davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-10-05
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO. (CA)

Today I went to chase bank in XXXX XXXX at XXXX to open a bank account. I was told to have a seat and someone would be right with me. After waiting about 25 minutes I wanted to ask if someone was available to help me, so I approach a young blonde female and as I approach her window she walked away to talk to a young XXXX XXXX female. As they were smiling and trying to avoid me I felt so upset I walked away but as I was walking away I noticed the blonde female walking back up to the window so I head up to the window again and as I 'm walking towards her I notice the young XXXX XXXX female duck down and disappear as if trying to avoid me. All I wanted was to ask for some help. So then the blonde female walks out behind the window I manage to get her attention and let her know all I want to do was ask if there was anyone available to assist me. The female was very rude and I have NEVER felt so humiliated in public! I could n't believe how unprofessional these ladies were toward me. There is no excuse for the poor customer service I received today. I ended up just walking out because I felt so embarrassed. I ended up driving to XXXX to get some help. But I will NEVER go back to you XXXX XXXX location nor recommend it to anyone based on my experience today!
Consumer complaint received 2016-12-12
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: JPMORGAN CHASE & CO. (CA)

i have opened a 2013 auto loan that is no longer active, but it is still on my credit report as a charge off profit write off. I am just trying to maintain my image and credibility. I just need this account that no longer serves a purpose, off my credit report please. By the way, if this fix is delayed, i will lean toward litigation.
Consumer complaint received 2016-03-01
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: R & B Corporation of Virginia (VA)

I noticed i had XXXX bills on my credit file that i have no contract with never applied for no service with them have no knowledge of these accts. XXXX is for {$350.00} and another for {$55.00} I told them that they have violated my rights by putting these derogatory items on my Credit did not give them my consent and this fraudulent information was put on without contacting me before placing these items on my reports.
Consumer complaint received 2022-02-03
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc. (FL)

XXXX / XXXX / {$6000.00} XXXX XXXX / XXXX / {$1800.00} XXXX XXXX XXXX XXXX / {$980.00} XXXX XXXX / XXXX XXXX {$1300.00} XXXX CARD / XXXX / {$4200.00} XXXXXXXX XXXX XXXX XXXX / {$0.00} XXXX  / XXXX / {$0.00} XXXX XXXX/ XXXX / {$0.00} XXXX  / XXXX XXXX {$0.00} XXXXXXXX XXXX / XXXX XXXX {$4400.00} 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 2 ) PROMPT NOTICE OF DISPUTE TO FURNISHER OF INFORMATION ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 
( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ).
Consumer complaint received 2016-12-12
Product: Credit card — 
Issue: Billing disputes — 
Company: PNC Bank N.A. (MI)

I opened a PNC bank visa card in XXXX with a promotional rate of 0 % interest on purchases for the first 9 months. However, PNC bank has been charging me interest since my XXXX statement, the first actual statement with charges. I have contacted them numerous times and PNC bank refuses to provide an explanation. I have disputed the balance with XXXX and XXXX, being very clear that the balance was PNC bank was reporting ( adding interest ) was wrong. However PNC bank replied to the credit bureaus that the amount they were reporting was accurate. There is no way in this universe that PNC Bank has not recklessly violated federal laws and breached the contract they drafted with me. This reckless and unscrupulous behavior has n't stop there. I had unauthorized transactions on this same Visa card, I reported them via phone and through there own secure message center on XXXX/XXXX/2016 however PNC refuses to at least temporarily remove those charges until completion of their investigation. Additionally, PNC bank reported the balance to the credit bureau by including the disputed transactions. I truly do not believe this to be an isolated incident. My daughter has filed complaints against PNC bank, who actually attempted to steal {$360.00} out of her checking account and would have if she did n't question the debit weeks later. PNC admitted an error but refused to explain further. Interesting, what would happen to me or any citizen if we went into PNC bank and took {$360.00} without permission. Jail prison, huge fines ....
Consumer complaint received 2020-10-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

THE ACCOUNTS/INQUIRIES LISTED DO NOT BELONG TO ME SOMEONE USED MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE FRAUDULENT ACCOUNTS I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against XXXX, XXXX  and Experian CRA. On XX/XX/2020, I mailed XXXX, XXXX  and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2015-09-01
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (CA)

Experian is reporting a XXXX account as charged off in XXXX. I disputed this information because this account was charged off XX/XX/XXXX. XXXX is showing the correct charged off date. Experian updated the account with the incorrect charge off date. They refused to further investigate the account and will not allow me to re-dispute the account online. This is incorrect information. I would like to have the correct charge off date reported or remove the tradeline from my credit report.
Consumer complaint received 2022-07-20
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Blackhawk Network Holdings Inc. (CA)

I recently purchased 5 x {$100.00} XXXX gift cards, and 3 x {$500.00} XXXX XXXX gift cards, locally at a XXXX affiliate XXXX 's XXXX. Each of these gift cards were tampered with and compromised- which was immediately obvious only after purchasing and opening the packaging, as the cards were dirty and covered in glue and tape. None of the cards contained any value whatsoever, even though I scanned them at the register and paid for them, and the receipt shows that they were activated. Since the store policy is that all gift card sales are final, they advised me to contact XXXX corporate and submit claims to XXXX. I subsequently filed cases and they have refused to return my money, stating Blackhawk has denied the claim. Please reference the following XXXX case numbers : XXXX, XXXX, XXXX.
Consumer complaint received 2017-05-22
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: VANGUARD FUNDING LLC (CA)

Vanguard  will not release information on an account that I had set up with them years ago based on the fact that I do not remember the email address used on the account. I have verified that I have the correct Social Security number, the address used on the account and the name.  One  confusing factor here is that I am a  XXXX  but the account  may  not have that suffix attached to it.      Vanguard  has stated that since I can not remember the email address they will not give me information on my account. I honestly can not remember the email address used. Also since I no longer live at the address in question I have no way of getting statements that are supposed to come to me.     This is a problem since I can not get the account number so I can not update the account. All of this because I can not remember the email. The social security number is correct and is a more important detail.
Consumer complaint received 2024-02-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (VA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-02-03
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. (NY)

I have XXXX accounts reporting WRONGFULLY only on EXPERIAN. I sent since XX/XX/XXXX letter every XXXX day asking them to VERIFY and VALIDATE the information and ask for ORIGINAL agreement or informaiton about the ORIGINAL account but I'm ignored since XX/XX/2021.
Consumer complaint received 2016-10-14
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC (OH)

in less that 6 months after closing my home loan the servicer, due to a typographic error, thinks my property taxes have went up XXXX fold. I called and asked for a recalculation, the agent on the phone could see the payment they had sent for the half was only {$150.00} dollars ... not the XXXX thart they were projecting ... so they decided to raise my payment by {$270.00}. I have had this loan less than 7 months. there is NO way that the underwriter, QA department ( as my loan was selected for review ) and the closing title company were all wrong on my taxed by 10 times!!! they now refuse to lower my payment to what it should be, as they claim that I am not getting any type of reduction ... you can clearly go on the auditors page and see that my second parcel is charged XXXX not XXXX now with less that 14 days before my payment is due.. they want me to wait 3 business days for a manager to call me back ... and refuse to recalculate my payment based on fact
Consumer complaint received 2022-02-03
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: Affirm Holdings, Inc (DC)

Affirm emailed me an advertisement on XX/XX/XXXX for a savings account with a 1 % APY. At the bottom of the email in small text, a disclaimer read " This APY is effective as of XX/XX/XXXX and may change at any time before or after account opening. '' I have been looking for an attractive XXXX so I was interested when I read this email today, XX/XX/XXXX. I searched online and looked at the Affirm app in my phone for more information about their savings accounts. On their site and in their app I saw that they advertise an APY of only .65 %. When I called their customer service line and tried to clarify what their APY is and why I was misled, they told me that to get my accurate APY I would need to open the account. I insisted that no, they're advertising a rate and that's the rate the account is set at, so why are they sending emails with misleading rates that haven't been offered for years? I was escalated to a supervisor who admitted that to her knowledge, they do not offer any savings account with 1 % APY and said she'd file an internal complaint. I told them that they now have notice that they're violating consumers ' rights and that I would file complaints against them with their regulators.
Consumer complaint received 2017-03-22
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CITIBANK, N.A. (FL)

I cancelled my Citi card in XX/XX/2016. They did n't cancel it when I asked them to because they wanted to make me an offer. They accepted another charge to the card that I had cut up and disposed of then started charging me late fees for not paying. I called them, and straightened it out ( I thought ) on speakerphone with my husband listening. The service agent worked with me I made a FINAL payment on the phone. I asked TWICE if that was going to XXXX the balance and cancel the card and she responded YES. Today I got another bill for XXXX. They charged me a minimum fee of {$.00} and then a late fee of {$25.00}. I called and asked why. Because it 's the minimum fee ... the service agent could fix the late fee but could n't fix the minimum charge so it will just keep billing me forever. It 's only been {$38.00} so far because I keep calling and having them remove the charges but this is ridiculous to go on this many months.
Consumer complaint received 2016-10-27
Product: Bank account or service — (CD) Certificate of deposit
Issue: Account opening, closing, or management — 
Company: CIT BANK, NATIONAL ASSOCIATION (FL)

CIT lost or misplaced a fax on XXXX/XXXX/2016 from XXXX Bank regarding trustee to trustee transfers for my wife and I. XXXX Bank has resent the forms as of XXXX/XXXX/2016. My wifes account matured today XXXX/XXXX/2016 and CIT will not release the funds saying they need 72 hours to process the paper work. I do n't understand how XXXX can ( lose ) a fax with their confirmation number. XXXX bank also sent copies of CITs fax confirmation from both dates by email. CIT has also confirmed that they have received an email with this info. I have been on the phone many times with CIT reps, XXXX, aanthony, XXXX XXXX XXXX, but I am still getting the run around.
Consumer complaint received 2016-11-14
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Resurgent Capital Services L.P. (NM)

LVNV Funding LLC XXXX XXXX XXXX XXXX XXXX , XXXX is attempting to collect a zombie debt. Original creditor was served a cease & desist several years ago. I want all communications from any company tied to this debt to stop. I also will require them to pay me {$24000.00} ( the amount they are trying to extort from me ) as a penalty for practicing illegal collection tactics.
Consumer complaint received 2015-03-25
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

Fraud was committed to my account months ago through my card with Capital One, charges being made to XXXX XXXX. THe company requested information which I have provided to them to insure that it is me. I wanted to of course, get the card reinstated. The wo n't accept the information which is clearly correct. They claim it is a copy of a copy and they wo n't accept it. I 've had enough of the harassing and phone calls and if they ca n't accept the only things that I can provide which are indeed the right things, then I asked them to please cancel my card so that my risk of exposure for a card I ca n't even use that could cause a credit problem or more identity problems. They are refusing to close out my account or reactivate it even though I 've provided legitimate documents proving that it is me. I 'm asking for help to get this account closed and lessen my exposure top more fraud.
Consumer complaint received 2020-10-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Santander Consumer USA Holdings Inc. (CT)

My car loan with Santander was supposed to be paid off by XXXX, but due to covid, they extended the monthly payments until the loan was paid off. I paid the final monthly payment in XXXX. There were accrued fees that were never incorporated into the monthly payment. I have continued to make the monthly amount and had a balance of XXXX dollars. I was told the payoff amount and until when it was good. I just received notification that they reported my account as last due by 30 days. I was never notified that I needed to pay the fees by my last due date. I was told if I made the Monthly amount then it would extend each month until paid. I have already requested that the delinquency be removed from my report. I had my father cosign this loan years ago- and this is absolutely ridiculous that they are reporting the final XXXX dollars in fees as late. I was never told that if the entire fee balance was not paid by last due date that it would be considered late. I have paid the balance and I want the delinquency removed immediately.
Consumer complaint received 2021-05-20
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Chime Financial Inc (MI)

I realized slower than I would have wanted or will ever allow agian. There was a fraudulent charge on my chime bank spending account for {$550.00}. By grace it was discovered before there was any transfer of goods or services. I raised the dispute to the company which the order was placed. Which is a firearms business in FLA. I am a Michigan resident. I also have a felony on my record. So I had to act before there was. A transfer of a good. The order hadnt even been pulled of the shelf. The FLA firearms company where the order was placed was very prompt and the info agent told me within a couple hours of me contacting them to have chime issue a charge back. There is no transfer of good, service or monatary value besides the {$550.00} that I have to wait at least 10 business days before I would be even considered for a supposed " complementary credit ''. I also have to bring up chime support agent hanging up on me when I was expressing the legal troubles that I would get if this oder was placed with my personal name and info with me having a felony record. The agent had no corcenrn of potential legal injuries that could possibly come to their customer thus needing a prompt response. The agent was more concerned with voicing thier baseless bilief that i was someone who was a liar who wanted to get a free order while comitting fraud and they would eventually press charges and shut my account down. The firearms company never even processed the order in house further than the recieving the order. I was able to obtain by my own with refusal for help from chime bank from the info support that there would be no transfer of any service good. To have my company issue a charge back and they would refund.
Consumer complaint received 2015-11-30
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO. (CA)

Somebody got a hold of my account information and deposited a check into my account. Three days later they told me that the funds were available. I withdrew the money. One or two days later they told me that the check was no good. They closed out my account. I had direct deposit deposit and could n't stop it in time. Three days after they closed out my account they took my whole paycheck.
Consumer complaint received 2015-11-27
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (NY)

This is regarding fraud that occurred on XXXX/XXXX/2015, when a XXXX account was opened in my name. I have a police report, and documentation from XXXX that they are aware it is fraud. They also reported the same to Equifax on XXXX/XXXX/2015, and again on XXXX/XXXX/2015. I disputed it as fraud, on XXXX/XXXX/2015 and again on XXXX/XXXX/2015. Each time they came back stating this was a valid inquiry. I have a fraud alert on my report with all XXXX bureaus, yet they refuse to remove the inquiry from my report.
Consumer complaint received 2015-05-22
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: I.C. System, Inc. (OK)

I had service with att for home and wireless service on combine billing, my home bill part was approx XXXX per month and my wireless varied between XXXX and XXXX a month. After a while I had the home phone service canceled because I was not using and was not under contract for that. I kept wireless until XXXX of 2013 and then I canceled service and went with another provider. I received a final bill from att for XXXX which I paid in full. A few months later I check my credit report and there 's a collection on there for XXXX. I called att and they could not find where I owed them anything or where it was in collections. So I disputed with credit bureaus and they removed it. The collection agency then sold the collection agency to another agency and it showed back up on my credit report, so I dispute again and it 's removed again. So now it 's sold again and some company if systems has it on my credit report again and the bureau will not take it off this time. I have asked for disclosure of this collection and why I owe it and have not received it. I have no idea of how I owe this or where the amount came from.