davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-12-15
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: FIFTH THIRD FINANCIAL CORPORATION (GA)

I have a loan for a lot in XXXX Florida with 53 bank for many years. this lot actually belongs to my sister and her family who is making the monthly payment through me.she could n't get a loan back then so I got a loan for them so they can have a small investment before economy down turn. We have been making a payment every month right at due date on the clock all these years. in the past before loan becomes mature I was being contacted and they would renew the loan with no issues. This time I was not contacted prior to loan become mature on XX/XX/XXXX. Then I 've got a call demanding the loan to be paid off in whole including all penalties which it comes to about {$68000.00} I explained this is impossible with such a short time so if there was anyway they can reconsider of refinancing it so my sister 's family has more time to come up with other means of getting loan on their residence and pay off this loan. this has been going on for almost more than 30 days. every time I call they are stating they need more documents and they are working on it. Last commutation was this morning. In the meantime I am getting calls from their collection dept every day sometime few times and I have to explain to different people the same thing and give them an update of their bank 's action. Seems like 53rd bank either do n't communicate with their own departments or they do n't have an access to the same file or perhaps right hand does n't know what the left hand doing, During all this we have been making our monthly regular payment of {$400.00} a month without interruption. These are beside they reported delinquency to my credit file so my credit score from XXXX dropped to XXXX technically we are not late on the loan and still making the payment. I told them we need to sort this out as soon as possible so we can stop the bleeding of destroying my credit any further and start cleaning it up but still no action. 
I am getting calls from other creditor due to low credit and they are cutting my line of credit as a result. 
In the meantime I was told by their collection dept that 53 bank getting ready to shot sale the lot which is totally wrong specially when I worked so hard to get the loan extended and hold off is from their side, not my side. 
XXXX XXXX is my only hope to get my voice to the proper authority for help to fix this problem and help getting my credit back for this unfair act of 53 bank. 
Furthermore I have most of the communication that was done via email which I can supply upon request. Also I would request to check my credit history and see if there was ANY late or delinquency for past 22 years and since I moved to XXXX I 've heard Consumer Protection helped so many people to get them back on track and I am hoping to such a result in this case. 
Thank you for your time and help in advance.
Consumer complaint received 2021-08-18
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: Santander Consumer USA Holdings Inc. (GA)

The company initially gave me a 72 month loan at $ XXXX monthly with my first payment due XX/XX/XXXX, I made my first payment in XXXX of XXXX, a month before the payment was do instead of posting the payment to the month it was do XX/XX/XXXX, they created a payment due for XX/XX/XXXX. Then throughout my loan I been given 5 extensions or payment deferments the company has posted payments to months that were deferred. In XXXX of XXXX I made 3 payments totaling {$2100.00} the company applied all those payments to interest and posted to deferred payments which now they are saying I have two 30 day lates for months XX/XX/XXXX and XX/XX/XXXX. I had several calls within the company explaining how the posting was incorrect walking step by step with the representative they final see it, I have also talked with a member of there leadership team who found the error on his own and assured me that he would have this corrected and credits issued for late fees and etc, he also said he would be sending it over to his ASU DEPARTMENT to correct my credit report well thats where the ball drops. No one within that department will take the time to review the payments and reach out to me or the member of leadership to ask questions. Attached you will find thr transaction history
Consumer complaint received 2023-01-12
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (CA)

Below is a list of fraudulent transactions that were made from my Chase bank account through XXXX. I have no knowledge of who the recipients are or of where they are located. All the charges were made without my approval or authorization, and the charges constitute financial fraud. The amounts below were withdrawn from account number XXXX. 
The complete irregularity of the outgoing XXXX transactions ( linked directly to my Chase account ), in comparison to my account history, should also be considered as further evidence to the fraudulent nature of these charges. 
The following fraudulent charges were made between the dates of XX/XX/XXXX th and XX/XX/XXXX th of 2022. 

Date of Charge Transaction # /Description Transaction Type Amount Chase Fraud Claim Number XX/XX/2022 XXXX XXXX to XXXX XXXX XXXX XXXX - {$800.00} XXXX XX/XX/2022 XXXX XXXX to XXXX XXXX XXXX XXXX - {$800.00} XXXX XX/XX/2022 XXXX XXXX to XXXX XXXX XXXX XXXX - {$50.00} XXXX XX/XX/2022 XXXX XXXX to XXXX XXXX XXXX XXXX - {$150.00} XXXX XX/XX/2022 XXXX XXXX to XXXX XXXX XXXX XXXX - {$50.00} XXXX XX/XX/2022 XXXX XXXX to XXXX XXXX XXXX XXXX - {$100.00} XXXX XX/XX/2022 XXXX XXXX to XXXX XXXX XXXX XXXX - {$50.00} XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX - {$250.00} XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX to XXXX XXXX XX/XX/2022 XXXX XXXX to XXXX XXXX XXXX XXXX - {$300.00} XXXX XX/XX/2022 XXXX XXXX XXXX to XXXX XXXX XXXX XXXX - {$50.00} XXXX
Consumer complaint received 2024-03-21
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (CA)

