davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: JPMORGAN CHASE & CO. (FL)

On XX/XX/XXXX I deposited a no hassle check from Chase to XXXX XXXX XXXXXXXX for XXXX at the atm machine in XXXX XXXX XXXX, Fl. On the XXXX I saw it was returned. It said insufficient funds which was incorrect. I called XXXX XXXX XXXXXXXX and they said the funds should go back to chase in about a week. I called Chase and they think there were two checks for the same amount. After going back and forth many times. A supervisor from Chase finally said they she could see that bothe the checks are the same with the same check number. I am still charged by Chase for the money but I dont have the funds and as many times as I have called no one can seem to fix this problem. I dont want to ruin my credit but I dont want to pay for XXXX that I never got.
Consumer complaint received 2018-09-12
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

I called B of A trying to get a replacement card. I believed I did not have the card and had destroyed it. I did not think this would turn into a big problem. Now it has. 
They didn't believe I didn't have the card, which was weird. 
They sent me to fraud to verify me, which annoyed me because the card hasn't been used in almost 2 years. So I go through all of the verification, answering at least a dozen security and personal information answers. 
I know I got everything right. They asked several trick questions. The last question was kind of ambiguous, asking what amount would have been deposited to the account. Do they mean now, or before? I answered from before. Who knows what they meant, but they said I was a fraudster and they wouldn't send me another card. 

I am not a fraudster and they need to send me another card. 

I called the unemployment office to get a new card and they wouldn't help me. But I did talk to a rep who was very helpful in telling me that I was confused about which company the unemployment department had switched from. All I could recall was going to XXXX XXXX. It actually was the reverse. I started with XXXX, and then at the end went to B of A. So, maybe that is why they didn't believe me? Who knows. 

But, think about it. Your credit card is stolen. You call your bank and say it's stolen. They turn that card off and send you another one. Right? Okay, my debit card has been turned off. No one has attempted to use it. They refuse to send me another one. They say I have to go into the branch and beg the manager to get on the phone saying I'm real and I am now allowed to call again for a replacement card. Total discrimination. This wouldn't happen if they didn't think I was a low life on unemployment. I will not allow Bank of America to treat me like this. They are professional criminals and I am an honest citizen.
Consumer complaint received 2023-11-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

This is an unliquidated debt that is in dispute in Ca state court and inaccurate information is illegally being reported to the credit bureaus for the sole purpose to cause me harm. This debt is not insured by XXXX XXXX at this time. XXXX LIED when it said it was insured by XXXX XXXX because it is not!!! To state XXXX insured this loan is deceptive, inaccurate, a lie, and unfair and obviously to harm me.
Consumer complaint received 2024-01-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (IN)

I deposited XXXX money orders of {$500.00} each into my Chase bank checking account through a teller on the drive thru window on the XXXX of XXXX. Ever since I have been contacting them multiple times for the credit of my money but till date I have not received my money so that I can use it. Money orders are certified funds and are supposed to be credited the next business day. They always tell me it's a mistake on our end and they are looking into it. It has been more than 15 days since I did the deposit and I need my money so that I can use it. The branch which I deposited my money orders is the chase bank branch in XXXX XXXX XXXX in XXXX XXXX indiana. I have attached a copy of the deposit receipt for reference.
Consumer complaint received 2018-02-25
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: CITIBANK, N.A. (KY)

XXXX unauthorized credit inquires XXXX refuses to remove them I contacted the banks and nothing was done. 
I did not authorize any credit card I demand them to be removed. 

Thanks
Consumer complaint received 2023-07-03
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. (IL)

I have repeatedly disputed this information in regards to this information is not accurate as well as ask for proper documentation under fair credit act section 623 ( 1A ) B-i ( ii ) 3 as well as section 609 ( A ) 1sec611-2A1 ( 2B and I have not gotten any solid from My request that this account has basically been open with just a electronic response in which I was not responsible for.
Consumer complaint received 2023-07-03
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: Experian Information Solutions Inc. (IL)

On XX/XX/2023 an XX/XX/2023 with Experian I disputed- challenged these accounts on inaccurate, incomplete, an non-verifiable information on my consumer report of XXXX XXXX regulations, FDCPA, FCRA laws violation XXXX XXXXXXXX XXXX XXXX XXXXXXXX # XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX # XXXX Experian reporting agency verified and updated there company claims my consumer rights violations 15 USC 1681 ( b ) permissible purpose- 15 USC 1681e Accucracy of report, 623 ( a ) ( 3 ) missing notice of dispute, 15 USC 1681a-2 ( A ) ( B ) reporting with knowledge of errors- reporting after notice of confirmation of errors. Attached below Exhibit A copy of current Experian credit report and Attached below Exhibit C dispute on accounts and dates with Experian
Consumer complaint received 2024-04-27
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: AMERICAN EXPRESS COMPANY (IN)

