davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-01
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)

FCRA violations : inquires not mine XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX FCRA violations : accounts not mine XXXX  XXXXXXXX XXXX XXXXXXXX Potentially negative Date opened XX/XX/XXXX Balance {$270.00} Status Account charged off. {$270.00} written off. {$270.00} past due as of XX/XX/XXXX. 
XXXX  XXXX  Potentially negative Date opened XX/XX/XXXX XXXX {$4200.00} Status Account charged off. {$4200.00} written off. {$4200.00} past due as of XX/XX/XXXX. 
XXXX XXXX  XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1000.00} Status Account charged off. {$1000.00} written off. {$1000.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$4300.00} Status Collection account. {$4300.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$5300.00} Status Collection account. {$5300.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$5400.00} Status Collection account. {$5400.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX XXXX   Potentially negative Date opened XX/XX/XXXX Balance {$2000.00} Status Collection account. {$2000.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$2000.00} Status Collection account. {$2.00}, FCRA violations : payments never late XXXXXXXX XXXX  XXXX Potentially negative Date opened XX/XX/XXXX Balance {$0.00} Status Open. 

FCRA violations : not my names XXXX XXXXXXXX FCRA violations : not my addresses XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXy XXXX XXXX XXXX TX XXXX, TX XXXX
Consumer complaint received 2022-10-28
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. (VA)

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 XXXXXXXX has violated my rights. 
XXXX XXXX # XXXX has violated my rights. 
XXXX XXXX # XXXX has violated my rights. 
XXXX XXXX # XXXX has violated my rights. 
XXXX XXXX XXXX # XXXX has violated my rights. 


15 USC 1681 Section 602 A states I have the right to privacy 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without written consent.
Consumer complaint received 2022-09-22
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. (FL)

ID theft victim. These are the accounts that do not belong to me. im attaching an id theft affidavit. 

XXXXXXXX XXXX  XXXX {$570.00} XXXXXXXX XXXX {$5700.00} XXXXXXXX XXXX {$4600.00} XXXX XXXX XXXX {$2900.00} XXXX {$23000.00} XXXX XXXX XXXX {$350.00} XXXX XXXX {$0.00} XXXXXXXX XXXX XXXX {$7900.00} XXXX XXXX {$790.00}
Consumer complaint received 2023-04-30
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credence Resource Management, LLC (PA)

On XXXX XXXX XXXX XXXX XXXX opened a collection account for my phone bill. However the issue I have now is that they just added the same collection onto my account again on XX/XX/2023. Not only is it the wrong amount this time but are they even allowed to do this again???
Consumer complaint received 2023-12-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (MD)

Deposited a physical check in person at Chase branch. Account on hold for 10 days while they verify the issuer of check. Check still has not been verified after 16 months. Get same information each time I call, Chase says the will just call and verify with the issuer of check, they never verify it. I dont think I will ever receive my money.
Consumer complaint received 2024-04-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MI)

I paid my credit card off to bring my total credit card usage down, to boost my credit score. I owed them {$2400.00} on this card. I paid them on XX/XX/XXXX the full amount down to {$0.00}. They never updated my credit usage on to reflect payment. My XXXXXXXX  report still shows as of XX/XX/XXXX I still owe this amount. Hindering my ability to gain more credit for my new business. It showing a XXXX balance on XXXX, but not on the other 2 agencies.
Consumer complaint received 2023-03-09
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. (GA)

I submitted this complaint to update this suspicious information. Credit Bureau must validate these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX 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 2023-09-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (AZ)

To whom it may concern, I would like your company to please remove any Personal statements on my credit report such as fraud alerts or any credit freeze. Please close any open disputes. I am not dispung anything on my credit report as of today. Please open my credit file if you XXXX  have any type of block on it thank you.
Consumer complaint received 2023-07-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Subject : XXXX XXXX Bank of America Credit Card XXXX XXXX Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint regarding my recent experience with Bank of America and the revocation of my credit card rewards without a proper explanation. I believe that my rights as a consumer have been violated, and I seek your assistance in resolving this matter. 

