davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (NY)

On XX/XX/XXXX, my account was locked, they reason Chase gave me is that they recognize some unknown XXXX payments. I explained to them that it was just me selling some second handed stuff to save some money, and I could provide demonstration for that, but Chase didn't accept this and said they need some time to verify the money. However, until now, on XX/XX/XXXX, which has passed more than 7 months, I only get XXXX dollars back on XX/XX/XXXX, there's still remaining more than XXXX dollars deposit in the account. I am just an XXXX XXXX XXXX XXXX in the States alone. The XXXX dollars were sent from my parents for the living costs for the whole year. After this thing happened, I even borrowed money from my friends to make sure my basic living cost because I was afraid to let my parents know. I thought the money would come back in a few months, but until now, I didn't get those money back. I didn't come to the States for a long time, I really didn't know where I can find help. Thanks to you guys make me feeling less helpless. I really need your help.
Consumer complaint received 2023-04-21
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Early Warning Services, LLC (MA)

I was trying to sell a treadmill I have on XXXX for {$200.00}. The buyer sent me {$200.00} through Zelle pay I had with my XXXX XXXXXXXX account. Zelle held my {$200.00} and would not give it to me until the buyer sent me another {$300.00} through Zelle pay and then I had to send the {$300.00} back to him or they would hold my {$500.00}. So I sent the {$300.00} back to him and now Im down {$500.00}. They still are holding my {$500.00} until I send the buyer {$500.00} because they said I have to open business account and I have to pay {$1000.00} for business fees and they will give me my {$1000.00} back. So I wanted my money back so I sent the buyer {$500.00} and now Im thinking Im going to get my {$1000.00} back and they said no you need to send this agent {$1000.00} at XXXX  and we will send you {$2000.00}. I dont have {$1000.00} to send the XXXX account and I lost my last {$1000.00}. The buyer blocked me and did not purchase the treadmill so I lost {$800.00} my rent money. I have no money now. Zelle refuses to give it back to me and they kept emailing me asking me for my bank account numbers the front and back of my debit card and my PIN number. I said no just please give me my {$1000.00} back. They stopped messaging me. I disputed all the transactions with XXXX XXXX and they refuse to give me a refund also to my bank account. They said they have to talk to Zelle first. Zelle is no response and XXXX XXXX said I have to wait XXXX business days for investigation. I have all the emails to prove this. I need my money back. Please I repeatedly told them I dont need a business account I am only selling one thing because Im a XXXX mom and I need cash.
Consumer complaint received 2023-12-24
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Chime Financial Inc (ND)

I was calling XXXX because a company that I work for needed a letter from my bank indicating that I hadn't received a paycheck from their accounting services, XXXX, in the amount of {$220.00}. I XXXX  the Customer Service number for Chime. Called the number that came up several times attached to their website. The person on the phone answered as they always do. Asked me the same identifying questions. They told me that my ID number had expired and that I would need to update my account to get a new ID number. They told me to hold. I could see my screen moving around next thing I saw was {$540.00} gone from my account. Then, they hung up on me. I tried calling them back, no answer. I XXXX  Chime again, called another number for them, told them what had just happened. They never asked me what number I called, said they would put the dispute in. They denied the dispute right away. They said it was because I was a part if the transaction. I told them I did nothig wrong. Told them I thought I was talking to them XXXX XXXX I did it authorize this. I have called them several times each day since this has happened explaining everything over and over to whoever answers the phone and they keep denying me. This is horrible. Now, they just closed my debit card without telling me. They won't expedite my card to me. They are being terrible to me.
Consumer complaint received 2022-09-09
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: REGIONS FINANCIAL CORPORATION (TN)

Received text from fraudulent company using phone number XXXX XXXX Text included following message. 
Regions Free Msgs : Your online banking was locked due to iregular activity. To restore please verfy here : www.region5-protection.club This was the actual text with the incorrect spelling. The worst part is I dont have a regions banking account. This is obvious fraud and I felt the need to report it before someone gets scammed by these very sloppy spellers. Also interesting was the use of .club instead of .com or .org. Thank you for your time and service.
Consumer complaint received 2024-03-09
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. (TX)

