davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (IN)

XX/XX/XXXX I received a letter from I.C. Systems regarding an account with XXXX. I did not open an account. On this date, I spoke with XXXX XXXX and XXXX with I.C. Systems regarding account # XXXX and I.C. Systems ( I.C. reference # : XXXX, phone # : XXXX ) did share it was services for location at XXXX XXXX XXXX in XXXX XXXX, NV between XXXX, XXXX to XXXX, XXXX. I do not live in XXXX XXXX, NV nor do I have any family members that live there. We indicated to XXXX that this fraudulent and not my account. She then indicated to go onto XXXX and submit fraudulent submission, which I did. The amount due on the account that was opened is {$760.00}. I also filed a police report with my local police department and filed with FBI 's website. Today, XX/XX/XXXX, I am filing this report with the FTC. I.C. Systems continues to report the collection item as a new account and it having a negative effect my credit profile.
Consumer complaint received 2019-09-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: Comerica (CA)

on XXXX i found out some of the overdraft protection fee charging from my account first is XX/XX/XXXX XXXX dollars and other happen in XX/XX/XXXX another XXXXdollars charging from my checking account and another XXXX dollars overdraft protection fee i talk to the bank i said my saving account have enough money to cover also how come still need to charge that kind of fees i said long time ago i want to close my account your associate told me they won't charge any withdraw fee if i still have direct deposit it should be no problem but now they lie to me keep charging.
Consumer complaint received 2019-09-04
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: PNC Bank N.A. (MD)

On XX/XX/XXXX I tried to send monies to my mother of {$150.00}, & {$2500.00} and she did not receive it. She went online looking for a number to call for customer service to XXXX. After she called a number that was online this is when she was connected with this guy named XXXX. XXXX explained to her that she needs to get me on the phone. Once I got on the call, I was told that he needs to secure my account. The guy sent me a request for another {$2500.00} and I asked why he stated again needed to secure my account and the money will be transferred back to my account. He sent several more requests and I declined because, at this point, I felt something wasn't right. After contacting my bank, they stated nothing was refunded only withdraws. I checked with my mother 's bank that day and she did not receive any of the funds totally {$5100.00}. 
In the beginning, my mom felt this guy was part of XXXX because he sent links to her phone asking to verify her information. He did the same with me. He used this number for me to copy and paste the link and send to him at this # XXXX.
Consumer complaint received 2021-06-25
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: JPMORGAN CHASE & CO. (CA)

I filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I have not received any investigation results.
Consumer complaint received 2022-10-25
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Viking Client Services (FL)

During a visit to XXXX for 11 days XX/XX/2022 to XXXX XXXX I had rented a card with XXXX XXXX ( record number XXXX ) I used my new XXXX XXXX  XXXX credit card with a XXXX Limit. Everything was FINE- the car was filthy and dirty and I gave them a bad review because the car was NEVER cleaned a child had licked their hands and wiped it all over the back windows. Someone had spilled a drink in it and French fries were all down in the seat. Due to flight delay from Florida I should have arrived at XXXX XXXX and instead arrived at XXXX so it was dark and I picked from the 5 STAR group that was left. Regardless, I never complained. I filled the car on the evening of XX/XX/XXXX because Of the extremely early flight back to Florida that cost me over {$50.00}. Fast forward, I had given them a poor review when I got home and noticed on my FINAL receipt they charge me {$20.00} additionally for GAS. This was ridiculous and I put that in my review. MOVE ahead to XX/XX/XXXX I got a notification on my cell phone that SOMEONE fraudulently was trying to charge my card from XXXX XXXX and thankfully my card DECLINED it as fraud. Now, ever since that day I have been receiving ( to the level of HARASSMENT ) almost every other day notices from XXXX that I have an amount due of {$740.00} which is IMPOSSIBLE since I have the finally receipt from them that was emailed to me showing the Credit card that was used on XX/XX/2022. 

