davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-06
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (FL)

Chase Business credit card reported a 60 days missing payments in my individual credit report ; This is a business card that was opened for my business, and not for individual purpose ; however, after 5 years to open the account they just included the card in my credit report ; moreover, they reported that I was late 60 days which is incorrect. I have been making my payments on time for 5 years and even making payments higher of the amount that it was due. Chase business credit card services had a missing payment on the month of XX/XX/2024 ; however, the payment was made from one of the accounts that were linked to make payments to the card. This report is hurting my credit and my finances at this time. Chase did not report my good payment history for 5 years, but Chase report this mistake immediately, as i just open the account. It is very deceiving, and other people need to know that they can do the same with them
Consumer complaint received 2020-05-22
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A. (NC)

I was late on a Macy 's credit card bill 35 days. The amount was less than {$100.00}. I did not know I was late because I did not receive a phone call, email or mailed statement alerting me. I rarely shop there but have had my account for over 20 years. I have never been late. I received a notification from XXXX   that Macy 's had reported my account as delinquent. I immediately paid the bill in full and contacted Macy 's collection department requesting that they remove the filing based on my relationship with them and my impeccable payment history. They refused. In my opinion they are violating the Fair Credit Reporting Act.
Consumer complaint received 2018-03-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: PNC Bank N.A. (MD)

I have a PNC credit card with a {$250000.00} limit with autopay turned on to pay the full balance every month before the due date. This last month the balance was over {$100000.00} however their online system only allows a payment up to {$99000.00}. This required a second manual payment to be made. Of course I find out about this after the due date. PNC then charged me {$2800.00} finance fee and a {$49.00} late fee. I spent 1 hour on hold with them, and as of yet they have not refunded the money. I would like my money refunded.

I also believe that there is fraud going on with PNC and their autopay system. How can you give me a {$250000.00} limit and then set me up on autopay, but not accept autopayments over {$99000.00}? When I called, the manager said that I could have made an additional manual payment over the phone or mailed it, that seems silly to me when I have autopay already set up. How can a bank like PNC not have a payment system set up or larger payments? 

I attached the statement for you to see. ( They also charged me interest on the whole amount, even though the majority of the balance was paid on time )
Consumer complaint received 2022-11-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

This is my ANOTHER request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-14
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. (GA)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX CREDIT BUREAUS they are willful negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX AR XXXX ; XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XX/XX/XXXXXXXX : {$740.00}.
Consumer complaint received 2024-04-30
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with cash advance — 
Company: HUNTINGTON NATIONAL BANK, THE (OH)

In XX/XX/2024, following the receipt of my bonus, I proactively wired {$50000.00} from my personal account to reduce my line of credit balance, a step intended to demonstrate responsible financial management. However, immediately after this transaction, all my banking access, including line of credit, online banking and bank to bank transfers was abruptly suspended. Upon contacting my banker XXXX XXXX I was informed that the bank was conducting a routine verification to confirm the source of the funds from my personal account. Despite promptly providing evidence via my bank statement on XX/XX/XXXX, illustrating the wire transfer from my personal private client XXXX XXXX account to my personal account at Huntington, my line of credit and banking services remained suspended. After escalating the matter to the Branch Manager, and providing the same bank statement, the issue persisted, and communication ceased abruptly. Subsequently, I sought assistance from my neighborhood branch manager to address this ongoing concern ( XXXX XXXX ). XXXX informed me the LOC would not be reinstated and I would not receive my {$50000.00} deposit.
Consumer complaint received 2022-11-14
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. (NC)

Notice to Experian CEASE & DESIST FROM REPORTING THE FOLLOWING TO MY CREDIT REPORT I have not given you permission to put this on my credit file, Remove within 5 day. 
or futher actions will be pursude I tried to open up a bank account and you have my social security blocked Cease & Desist from blocking my social so I can apply for a bank account. I never gave you permission to do this. 


