davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-28
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc. (TX)

On XX/XX/year>2023 I signed up for XXXX XXXX for Sunday XXXX ticket @ {$260.00}. I paid it through XXXX and it showed up that day on my XXXX account and came out of my bank on XX/XX/year>2023. The same day XXXX XXXX,2023 it was charged to my Comenity Credit Card which has nothing to do with my XXXX account. I have been fighting with Comenity ever since XXXX to get this removed and credited back to me. 
XXXX XXXX is difficult to reach but after numerous emails I am in receipt of two emails stating that there was not a charge submitted to my Comenity CC and that my account was paid through my bank. They even checked all my email addresses and found no other charge. 
Comenity has copies of the following info : My bank statement showing the {$260.00} came out of my checking account, ( 2 ) emails stating I have paid my account from XXXX, copies of the original charge on my Comenity CC statemnt and several letters back and forth from my self to Comenity. They have continously disallowed the dispute. 
I need someone to contact Comenity and find out how they show I owe this? 
I talked to someone in fraud and they said XXXX verified the charge with another email but wouldn't tell me the email address. 
I used my email address XXXX for my XXXX. I have another address of XXXX but XXXX shows no activity on that email from them. They even checked my husband 's email address and show nothing. 
Please help me. {$260.00} is a lot of money to me.
Consumer complaint received 2024-01-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PA)

Hello My name is XXXX XXXX I reviewed my consumer reports and noticed that i had one late payments on an account that i was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. 

I have never been late on payments for the accounts that i haveincluded screenshot inside this complaint in on dates of ( XX/XX/XXXX  ) ( XX/XX/XXXX  ) Please investigate and provide proof with statements showing that these payments were late. 

If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact i was never late.
Consumer complaint received 2024-04-26
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Groundfloor Finance Inc. (CT)

Hello so my name is XXXX XXXX I was born mute and deaf so I invested in this company called Groundfloor finance with {$230000.00} usd but after my account number was changed which the money came from due to other things someone was trying to take money from it so I request for my account number to change which is a XXXX XXXX XXXXXXXX. But now I want to withdraw my money they are saying it have to be the same account with the same account number in order to withdraw my money which that cant happen because my account number is different. They asked for documents which I provided that is my Passport and selfie of my holding my passport and bank statements for both new and old a account so they said okay everything is fine and I can add any bank account now so I add my community federal savings bank so after I try to withdraw money to it they said I cant withdraw money but I said I explain everything that my account is changed and u guys asked for documents and said I can add any bank of my choice which I did now I cant get back my money. They closed my account and I cant communicate with them and they still have my XXXX now and I cant have access to my money they steal my money and they still have my money. I need my money and u need help!! 


The name of the Company is call GROUNDFLOOR FINANCE Phone Number : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX, XXXX
Consumer complaint received 2021-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

Hello, I was in the process of obtaining credit a few months ago and was made aware of several inaccuracies on my credit report. I reached out to Equifax via direct mail several times to verify the information reported. After several attempts, they have not provided any proof or documentation verifying the information they are reporting. All three bureaus have different information in regards to many accounts with different payments made on different dates, with different account numbers and on-time/late payments for what is supposed to be the same account. Equifax has not been able to verify any of the information reported, they are now simply saying that they have completed investigation but I haven't received anything in regards to the concerns addressed.
Consumer complaint received 2024-02-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Maximus Federal Services, Inc. (NY)

Aidvantage Account # XXXX XX/XX/XXXX Called Aidvantage to request a refund of {$7100.00} in payments made on XX/XX/XXXX and XX/XX/XXXX while account was with XXXX ( previous loan servicer ). Request was put in and told to wait 3 months to be completed. Refund will be issued to the same bank account it was paid from. 
XXXX Called to follow up and after multiple attempts ( put on hold and hang up ) was informed that my request had been denied by the Dept of Education because it was not not processed in time for the XX/XX/XXXX deadline. 
XX/XX/XXXX Called the US Dept of Education @ XXXX to request an appeal as to decision made to deny refund. Representatives informed me that the Dept of Ed does not decide that, it is only the student loan servicer. 
XX/XX/XXXX Called Aidvantage and spoke with another representative and requested to speak with a manager to inquire as to why refund was denied. Rep explained that it was processed per their records XX/XX/XXXX and that a paper check had been sent out. Mailing address was current but I had never received it. Requested to be resent. Rep informed me that process would take 6-8 weeks and to follow up in that amount of time. 
XX/XX/XXXX Called Aidvantage and spoke with another rep to inquire on status of refund check. Put me on hold and hung up.
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects.
Consumer complaint received 2024-02-28
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: GREENSTATE CREDIT UNION (IL)

I went into XXXX XXXX XXXX  and received a loan for a XXXX XXXX XXXX and was not informed of my rights as a consumer. The dealership did explain to me that i was granting " GREENSTATE CREDIT UNION '' security interest in my vehicle. I entered into thi

s contract agreement " without : I. Full disclosure of my right to rescind II. Transparency regarding the process of the consumer credit application being the financial asset ( 12 CFR 360.6 ( 2 ) ) ; III. As well as self-liquidating paper ( 17 CFR 260.11b ( 6 ) ). I have reason to believe that 'XXXX XXXX XXXX '' willingly and knowingly took advantage of me and my consumer credit
Consumer complaint received 2024-02-28
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: ENCORE CAPITAL GROUP INC. (IL)

