davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (CA)

I was scammed and an unauthorized user was able to access my account and transfer via XXXX funds to another accounts and they began to harass me about money I went to the police to file a complaint about the scam and threats done to my life. When I reached out to my bank to notify them about the situation and file a claim in hopes of recouping my money by cancelling the transfer or seeing of any protection that the bank had. They said they could not help me due to the transfer being done via XXXX. Even though their bank offers this service within the application and the I was scammed into this transfer. I have attached both transfer of a total of {$490.00} and can provide a police report of the incident if needed.
Consumer complaint received 2021-05-24
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 — Was not notified of investigation status or results
Company: JPMORGAN CHASE & CO. (TX)

This is a formal complaint against JPMorgan Chase Bank located in XXXX XXXX, TX. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act as well as the Fair Credit Billing Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable account on my credit report and not to mention an account in which I've asked for proof of claim and in which they have not been able to provide, per the FCRA & FCBA. Despite my efforts to resolve this unfortunate nightmare for several months now, JPMorgan Chase Bank has completely ignored my communications and legal submissions to remove this inaccurate information from my credit report. I am well aware of several other complaints filed against this company for their illegal and unethical business practices. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.
Consumer complaint received 2020-08-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (VA)

XXXX Visa Card is supposed to help consumers build credit. Recently while checking my credit I realized that my account was a showing a balance. I was upset because I have been paying my bill in full for the last couple months before the due date. When I inquired with XXXX Visa they told me it doesnt matter if I pay my bill on time they report your current balance. He suggested that I dont use my card until after the XXXX of the month. How can they report a bill that I have not received? Why are they not reporting that I pay my bill in full? This company is a complete joke for repairing credit!!! They are simply ridiculous!
Consumer complaint received 2020-08-29
Product: Credit card or prepaid card — Gift card
Issue: Unexpected or other fees — 
Company: U.S. BANCORP (CA)

I received 3 gift cards for {$50.00} each, but I lost them. I did not contact the company because they were a gift so I had no receipt to help me report them lost. I recently found them again in my house. I went to check the balance and it said {$0.00} on all three. All the money on my cards has been taken away by non activity fees. However, my cards are still valid, they do not expire until 2024. I called the number on the back of card to get information, but they say there is nothing they can do. They just filed a claim to the bank that issues the card, but they will not tell me how long this takes. The customer service agent just said I probably wont get it back, but I can keep calling to see if they returned the money. What kind of confusing information is this?

I asked to speak to someone in charge, but they refuse to connect me to anyone above them and there is no address on their webpage, just one customer service number. There is no complaint department or anyway to contact the main office. I want to report this company  because I really believe they are stealing money from consumers, with these fees on their gift cards. What is the point of buying a gift card if the company you buy it from is just going to slowly take it back until there is nothing left. I have read multiple reviews on several sites similar to mine of people buying gift cards from this company and having the money taken away. Most the reviews say the company does nothing to help. There should be a way of resolving customer issues.This just seems like a scam and it should be looked into. There should be a cap on the fees a bank can charge to gift cards, people spend hard earned money to give them as gifts.
Consumer complaint received 2020-05-18
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CREDIT ACCEPTANCE CORPORATION (TN)

I purchased a 2016 about 2 to 3 years ago and still paying a high monthly payment with a high balance. If I can continue to pay, i would have paid for this used car twice due to high interest rate. This is very unfair and needs to be stopped. When I purchsed the car it had about XXXX  miles and i was in a Chapter XXXX and was not to exceed XXXX dollars. They sold me the car for abouyXXXX and added XXXX in interest. This is so very unfair. I have been struggling to pay XXXX monthly for the last several years and I have fallen behind due to lack of work and a lack of finances.
Consumer complaint received 2020-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

i called the company to inquiry about the Forbearance program due to covid 19 but I did not enrolled on it, they told me that if I get enrolled I would not be reported to the credit bureau. Howver I received a letter from the bank asking my ok for the forbearance program, when I called they told me I was automatically enrolled so I did not need to do anything and no reports where going to be made to my credit. I requested to be cancelled on this program as I never authorize in writting having me put in this program.

Today my credit score dropped from XXXX  to XXXX  becuase they reported the forbereance in my credit report which is not alligned on what they told me.

I never been late on my payments. I request this mark to be taken off my credit report
Consumer complaint received 2020-05-18
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. (FL)

i called the company to inquiry about the Forbearance program due to covid 19 but I did not enrolled on it, they told me that if I get enrolled I would not be reported to the credit bureau. Howver I received a letter from the bank asking my ok for the forbearance program, when I called they told me I was automatically enrolled so I did not need to do anything and no reports where going to be made to my credit. I requested to be cancelled on this program as I never authorize in writting having me put in this program.

Today my credit score dropped from XXXX to XXXX  becuase they reported the forbereance in my credit report which is not alligned on what they told me.

