davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (CA)

On Wednesday, XX/XX/2021 at the chase bank located at XXXX XXXX XXXX XXXX XXXX, CA XXXX I entered the branch to cash a check from my employer drawn on Chase bank. At the time my Chase checking account was overdrawn approximately {$60.00}. The teller refused to cash the check from my employer - drawn on Chase bank and from an account with available funds to cover the check - because my account was overdrawn. I asked for the branch manager to get involved. After explaining the situation to the branch manager, again my request cash the check was refused by the bank. Furthermore, the branch manager refused my request to contact the internal compliance auditor for their area to verify the practice he was implying was legal as I informed him it was illegal per my experience working as a branch manager for XXXX Bank in Texas and a service manager and banker for XXXX XXXX in years prior. 

The bank forced me to deposit the check in my account although it was drawn on Chase to cover the overdrawn amount prior to receiving any funds. The bank took my money hostage. The branch manager refused to double check the practices he was employing were compliant with regulations despite being cautioned that the practices were illegal.. This is not OK.
Consumer complaint received 2021-10-21
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: WELLS FARGO & COMPANY (FL)

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX  Account Number : XXXX This is not mine. 

3. Identity Theft XXXX  XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX  Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

6. Identity Theft US DEPT ED Account Number : XXXX This is not mine. 

7. Identity Theft US DEPT ED Account Number : XXXX This is not mine. 

8. Identity Theft USDOEXXXX  Account Number : XXXX This is not mine. 

9. Identity Theft XXXX  Account Number : XXXX This is not mine. 

10. Identity Theft XXXX XXXX  Account Number : XXXX This is not mine. 

11. Identity Theft XXXX Account Number : XXXX This is not mine. 

12. Identity Theft XXXX XXXX XXXX XXXX XXXXXXXX Account Number : XXXX This is not mine. 

13. Identity Theft XXXX XXXX  XXXX Account Number : XXXX This is not mine. 

14. Identity Theft Account Number : XXXX This is not mine. 

15. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.
Consumer complaint received 2021-07-28
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. (MD)

I have sent certified letters to all three bureaus about one item to be verified and received no feedback or results. The item is : XXXX XXXXXXXX XXXX # XXXX. I have NOT had this account.
Consumer complaint received 2024-01-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Getting unauthorized hard credit inquiries deleted from my credit report is the goal of this complaint. I've obtained a copy of my credit report from your agency and observed the presence of unapproved inquiries. The following is a list of the unauthorized inquiries. 
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 XXXXXX/XX/XXXX
Consumer complaint received 2024-01-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (HI)

I am writing to dispute the accuracy of the information contained in my credit report done by Trans Union on XXXX On XXXX  at XXXX pacific time. I called Trans Union dispute department, spoke with XXXX regarding my Investigation Results. I Asked Why was the information deleted from my credit report? XXXX reports that XXXX XXXX  XXXX reports that I opened an account on XXXX XXXX XXXX  and closed on XXXX XXXX XXXX. She informs me that the " Account DID Not belong to ME. It's Another person 's account that's placed on my report. '' This was not in the Investigation Results that was provided to me. I've requested a full report from Trans Union File Number : XXXX. In the full report it does not inform me that another 's person 's account appeared on my credit report. Today XXXX I called Trans Union dispute department at XXXX pacific time and spoke with XXXX XXXX I requested a full disclosure on this incident. I made it clear that the investigation has been completed and I wanted the information about another person 's account being placed on my credit report. XXXX said that he will have that mailed to me within 7 days. He left me on hold and never came back. At XXXX I am still on hold. minutes later the phone hangs up and line went dead. Trans Union was not transparent with their investigation and providing an accurate report.
Consumer complaint received 2021-10-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (AL)

I had some unauthorized transactions on my Chime account. I submitted a dispute form couple months ago and they had emailed me back saying it would be 10 days well in ten days they emailed me saying it was denied. I asked to see the documents they used to decide that and they emailed me saying the dispute was declined because I toled them my card was in my possession at the time however right under that was a copy of the form I submitted stating that the card was in fact not in my possession that it was stolen, So I submitted what they call a rebuttal and the next day I received emails saying it was declined and the matter was considered closed, I asked for the documents again and they have not sent me anything, I've got Alot of emails back and forth with them and they are just really disrespectful and they will not fix these charges! This has been going on for over two months now!
Consumer complaint received 2020-07-10
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: KLS Financial Services, Inc (AZ)

After I got in a car accident, I went to XXXX  to check if I had XXXX  my XXXX. The doctor there was unable to determine if I had XXXX  my XXXX, so I ended up having to go to a different doctor who was actually knowledgeable and competent. In addition to the doctor being incompetent, the front desk receptionist did not process my health insurance ( even though I double checked to make sure she did make a copy of my insurance cards, she ended up not processing it since XXXX is a terrible company with incompetent staff ). Therefore XXXX  processed me like I was uninsured and instead of listening when I called their customer service, they sent the debt collection company, KLS FINANCIAL SERVICES, after me. I worked with my insurance company and XXXX and paid the debt. KLS FINANCIAL SERVICES stopped sending me letters once I paid my debt. However, recently in the past two months, KLS FINANCIAL SERVICES has started calling and texting me. The company refuses to give me any paperwork, yet still calls me. I paid my debt, the debt collection should be marked as closed, and the debt collection company is not sending me any paperwork YET they are still harassing me via phone calls! I filed a dispute with XXXX, hoping that KLS FINANCIAL SERVICES would realize their error yet they are still calling me and refusing to provide any paperwork. In summary, the debt has been paid, KLS FINANCIAL SERVICES has not sent me any paperwork since I paid the debt, but still calls and harasses me. It is disgusting that a mistake by a receptionist a year ago is still causing problems for me today, KLS FINANCIAL SERVICES needs to stop contacting me and mark the collection as closed as the debt has been paid.
Consumer complaint received 2024-02-28
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: REGIONS FINANCIAL CORPORATION (IL)

On XX/XX/year> my checking account went into overdraft by {$110.00}. The next day, XX/XX/year> deposited {$110.00} to avoid the overdraft fee. The same day another ACH transaction was pending but had not posted. That day I called the branch manager XXXX, and explained my situation. He told me that as long as I had the amount to clear the {$110.00}, that the pending overdraft fees of {$100.00} would fall off, due to overdraft grace. The next day, the fees didnt fall off and they hit my account. That resulted in another overdraft fee being applied for the ACH Transactions that was pending. After ignoring my messages and calls for 2 days. The manager does a complete change and says that the deposits werent in time, but when I presented him with proof, he just claims that isnt how their system works and that he couldnt help me. I did everything he instructed me to. And if you look at my account. At the end of each day, the only thing that had my account negative, was the overdraft fees themselves. How can your manager instruct me to do something, and then not stand by his word? Its crooked and a deceptive business practice. If he wouldve said the truth from the start I couldve easily moved more money to that account to cover it.
Consumer complaint received 2023-03-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (TX)

I dont want my file handled by the specialized fraud team anymore!!!! Its takes to long to get to That department and it stops be from managing my report online!!! 

All I need to do is change the phone number on my consumer statement from XXXX to my new phone number XXXX. Thanks
Consumer complaint received 2021-10-21
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. (NY)

I have contacted Experian via certified mail, affidavit and with proof of my identification and demanded that they have remove the inaccurate addresses immediately from my credit report on XX/XX/2021. Till this day they have not removed the inaccurate errors, nor showed in a detailed fashion regarding there sources how they investigated my dispute. I must be compensated for these violations. 


I have contacted Experian via certified mail with return receipt on XX/XX/2021 for them to validate the debt, along with proof of my identification.Till this day they have not removed or validated the debt which means the inaccurate errors need to be removed immediately. I must be compensated for these violations.
Consumer complaint received 2020-07-10
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)

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name XXXX XXXX  XXXX   XXXX {$11000.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00}
Consumer complaint received 2021-10-21
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: CITIBANK, N.A. (IL)

My Macys American Express decreased my credit limit from {$3500.00} to {$1800.00}, and never informed me about it. 
I was contacting this creditor and they said that I did not use the credit card so long, and that is why they decreased the credit limit. 
Then after that my credit score dropped 6 points.

I just was so sad about it and finally closed this credit card.

Amount decreased at the beginning of XX/XX/2021 I was contacting them in few days after Account closed approximately XXXX XXXX. 
I always pay my bill earlier. 
Now I have a mess at my credit history! 
Please help me to get it fixed. 
Thank you!
Consumer complaint received 2021-10-21
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (MN)

The MrCooper ( FKA Nationstar Mortgage ) website has been a real problem for the last few months. I have been trying to use it to submit another Covid 19 pandemic relief mortgage forbearance request covering XXXX and XXXX of 2021. However, there is absolutely no way for me to get through their " wrong password '' and other attempts to log on. 

