davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-04-20
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Incomm Holdings Inc. (NV)

XXXX XXXX sent not only one card ending in XXXX, but a SECOND card ending in XXXX I DIDN'T request, thereby mishandling my consumer data. On XX/XX/19 company requested closure of both cards, but demonstrated on past occasions an inability to do so. This is a deliberate attempt to deny access to future cash loaded, charge inactivity fees to XXXX balance as I will NEVER load either card. XXXX XXXX
Consumer complaint received 2018-12-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO. (CA)

I wasn't near a computer to check my account as I was out of town. {$1000.00} in overdraft fees in 35 days. Starting from XX/XX/2018 thru XX/XX/2018. 
I went to Chase Bank branch on XXXX and XXXX in XXXX XXXX, CA on XX/XX/2018. 
Sat down and the gentleman reversed 4 of the charges and said more were getting reversed as it processes. This was an obvious mistake on my part and Chase is taking advantage over me by shoeing me out the door. Also I didnt want overdraft protection but when I opened my account She said its mandatory but as soon as I opened an online account I can switch it off. I was NEVER given the opt out option. Also never informed about debit card coverage that I didn't know existed but says I'm opted in? Please help!!
Consumer complaint received 2023-01-28
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: GOLDEN 1 CREDIT UNION, THE (CA)

I submitted a complaint about Golden one credit union, report # XXXX open case, I tried to remember all the unfairness I want to also mention the excessive fees that went along with all the charges from the Landlord unauthorized amounts the bank gavith then took it back all the over fees of {$30.00} each over the limit because of no fault of my own. I sent you the proof through mail the complaint was online the bank transactions statements shows all excessive fees that really killed me. please add to the complaint Thank you again for helping me. I am disabled and on a fixed income the unauthorized transactions all the fees left me in RED litterally. im so stressed out upset worried.
Consumer complaint received 2021-02-26
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Moore Law Group (CO)

The Moore Law Group is has attempted to mislead, deceive and scare me with threatening collection letters. They have been previously sued for this abusive practice in XXXX vs The Moore law group XXXX : XXXX XXXX. I plan to do the same if I am sent anymore harassing letters.
Consumer complaint received 2021-02-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (NC)

I called Equifax today to temporarily lift the freeze on my credit profile so I can open a new bank account. Their automated phone system denied me access, and then their XXXX call center refused to help. I have the 10-digit PIN issued to me at the time of the freeze, but that is no help.
Consumer complaint received 2021-07-08
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. (MI)

The information you disputed has been verified as accurate, however, information unrelated to your dispute has been updated. Account # - XXXX The results are : WE VERIFIED THAT THIS ITEM BELONGS TO YOU. THIS ACCOUNT HAS BEEN UPDATED. ADDITIONAL INFORMATION HAS BEEN PROVIDED FROM THE ORIGINAL SOURCE REGARDING THIS ITEM. THE FOLLOWING FIELDS HAVE BEEN MODIFIED : XXXXSTATUS DATE *CLIENT NAME *BALANCE DATE. If you have additional questions about this item please contact : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX : ( XXXX ) XXXX The results of the supposed independent investigation showed no cause for the unverified account to remain on my account. Ample request for investigation have been made to both collection agency and credit reporting agencies as to the accuracy and validity of this account. Please help me to make both collection agency and credit reporting agencies follow the rule of law and not violate the rights provided to consumers in both state snd federal ruling.
Consumer complaint received 2021-02-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: PNC Bank N.A. (NC)

We have disputed 3 transactions with Pnc Bank for services that were not rendered on our wedding day. They continue to state the services were valid after providing documentation from us and the vendor that they did not show up to the wedding. 
Services were not rendered. Vendor did not show up to perform services on our wedding day. 
It's been over 100 days since XXXX XXXX did not uphold his end of our contract. It's been over 100 days since he emailed us claiming that he would " refund the total to resolve this issue. '' Wedding day was XX/XX/2020. XXXX XXXX was to arrive at the venue at noon. The bride contacted XXXX XXXX at XXXX requesting a refund for his services since he had not arrives at the designated time. XXXX XXXX arrive a the venue at XXXX and confirmed that the Bride would receive an refund. On XX/XX/XXXX XXXX XXXX sent an email apologizing a requesting information about processing the refund ( XXXX or disputing charges ). the Bride responded with her XXXX name and began awaiting the refund. After 2 weeks, the bride decided to dispute charges with PNC since payment had not be received. 
The details of why you weren't where you committed to being are not my concern. My wedding date was NEVER moved to XX/XX/XXXX. Ever. I saw you TEN days before my wedding on Thursday, XX/XX/2020, for my trial because it's when it worked best around your birthday. At the end of my makeup trial, you told me that you would arrive at XXXXXXXX XXXX at my wedding venue and that you had all of the information you needed. 

