davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: JPMORGAN CHASE & CO. (NV)

1. On XX/XX/2020, I called XXXX and requested to make a transfer of funds from XXXX  to XXXX XXXX XXXX. The representative from XXXX instructed me to initiate the transfer through my XXXX banking app. I put my XXXX credit card information in correctly on the app and submitted the transfer request for {$3000.00}. 2. On XX/XX/XXXX, I received a statement on my app that the transfer was made to Chase ( as opposed to XXXX  ). I do not have a Chase account. I called XXXX and told them I do not have a Chase account. The representative from XXXX told me to wait 14 days to make sure that the money did not go to XXXX. 3. After 14 days I called back, and XXXX ( a supervisor ) told me that they would have to put a stop to the check that they incorrectly sent to Chase. They said that this would take 5 working days. 4. I waiting 5 days and called XXXX back. The money was not returned to my XXXX account. A XXXX representative said there is nothing they can do because the check was cashed by Chase. They told me to go to Chase and to request the money be returned to XXXX. I called Chase, and they told me that XXXX needs to request the check from Chase. XXXX then sent me a copy of the check. On the check, it shows the XXXX credit card number that I entered into the app correctly ; however, the address on the check shows that it was sent to Chase and not XXXX. 5. I went back to Chase and they said they could see the check in their system, but that XXXX needs to request the check. I went back and forth for months now, and XXXX is refusing to resolve the issue and are insisting that I pay the {$3000.00}. 6. I went to a physical Chase bank, and although they were not able to help me, they told me that XXXX has incorrectly sent checks to Chase before and that I was not the first person to have this issue. 7. I have filled out a previous report with the CFPB, in which XXXX said they faxed Chase a request for the money. Chase has refused to return the money. 

I am now filing a report again, this time against Chase. XXXX has reached out to Chase to return the {$3000.00} but Chase has repeatedly ignored these requests. I have attached letters which demonstrate that XXXX has sent requests to Chase for the refund several times. 
*********** Summary : I requested {$3000.00} be paid from my XXXX credit card to XXXX. XXXX sent the {$3000.00} to Chase incorrectly. Chase has refused to return the money despite numerous attempts by XXXX to request the money back.
Consumer complaint received 2018-06-26
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BBVA FINANCIAL CORPORATION (WA)

Hi, So I had a XXXX shipment about a year ago have stopped. The shipment never left the store. However my account had a weird billing issue and I was still charged, rather than it being automatically reversed. Well I tried to dispute that charge and my bank said I had to sort it out with XXXX. Well with XXXX they said they couldn't refund me the balance. Here is my entire conversation with the disputes team. I've given up with the bank so I'll try and reach out to XXXX   to seek a refund again. 

This is our chat convo with them XXXX XXXX XXXX
Consumer complaint received 2018-06-24
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (AR)

On XX/XX/XXXX Equifax sent a letter to XXXX XXXX XXXX from Consumer Relations Specialist XXXX XXXX informing the account XXXX XXXX would be removed from credit report within 5 to 7 days. A letter dated XX/XX/XXXX was sent with confirmation # XXXX informing me that XXXX XXXX XXXX Had been removed from credit report. As of XX/XX/XXXX the same account XXXX XXXX was reported to my Equifax Credit Report without any initial communication or notification within 5 business days. Equifax again has violated the Fair Credit Reporting Act 605B and 611C. This account has been blocked
Consumer complaint received 2022-09-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

On XX/XX/XXXX I received a graduation check from a family friend for XXXX dollars. I deposited it to a Bank of America ATM on that day and once I completed the deposit and did not have the check in my possession I received a receipt saying the funds would not be available to me until the XXXX of XXXX. I now did not have the check nor could I get it back. I thought this was a very strange and long hold so the next day ( the XXXX ) I visited a local branch that told me they could not assist me until the check had cleared with images the next business day. The next business day was the XXXX of XXXX to where I called boa XXXX number where the customer service representative was rude and short, answered me with sorry nothing we can do youll have to wait till the XXXX without even properly looking into the check or my situation. I called the local branch office I visited previously and the representative told me she was working on expediting the check and releasing the hold and I would hear something from her that Friday, the XXXX. Friday came around and I gave her a call and she said there was nothing that could be done there was a security hold on the check. So I waited over the weekend and still had no clearance or access to my funds. On XX/XX/XXXX, a week and half after I had deposited the check, I walked into another branch where the receptionist was very rude and told me there was nothing she could do and did not even let me sit with a financial advisor to look into my situation and turned me away. She also informed me that 5 other customers THAT DAY walked in with the same issue on a check being held for longer than normal. I called the family friend that gave me the check and she informed me that the funds were taken out of her bank account earlier LAST WEEK. So I called a XXXX number again asking where my funds were if they were cleared from the original bank account a week ago, but can not be seen or accessed in mine. She informed me it was a security of funds hold and they still had received no payment from the other bank and there was nothing she could do about it, even though I had proof that the funds were released from the original account a week prior. No one can answer me on why my funds are not able to be seen in my account and where are they now? This is money I was planning to live off of before I started my new job at the end of the month that I now have to wait two weeks to have access to, even though the check has been processed and removed from the family friends account. I have no history of bouncing checks and no other delinquencies with Bank of America. I will never hold or trust my money in any Bank of America account ever again. I feel very robbed and wronged and will advise anyone else I know to never open an account with them. There is some serious lying and fraud going on inside of Bank of America and they should not be allowed or trusted with hard working Americans money.
Consumer complaint received 2022-09-13
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: Santander Consumer USA Holdings Inc. (MI)

