davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-07-23
Product: Money transfers — Domestic (US) money transfer
Issue: Other transaction issues — 
Company: JPMORGAN CHASE & CO. (FL)

There was a bill pay processed from my JP Morgan Chase account on XXXX/XXXX/2016. The funds were directed to a closed account with XXXX Card Services. The funds ( {$3000.00} ) were processed on XXXX/XXXX/2016 at XXXX EDT. There is not a trace number available. The funds were accepted at XX/XX/XXXX at XXXX am. When I noticed the funds had not gone to the correct account I went into the local branch and spoke with XXXX XXXX Chase Private Client | Private Client Banker | XXXX ID XXXX | XXXX XXXX XXXX XXXX XXXX, XXXX , FL XXXX at which time she told me there is nothing that Chase can do and to contact XXXX. Which we did and XXXX opened an investigation. The account number it was sent to is a XXXX account, however, it was always sent to XXXX Card Services. I 've contacted XXXX, they sent me to XXXX XXXX and NONE of the XXXX banks involved claim receipt of the {$3000.00}. I spoke with XXXX persons on the phone with JP Morgan Chase ( XXXX - online banking who sent me to XXXX with Senior Services who sent me to XXXX with online claims ) and none were willing to tell me where to funds were sent, only that they were accepted but not by whom. They closed my investigation without offering to do anything. I consider this discrimination for being a small account and a female. It is theft. Chase is withholding information from me as to where the money is located. The funds are somewhere in virtual land and someone is collecting interest or enjoying a vacation. I have been patient as it has been over two months. I have nowhere else to turn. I spoke with XXXX people at XXXX XXXX and XXXX people at XXXX Card Services on the day of XXXX/XXXX/2016. There is no account in my name, social security number, or account number at those institutions. This is absolutely unacceptable and there is ALWAYS a way to track a transaction. My husband is director of information security with XXXX XXXX. There is a way to locate my money. At this point in time it is theft and JPMorgan is being dishonest and discriminatory.
Consumer complaint received 2016-01-01
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (OH)

I have filed XXXX disputes with Equifax within the past 90 days for a negative account that is listed twice on my credit report. It is obvious that there is a mistake because of the matching information ( creditor, account number, individual account, installment account, secured, balance, date opened, pay status, date closed ) on XXXX of these accounts. Equifax supposedly has verified that the account information is correct and XXXX accounts still remain on my credit report. This is inaccurate information and I do n't understand how it can be verified as correct TWICE when it is obviously incorrect! How can I get this removed if Equifax claims that the accounts are verified and accurate? 
***Also, I had the exact same problem/issue with my XXXX credit report. I filed a complaint with CFPB last month ( case # XXXX ) and XXXX FINALLY agreed that there was a duplicate negative account listed on my credit report. They agreed to remove on of the accounts. Thank you so much CFPB for all of your help and, hopefully, I will have the same positive outcome with Equifax.
Consumer complaint received 2017-01-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: GREAT LAKES (DC)

Did not apply payments and overpay amount in excess {$65000.00} Pay more than had to Hurt credit from XXXX to XXXX Mis reported to credit reporting agencies Imposed repayment burden Reflected bad information Processed paymentincorrectly and failed to act on various complaints They were put on notice to disputed amount base on qualifying academic achievements and 100 % relief scholarship eeligibility
Consumer complaint received 2022-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (OH)

I have recently reviewed my credit report and noticed some unauthorized accounts on my credit report and under 15 United States Code 1681a ( XXXX ) You guys assumed this role without permission not only that you did not have my consent. You guys did not respect my right to privacy which is under 15 United States Code 1681a ( XXXX ). You did not exercise your grave responsibility, you were unfair, you were partial. I am filing a CFPB complaint, and shortly I'll be filing an Attorney General complaint. You never had a permissible purpose Under 1681b ( XXXX ). I never instructed you guys to furnish this report and I never consented to this report in the first place. What I am demanding right now is that you guys delete all of these accounts off my report. I was impacted by the data breach and my credit scores have suffered.
Consumer complaint received 2017-02-22
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: AMERICAN HONDA FINANCE CORP (FL)

I was turned down for a loan by Honda Finacial Services XX/XX/2016 there number was XXXX. Honda Finacial service number is XXXX. I requested an explanation from them of why I was turned down and a copy of the credit report from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX. XXXX. I did this by sending them a copy of the form letter to both companies. This was done in XX/XX/XXXX I mever heard back from either company it has been over 60 days.
Consumer complaint received 2024-01-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

Not too long ago I reviewed my credit report and was sent into a XXXX  XXXX when I saw the accounts that were being misrepresented on my credit report. The bureau is clearly not doing their due diligence to ensure that whatever is being reviewed and reported by them is 100 % accurate and this is taking a huge toll on my personal life and need this fixed so I can get my life back on track.
Consumer complaint received 2017-02-27
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: SMITH, ROUCHON & ASSOCIATES, INC. (AL)

