. Furthermore, this debt was placed on my credit report without my knowledge.
Consumer complaint received 2018-02-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

After countless disputes to Transunion with no adequate results I have filed lawsuit now I am again extending an olive branch to the company by allowing them to rectify the situation and delete the Public Record off my credit report
Consumer complaint received 2022-05-02
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc. (TX)

This credit collection agency is the third credit agency that has attempted to collect the debt, they negatively and inaccurately reported this onto all 3 credit reports. They also failed to give me the opportunity to again dispute the debt, as I has previously did with the other two companies. The other two companies were unable to verify the debt and it was passed onto this company. I received no written verification. They have failed to properly verify the debt now 3x. 

The original creditor XXXX, has failed to verify the debt. The equipment was turned into their local store. I asked them to pull video footage and they refused to. They said I need a receipt of return, but I didn't know that when I handed to the girl in the store. I has asked the girl is that all, and she said " yep '' This was on XX/XX/16. I received a bill for {$680.00}. I asked why so much- she said failure to return equipment. I told her that I had returned it and she stated " they couldn't find it '' I asked her to pull the tapes from the local store and she just said " we don't do that '' What? so now I am left to pay for something that was turned in? I offered to give her the serial # and she said we can not take that. I called again in XXXX when I received the 2nd collection company letter, I disputed it right away, and again told my story, she said the same thing. They I received a credit alert XX/XX/XXXX saying a new collection was on my report. I looked and its yet another credit collection company with the same debt. No letter, no way to dispute.
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-27
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. (OH)

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.
Consumer complaint received 2022-05-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

Portfolio Recovery Ass. ( PRA ) has wrongfully assigned a debt to me. I have never signed a contract with XXXX XXXX. I asked them to produce a contract that I signed and that said they do not have one yet they refuse to delete this from my credit reports.
Consumer complaint received 2022-05-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (WI)

On XX/XX/2022 I received a letter in the mail that I missed one or more payments. The problem is I haven't received a bill in the mail within the last six months for this particular card. I paid the balance down beneath the credit line months ago and no bill ever showed up, now it has skyrocket over the credit limit. I would like the company to consider identity theft that is currently pending at a XXXX Police station here in Wisconsin.
Consumer complaint received 2022-01-15
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

On or around XXXX of XXXX someone opened an auto loan with Capitol One Auto Finance in my name. They also made payments on this loan. I tried disputing this loan when I saw the negative report ( approx. in the year of XXXX ). I have a detailed police report of the Identity Theft Incident Report.
Consumer complaint received 2022-01-15
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. (GA)

I was taken advantage of due to malpractice while several laws were being broken under the FCRA by your company. This is causing financial injury, Defamation of character and also I can't even attain a job. During this crises I can't even obtain a sba loan for my company as well as a place to buy in my name to stay. Applying for credit has be the most humiliating thing I've experienced.
Consumer complaint received 2020-07-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Statebridge Company (FL)

On XX/XX/XXXX I was furloughed from my job. I immediately called my mortgage company, Statebridge Mortgage Co, to make them aware of the situation. I paid my XXXX mortgage on XX/XX/XXXX ( late if paid after the XXXX ). On XX/XX/XXXX they submitted on my credit report that I was 30 days late. This is NOT true. I then filed for a 90 day forbearance which they never filed ... so I decided just to pay the mortgage. Ive spoke to them and they agreed to remove the comment from my credit report ... but havent done so. This has impacted my credit score ... 4 of my creditors have decreased my limits so my CREDIT UTILIZATION has gone WAY UP. So my score has decreased! If you look on my credit report I have ZERO LATE PAYMENTS .... except this one. Can you please help?
Consumer complaint received 2020-07-16
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. (SC)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT ON MY FILE. THIS NEGATIVE ACCOUNT HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT. I FEEL LIKE I'M HELPLESS BECAUSE I HAD NO KNOWLEDGE OF THE ACCOUNT. I HAVE NO IDEA WHO WOULD HAVE MY PERSONAL INFORMATION ON HAND AND CAUSED A GREAT HARM TO MY CREDIT, BECAUSE OF THIS IT IS NOW HARD TO ACQUIRE NEW CREDIT. I AM REQUESTING A RE-INVESTIGATION INTO THIS MATTER AND I WOULD LIKE THIS NEGATIVE ACCOUNT OFF MY CREDIT FILE. PLEASE KEEP IN MIND THAT THIS ACCOUNT WAS NOT AUTHORIZED BY ME.
Consumer complaint received 2022-01-08
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. (NY)

