davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-24
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (NY)

On XX/XX/year>, Chase Bank closed my joint account with my boyfriend. At the time of closure, the total remaining balance across joint accounts was {$6400.00}. However, 7 months later, I still have {$2800.00} that haven't been returned. Despite numerous inquiries, Chase has not provided a clear reason for the closure or the prolonged withholding of the funds. I was consistently told that they are 'investigating ' the situation. Recently, I was informed that the remaining balance of {$2800.00} had been approved by their legal department for release, and I was assured that the funds would be mailed to me promptly. However, despite making at least XXXX calls over the past several weeks, there has been no further update, and my requests for clarity have been met with assurances to 'be more patient. ' Yet, just today, when I called again, Chase changed their narrative, now claiming that the funds are under review and have not been released. This inconsistent response reflects a lack of seriousness in handling my case, as well as a disregard for the complaint I filed with the Consumer Financial Protection Bureau. This situation raises concerns about the whereabouts of my money and Chase 's intentions for these funds, which seem minor in the broader scope of their operations but are significant to me.
Consumer complaint received 2023-03-15
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. (FL)

I appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED 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 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 2023-05-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY (NC)

I have an XXXX American express card previously setup on autopay ( full balance ). I decided to clear my balance manually on XX/XX/23 since I did not plan on using the card anytime soon. 3 days later I have a payment request on my checking account and fees for non payment. I stopped the autopay the same day but had another payment request the next day. 

I decided to call their customer service and been told that per terms and conditions the system will initiate the payment request up to 3 times even if the autopay is off and there is no balance on the account. 

The solution they offered me is to authorize the payment just so they can send me a check back which is not in my best interest especially because I do not owe any balance on this account.
Consumer complaint received 2024-05-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (CA)

XXXX XXXX and XXXX XXXX These reports and scores are UNAVAILABLE to the public - can not even buy them - and yet somehow these credit reporting agencies ( all of them ) and XXXX, Credit unions, mortgage companies etc., are allowed to use them when we apply for anything. 
ARE YOU KIDDING ME...? 
This is WRONG, dehumanizing for people like me, just starting out, and busting my XXXX to get my score high enough to qualify for anything. Now this?? I don't care if all the reports I have read that this was made " public '' ( not ) in XXXX, as they are just now starting to use it. 
WHY CAN'T I GET A COPY OF A REPORT AND ALL MY SCORES ( and I do mean ALL of them ) when it is MY financial life these people are messing with! 
Currently you have XXXX, Experian and XXXX blocking people from getting their reports/scores for NO reason other than a typo. They are also using antiquated systems and demanding that consumers send sensitive information through postal mail! Really?! Why not secured online documentation capture? XXXX XXXX has been using it for quite a long time. Then when you FINALLY get a report with no score ( cuz you have to buy it ) you can not dispute anything online, so there goes another XXXX weeks. In this day and age that is unacceptable.
Consumer complaint received 2023-08-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

The current issue is causing me significant distress and is having a negative impact on my sleep. It is challenging for me to accept this situation. I implore you to take immediate action to update my account. I have consistently made timely payments in the past, and it is unfair for me to be penalized for something that is not my fault.
Consumer complaint received 2023-08-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Dear TransUnion, There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-10
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc (FL)

I have Chime. My debit card was compromised so they cancelled it and were supposed to send out a new one within 10 days. It has been well over XXXX weeks and it still has not arrived! They sent me a virtual card which cant be used to get money orders so when my rent was due, I had to cash app the money to my daughter which charged me a fee and had to deposit it into a new bank account I had to open with a new bank. Because of all this, I was also late paying my rent and have been charged a late fee because rent was late. I tried contacting Chime via chat. They asked if my address was correct which its been the same since I opened my account with them. During the chat I realized that it was not a live person I was chatting with but a computer generated chat! I am getting rid of Chime completely after this nonsense but I still want to hold them accountable so that this does not happen to other people. I have spoken to several people that have Chime also and they claim that they also have to wait longer than the 10 days to receive a replacement card. It took forever to get my first cards. Its unacceptable! To deposit money into your chime account, you have to go to a XXXX XXXX  or other approved location and PAY to add money to your account. EXAMPLE : I have a bill due and its {$100.00}, I want to pay through my online so i go to deposit money to my account. I would pay the obvious {$100.00} deposit and then a fee for depositing that cash into my checking account! If you dont have it direct deposited, you get charged a fee!
Consumer complaint received 2023-08-24
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. (VA)

I did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.
Consumer complaint received 2024-05-10
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (AL)

Capital One 360 Checking account has denied me the right to be added onto my spouses checking account as a joint holder. It has been two months when she sent an " Invitation Application '' to Capital One Bank. They have refused to verify me by my cell phone number and carrier for the last six years, my email address, my date of birth, and now my citizenship. Every time we are told to call back to confirm, we get another excuse from them that they can't ID me. I am an authorizer user on my wife 's Capital One Savor account. They have sent me a text to my cell phone number, and they are questioning my citizenship. I am retired from the XXXX XXXX, born in XXXX, OH, and have had a past Capital One credit account with this bank in my own name besides my wife 's. I was also denied by this bank because of a default in their system as an excuse. I get excuses from every single customer service reps I speak too along with inadequate help from all the managers I asked to speak with regarding this problem with Capital One Bank. I have even emailed their headquarters in XXXX, VA with no response at all
Consumer complaint received 2023-08-24
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. (NC)

I am filing this complaint for myself because I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
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 2023-10-07
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. (VA)

On XX/XX/ I disputed the medical debt collections. It was still kept on my report even though Equifax has written articles on removing medical debt collections that are paid in full. I did not explicitly state this was the reason I was disputing the account. Confirmation number XXXX XXXX 