This company called and without taking any security measures regarding my private information, spoke with someone other than myself about very detailed medical information from several hospital visits. It is also my understanding that this collection agency has full access to the local hospital 's database for purposes other than collecting past due medical bills. When asked to verify debt, the company mailed screenshots of my medical charts from the hospital 's database which was obtained by the debt collector having log in access to patient records. This information was also disclosed to me during a meeting with one of the customer service representatives at the hospital being referred to.
Consumer complaint received 2024-01-25
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. (IN)

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still accounts that need to be addressed again and corrected immediately. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. Please update or resolve the following inaccurate accounts in my report : 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 XXXXXXXX
Consumer complaint received 2017-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Accurate Background (OK)

ACCURATE performed a background check on me for clearance to enter a building owned by  XXXX , where the new  XXXX  offices will be housed. The background check indicates that I have an  AKA  of  XXXX   XXXX , which is incorrect. This name has showed up on past credit reports. Ther e may have been a likeness of social security numbers resulting in the error, or it may h ave been someone trying to obtain medical coverage or other type of identity theft.     Second, the report shoes incorrect timeframes for my residing at  XXXX  addresses. Although I did reside at those places, the time was n't for the duration shown. There were other addresses in between.
Consumer complaint received 2015-10-15
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

They call me ( from A LOT of different numbers EVERY day ) every day. E V E R Y day. I owe no one anything. I had my accountant ( a few years back XXXX help me fix all of my debt problems and now have a credit score of XXXX ... who ARE these jerks???
Consumer complaint received 2015-11-25
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: PORTFOLIO RECOVERY ASSOCIATES INC (VA)

This company continues to call almost every night, sometimes twice a day looking for a person that I do not know. I have picked up their call to notify them not to call any more in the past. Since they change the number all the time, it 's not possible to block their call through my phone company. 

The company has been harassing me with unwanted calls for about year. Most of their calls occurred during dinner timeHere is call log showing last few days. 

PORTFOLIORECOVToday XXXX XXXXPORTFOLIORECOVToday XXXX XXXXPORTFOLIORECOVXXXX/XXXX/2015 XXXX XXXXPORTFOLIORECOVXXXX/XXXX/2015 XXXX XXXXPORTFOLIORECOVXXXX/XXXX/2015 XXXX XXXXPORTFOLIO RECOVXXXX/XXXX/2015 XXXX XXXXPORTFOLIO RECOVXXXX/XXXX/2015 XXXX
Consumer complaint received 2021-09-03
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: Continental Finance Company, LLC (NY)

I have called several times about my card declining when i use it for online purchases and i store purchases. I keep getting my card locked and supposedly noted to the account details so that it doesnt happen again but its just a vicious circle calling and waiting calling and waiting calling and waiting with broken promises and i also paid the annual fee early. never had such bad service in my entire credit card experience.
Consumer complaint received 2015-08-22
Product: Credit card — 
Issue: Late fee — 
Company: JPMORGAN CHASE & CO. (CA)

I have recently opened a Southwest Credit Card with Chase. As I opened my account and set up payment options online, I have initially by mistake chosen minimum payment on auto payment option which I realized after the first billing cycle. Immediately after realizing that, I changed my auto payment option to full payment and contacted Chase to see if they can waive the interest fee that was charged on the account since I only paid minimum requirement. The call center representative was not cooperative at all on the phone and did n't waive this fee when banks that I used credit card before had been cooperative when I had a similar issue before. Since then even if my full balance amount was deducted through auto payment, I continued to accrue interest rate which suggested me that the auto payment option was not paying my full balance and interest continued to accrue. I recalled the call center to explain the situation and the representatives were n't cooperative again. I will be closing my account with Chase but since this will impact my credit report, I wanted to file a complaint about this matter.
Consumer complaint received 2022-09-05
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: Shellpoint Partners, LLC (CA)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX  XXXX XXXX XXXX XXXX XX/XX/15 Balance : {$270000.00}
Consumer complaint received 2023-03-28
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. (FL)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. XXXX XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose According to 15 USC 1681 I have the right to privacy 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

According to 15 USC 1681s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
Consumer complaint received 2015-07-25
Product: Credit card — 
Issue: APR or interest rate — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WI)

On statement XXXX XXXX - XXXX XXXX, 2015 with a balance of {$8500.00} and Total Minimum Payment Due of {$150.00} a payment was made on XXXX XXXX, 2015 in the amount of {$7000.00}. With an outstanding Balance of {$3800.00} at 14.99 % APR and an additional outstanding Balance of {$4700.00} at 5.24 % payment in excess of the Total Minimum Payment Due was not properly applied to balances with higher APRs before balances with lower APRs. 

With this {$7000.00} payment, per Federal Law and per Bank of America written policy I should not have any balance remaining on the 14.99 % APR. 

As of XXXX XXXX, 2015 ( statement XXXX XXXX - XXXX XXXX, 2015 ) there is still an outstanding balance subject to the 14.99 % APR. This is not correct, with a payment of {$7000.00} on XXXX XXXX, 2015 ; the entirety of the outstanding balance at 14.99 % should have been {$0.00}. Instead, Bank of America allocated the excess to the smaller APR of 5.24 %. 