I've feel taken advantage of while several laws are broken under the FCRA by your company this caused me defamation of character making it harder to gain access to better employment housing and overall better credit. 

These are the accounts in question : XXXX XXXX XXXX XXXX  : Account # XXXX -XXXX : Account # XXXX
Consumer complaint received 2020-07-16
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. (AR)

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. XXXX  XXXX {$4000.00} CHAPTER XXXX BANKRUPTCY FILED XXXX CHAPTER XXXX BANKRUPTCY FILED XXXX CHAPTER XXXX BANKRUPTCY DISMISSED XXXX XXXX  XXXX {$4000.00} XXXX XXXX {$590.00} XXXX  XXXX {$500.00} XXXX  {$0.00} XXXX XXXX   XXXX
Consumer complaint received 2018-07-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

Equifax is reporting erroneous information regarding my XXXX XXXX XXXX account. I have been notified that one of the accounts is listed as included in bankruptcy and that is incorrect. I have disputed this info but to no avail it is coming back the same and I do not understand why this is happening time and time again. Pursuant to the law, student loans can not be included in bankruptcy unless a dire need is confirmed. None of that has happened and loans were not included in bankruptcy. This is affecting my credit standing with a new home loan. Please either correct or delete.
Consumer complaint received 2022-05-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Self Financial Inc. (AZ)

I HAVE BEEN WITH THIS COMPANY FOR 3 YEARS AND THEY HAVE NEVER DONE THIS OR BEEN AS XXXX WHEN IT COMES TO CUSTOMER SERVICE. 

THEY STOPPED ALLOWING ME TO USE MY CREDIT CARD WHICH WAS THE ONLY FORM OF MONEY I HAD FOR THE WEEKEND OF WHICH JUST PAST AND THEY DID SO IN A FASHON THAT IS DISCUSTING. DISCUSTING NOW ON MONDAY THE CSR IS STILL BEING CONDESCENDING AND REQUESTING MORE DOCUMENTS LIKE I, AM DOING SOMETHING NOBODY HAS EVER DONE.

I, AM NOW THEY ARE BEING ACCUSATORY IN NATURE AND I DO NOT APPRECIATE THE EVEN THOUGHT. THIS COMPANY SHOULD BE FINED AND I WILL BE PAYING AND REMOVING ALL MY BUSINESS AS QUICKLY AS POSSIBLE WITH A XXXX  COMPLAINT AS WELL.
Consumer complaint received 2018-07-29
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: Experian Information Solutions Inc. (CA)

Dear CFPB, Im writing in to complain about Experian. They refuse to delete a charge off from XXXX XXXX Account # XXXX. I've disputed this account several times and they refuse to delete this account after failing to stay in compliance with section 609 ( a ) ( 1 ) ( a ) of the Fair Credit Reporting Act. I simply asked to see verifiable Proof ( an original Consumer Contract with my Signature on it ) without sending me any original signed contract that Ive signed. 

Experian blatantly and arrogantly disregarded my right to ensure that all accounts they post on my credit report are absolutely correct and accurate. They have never provided me any verifiable proof ( an original contract with my signature on it ) ever. 

Who's to say that anyone paying for their reporting services could fax, mail or email in a fraudulent account. 

