davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-11-04
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO. (CA)

I have a business checking account with Chase Bank. Everyday, there will be revenue coming in and payment going out on the account. And always banks subtract payments and then later credit my fund from revenue from my credit card processing. 
So there is a problem, when my bank balance runs low. The payments that come in first will use up the balance. And every single transaction after that and before the revenue comes in, {$34.00} fee will be charge on each transaction. And I knew my revenue will cover the payments.They are often not big expenses, but few dollars or few cents. For example, my credit card processing company charge processing fee on daily bases. So, a XXXX cents processing fee overdraft will cost me {$34.00} for the bank to pay for me. Even though I know my revenue which will come in short after will have cover all that. 
Last month, the month of XX/XX/XXXX, more than {$500.00} fee was charged on my account. And almost every month there are XXXX-XXXX fee on overdraft fee. 
I called Chase customer service, they say they ca n't refund. I visited the branch located in XXXX XXXX XXXXXXXX. at XXXX California. They said they could not do anything and explained the reason as fees charged for the month and show up and individual charges. 
I tried to opt out the overdraft protection feature. But Chase still charges overdraft fee for all the scheduled payment like the credit card processing fee I mentioned above. So there is no way to avoid this situation.
Consumer complaint received 2017-11-04
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: AMERICAN EXPRESS COMPANY (GA)

My identity was stolen in XX/XX/XXXX. I received a letter from the FBI n XX/XX/XXXX notifying me of that fact. Then in XX/XX/XXXX I got a letter from American Express informing me that my credit line was being reduced from {$11000.00} down to {$5900.00} and cash advances of {$200.00} the reason and information was based on information provided by XXXX. My credit score was as high as XXXX. During that time I sent several letters to all of the credit agencies to correct my credit files. I tried to make sure that the agencies had accurate information. After reviewing my old letters, I remembered that I also had at those credit monitoring services one with XXXX and one with XXXX and they really did n't catch anything. I lost confidence in the service because one of the crooks was monitoring my account as well. 

To this day ever since I wrote letters to XXXX canceling my monitoring service and complaining about their service, it seems like I 've been placed on their enemies lists. I do n't know if one really exists, but here 's what I mean. My American Express credit limit is still {$5900.00} and {$200.00} in cash advance. I paid the balance off back in XX/XX/XXXX and nothing has changed since that time. Even after I got the police report and became a confirmed victim of Identity theft and I never missed a payment on any account. Wrote several times correcting everything. XXXX was especially slow about updating my files until I sent a letter saying I was trying to refi my home and all of a sudden they cleaned my file up to an extent. Over the years they have continued to play games, 2 years ago I had another back and forth to remove a lien error. The exchange was brief but I sent a few letter and it really was the only negative item on my file other than card balances. I am refinancing my home now and 2 out 3 credit reporting agencies have my credit history as too short or insufficient. XXXX and XXXX. XXXX has my credit score at XXXX and all of the lenders are using XXXX low score to quote me a loan. I got a quote from XXXX they only used XXXX 's score. I got a quote from XXXX XXXX they are only using XXXX 's low score and key factors on credit score form. Which states that length of revolving account history is too short. 

It seems as though XXXX is retaliating against me and keeping my score at the lowest possible range score it can justify and then also obscure my credit history by throwing in some XXXX like " length of time revolving accounts have been established is too short. '' When they know full well I have an extensive credit history. I have filed a similar compliant but once i looked at my old notes I wanted to add more. XXXX is no saint either. They are telling the same lie in attempt to present me as a risky borrower despite my 27 year excellent credit history. Completely unfair.
Consumer complaint received 2018-08-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SUNTRUST BANKS, INC. (NC)

