davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-07-03
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: SUNTRUST BANKS, INC. (TX)

I was notified that a personal and business checking account was fraudulently opened online with a bank that I have never even heard of and that does not even have branches in my state. I have never lived at the address they have on file for me which they say they sent debit cards and checks to. I have attached to this a copy of my current lease showing where I currently live. If you check the dates of my lease you will see that I lived at my address long before and after these accounts were opened, abused and closed.
Consumer complaint received 2017-07-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (CA)

This is regarding Costco Citibank credit card payment of {$1200.00} which was received by Citi cards Costco on XXXX XXXX,2017 and was not posted to my account. For over 4 months of communicating with Citibank and repeated faxing of the information requested, I received a letter confirming the credit of this amount with associated interest.. however, when my current statement was received for charges through X/XX/17, none of these credits are reflected and the original amount and interest is reflected as " previous balance '' without any description. I again called Citibank and they have no record of the letter sent to me, nor any record of the numerous faxes sent to them at their request. To add insult to injury, they even took a payment made in a similar amount to another of my card accounts and credited it to the disputed account, without my permission. I am willing to provide copies of any or all of this information on request.
Consumer complaint received 2022-08-02
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL (AZ)

A number claiming to be Synchrony Bank has called me every single day since XX/XX/XXXX and left a recorded robo-message in my voicemail with a call back number. The messages are typically the same, but sometimes they do explicitly refer to PayPal Credit. I have called the bank from the number on their website and confirmed ( using my SSN ) that I do not have an account with them. I have also confirmed this on my credit report. I tried to confirm the validity of the number in my voicemailbox with the main support line on Synchrony 's site, but it was not helpful. I do not have an account with Synchrony, I will not give a random number my SSN, and I'm tired of removing voicemails from a blocked number.
Consumer complaint received 2022-08-17
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: JPMORGAN CHASE & CO. (KY)

I am reaching out in desperation about my incredibly bad experience with Chase Auto Finance. 

I purchased a vehicle off of lease. That's where the problems began. 

I was in the process of moving, so I told them to send the paperwork and registration application to my new XXXX address... 

Chase made an error and sent the paperwork to XXXX with a XXXX form filled out. That was not useful for XXXX registration purposes at all. 

A local XXXX Chase Bank branch manager tried to help. She made phone calls and gave me an overnight XXXX envelope to send to Auto Finance with instructions for them about how to do this properly, along with a prepaid return envelope to send it back to me, trying to make this simple for Auto Finance... this happened on XX/XX/XXXX. 

There's no evidence that Auto Finance actually received that package mailed to the address that the branch manager got after making some phone calls to Auto Finance. 

My out of state plates expire XX/XX/XXXX and I'm gone on vacation XX/XX/XXXX to XXXX, so I need to resolve this by XX/XX/XXXX so I can get my vehicle registered properly. 

Through many phone calls, I'm given an estimated completion date of XX/XX/XXXX. No, that's not good enough. 

This is " expedited '' multiple times and put on " rush. '' The estimate then becomes XX/XX/XXXX. They don't understand what " expedite '' means. 

They finally XXXX me something that arrives today ( instead of using the XXXX label/envelope that they never found ). 

That envelope is simply a Bill of Sale. No XXXX form. 17 days later, I am NO better off than I was on XX/XX/XXXX. 

I called to complain and am told now " we don't fill out state registration forms ''. 

Except Chase DID do exactly that previously... but for the WRONG state. They are unable or unwilling to do this properly in a timely manner. 

Without Chase filling out this affidavit of purchase on the XXXX form, I will have to pay {$1000.00} in additional XXXX  vehicle tax because the actual purchase amount is greater than " XXXX XXXX value. '' The difference between the actual price and the value is about {$16000.00}, so, again that additional ( and unnecessary tax ) is about {$1000.00}. 

if we can not get this resolved, I'm going to pursue legal action against Chase even though it's only {$1000.00} in extra tax. I will continue to file complaints with government authorities at whatever levels I can find. 

Please help me resolve this. 

XXXX
Consumer complaint received 2022-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (VA)

In accordance with the Fair Credit Reporting Act XXXX, XXXX XXXX XXXX in the amount {$430.00} last reported on XX/XX/2022, has violated my rights. 
15 USC 1681 section 692 A - states I have the right to privacy.