Remove the following stament from my credit report within 5 days. XXXX & XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XXXX.
Consumer complaint received 2021-09-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SIMM Associates, Inc. (VA)

I received a letter from SIMM associates about a XXXX account I had back in 2016. I just turned XXXX XX/XX/XXXX of this year and there is no way I had an account with them when i was XXXX XXXX XXXX. I also asked them to provide the last 4 digits of the individual social security number and they were not able to provide that information.
Consumer complaint received 2024-04-29
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE (UT)

My father had significant fraud on his Barclays credit card. There have been significant gift card purchases. My father never purchased gift cards, and I am surprised that the Barclays fraud group never had any fraud flags to the aberrant patterns that were present. My Father passed away on XX/XX/2024. Barclay card refused to get involved because I was not the primary on the account. I provided a POA, but that was refused because it only had XXXX witness. I submitted all of the fraud information to the office of the XXXX on XX/XX/2024. I didn't get any response from the office of the XXXX. Additional Barclay card does not return calls from the XXXX detective that has been working the case. 

I have never seen a credit card company refuse to help a senior and hide behind internal policies that are designed to not take accountability.
Consumer complaint received 2024-03-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Control, LLC (LA)

On XX/XX/XXXX I was sent a collections letter from Credit Control LLC stating I owed over {$10000.00} to XXXX XXXX XXXX  for a credit card opened in XXXX XXXX XXXX I immediately sent a debt verification letter and requested several documents including original signatures be sent to me. The only information provided was a statement of charges. Someone in Delaware opened a business account in my name and charged over {$10000.00} in California and Massachusetts. I do not live in any of these states. It was also opened in a surname I have not gone by in XXXX  years! I have evidence to support my whereabouts on these dates as well. I followed the guidelines on the FTC identity theft website and have been denied by XXXX XXXX XXXX because I can not provide them with the articles of the business. I can not provide something I do not have! I was also informed the thief opened XXXX additional accounts in my name including a checking account which they still can not provide me with a signature or the employee who opened this account.I have also never received anything from XXXX  XXXX XXXX saying I owed them anything when these accounts defaulted. They will also not provide me with information or what is charged on the other XXXX accounts. It is clear that I am a victim of identity theft.
Consumer complaint received 2020-05-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (FL)

I am a senior citizen trying to purchase a home. I have been pre approved for my mortgage pending a release of my credit report from Experian.. All other reports have been done. I am unable to contact Experian in person. I have also sent them a letter as they requested in their website but with no response. There is no way to speak to anyone there to get this resolved! When I spoke with my mortgage broker he told me he has been told by his credit bureau that this a common complaint with Experian. I was also told by a XXXX representative the same thing! This problem has been going on since XX/XX/XXXX and I have already lost out on the purchase of a home that would have met my needs completely!
Consumer complaint received 2024-03-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCB Management Services Inc. (FL)

I get a call every week for the past month plus. I have returned the call more than 10 times. The phone only rings once then disconnects with no vcmail left. When I call back I give them all my information - Name, Phone, Email, SSN. NCB Management Services can not find any account for me and no debit owed by me. I have spoken to supervisors twice. I have asked them to please remove my phone number from their system to stop the calls. I work off my phone for my employment so I have to answer and return every call. It wastes 30+ minutes everytime I call them back. It is not stopping. I have phone records of this happening for over a month now. I would like the calls to stop. 

It is alarming because the phone only rings once and no vcmail is left. It happens all the time. 

Call Log for the last 30 days - FYI - I call alll of these back.

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-09-02
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (FL)

someone from chase CFPB complaint resolutions department called me and imediately started Lying to me by tell me it's against federal law for her to call me at the number i listed in the CFPB complaint. she states that federal prohibits her from calling me on the number listed in my complaint. she also stated that they will resolve this complaint without actually talking to me. Perhaps you could start an investigation into why they won't call me on the number listed on my complaint. Perhaps you can explain to them that people change phone numbers and that i do not wish to be called on my work number for a complaint on my personal account with chase. Also how are they going to resolve a complaint without actually speaking to me. Guess I'll have to close my savings account with XXXX in it and switch to a different bank that knows how to read and follow simple directions. also please inform them that i do not wish to have my checking account updated to an account that has a {$12.00} a month fee and am in fact complaining about a {$6.00} fee they added to my no fee checking account and the fact that they lied about the amount of interest they would pay if i me if i had a checking account and opened a savings account with more then XXXX.
Consumer complaint received 2020-05-22
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