I purchased and signed a contract to purchase my vehicle XXXX XXXX XXXX XXXX on XX/XX/XXXX. My mom XXXX XXXX is my Co signer and my name is also on the contract. I reached out to XXXX XXXX XXXX back in the begging of XXXX to see why my car loan has not been reported to the credit bureaus and my payments as well and to see why it does not show I have a auto loan in mine and my moms name. They started an investigation and said it would take 30 days to hear something back and I would receive an email. They said if i did not see an update i needed to reach out to the credit bureaus myself and they would have to take care of this issue. They never called me or emailed me like they said they would so I reached out XXXX XXXX. They said the investigation was closed XXXX XXXX and everything the credit bureaus needed was sent over to them and they should be updating it. I called XXXX XXXX and XXXX yesterday XX/XX/XXXX to see why I have not seen it on my credit report yet. They said I would need to call XXXX because they never received any information on this loan and it was out of their hands. I called XXXX XXXX XXXX back the same day and XXXX basically said there was nothing they could do, that an investigation had already taken place but there was no updated notes on the account. I was very upset and frustrated that I am paying for a vehicle that is not even being reported and i feel I just keep getting the run around and there is nothing I can do about it. I asked to speak with a supervisor but they would not transfer me and said the department I needed to speak with was closed already. I spoke with a CSR named XXXX at XXXX XXXX XXXX and he said they would note my account to have someone call me back XX/XX/XXXX at XXXX but no one ever called me. I called back at XXXX that same day while i was still at work and I spoke with a CSR at XXXX XXXX XXXX named XXXX who said there was never a note made and there were no supervisors on the floor available. I called back about the same thing three more times on different dates over the past 8 months and get the same response but still have received no emails and the credit bureaus still have not received anything till this day. I feel that im getting no where! I XXXX XXXX XXXX XXXX and they have lawsuits against them and other people have the same issue with them not reporting to the credit bureaus and get the same response but get nothing back! They also gave me a car with a 20 % interest rate. I will never finish paying this vehicle off!!
Consumer complaint received 2023-06-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

Ive been receiving calls from capital one stating I have a outstanding balance of {$6000.00} credit card usage I did not authorize a capital one credit card in my name, and I want this off my credit
Consumer complaint received 2024-03-09
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. (IN)

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 


XXXX XXXX XXXX XXXX Owed : {$9600.00} XXXX XXXX Balance Owed : {$10000.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$910.00} XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX Balance Owed XXXX {$0.00} XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance Owed : {$150.00} XXXX XXXX XXXX XXXX Balance Owed : {$570.00} 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 2023-12-24
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. (NV)

The corporation has Violated The Privacy Act of 1974 as well as the terms and conditions of our agreement pertaining to its initial privacy notice. 

The Consumer has respectfully entrusted the corporation with a certain level of expectation that the financial records would be maintained safely, securely, and in good faith. 

The corporation has repeatedly, on a monthly basis disclosed non public personal information, including personal records and personal transaction history, to multiple non-affiliated third parties for marketable services such as Equifax, XXXX, XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX, etc. This has negatively affected the consumers ability to attain credit and services for Personal family and household usage. 

Although the consumer has received the initial privacy notices, the consumer receives the goods monthly the corporation has failed to deliver notice to the consumer of the ability to opt out of the sharing of non public transaction history on account to non affiliated parties of the Agreement.

Please See all violations below 5 U.S.C. 552a ( b ) 16 C.F.R. 313.10 ( a ) ( 1 ) ( ii ) - Limits on disclosure of non-public personal information to nonaffiliated third parties.

16 C.F.R. 313.10 ( a ) ( 1 ) ( iii ) - Limits on disclosure of non-public personal information to nonaffiliated third parties.

16 C.F.R. 313.10 ( a ) ( 3 ) ( i ) - Limits on disclosure of non-public personal information to nonaffiliated third parties.

