davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-05
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (NJ)

On XX/XX/25, I tried to withdraw from my checking account using ATM, I was been informed that Transaction Denied and was asked to call Chase for further details. I called chase on XXXX, the representative told me that my account is closed by the chase as the final decision. Before that phone call, I even did not know this desition. The bank told me that they have the ability to close one 's account without the authorization from the customer when I asked why I did not get any warning or inform about account closing. No emails, No SNS, No phone calls. The remaining credits in this account will be mailed to me in cash and the mailing is the only way. That is a large amount of money and I already told the bank I am not the only one who uses the mailbox, additionally, the bank can not track the shipping processing, the safety for the money can not be guaranteed. The bank asked me to keep eye on the mail person and mailbox. On XXXX, I called to chase, they found the excuse that their system has some issues and hanged up my phone call after I described the entire story about this accident. 
I am very angry at the way this was handled and their attitude towards this issue.
Consumer complaint received 2022-07-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

The Following Personal information appearing on my report are incorrect. Also, the following inquiries appearing on my credit report are unauthorized. I have no legal obligation with these companies nor inquired for anything as well as I have never signed any papers authorizing these inquiries.. That means the Bureau has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. 
EMPLOYER : XXXX XXXX  Date Updated : XX/XX/XXXX INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX
Consumer complaint received 2023-08-14
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: EQUIFAX, INC. (TN)

This is is a follow up complaint to the recent CFPB Complaint I previously submitted to Equifax Credit Bureau requesting the deletion of the unauthorized inquiry. The inquiry XXXX XXXX XXXX XXXX XXXXXX/XX/2023 is not affiliated with me, and I have not received any money, goods, or services as a result of this unauthorized inquiry. Neither have I authorized these inquiry. I demand that this be immediately removed from any affiliation with me.
Consumer complaint received 2019-07-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I found that XXXX XXXX has pulled my credit score on XX/XX/2018, without my knowledge, consent, and request. I even don't know what is XXXX. 

Remove this incorrect reporting from my report. Else provide me the evidences showing my credit card application with XXXX XXXX XXXX.
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

There is a Bank of America credit account reporting as a charged off account on my XXXX and XXXX credit report that is fraudulent. I have placed fraud alerts on both those credit bureaus and have stated over several months of disputes that the account does not belong to me and was opened and used without my knowledge or authorization. I do not know any specifics of what happened with this account as I have never owned a Bank of America credit card and this has horribly affected my financial reputation and ability to obtain credit and buy a home for my children. This account is fraudulent and both Bank of America and XXXX have been negligent in conducting a proper investigation into this account. If there was a investigation conducted, this account would have been removed XXXX and XXXX and updated after the initial dispute. I clearly am a victim of identity theft and somebody had access to my personal information, without me providing anything. I have never shared any personal information nor have I shared my SSN number, phone number, bank account details, or login credentials to any financially related applications that I use. I please ask that this account gets investigated top to bottom and subsequently deleted from my XXXX and XXXX credit reports. In that investigation, I am asking the CFPB to hold Bank of America liable for their unwillingness to cooperate in conducting a proper investigation. After several disputes of the account, I have asked for original contract with my wet-ink signature, transaction history, statements from account opening until supposed charge-off date. Any and all documentation if the debt was sold ( which is illegal to do ). I have asked for all the personal information on the application including full name, address, date of birth, SSN, employer, income stated on application, the length of employment, etc. Bank of America has not provided a single piece of information requested and after every dispute, they simply come back and say it meets FCRA requirements, which it obviously does not. They update the account by changing something each and every dispute. This means they were reporting balance information, payment history, open and close date of the credit account, etc. inaccurately and illegally as this account was opened fraudulently. I never received any correspondence from Bank of America throughout this entire dispute process. That alone is FCRA violation and is also subject to monetary fines. I will not hesitate to pursue litigation through my attorney if this account is not removed from my XXXX and XXXX report.
Consumer complaint received 2022-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code1666 ( b ) billing errors. The creditors failure to reflect properly on a statement, a payments made by the obligor or a credit issued to the obligor. A computation error or similar error of an accounting nature of the creditor on a statement. As I know the creditor didnt notify me 21 days before with a statement so there should be no late payments on these accounts. I demand to see hard solid proof from the creditor bank account that I didn't pay and was marked late because these are clearly billing errors. Listed below are the accounts in question : XXXX BANK XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$37000.00} XXXX XXXX XXXX XXXX Balance Owed : {$64000.00} XXXX XXXX XXXX XXXX Balance Owed XXXX {$17000.00} XXXXXXXX XXXX XXXX Balance Owed : {$13000.00} XXXX XXXX XXXXXXXX Balance Owed : {$12000.00} XXXXXXXX XXXX XXXXXXXX Balance Owed : {$29000.00}
Consumer complaint received 2023-01-19
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. (MD)

This is the several time I've complained about being a victim of identity theft. The 3 Credit Bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-04-24
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: Midwest Recovery Systems (WI)

I received an email from XXXX XXXX stating there was a change to my account on XXXX. 

