davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-11-25
Product: Credit card — 
Issue: Arbitration — 
Company: JPMORGAN CHASE & CO. (IL)

XXXX refunded an alleged fraudulent purchase made by me without investigation, and locked me out of an account so that I could not re-purchase. This caused a dangerous situation, and I need this credit back. 

On XXXX XXXX, as an authorized credit card holder, an authorized user to make purchases, with my own card that included my name, I paid a bill with XXXX. Two months later ( a few weeks ago ), the charges were REVERSED FOR FRAUD! This was NOT FRAUD!!! This put my balance at XXXX $ with late fees and terminated my service AND prevented me from making payments using credit cards in the future on my tmobile account as they think I am a criminal @! 

Without some proof of " unauthorized use '' ( which is impossible if i was an authorized user and was permitted to use and pay the balance in the past ) i should not be subject to a conviction for unauthorized use under Federal or State laws which include as an element actual, intentional, unauthorized use. 

HOW does a charge get refunded over TWO MONTHS LATER!? ARREST ME! I MADE THE CHARGE, IT WAS NOT FRAUD!
Consumer complaint received 2024-09-02
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: Experian Information Solutions Inc. (CA)

I am writing to you as a concerned consumer regarding the accuracy and fairness of the information contained in my credit report. As you are aware, the Fair Credit Reporting Act ( FCRA ) ( 15 USC 1681 ), which was enacted to promote the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, grants me certain rights to ensure that my credit report is correct and that I am treated fairly in the credit reporting process. 
Under the FCRA, I am entitled to the following rights : The Right to Accurate Reporting The Right to Dispute Inaccurate Information The Right to Be Notified of Adverse Actions The Right to Limit Access to My Credit Report The Right to Privacy and Confidentiality The Right to Seek Damages for Violations I am asserting these rights in my dealings with your agency to ensure that my credit report is accurate, complete, and reflective of my true credit history. Any discrepancies or inaccuracies should be promptly corrected to avoid any adverse impact on my creditworthiness. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ENCORE CAPITAL GROUP INC. (PA)

According to 15 U.S.C. 1681, I have the right to dispute any inaccurate or incomplete information on my credit report. I believe that this account is being inaccurately reported. According to my records, If the account is in collections, it shouldnt have a balance, past due amount or say open. The reporting of this account as being in collections is inaccurate and has negatively affected my credit score.
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX and list of Inquiries. 

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 2023-04-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

TRANSUNION is obligated by the FCRA to report accurate accounting. ALL credit reports must match with other reports, with XXXX being the most accurate.Said company has 4 days according to LAW to remove such items that do not match with XXXX. I am requesting TRANSUNION to provide documentation that shows my credit report is matching my XXXX report.Said Company is liable under the SEC to follow certain rules. TRANSUNION commission file number XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX , New York XXXX. I will be filing form 211 treasury omb forms to audit consumers account. TRANSUNION is reporting contradicting information to what XXXX is reporting.
Consumer complaint received 2023-04-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (TX)

My account ending XXXX was closed. I told the bank someone was accessing and taking money out of my account. A dispute was open and so forth. I got my money back.Wells Fargo said they were going to closed my account and to withdraw my money. So I wired my money to XXXX  XXXX XXXX. Comes to find out Wells Fargo reported a transaction as wire fraud from a Wells Fargo saving account on XX/XX/XXXX. I never opened a saving account at Wells Fargo. Due to this information. XXXX  XXXX XXXX blocked and closed my account due to the information Wells Fargo had provided. XXXX  XXXX XXXX said I had to contact the issuing bank Wells Fargo for a wire recall in order to get my money back while they hold it. Wells Fargo said that cant do anything because the account is closed. I called and called but no one can help. Everyone is so oblivious one time I was transfer over 15 times and took over an hour. No one can find a solution, now when I call it says your call cant be completed at this time and hangs up. Its like my phone number was blacklisted. I have {$6500.00} that XXXX cant access because Wells Fargo doesnt want to contact XXXX  XXXX XXXX and tell them that the funds are legit and no error has occurred.
Consumer complaint received 2023-04-17
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: EQUIFAX, INC. (DC)

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  These lenders have not been authorized access to my credit report or profile. I have contacted each one individually regarding their unauthorized access to my report, to no avail.
Consumer complaint received 2023-04-17
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (DC)

I have a Countrywide mortgage that originated in XXXX. 

Bank of America states that they service the loan for XXXX XXXX XXXX XXXX XXXXXXXX. 

Bank of America has frozen my online access to the account and has returned over fifteen payments to me that I have made to the account. 

On XX/XX/XXXX : The Consumer Financial Protection Bureau announced Thursday ( XX/XX/XXXX ) that it has leveled a {$100.00} XXXX fine at Bank of America for allegedly messing up the disbursement of state unemployment benefits during the pandemic. 

Bank of America reportedly automatically and unlawfully froze peoples accounts with a flawed fraud detection program, according to a CFPB press release. The CFPB also alleged the bank didnt offer impacted individuals much recourse, even if there was no fraud. ( XXXX XXXX /XXXX/news/cfpbXXXX/cfpb-fines-bank-of-america-XXXX-over-alleged-unlawful-account-freezing/ ) According to several different Bank of America employees that I spoke to during the week of XX/XX/XXXX they have a right to freeze my account. 