Please accept this qualified written request for the following document relating to property commonly known as XXXX XXXX XXXX XXXX XXXX, NC XXXX. A copy of a XXXX XXXX for SunTrust loan number XXXX. Thank you, XXXX XXXX XXXX
Consumer complaint received 2017-11-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I 'm submitting this complaint because my rights under the FCRA and FDCPA have been violated. I have been disputing since XXXX and not even once have I received the requested documentation, procedure information, method or anything else other than form responses saying these items have been " verified ''. I am attaching XXXX XXXX TRANSUNION XXXX, wherein Congress specifically states in no unclear language that the burden of proof is on the CRA 's and creditors - NOT the consumer. So how can they " interpret '' this to mean that I 'm the one that needs to provide any proof whatsoever when they 're getting paid to report these accounts? The entire point is that they 're required to report these accounts ACCURATELY AND COMPLETELY and that all accounts must be verifiable to stay on my credit report once I dispute them. My disputes have never been frivolous and therefore, they can not send anything stating that they will not investigate further without information from the creditor or the court because that is a direct violation of section 1681 and what Congress stated above. I would not be in this situation if they had done their job to begin with and gotten rid of these invalid accounts! 

XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX are all reporting different balances across all 3 bureaus tell me how thats accurate and how all 3 bureaus can possibly say that these have been verified???? Its NOT possible! The other accounts are reporting balances that I just simply do not owe these all need to be immediately deleted! 

I will not accept a response from these companies stating that my address, name and/or SSN has been verified with the company. NONE of my disputes have requested this information and that is not legal verification anyways. I have attached my last 3 months of disputes, my credit report, identification, XXXX XXXX TRANSUNION XXXX
Consumer complaint received 2024-09-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

My lease signed on XXXX XXXX My housing program had no properly maintenance done on water heater. Tagged in violation of code. Leaked gas due to not certified plumber trying to light pilot. Was tagged numerous times 30 days longest without gas. With a child a XXXX XXXX XXXX XXXX XXXX XXXX XXXX Her XXXX  had a paid a XXXX bill one time for me. To continue service. This account was closed wen I was wrongfully evicted n involuntary displaced from my home during pandemic with a XXXX kids XXXX of which has XXXX XXXX XXXX. Haven't been able to get thru to my housing authority. Was ignored n now my child has n is still suffering
Consumer complaint received 2017-11-05
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: Experian Information Solutions Inc. (CA)

I 'm submitting this complaint because my rights under the FCRA and FDCPA have been violated. I have been disputing since XXXX and not even once have I received the requested documentation, procedure information, method or anything else other than form responses saying these items have been " verified ''. I am attaching XXXX XXXX XXXX XXXX, wherein Congress specifically states in no unclear language that the burden of proof is on the CRA 's and creditors - NOT the consumer. So how can they " interpret '' this to mean that I 'm the one that needs to provide any proof whatsoever when they 're getting paid to report these accounts? The entire point is that they 're required to report these accounts ACCURATELY AND COMPLETELY and that all accounts must be verifiable to stay on my credit report once I dispute them. My disputes have never been frivolous and therefore, they can not send anything stating that they will not investigate further without information from the creditor or the court because that is a direct violation of section 1681 and what Congress stated above. I would not be in this situation if they had done their job to begin with and gotten rid of these invalid accounts! 

XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX are all reporting different balances across all 3 bureaus tell me how thats accurate and how all 3 bureaus can possibly say that these have been verified???? Its NOT possible! The other accounts are reporting balances that I just simply do not owe these all need to be immediately deleted! 

I will not accept a response from these companies stating that my address, name and/or SSN has been verified with the company. NONE of my disputes have requested this information and that is not legal verification anyways. I have attached my last 3 months of disputes, my credit report, identification, XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 7 months to no available. I have been disputing these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2022 2022
Consumer complaint received 2021-08-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (IL)

Mailed a certified letter to XXXX XXXX XXXX for my free credit reports on XX/XX/2021 which was received by them on XX/XX/2021. 
I received credit reports from XXXX  and XXXX  but nothing from Equifax. 
I contacted XXXX XXXX XXXX and they mailed me a letter saying I have to contact Equifax but I could not locate a way on the Equifax website to have the free report mailed to me. 
Can you help? 
Thank you
Consumer complaint received 2021-01-18
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: WELLS FARGO & COMPANY (NJ)

