davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (GA)

On XX/XX/2020 I sent a voided check to my Financial advisor so I could move money between my investment account and my checking account at Chase. 
I dropped the voided check and appropriate TD forms in the Post Office pick-up box at the post office. The letter was then taken from the box and opened and forged and chase processed the {$4500.00} check approximately XX/XX/2020. I reported it to the Chase bank on XX/XX/2020, who reported it to the chase fraud department at that time Since I reported it, I have been getting the run around from the fraud department at Chase. In a conversation with XXXX XXXX the Branch Manager he agreed after looking at the signature card they have online it was forged, and he could see where the void that was written over. 

In talking to the Police detective XXXX from the XXXX police department, he told me today that I was not the only case that they have seen like this. They think they have identified the name used which is a person in south Georgia near the Fl state line. But have not followed up on that yet. Detective XXXX said there is a chance that she was hacked as well. 

Thanks for the help
Consumer complaint received 2024-02-25
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: EQUIFAX, INC. (FL)

On the XXXX of XXXX, 2024 I received a letter from Equifax trying to deceive me by asking me to send them a copy of my personal information like a photocopy of my social and Driver 's License among other documents to " verify '' me in order for them to proceed with the investigation of the issues or inaccurate reports I have told them to fix since they should not be there by law. Also in the letter that I am going to attach here the are again deceiving me by telling me to send different thing to two different addresses. I already have an account with them online. Attached will be the letter they sent me and another letter with my response to them. It seems to me, none of the consumer reporting agencies want to comply with the law by reversing or removing the late payments reported in my consumer report. FCRA 15 usc 1681a 2Ai, 15 usc 1666b.
Consumer complaint received 2022-07-20
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: Creekside Finance, Inc. (NC)

I got a auto loan from Creekside Finance in XXXX NC in XX/XX/2021. The car had problems since day 2. To get the car fixed I had to redo my auto loan in They broke down in XXXX and I told them the location of the car because they werent interested in helping me get it fixed. In XXXX they ran my credit twice without my permission then asks me if I got another car. I did not give permission to run my credit I involuntary gave my car up and still running hard inquires. That is not legal.
Consumer complaint received 2021-08-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

MY CREDIT REPORT WAS RAN WITHOUT MY KNOWLEDGE OR CONSENT. I AM A VICTIM OF IDENTITY FRAUD. 

INQUIRIES : XX/XX/2021 XXXX  XXXX XX/XX/2021 XXXX XXXX XXXX XXXX
Consumer complaint received 2021-06-22
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

XXXX has posted wrong information to my report and refused to remove it has not sent me proof that the information is correct nor has it given me a chance to give any way to call them to speak to a human to work out the wrong information
Consumer complaint received 2020-10-16
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: Experian Information Solutions Inc. (IN)

I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit reports. I never received any notifications in regards to the investigation results. It has now been over 60 days, I filed a 60 day demand to comply with the credit bureaus and still have yet to receive any response. 

Initial dispute sent XX/XX/2020 60 Day demand to comply sent XX/XX/2020
Consumer complaint received 2015-11-30
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (RI)

I attended the University of XXXX from XX/XX/XXXX-XX/XX/XXXX for my undergraduate degree. XXXX loan of my was private through XXXX XXXX, now Navient. When I completed my XXXX degree XX/XX/XXXX to a terrible economy I was allowed a forbearance and then a reduced payment. I was unable to find a full time job for 6 years. In the 3rd year I started working as a XXXX. I was making XXXX dollars XXXX. I had to XXXX to pay this loan each month, but I did it to keep it in good standing. I 've been working full time now, underemployed, for just over a year, and I declared bankruptcy to get rid of old personal debt. Clearly, I 'm struggling. As soon as Navient took me out of " bankruptcy forbearance '' they more than doubled the expected monthly payment. I called several times to ask for help. They took a " financial statement '' from me twice, each time they counted my income differently. XXXX stated I had XXXX dollars a month available cash to pay the loan and another stated I had XXXX. Neither are true. I am scraping by and unable to put anything in savings at all. I offered to pay what I was paying before the bankruptcy, and they refused. I pleaded with them, and I was told that they had done enough for me and now there was nothing more they were going to do.
Consumer complaint received 2020-10-16
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. (CA)