12 CFR 1016.10 ( a ) ( 1 ) ( ii ) - Limits on disclosure of nonpublic personal information to nonaffiliated third parties 15 U.S. Code 1681b ( b ) ( 1 ) ( A ) ( ii ) - Permissible purposes of consumer reports 15 U.S. Code 1681b ( b ) ( 2 ) ( A ) ( i ) - Permissible purposes of consumer reports 15 U.S. Code 1681b ( b ) ( 2 ) ( A ) ( ii ) - Permissible purposes of consumer reports 12 U.S. Code 3403 ( a ) - Confidentiality of financial records
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: PNC Bank N.A. (IL)

I PAID MY PNC LOAN ACCOUNT ON XX/XX/2024 WHICH WAS ON THE XXXX DAY DUE TO XXXX XXXX XXXX XXXX. PNC REPORTED ME AS LATE TO THE CREDIT BUREAU. FCRA STATES THAT LATE PAYMENTS CAN BE REPORTED TO THE CREDIT BUREAU AFTER 30 DAYS, HOWEVER I PAID ON THE XXXX DAY, BEFORE BANK CUTOFF TIME. 

THIS IS ILLEGAL AND UNFAIR REPORTING TO A CREDIT AGENCY. I HAVE PAID MY OTHER LOAN PAYMENTS ON THAT DAY AND NOONE HAS REPORTED ME AS LATE EXCEPT PNC. 
I HAVE NEVER BEEN MORE THAN 30 DAYS LATE PAYING MY LOAN PAYMENT. 

FURTHERMORE WHEN I CALLED I WAS INFORMED THAT MY DUE DATE HAS OR MAY CHANGE WHICH IS NOT FAIR, LEGAL OR JUST TO CHANGE MY DUE DATE FROM MONTH TO MONTH. 
WHEN I WAS CALLED TO PAY MY LOAN, NO ONE SAID ANYTHING ON THE LINE AS IF IT WAS A SPAM CALL.
Consumer complaint received 2023-06-05
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. (MI)

In accordance with the fair credit reporting act XXXX Account # XXXX, has violate my rights. 

15 USC 1681 Section 604 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 my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-12-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc. (AL)

The web portal for Mr. cooper powered by service mac is not working and has not been for a long while. They list no contact number, the only option for support is chat. When progressing through a chat to get to a real representative, the chat has an error and closes. 

I can not reach them to make a payment or to ensure my taxes and insurance are being properly paid via escrow.
Consumer complaint received 2023-12-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

I have diligently corresponded with Equifax, XXXX, and XXXX, highlighting numerous inaccuracies in my consumer credit profile, including erroneous late payment reports. XXXX and Equifax is reporting inaccurate payment history to my consumer report. XXXX is not reporting the same information that XXXX and Equifax is reporting inaccurate concerning a XXXX XXXX XXXX XXXX. This account is paid off in full and no late payments should be reporting to my consumer credit profile concerning this account. Below I have attached documents as proof. 

Under the Fair Credit Reporting Act ( FCRA ), explicitly outlined in 15 USC 1681, consumer reporting agencies are mandated to handle their responsibilities with fairness, impartiality, and profound respect for consumer privacy. As a consumer, I am inherently entitled to safeguard my private information, a right supported by 15 USC 6801, which underscores the obligation of financial institutions to uphold customer privacy and protect nonpublic personal information. 

The entities providing information to credit agencies, known as " Furnishers, '' fall under this definition of financial institutions. According to 15 USC 1681, Section 604 ( a ), any consumer report furnished by these agencies should strictly adhere to the written instructions of the concerned consumer. I assert that Equifax, XXXX, and XXXX, as the Furnishers of information to credit agencies, have no right or written consent from me to furnish my information. All forms of consent, be it verbal, non-verbal, written, or implied, are hereby revoked. 

Moreover, under 15 USC 6802 ( b ) ( c ), financial institutions can not disclose nonpublic personal information to THIRD parties unless consumers are given an explanation of how to exercise their nondisclosure option. The failure to inform me of this right by the Furnishers is a notable omission. Additionally, according to 15 USC 1681C ( a ) ( 5 ), consumer reporting agencies are prohibited from including adverse information without proper authorization. This inclusion, without my consent, violates the law. 