Per the Credit CARD Act of 2009 SEC. 104. APPLICATION OF CARD PAYMENTS. Section 164 of the Truth in Lending Act ( 15 U.S.C. 1666c ) is amended -- ( b ) APPLICATION OF PAYMENTS. -- '' ( 1 ) IN GENERAL. -- Upon receipt of a payment from a cardholder, the card issuer shall apply amounts in excess of the minimum payment amount first to the card balance bearing the highest rate of interest, and then to each successive balance bearing the next highest rate of interest, until the payment is exhausted. " Per Bank of America BankAmericard HOW WE ALLOCATE YOUR PAYMENTS - Payments are allocated to posted balances. If your account has balances with different APRs, we will allocate the amount of your payment equal to the Total Minimum Payment Due to the lowest APR balances first ( including transactions made after this statement ). Payment amounts in excess of your Total Minimum Payment Due will be applied to balances with higher APRs before balances with lower APRs.
Consumer complaint received 2024-01-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (DE)

On XXXX XXXX, 2023 I sent a report to Experian and they are saying that my credit report should remain as is. They are saying that even if they didn't remove the wrong items that it's ok it doesn't matter but i want them taken off of my credit report. Accounts listed are XXXXXXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX I am very dissatisfied with this company because they have Shown me the lack of work ethics. They have also violated 15 USC 1681e ( b ) as well as laws 15 USC s-2 ( a ) @ ( b ), and 15 USC 1681i ( 5 ) ( a ) ( i ) @ ( ii )
Consumer complaint received 2022-09-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (DC)

In accordance with the fair repair reporting act bankruptcy XXXX Has violated my rights 15U.S.C 1681 SECTION 602A STATES I have the right to privacy 15 u.s.c 1681 Section 604 A Section 2 States It also states that a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2017-03-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (GA)

I have XXXX medical collections showing on my credit report as " unknown '' creditor. I have notified Equifax on several occasions that these do not belong to me. I have n't been to a doctor or hospital in the past 9 years. Since the creditor is n't listed on my report I ca n't even dispute them with the creditor. This is totally unfair to me because I pay my bills on time and have excellent credit except for these erroneous accounts. It is making my insurance premiums higher, I ca n't apply for credit and it effects my job search.
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

I've recently checked my credit report and noticed some inaccurate account reporting. I contacted the credit bureau and they failed to follow-up with my complaint of multiple unauthorized inquiries.
Consumer complaint received 2016-10-11
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

I received a letter from Citizens Bank stating that there was an error in a closed account of mine, and that pursuant to a Consent Order from 2015 entered into with your agency that they were sending me a check for {$4.00} with no explanation or documentation to evidence how this amount was arrived at. I believe that the check amount is incorrect and have requested that they provide me with complete documentation.
Consumer complaint received 2024-01-25
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Neon Newco Corporation (MN)

My brother, XXXX XXXX XXXX  on XX/XX/XXXX. His wallet was stolen on XX/XX/XXXX. I spoke to Netspend in XXXX to inform them of my brothers death and his wallet being stolen. I could not do anything until his death certificate was issued. 

When the death certificate was issued, I contacted Netspend on XX/XX/XXXX. I was informed what information needed to be sent to them, I was given the case number and I would hear from them in 10 days. I sent in my brothers death certificate, a copy of my passport, a picture of me holding my passport and an additional document that was not required, Affidavit of collection of Personal Property to show that I was his sister. 

XX/XX/XXXX I called Netspend to get and update. Yes they received the documentation I sent. They need a few more days with their investigation and to please call back on XXXX. Unable to understand the gentlemans name. 

XX/XX/XXXX I call Netspend. This time I am informed that there is {$0.00} in the account and nothing owes to me. I said that his wallet had been stolen on XX/XX/XXXX. He got his XXXX check on XX/XX/XXXX and another one was deposited a couple days later. I know for a fact there was money in the account. I need to know the transactions that happened after he died. I was told that I was not privy to this information. They didnt care if I needed it to be able file a police report. Because I didnt know the answers to his secret questions nor his card number, even though I proved I am next of XXXX, they told me to get power of a attorney however they did not know how I was going to get XXXX XXXX to give me power of attorney. I did inform them, that I know, that there should be a couple dollars left if funds were with drawn as there is no way to get an account to {$0.00} by using an ATM. 
I ended the call.
Consumer complaint received 2022-09-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (LA)

My name is XXXX XXXX XXXX and Your agency Violated my rights to privacy. The law you are violating is clearly here. The civil liability law which i will sue under is clearly here. 

15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
Consumer complaint received 2019-05-21
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: EQUIFAX, INC. (GA)

i reach out to you guys regarding some items on my credit that are still not mine XXXX XXXX XXXX and XXXX XXXX XXXX. Please remove these items from my credit. I've already reached out to the FTC and my local police. I'm doing this on my own behalf. There are still items on my credit that are not mine.
Consumer complaint received 2016-04-13
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: ERC (MN)

The company ( ERC ) contacted XXXX of my family members ( including my wife, sister, mother, XXXX daughters, and my sister-in-law ) about an alleged debt to XXXX, using language that suggested they were a law firm. They specifically referred to " legal papers '', and gave a " case number '' to the family members. They made these calls after first calling me and leaving a voicemail message.