Now on XXXX XXXX I received a collection letter from XXXX XXXX XXXX, XXXX trying to collect an amount that I DO NOT OWE. I believe that this is an extremely important matter and I will be forwarding this to the XXXX XXXX XXXX of TX and my XXXX XXXX XXXX to inform them of the situation. I believe that there is a VERY SERIOUS MATTER OF FRAUD taking place or very least Retaliation for the review that was left. I have no idea. I have the final receipt from XXXX and then SUDDENLY in XXXX ( mid ) they are trying to bill me. I ive rented many cars throughout my lifetime and I have never seen a company try to send you a bill a month after the rental thats unheard of there was no problem with my card it was approved when I took the car they had a hold on the money and I have an email showing that that they held that amount so why Im being charged or trying to be charged again looks very very suspicious and now Im being turned over to collection Agency is absolutely appalling these companies are out of control these corporations think that they can do absolutely whatever they want to just regular honest people and that is not going to happen and again both of these companies the collection agency and XXXX this information
Consumer complaint received 2020-08-10
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: JPMORGAN CHASE & CO. (CT)

I received a letter from JP Morgan Chase dated XX/XX/2020 stating that they have decided to not open an account for me. I never applied for any " account '' with JP Morgan Chase and there is no phone number to contact anyone. The mailing address on this letter is also incorrect which leads me to believe this may be fraud. This is very concerning and I do not want my credit affected. The letter states that they used my credit score in making their decision and I should contact XXXX and  XXXX
Consumer complaint received 2020-08-10
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CarMax, Inc. (LA)

Carmax did not adhere to my requested invoice/remedies. I resent documentation giving them an opportunity to cure this invoice yet again. I am federally protected consumer and Carmax has violated me under the provisions of 15 USC 1692 and 15 USC 1681. Please review attached documentation.
Consumer complaint received 2020-08-10
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: ARVEST BANK GROUP, INC. (CA)

Greetings Senators XXXX, I write asking that you assist the XXXX XXXX  to access mortgage lending opportunities. Rates are so remarkably low, to attract the attention of all, UNFORTUNATELY, self employed are shut out. I am the XXXX XXXX of my XXXX XXXX and am considered XXXX XXXX with a 4.375 % fixed 30 ( 6 years old ) ( $ XXXX mortage, {$1.00} XXXX equity, XXXX XXXX  ). I am told anyone with more than 25 % of an XXXX XXXX is considered XXXX XXXX  and banks are not lending to XXXX XXXX. The US mortage market needs help senator. Your consideration of this matter is much appreciated.
Consumer complaint received 2020-08-10
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: CITIBANK, N.A. (TX)

In XXXX, my father opened a credit card with AT & T Universal Citibank for his business. I was added as an authorized user when I became more active with his company to purchase materials, pay bills, etc. I was never responsible for the account or the balance due. According to my parents, the account was closed by my mother with a balance still owed in XXXX. I was told by a loan officer that ran my credit report that I have an AT & T Universal credit card with a large balance listed. After doing some research, I figured out it was my father 's card. The credit card company said they are not able to remove me as an authorized user on a closed account. They also explained that my name is not listed on the account, just my parents. This debt is not mine and its negatively effecting my score and my ability to buy a home. Please assist me!!!!
Consumer complaint received 2020-08-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (TN)

JEFFERSON CAPITAL SYSTEM XXXX XXXX XXXX XXXX XXXX, MN XXXX This company is reporting fraudulent Information on my credit report and the refuse to send me valid validation documents to show I am the owner of this account. The account was supposedly opened XX/XX/2019. The amount showing owed is XXXX.
Consumer complaint received 2019-09-04
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (MI)

I submit Chase Bank is fraudulently extending promotional bonus codes for {$600.00} for opening a new banking account to bring in customers and afterwards finding a reason not to give customers the bonus money. 

