davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-01
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (CA)

Dear Consumer Financial Protection Bureau : This letter is a complaint about a mistaken account close down and two suspended checks issue with Chase bank.I deposit two checks from my former employer on XX/XX/2022. After reviewing by Chase, they said that they can not verify if the check is valid and they decided to close my account on XX/XX/2022. I have contacted Chase from XX/XX/2022 until now about the verification of my check and trying to save my account from closing down. And I did the following to give my proof to Chase : 1. I have contacted Chase customer service stating that I have direct deposit from the same employer to the same checking account for over 1 year. And the maker name of the check is exactly the same as it shows on my direct deposit statement. I left the company on XXXX, XXXX  and they decided to give me my last salary through check and there is no reason to suspended it. 
2. I was told by the Chase customer service that I need document that proof I was working for the company and my employer should visit the branch with me to provide it. So I have contact my former employer and since the financial department of my former employer is located in XXXX XXXX  and I am located in XXXX XXXX, me and the payroll manager visited Chase branch at the same time on XX/XX/2022 but different location which is also a solution provided by Chase. The payroll manager provided the proof that I was an employer of the company which was what Chase ask for. 
3. After I provided what Chase said they need, Chase still closed my account on XX/XX/2022 with no email or phone call notice. And they did not give me any feedback about the document that I submitted before. After they closed my account, they kept the check money and never funded to me. And I have contacted my former employer, they never funded the money back to them either. 
4. On XX/XX/2022, I visited Chase branch with my former manger who is also located in XXXX XXXX trying to solve this check issue. After a long conversation with Chase, they said that there is nothing they can do about it. They do not want any proof from me and they can not fund me the money and they can not fund the money back to my former employer. 
I am dissatisfied with Chase because of my suspended checks and my account close-down.I have already attempted to resolve this problem by making lots of phone calls, providing document they asked and visiting the branch in person with my former employer. But Chase did not solve the problem and they didnt even give me any notice or reasons why it is still suspended. Whats worse, they refused to funded to money to me or to my former employer who is the check maker. I am very disappointed and it caused me a lot of troubles.
Consumer complaint received 2019-10-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

I had fraudulent activity happen. Called XXXX and XXXX, no problem everything done over the phone and very well professionally done. Try to call experian.. I have tried every phone number that exists and not one has a person to speak to. They give you all kinds of computer info which I don ; t know how to do. I have personal stuff that is incorrect, make sure XXXX is on and remove XXXX from XXXX account that I am not responsible for. They run your life, ruin your life when they feel your credit score should drop 47 points ect. and then no one to talk to esp the data breach they had you would think they would be very receptive to your needs. They need to have phones that you can talk to people and be able to fix things right away like the other two companies. This really needs to be addressed. I have to mail them the info I guess, but don't know what papers to send. Something critical like this is not a mail item.
Consumer complaint received 2022-10-20
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. (CA)

I value your help to REMOVED a portion of the data on my credit file that came about because of a FRAUD yet I have an Items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX  XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX  XXXX, CA XXXX XXXX DEPT OF EDXXXX XXXX Balance : {$0.00} XXXX DEPT OF EDXXXX XXXX Balance : {$0.00} ; DEPT OF EDXXXX XXXX Balance : {$0.00} XXXX DEPTEDXXXX XXXX Balance XXXX {$0.00} ; DEPTEDXXXX  XXXX Balance : {$0.00} ; XXXX  XXXX XXXX XXXX  Inquired on XX/XX/2021 XXXX XXXX XXXX Inquired on XX/XX/2021 ; XXXX Inquired on XX/XX/2021 ; XXXX Inquired on XX/XX/2021 2021
Consumer complaint received 2021-01-03
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On XX/XX/2020, I pulled my credit report and found two accounts showing 30 day late payments. So, I reached out to XX/XX/XXXXandXX/XX/XXXX to verify this information, they have written back to state that I wasnt 30 days late on my accounts. I then sent the letters to Transunion and the file number from credit report. They sent me a letter stating that are unable to locate a credit report and I need to verify who I am.
Consumer complaint received 2021-01-03
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (TX)

Consumer payment dispute on credit report Macys Late Payment dispute to XX/XX/XXXXand XX/XX/XXXX 

Macy 's falsely accused me of being late for the following months listed below when payments were received through my bank as auto payments. 

XXXX XXXX - 30 days late XXXX - XXXX, XXXX - XXXX, XXXX - XXXX, XX/XX/XXXX- XXXX, XXXX - XXXX, XXXX - XXXX, XXXX - XXXX, XXXX - XXXX XXXX - XXXX, XXXX - XXXX, XXXX - XXXX and XXXX - XXXX. 