On XX/XX/XXXX ], I received notification from Bank of America stating that my credit cards were cancelled & when I tried to use my rewards it didnt let me when I reached out to them I was told that was there policy and they can not give more explanation.However, despite multiple attempts to seek clarification, I have not received a satisfactory explanation for this action. As a long-standing customer of Bank of America , I have always fulfilled my obligations and maintained a good credit history. 

I am deeply concerned about the lack of transparency and communication surrounding the cancellation of my cards & rewards. I have diligently accumulated these rewards through my regular card usage, and their revocation without a valid reason has significantly impacted my trust in Bank of America as a financial institution. 

I also have all my wealth management retirement accounts with them. And that really makes me think how I should trust a institution like this. I used these cards to pay for my child classes and regular daily gas groceries etc. 

I have attempted to resolve this matter directly with Bank of Americas customer support, but I have not received a satisfactory response or a clear understanding of why my rewards were revoked. Given the circumstances, I believe it is appropriate to involve a regulatory authority like the CFPB to ensure a fair resolution. 

I kindly request that the CFPB thoroughly investigate this issue and intervene on my behalf to rectify the situation. I seek an explanation for the revocation of my credit card rewards and appropriate restitution if it is determined that Bank of America has acted in error or violated any consumer protection regulations. 

I appreciate your attention to this matter and your commitment to protecting consumer rights. I look forward to a prompt and fair resolution of this complaint. 

Thank you for your time and assistance. 

Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-05
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. (WI)

This is my eighth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, WI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX WI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX WI XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX WI XXXX; XXXX XXXX XXXX XXXX XXXX, WI XXXX ; XXXX XXXXXXXX Balance : {$460.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$88.00} ; XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX ) XXXX Balance XXXX {$9800.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$680.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX  Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX  Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XX/XX/XXXX.
Consumer complaint received 2022-09-22
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: Experian Information Solutions Inc. (CO)

On XX/XX/XXXX I contacted Experian about a fraud credit inquiry made by XXXX. 
They disputed and removed the fraud inquiry. I noticed the company placed an account on my credit and I disputed with Experian a FTC report # XXXX. The account was removed and blocked. I was told by the fraud department the documents submitted would be sent to the data furnisher. 
Shortly after being removed I noticed the account was placed back on my credit. I was not given notice in writing by Experian per FCRA. I contacted them at once and was told the data furnisher disagreed and asked the account to be reinstated. 
I was told the data furnisher DID NOT provide any documents other than a VERBAL response. 
I sent another FTC report XXXX to Experian on XX/XX/XXXX. 

I sent a letter on XX/XX/XXXX to the data furnisher and Experian asking for debt validation/verification. 
As of XX/XX/XXXX NOTHING has been given to me by either party. 

Experian does not follow FCRA guidelines for reporting debts or verifying disputes I placed and dispute with Experian for XXXX XXXX  as well that shows closed on my credit and {$950.00} balance. This account was removed and placed back on my credit without giving me proper notice. 

I have provided Experian with police reports and FTC reports for accounts XXXX XXXX XXXX  XXXX BOTH WERE SENT ON SAME POLICE REPORT AND FTC REPORTS. 


Experian was asked in writing and verbally to provide the following since they said the accounts were verified 1 PLEASE PROVIDE NAMES OF PERSONS AND TELEPHONES AND ADDRESS OF WHO VERIFIED THE ACCOUNTS. BOTH XXXX XXXX AND XXXX  XXXX 2 I ASKED FOR THE METHODS AND PROCEDURES USED TO VERIFY THE ACCOUNTS 3 IM REQUESTING ALL DOCUMENTS USED TO VERIFY THE ACCOUNTS I AM EXERCISING MY RIGHTS UNDER THE FCRA 611. I WAS NOT NOTIFIED OF THESE ACCOUNTS BEING REINSTERED TO MY CREDIT FILE WAS NOT TOLD I CAN ADD A STATEMENT. I AM SENDING THIS AND ASKING FOR THIS TO BE INVESTIGATED PROPERLY AND THROUGHLY I AM ASKING FOR A TIMELY RESPONSE OUTLINING THE STEPS THAT WILL OCCUR TO RESOLVE THIS MATTER. IF I DONT NOT GET A REPLY IN I WILL HAVE NO CHOICE BUT TO EXERCISE MY RIGHTS UNDER THE FCRA SECTION 616 THESE TWO ACCOUNTS XXXX AND XXXX  XXXX ARE FRAUD. EXPERIAN WAS NOTIFIED OF THAT AND PROVIDED PROOF OF ADDRESS, FTC REPORTS AND ID, POLICE REPORTS. 