15 USC 1681 section 604 A - states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2020-08-05
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: EQUIFAX, INC. (CA)

I have recently checked my inquiries for a car loan I applied for back in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. XXXX XXXX has improperly pulled my credit when I asked for more information about a car in XX/XX/XXXX. On XX/XX/XXXX, when applying for a XXXX, Ive received multiple hard inquiries from multiple banks despite choosing to bank with XXXX XXXX for the auto loan in the end. The multiple inquiries never were counted as one and they are still on my credit report. Furthermore, I recently traded the XXXX in for a XXXX and received an auto loan from XXXX XXXX but noticed XXXX XXXX made a hard pull on my credit report on XX/XX/XXXX. Please remove that inquiry also since I did not end up going with that banks loan. I would like the credit bureau to remove the inquiries that had nothing to do with the loan I ended up choosing to finance my car.
Consumer complaint received 2020-08-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (NY)

The mortgage company that I deal with : Mr. Cooper has continually manipulated my monthly payments by applying my regular monthly payment and, any additional principal I add, and apply that entire amount directly as a principal payment without notice. My last monthly payment ( plus {$100.00} toward principal ) dated XX/XX/XXXX was applied as a principal payment. This situation has  occurred several times before. Numerous times I have had to call and complain. During one of these calls, I was told that if I " signed up '' for online payment on their website that I would no longer have an issue with payments. I did not want to make online payments but, thinking that would alleviate the above issue, I agreed. 
As for the online process, it is straight forward in steps, it clearly asks if you want to make a " regular payment '' and in step 2 it asks if you wish to add extra for principal or escrow. Why is Mr. Cooper not processing my payments correctly? Why are they not notifying me that my payments are not being applied correctly. I believe, because at times I wish to make advanced payments a few months ahead that they take issue with that. Due to the fact that we are all going through unprecedented times I am taking measures to ensure that at least my mortgage among other things is covered, just in case. If Mr. Cooper takes issue with me making advanced monthly payments, they should notify me immediately. 
My mortgage has been transferred 3 times since XX/XX/XXXX. Nationstar/ Mr.Cooper are the only lenders I have had adverse issues with. I do not believe they deal with their customers in good faith including other aspects of a loan, namely, escrow. My last escrow audit was strange to say the least and not explained very well when talking to a representative. During that conversation and on a different issue, the representative said that she would immediately send an e-mail explaining my pay-off amount for my mortgage. The e-mail was never received. 
I wish to respectfully request your office look into the above issue. Thankyou!
Consumer complaint received 2018-11-02
Product: Credit card or prepaid 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: CITIBANK, N.A. (MD)

On Citibank card, I made a dispute and then reversed it. However, the merchant claims that they were not paid. I spent two months going back and forth with the Citibank Trans Fraud asking them to trace where the money was sent. Only information the Citibank can provide me is the reference number that I can supply to the merchant, which is not sufficient information to trace where the money is. 

After 6 weeks of goose chase run around on phone calls, I made a visit to the Citibank. 
One of the bankers helped me to escalate the issue with the executive office. During the process of communicating with the executive office, one of the specialists said the money was sent to XXXX XXXX. However, the merchant claims that they bank with XXXX XXXX XXXX and they have no affiliations with XXXX XXXX. The executive office promised me that they will resolve the investigation within two weeks. 
It has been three weeks and the executive office has been ignoring my phone calls.
Consumer complaint received 2022-10-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (LA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2022-08-17
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. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX ACCT # 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. 

On XX/XX/2022 a fraudulent charge was placed on my account for a subscription of a XXXX show named XXXX that put my account over the limit. 

In accordance with the Fair Credit Reporting act XXXX XXXX ACCT # 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. 

On XX/XX/2022 my credit card was forced over the limit buy no action of mine. The over the limit was created by a finance charge that the company placed on my account on XXXX the XXXX 2022.
Consumer complaint received 2018-11-02
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (CA)

I had a checking account with Chase Bank. I checked my balance and found out my account balance of {$890.00} was showing {$0.00}. I called Chase bank and they referred me to their fraud department. I called the fraud department to report stolen money from my account. After many long phone calls, it was discovered that a ( false ) levy was issued against my checking account. I searched the court and found a ( false default judgment ) against me. I went to a Dispute of levy hearing and received 2/3 of my money back. Later, the case against me was dismissed ( false default judgment ) because I never had a WAMU credit card.

I advised Chase bank, and they never re-opened my account, nor did they refund me the {$95.00} legal processing fee they withdrew from my checking account.
Consumer complaint received 2018-11-02
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. (NC)

I am in disagreement with the negative items listed on my credit report even after investigation..I requested for an investigation because the accounts do not belong to me..The accounts which appear on my credit report, does not relate to any transactions that I have made. It is the result of identity theft..So CFPB remove XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, AND XXXX XXXX XXXX
Consumer complaint received 2022-10-25
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. (LA)

My name XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-08-02
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. (FL)

15 U.S.C 1681 Section 602 A states the right to privacy.

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. 

Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX
Consumer complaint received 2022-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

15 U.S.C 1681 Section 602 A states the right to privacy.

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. 

Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX
Consumer complaint received 2022-08-02
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: Paypal Holdings, Inc ()

I had a company previously on my name. I used pp account using that company which worked for 3-4 months but after that it was limited I don't know why. Now after a year, I have set up a new company which is on my Father 's name. I am My father using all his details on PP as well but as soon as I created the account, they sent me this notification for limit. 
I have been using PayPal to receive payments for my online business and also paid some of my staff using same platform. 
I then got a notice that PayPal is permanently limited I immediately contacted the executive office and was told that one of the accounts I used to make payments to and they linked to me had a limitation hence why i was also banned I feel this was not fair on my part as I can not have control over how other people use their PayPal accounts I just really want my account back
Consumer complaint received 2022-08-17
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. (GA)

I have asked XXXX XXXX XXXX to send me proof that these credit cards was opened by me because it is fraud and they have yet to do so. It has been 1 year of disputing them and they refuse to send me any verification documents, file or procedures used to verify account. This is a violation of my consumer rights and I demand that they delete these accounts today! 

These accounts are causing me to lose out on employment and extension of other credit opportunities. I never gave them permission to use my personal information, they are violating my privacy by sharing inaccurate information with other parties which is identity theft and they refuse to rectify the situation. 

Delete these accounts now : XXXX. XXXX XXXX. XXXX I have included my id so please do not use stall tactics and say that you can not verify me.
Consumer complaint received 2018-11-01
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: Navient Solutions, LLC. (GA)

I have the same payment reported 4 times on my credit report inaccurately. I have tried calling and sending letters. These negative remarks are damaging my credit. The errors are keeping me from renting a house or apartment. My family is displaced from our home because of these errors.
Consumer complaint received 2023-02-18
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. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX Balance : - XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$3300.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00}
Consumer complaint received 2018-11-01
Product: Money transfer, virtual currency, or money service — Money order
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (CA)

Dear Sir or Madame : I was swindled out of {$6000.00} by cashing XXXX Money Orders at Chase Bank in XXXX XXXX. I was " selected '' to be a secret shopper from a XXXX XXXX. 

I was under the impression that the money was good after the bank said it would take a couple of days to clear, which I thought it had. I had cashed one for {$1000.00} a week prior and the bank hadn't reported any issue on that one. 

I received another mailing with 5 Money Orders for {$1000.00} each. Suspicious, I took them to the FBI Headquarters in located at XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX on XX/XX/18 to see if there were any reports on any Money Order scams. I met with a XXXX XXXX XXXX who said there were no reports and the Money Orders looked real. With that, I went and deposited them at a Chase branch on my way home. 

I was under the impression Money Orders had the funds and waited a bit while I thought the teller was checking on each one. I was told it would take a couple of days to have them clear, which it did and moved the funds over to my main XXXX XXXX account online. 

I was to receive a {$200.00} commission for shopping for XXXX XXXXXXXX gift cards at various stores and report back on customer service and take pictures of the serial numbers on each card and text them back to my contact " XXXX XXXX ''. I had explained all this to XXXX XXXX and forwarded him the text messages. He later left me a voice message saying he spoke with colleagues and said it might be a money laundering scheme, but after I had cashed the Money Orders. 

Last week I received notices that all the Money Orders were counterfeit and besides owing them the {$6000.00} cash, I also owe them {$72.00} ( {$12.00} each ) in returned funds fees. I also owe the credit cards I used to purchase the gift cards thinking I was going to use the cash to pay them back. 

I have filed reports to the XXXX XXXX of XXXX XXXX and one Online to the FBI as instructed by XXXX XXXX. 

I don't want this to happen to anyone else and am trying to get my money back from XXXX on {$800.00} of gift cards I didn't send over to the scammers, but all the stores said sales were final. I also received a notice from Chase that I need to repay them within 10 days. 

I don't feel I was represented correctly by Chase and wish to know what my recourse is. 

Best regards, XXXX
Consumer complaint received 2022-08-02
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. (FL)

15 U.S.C 1681 Section 602 A states the right to privacy.

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. 



Account # XXXX Account # XXXX Account # XXXX Account # XXXX