davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-24
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (MI)

I got a call from JP Morgan bank on XX/XX/2022 around XXXX about someone trying to add my account to XXXX XXXX.I told them it wasnt me and not to authorize it.Then around XXXX XX/XX/2022 i received an email saying that someone used my card in XXXX Florida at a XXXX  for $ XXXX.Since i live in Michigan and i was at home at the time of the transaction i called chase bank as soon as i received the notification.I canceled my card, had them remove XXXX XXXX, issue a new card and put in a claim.I phone doesnt even allow me to use XXXX XXXX because my phone doesnt support it.They told me to wait till XX/XX/2022 for an answer about there findings.I received another email XX/XX/2022 saying it was denied and they removed the money.I called chase bank and talked with multiple people about my claim including the manager, they said theres nothing they can do because it was used with XXXX XXXX.
Consumer complaint received 2018-05-27
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: EQUIFAX, INC. (OH)

I sent Equifax a 2nd written request dispute letter on XX/XX/XXXX regarding the unverified XXXX XXXX XXXX collection account on my credit report. 

This letter was sent via Certified Mail with physical Return Receipt, so I was able to verify that Equifax received the letter on XX/XX/XXXX. However, after some weeks and numerous phone calls I quickly realized they had no idea where my letter was. They continued to send me responses from my 1st written request via mail or online but those old disputes were already responded too and resolved promptly. 

Below are notes with the two Equifax reps I spoke with regarding this issue : -- -- -- - XXXX Employee ID # XXXX XX/XX/XXXX XXXX Employee ID # XXXX XX/XX/XXXX Spoke with ( Dispute supervisor ) who refused to give her last name I was told an internal complaint would be filed with the mail dept for the delay in my documents being uploaded to start the dispute status ( they have no contact with this department ) Their dispute process operates outside of the FCRA and is illegal. They don't request for documents validating the debt to the consumer in question and solely rely on the collection company saying " yes or no '' to the debt belonging to the consumer as fact. 

-- -- -- Not only did both of these reps admit that Equifax lost my letter with private personal information contained inside, they put no efforts into my dispute and would rather let it drop and hope I wouldn't pursue it anymore versus owning up to their mistake.
Consumer complaint received 2022-11-21
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (NY)

Chase has stolen my money and is doing very little to return it in a timely fashion. 

I mailed a check for {$55000.00} to XXXX & XXXX XXXX. Someone took the check from the mail, deposited it into a personal account at XXXX XXXX XXXX XXXX  flagged it, held and cancelled/stopped payment on the check. Chase Bank released the funds to XXXX XXXX and is telling me 120 days to get payment back. XXXX XXXX has told me they will expedite returning the funds as soon as they get a claim from XXXX, and I have even provided the contact information to the rep at XXXX XXXX XXXX to help move things along as a small business needs to be paid for the work they completed. I do not have another $ XXXX sitting around to cut another check while I wait for my money to be returned at the mercy of Chases poor and unorganized process. 

I have filed a claim with the Fraud department at Chase at which they have misplaced paperwork, sent a claim to XXXX XXXX without confirmation that it would be received and according to their process does not follow-up. Chase has done everything to impede the process, slow it down or take no responsibility on behalf of their customer when they are responsible for releasing funds for a check that was never processed. 

I requested a copy of the claim they sent to XXXX XXXX at that point Chase told me I need to take legal action against them and subpoena them for a copy of my own claims record. 

This is a horrific banking experience to know that Chase cares little to protect their customers, releases funds for checks that never cleared, and loses personal information sent in to them to process claims. My executive office claim at Chase is : XXXX, the claim to XXXX XXXX  ( which Chase refuses to confirm was even received ) is # XXXX XXXX. 

