davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-06-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (MN)

Here is another account that is reporting incorrect information XXXX XXXX is showing a 30 day late on XX/XX/19 also another 30 day late on XX/XX/19 how is this possible?? XXXX is showing a 30 day late on XX/XX/2019 then a 90 day on XX/XX/2019? XXXX is showing a 30 day late on XX/XX/19 XXXX is showing 30 day on XX/XX/19 then a 90 day in XXXX How is this Possible each agencies is showing different late payments on different Month? I have disputed this account more than 15 times with the reporting agencies and Guess what They say citi is verifying this information correctly I'm sick of the games that you and the reporting agencies play please delete this account ASAP as the information is incorrect fcra states that credit reports must report 100 % accurate The law is very clear as to the Civil liability and the remedy available to me I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
Consumer complaint received 2019-03-30
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Privacy issues
Company: SYNCHRONY FINANCIAL (VA)

On XX/XX/2019, My on line access to my account was locked with a phone number that first I was told was provided bay a third party then was provided by Public Records. Synchrony Bank stated that XXXX XXXX XXXX was responsible for providing the phone number from those sources. They could not grant me access to my account. Access to my account was being restricted by my access to a phone number that they had no ideal who had access to the phone. 
XXXX XXXX XXXX was contacted and said they had no access to, nor had the responsibility for providing this information.
Consumer complaint received 2019-06-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: JPMORGAN CHASE & CO. (WA)

Chase maintains that they can not place a Fraud Alert on my account after their recent data breach, resulting in a very specific phishing email I received today and reported to Chase Customer Service. 

Please contact me regarding corrective action that needs to be taken by Chase.
Consumer complaint received 2019-04-19
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. (GA)

I'm soon to be in the market to purchase a home. With that being said I started by checking my credit report to know my score number. After doing so I noticed a couple of items that are not mine on my credit report. These items need to be deleted from my credit report. I have reached out to the FTC and local police. Im also doing this on my own behalf. XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX. Inquires : XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX.
Consumer complaint received 2018-09-26
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: WELLS FARGO & COMPANY (MN)

The account is declared Paid on my XX/XX/2018 credit report, but creditor will not provide written verification that the account is resolved.
Consumer complaint received 2019-06-01
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: ACIMA CREDIT, LLC (TX)

XXXX XXXX XXXX has taken money from my account without authorization TWICE. I agreed to a catch-up plan with this company because I was one payment behind on furniture rental. The verbal and written authorization was for the amount of XXXX. Instead, XXXX XXXX ran the payment from my account for XXXX on XX/XX/19 which was not the amount that we agreed upon. This overdrew my account because I had only enough money in the account to cover the amount of the payment. They refunded the money to me but did not cover any overdraft fees even though they were the reason for my overdraft fees The second time was today, XX/XX/19. I chatted with an agent named XXXX and I agreed for another catch-up plan to start on XX/XX/19 for the amounts of XXXX and another payment to be taken on XX/XX/19 for XXXX. These were to be my final two payments for the account and they were to be taken from my XXXX XXXX acct. Today ( XX/XX/19 ) they took payment for XXXX from another account and I did not authorize that. I have screenshots from the chat that I conducted with XXXX and I explained in the chat that the last fiasco that we had resulted in overdraft fees and that I was not able to make this months payment. This is a horrible business that lives to takes its customers money. Just because it caters to consumers with. not so good credit does not mean that we can just be taken advantage of. I WANT MY MONEY BACK and I plan to file a dispute with my bank. This is craziness and I need it to stop.
Consumer complaint received 2019-06-01
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: SYNCHRONY FINANCIAL (AZ)

Unauthorized account ownership of a store credit card. I was helping a friend out with car problems and he didn't have the money to pay for new tires. I agreed to be an authorized signer for a XXXX XXXX XXXX   credit card. Not an owner of any sort because I didn't want it to be part of my credit. I was deceived and misinformed by the employee of XXXX XXXX, he said I wouldnt be an owner or liable of the account if they use me as an authorized signer to help my friend get approved. I signed not knowing what I was signing because I was young and they made it seem I wouldnt be affected at all. This took place around XX/XX/2016 at the XXXX XXXX XXXX on XXXX XXXX XXXX, XXXX, AZ. Ever since Ive been trying to get this corrected and off my report and nothing has changed when it was never authorized. It says I am the sole owner of the account which I never agreed to be an owner but it doesn't report on my friend at all when he signed paperwork in front of me to be the sole owner of the account and it shows up in my name? I feel mistreated and abused by XXXX XXXX for putting something in my name only when we both signed the paperwork but I only signed as an authorized user to help his approval odds.
Consumer complaint received 2019-06-01
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (NJ)

