davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (IL)

On XX/XX/21, my husband and I deposited {$1000.00} cash into a XXXX IL Chase ATM. It said it couldn't read {$200.00} of it and returned the bills. He hit the " deposit more '' button in an attempt to reinsert the bills. At this point, the whole ATM froze for about 2 minutes. Then a message popped up, something along the lines of " please call this number to make sure your deposit went through ''. The number disappeared off the screen before I could even get my phone out. The machine did not issue me a receipt. Turns out the deposit did not go through so I filed a claim and they issued me a temporary credit of {$800.00} for the missing money. My relief was short lived, on XX/XX/21 I received a notice letting me know the claim has been denied because when the ATM was emptied and counted " there were no overages nor error messages put out that day ''. They simply can not find my money and they'll be revoking my {$800.00} credit on XX/XX/21. I spoke to 2 representatives and 2 supervisors who all told me they could not help me further. They spoke to me as if I'm lying about my deposit. One supervisor said " I don't know I guess the machines just glitch sometimes ''. My husband and I are on camera depositing the money into the machine but no one will check the cameras. When I inquired to that specific branch about checking the cameras, they referred me to the claims department and said they have nothing to do with the outside ATMs. When inquiring to the claims department, they stated they have no ability to check the cameras either and referred me right back to the Chase branch. Somewhere in the mix, someone from Chase suggested I make a police report and have the police pull the cameras. I went to the XXXX IL police station and they refused to make a report because " it's a civil matter ''. 

This is an incredibly frustrating situation. {$800.00} is a lot of money for us and now it's going to accrue overdraft fees as well, since we can't cover the credit they're revoking. We desperately needed the cash we were depositing to fill the hole in our account from emergency vet bills. As someone who has banked with Chase for the past 8 years, I should be treated like a valued customer but that is the opposite of what has happened here.

I do have notices from Chase including documentation of the claim, phone calls to the claims department and a screenshot of my mobile banking app showing the {$200.00} deposit that went through and the absence of my {$800.00}. They are attached.
Consumer complaint received 2022-12-11
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: CBC Companies, Inc. (NV)

XXXX. REMOVE ALL INQUIRIES THAT ARE NOT ATTACHED TO MY ACCOUNTS XXXX. UPDATE AND SUPPRESS NEGATIVE INFORMATION XXXX. UNLOCK AND UNFREEZE ALL MY ACCOUNTS AND SEND ME THE CORRECT LOGIN OR RESET TO MY EMAIL WHICH IS REGISTERED TO YOUR SITE. XXXX AND XXXX WILL NOT LET ME LOG IN EVEN WITH THE RESET. I AM REGISTERED FOR ALL, THIS IS UNBELIEVABLE. please update and suppress negative information, and inquiries that are not attached to any accounts XXXX. REMOVE THE FRAUD STATEMENT FROM ALL MY BUREAU REPORTS. IF I AM ABLE TO LOGIN THEN I WILL LOCK THEM MYSELF YOU ARE IN VIOLATION OF 15 usc 1681a ( 2 ) ( a ) ( i ) 15 usc 1666b 15 usc 1681 i a 1 15 usc 1681 i 5 15 usc 1681 B 15 usc 1681 i ( 7 ) Read A and 2 Accounts not reporting across all bureaus. incomplete account number, inconsistent. Please remove for inaccuracy, no knowledge of this account, no contract with this company My name is XXXX XXXX My addresses XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, NV XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX My phone numbers XXXX XXXX XXXX
Consumer complaint received 2021-11-06
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: Conn's, Inc. (NC)

My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. 

I have been patiently waiting on the Credit Bureaus response about the written requests I sent regarding CONNS. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.
Consumer complaint received 2021-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (NC)

My credit score has been lowered by Equifax and XXXX  approximately 20 pts on each in the last month. I have payed everything on time, have not opened/closed accounts, used less than 10 % of my limit and have not had inquires. I called both companies and payed for their reports. Everything looks correct on them, yet they do not tell me why my credit score has been lowered.
Consumer complaint received 2021-05-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: U.S. BANCORP (IL)

Hello, recently my credit was decreased because it was reported from US Bank that my mortgage had increased up by about {$2000.00}. Even though I have taken part in a forbearance plan, they have reported that my mortgage has increased in {$980.00} increments. When I called my credit unions, XXXX, XXXX, and XXXX, they all said they are receiving reports from US Bank as {$100000.00}. When I receive my monthly statements and check my balance online it indicated that the remaining balance is {$100000.00}. After I disputed the balance through XXXX and XXXX, the dispute decision was decided as accurate information reported which is incorrect. When I called US Bank they also confirmed my balance of {$100000.00} and indicated they are reporting that number to the credit agencys. 

So my disputes have been declined, the credit agencys are saying they are receiving {$100000.00} from US Bank, and US Bank is declaring they are reporting {$100000.00}. They had caused a 14 point drop in my credit.
Consumer complaint received 2022-12-11
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 acct XXXXXXXX XXXX has violated my rights. 

15USC 1681 Section 602 States I have the right to privacy.