1, XXXX XXXX XXXX XXXX - {$0.00} 2. XXXX XXXX XXXX - {$1200.00} 3. XXXX   XXXX {$0.00} 4. XXXX  XXXX XXXX -! XXXX 5, XXXX XXXX - {$800.00} none of these accounts belong o me I am afraid this is ID theft or sense I have a common name the credit bureaus have my name mixed up.
Consumer complaint received 2017-02-09
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: FINANCIAL ASSET MANAGEMENT SYSTEMS INC (CA)

A party named : XXXX XXXX of Financial Asset Management Systems repeatedly calls my home phone number. And, now, he is telephoning my place of employment. I asked him to stop calling me, but he continues to call. During his call, he will not give any information about the debt that I supposedly owe. He asks me for my social security number and my date of birth. I do not give him the details that he seeks, but he continues to telephone me at home and at work.
Consumer complaint received 2017-03-23
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Stellar Recovery, Inc. (CA)

I attempted to pay a bill XX/XX/2017 to a collection agency Stellar Recovery because it is on my credit report and they advised that they had no record of it. I advised that it is indeed on my credit report under their collection agency name in the amount of {$110.00}. I was placed on hold, the rep came back and still advised that their was no record in their system. I need this debt removed from my credit report. All I have is what is on my credit report so I have attached the report.
Consumer complaint received 2021-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS (OH)

I don't know how to go about getting this corrected so I was told to file a complaint if things on my credit were incorrect. My name is XXXX XXXX XXXX I live at XXXX XXXX XXXX XXXX OH XXXX. My DOB XXXX My SS # XXXX. 
I found an incorrect spelling of my name ( XXXX XXXX ) not name please delete it. I was looking further into my file I found addresses that I never lived at. Please delete the following unknown addresses : XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX CT XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX
Consumer complaint received 2020-10-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: National Credit Adjusters, LLC (TX)

I have reached out to this company several times to formally and legally ask them to remove this inaccurate and illegal account information from my credit report. However, after various formal certified mail disputes they continue to ignore my request. This information does not belong to me and they have failed to verify this debt. 


National Credit Adjust Amount : {$400.00} Date opened : XX/XX/2020
Consumer complaint received 2017-08-14
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Diversified Consultants, Inc. (WV)

XXXX XXXX first contact with DIVERSIFIED CONSULTANTS INC. was informed i owed {$550.00}. XXXX XXXX check credit report a collections was added for {$550.00} predated XXXX XXXX, was not on any previous credit reports. I feel my due process was violated by not sending me a debt validation letter for me to determine if it is a legitimate debt.
Consumer complaint received 2015-05-11
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: PNC Bank N.A. (NV)

I applied for assistance for our mortgage on XXXX XXXX, 2015 via our attorney. Our servicer is PNC. They confirmed our application for assistance was under review and we awaited the response from PNC. We received a letter of denial dated XXXX XXXX, 2015. We are in the process of appealing that finding via our attorney within the allotted 30 days allowed by law. During the timeline when we were under review for assistance, the foreclosure attorney for PNC initiated a foreclosure by recording a Notice of Default on XXXX XXXX, 2015. We are being told this is illegal and it is called dual tracking. Our attorney contacted PNC and they state that our mortgage and property is on hold and a notice of default should not have been filed. Our attorney then contacted the foreclosure attorney, XXXX XXXX and they state they have no info from PNC stating the loan/home is on hold. Both parties say to have the other call them. Neither is willing to call the other.
Consumer complaint received 2016-05-06
Product: Credit card — 
Issue: Balance transfer — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I have a credit card with Capital One. They made me a balance transfer offer, 0 % for 18 months. On Tuesday, XXXX/XXXX/16, via their website, I requested a check to be mailed to me rather than enter the information for the account ( elsewhere ) I want to pay off. 

This morning, XXXX, I received an email saying that my loan had been approved and posted to my account. I logged into my account, and saw that indeed my balance had increased by the amount requested. 

But, I have not yet received or deposited the check. It seemed to me that the loan should not be in effect until I deposit the check. Until then, nothing has really happened. 