On XX/XX/ I disputed the medical debt collections again. It was still kept on my report even though Equifax has written articles on removing medical debt collections that are paid in full. These articles I have attached to the 2nd dispute. I called and spoke to one representative who did not know about Equifax 's removal of medical debt, sent to collections, and paid in full. I was transferred to a supervisor XXXX, who only verified my information and concern then dropped the call and did not call me back. I then called another time and was told to, in addition the the articles I already attached as supporting documents, attach a cover letter outlining my request. Confirmation number : XXXX XXXX XXXX I disputed the medical debt collections again, for the third time. It was still kept on my report even though Equifax has written articles on removing medical debt collections that are paid in full. I attached a cover letter explaining the removal of medical debt, paid in full, and in collections. I attached articles both to the cover letter and the dispute itself. Confirmation number : XXXX  I called on XX/XX/ and spoke to XXXX XXXX. 

I am at a loss and have no idea why these articles, published by Equifax aren't made aware to the dispute investigators, why the documents aren't being read, and how many more disputes until the new policy is taught to individuals.
Consumer complaint received 2024-06-27
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: JPMORGAN CHASE & CO. (PA)

I filed claims on my account that weren't mine due to identity theft on my account. They couldn't get ahold of me so decided the charges were mine and decided to close my account and never do business with me again. I had Direct deposits go into my account after it was closed and was told it was returned from the bank. Only to find out 1 month later they lied a d kept the funds and said I voluntarily gave my funds to them. I was told that if an account is closed the funds would be rejected and sent back to the issuer. Then today they tell me we can keep any funds we decide we want to
Consumer complaint received 2023-03-15
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: Experian Information Solutions Inc. (IN)

I am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account.
Consumer complaint received 2023-08-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (NY)

I havent had a credit score since XXXX of XXXX. After submitting a complaint about incorrect information on my report, my credit score was deleted from not only exqifax but all the other reporting agencies as well. I have called and uploaded and verified my identity many times. Three to be exact and still i have no report. I have had two different credit reports reporting for the last six months and still i have no score.
Consumer complaint received 2023-08-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have been disputing a collection account on my credit report that I do not believe should be on there as it was wrongfully sent to collections. I have been asking the collector via the credit bureaus to validate the collection so I know exactly what is owed and what it is for. I have never gotten any correspondence other than the collector saying that the amount is owed but not what it is for. The account is designated as open and then closed. Has been deleted and then reinserted with no correspondence as to why. I am not being update other than by my credit monitoring.
Consumer complaint received 2023-05-10
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (RI)

I had a mortgage with wells Fargo and unfortunately Lost the home during that period I applied for many loan modifications and worked tirelessly with the company to try to save my home at the end it was sold on short sale. I saw on the news about wells Fargo owning people Like me money I called the company and they keep telling me they have no records of my mortgage which I find odd its been 7 years and I dont have any records from that such as my loan number. I feel with my social security number they should be able to locate my account.
Consumer complaint received 2023-08-24
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. (TX)

I have been disputing a collection account on my credit report that I do not believe should be on there as it was wrongfully sent to collections. I have been asking the collector via the credit bureaus to validate the collection so I know exactly what is owed and what it is for. I have never gotten any correspondence other than the collector saying that the amount is owed but not what it is for. The account is designated as open and then closed. Has been deleted and then reinserted with no correspondence as to why. I am not being update other than by my credit monitoring.
Consumer complaint received 2023-12-22
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. (IL)

in accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A States I have the rights 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.
Consumer complaint received 2023-08-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.
Consumer complaint received 2023-08-24
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. (PA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2024-07-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Admin Recovery, LLC (FL)

A service hired by XXXX XXXX  to handle delinquent accounts during the pandemic, is not accurately reflecting agreement reached, payments, made, or indebtedness. If I paid the full debt, at a reduced speed, there was to be no negative report. I complied, in fact, paying it off around a year earlier than the plan. When a {$100.00} past due error was discovered on my credit account, I called and confirm with XXXX  that my account was paid in full, and their records accurately reflected this. Their service provider, Admin Recover LLC retaliated against me for calling them out for inaccurately reporting that I had this amount remaining due. They updated my credit report to instead claim that over XXXX XXXX XXXX has been written off, and are challenging my disputes.
Consumer complaint received 2023-08-24
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. (OH)

I put a fraud alert on my credit report and creditors were still able to obtain my credit report on item I have not applied for. 

XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX, XXXX XXXX Inquiry date XX/XX/XXXX, XXXX XXXX Inquiry date XX/XX/XXXX, XXXX XXXX XXXX date XX/XX/XXXX, XXXX XXXX Inquiry date XX/XX/XXXX, XXXX XXXX Inquiry date XX/XX/XXXX, XXXX XXXX Inquiry date XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX date XX/XX/XXXX, XXXX XXXXXXXX XXXX XXXXXXXX XXXX date XX/XX/XXXX, XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX, XXXX XXXX XXXX Inquiry date XX/XX/XXXX, XXXX XXXX Inquiry date XX/XX/XXXX, XXXX Inquiry date XX/XX/XXXX, XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX, XXXX XXXX Inquiry date XX/XX/XXXX, XXXX XXXX Inquiry date XX/XX/XXXX, XXXX XXXX Inquiry date XX/XX/XXXX, XXXX Inquiry date XX/XX/XXXX XXXX
Consumer complaint received 2023-08-24
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. (KS)

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that the item is 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please remove this item immediately : XXXX XX/XX/2022
Consumer complaint received 2023-08-24
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. (NJ)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.