davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-16
Product: Checking or savings account — Savings account
Issue: Opening an account — Account opened as a result of fraud
Company: JPMORGAN CHASE & CO. (NY)

On XX/XX/2020 someone went into a chase bank with a fake ID and opened a fraudulent account in my name which In turn allowed them to remove {$34000.00} from my savings into that account. I met with a banker who put numerous alerts on my account and put notes saying to verify with a third for mom of ID. On XXXX XXXX the same thing happened which is absurd since chase bank employees did not do their jobs and allowed this person to come into the bank with the same FAKE ID and open up a new account.
Consumer complaint received 2022-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NV)

The credit bureau stated my account was properly investigated but how is that possible if the open date is inaccurate the date last active is inaccurate, and the date last reporting is inaccurate this is ground for removal, and they also violated my rights under 15 U.S.C 1681 section 602A. States I have the right to privacy. 15 U.S.C 1681 section 604A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions. Here 's my certified mailing tracking numbers XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (WA)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : XXXX5 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

XXXX EMPLOYERS : XXXX XXXX XXXX XXXX  ADDRESSES : XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX WA XXXX INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX COLLECTIONS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian NAMES : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX ADDRESSES : XXXX XXXX XXXX XXXX XXXX, CO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ 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 XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX US DEPT ED XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX EMPLOYERS : XXXX XXXX ADDRESSES : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, AZ XXXX XXXX XXXX XXXX XXXX, NC XXXX INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX DEPTEDXXXX  XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC. (MD)

I was offered a credit monitoring product from equifax, in XX/XX/XXXX. After q month I decided the plan was weak and did not offer me what I expected, therefore I tried to cancel the product, I was told by equifax to login to my account to cancel, when I did I couldn't find the cancelation feature and called the Equifax consumer help line. 
When I was helped by the agent who proportedly claimed that the service was canceled. 
Then I contracted XXXX in both XXXX and had a XXXX XXXX, I have been consumed with healing and dealing with my medical condition, as I had a XXXX XXXX 
Now today I Che k my credit card and realize Equifax is still charging me the {$5.00} monthly service fee and called Equifax support, who refused to return my money and charged me a XXXX XXXX  surcharge for XX/XX/XXXX. 
I was asking for and expecting a full 1yr subscription refund, yet the equifaxe agent only intent was to rip me off. I am deserving and owed a full refund of {$5.00} XXXX XXXX = {$71.00}
Consumer complaint received 2022-12-09
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (WA)

On Tuesday, XXXX XXXX, I was scammed out of {$990.00} while trying to buy concert tickets. 

I saw a post in a local, private XXXX page advertising for XXXX XXXX XXXX tickets for {$250.00} each. The account I was messaging ( on XXXX XXXX XXXX has posts that go back to 2012 and was the account of an actual person. I transferred {$500.00} through Zelle from my bank account for the first installment of tickets. Once that went through, the scammer said they would send me the tickets once I sent the additional money. I sent the rest of the money, and then they demanded a {$100.00} XXXX fee and I realized that I had indeed been scammed. The account blocked me. I requested the money back, but did not receive it. 

I looked at the account I was messaging with a young woman and I was able to find contact information for her father. He informed me on Thursday, XXXX XXXX, that his daughter 's account had been hacked and she had lost access to it. The scammer is using this girl 's real account to scam people. 

On XXXX XXXX, I disputed the transactions with my bank and they denied my disputes. 

I was convinced it was a real person because of the use of the account that I glazed over red flags.
Consumer complaint received 2022-07-09
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: U.S. BANCORP (SC)

US Bank continues to deduct interest from my extra principle only payments! Each payment has principle only in the memo section but is applied as a regular payment. I have had to call each month to correct the error. It seems purposefully on their part to collect extra interest.
Consumer complaint received 2023-03-23
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (GA)

The accounts listed below are inaccurate and incomplete. The presence of these accounts on my credit report is damaging and must be removed. I respectfully ask that this accounts be investigated and removed from my file.
Consumer complaint received 2023-03-23
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A. (GA)