15 USC 1681-2 Responsibilities of Furnishers of information to consumer reporting agencies.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A Creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2021-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (SC)

On XX/XX/XXXX I sent in numerous letters to XXXX XXXX in regards to inaccurate information reporting on my Equifax credit. This account has been charged off and a payment hasn't been made since XXXX. Equifax is currently reporting 120 day late every month. This is inaccurate information!!!
Consumer complaint received 2020-01-23
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Bread Financial Holdings, Inc. (NY)

After a 4 hour presentation for a vacation club membership back in XX/XX/XXXX, I became interested in the trial membership offered by XXXX XXXX. I decided to apply for in house financing for XXXX XXXX XXXX " XXXX Vacation '' membership. I signed an application that I was advised was preliminarily approved and the conditions of being able to use the club membership is when I paid the first {$1400.00} on the account. I was not able to use the membership or book vacations until this was done. The document I signed advised the same. I was never advised that XXXX applied for third party financing through Comenity Bank and that my financing was approved at the full amount paying off XXXX. Because XXXX was paid off I would have been able to use the membership right way. I never received any disclosures or approval letter from Comenity bank. I was also advised that my first billing cycle would have been in XXXX with the promotional 0 % trial rate expiring in XXXX. I requested if it could be at the end of XXXX to be able to pay off the amount. The representative in XXXX, FL location was not able provide an exact date but assured me since it was in house financing I can request for an extension and a payment change date. I expected a statement from XXXX in house financing and never received one. I then received a collection call from Comenity. This is when I learned that my account was with Comenity and not XXXX. Although Comenity has tried to work with me on these issues they were unable to honor the trial promotional rate as advised at the Resort. They said the promotional rate once expired on XX/XX/XXXX would require upfront interest rate payment of over {$320.00}. They said it's based on the full purchase transaction not annual rate divided over the months due.They stated my current payments would not be taken into account. I told them that did not make sense and I would never sign up for that. They said I would have to have XXXX tell them that the promotional rate was supposed to end in XXXX but they couldn't do anything about it. Comenity was also not able to pull any contract or application showing I had applied with them when I requested for this proof. I called XXXX and they said unless I have documents stating it was supposed to end in XXXX they would not correct it with Comenity. They stated I signed an application allowing them to apply for VCC, which I did not know meant applying to Comenity bank, I thought that was referring to their in house financing. They said I should have been advised this at time of purchase knowing that the whole membership was paid in full at Comenity. I told them I was not advised this and never received anything in person or in the mail. I have spent countless hours, days and months trying to resolve these issues and feel XXXX 's practices were deceptive. These companies are not providing full disclosures, are dishonest and appears to not be transparent in order to make these sales.
Consumer complaint received 2021-08-09
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: BARCLAYS BANK DELAWARE (CO)

I closed my Barclaycard Visa XXXX XXXX  card on XX/XX/XXXX. It was paid in full and had a {$0.00} balance. In XXXX they sent me a {$100.00} check for the remaining credit in the account. ( See statement from XXXX final payment and statement from XXXX with refund balance check attached ). 

There were no Statements between XXXX of XXXX and XXXX of XXXX because the account was closed In XXXX of XXXX, I was notified of activity on my closed account. I called the support center to notify them that the credit account was closed and there should be no activity. They said they would close it and the activity was a credit/payment of {$630.00} that they would mail a check to me to make the balance {$0.00}. This was necessary to close the account. 

After the Statment was posted on XX/XX/XXXX, they mailed a check ( XX/XX/XXXX ) and re-closed the account. I cashed the check. 

Then on XX/XX/XXXX they mailed a letter ( attached ) saying the payment was a mistake that they have corrected by adding a debit on the account that would be due on my next billing statement XX/XX/XXXX. The debit was pre-dated as XX/XX/XXXX with a posting date of XX/XX/XXXX. ( See screenshot from account and statements from XXXX and XXXX ). 

To Summarize, Barclays is now asking I pay them {$630.00} on activity that should not have been allowed on a closed account. The XXXX statement has not yet closed, but I have already called them and am concerned that they are demanding money for their errors in addition to making transaction on my closed account, predating transactions on my account and potentially applying APR to those transactions when the account is closed and I have, in my mind, no formal agreement with them on APR terms. 

What are my options?
Consumer complaint received 2021-08-03
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Credit limit changed — 
Company: WELLS FARGO & COMPANY (WA)

I received a letter from my bank, dated XX/XX/2021, that indicates that my personal line of credit, with a limit of {$7000.00}, will be closed on XX/XX/2021. The letter states that this closure is final. In order to avoid losing a significant portion of my available credit, I called the bank on XX/XX/2021, to request that a portion of the credit limit for the personal line be reallocated to a credit card I hold with the same bank. I was informed that, since the personal line is not a consumer credit card, it is not eligible for reallocation. Consequently, I have no way to reduce the ramifications of this compulsory account closure on my credit rating.
Consumer complaint received 2020-01-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Bass & Associates, P.C., Attorneys at Law (DC)

I called Bass and Associates in XX/XX/XXXX and XX/XX/XXXX. The company claim to have my student loan debt which has been defaulted or for a overpayment. Currently my account is in good standing with XXXX XXXX. I am in my 2nd year of college and shouldn't be paying student debt until XX/XX/XXXX. I have been calling but no response from the debt collector.
Consumer complaint received 2022-11-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

EQUIFAX is reporting inaccurate information about me. Here are all the inaccuracies on my credit file : XXXX XXXX XXXX I do not owe a debt to this company. 