This delinquent account record is inaccurate because I paid each month on time ; I did not know that Macys increased my monthly payments starting XX/XX/XXXX once the COVID -19 crisis was finally recognized, although my hours were reduced in XXXX, I still managed to make my original monthly payment on time. I am requesting that the account be corrected to show that it has always been current, with no record of being delinquent.
Consumer complaint received 2022-06-28
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. (IL)

In accordance with the Fair Credit Report Act XXXX  account number # XXXX XXXX XXXX XXXX XXXX and account number # XXXX XXXX XXXX XXXX XXXX has violated my rights. 

Also the listed inquiries that have been listed XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, 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 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 1981 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.
Consumer complaint received 2021-01-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

This letter is a formal complaint that the bureaus are reporting inaccurate and incomplete credit information. These incorrect addresses and accounts do not belong to me I am distressed that the bureaus have included the information in my credit profile and that they have failed to maintain reasonable procedures in their operations to assure maximum possible accuracy in the credit reports you publish. I have been living at the location provided for the past 15 years. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be investigated and to be removed immediately.
Consumer complaint received 2022-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: LEXISNEXIS (TX)

I am filing this complaint in reference to the previous complaint about LexisNexis. i have disputed the inaccuracy on my clue report that was place by XXXX  XXXX they have done a investigation and they said after they investigated and got reports from XXXX  they said it was accurate. I then in turn filed for a reinvestigation and in turn they reported back to me that the information collected from XXXX  for the reinvestigation was accurate. i provided them with accurate information and they still refuse to remove the inaccuracy. then i filed complaint with the CFPB and they still didnt remove the inaccuracy. according to the consumer laws, I am the consumer and have consumer rights, in which they are violating. LexisNexis is aware of these inaccuracies and are negligently reporting false information. usc 1681 says a consumer has a right to privacy, USC 1681b SAYS THAT A CONSUMER REPORTING AGENCY CAN ONLY FURNISH IN ACCORDANCE WITH THE WRITTEN PERMISSION FROM THE CONSUMER.
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (WA)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted company information XXXX. Please delete the following accounts. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2022-08-01
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: EQUIFAX, INC. (VA)

When I reviewed my credit report, I found out 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 be investigated and corrected from erroneous reporting in my file are listed on my credit report : XXXX XXXX Balance : {$13000.00} ; XXXX XXXX Balance : {$0.00} ; CHLD SUPP VA XXXX Balance : {$0.00}
Consumer complaint received 2022-12-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WAKEFIELD & ASSOCIATES, INC. (OH)

This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, and abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.
Consumer complaint received 2022-04-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TRUIST FINANCIAL CORPORATION (SC)

For over two years, I have had a auto payment set up for my rent with BB & T Bank for {$850.00} to a family member 's corporate account that owns the property. Payments have been sent automatically without a problem until I was notified by my family that three ( 3 ) payments were received for XX/XX/XXXX on XX/XX/XXXX, XX/XX/XXXX andXX/XX/XXXX. When I investigated why three payments were made in XX/XX/XXXX, I discovered No payment was made for XX/XX/XXXX, XX/XX/XXXX, or XX/XX/XXXX. I realize BB & T has been merging with SunTrust to become Truist Bank ( which was finalized in XX/XX/XXXX ), but all my other automated payments with that checking account have been fine. I contacted the bank and spoke to XXXX and explained I maintain a balance of {$12000.00} - {$17000.00} in that account at all times, so funds were available. I never received anything from the bank that there was a problem making the payment. Then the bank takes three ( 3 ) monthly payments in the month of XXXX, again without notifying me they would be doing so. If my rent payments had not been going to a family corporate account, I could have been served an eviction notice for non-payment. Then to take three payments in one month from my account without notifying me they were going to do so could have resulted in numerous overdrafts charges if I did not maintain such a large amount in my checking account. All I wanted was a letter from the back stating why this happened, that it had been corrected, and this was not due to any fault of myself. I was told this could not be done. Nor could XXXX explain why it happened or if it will happen again.
Consumer complaint received 2021-05-07
Product: Money transfer, virtual currency, or money service — Money order
Issue: Fraud or scam — 
Company: American Coradius International LLC (GA)

The company American Coradius International LLC is charging me the following amount : {$1500.00} They said that is from XXXX. But I haven't use this account to make this kind of purchases. I don't understand. It's very confusing. Because they don't specify the reason for owing this amount money. 

Date : XX/XX/2021 2021
Consumer complaint received 2021-02-09
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: PNC Bank N.A. (OR)

On XX/XX/XXXX, I opened a PNC Virtual Wallet Checking Pro account via a special link that was attached to a promotional offer. This promotional offer claimed that if I opened the above stated account, I would receive a promotional bonus of {$200.00} upon completing the written requirements. I also was emailed a separate offer of {$15.00} on XX/XX/XXXX, which required me to complete two bill payments from my Virtual Wallet Checking Pro. However, despite meeting all of the written requirements of the advertised offers, I have not yet received either promotional bonus. On XX/XX/XXXX, I inquired with PNC customer support about the missing promotional credits, but was told I would need to wait longer to receive the credits. 