My XXXX XXXX XXXX XXXX XXXX servicer has discharged a refund to my old previous closed account to Citi Bank ( XXXX ) initiated XX/XX/XXXX. XXXX XXXX has mentioned the funds was accepted but the account I had with Citi has been closed since XXXX or XXXX. So far I have contacted 3 different Citi bank numbers and one representative just informed me to open an another account but now the funds will be issued 1 to 2 business days back to My XXXX XXXX. I do not have any online banking, routing or account information to log in since the previous account been closed. And I have contacted Debt Management and the Offset Department at the bottom of XXXX letter and still havent gotten through to a phone representative.
Consumer complaint received 2024-11-01
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. (TX)

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 2021-02-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I've been disputing fraud accounts on my credit report since XX/XX/2020. I keep sending multiple sets of letters to the bureaus so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 250 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred.
Consumer complaint received 2022-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting act the below creditors have 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 XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-08-10
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: Convergent Resources, Inc. (LA)

I have a loan with CONVERGENT OUTSOURCING ( Original Creditor : XXXX XXXX ), XXXX XXXX, and XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, CONVERGENT OUTSOURCING ( Original Creditor : XXXX XXXX ), XXXX XXXX, and XXXX with no successful resolution. There was definitely an error on their part.
Consumer complaint received 2024-09-09
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: ROBINHOOD MARKETS INC. (CA)

I been transferring money through Robinhood XXXX  wallet because its the fastest way to send and receive. I told Robinhood before that I win funds from and send funds through XXXX. Account was restricted recently but I cleared it all up. Now I cant receive any XXXX just send it. I told them why my activity is high and they still restricted my account
Consumer complaint received 2022-12-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start legal action. Its my intention to not pursue any legal action so please adhere to the law XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XX/XX/XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX : {$9700.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$660.00} ; XXXX XX/XX/XXXX.
Consumer complaint received 2021-08-06
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: BMO Bank, N.A. (WI)

This is a simple problem and the document is the account itself. For 25 years we had a secure Savings account at BMO Harris, XXXX XXXX branch in which I also put my Social security. They always assured us that this was an account requiring two signatures as grand fathered in. All the statement from the Bank itself described the account as follows, this from XXXX XXXXand later assured the same they always checked two signatures on site. 

XXXX XXXX XXXX and XXXX XXXX XXXX XXXX Two signatures required** We were assured always and also specified a single exit in s document that no money could leave this account but to XXXX XXXX XXXX only Yet To My shock this bank transferred {$70.00}, XXXX from this account to some Fraud Online without an Ok from neither of us and certainly no two signatures required. This was a fraud, and this money should never have been released given the fact that the account title itself said that " two signatures required ''. That's the bank error
Consumer complaint received 2024-09-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

I am writing to formally dispute the accuracy of the charge-off status reported by Capital One Financial Services ( `` Capital One '' ) on my credit report. It has come to my attention that Capital One has erroneously reported charge-offs on XXXXXX/XX/year> for the accounts listed below, which I believe are incorrect and unjustified. 
CAPITAL ONE XXXX {$1200.00} CAPITAL ONE XXXX {$980.00} CAPITAL XXXX XXXX {$5500.00} According to my records and the terms and conditions of my credit card agreement with Capital One, the charge-off date should accurately reflect the actual date when the account became delinquent and charge-off occurred. However, the information being reported on my credit report indicates a charge-off status beyond the correct date, which I believe is both misleading and inaccurate. 
I kindly request that Capital One promptly investigate and correct this reporting error on my credit report. The inaccurate reporting of these charge-offs have a significant negative impact on my creditworthiness, making it essential to rectify this matter as soon as possible.

I understand that, as per the Fair Credit Reporting Act ( FCRA ), Capital One is obligated to conduct a reasonable investigation into the disputed information and provide a timely response. I kindly request that you provide me with written notification of the results of your investigation within 30 days of receiving this letter.
Consumer complaint received 2023-01-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

It was revealed in my credit report that a charge off account is inaccurate that I did not authorize.I would like this accounts immediately remove from my XXXX and Experian credit report : Account name : XXXX XXXX XXXX Acct XXXX Date open : XX/XX/XXXX charge off date:XXXX ( Experian ), XXXX  ( XXXX ). 

I respectfully asked the creditor to provide some kind of proof of these alleged items, specially the contract, note, or other entrustment bearing my signature. additionally, to please provide the name, address, and telephone number of each credit grantor or other subscribers. 

It has been over 30 days and I haven't got a response. Under federal law they have 30 days to complete a reinvestigation. as well that the description of the procedure used to determine the accuracy and completeness of the information is herby requested as well, to be provide within 15 days of the completion of the reinvestigation. 