Upon further investigation through the app I discovered a false claim that I had withdrawn a payday loan on XX/XX/2020 in the amount of {$1100.00} from XXXX XXXX. ( This is how XXXX XXXX has it listed ) Outside of the TV commercials, I can only assume that it is XXXX XXXX. ( it has some weird guy in a cape offering money in the commercial. ) I do not take out payday loans. Even during this covid-19 crisis I have no need to get a payday loan. 

I will also point out that my credit score was in the mid 700 's but this hit knocked me down to the mid 600 's. 

I assure you that a credit score in the high 700 's does not come from having debt. 

I tried to contact the creditor accusing me of this debit ; Midwest Recovery Systems but this seems to be a fraudulent company. 

When I call, they claim to have high call volumes and put me on hold. There is no music and then after two and a half minutes they ask that I leave a message. I have tried this multiple times with the exact same result. 

I left a message only stating my name and phone number with no other details. This company has not returned my calls and I am not comfortable using their email contact as they are asking for personal information.
Consumer complaint received 2023-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

I'M DONE ASKING NICELY. I'VE SENT YOU NUMEROUS LETTERS INFORMING THERE IS INACCURATE, ERRONEOUS and UNVERIFIABLE INFORMATION ON MY CREDIT REPORT. You are required under the FCRA to have a copies of the original creditors documentation on file to verify that this information is 100 % true, accurate and correct. 
In the results of your numerous investigations and subsequent reinvestigations, you stated in writing that you verified that this item is being reported correctly? I'VE ASKED YOU " WHO VERIFIED THIS ACCOUNT? You have NOT provided me a copy of ANY original documentation, OR COPIES FOR THAT MATTER, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Sections 616 and 617 provide me with remedy when a credit reporting agency does not comply with the law. You are willful noncomplying with the FCRA.

Since you CLAIM TO HAVE VERIFIED THIS ACCOUNT BUT HAVE NOT PROVIDED ME WITH ANY INFORMATION. I WILL GIVE YOU ONE LAST CHANCE TO UPDATE '' THE FOLLOWING ACCOUNT. 
Please update the following account, or inaccurate information, from my file immediately & send me the results to the address listedXXXX XXXX XXXX  XXXX
Consumer complaint received 2023-02-15
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION (FL)

XX/XX/23, a deposit of {$170.00} for medication was transferred out of the account without my permission. A rep advised I would receive an ATM card to withdraw funds as my option for retrieval, card was received however the deposit was taken without my authorization. 

I called several times before I was advised the funds were taken to pay on a charged off checking account. I recently spoke to a rep about prior to opening my current savings to apply phone authorized payments. No policy was ever disclosed that any funds in my savings # XXXX would be applied to the charged-off account. If this was deemed as true, there is {$0.00} in the account currently that has not been touched. 

I have been waiting almost 30 days for a supervisor to return my call to reverse the funds as I had a prior payment agreement to pay when I can due to layoff because of XXXX XXXX issues. One supervisor named XXXX I believed lied to say she called and left a voicemail. However I answered that called but she say hello in return, dead air was it. There was never any voicemails.
Consumer complaint received 2022-11-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: WELLS FARGO & COMPANY (CA)

Today XX/XX/2022, I called CFPB at ( XXXX ) XXXX because I was informed by a male CFPB agent to check back in 7 to 10 days to see if Wells Fargo responded to my mailing complaint dated XX/XX/2022 by certified mail # XXXX that being confirmed by 2 different CFPB on my 2 phone calls before in XXXX and XXXX. They adised me to call back if I don't hear any solution from either Wells Fargo or CFPB. 
At XXXX, XXXX was unhelpful and unable to answer my question, then her supervisor, XXXX XXXX refused to state her last name or the state location where her call center at. She also pointed finger at whom ever gave me instruction not to file a new complaint while my case was closed but mailing to written complaint and proofs of disagreement. That what I mailed on XX/XX/2022. XXXX XXXX refused to transfer my call to another supervisor and ended my call. 
At XXXX, XXXX XXXX received my call, but he was unable to answer on what happen to my mailing escalated complaint against Wells Fargo agents and WF Banking XXXX His supervisor, XXXX XXXX confirmed there were no upload from CFPB in Washington DC and she emailed me the all complaints from XX/XX/2022 to XX/XX/2022 against Wells Fargo before WF gave me an meaningless solution on XX/XX/2022 through CFPB but mailing a delayed solution on XX/XX/2022. 
Therefore, I have to electronically filed my new complaint against Wells Fargo agents and Banker
Consumer complaint received 2023-02-02
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: CITIBANK, N.A. (NC)

XX/XX/22 {$330.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX CITI card CITI card called me my had hecked 3 times XX/XX/22 {$89.00} Then CITI resolved the issue and canceled the card. 

But the card was heacked on XX/XX/22 {$330.00} When I called CITI card, always they said everything has been fixed and I don't need to worry about it. 
But CITI card keep sending me a bill and this month late fee {$41.00} interrest {$8.00} added I talked over the phone 4 times. 
Always the CITI card say yes but no result. 

