davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-13
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: JPMORGAN CHASE & CO. (IL)

I do Not Have OverDraft Protection and there are 3 Withdrawals.

I received Chase 's Letter that Cath match {$23.00} IS PERMANENT ( Chase letter attached ) and there is a withdrawal when I DO NOT HAVE OVERDRAFT PROTECTION. See attached near bottom-No Overdraft Protection. 

And I only at at XXXX twice but there are 7 charges for {$6.00} some more than once a day. {$6.00} X 5 is {$32.00}. 
{$23.00} {$32.00}. 
is {$56.00} {$280.00} XXXX XXXX {$49.00} XXXX {$12.00} Bank Fee Increased ALTHOUGH NO OVERDRAFT PROTECTION {$5.00} Lot XXXX XX/XX/20 {$37.00} is Not mine-There is a Withdrawal slip Not in my writing. 
Total : {$400.00} Credit due Me.
Consumer complaint received 2024-03-19
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. (NY)

XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX BANK XX/XX/XXXX XXXX BANK XX/XX/XXXX XXXX FINANCIAL XX/XX/XXXX XXXX XXXX CRED XX/XX/XXXX CAPITAL XXXX XX/XX/XXXX CAP XXXX XX/XX/XXXX
Consumer complaint received 2020-04-13
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. (AR)

was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name. 

XXXX XXXX XXXX XXXX XXXX {$2400.00} XXXX   XXXX {$87.00} COLLECTIONS XXXX {$33.00} XXXX XXXX {$200.00}
Consumer complaint received 2020-04-13
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Bridgecrest Acceptance Corporation (FL)

I lost my job due to the COVID 19 pandemic which left me without an income coming in. i called Bridgecrest 6 or 7 times to see if they can help me in anyway so i could keep my vehicle. i explained to them i dont have an income coming in so i wont be able to pay the loan payment every 2 weeks. they explained to me and said they arent helping anyone that had been affected from this. but on their website it says they are. i ended up having to do a voluntary repossession on my vehicle. i tried to get them to just push my payment back 1 month and they said there was no way they could. now, when i go back to work, getting there and back will be an issue. and getting a new car will be an issue because the repo will drop my credit score tremendously, after ive worked so hard to get it to where its at.
Consumer complaint received 2020-06-12
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. (NC)

I have contacted ALL 3 credit bureaus. There was an address added to my credit report/SSN a year ago as well as an account I had no knowledge of. Myself and the woman at the address share the exact same name. Once she opened the credit account, one of the 3 credit bureaus added her and her address to my social security number. I filed a police report for the " fraud '' jumped through all the credit bureaus hoops, and they will not remove this address. Another credit account was added to my credit report once again, same person, same address and she failed to make a payment AGAIN. I have pleaded with the credit bureaus to remove her address ( I have lived at MY same address for XXXX  years ). The detective who investigated the fraud had the same conclusion ... ... one of the credit bureaus added her address and account to MY social due to our sharing the same name with no attempt to locate her personal information anf therefore her own credit accounts. PLEASE help me.
Consumer complaint received 2020-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Ray Klein, Inc. (UT)

Prof Credit XXXX : This debt is currently being reported in a violation of the Bankruptcy Law. This debt is currently updating each month on my credit report and affecting me negatively. This was included in my Bankruptcy and is no longer valid to report on my credit file.
Consumer complaint received 2020-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: JPMORGAN CHASE & CO. (FL)

I called chase to change the date on my automatic payments from the XXXX of every month to the XXXX, chase advised that the change I requested was processed. The following month I realized my automatic payment for the XXXX was not drawn from my account. I called Chase to follow up on what was going on and they explained that the automatic payment they said they would set up for my account was never processed, therefore they reported a late passed due payment. I have never missed a payment on my auto loan and due to their poor customer service a unjustified late payment was reported. I have already fixed the issue and my account is up to date but chase made me aware that although this was an error from their behalf the could not remove the late payment reported. Please help with the matter. Thank you
Consumer complaint received 2020-04-13
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

Trip ID : XXXX Capital One Venture On XX/XX/XXXX my family and I were to arrive in California and stay in the " XXXX XXXX XXXX  ''. I had started feeling XXXX  and because of the current outbreak with covid-19 felt it not safe to travel. I spent over 10+hours on hold with 5hrs.42mins of that happening on XX/XX/XXXX when the rep. contacted the hotel and asked if this reservation could be cancelled without penalty and was told yes. The rep. then got back on the phone with me and said that now this would go to there refund department and she would contact me in a few days when this was complete. I have heard nothing since from the travel department. I have reached out through social media and phone calls with zero luck. I don't have 10+ more hours to spend on hold to ask a question. I spent {$370.00} and XXXX points on this trip, I just want my refund.
Consumer complaint received 2020-06-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

The balance you are reflecting is not correct. I made a settlement payment of {$200.00}. Your email clearly states this settles my balance. My balance should be reflected as {$0.00}. Your e-mail is as follows : About your account ending in XXXX On XXXX XXXX, 2020, you made a settlement payment of {$200.00} towards your initial balance of {$480.00}. We are happy to confirm that this payment settles your balance. 