I wanted to purchase some in XXXX XXXX from a guy online and I was talking to him through an app called XXXX I sent him {$42.00} for the XXXX for a game called XXXX XXXX he immediately blocked me and never sent me the XXXX therefore scamming me for XXXX dollars. I would like to get the money refunded since I was scammed, I contacted paypal and they told me there was nothing I could do since the guy made me send the payment as family/friend. I have attached images showing that he scammed me and blocked me after I sent the money I will also share with you the paypal transaction.
Consumer complaint received 2019-06-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/2019 I logged into my Chase banking account to manage my finances. I noticed one of my two checking accounts balances seemed low so I double-checked the transactions. In doing so, I see 2 Quickpay with XXXX transactions on XX/XX/2019, one for {$1000.00} and the other for {$530.00}. I have never seen the names the money went to so I immediately called Chase customer service to report the fraud. They recommended me to visit a branch in-person to close the account. I immediately go to a branch to close my checking account that I had for 20 years and open a new one, to prevent any further fraudulent activity. Chase informed me that while they investigated they would temporarily reimburse the lost money. 

On XX/XX/2019 I received a letter dated XX/XX/2019 that Chase had completed their investigation and has found that the transactions were processed correctly or was authorized. Also that the funds that they had initially reimbursed me would be removed on XX/XX/2019. I immediately call the number listed on the letter in which the person I spoke with recommended I visit a branch instead. I return to the same branch near my house to dispute the letter. I go over the issue with the Assistant Branch Manager and she escalates the case with Chase Fraud Department. I asked Chase for the information that was used to determine my case and was told that they could not give that to me although in the letter, it specifically says that I could request it. Instead I was advised to take screenshots of my phone and laptop ip addresses and to email them to Chase Fraud Dept. The Asst. BM lets me know that it will take a few days for them to review the case but reassures me that she will keep me updated. 

On XX/XX/2019, Chase withdraws the funds as was indicated on the letter and I call the Asst. Branch manager to re-inquire about the status of my case. She lets me know that while they reopened the case, it was not possible to postpone the withdrawal and that currently the escalated case was still under investigation. She mentioned she would get back to me within another week to give me another update. 

As of today, XX/XX/2019, Chase has withdrawn funds from my account in the amount of {$1500.00} that was never authorized by me. Currently I am still waiting for an update and have reached out a few times by phone and email. I have not heard anything. 

I have been a loyal Chase customer for 20 years with 2 checking accounts and approximately 6 Chase credit cards. I requested them to review my usage habits as I believe it is quite evident in my behavior and reiterated that the 2 transactions were fraud. Absolutely incomprehensible that Chase would allow this kind of fraud to occur and then turn around and make me responsible for it. I will definitely rethink who I bank with if this is how Chase resolves their issues.
Consumer complaint received 2019-06-01
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (FL)

Wells Fargo bank is once again playing games with the way that they charge overdraft fees. They used to allow items to come through their system and charge you 1 OD fee for all transactions. Now they have changed their algorithm and are charging one XXXX fee for each transaction. I recently was charged XXXX dollars for 3 items that came through. One year ago they allowed the largest dollar amounts to come through 1st and charged 1 XXXX fee. Now they let all the smaller items come through and the larger items after and then charge you XXXX for each item after
Consumer complaint received 2019-06-01
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: PNC Bank N.A. (NC)

On dates listed below XXXX, XXXX and XX/XX/XXXX I disputed charges on my bank account. The amounts were {$110.00}, {$250.00}, {$390.00}, XXXX, and {$32.00}. My bank denied all of my disputes stating they were valid which is a lie. I paid these consumers with other means so its like the consumer has my money twice. I dont have the documentation due to my Mother has XXXX and Im traveling back and forth to help her and so Im basically living out of a suitcase. I explained this over and over to my branch, and over the phone numerous times. I check my account and on XX/XX/XXXX I notice Im in the negative for the following amounts of provisional credit being reversed {$27.00}, XXXX, {$70.00}, {$150.00}, {$220.00}, {$300.00}, and {$450.00}. I get no notice in the mail of why these credits were reversed! Then I received letters in the mail stating that on XX/XX/XXXX my bank was going to reverse the provisional credits they gave me due to my claim being denied. But no explanation of the denial and also I kept getting miscommunication that the fraud department never received my disputes from the branch. Those amounts are as followed ; {$120.00}, {$60.00}, {$200.00}, {$55.00}, {$110.00}, and {$83.00}. This has caused my account to go severely in the negative. I deposited between the dates of XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX over {$900.00} back into my account to try to get the account back in the positive. This whole ordeal has caused me mental and emotional distress. And I believe that Im entitled to receiving back at least my {$900.00} that I deposited to try to put the account back in the positive. Pnc Bank has been the worst and the most unprofessional bank I have ever dealt with.
Consumer complaint received 2019-06-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (MD)