I had a unauthorized transaction on cashapp showing my money was withdrawn which I did not do I filed a report with cashapp and they closed my report within a day! They didnt even investigate it The transaction was done on XX/XX/2024 at XXXX XXXX  for the amount of {$1000.00} I did not make it and had my card In my possession at all times and I never gave out my pin or anything they denied my report
Consumer complaint received 2021-09-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (CO)

My XXXX XXXX auto financing loan did dont appear in Experian, XXXX XXXX or XXXX credit report. XXXX XXXX states that they last reported the positive payment status of the account to the three major credit agencies in XXXX. I have 5 years worth of positive payment history that is not reflected in my credit report. Furthermore, although the XXXX XXXX finance loan initially appeared on my credit report, it disappeared about two years ago, even though I was continuing to make payments on the loan. I recently closed out the loan, but the positive payment history and the payoff are not on any of my credit reports.
Consumer complaint received 2021-09-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I received a deposit and Capital One is holding my funds until I provide business documents which I have. The business is a sole prop under myself. 
Not to mention I have had deposits come to this account before and there was no problem. I have had this account over 2-4 years. Why an issue now?? How can they hold money like that knowing people have businesses. I have even processed business transactions because its my business account. Please help.
Consumer complaint received 2020-04-24
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO. (SC)

I became ill in XXXX was in the hospital about 2 weeks. having XXXX it was like a XXXX my left side would not work. Went through 1 and a half year of rehab. had a frozen left shoulder. the doctors decided I had XXXX XXXX XXXX XXXX   XXXX XXXX  was not able to walk well had to use cain. Could not work.
Consumer complaint received 2022-08-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Im sending this Complaint to inform you that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureaus are required to remove any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumerthat the information is not information relating to any transaction by the consumer. The items listed below were not mine : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX, M, XXXX XXXX XXXX, XXXX XXXX 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 Balance : {$0.00}, XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX ) XXXX Balance : {$650.00}, XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$210.00} XXXX XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$2800.00}, 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 2021-08-12
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NC)

I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.
Consumer complaint received 2020-11-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO. (NY)

I opened a new Chase Total checking account and received 2 direct deposits. The bank paid me {$200.00} for doing so. Next I was accepted for a new job where the employer deposited a {$500.00} deposit only check into my account. The bank would no longer allow me access to my online account, locked me out from my debit card and wouldn't even let me withdraw from my other direct deposits at the bank. I would call and they would hang up on me repetitively and play games with the phone line. I was told that the check bounced and was fraud. I don't believe this is true. Nonetheless I was told that they were closing my account after they penalized me {$12.00} for the {$500.00} deposit only check. They then finally after 2 weeks sent me a check of my remaining balance. I was told to never try to open an account with Chase again. The fraud department just hung up on me too.
Consumer complaint received 2021-05-01
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: Experian Information Solutions Inc. (CA)

In XX/XX/XXXX, my fico 8 score was a XXXX. I had 3 soft pull inquiries from 3 financial institutions ; XXXX XXXX XXXX XXXX, XXXX XXXX, and XXXX  XXXX XXXX, which raised my score by 15 points. XXXX XXXX, XXXX, I applied for a XXXX XXXX credit builder account ; I made early payments 2 times in 2 months and was promised my fico 8 would raise by XXXX points if it was not subprime ; little to no credit at all, but was only rewarded 30 points total. XX/XX/XXXX, I started working full time and had the utilities that are accepted by Experian boost put in my name. Experian boost promises to build your fico 8 by 6 points each streaming service, cell phone services, and utilities. I purchased all 6 streaming services ; XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX, and XXXX, and my fico was supposed to be raised by 36 points. XXXX and XXXX  XXXX are the only utilities Experian boost accepts to boost ; 12 points. I also have 2 cell phones with XXXX  and XXXX  ; 12 more points with Experian Boost. I also have a XXXX  debit spending account, which promised to raise my fico 8 by 35 points. I recently opened a 2nd XXXX XXXX account on XX/XX/XXXX, which promised to build my fico 8 by 45 points if an account is {$1100.00} in good standing by the sixth month. XX/XX/XXXX, is the 6th month and my score of 8 has not been reported on my Experian by the FCRA yet. XX/XX/XXXX, I recently applied for 2 credit-building accounts ; XXXX and XXXX. XXXX is to build my fico by 45 points within 6 months ; XX/XX/XXXX with Experian. XXXX builds by 45 points with XXXX  and XXXX  XX/XX/XXXX. Due to the Covid 19 Pandemic, XXXX states no penalty for not being able to pay your bill ; the 1st time I have heard anything like this. Due diligently, XXXX helped me find the answers to a lot of the financial literacy questions I have. Experian customer service representative named XXXX, told me nothing was resolved. 

