davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-02-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (OH)

Wells Fargo is falsely reporting information to the three credit bureaus, XXXX, XXXX, and XXXX. They are reporting payments as late, when they are not. They are reporting this account as closed, when it is not. They are reporting this vehicle as a repossession, when I have custody of the vehicle and am currently making payments on this loan. They incorrectly charged this account off, 18 days after receiving the XXXX payment. They refer to the XXXX payment as a redemption payment, It is not. It was a reimbursement for impound fees that my daughter incurred. This payment needed to be made before XX/XX/XXXX, to avoid repossession status. It was made on XX/XX/XXXX. Wells Fargo is showing, incorrectly, on my account that I paid this payment on XX/XX/XXXX. 

Screen shots of this account has the amount that I paid incorrect, as well as the date. I am just a cosigner to this loan. They are adversely affecting my credit, while they are still receiving payments and this account is current. They have reported the XX/XX/XXXX payment as 30 days late. It is not. They had this account locked out until XX/XX/XXXX or XXXX, XXXX. I made the payment on XX/XX/XXXX. It posted XX/XX/XXXX. This particular payment, just a couple weeks ago showed as being made on time, on my credit report. Now it has been changed to 30 days late, which is incorrect. 

The account in question is listed in the documents that I will provide. I have included documents showing that I paid to have this vehicle towed to my residence on XX/XX/XXXX, as well as screenshots of the account. I currently have complaints or disputes open with XXXX, XXXX, XXXX, and The Ohio Attorney General.
Consumer complaint received 2019-08-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I have a small business ATM debit card through Bank of America and for the last year I've had transactions from XXXX XXXX XXXX XXXX XXXX taking out money every month I requested the bank to stop these transactions cuz they were fraudulent after 1 month returns came back and they kept taking the money after 3-4 months they couldn't be stopped they changed my card then they put a stop payment on it they told me I had to close the account was the only way to fix it I asked for my money back they gave me some money back and then they took the money back again and said there was a time frame problem finally after the account was closed a month later I started receiving overdraft fees for this account because they're still letting these companies take the money out on a closed account and now they want me to pay overdraft fees and collection I did everything they told me about making this stop and they could not make it stop they told me that Visa has an agreement with them that allows these purchases go through
Consumer complaint received 2019-08-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

Trans Union File Number XXXX Date Issued XX/XX/XXXX contains information from a third Supplemental Information obtained by XXXX XXXX XXXX XXXX dated XX/XX/XXXX and XXXX XXXX XXXX which should not have been placed in my Trans Union Credit Report.
Consumer complaint received 2021-12-15
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: U.S. BANCORP (MN)

This morning I checked my checking account and found that there were funds taken from my account twice - once from the previous month, and this month - services I already paid for, and that were deducted from my account on the days they were reported. My account, on the days in question had about a thousand dollars in it, enough to cover XXXX bills and payments. These are not accounts that have my account information, XXXX XXXXXXXX, XXXX XXXX, or XXXX XXXX. I went into a US bank branch to stop them from allowing XXXX to take money out of my account, as I'm unable to reach anyone from XXXX, to have them fix the issue. Here 's the crux of my complaint. A bank can not charge your account twice for services it's already allowed to be taken from your account. I want my money back, and If this persist, I will file a civil suit against USBank corp.
Consumer complaint received 2021-03-25
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 am a victim of identity theft. Please delete or remove these items on my behalf. These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2024-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt XXXX, which falls under XXXX  according to XXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four ( 4 ) business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX  of XXXX XXXX and would like for all listed accounts to be blocked and deleted company information XXXX, Equifax, and XXXX. Please delete the following accounts and ANY and ALL inquires associated with the accounts. The accounts are XXXX with a bal. of {$19000.00}, XXXX XXXXXXXX XXXX  with a bal. of {$2200.00}, XXXX XXXX with a bal. of {$450.00}, XXXX with a bal. of {$1100.00}, XXXX XXXX with a bal. of {$240.00}, XXXX XXXX XXXXXXXX with a bal. of {$260.00}.
Consumer complaint received 2019-07-03
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: PNC Bank N.A. (GA)