All of the reporting agencies. MidlandCredit Management. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX for amounts of {$450.00} and {$570.00} these accounts were charged off and sold to this agency, I have asked several times to provide my Signature showing I approved this. I want these accounts immediately deleted from my credit report all reporting agencies.
Consumer complaint received 2023-09-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (OR)

The balance for the group XXXX XXXX is {$6400.00}. These loans were to be removed from my account due to the schools ( XXXX XXXX - XXXX ) closure as a result of the judgement from a class action lawsuit against this school. I have contacted Nelnet several times over the past 7 years to have this addressed. They have consistently claimed this is still pending being addressed, but can not advise on anything regarding this case. I am now required to make payments as of XXXX, and this balance is still on my loans. It is also listed on my credit and needs to be removed. Can anyone please assist me with getting this rectified? They refuse to state anything about the school linked to the loan in hopes I will be forced to pay for something that has already been rectified. Please help. This is preventing me from achieving a good loan to get a home for my children. I am begging at this point for help from anyone. I have even contacted Ambudsman who directed me back to Nelnet. No one is helping.
Consumer complaint received 2023-09-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CO)

On XX/XX/XXXX I was called by a man impersonating Chases fraud department. He was able to execute a fraudulent wire transfer to XXXX XXXX totaling {$7800.00} from a joint checking account that my wife and I have with chase. We contacted chases fraud department on the evening of XX/XX/XXXX to file a claim. We were told that they would contact us in 3-5 business days with the result of their investigation. After waiting 8 business days I called their fraud hotline to get an update and was informed that they had closed their investigation due to the transaction being authorized by me. When I asked why I would authorize a transaction and file a fraud claim they told me that they could try to recall the funds. 2 business days later I called the wire research department to be informed that the receiving bank said that the funds were not available duh On XX/XX/XXXX I went to a local branch and spoke with a banker that agreed with me that chase had dropped the ball. She was able to kick my case up the chain to the branch escalation department. I received a call from the branch escalation department on XX/XX/XXXX who assured me that they would re open the investigation and do what they could to get my money back. On XX/XX/XXXX the branch escalation department called me again to inform me that they had tried again to recall the funds but the receiving bank had once again said that the funds were no longer in the account. I asked why the claim was closed since this was fraudulent and they informed me that because I was targeted by a scam that this was not fraud. I just want chase to fulfill the purpose of a bank and refund my money that they failed tremendously to protect.
Consumer complaint received 2024-02-28
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: REGIONS FINANCIAL CORPORATION (FL)

On XX/XX/XXXX I opened a checking account with Regions using promotion code " XXXX '' which offered a {$300.00} bonus after making {$1000.00} or more in Direct Deposits within 90 days aswell as enrolling in online banking. I have MULTIPLE screenshots of my account opening with this promotion attached. I set up Direct Deposit with my employer, and met all of the qualifcations. In XXXX I still had not recieved my bonus, I called in, and a rep told me she did not see that promotion attached to my account. So I went down to my local branch In person like the rep suggested, and talked with a banker about the issue. I showed her all the screenshots I had, where it CLEARLY shows the promotion attached at the time of account opening. The banker agreed with me, and I sent her the screenshots. She said should would send them off the their marketing department, and reach back out to me via phone within a week. I never got a single call from anyone at Regions about the issue yet. As of XX/XX/XXXX my account is still open, and still has NOT been credited with the money. I would like to get the issue resolved already.
Consumer complaint received 2016-11-29
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CCS Financial Services, Inc. (TN)

Credit Collection Services has charged me for an amount that I do not owe. They are collecting on behalf of XXXX for an amount that I absolutely do not owe ( {$1000.00} ). This incorrect amount is listed on my credit reports : XXXX, XXXX and XXXX and it has and continues to compromise my credit worthiness. I reached out to CCS and tried to file a dispute but was unsuccessful. CCS asked that I provide verification that I had coverage after my Auto Insurance Policy with XXXX canceled in order for them to consider adjusting my account. I did submit proof yet nothing has been done to correct the error.
Consumer complaint received 2024-02-28
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with signing the paperwork
Company: Carvana Group, LLC (MI)

I applied for an auto loan last week and was NEVER approved for the loan. They debited my bank account for XXXX as well as XXXX.! will be contacting my bank today, but would like out government agencies to look into the practices of this business. these charges are taken, not authorized and after asking them why they charged me for a car they had no intentions of giving they had no reasonable answer. they have now taken the funds and will not return them to my account. Not to mention is the federal interest rate cap 21.9 % because they were trying to give me a 25 percent interest rate but couldnt approve the loan. You probably should look into the illegal terms and contracts they are trying to create.
Consumer complaint received 2024-02-18
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC. (GA)

XXXX XXXX Account XXXX XXXX XXXX  account has been charged off and is Currently and Repeatedly updated as Charged off every month.This is an update in the payment history which is to my understanding Charge OFF Accounts should NOT include an active payment history..Need i remind you this is statue of Limitation XXXX XXXX Constantly call my home all day about this account Account was on credit report to be remove XXXX.credit bureau changed the removal date 2times..Please delete account from my credit report
Consumer complaint received 2024-02-28
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX Account # XXXX XXXX  XXXX # XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Iowa XXXX Subject : Complaint Regarding Conflicting Information from Bank Dear Sir/Madam , I am writing to file a formal complaint with the Consumer Financial Protection Bureau regarding the conflicting information I have received from Chase Bank regarding my account. 