XXXX Starting Fico 8 15 3 financial institutions 30 1st XXXX XXXX  Credit Building Account 12 2 utilities ; XXXX  XXXX/XXXX 12 2 cell phones ; XXXX/XXXX  35 XXXX  Spending Account Debit 36 6 Streaming services ; XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX = XXXX 45 2nd XXXX XXXX Credit Building Account = XXXX By XX/XX/XXXX ; the 6th month 45 XXXX Credit Building Account by 6th month ; XXXX XX/XX/XXXX = XXXX By XX/XX/XXXX
Consumer complaint received 2024-03-21
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: BANK OZK (AR)

I went to bank OZK in XXXX AR today which closed all my accounts approx. 6 months ago. 

I was told approximately 2 months ago that any checks submitted to the bank would be returned. 

Bank OZK deposited a check from the IRS into a closed checking account on XX/XX/24. 

The amount of the deposit only shows approximately {$560.00} when the check was for {$1000.00}. 

I was told a cashier 's check was sent to my address in file but the paperwork bank OZK gave me does not show that. 

The bank OZK kept approximately {$560.00} to pay a negative which was charged off approximately 6 months ago. 

I have written documentation from Bank OZK that I had no open checking accounts over 1 month ago. 

I had been waiting for this tax refund for approximately 8 months and now this.
Consumer complaint received 2020-10-26
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (IL)

I got an XXXX XXXX  visa credit card to get a discount on a book. Was supposed to be the only thing ever purchased on the card for {$4.00}. Then after that I changed it back to my XXXX XXXX card. XXXX on repeated occasions billed the XXXX XXXX card without my permission. As of today, a card that has been deactivated for months, XXXX tried to make it as my payment method. I have called XXXX  and XXXX  and neither has been able to figure out how do do this. My credit score is down 100 points or so due to this. I have attached a picture from XXXX CST on XX/XX/2020 showing this.
Consumer complaint received 2020-10-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

THE DISPUTED ACCOUNT HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THIS ACCOUNT REMOVE OFF MY CREDIT. THE ACCOUNT IS A CLOSED ACCOUNT ANS HAS BEEN PAID FOR IN A SETTLEMENT AGREEMENT. FOR YOUR CONVENIENCE, I HAVE ATTACHED A LETTER SHOWING PROOF OF THE AGREEMENT.
Consumer complaint received 2023-01-19
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. (FL)

When I reviewed my credit report, I discovered the erroneous items. The 3 credit bureaus must verify these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be updated from erroneous reporting in my file. 

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 2023-01-19
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. (CA)

THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE ITEMS MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2, these accounts are not mine and I do not live in the address reported. Also, I do not file bankruptcy in any court. 

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} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$0.00} XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX
Consumer complaint received 2024-03-20
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: ALLY FINANCIAL INC. (NJ)

I initiated a wire transfer on Monday, XX/XX/XXXX in the afternoon and the bank said that it would be processed by XXXX XXXX ET the next day on their website. As of XX/XX/XXXX at XXXX XXXX  ET, the wire still has not been processed. I tried to call Ally to see what was going on and they were unable to provide any information on the status or when it would go through. I tried to ask multiple times, but they refused to provide any additional information.
Consumer complaint received 2024-03-20
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (AZ)

Please review my XXXX complaint with QVC, Synchrony. After that they sent a bill and I paid the total balance due og XXXX Then I got XXXX XXXX balance statement finally. Now suddenly they are billing me again XXXX and I have not purchased anything from them since last year. I am attaching my statements. This is ridiculous. This is some scam. My sis said same thing she suddenly gets this bill for XXXX after months of nothing.
Consumer complaint received 2020-12-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

My identity was used by someone else to open fraudulent accounts. This has resulted in the following FRAUDULENT items to appear on my credit reports : XXXX  XXXX XXXX I am seeking to have the FRAUDULENT information removed from my credit reports. I have already sent the credit bureaus documentation supporting my claims. The credit bureaus are still reporting the FRAUDULENT items
Consumer complaint received 2020-10-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX  opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.