I XXXX XXXX XXXX XXXX is writing this to say Ive tried reaching out to Wells Fargo customer service to tell them that the credit card thats appearing on my credit is not me!
Consumer complaint received 2017-11-06
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. (CA)

I have disputed the XXXX XXXX tradeline on my credit files with XXXX, XXXX and Experian as the account is old and was closed in XXXX, and included in Chapter XXXX BK in XXXX of XXXX. XXXX appropriately deleted the tradeline in XXXX. XXXX is reporting the account as " open '' and updated the status with the date of my dispute which flags my credit file as having a current delinquency and claims this was the information they were sent by XXXX XXXX. Experian reports this account as " closed '' but like XXXX, updates my credit file tradeline status with the date of my dispute which keeps resetting the timeframe for this account to be removed from my credit file. 

This is an old account, XXXX XXXX claims they are legally allowed to report it from the date of the Chapter XXXX BK which was in XXXX. If this is the case then the tradeline needs to be updated to reflect the last activity on the account is the date of the BK discharge which was almost 5 years ago, and they should not be adding a new XXXX status on the tradeline which then reports as though it is a new derogatory record. 

Please delete this tradeline for inaccuracy in reporting, it should have been removed in XXXX due to the 7 year negative reporting clause. Additionally, it was discovered that activity was seen on this account in XXXX, 3 years after it was included in XXXX - XXXX XXXX claimed that was an " adjustment '' on their side. However, I was never notified and only discovered it when I requested documents during my attempts at disputing this tradeline in XXXX. It has been well publicized that XXXX XXXX has committed fraud with numerous current and former customers ' accounts. I was part of the class action lawsuit, and I would like this tradeline removed and I would like an explanation for why this account had activity on it 6 years after it had been closed ( XXXX ) and 3 years after it had been included in BK ( XXXX ). 

Thank you, XXXX XXXX
Consumer complaint received 2017-11-03
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: Experian Information Solutions Inc. (NC)

XXXX XXXX ADDED A ACCOUNT ONTO ALL THREE OF THE CREDIT REPORTING COMPANIES AND I DISPUTED ALL THREE CREDIT BUREAUS AND XXXX AND XXXX INVESTIGATED IT AND REMOVED ALL THE ACCOUNTS FROM MY REPORT AND SENT A MESSAGE TO EXPERIAN STATING THEY REMOVED AND BLOCKED THIS XXXX ACCOUNT. EXPERIAN NEVER REMOVES STUFF UNTIL I GO TO FTC AND CFPB. EXPERIAN KNOW THIS ACCOUNT ISNT MINE AND UNDER THE FAIR REPORTING ACT ONCE ONE BUREAU REMOVES IT AS FRAUD AND SEBDS A REQUEST TO ADD A FRAUD ALERT THEY SEND A DETAIL MESSAGE WHY THE WANTED THE FRAUD ALERT ADDED. I WANT THE XXXX ACCOUNT REMOVED ASAP.
Consumer complaint received 2017-11-04
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: Army and Air Force Exchange Service (CA)

XXXX, XXXX XXXX XXXX and XXXX cobtinue to report disputed account due to identity theft that has been previously filed and certified mail to each parties concerned yet they claim this debt belongs to me after thorough investigation I have asked for paperwork and or validation of the debt and they have not responded to my request
Consumer complaint received 2023-02-09
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: Holloway Credit Solutions (AL)

XXXX XXXX XX/XX/XXXX In accordance with Fair credit reporting act. The list of accounts below has violated my federally protected rights to privacy and confidentiality under 15 USC 1681. 
THE FOLLOWING XXXX  ACCOUNTS # XXXX XXXX XXXX XXXX XXXX XXXX. XXXX {$510.00} XXXX XX/XX/XXXX {$500.00} XXXX XX/XX/XXXX {$830.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$91.00} XXXX XXXX {$75.00} XXXX XXXX {$75.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX {$170.00} 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 A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

15 U.S.C 1681C [ 5 ] SEC STATES ; NOCONSUMER REPORTING AGENCY MAY MAKE CONSUMER REORTS CONTAINING ANT OF THE FOLLOWING ITEMS OF INFOMATION ANY ADVERSE ITEM OF INFOMATION, OTHER THEN RECORDS OF CONVICTIONS OF CRIMES WHICH ANTEDATES THE REPORT BY MORE THEN 7 YEARS.