On XX/XX/2019, I was appointed by a probate judge personal representative of my mother 's estate. on XX/XX/2019 I went into Chase bank on XXXX XXXX in XXXX, MI. I deposited {$71000.00} into a savings account and {$1100.00} into a checking account for a total of {$72000.00}. Over the years I've received dozens of Chase Bonus solicitations to open up a savings/checking account and receive {$600.00} bonus money. The Chase code # XXXX XXXX XXXX XXXX. The conditions were as follows ; Get {$300.00} when you open a checking account for new Chase checking customers : Open a Chase Total Checking account and set up " direct deposit '' or Get {$200.00} when you open a savings account for new Chase savings customers : open a Chase savings account, deposit a total of {$15000.00} or more in new money within 20 business days, and maintain a {$15000.00} balance for 90 days or get {$600.00} when you do both ( an extra {$100.00} bonus ). When I gave my Chase bonus coupon to the lady who opened the account she indicated the computer would not accept the coupon. I went home and called Chase customer service and they informed me the coupon did not appear as a valid number. I informed the representative ( XXXX ) I have several of these coupons over the years and they came through the United States Postal Service they are genuine. I was referred to a supervisor and the result is Chase Bank is refusing to comply with their advertisement. Chase Bank sent me a Bonus Coupon XXXX XXXX XXXX XXXX with the offer to give me a {$200.00} bonus if I opened a savings account of {$15000.00} within 20 days of establishing the account, I made an immediate deposit of {$71000.00} nearly five ( 5 ) times the amount of {$15000.00}. Upon the expiration of ninety ( 90 ) days, I will have complied with all demands of their advertisement.
Consumer complaint received 2020-08-10
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. (PA)

I am writing to delete the following information attached to my file. The items I need expunged are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be removed to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2020-08-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (TX)

On Wednesday XX/XX/XXXX ar XXXX XXXX ET, we did scan via the chase app and deposit a check into our business account with chase for {$5000.00}, since then we didn't receive the amount, when I called chase to check why it is taking so long, they said there is a freeze on account, and the amount. 
When I asked why? They said you tried to cash a check that written to another business into your business account! 
I said but that's what everyone is doing, and there are many banks don't say anything ( XXXX it, because I did before we asked them to send us the check ) We are XXXX XXXX, and we tried to save time! Instead of talking it 10-15 days to get the money, until the other business cashes its check, then they send us new check from their bank, then mail it, then we received it then we deposit it, then add 2 days to get it available. 

Anyway they are now requiring me to come to any bank branch ( I am overseas now, even If I am home with XXXX I am going nowhere ), and they want me to bring the original check business representative, who are in XXXX city within our state ( Texas ), then go to my banker to vouch that we are not a fraud!!! 
Now I opened this business account online! I don't even have personal or designated banker to talk to. 
And the original business representative said we don't have time to come, and do this! Every bank cashes these checks in same day, it's your problem deal with it! 

Chase didn't even said there was a hold on the account! We figure it out by ourself! 
Their only communication with us was we received the check and we are processing it. 

I have been Chase bank customer since XXXX and before with XXXX XXXX they bought, and in just last 2 month I opened 3 business accounts with them, and this is how they treat us? like criminals! 

All I was doing is to try to save time! Because you know how bad the economy is!
Consumer complaint received 2020-08-10
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AFNI INC. (TX)

Consumer Financial Protection Bureau Complaint # XXXX Filed : XX/XX/2019 XXXX and XXXX XXXX has used AFNI, XXXX XXXX XXXX, XXXX ( Collection Firms ) to attempt to make a collection for incorrect amount. Each time creating a decrease to my credit report. The Creditor : XXXX & Creditor Account # : XXXX XXXX Account # : XXXX.
Consumer complaint received 2020-08-10
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. (TX)

I have sent multiple certified letters to the bureaus in regards to a charge off account that is showing on my credit report by the name of XXXX XXXX. According to the Fair Credit Reporting Act as a consumer I am able to request proper validation that proves that this account belongs to me. The bureau has failed to provide me with any physical evidence that shows that the charge off belongs to me, yet the account is still causing harm to my report. The only " proof '' I receive is what I can already see on my credit report which is the charge off amount. No signatures, the original amount, etc. I keep getting a response stating the charge off is valid, with no proof. I have demanded deletion of the account.
Consumer complaint received 2018-11-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: EQUIFAX, INC. (CA)

Equifax has been non-compliant with removing the unverified account XXXX XXXX which has been deleted by XXXX and XXXX. XXXX  and XXXX have both completed their research and determined that XXXX XXXX was not established by myself but Equifax keeps verifying this accounts. Also, when I called the company they responded that Equifax did not send them all of the verifying evidence to confirm each account is unverified.
Consumer complaint received 2020-08-10
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: JPMORGAN CHASE & CO. (TX)