This is seriously hurting my credit score and I have the legal right to demand Verifiable Proof or this item must be deleted! See attached proof of mailing and notarized documents that I mailed certified and also their response.
Consumer complaint received 2022-05-01
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: United Collection Bureau, Inc. (SC)

One year ago, I took a fall in a parking lot and caused significant damage to my XXXX  and XXXX XXXX. I was taken to the Emergency Room at XXXX XXXX XXXX, XXXX XXXX, NC. The XXXX XXXX company was responsible for the bill and they negotiated a price with the hospital, the bill was paid, however not before it was turned over to collections. The collection process is being handled by the United Collections Bureau in XXXX, Ohio. 
I have provided clear documentation to both XXXX and the United Collections Bureau and have disputed this report on my record several times to no avail. They appear to be ignoring the evidence and continue to have fraudulent information on my credit report.
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I would like to dispute certain records in my credit file that do not belong to me, that I have signed any agreements, and that I have been the victim of identity theftall of which seem to be unaddressed. The things I'm disputing are unrelated to any transactions I've completed or approved to obtain goods, services, or cash. Kindly take out the following items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00}.
Consumer complaint received 2024-01-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (PA)

I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-07-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (TX)

Several of my accounts at Chase were victim of ACH fraud which was first discovered on or about XX/XX/2018. On XX/XX/XXXX, I received a call from Chase criminal fraud regarding a suspicious ACH transaction. I reported that as fraud. Subsequently we discovered that multiple accounts had been attacked. In one case we know the perpetrator and have filed both local and federal complaints. 

I suggested that all accounts I had at Chase should be closed and reopened. My Chase banker told me that wasn't necessary. Subsequently, on or about XX/XX/XXXX another account was attacked and approximately $ 200K was withdrawn. Chase has investigated, accepts responsibility, and has allegedly attempted to return the funds. The failure to return the funds is the subject of this complaint. 

I have had *numerous* conversations with my Chase bankers and various escalations departments in the last month. Chase 's back office has *repeatedly* misrepresented the status of the claim to both me and my Chase bankers. These misrepresentations have ranged from whether the fraud complaint was actually filed, to whether and when cashier 's checks had been sent, to what location they had been sent and when they might arrive. 

As we sit, Chase says they have sent not one but TWO roughly $ 200K cashier 's checks to a location in another state that they will not disclose but which is not the address on my account ( about a year ago I spent several hours in person with my banker assuring the correct addresses and signatories on my accounts ). 

Now, in order to replace the funds, Chase is requiring me to sign an affidavit which among other issues has me aver that I have personal knowledge that the alleged checks were lost, provides Chase a unilateral right to require me to get a bond for the checks, and worse has me indemnifying Chase for any loss with respect to those checks. 

Chase repeatedly misrepresents what the affidavit actually says, saying that it only refers to my personal actions. 

This issue has been escalated within the branch banking structure, the customer service infrastructure, and what was referred to as the " executive escalation '' group. The last conversation was with XXXX XXXX with executive escalations who provided case number XXXX. XXXX was engaged and seemed to understand the problem. We were to have an update Friday. No update. 

As instructed, I have not attached the actual fraud complaint forms for Chase as they contain the account numbers in question. If you need them, I am more than happy to provide.
Consumer complaint received 2018-10-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

I currently have 2 credit cards with Bank of America. 

XX/XX/XXXX - Balance on card 'A ' was accidentally paid to card 'B ' using bill pay from XXXX  XXXX XXXX . 
XX/XX/XXXX - When checking credit card activity, I noticed mistake and called to speak with Bank of America. I was told that the paid amount could not be transferred from card 'B ' to card 'A '. I would have to submit additional payment to pay balance of statement for card 'A '. I immediately set up payment from XXXX XXXX XXXX to pay again to correct card. I was also told that I would be refunded the amount I initially sent to incorrect card to my bank within 2-5 business days XX/XX/XXXX - Payment was received to correct card XX/XX/XXXX - I called Bank of America to check on refunded amount as it was the 5th business day and I still did not see the funds posted to my account at XXXX XXXX XXXX. I was told by XXXX that a department at Bank of America deemed the amount to high and that they would hold the funds for 10 days before releasing to my bank account. I asked who had the funds that I originally submitted. She stated that Bank of America was in possession of those funds. After asking what recourse I had to dispute the 10 day hold period that Bank of America was conducting, I was told that is their policy.