I never been late on my payments. I request this mark to be taken off my credit report
Consumer complaint received 2024-03-25
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: PENTAGON FEDERAL CREDIT UNION (GA)

On XXXX I was charged an annual fee. I closed the account on XXXX and requested the fee be waived as I will no longer have use for the card. They refused to waive the fee and said i should have closed the card before the annual fee was posted. However, no notice was sent before the fee posted. The annual fee is paid for the benefit of using the card this year and since I won't be using it, it should be waived. I was lied to that they never waived the fee in the past. I have had this card in the past and they did waive it. I believe that since the CFPB adopted the new XXXX dollars cap on late fees, Penfed is trying to make money by not refunding junk fees. I am asking for a refund of XXXX dollar annual fee. Also recommending CFPB to review how Penfed is trying to make up for lost revenue due to losing billions in late fees.
Consumer complaint received 2023-03-25
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. (MS)

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items is UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX ; XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ; XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX ; XXXX PXXXX  XXXXBalance : {$490.00} ; XXXX XXXX XXXX Balance : {$0.00} ; Medical XXXX Balance : {$230.00} ; Medical XXXX Balance : {$140.00} ; Medical XXXX Balance : {$110.00} ; XXXX Balance : {$380.00} ; Medical XXXX Balance : {$300.00} ; Medical XXXX Balance : {$220.00} ; Medical XXXX Balance : {$210.00} ; 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 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 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 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 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 XXXXXX/XX/XXXX.
Consumer complaint received 2020-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: All American Check Cashing, Inc. (CA)

All personal and credit reports added to my account are incorrect and needs to be taken off my credit report and payments over seven years old, also need to be taken off my record, all those addresses that were added to my account are incorrect, I never lived in Texas, please correct, I dispute all information needs to be taken off my record
Consumer complaint received 2020-04-30
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 sent a letter into Experian regarding a bankruptcy that they are reporting. I requested the removal of the bankruptcy ( Ref. # XXXX ) on my Experian credit report due to Civil Case No. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I did not know the source of their information on that bankruptcy and due to this, XXXX  has violated the Fair Credit Reporting Act ( FCRA ). This is unacceptable and need to be removed as soon as possible. I also sent in documentation to have fraudulent addresses removed from my report and they are still showing : XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX  XXXX, IL XXXX SINGLE FAMILY
Consumer complaint received 2020-10-29
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TRUIST FINANCIAL CORPORATION (NC)

I have filed two disputes with SunTrust Bank regarding two separate debits through my debit card. The first dispute filed on XX/XX/2020 ( dispute ID XXXX ) and the second dispute was filed on XX/XX/2020 ( dispute ID XXXX ). SunTrust 's stated policy ( and possibly federal law ) requires them to fully resolve each issue within sixty days. Far more than that has elapsed and, although I did receive provisional credits for each charge, they have not yet finalized either dispute. Numerous telephone messages that I've left for their representatives have gone unanswered and numerous written inquiries mailed and e-mailed to them have gone unresponded to. I now seek the CFPB 's assistance in getting SunTrust to formally respond to and resolve these disputes.
Consumer complaint received 2020-05-18
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC (VA)

I have sent several letters to the company asking to send me the below information. The company has changed the amount that is owed and dates several times. to have this to stay on my report trying to force me to pay for a debt that is not mines Thus I am requesting that you provide the following information : History of the above mentioned account from the day it was opened ; the address it was opened at ; this should include all payments and credits made when it was closed and provide the date of cancellation, and payment even after cancellation.

Please provide an accounting explaining how you calculated what you allege that I owe ; Please provide me with copies of any contracts or documents which form a basis for the alleged debt ; Please provide me with all original documentation which shows my signature
Consumer complaint received 2020-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ARVEST BANK GROUP, INC. (FL)

i called the company to inquiry about the Forbearance program due to covid 19 but I did not enrolled on it, they told me that if I get enrolled I would not be reported to the credit bureau. Howver I received a letter from the bank asking my ok for the forbearance program, when I called they told me I was automatically enrolled so I did not need to do anything and no reports where going to be made to my credit. I requested to be cancelled on this program as I never authorize in writting having me put in this program.

Today my credit score dropped from XXXX to XXXX  becuase they reported the forbereance in my credit report which is not alligned on what they told me.