THE DATA FURNISHERS PROVIDED NOTHING AS OF XX/XX/XXXX OTHER THAN A VERBAL DISAGREMENT AND VERBAL DOESNT STAND UP AGAINST DOCUMENTION OF FRAUD. 

I NEVER APPLIED OR BENEFITED FROM THESE ACCOUNTS
Consumer complaint received 2023-05-03
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: Experian Information Solutions Inc. (TX)

Ive been trying to dispute this account on my report but my dispute has been ignored. I am requesting that you look into this matter as required to do so under the FCRA. If you do not comply with the terms of the FCRA I will have no choice but consider the possibility of litigation. 
XXXX XXXX XXXX Balance : {$3000.00}
Consumer complaint received 2023-06-08
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (CA)

I have had a Wells Fargo checking and savings account since XX/XX/2000, I've had numerous times my account was low on money and had to pay {$35.00} for the bank to transfer from my savings account. I haven't received money for the class action Sute going on right now, I called the bank they stated that I have to wait for them to process the payment, my daughter received over {$500.00} from Wells Fargo over six weeks ago for the same issue.
Consumer complaint received 2023-07-12
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: STATE EMPLOYEES CREDIT UNION (NC)

The car was reported stolen then ended up being found but it can not be driven its totaledI ended up calling my insurance but come to find out I didnt have full coverage but I had the GAP insurance with the bank.I have contacted them about it but they did not resolve the problem at all I still have the remaining balance of XXXX dollars with no vehicle. I was paying gap insurance with the loan but I guess that doesnt matter
Consumer complaint received 2023-07-22
Product: Credit card or prepaid 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: JPMORGAN CHASE & CO. (NC)

I never took out any cash advances and on the front of my page it showed XXXX cash advances but on the pages after it showed cash advances, and when I called about it, they tried to say that my payments only go towards my credit card purchases, and its not divvied up for cash advances which is a lie. I kept pointing them out over and over and over again I never pulled out any cash advances the same woman in the same few people in XXXX XXXX and a XXXX lady, my calls were always redirected to. I want criminal charges. I want punitive damages and I want my card wiped clean. For the inconvenience this put me in financial debt right before Covid and during Covid. Theyve been pulling out cash advances since I opened the card. The only thing I did was write XXXX check only XXXX. And my payments shouldve gone towards that. They refused to refund me my money back. Try to give me a deal and make me pay off the usage from other people and its the police, the FBI and the DOJ because they all use second life video game and thats how they steal, peoples credit card information, etc. the shouting technology.
Consumer complaint received 2023-07-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO. (MD)

Paid my Amazon prime visa bill down on XX/XX/2023 they put a hold on my credit limit. They claim because it was a large amount. Ive made large amounts before and they never held y credit limit, even after paying late. Ive called XX/XX/XXXX and asked about the hold and they stated because it was a large amount and they are wanting for it to clear but it cleared on XX/XX/2023 from my account and on their end, but it will be cleared on XX/XX/XXXX. Called again XX/XX/2023 and they said the same thing and said it will be off XX/XX/2023. Im being punished for wanting to pay my bill down it seems to me cause they been had the money, the money cleared the next day on both ends, so they are holding my credit limit hostage because I couldnt take the amount I owed them anymore.
Consumer complaint received 2022-09-22
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. (TX)

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX  ) XXXX, XXXX XXXX, XXXX XXXXXXXX, and XXXX XXXX XXXX have violated my rights. 

