davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (TX)

Attention : XXXX XXXX, I recently obtained a copy of my credit report from your service and have found the following items to be in error. I have provided documentation as evidence that the items in question are inaccurate and need to be deleted from my credit report. 
Item # XXXX : I dispute XXXX XXXX XXXXXXXX XXXX {$24000.00}, account XXXX. This payment history is wrong. I have attached payment history XXXX XXXX XXXXXXXX agreed to. XXXX XXXX XXXXXXXX has been reporting my auto loan account XXXX. 
They are reporting this account as charge off no payment received. Yet I have been making payments over the last year. I have provided proof of some of the payments I have made. 
Please delete this account. XXXX XXXX XXXXXXXX did not report this account correct for more than a year. This account is more than XXXX XXXX XXXX. 
Per Section 611 of the Fair Credit Reporting Act, I am requesting that you re-investigate those items indicated, and promptly delete any item that is not valid, is inaccurate, or has outdated information from my credit report.

In addition, I am requesting a description of how the investigation was conducted along with the name, address, and telephone number of anyone contacted for information.

Please send me an updated copy of my report, and notification that items have been deleted. I will consider 30 days a reasonable time for you to validate these items. 
Thank you for your prompt attention in this matter. 
Respectfully, XXXX XXXX XXXX
Consumer complaint received 2024-01-25
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FinCo Services Inc DBA Current (MA)

I have been hacked 3 times while using Current Bank. Somebody takes money from my account using my virtual card and whats awful is it can take up to 90 days before they can give the money back because of their seemingly faulty system. 

All info is in the screenshots.
Consumer complaint received 2019-03-14
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO. (GA)

I have been charged 5 overdraft fees in a month. This is excessive. I went into a branch location and spoke to a branch manager for help and he was unable to assist. I explained that I recently lost my job XX/XX/XXXX so it is taking me a little more time to get money into my account but I am able to deposit the money same day. I still get hit with fees. I have been charged {$170.00} worth of fees in less than a month. Every rep I spoke to on the phone seemed unwilling to help or empathize with my situation saying that they can not do anything I am ready to close my account at this point because I can not afford to keep paying overdraft fees especially when I have not received my first paycheck. I have also been told several different cut off times from XXXX, XXXX, XXXX, XXXX, XXXX. It seems as though the phone reps are all on a different page. I explained to the branch manager that I will receive my first check XX/XX/XXXX. There should be a limit on how many OD fees a bank charges someone. Especially during times of financial difficulties.
Consumer complaint received 2024-02-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P. (MS)

Southwest Credit Systems LP is attempting to collect an alleged debt. I have never been involved in a transaction with this entity, not to my knowledge. The alleged debt is not mine. The entire amount is disputed under the FDCPA. I never gave this entity permission to contact me through any medium. This entity is to CEASE all communications in regards to this alleged debt.
Consumer complaint received 2024-02-05
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. (NY)

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 2021-12-23
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. (TX)

I got a copy of my credit report and noticed some accounts and inquiries that i did not authorize. I contacted the company 's and was told the documentation required to remove the unauthorized items and they are attached. I would like the issue taken care of immediately as i am trying to start a new job thats these issues are making more difficult than it should be.
Consumer complaint received 2021-12-08
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: JPMORGAN CHASE & CO. (MD)

Earlier this year, my siblings and I received the proceeds from a sale of family property in XXXX. My sister sent me approx. {$15000.00} via wire from XXXX to my Chase Bank checking account on approx. XX/XX/21. I was told that funds would be available in a couple of days and after waiting for several days, the money no longer showed in my account and I was told that an investigation was being done for international money laundering. I was told that once the investigation was finished, the funds would be available to me and that this would take approx. XXXX weeks. All this time, I have received the run-around. At one point, I was told that a check had been mailed to me. After XXXX weeks, OOPS! -- that was a mistake. Then, I was told that the funds were deposited to my account, but my account had been closed due to overdrafts that resulted in my funds not being available. So, I paid the overdraft fees and fines and was told that the funds would be deposited shortly. I was told over and over again, " Be patient, XXXX XXXX '', it's takes time, but be assured, it will happen any day. Well, days have turned to months. Currently, XXXX XXXX XXXX, XXXX of the XXXX, MD branch has been telling me for XXXX weeks that she is trying to get authorization to pay me " in-store '' rather than waiting for whomever to do whatever needs to happen to shake loose my money.
Consumer complaint received 2021-12-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A. (TX)

Good Morning.