They suggested I speak to the law firm of XXXX XXXX. XXXX. An attorney at XXXX XXXX. XXXX in XXXX, Maryland who I had emailed about the freeze before making some of the phone calls suggested I call Bank of America. 

Bank of America knows that I have applied for Homeowner Assistance Funds and have a HAF letter from the XXXX, DC Government office handling HAF ( https : //haf.dc.gov/ ). The attorney I spoke to at XXXX XXXX. XXXX has told me several times I am not in foreclosure. 

Regardless of this, Bank of America has frozen access to my account. When I wanted to retrieve some documents for my tax preparation I wasn't able to. In addition I have an interest in reviewing my account history and reviewing different documents as I have always been able. In this age of paperless statements and paperless documents the customer should be able to access their online accounts. There are particular documents I am interested in printing out and forwarding to the CFPB and others but I can't do it because I am frozen out of the account. 

Bank of America is aware that I have made several complaints to the CFPB and may be trying to stop me from accessing my loan documents ( I don't know ). I should be allowed access to my loan history and all documents and be able to review all of them. 

In addition Bank of America has returned over fifteen payments I have made to them. One bank of America employee who I spoke to on XX/XX/XXXX said this should not be happening and he corrected the error on XX/XX/XXXX but the " error '' came back in XXXX of XXXX. When I mentioned this to the employees I spoke to during the week of XX/XX/XXXX they were not able or not interested in reversing the computer to allow me to make payments. 

In light of the XX/XX/XXXX ruling from the CFPB I believe that the freezing of my account is unlawful.
Consumer complaint received 2023-04-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

There were 2 XXXX XXXX XXXX  credit card accounts, both were closed by XXXX XXXX and referred to 2 different 3rd party collection agencies in XXXX, even though I had informed company I had been a victim of XXXX employment loss. I am in current repayment status for the account with an original amount of {$1600.00} as a credit line. The company I am in repayment status with is XXXX XXXX XXXX. I have been paying {$50.00} per month since XX/XX/XXXX and have not missed a single payment. In XX/XX/XXXX, I found that an email had been sent to me indicating that another company XXXX had assimilated another account of mine in the amount of {$1000.00}, and XXXX XXXX XXXX  had no further ownership of either accounts. My credit score in XX/XX/XXXX suffered a score loss of XXXX points from all XXXX bureaus and despite repeated disputes, XXXX XXXX is still showing that I have missed 2-3 payments on an account they no longer own. Due to this, my score has dropped so far I am unable to take out a debt consolidation loan to clear my outstanding debts. I have called XXXX XXXX, Experian, submitted disputes to Experian, XXXX, and XXXX, all to no avail.
Consumer complaint received 2023-04-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Grain Technology, Inc. (VA)

On XX/XX/2023 I received notice that Grain XXXX  closed my credit card account with them and also reported it delinquent to all three credit bureaus without any prior notice to me. I have been making multiple on time payments every month and the account has not been late in over 10 months. I have reached out to Grain and as usual they have been unresponsive. They also fail to report to the credit bureaus on time and due to their app never working properly they have caused me to miss payment in the past that have also affected my credit. When I reached out in the past it would take weeks or months to get a response from this business due to their high volume which again would make it impossible to make payments on time. I have my bank statements that can verify that payment have been made on time and emails from grain that would show the account was not delinquent. There was a {$1000.00} and I had {$700.00} left to pay before they closed the account out and I had been making payment on time!
Consumer complaint received 2023-04-14
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

i have received my credit reports today and worried to see that so many negative accounts are reporting on my credit report. I tried to contact transUnion, XXXX and XXXX through disputes to investigate my disputed accounts which are wrongly reporting on my credit report but they did not investigated well, neither they send me back investigation results. i am requesting through your portal to please forward my disputes to them as ask them to start their investigation.
Consumer complaint received 2023-04-17
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)

There were 2 XXXX XXXX XXXX  credit card accounts, both were closed by XXXX XXXX and referred to 2 different 3rd party collection agencies in XXXX, even though I had informed company I had been a victim of Covid19 employment loss. I am in current repayment status for the account with an original amount of {$1600.00} as a credit line. The company I am in repayment status with is XXXX XXXX XXXX. I have been paying {$50.00} per month since XX/XX/XXXX and have not missed a single payment. In XX/XX/XXXX, I found that an email had been sent to me indicating that another company XXXX had assimilated another account of mine in the amount of {$1000.00}, and XXXX XXXX XXXX  had no further ownership of either accounts. My credit score in XX/XX/XXXX suffered a score loss of XXXX points from all 3 bureaus and despite repeated disputes, XXXX XXXX is still showing that I have missed 2-3 payments on an account they no longer own. Due to this, my score has dropped so far I am unable to take out a debt consolidation loan to clear my outstanding debts. I have called XXXX XXXX, XXXX, submitted disputes to XXXX, XXXX, and Equifax, all to no avail.
Consumer complaint received 2023-04-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Synovus Bank (TX)