Please help!
Consumer complaint received 2022-02-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: DISCOVER BANK (AZ)

These following accounts of DISCOVERBANK with account numbers XXXX and XXXX appears to be a charge-off account with a specific balances. The information itself is already an error because a charge-off account should have NO balance. Another thing is that the account was reported twice in XXXX, XXXX and XXXX XXXX. As per FCRA, the bureaus and the furnisher are to provide 100 % accuracy and they are required to give responses and supply documents to confirm the account.
Consumer complaint received 2019-12-14
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: EQUIFAX, INC. (CA)

Equifax refuses to acknowledge that I have Fraudulent inquires on my report even after disputes they refuse to remove. I have included fraud reports and they have left inquires such as XXXX XXXX XX/XX/2019 XX/XX/2019 XXXX  XXXX XX/XX/2019 XXXX XXXX XX/XX/2019 These inquires need to be removed under the FCRA identity theft terms.
Consumer complaint received 2016-04-20
Product: Debt collection — Medical
Issue: Communication tactics — Threatened to take legal action
Company: Hauge Associates, Inc. (IA)

My lawyer, XXXX and Law in XXXX XXXX, did not fulfill duties or of process or communication with XXXX After settlement-one bill arrived and XXXX notice. XXXX contacted me at my former employer via company phone, I offered a payment that fit my budget and was told it was n't enough and legal action would be taken. They hung up. The hospital would n't work with me to set up payment plans ( which they had accepted XXXX or XXXX before this occurred ). I transferred my payments.
Consumer complaint received 2016-05-19
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: TENET HEALTHCARE CORPORATION (GA)

Syndicated Office Systems d/b/a Central Finance Control has placed a collection on my credit report. This was placed on my credit report in XXXX 2016. I have not once received a phone call, notice, statement or any other information from this collection agency. I have called them countless time, mailed letters and send fax to this collection agency. Five months later I still do not and have not received anything about this debt that is on my credit report. 
I have without fail contacted this agency, my attorney has contacted them and neither of us can obtain any information on this debt they have placed on my credit report. 
The amount of this debt placed on my credit report is {$88.00}. I have faxes from myself and my attorney on this matter, letters mailed that were returned to me. Their customer Service Reps. will not speak with me nor with they comply with any request to mail me record of this debt.
Consumer complaint received 2016-11-13
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Big Picture Loans, LLC (IA)

I took out a {$1000.00} loan from Big Picture Loans and was initially told I would pay {$400.00} in a finance charge, but instead they took out {$500.00}. They said I could pay them more on top of the {$500.00} to reduce the principal by a {$100.00}, but the next payment would be {$500.00} another finance charge for the 2nd month. I ca n't afford this outrageous amount.
Consumer complaint received 2022-02-24
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Nelnet, Inc. (SC)

I had private student loans with XXXX XXXX that were sold and transferred to Firstmark around XXXX of XXXX. I am currently in XXXX  school, and some of my private student loans from my undergraduate college loans had run out while they were still at XXXX. I was able to file for extended/hardship forbearance ( NOT COVID-19 related ) over the phone with proof of enrollment data. I was last approved for this in XX/XX/XXXX with Clearinghouse data. I was told Firstmark would be able to check this. I no longer have the secure e-mail from XXXX XXXX 's message center, but I have the e-mail notification that the correspondence occurred ( attached ), and at least one approval notice of this forbearance that I can find if needed. I was assured by XXXX and Firstmark that my hardship forbearance would remain in place until I graduated. This is what is stated on XXXX 's updated student loans website ( XXXX XXXX XXXX/ ) as well. My loans have been consolidated, refinanced, or otherwise modified with Firstmark so XXXX 's terms should still be in place. 

By XXXX of XXXX I received notice that these loans had gone into repayment because there was no standard forbearance time left. When I called and tried to explain that I knew this had been approved for their hardship forbearance with XXXX before the loan was sold, that they should have on file. I was told that " they didn't do that because they weren't XXXX '' and there was " nothing they could do about it ''. I get conflicting information every time I call, and every time I ask to speak to a supervisor or anyone might be able to look up my files I get put on hold/hung up on/told I'd get a follow up e-mail but don't. They keep telling me about what I can do with my student loans under their terms- as if I'd taken it out with them to begin with - when they are supposed to honor the terms I had at XXXX XXXX, including any ongoing forbearance. I have tried calling XXXX to see if they had any records to clear this up, they said they don't have them and that Firstmark should. Firstmark has not made any effort to review my documents or fix this issue and I dont have copies of my hardship forbearance since I filed it over the phone with XXXX.
Consumer complaint received 2020-01-17
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BB&T CORPORATION (FL)

I am seeking help to rid my credit report and my early warning consumer services account of fraudulent accounts. Accounts from XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX, XXXX XXXX, Branch Banking & Trust and XXXX bank have been made in fraud. I am currently contacting each bank but unable to come to resolutions concerning the identity theft. Attempts have been made to open a bank account from numerous banks that I have not authorized. I have completed several police reports and have made a identity theft report as well. 