I contacted CapOne through online chat to try to get them to reverse the charge ( and the clock starting on the intro rate ) until I deposited the check. Their policy turns out to be even worse than I thought. They told me that it can take up to two weeks for the check to be sent out, but that, indeed the balance posts and the clock starts from the day the loan is approved. 

Think about it this way. When I bought my apartment, I applied for a loan. My loan was approved. But my loan was not in effect until the closing, when funds were actually dispersed to the buyer. 

In this case, they are calling it a loan and have started the clock when the check has n't even left their building, let alone disbursed any funds! 

This ca n't possibly be right. Please make them address this abusive policy for all balance transfer customers.
Consumer complaint received 2022-02-04
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: CCS Financial Services, Inc. (TX)

I am in the process of purchasing a home, I was informed of a collection amount of {$91.00} through XXXX XXXX which is not a company I have ever had an account with. I called XXXX XXXX and they confirmed that my information is not associated with any account previous or current. I then called XXXX to get the collection agency contact information. I called CCS collection on XX/XX/2022 to ask them if I pay this debt ( which has been confirmed to not be mine ) if they would send me a deletion letter. I was told that yes, if I pay this amount in full, I would receive a deletion letter confirming that it would be removed from my account. I still paid this debt that did not belong to me, in order to be able to quickly proceed with moving forward with purchasing my home with the understanding that it would be removed from my report. I have not received a deletion letter, and CCS collection is not responding to my requests for the letter.
Consumer complaint received 2015-08-07
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: JPMORGAN CHASE & CO. (WA)

XXXX sent me an email informing me of a past due account that is effecting my credit score very negatively and Im asking that it be removed due to the following. 
The account in dispute belonged to someone else. 
I was an authorized user for this person due to the fact that he is a XXXX veteran/XXXX, and often times his health prevented him from running errands, grocery shopping, and banking. 
He filed chapter XXXX, and it was final XXXX 2014.
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (GA)

I recently reviewed my XXXX consumer profile and found a hard inquiry from a " non-account '' holding creditor named XXXX XXXX on XX/XX/2023. I did not give permissable purpose thru verbal or signed written consent to view my consumer profile. This may be a case of predatory tactics used by some auto dealers without the consumers authorization. My biggest issue is XXXX XXXX viewed my Lexis Nexis consumer profile while it is under a " Security Freeze '' and furnished data to my XXXX profile. Lexis Nexis violated my consumer privacy rights by allowing XXXX XXXX to view my consumer profile as shown in the disclosure of data furnishers sent to me by XXXX XXXX. I contacted the XXXX consumer reporting agency to dispute and delete the unauthorized hard inquiry but with no resolve from XXXX. This unauthorized inquiry is suppressing my ability to obtain credit and is affecting my mode of living.
Consumer complaint received 2022-02-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: AMERICAN EXPRESS COMPANY (TX)

American Express exposed my XXXX credit score by printing it in my monthly credit card statement with neither my request nor permission. AMEX did so as they informed me they were raising my APR by six points despite my never having been late on a payment and always having paid above the minimum required. I believe it is a legal violation to print my XXXX credit score on a document and then send that document through the mail.
Consumer complaint received 2016-12-06
Product: Consumer Loan — Installment loan
Issue: Shopping for a loan or lease — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (TX)

I currently have a personal loan with One Main .When I opened the loan it was Springs Leaf. I borrowed {$5000.00} and I have never missed a payment in a over a year. The One Main office sent me an offer to borrow {$4000.00}. I called to make an application. My income debt ratio did allow me to make the loan. I needed to make at show {$700.00}. more on my income. I called back to ask if I can apply with a cosigner. I was told they needed to live in the same household. So I called another OneMain branch and told them what I want to reapply with a cosigner and asked if the cosigner needed to live in the same household. I was told it was not necessarily. I was lied to by the loan office I tried to open my loan. I have account there now. This office is denied my loan based on a lie. Because it is not necessary for the cosigner to live in the same home coordinating to the second OneMain Branch I called.
Consumer complaint received 2017-05-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