PNC transitioned BBVA customers to their systems on XX/XX/21. Some of our accounts were migrated, but two of them were not. I contacted XXXX ( XXXX ) @ PNC on XX/XX/21 ; she acknowledged that there was a problem and that she would get those two accounts migrated. She said it would be done by XX/XX/21. This did not occur. I contacted XXXX the following week ; again she looked into it and it would be corrected this time. We still were unable to access these two accounts. On Saturday XX/XX/21, I was contacted by XXXX XXXX. I worked with XXXX all day XX/XX/21 ; the two missing accounts were finally brought over. They were brought over as 'Virtual Accounts ' and not real checking and savings accounts. We were unable to view any transactions, transfer, withdrawal, or do anything with these accounts. I sent screenshots documenting these issues to PNC. There was no change. Starting XX/XX/21 through today ( XX/XX/21 ) i have worked with XXXX XXXX. He has been unable to get these accounts corrected and gives me indication that they are correctly listed as 'Virtual Accounts '. I have explained that they are not anything like the accounts were before and we can not access anything related to them. 

It should also be noted that a week prior to the transition we lost our ability to send Bill Payments from our accounts. It has been 65 days since we have had full access & functionality to these accounts. I have spent a minimum of XXXX hours trying to resolve this issue.
Consumer complaint received 2021-12-08
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: JPMORGAN CHASE & CO. (NY)

On XX/XX/XXXX I stayed at XXXX XXXX hotel for two nights culminating in a charge of {$850.00} which posted on my account on or about XX/XX/XXXX. The elevators were not working in the hotel properly during the stay and upon checkout on XX/XX/XXXX after waiting 30 minutes for an elevator my guest and I were forced to walk down 19 flights of stairs with heavy luggage. This brought back flashbacks of 9/11 for which I was intimately involved. XXXX XXXX refused to do anything regarding this horrific breach in service. 

I then called Chase Sapphire to dispute the charge for which XXXX in disputes told me : a ) I had no right to dispute the charge and b ) more glaringly, that I could not file a complaint with the CPFB until I spoke with a supervisor... which is utterly ludicrous. 

Chase should not be in the business of thwarting a consumer 's right to file a complaint. Hence, here we are. I recorded the conversation for your review.
Consumer complaint received 2021-12-08
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. (FL)

1. ) XXXX, Equifax and XXXX refuse to remove fraudulent accounts from my credit profile in which is a result of identity theft. 2. ) Their claims are without facts and they make statements such as the creditor certified the information. 3. ) Upon my request to to review the certification documents that the creditor certified all credit reporting agencies denied my access to review the file. 4. ) a creditor must not certify its claims ; it must verify its claims and alleged debts in which XXXX has not verified its alleged debt, there is no original contract between I and XXXX and I have never lived at XXXX XXXX XXXX XXXX XXXX ; XXXX Florida XXXX. XXXX. ) therefore no debt can be verified and must be removed and I am no longer to be harassed by XXXX over debt that is the result of identity theft.
Consumer complaint received 2024-02-05
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. (GA)

I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed one account that i wanted a little more explanation ; this account ( XXXX XXXX XXXXXXXX ) is SPECIFICALLY reporting INACCURATE. I have been sending in numerous letters for the past few months and I have not gained any recognition on my dispute!!! On each credit bureau the information is reporting un-accordingly on Numerous details and XXXX, equifax, and XXXX refuse to hold this creditor accountable!! the Fair Credit Reporting Act where it said by law, I had rights to challenge anything I am not sure is accurate. Each credit bureau is VIOLATING my rights and this law!

15 U.S.C. Sec. 1681i ( a ) States that if you can't provide proof, these accounts must be deleted. Well I want this account deleted lf they are not 100 percent correct on all XXXX bureaus So, could you please check on this account and get back with me? I met with the state board where a lawyer says you have 30 days to complete this investigation. 
Please investigate the following account and remove them if anything is missing or not correct on them. 

Type of Account : Charge-Off Action Requested : You Have disobeyed the FCRA laws PLEASE investigate if every piece of information is correct. If not, please remove it from my credit report. Also, please let mo know who had access to my fle. I want the investigation outcome to be sent to my address! put on the Headline. Please provide proof that its reporting correctly from the CourtHouse and not a third party and delete if anything is incorrect. Thank you for your time and help in this matter.
Consumer complaint received 2021-12-08
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: JPMORGAN CHASE & CO. (IL)

I called XX/XX/2021 to speak to Chase Auto regarding inaccurate information being reported on my auto consumer account. Chase Auto inaccurately attempted to collect debts not owed where payment was not only received on time but also processed and collected from my banking institution prior to sending late payment notifications. I advised two extremely rude and unprofessional representatives ( XXXX XXXX & XXXX XXXX ) of the same who failed to provide sufficient validation that the error and inaccuracies would be rectified. On XX/XX/2021, I received notification from the credit reporting agencies that adverse action had been taken and reported on my credit report. After speaking with another rude and highly unprofessional agent ( XXXX XXXX ) the issue was still not satisfactorily resolved. This kind of treatment is abusive and is a violation of my rights, applicable laws, and contractual agreements. Immediate remedy is requested.
Consumer complaint received 2019-03-14
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Blitt and Gaines, P.C. (IL)