5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and.
Consumer complaint received 2023-03-23
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: KEYCORP (WA)

On XX/XX/XXXX, my social security was deposited and XX/XX/XXXX, I went to the branch at key bank to withdraw the money and the agent said my account is closed, and had arguments about my money that under the law KeyBank doesnt have the right not to give me the money, I had went to another branch and had asks for my money because I needed it, telling me the same closed account and the money was returned, so I called the social security and they said its the money is there, so I have the social security talk to the key bank teller. and notified me that my account was closed, So i really need you to contact them immediately because its my 2nd time they done this to me, holding my social security, I had letters coming from the fraud department that I can reopen a new account but that money deposited already in new account number, So now after 7 days I finally got my money, to my new account at XXXX XXXX XXXX. and this bank account I have been so happy and XX/XX/XXXX my social security was deposited and same day I withdraw cash with no problem, I really want you to contact this bank because, I felt like racism is involved because they are not very nice people, especially that bank in the city of XXXX XXXX, so rude, holding my social security,
Consumer complaint received 2021-05-27
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Struggling to pay your loan — 
Company: JPMORGAN CHASE & CO. (OH)

Chase Auto Finance/JP Morgan Chase Bank repossessed my vehicle on XX/XX/2021. I Have since paid {$1700.00} that pays off the end of the loan. Additional fees have been added on for a total of {$2400.00}. When I get my stimulus check, I would gladley pay off the addtional fees. JP Morgan Chase maybe through this crisis, I am not. I have made a significant effort to pay off this loan, I think Chase Auto Finance/JP Morgan Chase Finance should work with their customers that make effort to pay on a loan. Previously, I have tried communicating with representatives of Chase Auto Finance that did nothing but humiliate me. Because of this experience, I have since developed XXXX, because I do not want to be humiliated by any financial institution about my difficult personal problems.
Consumer complaint received 2022-03-21
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: Experian Information Solutions Inc. (TX)

I sent disputed to XXXX, XXXX and Experian for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below. 
This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Consumer complaint received 2023-01-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE (ME)

A check was mailed to Barclays for the entire balance as a part of credit consolidation. The check was mailed XX/XX/22 and cleared on XX/XX/22. I called the company the following week and was told no check had been received. I got a copy of the check from the issuing institution and called Barclays again, twice attempting to resolve and speak to a XXXX. I also did a chat with another associate. I was told there was a case number XXXX that was created on XX/XX/22 but it could take up to XXXX months to resolve, they would not credit my account until it was resolved and I would need to continue to make minimum payments until they reached a resolution. This is unsatisfactory, as well as it takes longer than XXXX mins to reach a supervisor. I have tried multiple times and I am left on hold indefinitely. I have given up but demand a resolution. And will I be liable for accrued interest during this time they are researching?
Consumer complaint received 2022-03-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Professional Debt Mediation, Inc. (VA)

Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and FTC
Consumer complaint received 2023-03-07
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: U.S. BANCORP (MO)

My checking account at US Bank became overdrawn on XX/XX/XXXX, after a banking error resulted in a mobile check deposit being duplicated. This error occurred in XX/XX/XXXX but the funds were not taken out of my account until XX/XX/XXXX. This took all my money from my checking and savings accounts and left me with a negative balance of {$1000.00}. I called and was told my account would automatically close in 30 days if the balance wasn't brought to a XXXX or positive balance. During these 30 days, overdraft fees of {$36.00} each accrued, and my balance became negative {$1400.00}. On the XXXX day, I contacted US Bank Customer Service and was told my account was closed and nothing would come out or go into it. I could no longer access my checking account through the Mobile Banking App. On XX/XX/XXXX, I received notification of a {$2400.00} deposit into my supposedly closed checking account. I went to the US Bank Branch and was told my account isn't closed ; it is " pending closure ''. I should have a refund of {$1000.00} but as of today, XX/XX/XXXX, I have yet to receive anything. When I have called the US Bank customer service line, they tell me they don't know how long it will take to complete the closure process and if applicable, a cashier 's check will be sent to me. I asked to speak to a supervisor and was informed that they do not speak directly to customers. I asked the bank to refund a portion of these overdraft fees, but they refuse to do so. I just want my money at this point. Thanks.