I have been reaching out to equifax about inquiries that were fraudulent and i was told multiple times that this would be fixed and that these inquires would be deleted and that has not happen. This has been going on since XXXX.
Consumer complaint received 2019-04-18
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: BANK OF THE WEST (NV)

On XX/XX/XXXX I deposited {$45.00} to Bank Of The West at : XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX. I opened Checking and Savings. 

The next day I was hospitalized and unable to accomplish moving automatic deposits and other items that would otherwise be directed to this account. I remained hospitalized on more than one occasion and spoke with B of W personnel - explaining that I would be unable to attend to the matters - that I was XXXX and could not drive for a time. I requested the account be " FROZEN '' and that no further activity be allowed until such time as I could resolve this issue. 

B of W personnel assured me there would be no issue freezing the account - there was no activity and although a debit card was issued to the WRONG address - it was never activated and there was absolutely NO activity on the account whatsoever. At that time I requested the Account to be closed. Customer Service told me I would have to come in ( in Person ) to do this. I explained I was XXXX and not driving - and they persisted that this would have to be done IN PERSON. 

On XX/XX/XXXX I was issued a letter stating that my accounts were OVERDRAWN and that if I didn't bring them up to a current standard and pay the OVERDRAFT FEES that they would be starting Collections Actions and making a poor credit report about my banking activity / inactivity. 

On this day XX/XX/XXXX I spoke to the Bank 's Customer Service and they stated essentially the same thing - that despite the fact that I deposited {$45.00} and froze the account that they had SERVICE CHARGED ME to a ( - {$20.00} ) and that I would have to PAY TO CLOSE THE ACCOUNT FOR GOOD!!! 

This can't be good banking - and can not be legal. They did NOTHING for me but service charge me - not one single transaction - NOTHING!
Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :
Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2024-09-10
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. (AZ)

To Whom It May Concern, I am in the process of applying for employment and have been informed by the HR department that negative items on my credit report are adversely affecting my chances of securing a position. A legal friend of mine has informed me that I have the right to dispute the accuracy of this information, which appears to be in violation of 15 U.S. Code 1692e, prohibiting false, deceptive, or misleading representations in debt collection. 
According to the Fair Credit Reporting Act ( FCRA ), you are required to conduct a reasonable inIf you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports.Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
Accounts 1. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 

2. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 

3. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

4. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

5. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

6. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 

7. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 

8. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account.
Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NC)

I am writing to dispute the following information on my credit report. I have previously reported this information and requested method of verification. I have requested documentation proof of this information being accurate and have not received neither. I did not authorize these inquiries PLEASE remove them immediately. 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  I have not been provided as requested method of verification or documentation that justifies proof that these erroneous accounts are accurate and in fact reporting per FCRA requirements. PLEASE REMOVE THESE ACCOUNTS. Equifax 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 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
Consumer complaint received 2021-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

On XX/XX/21 I sent letters to each bureau reporting my identity theft along with my police report and FTC report. I have not received a response yet I feel like I'm being ignored about my FTC complaint. Section 1681 ( c ) plainly states that failure to investigate these items within 5 days gives a reason to immediately remove those items from my credit report. It has been over 45 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you have caused me. My information was also impacted by Equifax data breach.
Consumer complaint received 2019-04-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (PA)

date XX/XX/19 amount {$650.00}. Ditech agent proceeded to take two payments of {$650.00} when during the recorded phone call I told her I only had enough for one payment and when I get paid next week I would sent next payment. I looked at my bank account today after the gas station said there was no money on my debit card for gasoline. What I saw was an overdraft for {$500.00}, a {$28.00} charge fee from the bank, and a deficit on the account of {$160.00}. that is when I saw two ach to ditech each for XXXX. I then went to my email and saw two confirmations one minute apart even though only one payment was authorized. I have emailed ditech but have no money now for XXXX as like many others in the country, I live paycheck to paycheck and the little left til paycheck next week was just enough for XXXX. I am sure the company will say it was a mistake, but I would like to say a mistake with consequences. Possibly this double payment mistake has happened to others