The personal loan was originated in XX/XX/XXXX with maturity in XX/XX/XXXXwith 5.99 % APR if I had an auto payment from a PNC checking account. I usually transferred money from XXXX checking account into my PNC account prior to auto payment due date ( XXXX of the month ). 
In XX/XX/XXXX they started to charge my checking account at PNC and I was notified before however the payment from XXXX to PNC was not increased by me ( my fault ) and I got my first Not Sufficient Fund! I fixed that issue by changing my PNC checking account type. The payment was paid in full in XX/XX/XXXX without going any cycle past due. 
In XX/XX/XXXX the money was in transfer from XXXX to PNC checking ( the weekend is not counted for transfers ) when I got my second NSF! The payment was paid in full again after the fund transfer was completed. 
After that a series of issues started 1- PNC bank cancelled my auto payment plan 2- they increased my rate 25 basis points. 
After talking to two customer service specialists I was told by both of them, it should have happened after 3 NSF while I had 2 of them so it's wrong and they filed the rate dispute for me. Finally when I asked to talk to a manager he didn't even bothered to look into my account, credit bureau profile and payment history with PNC. He immediately started to say the decision has been made and there's no appealing process or complaining system in place. He mentioned it's a pure subjective decision making process to increase your rate whenever they feel it's needed not 3 NSF as previous agents mentioned. They training has huge flaws. He even couldn't answer my question about how he came up with this idea that my payment pattern is showing a risky pattern!
Consumer complaint received 2019-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: ID Analytics, Inc. (NC)

Was denied credit for inaccurate information reported by Sagestream LLC. I called many times to freeze my report, view the report and to block any potential false information from being reported. No one answers calls or responds to the many voicemail messages left. Their website says to fax all of my personal information just to request a freeze on my report. I never heard of this company and do not feel safe sending them my information and I can't even reach them by phone.
Consumer complaint received 2023-06-12
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: WESTERN UNION COMPANY, THE (WA)

On XX/XX/XXXX, I sent {$5000.00} from my checking account to my friend 's bank account in XXXX via Western Union XXXX. According to Western Union, the money is sent to the XXXX bank on XX/XX/XXXX. However my friend still hasn't received my money today.
Consumer complaint received 2023-06-12
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: Experian Information Solutions Inc. (CA)

I am getting multiple HARD INQUIRIES on my Experian app. 

XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am also getting denial for credit from others XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX I never made these inquiries.
Consumer complaint received 2020-05-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: JPMORGAN CHASE & CO. (UT)

I have attempted multiple times to contact Chase with no success. I want to close my two accounts I hold with them because I have been impacted by the current COVID-19 but when I log on to try and get assistance as they claim through their website, it says my accounts are not eligible. I want to try and set up payments to pay off my balances, but I can't get anyone to help me. It seems convenient for them to not be available to take my calls and yet still charge me interest and late fees on accounts that are " not eligible '' for COVID-19 relief.
Consumer complaint received 2019-03-03
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SMITH, ROUCHON & ASSOCIATES, INC. (MS)

I have sent a letter of debt validation to this company to validate the accused debt. This company has failed to validate this debt as requested within 30 days of receipt request. I have submitted various dispute with the credit bureaus and this company has sent a response back as the debt being verified. However, this company failed to validate my request.
Consumer complaint received 2019-08-16
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

XXXX XXXX XXXX ( under XXXX XXXX and XXXX Legal Title Trust, by XXXX XXXX XXXX XXXX orchestrated a fraudulent mortgage assignment on my property XXXX XXXX XXXX, XXXX, PA XXXX. This assignment was recorded on XX/XX/XXXX, the XXXX XXXX XXXX and XXXX Legal Title Trust, by XXXX XXXX XXXX XXXX both " Pooling and Servicing Agreements '' would have expired. There is a cut-date for ALL securitized trust. 

As a result, all entities violated Pennsylvania Law for Mortgage Assignments, TILA, RESPA, FDCPA, and leaving the consumer with a clouded title due to the numerous deceptive assignments.
Consumer complaint received 2019-03-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (FL)

two collections opened by XXXX one XX/XX/2018 one XX/XX/2018 for same amount same original creditor that are not mine. tried to dispute with Equifax .they make it hard. 
I tired one hundred times they as soon as I get close after filling out tons of info screen denies request they say their busy try again. Equifax only credit bureau doing this other ones know it was not mine.The worst is they posted it twice and lowered my score twice for the same wrong info. Equifax is making it hard on purpose PLEASE do something.
Consumer complaint received 2019-03-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Innovis (NJ)