XXXX county Sheriffs office identity fraud Reference # XXXX. 
Identitytheft.gov reference number XXXX
Consumer complaint received 2022-11-21
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. (TN)

On XX/XX/22, I notified each of the consumer reporting agencies, the secondary reporting agencies, XXXX card and XXXX  that several of my rights as a consumer had been violated. Both of these companies furnished accounts on my credit file without my written permission. I am also a victim of identity theft. It is required under 605 b of the Fair Credit Reporting Act that these accounts be removed and blocked from my credit file within 4 business days. I am demanding that these accounts follow 15 1692 c and cease and desist all conveying of information directly or indirectly to any person through any medium regarding these fraudulent accounts. Also XXXX and XXXX are committing tax fraud by reporting a charge off to my file. They are also reporting information that is not accurate or true.
Consumer complaint received 2022-02-24
Product: Checking or savings account — Savings account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO. (NY)

Had bank account at XXXX XXXX with {$24000.00} in it. Requested a cashier 's check for same amount on XX/XX/XXXX. Deposited the check in my Chase account for same amount via mobile deposit app. Later found that Chase credited only {$21000.00} because the XXXX in the check amount is not as clear as it could be and could be misread as a XXXX instead of a XXXX. Clearly Chase should not have accepted the check for an amount different from the amount I entered online. I then had multiple contacts with the branch and they agree that Chase processed the incorrect amount and said I had to file a claim. I filed multiple claims and provided whatever information I could and yet they continue to deny my claims. After the second claim was filed Chase did deposit the {$3000.00} on XX/XX/XXXX but then reversed that credit on XX/XX/XXXX. I also contacted XXXX bank who says that they processed the correct amount and credited the full {$24000.00} to Chase. My last contact with Chase was last night ( XX/XX/XXXX ) from the " escalations '' department, who stated that my most recent claim was once again denied and they provided no reasoning for this. I am extremely frustrated and do not know where to turn when a big bank is taking my hard earned money from me. I am hopeful that you can assist me in recovering my money. Thanks so much.
Consumer complaint received 2022-02-24
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Foris DAX, Inc. (CA)

I have had the worst luck with crypto.com

1. I got a crypto.com card to buy crytpo with. 2. Learned your cant by crypto with a crypto.com card 3. Tried to use customer service. Failed. 4. I bought crytpo with my own card, they failed to give me any reward purchases as advertised. 5 contacted customer service, could only get canned messages in reply. Filed a complaint.

6. Had my account frozen by customer service after filling a filing a complaint.

7. Bought XXXXXXXX on there site, they we
nt me an email saying half were fake. Promised to return the money, never d

id. 8. Was told I had to wait two weeks for an outcome. 9. Couldnt get to talk to a manager or anyone who could help me. Continue to get canne
d messages as replies.
Consumer complaint received 2022-02-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (NY)

I had lost my wallet with my bank card and identification in it one day I received an email stating someone has deposited checks in my name. I went to the Bank Branch talk to the manager and filed a police report the bank still hasn't done anything about it. Wells Fargo and someone was trying to transfer money to a XXXX card. Now how ever the bank says I owe them.
Consumer complaint received 2022-08-04
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. (FL)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. 
These are the items I demanding to be deleted immediately : 1. Did not consent to authorized this inquiry XXXX XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/2022 Please remove it from my credit report. 
2. Did not consent to authorized this inquiry XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 
3. Did not consent to authorized this inquiry XXXX XXXX XXXX  Date of inquiry : XX/XX/2022 Please remove it from my credit report.
Consumer complaint received 2016-10-24
Product: Credit card — 
Issue: Other — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MS)