On approximately    XXXX   XXXX     2017 I mad e the required payment and extra. On   XXXX   XXXX    2017 I  made another payment for    XXXX   XXXX     2017, it w as applied to the principal. I spoke with The company  XXXX   XXXX   XXXX ,  XXXX  representatives on three occasions about   XXXX   's payment being wrongfully applied to the principal and each person assured me that it will be corrected. I have received late fees and other fraudulent fees. On    XXXX   XXXX     2017 I reve iwed my credit report to discover that  XXXX   XXXX   XXXX  list the account as delinquent for  sixty  days. I called the company again and the representative hang up.
Consumer complaint received 2015-08-11
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO. (NV)

There were withdrawals being made from my bank account at Chase Bank, the origin being XXXX XXXX bank. This was an automatic withdrawal that had not been approved by me. I did not become aware until more than 6 months later when I checked my statements. I had put my trust in this bank, that they would notify me of any unusual activity, since they told me they would when I opened up my account with them. which they failed to do. Upon contacting Chase, they told me it was from a dealership. They made XXXX different withdrawals, for an amount {$800.00} every month. I have contacted Chase on several occasions to inquire about the exact dealership as well as the name the person who is making all these withdrawals, and they have refused to give me any information except to tell me that they are only returning 3 months worth of withdrawals. I also let them know about another withdrawal that had been made for almost {$500.00} from XXXX, which I do n't have an account with either. I have pleaded with them for help, and even let them know I would be contacting other mediums if they refused to help. I have proof of the vehicle that I owe nothing to any dealership under my name. I have also contacted XXXX to make sure there are no accounts currently in my name to prove I did not pay those. I also can prove that my residence is not the one that my account paid for. I contacted XXXX and was told that Chase would be the only one that could reverse that charge. I am hoping that there is something that you can do for me, because these funds are mine, and I have NOT authorized for anyone other than myself to use my account for any purposes.
Consumer complaint received 2016-12-25
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: JPMORGAN CHASE & CO. (MS)

This creditor is stating that account is XXXX past due with no payment The payments were made on time but they credited to wrong account. I faxed them copies of amount and dates of payments. They said that corrections would be made to account in XXXX days. Its been XXXX weeks. I need it fixed. And there are XXXX incorrect addresses that i have NEVER used.
Consumer complaint received 2016-08-13
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A. (OH)

My income was cut in half, so I was struggling to make my mortgage payment. I contacted CitiMortgage and started the process to get a modification so my payment would be lower. I complied with everything they asked in a very timely manner, although the paperwork was very oppressive and time consuming. I was told XX/XX/XXXX, that the modification was approved and all I needed to do was keep making the modified payments. Three months later, they sent a letter accusing me of not making payments and threatening me with default. I have been fighting them ever since. I have made countless trips to my bank to get copies of cancelled checks to CitiMortgage, to prove over and over that I have made payments that they accuse me of not making. Although I have complied with them on every ridiculous request, they have cancelled my modification and they are demanding over {$3000.00} by XX/XX/XXXX or they will start foreclosure proceedings. They say I can reapply for a modification, but I fear going through the same thing over again. The stress of fearing losing my home is horrible. From the date of purchase until now, I have never even been late on a payment, and my bank records prove that.
Consumer complaint received 2024-01-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (AL)

They current have on my credit report that I'm late for XX/XX/XXXX and XX/XX/XXXX. I'm 30 days for XXXX and its paid. XX/XX/XXXX was due on the XX/XX/XXXX and it's not set to be 30 days late until XX/XX/XXXX and XXXX shouldn't be late because it's not due yet. THe pay status should be current pay as again and the XXXX pay should be 30 days late XXXX should be okay and XXXX should be deleted and current balance
Consumer complaint received 2022-02-04
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: Experian Information Solutions Inc. (AZ)

EXPERIAN broke the law. As you can see in both documents attached I was denied for XXXX XXXX credit cards I applied for. Both denial letters stated that they denied me because the credit utilization on account that were furnished by EXPERIAN were too high. Pursuant to the XXXX, Credit Reporting Agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. Key word ASSUME. Because EXPERIAN assumed the role and reported information I never gave expressed written consent to be furnished on my credit report and file, I was denied credit that is my birthright to receive, violating XXXX XXXX XXXX ( XXXX ) ( XXXX ). XXXX XXXX and XXXX XXXX 's denials have caused my life much emotional, mental and financial stress. EXPERIAN has violated my rights as a federally protected consumer under XXXX XXXX XXXX XXXX.