Furthermore, as per 15 U.S. Code 1681s2 ( A ) ( 1 ), agencies are prohibited from furnishing inaccurate consumer information knowingly. Equifax, XXXX, and XXXX should maintain reasonable procedures, as mandated by 15 U.S. Code 1681e, to prevent violations and limit the furnishing of consumer reports. Reporting transaction history without permissible purpose is illegal per this code.

Lastly, 15 USC 1681 ( c ) states that no adverse items, besides the conviction of CRIMES, should be on the consumer credit profile, and any item that is a derogatory mark is not allowed into the consumer reports. This is a violation, and anything added to the consumer report without written consent could be considered identity theft according to 12 CFR 1022.3.
Consumer complaint received 2024-03-09
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. (CA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has 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 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2023-12-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (MN)

I am writing to formally request an investigation into and the removal of an unauthorized hard inquiry on my credit report. I recently discovered this inquiry on XX/XX/23 when reviewing my credit report, and it has come to my attention that I did not provide consent for such an inquiry to be conducted. 

Below are the details of the unauthorized hard inquiry : Creditor Name : XXXX XXXX XXXX Date of Inquiry : XX/XX/2023 Inquiry Type : Hard Inquiry I would like to emphasize that I did not authorize any entity to make a hard inquiry on my credit report at the specified date. I am concerned about the potential impact of this unauthorized inquiry on my credit score and overall creditworthiness.
Consumer complaint received 2022-09-09
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: Experian Information Solutions Inc. (FL)

I have sent several complaints to you recently, and told your credit bureau to " investigate every piece of information '' on the account listed below. I am contacting you because you claimed to have completed a reasonable investigation with the furnisher of information and verified the account listed below as reporting 100 % accurate. However, this account is STILL inaccurate and your company is STILL continuing to report errors on my credit file, which is causing damage to my credit score. 

Account Name : XXXX, XXXX Account XXXX : XXXX. 

Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX .... 

Account Name : XXXX Bank Account Number : XXXX .... 

According to the FCRA the term " investigate consumer report '' means a consumer report or portions thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through persoal interviews with neighbors, friends, or associates of the consumer reported on or with others with who he is acquainted or who may have knowledge concerning any such items of information. They stated the account was verified by how is that possible if they did not do a proper investigation according to the law? Also, every piece of information on this account is still not reporting 100 % accurate. And according to the FCRA 15 USC 1681, everything has to be 100 % accurate. I have previously requested that you investigate this information and you have failed to correct the errors you are reporting on my credit report. Now is not the time to update, I demand that you IMMEDIATELY DELETE this inaccurate information from my credit report. I have filed complaints with the FTC, CFPB, and directly with your credit bureau ( phone, mail & fax ). I have documented all of my efforts and will pursue all resources available to me.
Consumer complaint received 2024-03-09
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. (NC)

I recently checked my credit report and I see 1. XXXX XXXX XXXX XXXX account number XXXX 2. Unknown Account name ( not shown in report ) with no contact information listed on report Account number XXXX XXXX XXXX 3. Unknown account name ( not shown in report ) with no contact information listed on report Account number XXXX XXXX XXXX These accounts are reporting fraudulent and inaccurate information on my credit report. 
I have requested that they provide the purchase agreement to show full ownership of such account, and also other documents so that I may review to see if this is actually an account that belongs to me. 

Also I have several unauthorized inquiries in my report that I never gave permission to run my credit. 

XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( Mo ) XXXX XXXX XXXX, XXXX, I presume that no proof of the alleged debt, nor therefore any such debt exists.
Consumer complaint received 2023-01-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

I just recently checked my credit report and notice fraudulent accounts on it that I did not open. I filed an identity theft report that I will attach to this message. Please delete these accounts from my credit report. I did not authorize them or open them. Thank you.
Consumer complaint received 2022-12-11
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: CITIZENS FINANCIAL GROUP, INC. (CA)

In accordance with the fair credit reporting act XXXX Account # XXXX has violated my rights. 

15 USC 1681 Section 602 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 an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for purpose.