We disputed the charges after he did not respond to my email requesting the refund via XXXX. The bank can not refund the {$910.00} as the payments were processed using XXXX. That is considered a person-to-person transaction. 

We are ready to move past this issue. XXXX XXXX XXXX carelessness in this matter has already taken more than enough of my precious energy. My wife and I would prefer not to have to take this matter any further.
Consumer complaint received 2021-02-18
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A. (TX)

My XXXX, XXXX XXXX, applied to multiple XXXX cards companies without my knowledge. He financially abused me and did not let me have access to see the debt on the credit cards. We are in the process of a divorce now, and I discovered all these cards under my name after filing for divorce and checking XXXX  XXXX. I have filed a police report that is attached. I have filed fraud for the cards as well.
Consumer complaint received 2021-04-30
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: EQUIFAX, INC. (LA)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-06-08
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Hollis Cobb Associates (FL)

First time they called they asked for my son who is a minor child I stated to send everything via mail and also to verify and submit proof as I did not recognize this debt - sent them a letter as well but to date they keep calling me to collect a debt which they have not provided proof and also keep calling after requesting to send all communication in writting.
Consumer complaint received 2021-05-10
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (FL)

I had been seeking to find a emotional dog for companionship, I looked into XXXX searching I came upon what I thought was a legitimate organization on XXXX called XXXX.I reached out the them and received a response on XX/XX/2021 I told them the puppy I saw on their page and asked if it was available I was told yes, so the guy told me how they transport their puppies and the fees he stated that shots were updated and everything is taken care of he said the fee is {$380.00}. I said ok thinking that was a good fee for the puppy a Frenchbulldog.The guy said they were located in California. So at around XXXX that same day I logined into my Chase Bank app and sent the {$380.00} through XXXX which I thought was a safe way to send the first funds. Only to find out I was scammed.Not to mention my bank which is linked to XXXX refused to help they stated they could not help me because I sent the funds on my own, And so I called XXXX and gave them the names of the person the owns the account with them I was told they could only report them but could not refund my money back.my bank just sent out a generated letter that they send to victims of these scams and its wording suggests I agreed with them, But I had not even had a chance to speak with anyone about it only put in the complaint then the generated letter came.Thank you for taking the time out of your busy schedule to help me. Warm Regards
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

Consumer Name : XXXX XXXX XXXX Social Security Number : XXXX Consumer Date of Birth XXXX XXXX  This complaint has been submitted to the CFPB to request, under FCRA 605B ( 15 U.S.C. 1681c-2 ), that XXXX, XXXX, and Equifax block the fraudulent information on my consumer credit report within four business days of receiving this notice. The fraudulent, inaccurate, and false information includes the following accounts : An auto loan opened with XXXX XXXX on XX/XX/XXXX A bankruptcy XXXX  XXXX filed on XX/XX/XXXX These fraudulent accounts have led to several unauthorized hard inquiries and collection items appearing on my FICO credit report. I have attached a copy of my FICO credit report from XXXX that reflects these fraudulent accounts. 

I do not recognize any of the accounts, collections, or hard inquiries listed above, as they were not opened, initiated, or authorized by me. All these items are the result of identity theft and fraud. Enclosed is a copy of my FTC Identity Theft Criminal Complaint ( # XXXX ) as evidence from the Federal Trade Commission confirming that the accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2021-04-22
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: EQUIFAX, INC. (GA)

On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted.I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2021-02-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (CA)

My father XXXX XXXX XXXX, XXXX passed away on XX/XX/2018. He had opened an account with XXXX XXXX a year or so prior to his death, and bought a table and two stools. The account went unpaid. After his death I saw that it was on my credit report ( I am XXXX XXXX XXXX, XXXX. ). Jefferson Capital continues to send me bills and collection attempts for {$580.00} for JCS reference # XXXX despite being informed of this wrong attribution, as well as also informing XXXX and the three credit reporting agencies via disputes. I do not know what else to do to stop the collection attempts and also fix my credit rating. 

JEFFERSON CAPITAL XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX  XXXX. XXXX XXXX XXXX, GA XXXX XXXX XXXX. XXXX XXXX XXXX, PA XXXX
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I am writing to formally request that you block and delete the accounts listed below, as I am a victim of a recent data breach. This request is made pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), which protect consumers in cases of identity theft and unauthorized use of their personal information. 
Accounts : XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-06-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (NY)

XX/XX/21 - chase debit card was stolen. 
XXXX reported fraud on my account and requested that they restore any funds withdrawn from my account without my authorization. 
XXXX reported more fraud on my account and requested that they restore any funds withdrawn from my account without my authorization. 
XXXX reported even more fraud on my account and requested that they restore any funds withdrawn from my account without my authorization. 

XXXX No funds returned to my account. Account is locked.
Consumer complaint received 2020-07-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Contacted XXXX, Transunion, and XXXX  regarding inaccuracies in reported accounts contained on my credit files on XX/XX/2020 via certified mail. Submitted information indicating the inaccuracies, however the credit bureaus failed to respond within the allotted 30 days time frame, and I have not received a response regarding a dispute I communicated with in writing to the credit bureaus listed above to this date after over 90 days.
Consumer complaint received 2021-02-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (TN)

THESE ACCOUNTS WERE LISTED ON MY CREDIT REPORT AND I HAVE NEVER OPENED THESE ACCOUNTS. MY INFORMATION WAS USED IN A DATA BREACH BECAUSE I HAVE NO BUSINESS WITH THESES COMPANIES, PLEASE HAVE THESE ITEMS REMOVED FROM MY FILE.
Consumer complaint received 2021-02-19
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: JPMORGAN CHASE & CO. (GA)

I've applied for a second round PPP loan that is facilitated through Chase bank. After completing a first application I was denied and the reason stated " Insufficient evidence of business having employees on XX/XX/XXXX ; Missing 4 quarters of state payroll and unemployment insurance tax docs for elected period ; XXXX XXXX XXXX XXXX did not provide either XXXX or XXXX Tax Return ; Unable to verify average monthly payroll cost from information you provided '' All documents which were included in the application. I called Chase to figure out what was wrong and they verified nothing was missing or incomplete. I resubmitted another application to receive the denial of " Insufficient evidence of business operating on XX/XX/XXXX. '' Again documentation was verified as received when calling Chase. They have held on to this application for three weeks to send a denial email that is false. Prior to the denial, while checking the status of the loan it stated " awaiting SBA approval. '' I've contacted the SBA and they assured me none of the loans come to them. It's completely up to the lender to verify, approve and issue the loan.
Consumer complaint received 2024-11-02
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (NE)

I had two capital one credit cards and I'm really good at making my payments and all that but the past two weeks someone been trying to pay off both of my credit cards and I know I don't have the money to do that so I didn't try it but the first time I saw it I called them and they looked it over and didn't see anything and told me not to worry so I didn't worry about it and then yesterday I made my payment and today I checked my account to see if my payment went through and I saw both of my credit cards were Restricted so I called them to figure out what was going on and they told me someone tried making payments and we returned them and since they did it so many times they closed my accounts and I told them it wasn't me because I get paid once a month and I didn't have the money to pay both of my credit cards off and I told them if they tried more payments how come I didn't get any notification on it so I could stop it and when I said that they acted confused and I asked them if they could reopen my accounts but they said no but if I want another one I have to reapply and since they closed my accounts they screwed me over because I get paid once a month and I made payments to the credit cards and find out they are closed with no warning or call from someone to let me know
Consumer complaint received 2024-09-17
Product: Credit reporting 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. (IL)

This is absolutely horrifying. These companies pulled up my credit report without my authorization and this has hurt my credit and credit score. I have contacted Equifax and the representative said they would be removed but I still see them on my credit report. These fraudulent and unauthorized inquiries are making me anxious for I might be already a victim of identity theft adding unnecessary stress to my life on top of hurting my credit score.
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

I've been a victim of identity theft. I have noticed some unauthorized accounts on my credit report by way of violation of my rights with HIPAA. Both the Equifax Data Breach of XXXX and XXXX XXXX XXXX, have breached my information. I need these fraudulent accounts removed immediately, or I will be suing each company listed along with the original creditors. This is also harming my chances at an apartment lease or buying a home.
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (NC)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2021-07-09
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. (IL)

Account # XXXX - XXXX XXXX/XXXX  On XX/XX/XXXX, I settled this account through XXXX XXXX XXXX. The account is paid in full and is closed. I contacted Equifax on XX/XX/XXXX of XXXX and opened disputes and sent the settlement letter from XXXX XXXX XXXX by mail on XX/XX/XXXX. I looked at my credit report today through XXXX XXXX and saw that this account was updated with no remarks. The account is a chargeoff, but it is a paid chargeoff and it should reflect that. l have attached the Settlement Letter from XXXX XXXX XXXX and a Receipt from USPS for your review.
Consumer complaint received 2019-04-30
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

I went to bank of America-where I opened this account 4 days -ago, to ask for different questions because this bank changed my security questions and I could not get into my account, the lady there told me if I could bring the whole desk top into the bank- she could help me, the whole Pc weighs about 80 pounds, I can not lift over 10 pounds because of health reasons. She told me then ( it was nothing she could do ) I said close my account, she said she could do it and just gave me all the funds that I had in my account- had me to sign two papers in which I was so angry that I just signed -I trusted that she was closing my account, but she lied and did not. Now I am getting notice that I don't have enough in my banking account.