The last time I was logged on to MrCooper.com, there were no tabs or areas the consumer could use to submit a mortgage forebearance request. Instead, I had to use their " contact us '' button to manually type out in the mortgage payment forbearance request in my own words. Then I somehow got logged out and must have used the wrong password guess a few times after getting logged out. Going through all the various hoops for setting a new password, the new password ultimately obtained did not work to open their portal. 

Finally, on XX/XX/2021 I used regular USPS Priority Mail to send them the mortgage payment forbearance request, for which I have a tracking number. 

This is a concern because there is no telling how many homeowners are being cheated out of their rights by this company 's website failing to work properly.
Consumer complaint received 2019-12-15
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Preferred Collection and Management, Inc. (FL)

There are 5 separate collection accounts from preferred collection and management XXXX for debts they claim are from XXXX XXXX XXXX XXXX dates assigned to them range fromXX/XX/2014 toXX/XX/2017 acct # s XXXX, XXXX, XXXX,XXXX and XXXX. I have requested multiple times for invoices for these accts they claim are mine and since XXXX they have yet to provide them. They have my updated address and still no avail. I am demanding that these items be removed from my report immediately.
Consumer complaint received 2021-10-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I have a right to privacy pursuant to 15 USC 1681 and my federally protected consumer rights are being violated.

12 CFR 1026.13 ( d ) ( 2 ) Adverse credit reports prohibited. The creditor or its agent shall not ( directly or indirectly ) make or threaten to make an adverse report to any person about the consumer 's credit standing, or report that an amount or account is delinquent because the consumer failed to pay the disputed amount or related finance or other charges. 

See attached.
Consumer complaint received 2019-02-05
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: Experian Information Solutions Inc. (CA)

In compliance with the submission of this complaint, I have listed the dates and so forth as instructed. On XX/XX/XXXX I paid USPS a fee of {$18.00} and sent a signed, notarized certified letter with an Identity Theft Affidavit to XXXX  and Experian regarding a fraudulent account on my credit reports. 

I received notification that XXXX and Experian received my notarized certified letter with its contents on XX/XX/XXXX. In compliance and understanding with the Fair Credit Reporting Act, Section 611, the credit bureaus have 30 days to investigate and remove, block the fraudulent account in question that is being disputed. 

On XX/XX/XXXX I paid my credit monitoring website, www.experian.com a fee of {$24.00} to refresh and review my credit reports. I became aware that the fraudulent accounts have not been removed and on XX/XX/XXXX and the accounts are STILL on my credit report causing a health risk and strain on my person. 

It is now XX/XX/XXXX and giving the credit bureaus extra time from the holiday season to process my request to remove the fraudulent accounts STILL have NOT been removed from my credit report and causing an additional health hardship on me and my family because of this. I am enlisting the Consumer Financial Protection Bureau for assistance in this ongoing issue.
Consumer complaint received 2024-02-28
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. (MD)

I looked at my report on XX/XX/XXXX, and noticed that some things are incorrect and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. These accounts XXXX XXXX XXXX XXXX & XXXX ) are not complete and accurate And one more thing according to 15 USC 1681s-2 A person shall not furnish any information relating to a consulting any consumer reporting agency it the person knows or has reasonable cause to believe that the information is inaccurate
Consumer complaint received 2021-10-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CREDIT ACCEPTANCE CORPORATION (MS)

I was a co-signer on the loan. This car was for my niece. She had an accident and did not want the car and stopped making the payments. I had no idea any of this happened until the company started calling me. My sister contacted the company and told them to come get the car. They did not go get it. My stepfather took the car back to the dealer and they would not take it. The dealer is now out of business and the car has been in the same spot since. 
It has been almost 4 years and this is still on my credit report and is the ONLY thing blocking me from buying a house.
Consumer complaint received 2024-01-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (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 Number : XXXX Account Name : XXXXXXXX XXXX  Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 2024-01-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

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 Number : XXXX Account Name XXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX XXXX Account XXXX : XXXX has violated my rights. Or list of inquiries 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 2024-02-28
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. (FL)

In accordance with the Fair Credit Reporting Act, this creditor has violated my right under 15 USC 1681 section 6 0 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( It also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a open credit card account under an open end consumer credit plan as late for any purpose. 

XX/XX/2023 {$490.00} XXXX 2023 {$490.00}