I have a loan with XXXX XXXX, XXXX XXXX XXXX, and JPMCB CARD. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, and JPMCB CARD with no successful resolution. There was definitely an error on their part.
Consumer complaint received 2020-08-10
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: SYNCHRONY FINANCIAL (TX)

On XX/XX/XXXX I came home and had a court ordered document taped on my door for everyone to see. I was out of the State for a few days because of a family emergency so I am just receiving the notice. I was never contacted by phone by a constable. I left to go out of town on XX/XX/XXXX that afternoon and it shows on the document that it was left on XX/XX/XXXX at XXXX. I was never served by the constables or by certified mail. I live in an apartment complex which anyone has been able to walk by and see the documents with personal information on it. We are in a pandemic right now which funds are very low because I am a single mom. I am being sued by XXXX XXXX which Walmart is the original creditor. The amount I am being sued for is in the amount of XXXX. A few weeks ago a lady came to my door and wanted me to open but refused to identify herself. I live alone with my son and I am taking every steps to avoid being around anyone who is sick with COVID-19. The lady kept telling me I needed to open the door so she could  hand me a document but I told her that I needed to know what this is about and there is no way I'm opening my door for a random person. I asked if she could leave the document and she refused. So again instead of me being properly notified meaning by certified mail or by a constable the court document was taped on my door with personal information and for the apartment complex to see. 

On the court document it says that the petition was filed on XX/XX/2020 but papers was left on my door on XX/XX/2020.
Consumer complaint received 2018-11-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: EQUIFAX, INC. (CA)

Equifax has been non-compliant with removing the unverified account XXXX XXXX which has been deleted by XXXX  and XXXX. XXXX and XXXX  have both completed their research and determined that XXXX XXXX was not established by myself but Equifax keeps verifying this accounts. Also, when I called the company they responded that Equifax did not send them all of the verifying evidence to confirm each account is unverified.
Consumer complaint received 2023-01-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (TX)

They approved transactions on my account, causing me to have over - {$600.00} owed to them. Despite freezing my card, calling them to let them know NOT to approve any further transactions and calling the companies I used to pause transactions, the bank continued to allow every transaction to go through. I racked up so much overdraft fees, I ended up having to pay the bank more money because they would not stop these transactions & they added overdraft fees on top of the same overdraft fees. They refused to take them away & once I was able to pay off the money and get the balance to {$0.00}, I closed the account. I shouldve only had to pay about {$200.00}, instead I payed about {$800.00} and that was only on overdraft fees that had racked up.
Consumer complaint received 2018-11-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY (OR)

I called the bank to ask them if they sent the message and if they did not how were these people able to attach a message to my log in ... .The Agent said it was probably a scam ... My screen went red and I was notified to call XXXX to fix the problem.
Consumer complaint received 2021-06-26
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (PA)

Navient refuses to consolidate three loans in order to attempt to collect three separate payments totaling out around {$2000.00} a month which is not finically possible.

They call my cell phone, my mom 's cell phone and her house all day long relentlessly and from random numbers all day. 

My federal loans were dismissed from being ripped off by a for-profit school as I was never able to obtain a job in my field making what I was promised and I did not receive any job placement services that were promised, I am stuck with these private loans which are like a jail sentence. 

My mother paid on these loans for many years and they have only gone up not down
Consumer complaint received 2022-12-20
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (CA)

I opened a Venmo account and payments were made to me and money transmitted to my Venmo account. Venmo is refusing to allow me access to those funds and the have frozen my account for no reason and the account will remain frozen for 180 days! They continue to accept funds but will not allow me access to those funds! They provide no reason for freezing my Venmo account. This is unfair and predatory business practices
Consumer complaint received 2020-08-10
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. (OH)

I checked my credit report and found accounts that do not belong to me. I am a victim of identity theft and section 605B of the Fair Credit Reporting Act, requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. Under the Fair Debt CollectionsPractices Act, I am allowed to protect my privacy and fromthirdparties. I do not recall giving permission to any third partytorelease myinformation toathirdparty. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA, section 623, subsection ( 8 ) ( D ). The specific information  under dispute is the derogatory nature. I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy, of the information on my credit report.