In XXXX I agreed to a payment plan with capital one to get my account on track. I had to call monthly on the tenth to make a payment of $ XXXX I did that until XX/XX/XXXX. Towards the end of XXXX my account was supposed to go back to its normal payment of {$220.00}. It did. Mind you I have been locked out of my account and it literally just got resolved. I log into my account to see that I owe capital one {$320.00} and some change. HOW?! Ive been on a structured plan. Never missed any payments since the structured plan and when I contacted customer service she says its An accumulation of old late fees. HOW?! Im confused on how if my account was restructured so that I could get back on track why wouldnt these fees be added into the increased payments I had to make?! Why would you allow me to get my account back on track just to slap me with all those fees after its on track. Im not sure about the games capital one is playing and I dont like it. How do I know you guys havent been frauding me this entire time. Telling me I missed all these payments when in fact I may have missed 1/2 maybe 3. I would like my entire account investigated from beginning to end because. if you would pull a stunt like this with the additional fees you hit me with when my account is back in good standing then who knows how many accounting errors have occurred on my account on Capital ones behalf!!!
Consumer complaint received 2022-11-14
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. (WI)

The three major credit bureaus are reporting false information about me and my financial status. There are multiple inaccuracies that need to be removed from my report as they do not belong to me. The following is a list of companies and the inaccurate information. 

Transunion : XXXX ) XXXX XXXX XXXX XXXX  ( This account does not belong to me ) XXXX ) XXXX XXXX ( This account does not belong to me ) XXXX ) XXXX BANK ( This account does not belong to me ) XXXX ) XXXX XXXX XXXX -XXXX XXXX  XXXX ( UNAUTHORIZED INQUIRY I DID NOT GIVE WRITTEN OR VERBAL PERMISSION ). 

XXXX ) XXXX XXXX SERVICES XXXX XXXX XXXX ( UNAUTHORIZED INQUIRY I DID NOT GIVE WRITTEN OR VERBAL PERMISSION ). 

XXXX ) XXXX XXXX XXXX XXXX ( UNAUTHORIZED INQUIRY I DID NOT GIVE WRITTEN OR VERBAL PERMISSION ). 
XXXX ) XXXX XXXX ( UNAUTHORIZED INQUIRY I DID NOT GIVE WRITTEN OR VERBAL PERMISSION ). 

XXXX ) XXXX XXXX XXXXXXXX XXXX ( UNAUTHORIZED INQUIRY I DID NOT GIVE WRITTEN OR VERBAL PERMISSION ). 

XXXX ) XXXX XXXX XXXX XXXX ( UNAUTHORIZED INQUIRY I DID NOT GIVE WRITTEN OR VERBAL PERMISSION ). 

XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX : XXXX ) XXXX XXXX XXXXXXXX XXXX ( This account does not belong to me ) XXXX ) XXXX XXXX ( This account does not belong to me ) XXXX ) XXXX BANK ( This account does not belong to me ) XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX ( UNAUTHORIZED INQUIRY I DID NOT GIVE WRITTEN OR VERBAL PERMISSION ). 

XXXX ) XXXX XXXX SERVICES XXXX XXXX XXXX ( UNAUTHORIZED INQUIRY I DID NOT GIVE WRITTEN OR VERBAL PERMISSION ). 

XXXX ) XXXX XXXX XXXX XXXX  ( UNAUTHORIZED INQUIRY I DID NOT GIVE WRITTEN OR VERBAL PERMISSION ). 

XXXX ) XXXX XXXX ( UNAUTHORIZED INQUIRY I DID NOT GIVE WRITTEN OR VERBAL PERMISSION ). 

XXXX ) XXXX XXXX XXXXXXXX XXXX ( UNAUTHORIZED INQUIRY I DID NOT GIVE WRITTEN OR VERBAL PERMISSION ). 

XXXX ) XXXX XXXX XXXX XXXX ( UNAUTHORIZED INQUIRY I DID NOT GIVE WRITTEN OR VERBAL PERMISSION ). 

XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX : XXXX ) XXXX XXXX ( This account does not belong to me ) XXXX ) XXXX XXXX XXXXXXXX XXXX XXXX XXXX This account does not belong to me ) XXXX ) XXXX XXXX & XXXX XXXX XXXXXXXX XXXX XXXX UNAUTHORIZED INQUIRY I DID NOT GIVE WRITTEN OR VERBAL PERMISSION ). 

XXXX ) XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ( UNAUTHORIZED INQUIRY I DID NOT GIVE WRITTEN OR VERBAL PERMISSION ). 

XXXX ) XXXX XXXX XXXX XXXX XXXX ( UNAUTHORIZED INQUIRY I DID NOT GIVE WRITTEN OR VERBAL PERMISSION ).
Consumer complaint received 2020-09-06
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. (NV)

I was aware of this fraud account on my credit XXXX of 2020. I am not aware of where it came from or who used my information. Since XX/XX/2020, I have been trying to get this account removed off of my credit.
Consumer complaint received 2023-03-30
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. Equifax must validate this item 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 item needs to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXXXXXX Balance {$0.00}
Consumer complaint received 2022-11-14
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CNG FINANCIAL CORPORATION (LA)

I received a Notice of Lawsuit letter threatening to sue me for a very old debt from XXXX XXXX XXXX in XXXX, OH. No prior communication stating the debt was due was received. The correspondence does not indicate when the debt occurred or how much was the original debt. It states the amount due but it does not state if that was the original debt amount. I am not familiar with this particular debt. I do not know when or where this debt originated. 

Furthermore, a copy of the correspondence was sent to the XXXX XXXX XXXX XXXX and to XXXX Credit Bureau. I would like to seek damages against this debt collector. 

A copy of the letter is attached. I can be contacted via email, XXXX or by phone, XXXX.
Consumer complaint received 2020-05-22
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: Experian Information Solutions Inc. (CA)

My car broke down so yesterday XX/XX/20 I went to the XXXX dealership and they ran my credit to see if I qualified for the auto loan but I was told I was not approved because of three accounts reflecting badly on my credit history. I looked through my credit report myself to see what accounts they were talking and I realized none of those accounts are mine. I never opened them and I didn't give anyone permission to open them in my name. The accounts are from XXXX XXXX, XXXX XXXX XXXX XXXX & US Bankruptcy Court-XXXX XXXX. I am not responsible for any of these accounts nor do I have any type of written/verbal contract with those companies. I did not benefit anything from these accounts such as money, goods, services or any other benefit.
Consumer complaint received 2024-03-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: AmeriHome Mortgage Company, LLC (TX)

I started the call on XX/XX/XXXX that they have not payed my property taxes out of my escrow for XXXX. They show they sent out the taxes on XX/XX/XXXX and as of today XXXX XXXX has not received them. I have asked numerous times to give me a cancelled check, check number or something to prove to me that these did go out and I can not get this information from them. Called XXXX XXXX and they said these are posted the day they receive them. 

Spoke to XXXX XXXX as they said this was the XXXX party vendor they send the information out to so they can send the checks and they do not have any information on this. 

They called me on XX/XX/XXXX and stated that they spoke to a XXXX at XXXX XXXX and she received the payment and will post in XXXX or 4 days so I asked them if we could get them on the phone with us and XXXX XXXX said they do not have a XXXX that works there and they still have not received my tax payment, so again I get answers from the mortgage company just to get me off the phone with them. 

They always tell me what I want to hear just to get me off the phone. I can not understand why this cant be fixed. 

They also said they would take care of the penalties.
Consumer complaint received 2022-11-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (TN)

I disputed a bankruptcy on my consumer report, and the consumer reporting agency claimed it was through a third-party vendor XXXX. That information was false. My XX/XX/XXXXXXXX consumer report has a freeze, and the information on the report is also in dispute. I have a recorded conversation with an agent from XXXX XXXX confirming they did not verify the alleged bankruptcy with any consumer reporting agency because my account has a freeze, and the alleged bankruptcy is in dispute.