This company is reporting inaccurate information on all XXXX bureaus report. I have sent them a letter disputing it. The letter was sent by certified mail. They signed for it and even after the 30 days allowed for them to mark as disputed they failed to do so. They never marked as disputed nor did they validate it. They have violated the Fair Debt Collection Practices Act. I am trying to prevent legal action against them.
Consumer complaint received 2016-05-13
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (CA)

Hi my name is XXXX XXXX I have been trying to get a loan modification with my servicer Ocwen on my property XXXX XXXX XXXX XXXX, XXXX CA XXXX for over 3 years, they have refused to cooperative and they have been engaging in dual tracking and wrongful foreclosure. My property is now in foreclosure and i am facing the possibility of losing my home.
Consumer complaint received 2021-09-01
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: CAPITAL ONE FINANCIAL CORPORATION (NJ)

the following accounts appear on my credit report, without any authorization, they are hurting me Identity Theft XXXX Account Number : XXXX This is not mine. 

13. Identity Theft XXXX  Account Number : XXXX This is not mine. 

14. Identity Theft CAPITAL ONE Account Number : XXXX This is not mine.
Consumer complaint received 2017-03-23
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: CITIBANK, N.A. (PA)

I was enrolled, with out my consent, into " CITI IDENTITYMONITOR ''. They are taking {$50.00} a month, the past4 month from my personal checking account, which they accessed through payment history, with out my consent. I was notified by CITI of this. My claim number is # XXXX
Consumer complaint received 2022-02-24
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. (IL)

XXXX XXXX XXXX has not validated my debt pursuant to 15 USC 1692g. Your claims are false and your company is in violation of the FCRA and FDCPA, as well as TILA. A statement is not a bill. I continue to assert there are billing errors 15 USC 1666. The credit reporting agencies are right to delete the account because under the FCRA they can only furnish a report in accordance with the consumers request. I request that you immediately stop reporting on my consumer report and my co-signers consumer report until you are able to accurately validate the debt.

Pursuant to 15 USC 1692 ( g ) ( 4 ) Validation of debts, if you have evidence to validate your claim that the alleged debt does not constitute fraudulent misrepresentation and that one owes this alleged debt, this is a demand that, within 20 days, you provide such verification/validation and supporting evidence signed and certified under penalty of perjury to substantiate your claim. Until the requirements of the Fair Debt Collection Practices Act have been complied with and your claim is verified/validated, you have no consent to continue any collection activities.

15 USC 1692j states, It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not participating XXXX is causing harm to both consumers, myself and my co-signer by furnishing such forms as described by 15 USC 1692j ( a ) and as such, shall be liable to the same extent and in the same manner as a debt collector is liable under 15 USC 1692k of the FDCPA. and is also liable under the FCRA and TILA.

I am completing and submitting the paperwork to further assert this alleged debt is fraudulent. In the meantime, no late payme
nts may be reported on my consumer report or that of my co-signer or that would be a violation of 15 USC 1681a ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.
Consumer complaint received 2022-02-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL (SC)

I am XXXX XXXX the natural person and Consumer. I'm making this complaint in my behalf and there is no third party involved. On XX/XX/2021 Synchrony Bank ran my credit without my authorization. Resulting in XXXX XXXX decreasing my credit limit from {$7000.00} down to {$4400.00}. Making my utilization very high. Synchrony Bank is in violation Pursuant to 15 usc 1681 ( c ) ( 1 ) ( A ) - credit transaction that is not initiated by the consumer.
Consumer complaint received 2022-08-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

In accordance with the Fair Credit Reporting act XXXX XXXX # XXXX XXXX # XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX  XX/XX/2022 TransUnion XXXX XXXX XXXX XXXX  XX/XX/2022 TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights .

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2021-03-23
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc ()

PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistakes as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX
Consumer complaint received 2022-02-24
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: EQUIFAX, INC. (NJ)

In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX and Account # XXXXhas violated my rights. 

15 U.S. Code 1681 section 602 A States I have the right to privacy.

15 U.S. Code 1681 section 604 A Section 2 States a consumer reporting agency can not furnish a account without my written instructions