On XX/XX/2022, I sent CHRYSLER CAP a notice of unauthorized inquiry that has caused damage to my credit file. By law CHRYSLER CAP had 10 days to respond to my notice showing proof they were given written consent by me to access my credit file which they have not. They are now in default and are continuing to violate my right to privacy as well as my federally protected rights as a consumer. I do not give CHRYSLER CAP any consent to access my credit for any reason. I have also filed an identity theft report for their unlawful behavior
Consumer complaint received 2020-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

My lender pulled my credit and there is a XXXX XXXX account showing on my credit file. I had NEVER signed for a credit card with this company. I was added as an authorized user but at no time did I have a card with this company or an account with this company. This is hindering my loan being processed. I am attaching proof that this debt is not mine this was for XXXX XXXX XXXX. Had this been mine I too would have been sued!
Consumer complaint received 2022-09-13
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)

My identity was lost and it resulted in unarthorized opened accounts and charges damaging my report. 
XXXXXXXX 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
Consumer complaint received 2020-05-01
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. (FL)

My lender pulled my credit and there is a XXXX XXXX account showing on my credit file. I had NEVER signed for a credit card with this company. I was added as an authorized user but at no time did I have a card with this company or an account with this company. This is hindering my loan being processed. I am attaching proof that this debt is not mine this was for XXXX XXXX XXXX. Had this been mine I too would have been sued!
Consumer complaint received 2022-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law. Please remove/block the accounts as they are fraudulent & were opened without my consent or knowledge. 

XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$3500.00}, XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$10000.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$21000.00}
Consumer complaint received 2020-08-21
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. (NY)

This is not a Third Party. I am requesting that the following accounts be removed. These are fraud, I didnt benefit, apply for, and authorize these accounts. 
XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX  XXXX is fraudulent on my credit Account # XXXX XXXX XXXX  XXXX is fraudulent on my credit Account # XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX XXXX  XXXX  is fraudulent on my credit Account # XXXX XXXX XXXX XXXX  XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX  and TransUnion credit bureaus keep putting these fraudulent accounts back on my credit. These have been reported and claimed to be not mine.
Consumer complaint received 2022-09-13
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. (FL)

When I reviewed my Credit Report I noticed that there are still accounts that are reporting erroneous and incorrect information. I am not satisfied that you have completely fulfilled the guidelines of the Fair Credit Reporting Act in conducting your examination. I sense that the accounts needs a proper action to assure maximum possible accuracy on my credit file. Hence, I am asking for another investigation. 
XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$150.00} ; XXXX XXXX XXXX : {$57000.00}.
Consumer complaint received 2022-09-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Credit Karma (NC)

I was told that I had great approval odds and that I should apply for a loan to consolidate my credit card debt. It gave me an APR on my loan for 18.49 % but when I applied for a loan and got approved my APR was 26 %. Credit Karma deceived me and thinking that I had great approval odds for a low interest rate loan and that was false. The loan company is called XXXX XXXX
Consumer complaint received 2020-05-01
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. (MO)

It has come apparent to me that the three ( 3 ) major credit reporting agencies are not following the rules and laws of the FCRA. I reported to the 3 credit reporting agencies of the lost / stolen personal information regarding my identity. And since my identity has been compromised it has profoundly effected my credit file. I summoned the credit reporting agencies to send me a certified physical documentation via their Method of Verification in regards to these fraudulent and unknown accounts reported within my credit files. I'm demanding that these unauthorized accounts be blocked and removed from my credit file immediately. 

1 ) XXXX XXXX {$710.00} 2 ) XXXX XXXX XXXX {$470.00} 3 ) XXXX XXXX XXXX 4 ) XXXX XXXX XXXX 5 ) XXXX XXXX XXXX XXXX 6 ) XXXX XXXX 7 ) XXXX XXXX XXXX XXXX XXXX 8 ) XXXX XXXX XXXX 9 ) XXXX XXXX ) XXXX XXXX XXXX 11 ) XXXX XXXX {$31000.00} 12 ) XXXX XXXX {$6600.00} 13 ) XXXX XXXX {$6000.00} 14 ) XXXX XXXX {$3500.00} 15 ) XXXX XXXX {$3500.00}
Consumer complaint received 2016-03-18
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (FL)