Reference # XXXX I submitted an XXXX XXXX American Express XXXX on XX/XX/2024. Automatically after doing the app I got an approval screen that quickly turned into a screen that said to contact American Express to provide more information. I submitted the XXXX as requested. I missed a call from XXXX XXXX from the executive department ( ext XXXX ). This was supposed to be expedited but I am still waiting for this pending status to go back to the approval.
Consumer complaint received 2024-04-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized, and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report, and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission 's Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible.
Consumer complaint received 2024-01-26
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Neon Newco Corporation (MI)

I did not authorize this and it is fraud. My account # debit card .My government direct deposit was stolen out my account that was Deposited between. XXXX XXXX XXXX. I was told by customer service on XXXX a transfer of XXXX at XXXX XX/XX/2023 XXXX XXXX XXXX XXXX then another XXXX XXXX XXXX restaurant in XXXX XXXX XXXX XXXX XXXX This was me Im in Michigan and I didnt travel to XXXX XXXX  XXXX My username and password has been Hacked. I have been a customer for years and I believe you can rectify this matter immediately. I was left a balance of XXXX
Consumer complaint received 2024-06-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: WELLS FARGO & COMPANY (NV)

Full name requires correct input with software for proper database storage and name association with XXXX XXXX XXXXXXXX XXXX ( XXXX ) full name XXXX XXXX. abbreviation mandate was entered into system with excess characters to first name that is three characters and software autoformat unable to place space independently printed customer name error report in association to social security number. Account was not issued. Application pending.
Consumer complaint received 2024-05-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: TRUIST FINANCIAL CORPORATION (FL)

I opened a truist business checking account for a promotional offer last year. A debit card was never sent and I could not access my account via online or in person. When I went to the bank they told me there was an error with the account because it was set up online ( there was no apparent error while signing up ). 

Additionally I was charged for a maintenance fee {$3.00} a month in which the account disclosures states that it is fee free when a certain deposit is made. 

I escalated in branch in which I was informed the fee was not refundable and still dont have access to my account.
Consumer complaint received 2023-07-07
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: Experian Information Solutions Inc. (AZ)

I hope this message finds you well. I'm writing to discuss an issue with the reporting of my XXXX XXXX account on my credit report. 

The report for this account is not consistent. It displays no data for multiple months and, sporadically, it shows a 'charge-off ' status. This inconsistent reporting pattern suggests the information being provided about this account is not 100 % accurate. 

According to the guidelines under the Fair Credit Reporting Act, all data on a credit report must be completely accurate. In this case, due to the inconsistent and potentially incorrect information reported, it is clear that this standard has not been met. 

This inconsistent and potentially inaccurate reporting is negatively affecting my credit score. Therefore, I kindly request your assistance in addressing this issue by removing this account from my credit report until accurate and consistent information can be provided. 

Thank you for your prompt attention to this important matter. 

Best regards, XXXX XXXX
Consumer complaint received 2024-04-15
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. (CA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-04-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

My friend sent me a link to sign up for a credit card, capital one quick Silver where you get a {$200.00} bonus after spending {$500.00}. I called the CC to confirm the offer about 1.5weeks ago. I spent $ XXXX and the CC didn't give me the {$200.00} bonus. I called the CC company and they said that I don't have the promotion on my account and that the representative that I spoke to the previous time gave me incorrect information. I asked to close the account after this bad interaction with capital one.
Consumer complaint received 2018-04-05
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. (CA)

the inquiries are unauthorized and that I want them removed from my credit report.I contacted Equifax by phone several times and they didn't attempt or try to remove but told me to dispute them and that the results came back accurate And I Kno that wasn't true because I never authorized any of them.XXXX put a Identity Thief on report due to the unauthorized inquiries.
Consumer complaint received 2023-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

In Accordance with the Fair Credit Reporting act. The list of of Accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX # XXXX DEPT OF ED/XXXX XXXX XXXX 15 U.S.C. 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. 1681 C ( 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 2024-05-12
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)

15 U.S. Code 1681n - Civil liability for willful noncompliance ( b ) Civil liability for knowing noncompliance Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater.
Consumer complaint received 2023-08-06
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: Experian Information Solutions Inc. (PA)

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 168XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-28
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: SOFI TECHNOLOGIES, INC. (IL)

I have a personal loan that I took out, but recently having issues paying the monthly bill. I went through their process to see if I qualify for any help or assistance but they told me no. however, I get daily calls and emails that they are willing to help, but when I try there is no actual help. Via phone they send me to the hardship dept which can't help as i still have a full time job and they only help if i loose my job. I asked them why they keep telling me they are willing to help if they are not. I can't get caught up if my payments are so high as well as interest and late fees. My XXXX XXXX when from XXXX to XXXX in XXXX year.
Consumer complaint received 2024-06-19
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA (CA)

The Apple Card Statements state that the bill is due on the XXXX or XXXX of the month after the billing period. So if the statement period is XXXX to XX/XX/year> it says it is due XX/XX/year>. But they later say that XX/XX/year> is the XXXX day and XXXX is XXXX, which is against regulation. XX/XX/year> per regulation is day XXXX, not XXXX XXXX. XXXX ) they do not send reminders that the card is Late and thus you don't know they think it is late because you are following the regulation that XX/XX/year> is XXXX XXXX and you pay accordingly. As a result I am now 2 months late but not late per the regulations. Quoting Truth in Lending Act and Regulation Z. In addition, they don't product said statement until the XXXX of the month ( in this case XXXX ) in the 1st place so you don't even get the bill until their Day XXXX, just giving you now 25 days to be 30 days late.
Consumer complaint received 2023-02-24
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. (MD)

I applied for a home loan and the lender ( XXXX XXXX ) received my credit report from XXXX. All 3 credit bureaus are still reporting activity as of this month on a closed account with the Police and XXXX XXXX XXXX XXXX. The account number ending in XXXX. This was a charged off account that was settled in XX/XX/2022 ; although the creditor did not report receipt of funds until XX/XX/2022. There has been no activity on this account since XX/XX/2022.
Consumer complaint received 2024-04-20
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (VA)

Dear Credit Bureau : My correct name is XXXX XXXX. 
My correct address is XXXX XXXX XXXX XXXX GA XXXX. 
There may be other individuals with a name the same as or similar to mine. Creditors may have entered my name incorrectly when requesting my credit report. Regardless, there are forms of my name and addresses that should not appear in my credit file.

Please promptly remove all other names and addresses. These other forms of my name are not correct historical data. Therefore, they must be removed. 
Sincerely, XXXX XXXX
Consumer complaint received 2018-09-12
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (TX)

This property has been under contract since XX/XX/2018. Select Portfolio Servicing is  the only lien holder. 

SPS is dragging the process out and it appears that every 30 days they are asking for the same document over and over again to prolong the process. 

Can you please assist in making SPS escalate this file? As stated above, the property has been under contract since XX/XX/2018. SPS has been asking documents on a piece meal manner, deliberately prolonging the whole process. We are risking of losing the buyer with a very very good offer because of this. Thank you for your assistance with this matter.
Consumer complaint received 2024-04-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

Per the Fair Credit Reporting Act ( XXXX XXXX XXXX section XXXX ) that the consumer reporting agencies make sure they provide fairness, impartiality, and respect for me the consumer right and my privacy. However, XXXX, Equifax, and XXXX are the credit reporting agencies and I am the XXXX. So, since I am the consumer I have the given right to make sure my private information isn't shared per XXXX XXXX XXXX and just to give a brief summary it states " It is the policy of the XXXX that each financial institution has an affirmative and continuing obligation to respect the privacy of it's customers and to protect the security and confidentiality of those customers ' nonpublic personal information. '' The credit reporting has inquiries that I do not have accounts for, I've reached to them numerous of times to have them removed and nothing has been done XXXX XXXX XXXXXXXX XXXX, XXXX BANK XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX BANK XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX all need to be removed or proof needs to be provided. Those inquiries needs to be removed from all credit reporting agencies per XXXX XXXX XXXX and since you violated me and failed to follow the law ; I'm entitled to {$1000.00} per violation plus the stress and inconvenience it has caused. Also I have a Charge off from XXXX Main that's reporting different amounts which is not accurate, Another Charge off is First XXXX XXXX. And per CFPB complaint a XXXX XXXX is considered a certificate of indebtness which means it is income and must be removed. The XXXX XXXX XXXX of XXXX the promised not give my information to anyone and my student loans are reporting ( XXXX ) with different information with the credit reporting agencies ; I want to opt out from all credit reporting agencies. And then it's illegal to to report transaction history per XXXX XXXX XXXX, so this needs to be updated immediately. For any question or concerns please feel free to reach out. Best regards.
Consumer complaint received 2018-09-12
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SYNCHRONY FINANCIAL (AZ)

i do not recognize the account " GE CAPITOl '' represented by XXXX XXXX. Previous research indicates this charge was initiated in Florida. I believe this account belongs to someone bearing a similar name to me. I do not have knowledge pertaining to this account. I don't know if it is a credit card, a store card like XXXXXXXX XXXX  or XXXX XXXX, or personal bank or revolving charge account. I've filed a complaint with XXXX  and it was removed by the credit reporting agency to my account. I filed a complaint with XXXX  today. Discrepancies are date opened XXXX, date of last payment I never made XXXX. Date of first delinquency XXXX and date reported XXXX.