The last sentence clearly states this payment settles my balance. Which means, I no longer have a balance. My balance should be {$0.00}.
Consumer complaint received 2020-04-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CITIBANK, N.A. (NJ)

To Whom It May Concern : I hope you have been safe during these uncertain times. 

Im writing because I noticed that my most recent credit report contains a late paymentreported for my Citibank account. When speaking to a Citibank representative, they confirmed that my auto-payment amount was upped from {$30.00} to {$35.00} without my knowledge during the month of XXXX. If I had known that I was delinquentby {$5.00}, I would have immediately corrected this error, but due to Citibank not informing me until it was too late, my credit score has now droppedsignificantly. This is Citibank taking advantage of the current Covid-19 crisis, as previously I have never had my auto-payment upped within the 6 years of having this credit card open. I don't understand how I did not receive any notifications about this in the mail, and their calls have been flagged as spam risk, which is why I did not give my account information to them over the phone. When I tried calling them back to confirm that it was them calling under the spam risk number, their automated service told me that they are experiencing higher than normal call volumes and would hang up on me. I never received any confirmation from them until it was too late. 

I want you to know that I understand my financial obligations, and if it werent for myautomatic payments information being upped by Citibank without my knowledge and my phone flagging Citibank 's automated calls as spam and their inability to reach out to me by other more practical methods, Id have an excellent repayment record. Since then, I've paid off the account in full. Leading up to then, Ive had a spotless record of on-time payments. 

I am still unable to reach Citibank unless it is within their automated service that still hangs up on me, or by their 'chat ' function that does not respond back to me until the middle of the night. No one is getting back to me about this predatory practice and it is ruining my life. 

Thank you, XXXX
Consumer complaint received 2024-03-28
Product: Credit card — Store credit card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL (TX)

I have filed XXXX complaint with CFPB. The complaint # is XXXX. It is now going on 2 months since my application and XXXX weeks since I filed a complaint with CFPB. To this date the company haven't notified me.
Consumer complaint received 2015-06-24
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY (PA)

I deposited a {$1900.00} check and was told it would clear by Tuesday. I was unsure whether or not the check would clear so I went to the Wells Fargo branch and specifically asked if that check had cleared the account and was cashed into mine. Wells Fargo confirmed that the money was not just available, but the check had been processed and went through. Confirming that it was not a bad check, or so I thought. Based off of this information I took out {$1200.00}. The next day I receive a notice that the check did not go through! The {$1200.00} was non-refundable so I am now out {$1200.00}. I called Wells Fargo and asked that they make amends for their error and credit my account but they refused. So now I am turning to the CFPB to see if I can get my {$1200.00} back because I would not have taken the money out unless Wells Fargo told me definitively that the {$1900.00} check cleared the senders account and was now in my account.
Consumer complaint received 2020-04-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

Dear XXXX, XXXX, TransUnion, I am writing to dispute the following information that appears on my consumer report : Explanation of items being disputed : My report includes accounts with late payments, missed payments, and serious delinquency that are not mine. 
The referenced accounts have been previously disputed as fraudulent accounts opened by someone that stole my identity. 
Im the victim of identity theft and I dont recognize these the accounts on my report. I have included a copy of the FTC identity theft affidavit describing the identity theft. 
you should not report it under your credit reporting agencies. If you have already reported it, please delete them from my credit report. Reporting information that you know to be inaccurate, or failing to report information correctly, violates the Fair Credit Reporting Act.
Consumer complaint received 2023-01-12
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: Fidelity National Information Services, Inc. (FNIS) (MN)

I am a victim of identity theft and have a current police report on file with Chex Systems regarding being a victim of identity theft. The following inquiries viewed by others and only by you currently listed on my Chex Systems Consumer Report ID : XXXX are fraudulent and unauthorized inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX XXXXXX/XX/XXXX, Michigan XXXX XXXX XXXXXXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX Bank, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, and XXXX XXXX XXXX, XX/XX/XXXX. The inquiries are all fraudulent and unauthorized. Full Name : XXXX XXXX XXXX, XXXX : XX/XX/XXXX, XXXX : XXXX
Consumer complaint received 2020-06-12
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)