I contacted the credit reporting agency and advised them that the amount sent to them by XXXX XXXX XXXX is not an amount owed. In fact, there is no amount owed to them and this entire report was filed in an attempt to damage my credit and that of my daughters because this is listed on her credit report as well and when we contacted Equifax to dispute said items, we were told that it would not be removed. According to Federal Trade Commission Rules 15 U.S.C. 1681s ( a ) ( 1 ) accuracy, 603.2 ( e ) intergrity and ( 1 ) Substantiated. In fact, XXXX XXXX XXXX has to show how the debt is owed and they can not and Equifax should have removed this from our credit report.This is a landlord tenant dispute where we exercised our rights under state law and the landlord sued in retaliation. There is a counter claim pending and there has been no final judgment awarded to the landlord. Thus, the entire amount listed is fraudulent. We ask once again for it to be removed from my credit file and that of my daughters. We can mail any supporting documents showing XXXX XXXX XXXX has no legal right to place said amount on our credit file. We ask for it to be removed at once. Thank you
Consumer complaint received 2021-07-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Phoenix Financial Services LLC (OH)

No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting
Consumer complaint received 2021-04-24
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MS)

The first XXXX  was a negative report.I disputed was untrue report I never had a XXXX $ account never paid on account. it was disputed. settled to delete report .I 've had four more disputes when completed .it was agreed to delete false reports ..the negative reports reappeared. next time I checked .every report that was supposed to be completely. deleted. Also before, I had a opened account with XXXX XXXX.My beacon was XXXX, XXXX, & XXXX. I had four loans in my credit reports. by EXPERIAN employed person I'was told to dispute the fact they not on credit reports anymore. they were submitted by loan company credit my signature loans thou had been taken out .because of false report sent by XXXX XXXX XXXX 
I was not lieing at all. Reduced credit the toXXXX  the employed person by these two companys are not educated they don't understand how to add interest. late XXXX is 1day late adds the next months payment. 
the amount of interest is no extra money added to payments scheduled. i payed the false late amount to prove what they are doing to me i paidXXXX $ XXXX XXXX XXXX payment .that amount was supposed to be subtracted from the the remainder payment instead false amount was added three extra interest payments that don't subtract from remainder. If they handled late interest to late payment.it only being interest for the payments being late. The company would not send a credit report to correct the information with report that account had been ( paid and never late ).
Consumer complaint received 2022-09-12
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. (TX)

Experian see attachment you have 5 business days to respond not 30 days or show 15U.S.C.6802 obligation to disclosure of personal information a release
Consumer complaint received 2020-07-19
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: LDF Holdings, LLC (NE)

I emailed the lender and explained to them a week before my first payment was due that I live on ssi and am in XXXX from XXXX XXXX and I could not make my payment we agreed they would be putting my XX/XX/XXXX payment at the end of my loan and i would not pay XXXX payment they emailed me back two days later said it was too late to negotiate that and they with drew the money I was sick and didnt even get a copy of loan agreement or know what i signed they preyed on me i was desperate but they knew i couldnt afford this
Consumer complaint received 2020-07-19
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. (CO)

Experian is reporting a XXXX account that was closed in XXXX as a Charge Off. I sent them the letter from creditor stating that my acct was closed in XXXX and the monthly payment due and made. After more then 30 days from dispute to correct they didnt update the correct acct status or payments made and are still reporting it incorrectly.
Consumer complaint received 2017-04-20
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: TRANSWORLD SYSTEMS INC (FL)

I recently received an identity theft alert on   XXXX   XXXX   from the  XXXX  service as I was a recent victim of the    XXXX   XXXX   data br each. This alert identified a new account in the amount of {$160.00} that was posted to my credit file on   XXXX   XXXX   by an entity name d Transworld Systems. I immediately called to place a fraud alert on my credit file.       Transworld Systems has never attempted to contact me about any debt in any amount before placing this on my credit report, and I a m completely unaware of the alleged amount ow or what it is potentially for.     I believe this is an attempt at identity theft and will also be filing complaints at the state level and considering legal action. I wish to file an initial complaint agains t Transworld due to th e fact that they have provided me absolutely no information of any kind or even attempted to contact me by mail or phone to explain what this bill is for. Nor has  Transworld sent m e any correspondence or bills tha t I may review o r dispute.
Consumer complaint received 2022-09-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

I have given notice to EXPERIAN on XX/XX/2022 that identity theft has occurred and inaccurate reporting has resulted from the identity theft. 

included below is a list of inaccuracies being reported. 

XXXX XXXX XXXX XXXXXX/XX/2022 XXXX. XXXX XXXX XX/XX/2022 XXXX. EXPERIAN XXXX XXXX  XXXX XXXX. EXPERIAN XXXX XXXX  XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX  XXXX
Consumer complaint received 2020-05-01
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (CA)

I sold something worth {$70.00} to someone and they chase quick pay'ed me the money and then they called Chase and said it was fraud. Chase thennclosed my account without even contacting me and I can't open an account there anymore. I've tried calling multiple times and going in.