I have been a customer of Chase Bank for sometime and have always relied on the bank to provide accurate and consistent information about my account. However, in recent months, I have encountered significant problems with the bank 's communication and have received conflicting information on multiple occasions. 

Despite my attempts to clarify and confirm details about my account, I have been given contradictory information by different representatives of the bank. This inconsistency has caused me confusion and frustration, as I am unable to make informed decisions about my finances due to the lack of reliable information. 

I believe that this pattern of conflicting information is a violation of my consumer rights and the bank 's duty to provide clear and accurate communication to its customers. 

I request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that Chase Bank improves their communication practices and provides consistent and accurate information to all customers. 

I have included documentation of the conflicting information I have received, as well as records of my attempts to resolve this issue with the bank. Please do not hesitate to contact me if you require any further information or clarification. 

Thank you for your attention to this matter. I trust that the Consumer Financial Protection Bureau will address this issue and hold Chase Bank accountable for their failure to provide consistent and reliable information to customers. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-02-28
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. (CA)

When my account was placed on deposit only status I my personal account was suspended in addition to my business account and I was not able to access any funds I was told the IRS HAD TOLD THE BANK TO PLACE THE HOLD ON ALL MY ACCOUNTS, since then Chase has closed one account and sent me a cashier check for the balance approximately XXXX $ now I requested them to close my business accounts as well seeing as though all the accounts were placed on hold together, I have contacted them numerous times an provided additional verification that should satisfy all the necessary requirements for them To release all my funds. This is a violation of my rights an their banking agreements. How can they tell me something different every time a not review this in a timely manner, this unprofessional service is unacceptable and I have lost important customers and business associates because of this.
Consumer complaint received 2021-11-27
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. (FL)

YOU HAVE XXXX days or you are in VIOLATION of this law because I am a victim of identity theft!! And I requested a delete these items as soon as possible! And your company failed to remove unauthorized accounts on my credit report on. The items I need deleted are listed in the report. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the XXXX XXXX XXXX  and I also have enclosed copies of the XXXX XXXX XXXX Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2024-02-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO. (CA)

Ive banked with Chase for over five years now Ive never had a bad check or a bounce check and Ive never had a problem yeah, two weeks ago when I went into the XXXX branch location of Chase Bank I had a check from XXXX XXXX XXXX for a settlement and they refused to cash it in that day. It was raining so I went in drove in the rain to go cash the check to then come back and deposit part of the money, when the lady was being difficult and when I showed her the large amount of money and let her know see its verified. She started to get an attitude with me and started to get unprofessional in which I said dont get rude with me and then she then told me shes going to try to close my account which then I called into the bank phone service and file a complaint letting them know that I do not want my account closed and yet today I just got something in the mail saying that there will be closing my account by XXXX.
Consumer complaint received 2024-02-28
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (CA)

I sent all the verification documents the bank requested stating I was supposed to receive all the tax credits that I received I sent official documents from the IRS in addition to the verification documents from the tax preparation platform that I submitted on. Chase bank is violating my rights an providing me with no proof that the claims they are making are true. I have received no information from the Bank regarding the closure of my accounts as I have requested neither have I received any response from the IRS about my taxes.
Consumer complaint received 2024-02-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (CA)

A debt that was from 2015 was removed from my report last year for being incorrect. That debt was sold to another collector now filing a new collections outside of californias 4 year law to collect a debt. The collection agency JEFFERSON CAPITAL SYSTEMS refuses to prove the debt or remove it from my report which is in violation of the law.
Consumer complaint received 2020-07-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CO)

XXXX ; Experian and XXXX should not be reporting a collection/chargeoff in the amount of {$3400.00} on the XXXX partial account number XXXX. ( Please see page attached from my credit report ; a copy of the settlement letter, along with a copy of my Drivers License and Utility Bill for identification purposes. ) This account was settled and needs to report a {$0.00} balance. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This false reporting of a collection/chargeoff is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ID Analytics, Inc. (CA)

XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, DPT EDXXXX : # XXXX, DPT EDXXXX : # XXXX, DPT EDXXXX : # XXXX, US DEPT ED : # XXXX, XXXX : # XXXX, DEPTEDXXXX : # XXXX, DEPTEDXXXX : # XXXX XXXX DEPTEDXXXX : # XXXX, XXXX XXXX : # XXXX, XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX : XXXX XXXX, 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 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. 15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.