Have used bill pay to process payments on account for years. I made the mistake of not turning off a bill payment and a payment was sent for {$200.00} after I made a payment on their site for the same amount. Now my account has {$400.00} out on a credit card that my balance is only {$200.00}. I have spoken with several agents and no help was told should be available 24-48hrs. It's 72 hours now and I spoke with a manager XXXX that stated since payment was sent via check it has to hold 10 days. Advised him the manager XXXX stated if it was bill pay it should be available on the XXXX and no later than the XXXX. Of course XXXX isn't available to confirm what she stated. I asked supervisor XXXX to check previous bill payments all sent through my same bank all sent the same way and was available with 24hrs. No one can tell me why this bill payment is being held after over paying on a credit card! It wasn't sent via check it was sent via electronic as it always have been
Consumer complaint received 2023-04-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ONLINE Information Services, Inc. (NJ)

Today, XXXX, XX/XX/XXXX, I am filing a complaint on accounts that were fraudulently opened under my identity. I check my credit reports on a daily basis since I have been victimized with identity theft since XXXX of XXXX last year. Utility accounts have continuously been opened under my identity linked to Texas addresses I have no association with. I am and have always been a resident of New Jersey all of my life and have never visited or resided in Texas. Upon checking my credit reports yesterday, I discovered two new fraudulent accounts that were placed for collections under my identity. The two utility companies that sent me to collections are XXXX XXXX and XXXX XXXX XXXX and both accounts were taken over by the collection company, Online Information Services. After discovering these collections on my accounts for all three credit bureaus, I contacted Online Information Services to dispute both fraudulent accounts yesterday on Thursday, XX/XX/XXXX. I spoke with their representative, XXXX, who provided me with all the information on both of these fraudulent accounts. She stated the XXXX XXXX account is in collection for the amount of {$620.00} and the address linked to this account is XXXX XXXX XXXX, XXXX, Texas XXXX. This fraudulent account is owed {$620.00} as of XX/XX/XXXX. The XXXX XXXX XXXX account is in collection for the amount of {$490.00} and the address linked to this fraudulent account is XXXX XXXX XXXX XXXX, XXXX, Texas XXXX. The amount owed is {$490.00} as of XX/XX/XXXX. In total, the collection agency, Online Information Services, is attempting to collect {$1100.00} for these fraudulent accounts. The dates these utility accounts were opened are around the same months from last year that I have submitted complaints for other fraudulent accounts with CFPB. After viewing my older complaints filed with CFPB, I saw the address XXXX XXXX XXXX XXXX, XXXX, Texas XXXX appear on my Complaint # XXXX. The identity thief using this address sent me into collection with another collection agency, XXXX XXXX XXXX, which was later resolved. After believing the identity thief could no longer open accounts under my identity after placing freezes on my credit reports, I was wrong and still continue to discover fraudulent accounts being opened and sent into collections under my identity. I have filed police reports documenting this entire identity theft situation and I have been placed under the FBI database in regards to this matter. This whole situation has been a nightmare and has taken a toll on my mental health not knowing what I will discover next. CFPB has truly been a blessing in helping me resolve my credit report issues and I pray this identity thief is caught so this can all stop for good.
Consumer complaint received 2023-04-17
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: EQUIFAX, INC. (GA)

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. 

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. Or a list of inquiries : 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 an 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 or 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 2023-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: National Credit Systems,Inc. (GA)

XXXX XXXX XXXX  reported broken lease XXXX. They also reported debt for repairs to the apartment unit totaling {$1100.00}. These repairs were requested by me to be fixed and the office never took care of them. I was diagnosed with XXXX at the end of XX/XX/XXXX and was unable to return to work. I am XXXX XXXX and this had no additional sources of income. I applied for rental assistance to assist with rent from XXXX as that was the duration of my lease. During this time of waiting on the assistance to come in, eviction was filed. Payment was received and processed and according to management the eviction was reversed. Upon trying to move I was denied by several other apartments due to an eviction on my credit. I requested proof of reversal and never received one. Unable to move at the end of my lease, I accepted the rental assistance through XX/XX/XXXX. Management requested I renew my expired lease and I declined due to the lack of response to complaints by management. In response the office decided they wouldnt accept any funding from project reset and submitted a 30-day vacate notice. They then charged me {$980.00} in lease termination fees, {$100.00} in late fees and {$490.00} in month to month fees. I did not terminate the lease and was not able to provide payment outside of the assistance. I vacated the unit on XX/XX/XXXX. My credit report shows a balance of {$2700.00} and I did not sign off on this, I notified the apartments that this was incorrect and asked them to submit an accurate bill. This was not done. The credit bureaus have not removed this from my report and the collections agency National credit systems is still submitting this debt to my credit report. I have since been unable to lease a new apartment and there has been no resolve. This report is inaccurate and I have copies of my lease, the unsigned bill, and communication with management to support the series of mentioned events. Im requesting this be removed from my credit report due to inaccurate reporting.