XXXXXXXX XXXX  I do not owe a debt to this company. 

XXXX XXXX I do not owe a debt to this company. 

XXXX I do not owe a debt to this company. 

XXXX XXXX I do not owe a debt to this company. 

XXXX XXXX I do not owe a debt to this company. 

XXXX XXXX XXXX I do not owe a debt to this company. 

XXXX XXXX XXXX I do not owe a debt to this company. 

XXXX XXXX XXXX ( all 9 accounts are inaccurate ) I do not owe a debt to this company.
Consumer complaint received 2021-08-02
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: JPMORGAN CHASE & CO. (NY)

I made a money transfer on XX/XX/2021 through XXXX ( XXXX ) in the amount of {$2000.00}. The transaction went through alright. 
A second transfer of {$2000.00} was made on XX/XX/2021 which also went through alright. 
The third transfer was on XX/XX/2021 also in the amount of {$2000.00}. But this time, transaction was not completed on the side XXXX. Several calls to the merchant didnt show anything positive. 

On XX/XX/2021, I called my bank to request for a chargeback of the amount involved in the incompleted transfer. My bank ( Chase ) refunded the money to me on XX/XX/XXXX and took it back on XX/XX/2021. 
Meanwhile XXXX had sent me an email to cancel the XX/XX/XXXX transaction with no reason. 

The representative of chase rather claimed chargeback on the XX/XX/XXXX transaction rather than XX/XX/XXXX transaction. Which brought a dispute between myself and the merchant. I had to pay the merchant thence because Chase is unable to cancel the chargeback I requested. I paid the merchant with 2 {$1000.00} money order through the mail. 

Now, the debit on my account for XX/XX/XXXX should be refunded to me but Chase suggest the merchant has been paid that amount. The merchant insists they have not been paid. 

Chase has issued records of payment on XX/XX/XXXX but the merchant still argues no monies received. I dont know where to claim my {$2000.00} refund. 
Now Chase tells me the issue could be resolved outside Chase and I dont know where. 

Either the merchant ( XXXX ) has received the money and declines or Chase holds the money.
Consumer complaint received 2021-08-02
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. (PA)

Hello, I have recently noticed fraudulent activity on my credit reports. What I have found has led me to believe I may be a victim of identity theft, as I did not approve any information to be used in my name. I am requesting that these fraudulent items be deleted from my credit report at your earliest convenience. I actually have a security freeze on my accounts which should have alerted me prior to my credit being ran. I did not receive any notification or alert to my credit being ran for these accounts which is concerning. These fraudulent items are reporting inaccuracies which is directly impacting my relationships with creditors as I am going through the homebuying process. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commissions Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible.
Consumer complaint received 2021-08-02
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)

I submitted a dispute to the credit bureaus on XX/XX/2021 and still haven't received a response by mail. It has been over 60 days and i will not wait another 45 days for no response. I will file a complaint with the XXXX XXXX XXXX and the Federal Trade Commission since i am not aware of these accounts. This has caused stress to my life. Please remove these account immediately.
Consumer complaint received 2022-11-01
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 Fair Credit Report Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 


15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven year.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-07-22
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FirstCollect, Inc. (TX)

In XX/XX/XXXX upon reviewing my paycheck I noticed almost {$300.00} were missing, after contacting payroll services i became aware that a " garnishment '' had been placed under my name in the total amount of {$680.00} ( don't know if there are more to come ). Contacted XXXX and they referred me to XXXX under a collection agency apparently called " first collect '' and spoke to " XXXX '' who would then inform of a hospital bill under my name. The hospital is " XXXX XXXX XXXX '' in XXXX DE, according to XXXX from First Collect, this people used all my info and even took advantage of using my own medical insurance, the " date of judgement '' is XX/XX/XXXX so i have no idea when the incident actually happened. Needless to say I have NEVER in my life visited the state of Delaware and have never had the need to visit a hospital in my life. I was able to provide an address for the collection agency to send to my job in order stop garnishing my funds and I was also made aware that the funds that have been taken out of this paycheck is " supposed to be reversed '' i just don't know if its true or when this will be done. This situation completely took me off guard because I have never seen a medical bill from this place in my credit report and i have never received a letter of collection to my address in TX or a phone call which makes me think the fraudster may have given some of her contact info. The only other information I know ( from the collection agency ) is that aside from using all my info there was an address in " XXXX Delaware '' on file but the actual address was not given to me. So this person might still live there. I do believe this may be an undocumented person using my information to work because back in XXXX I almost got denied for unemployment due to the fact that " I was working in the fields '' but it was definitely not me as there has not been a need for me to work in this line of business. This ( i suspect ) is due to a car break before XXXX in in where someone stole my SSN, birth certificate, ID and a few other documents items that were left behind in my purse ; A police report was made under the car owner ( my friend ) in XXXX TX.