15 U.S.C 1681S-2 [ A ] [ 1 ] A PERSON SHALL NOT FURNISH ANY INFOMATION RELATING TO A CONSUMER REPORTING AGENCY IF THE PERSON KNOWS OR HAS REASONABLE CAUSE TO BELIEVE THAT THE INFOMATION IS INACCURATE.
Consumer complaint received 2021-11-23
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. (MI)

XXXX NEVER reports payments I've made to any credit bureau and they refuse to update the principal balance which has been decreasing with my payments that I'm making. All XXXX credit bureaus refuse to help. XXXX is enough. I will get a lawyer if the CFPB doesn't so their job and XXXX continues to XXXX over borrowers and not report properly under XXXX XXXX. They also have NEVER provided me any kind of statement there is only XXXX in my account they have no other statements except for XXXX month I have contacted the XXXX XXXX I have contacted the XXXX XXXX XXXX I have contacted you here I have contacted the XXXX XXXX XXXX and I can not get any of my statements. I never know how much interest they are charging me how it is being applied my payments and how they are being applied I show nothing I get no statements. This is not legal.
Consumer complaint received 2019-05-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP (MO)

on XX/XX/2019 there was a ATM deposit of XXXX then XXXX credit to the student account. the ATM Number and Location : XXXX - XXXX - XXXX, IL. I also see two checks dated XX/XX/2019 for the amount of XXXX with this number XXXX on top right front corner and top has a Sequence No. : XXXX XX/XX/2019 for the amount of XXXX with this number XXXX on top right corner and top has a Sequence No. : XXXXchecks read XXXX  of district XXXX XXXX  XXXX  XXXX BANK and on the back show US Bank  ATM XXXX XXXX XXXX XXXX MN XXXX. This is why my savings and checking account is frozen due to this problem. Can you please help resolve this issue thanks.
Consumer complaint received 2019-04-30
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: MRS BPO, LLC (NY)

I keep getting calls from this number and I have told them they have the wrong person and they would still call me. I have blocked the number on my phone and they keep calling me from different numbers. How many numbers can I block? This company is calling me frequently on weekdays, weekends and non-stop. 

Apparently its from a debt collection company called MRS Associates based in NJ
Consumer complaint received 2018-11-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY (AE)

On XX/XX/2018 a " legal '' department from county contacted my mother inlaw about having to appear before court over a debt that was owed. Gave her the number to call ( XXXX ) along with a case number. Said it was urgent that she passed the message along before I had any legal ramifications. I contacted the said number and they stated they belonged to the county legal department and asked for my case number which I replied and they put me on hold or what sounded like a muted phone. They said I had an outstanding debt to my bank for an old account. They told me to verify my social ( which they had ) but they did not have my account number. They said my mailing address needed to be verified but they gave me a wrong address. I did not verify the address as I knew it was wrong but did not want to confirm my social as it was correct but i knew I did not have a debt with my bank nor loan. They told me I could either go to court and resolve the {$4000.00} debt or resolve it offline with a {$580.00} payment over the phone or money order. I would then get an emailed receipt that I would've digitally signed the confirmation receipt they would send me after the payment over the phone. They were very eager to resolve the debt over the phone in an instant and with a one time payment. They claimed I received letters and final notices which I didn't. I ended the call as they requested my card information. I immediately called my bank to validate said claims but they were not true. I am in good standing with my bank and my account is still active.