Blitt and Gains did not send notification to dispute dept also the dept in question is older than 8 years so the sod is up but it does not say they can not sue on the letter which is misleading. This dept was also re aged by different creditor to the year XX/XX/2017. My last 4 digits of my social security are XXXX I was not able to put them in on my mobile phone in the car next step.
Consumer complaint received 2024-02-05
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. (FL)

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 2022-02-17
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP (CA)

A {$100.00} XXXX Gift Card I purchased at my local XXXX XXXX on XX/XX/22 XXXX was immediately deactivated by the time I logged in at home to register the gift card on XXXX. I went to back to XXXX XXXX to verify if they somehow didn't activate it, but they referred me to their gift card helpline at XXXX. I had to call the XXXX ( XXXX ) help line the next morning on XX/XX/22 since they were already closed. The XXXX help line said their system showed that the card was activated and authorized for the {$100.00} - Case # XXXX documented my inquiry to XXXX. 
I then called the number on the back of the XXXX  Gift Card XXXX. I spoke with XXXX giving him the last 8 digits on the back of the card, and he informed me that their fraud dept. had deactivated the card due to potential fraud. I explained that I just purchased the card last night, and I was not able to even registered the card on their website due to the site giving an invalid card number error. 
XXXX was only able to offer me a replacement card to arrive by regular mail in 7 to 14 business days. I mentioned to him if you're trying to avoid fraud on the card then expedite delivery of the replacement card through XXXX or XXXX not regular mail where it can be lost or stolen. XXXX responded they don't offer any other delivery method. He was not able to provide a case number or tracking number in reference to the replacement card. When I asked for a supervisor he hurried me off the call and hung up on me ignoring my concerns. 
XXXX  Gift Card company is making money off the {$100.00} that I can't use until the replacement card arrives. It is unfair that they not only make money off the {$5.00} activation fee, but now they have pocketed my money for 2 weeks. I have been greatly inconvenienced not being able to utilize the gift card to pay bills. This business practice should be unlawful.
Consumer complaint received 2021-12-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX {$200.00} XXXX XXXX {$1200.00} XXXX {$1700.00}
Consumer complaint received 2024-01-23
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)

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 2021-12-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the account that is reporting on my XXXX XXXX : XXXX {$10000.00}
Consumer complaint received 2021-09-23
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (CA)

Good afternoon, On XX/XX/XXXX I realized that my savings account with Chase Bank had been compromised via XXXX. Someone had gotten access to my savings account information and attached it to a XXXX account, fraudulently used my name, but not my social security number, address, email or phone number. They did not have to provide any type of verification that they were who they said they were and Chase allowed them to steal over {$6200.00} worth of my hard earned money. I am a single mom trying to raise a daughter in California and for this to happen to me is devastating to say the least. I have since closed my account with Chase. 

The transactions started on XX/XX/XXXX XX/XX/XXXX - {$190.00} XX/XX/XXXX - {$190.00} XX/XX/XXXX - {$190.00} XX/XX/XXXX - {$190.00} XX/XX/XXXX - {$190.00} XXXX = {$790.00} XX/XX/XXXX - {$190.00} XXXX = {$790.00} XX/XX/XXXX - {$420.00} XXXX - {$490.00} XXXX - {$990.00} XXXX - {$1900.00} XXXX- {$6200.00} Don't we put our money in a bank to protect it? They refunded me only {$990.00} to then send me a letter on XX/XX/XXXX asking for that money back! They know this is fraudulent activity and XXXX has verified this as well with the countless calls I have made to them, but never has anyone sent me any correspondence regarding how this has happened or why. I can't get anyone to give me a clear answer and I'm disgusted. This is my last hope. Please help me get back what is mine.
Consumer complaint received 2021-10-02
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: CBC Companies, Inc. (TX)

My local bank run a credit report for us to process a loan request, and we found out that there are two accounts listed as sent to " collection agency/attorney ''. These accounts are : 1. XXXX XXXX XXXX, opened XX/XX/XXXX, closed XX/XX/XXXX and listed as " Affected by natural disaster ; Closed ''. Account balance is {$670.00}. 
2. XXXX XXXX, opened XX/XX/XXXX, closed XX/XX/XXXX and listed as " Affected by natural disaster ; Closed ''. Account balance is {$370.00}. 
Neither my husband or I have opened an account with XXXX XXXX XXXX or XXXX XXXX this year or in the past few years. 
Additionally, the credit report list an employer for either my husband or I as " XXXX XXXX XXXX ''. Neither one of us had worked for this employer. 
We presently do not have an account with XXXX XXXX XXXX at all. We have an account with XXXX XXXX which was opened in XXXX and is still active with no late payments ever. 
I believe these two accounts belong to someone else other than my husband or I. I am not sure if due to fraud or similar names. I need the credit agency to investigate these two accounts. I have called both XXXX XXXX XXXX and XXXX XXXX  on XX/XX/XXXX and neither one of these companies can find the accounts listed in this report under our profiles. They stated we would need an account number to help clear out any issue. However, we could not produce an account number as we DO NOT have an account which was opened in XX/XX/XXXX for either of these accounts.