The requirements of the {$200.00} advertised offer stated : the new Spend account [ Virtual Wallet Checking Pro ] must be opened online via the application link [ see attached for screenshot of application link page ] ... between XX/XX/XXXX to XX/XX/XXXX, and a qualifying Direct Deposit ( s ) must be received within the first 60 days ... [ and the reward ] will be credited to the eligible account within 60-90 days after all conditions have been met. The total amount of all qualifying Direct Deposits credited to your Spend account must be at least {$2000.00} for Virtual Wallet Checking Pro. 

The requirements of the {$15.00} advertised offer stated : Users must use PNC Bank Online Bill Pay to submit 2 ( two ) bill payments by the end of the next calendar month, based on the date of this email, in order to qualify for the {$15.00} credit. If the qualifying criteria is met, a {$15.00} credit will be applied to the primary deposit account used for PNC Bank Online Bill Pay within ten weeks after completing the required bill payments. 

As evidenced in my attached documentation, I met the requirements of each offer as stated in the above two paragraphs. For the {$200.00} offer, I opened the account online via the application link and received multiple Direct Deposits to my Virtual Wallet Checking Pro Spend account, each totaling at least {$2000.00}, within the first 60 days after the account opening date. It is now well past 90 days since I met the requirements of this offer, but I havent yet received the {$200.00} credit. 

Additionally, while I completed the terms of the {$15.00} bill pay credit, by submitting two bill payments before the end of the following calendar month after receiving the offer, I have not yet received the {$15.00} credit despite it being past ten weeks since I completed the offer requirements.
Consumer complaint received 2021-08-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Synovus Bank (GA)

I have sent First Progress multiple letters asking for debt verfication! I sent those letters, via certified mail, on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I have proof that all of those times the letter was delivered within 3-4 days of me mailing them. I have yet to receive a response from First Progress providing documentation proving that I opened an account with them and that I owe them any money. XXXX XXXX is reporting to all 3 Credit Bureaus stating that I open an account with them on XX/XX/XXXX, which I did not! Also they are reporting that I owe them a balance of XXXX, which I do not because I never opened an account with them. The negative reporting from this company is really hindering my credit score and my credit file! This is completely ridiculous!
Consumer complaint received 2024-09-07
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. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 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 item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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 2022-08-01
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: EQUIFAX, INC. (NC)

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 be investigated and corrected from erroneous reporting in my file are listed on my credit report : DPT EDXXXX XXXX Balance : {$0.00} ; DPT EDXXXX XXXX Balance : {$0.00} ; DEPT OF ED/XXXX XXXXXXXX Balance : {$0.00} ; DPT ED/XXXX XXXX Balance : {$0.00} ; DEPT OF ED/XXXX XXXX Balance : {$0.00} ; DPT EDXXXX  XXXX Balance : {$0.00} ; DPT EDXXXXXXXX  XXXX Balance : {$0.00} ; DEPT OF ED/XXXX XXXXXXXX Balance : {$0.00} ; DPT EDXXXX XXXX Balance : {$0.00} ; DPT EDXXXX XXXX Balance XXXX {$0.00} ; DPT EDXXXX XXXX Balance : {$0.00} ; DPT ED/XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; DPT EDXXXX XXXX Balance : {$0.00} ; DPT EDXXXX XXXX Balance : {$0.00} ; DPT EDXXXX XXXX Balance : {$0.00} ; DPT EDXXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; DPT EDXXXX  XXXX Balance : {$0.00} ; DPT EDXXXX XXXX Balance : {$0.00} ; DPT EDXXXX XXXX Balance : {$0.00} ; DPT EDXXXX XXXX Balance : {$0.00}
Consumer complaint received 2021-02-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BBVA FINANCIAL CORPORATION (VA)

I received a letter from BBVA on XX/XX/2021. The letter states the following. " Reducing the overall credit limit of your account to {$2400.00}. If your new limit is {$0.00}, we also are closing your account, and future transactions will not be honored. '' Reason giving is " Delinquent Credit obligations. '' My XXXX credit report does not show any delinquent credit obligations that they were not aware of ; I have two late payments on my credit report when they issued to card to me with a 10,000 credit limit. The most recent one is one year and seven months. I feel that something is going on since XXXX XXXX bought BBVA, and they are trying to clean the house before taking full control. I think that this move was unjustified. This action does hurt my credit profile, it puts me in a higher credit usage.