I was denied from getting a credit card with XXXX XXXX today XX/XX/20 because apparently there are accounts reflecting badly on my credit history ; I was not aware of these accounts and the reason for that is because none of those accounts are mine. The accounts are from these companies. XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX. I did not open any of these accounts and I did not give anyone permission to open them in my name. I am not affiliated to any of the companies I listed nor do I have any written/verbal contract with any of them. I did not benefit anything from these unauthorized accounts and I did not take part in any purchases or payments made towards these accounts. I have already filed a police report regarding these accounts.
Consumer complaint received 2020-01-09
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Convergent Resources, Inc. (LA)

On XX/XX/2018 my employer received a letter from Converget. In that letter contained the amount of money I owed in debt. XXXX and that the balance was reduced to XXXX. I'm currently employed at the company witch my wife 's father XXXX.
Consumer complaint received 2020-04-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I was at XXXX XXXX today and I needed to pull my credit for business transaction and I discovered that someone has done a ton of fraud in my name for accounts and lines of credit in my name. I have over four different SSN numbers showing on my credit file that are definitely fraudulent SSN numbers. I have 20 something address showing and I have only lived in 3 addresses in Ohio. Please delete remove the following SSNs : XXXX, XXXX, XXXX, XXXX. My name is XXXX XXXX XXXX and DOB is XXXX and SS is XXXX. Please remove delete any variations of my name and SS. The two fraudulent account are XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX These are the fraudulent addresses on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX, XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX, XXXX XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX, XXXX XXXX  XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX, XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX, XXXX XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX, XXXX XXXX XXXX XXXX XXXX, WA XXXX, XXXX XXXX XXXX # XXXX  XXXX, MN XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX, I have contacted the authorities here in XXXX OHIO and I have filed a Police Report as well as a FTC ID Theft Report. I am not married to XXXX a please remove him as a spouse form my credit file please and thank you!
Consumer complaint received 2020-04-13
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. (CO)

Equifax ; XXXX and XXXX should not be reporting a repossession on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I was never late on a payment however, there were ( 2 ) ACH payments that were credited back to my account. ( I have attached a copy of the bank statements ). There had been fraudulent activity on my account and when I saw the ( 2 ) ACH payments I disputed them with the bank. I was not sure who these transactions were from. I later discovered that the transactions were from XXXX. I immediately allowed the payments to process. I contacted XXXX and was assured the account was in good standing. Before I knew it the vehicle was repossessed. This banking error was through no fault of my own and consequently the reporting of the repossession on my credit report is in error. I have included bank statements as well showing that I did make on-time monthly payments as scheduled on this account. The false reporting of a repossession is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted XXXX  as well as the bureaus to remove this line item however, I have not been successful.
Consumer complaint received 2024-03-23
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. (TX)

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. 

Account Name : XXXX : Account Number:XXXX Account Name : XXXX : Account XXXX Account Name : XXXX XXXX : Account XXXX Account Name : XXXX XXXX : Account XXXX Account Name : XXXXXXXX XXXX : Account Number : XXXX  Account Name : XXXXXXXX XXXX : Account XXXX Account Name : XXXXXXXX XXXX : Account XXXX Account Name : XXXXXXXX XXXX : Account Number : XXXX  Account Name : XXXXXXXX XXXX : Account XXXX Account Name : XXXXXXXX XXXX : Account XXXX Account Name : XXXXXXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX  : Account XXXX Account Name : XXXX : Account NumberXXXX Account Name : XXXX XXXX XXXX : Account NumberXXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

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 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 2020-06-12
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. (TN)

Equifax is reporting incorrectly a repossession on the XXXX partial account number XXXX with an outstanding balance of {$5600.00}. ( Please see page attached from my credit report. ) I purchased a vehicle and shortly thereafter the engine blew. I took the vehicle back to the dealership where they replaced the engine. Even after this replacement the vehicle did not run so I returned it well within the time frame allotted. The coding of this account is incorrect and needs to be changed. This false reporting of a repossession is seriously harming my credit score and this line item needs to be updated to report accurate information. It is a violation of the Fair Credit Reporting Act ( FCRA ) to not report accurate information. I have contacted the bureau to either remove and/or update this account to report correctly however, I have not been successful.
Consumer complaint received 2020-04-13
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (IL)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE.
Consumer complaint received 2020-06-12
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: Experian Information Solutions Inc. (IL)

XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX  XXXX, IL XXXX Experian RE : XXXX To Whom It May Concern, While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : 1. XXXX XXXX XXXX 2.  XXXX XXXX XXXX 3. XXXX XXXX XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611. 


Lastly, I logged on XXXX to get Pre-Approved and next thing I know I had 3 inquiries. Nowhere does it say when getting pre approved that they're going to pull your credit. It wasn't until I started getting the notifications did I realize that my credit was being pulled.