I never been late on my payments. I request this mark to be taken off my credit report
Consumer complaint received 2020-05-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Fig Tech Inc. (GA)

I am a victim of identity theft. When checking my credit report, I noticed debt from a company I had never heard of. I contacted the company to dispute the debt, and asked specifically what form of identification they used to verify the person using my social security number was actually me. They refused to provide that information, and claimed that having my name and social security number was proof the debt was mine. I have never heard of this company. I never took out this loan.
Consumer complaint received 2020-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I recently moved to my new address. My capital card was expired and I did not receive the new one for a long while. My payments were apparently going to the old account. Until I called the company and they resent me a new card to my new address. 
Unfortunately this mistake caused me a late payment on my report and ruined my score big time. Although as soon as I found out about the mistake, i paid my portion immediately and every time ever since the payment was paid on time, my account has not been cleared and the late charge is still on my credit report. This has caused me lots of problems as far as getting loan for my car and be eligible to get good rate on home loans.
Consumer complaint received 2020-10-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Santander Consumer USA Holdings Inc. (GA)

On XX/XX/XXXX Santander Consumer USA settled a multi-state law suit in regards to lending practices for car loans provided to consumers between the years of XXXX to XXXX. This settlement affected 34 states including Georgia. Part of that agreement provided relief for consumer who received loans during that period and Santander Consumer USA and its associated companies Chrysler Capital and XXXX XXXX agreed to the following conditions : Santander will pay {$65.00} million to the 34 participating states for restitution for certain subprime consumers who defaulted on loans between XXXX XXXX, XXXX and XXXX XXXX, XXXX, Santander is required to allow them to keep their car and waive any loan balance, up to a total value of {$45.00} million in loan forgiveness, and Santander will also pay up to {$2.00} million for the settlement administrator who will administer restitution claims, and pay an additional {$5.00} million to the states. The settlement also includes significant consumer relief by way of loan forgiveness. In all, Santander has agreed to waive the deficiency balances for certain defaulted consumers, with approximately {$430.00} million in immediate forgiveness of loans still owned by Santander, and additional deficiency waivers of loans that Santander no longer owns but is required to attempt to buy back. My home state of Georgia is apart of this settlement and I was notified about the settlement by the Attorney General of my state. I was informed to contact Santander Consumer USA. in regards to the settlement. After contact Santander, XXXX XXXX, and Chrysler Capital they informed me to that they were not aware of a settlement and if I had a problem it needs to be disputed through the credit bureaus. I filed a dispute with all three bureaus and instead of investigation the issues Santander and its other companies added additional negative remarks to my accounts which impacted my credit scores which was opposite of what the law suit stated.
Consumer complaint received 2020-10-29
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: UNIVERSAL ACCEPTANCE CORPORATION (NE) (MN)

My open auto loan account with Universal Acceptance Corporation was removed from my XX/XX/XXXXreport all together. I have an XXXX XXXX XX/XX/XXXX I finance through them. I was alerted to a change to my account by XX/XX/XXXX on XXXX XXXX that an account was removed from my report. When I logged in I found that it was my carhop finance account. I asked through email why my account was removed and was told they were made aware and were working with the credit bureau to correct this matter. I have since had no contact from them in regards to this matter. Yesterday XXXX XXXX XXXX I called XX/XX/XXXXdirectly and asked why my account was removed. I was told that XX/XX/XXXX has no access to remove accounts, that has to be done by the creditor directly. I have had many many mechanical issues with this vehicle since I bought it from them on XX/XX/XXXX, which has total more then {$4500.00} in maintenance, fees for backup transportation and tows. Although they have helped with repair costs along the way. When paying over {$10000.00} for a car that is valued at roughly {$3800.00} at time of sale, I expect it to be thoroughly inspected. When issues arise I expect to be referred to competent mechanics if I have to go through those of your choice as stated to me many times. In total my car has been un drivable for at least 5 months and they have had to replace the drive shaft twice due to faulty labor. Its now having issues yet again. I still owe a total of about {$1300.00} and not sure if that is all interest accrued through the payment arrangements set to help pay for mechanics and not be threatened with repossession. Other then being strained for finances due to mechanical issues and an income issue due to covid I have stayed reasonably current on my loan and tried to stay in contact as best I can but even after explaining issues and when to expect payment they have called me every day at times looking for payment ( these issues happened specifically at the time of covid impacting my ability to pay ) and continued to threaten repossession even after chatting online with a representative that stated they had stopped repossession for the time being. The last time my car broke down was from approximately XX/XX/XXXX and wasnt able to be repaired until XX/XX/XXXX. At which time they suggested a couple times I trade my vehicle in, I refused. When my car was fixed I went to another auto dealer and had my credit run at which time I was denied because my score was impacted about 80-90 points I found out due to my loan delinquency during the start of the pandemic. It was about a month after this that my account was as removed from XX/XX/XXXX. Every time I have spoken to them in regards to my vehicle or loan after that they have pushed me to trade in my vehicle. I wasnt sure what area I should file this complaint under but feel this company has engaged in some very serious predatory lending practices.
Consumer complaint received 2020-05-18
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I filled a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit reportsI never received any notifications in regards to the investigation results. It has now been over 30 days, I filed a 30 day demand to comply with the credit bureaus and still have yet to receive any response. 
The Initial dispute was sent on XX/XX/2020 while the 30 Day demand to comply was sent on XX/XX/2020.