The last talk was XXXX XXXX, XX/XX/XXXX XXXX XXXX
Consumer complaint received 2023-06-18
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CULLEN/FROST BANKERS, INC. (TX)

My account was fraudulently accessed and XXXX XXXX XXXX XXXX for {$1000.00} dollars each occured. I have tried to handle this with Frost bank however they have inaccurately deemed that the transactions were purposely made. I have called repeatedly to no avail and they have not provided any evidence to prove their case. They give vague details and I'm left with little to no information and {$2000.00} missing
Consumer complaint received 2017-05-10
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Tower Loan of Mississippi, Inc. (MO)

XXXX / XXXX / 17   XXXX   XXXX  I received a phone call at work after explicitly telling them to not call me at my place of employment. It was not given as an option but as a specific instruction to not call me at work ever.
Consumer complaint received 2023-06-18
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: JPMORGAN CHASE & CO. (IL)

On XX/XX/XXXX and XXXX 2023 our 2 checking and1 savings account money was stolen from our account. The accounts were linked. 
This happened at Chase bank at XXXX XXXX XXXX XXXX. XXXX, Il XXXX. 

Total amount stolen XXXX Account Ending in XXXX - XXXX. 
Account Ending in XXXX - XXXX. 
Account Endng in XXXX - XXXX. 
Total of all 3 accounts - XXXX. 

Chase says they looked into the loss and that I had stolen the money because my Pin was used. 
We went into Chase to appeal. The person that helped us looked at the activity and determined that it was not our fault. They called Chase fraud and had the case reopened and explained why. 
-The person that drained our accounts used XXXX XXXX. We have been with Chase for YEARS. 
- We have never used XXXX. 
- Why didn't Chase fraud see this unusual activity??? This all happened within 24 hours. 

They denied us a second time, same reason. 
This happened at the branch address above. They should be able to get pictures of this person. 
I am opening a police report tomorrow, please call me at XXXX with a incident report number if needed.
Consumer complaint received 2023-01-19
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. (CA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following 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 2023-05-13
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. (NV)

Again, I am a victim of identity theft and this is also a request to remove information related to the alleged identity theft from my credit file. Pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), credit bureaus must delete all items within four business days of receipt. Also, the information provided on some items is unknown to me and has been removed by other offices, and I question its accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XX/XX/XXXX ; XXXX XXXX  XXXX  XXXX XXXX XXXX NV XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX ; XXXX XXXX XXXX  XXXX XXXX, NV XXXX ; XXXX  XXXX Balance : {$0.00} ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX.
Consumer complaint received 2015-09-20
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

I was threatened, by a Bank of America representative, that they were not going to post my mortgage payment if I did not pay my mortgage in XXXX payment vs paying bi weekly. The representative told me the only way they would post my payments the way I have been paying is if I paid them {$8.00} per transaction to enroll in there biweekly payment program.
Consumer complaint received 2023-02-15
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (DE)

In XXXX and XXXX of XXXX, XXXX XXXX  took money out of my Bank of America account after telling me that XXXX XXXX  was not going to take any more funds out of my checking account. I called the Bank of America and informed Bank of America about this situation and I was told by the bank that the bank will shut down my account and that no one will be able to take out any funds until an investigation on the account. the bank then knew that I was seeking an attorney which is still my attorney for the company of XXXX XXXX. I then opened another account because one of the accounts my social security uses to deposit my monthly funds. I had always brought the fraud up to date with the situation that this company had no right taking money out of my account. in fact, the company sent me a note about the checks that they are not going to take any more money out of the account ending in XXXX which is the account that XXXX XXXX took the money out to the account. I opened up another account to replace the account ending in XXXX and the new account had nothing to do with the account that bank America took the money out of the account new account number is the account that I spoke to someone in the bank about the situation of keeping my money safe and was informed that the bank will give me time to reach out to the lawyer when I can speak about the stolen money. I was informed by the bank that my money was safe in both of the accounts and that the investigation was still being worked on. I'm on social security and just recently buried XXXX people with XXXX. My husband died in the year of XXXX. Which is the reason why I continue using the bank. I'm on social security XXXX and my husband was my payee for my funds. Just recently I am able to get my funds in my name after having to rely on someone being my payee. so I stayed with the bank that my husband chose. On XX/XX/XXXX, the bank went into my new account and withdrew over XXXX dollars for the funds that XXXX XXXX stole out of my account without telling me what they were going to do which was taking over XXXX dollars out of my account which is the new account that I open to make my money safe because of my XXXX and the money is from social security that I need for the workers that are medical workers for my medical needs. Bank of America should have gone after the company that stole my funds which I provided the bank with who they are. I was never told and the bank knows that I have a claim on the new company of XXXX XXXX. I'm very upset because I need my medical workers and my medicine and help around my home. I told the bank to give me my money back and that I told them who took the money out to the bank and I have a letter from the company that they will not take any more money out of my account. The bank didn't care what I was telling them. The bank was very nasty to me and told me that they were not going to give me my money back. Now I'm afraid that my money is not safe.