I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the C.L.U.E.Report and other furnished XXXX XXXX, XXXX XXXX, Innovis inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX XXXX XXXX My current and only address is XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX I have unknown or fraudulent addresses appearing on my credit report and I am requesting that these items be removed and updated. Please remove the following addresses : PO BOX XXXX, XXXX, NJ XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XX/XX/XXXX PO BOX XXXX, XXXX, NJ XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NJ XXXX XX/XX/XXXX PO BOX XXXX, XXXX, NJ XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX, NJ XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XX/XX/XXXX Please Delete the following numbers, I am no longer associated with them : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX
Consumer complaint received 2023-06-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (IL)

I was hacked! XXXX XXXX opened in my name & money taken from my checking account w Chase, amounting to {$6400.00}. Money was transferred from my XXXX XXXX Account. Wen i found out about it, money was gone! XXXX found & scrubbed spyware from phone. Checking my XXXX XXXX XXXX account. Believe they hacked that too! Have paperwork chase sent me, so send me ur address & ill mail it to u
Consumer complaint received 2023-06-14
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: FC HoldCo LLC (TN)

My loan is past due, but I have been making payments and have been told that I am good. The loan company is Flagship Credit. On Friday XX/XX/XXXX I made a payment and an agreement to continue to make a payment within the next 30 days. The agent was in agreement. 
On XX/XX/2023 I got call from Flagship and as I answered they hung up, On XX/XX/XXXX, at XXXX XXXX  I got a call and answered and they hung up on me. I get another call XXXX XXXX  on the dot and again they hung up on me. I get a call yesteday ( XX/XX/XXXX ) at XXXX I talked to them for 6 minutes and 59 seconds and the agent ended up hanging up on me because I kept demanding to know why the multiple calls after an agreement was made, I got another call this same day at XXXX and again they hung up on me. Today ( XX/XX/XXXX ) I got a call at XXXX and they hung up, I got call at XXXX and asked the agent why they were calling and that I was filing complaint, she hung up. then at XXXX ( not even 10 minutes later I get another call from them and they hung up. 
They led the consumer to think that they have an agreement then hound them every day until the agreed date. When you are able to get an agent to stay on the phone they will act like they XXXX XXXX XXXX and refused to answer direct pointed questions.
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (VA)

Consumer Name : XXXX XXXX, Consumer Social Security Number : Last four XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of an account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, account opened at XXXX XXXX XXXX XXXX  on XX/XX/XXXX under the account number XXXX, account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, account opened at XXXX on XX/XX/XXXX under the account number XXXXThese accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud
Consumer complaint received 2020-05-19
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: Neon Newco Corporation (CA)

I purchased a net spend card this morning and placed all the cash that I had left on the card to pay for a hotel room since I was driving for several hours and didn't feel it was safe for me to be on the road. I called to activate the card and was told I wasn't eligible to use it due to past accounts, I have never had a net spend card I also I filed identity theft through the FTC over a year ago nothing from this company has ever been brought to my attention. They said that there was no way to transfer or give me back my money I had to wait for a check.
Consumer complaint received 2020-06-11
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. (AR)

I Have several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasn't approved so it prompted me to check my credit report. These items listed are not mine and need to be deleted from my credit report. 

XXXX XXXXXXXX {$4200.00}
Consumer complaint received 2024-09-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (OR)

On XX/XX/year>XXXX  I used my chime card at a ATM to pull out XXXX $ It processed it as if it was dispensing the cash but didn't dispense any cash at all. So I checked my chime account balance and it showed that it took the requested funds ( XXXX $ ) out of my chime account balance, so i waited 24 / 48 hours thinking it would automatically be returned to my chime account balance unfortunately after 48 hours the funds were still not showing in my chime account balance so at that point the transaction went from pending to posted so i went ahead and filed a dispute on XX/XX/year> explaining what happened & after a few days from submitting the dispute claim i got a email from chime denying my dispute claim so now i am out XXXX $ plus the ATM fees on both sides.
Consumer complaint received 2024-10-25
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. (MD)

It came to my attention, after checking my credit report, there appears a hard inquiry on there through Equifax consumer reporting agency and XXXX XXXX. I disputed this very quickly, and I asked the customer service representative, why is this inquiry on my consumer report? Then I informed the representative, according to the FCRA this is a violation of 15 U.S. Code 1681a. The section concerning the communication of information of common ownership or affiliated by corporate control. According to the regulation, such communication is permissible only if it is clearly and conspicuously disclosed first to the consumer, and if the consumer is given the opportunity to opt-out prior to the communication of such information.