15 U.S.C. 1681 Section 602 A States I have the right to privacy. 15 U.S.C. 1681 Section 604 A Section XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2024-03-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

In XX/XX/2024 I sent letters to each credit bureau. I want one name and gave them copy of my social security card and drivers license. I have no alias. My name should be XXXX XXXX XXXX like it is on my social security number. Not XXXX XXXX XXXXXXXX, XXXX XXXX, XXXX XXXX XXXX My name is XXXX XXXX XXXX XXXX 

I sent bank information detailing my one and only address. My only address is XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX MD XXXX. I have no other address. This is the only address I have. It is my right to use one name, one address, one phone number. The credit bureaus after two times still refuse to correct my consumer report. These are violations according to FCRA on accurate information
Consumer complaint received 2024-01-02
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. ()

I am from XXXX. I am facing a email fraud and our company lost a lot of money which is planned to buy the USA goods. 
1. The invoice is confirmed on XXXX XXXX between us ( the correct USA seller and XXXX buyer ) ; 2. On the second day, XX/XX/XXXX, the fraud email replied me and my boss ( along with previous email, very careful camouflage methodNow this email addresss is unreachable ), asking us to pay for a new bank info. This bank has the same vendor 's name, bank name and SWIFT CODE. 
3. The payment is done on XX/XX/. 
4. We realize the problem in XX/XX/XXXX when my boss vidoe meeting with the vendor 's person who says their company still HAVEN'T received the money. 
5. We report this case to local XXXX Police Station XX/XX/XXXX, at the same time asking our bank XXXX to recall the money. 
6. By now, the Chase Bank still haven't replied us. I think they released the money without careful check, as the wire transfer has clearly said it is for the seller ( vendor 's name, bank name and SWIFT CODE ), although the account is wrong. They should refund directly to our XXXX XXXX, or let our bank double check it before releasing to the cheater. 
Can we hold harmless from Chase Bank? 
XXXX XXXX
Consumer complaint received 2021-06-26
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Loan payment wasn't credited to your account — 
Company: WELLS FARGO & COMPANY (NC)

Wells Fargo disrupted myworkflow operations of XXXX XXXX XXXX from XX/XX/2021 thus causing me to miss numerous income in which I will be generating a report to upload in my portal. 

Had I not been called from 3 different numbers, sent 3 different bill statements, and had to file numerous reports- I could have secured necessary PPP Loans and SBA Covid 19 help. 

I also proceeded to miss calls from XXXX XXXX XXXX that I had previously done business with and needed my General Liability, Workers Compensation, and Commercial Automobile Insurance. 

Had I been able to actually work verse get threatened to pay thousands a dollars up front with XXXX validation of which was the correct bill until XXXX in which Wells Fargo Executive Office only followed-up after my car was to be repossessed.
Consumer complaint received 2017-03-21
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I NOTICE THAT CAPITAL ONE HAS BEEN REPORTING ME DUP. ACCTS. 
XXXX {$8500.00} LIMIT {$0.00} BALANCE IS CORRECT XXXX {$5500.00} LIMIT {$4700.00} BALANCE IS INCORRECT. 
( ACCT XXXX SHOULD HAVE BEEN CLOSED OUT DUE TO FRAUD ) I CALLED CAPITAL ONE BACK IN XX/XX/2016 AND SUPPOSE HAVE TAKEN CARED THIS. IT SEEM THEY HAVE NOT.
Consumer complaint received 2023-03-02
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Consultants of California (CA)

The name on the collection is not my person. I was not aware nor did I approve the service. The collection agency was provided my name and address by the person responsible for the dept ( XXXX XXXX ). I requested several times from collection agency to see verified proof through physical verification of the original signed contract. They continue to report the debt to my XXXX Credit Bureau as verified dept and they can not provide physical verification of the original signed contract. 

Account name : COLLECT ION CONSULTANTS OF CA Also known as : COLLECTION CONSULTANTS Account number : XXXX Account type : Collection Status Collection account : {$1.00}, XXXX past due as of XX/XX/2022. 

Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX