davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION (TX)

I took out a loan with Credit Acceptance XX/XX/XXXX. In XX/XX/XXXX I was in a car accident with my car. The vehicle was towed to a local auto yard. My insurance had lapsed, so the repairs were not covered. I contacted Credit Acceptance and explained the situation and turned the vehicle over to them, as I had no way to repair. This should have been a repossession in XXXX. 

The last payment made on this vehicle was XX/XX/XXXX. My loan was paid as agreed until I had my accident. 

Credit Acceptance is continuing to report this account, more than three years after I released the car back as an open account that is XXXX days late. This inaccurate reporting is intended to do maximum damage to my credit, and more than three years later is hindering me from being able to obtain an auto loan from a reputable lender because of my " open past due car loan ''. 

I have tried numerous times to have this corrected and have not been able to get any response. I understand that this account will report negatively, that is my responsibility, but the reporting is inaccurate and this reporting is doing damage to me and my family. I have been unable to secure reliable transportation for my children with this inaccurate credit reporting.
Consumer complaint received 2023-01-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: COMMERCE BANK (UT)

Commerce Bank recently closed a credit card I have had with them for almost a decade without telling me. They did this despite always making regular payments on the card. I am current with this card, yet they closed the account without notice sent to me, and when I log into the online portal for this card, there is no indication whatsoever that this account was closed. They do not provide adequate documentation, notice, or have their website reflect what they do behind the scenes in secrecy.
Consumer complaint received 2023-01-21
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc. (NJ)

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Was notified by the credit bureaus that there was a medical collection on my accounts which posted XX/XX/XXXX. I sent a letter to the collection agency for validation and they sent back a bogus letter saying it was a hospital bill from XXXX. I have not been to the hospital at all. The credit bureaus sent back letters saying it was validated. How can you validate something in less than one week after the postage date of me sending letters. This situation has caused me nothing but stress and anxiety.
Consumer complaint received 2022-10-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (WA)

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 # XXXX, Account Name : XXXX  XXXX # XXXX, Account Name : XXXX XXXX XXXX XXXX XXXX XXXX, Account Name : XXXX XXXX # XXXX, Account Name : Dept of Ed/XXXX # XXXX, Account Name : XXXX XXXX XXXX # XXXX, Account Name XXXX XXXX XXXX # XXXX, Account Name : XXXX  # XXXX, Account Name : XXXX XXXX XXXX XXXX # XXXX XXXX Account Name XXXX XXXX XXXX # XXXX, Account Name : XXXX XXXX XXXX # XXXX, Account Name XXXX XXXX XXXX XXXX XXXX  # XXXX, Account Name : XXXX  # XXXX, Account Name XXXX XXXX XXXX Service # XXXX XXXX U.S.C. 1681 section 602 A. States I have right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : 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 2019-12-11
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ray Klein, Inc. (TX)

Collection Agency ... PROFESSIONAL CREDIT SERVICE
Original Creditor Name ...XXXX XXXX
Date Assigned ...XX/XX/2018
Original Amount Owed ...$XXXX

Received a SIM card which did not work for internet access. So I canceled the service. Once cancelled, I was charge $XXXX  for a service that did not ever work..
Consumer complaint received 2023-01-21
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. (GA)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2023-02-03
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY (PA)

I was a victim of an inside job from wells fargo and my account was wiped clean. I was forced to immediately leave this bank and find another institution. I'm still struggling to this day to try and get back to the dollar amount that I had before this incident
Consumer complaint received 2021-09-29
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CITIZENS FINANCIAL GROUP, INC. (MD)

I was contacted today by Citizens Bank. I have never done business with them, they have no business calling me to ask about a relatives contact information. I was called by XXXX at XXXX. Please advise me of the next step.
Consumer complaint received 2023-01-21
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (MI)

was charged for NOT writing checks. Was told by Wells Fargo people at the XXXX XXXX XXXX FL office there would be no fees involved for having just a simple savings account with them. Being from out of state of FL and a winter resident only, I was trying to get established in the banking community in FL.
Consumer complaint received 2023-01-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (AZ)

I have been a Wells Fargo customer for about 25 years to date. During that period I was charged excessive fees, I applied for loans, applied for credit cards, I was denied each time I applied for a service with this bank, I still have a current checking and savings. Even though I did all my business with Wells Fargo bank they still denied me services. I was provided with a debit card and that was the extent of what I was provided with.
Consumer complaint received 2024-03-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (AZ)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from 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
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.
Consumer complaint received 2023-06-22
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (MI)

I hope that you are able to receive what I had initially describe hope. It was not in vain? It was whole lots I'm hoping that it was forwarded to you. Please let me know thank you chases the main account XXXX. What's needed there and I as the copy of the only thing that I have left? Hope Chase because I lost a lot of stuff in a home fire so I'm really. Working with very little documents thank you
Consumer complaint received 2023-02-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Lockhart, Morris & Montgomery Inc. (OH)

The open dates for are not accurate and the account numbers are invalid. XXXX, never represents or corresponds to approproate account informations. Its been more than 6 months and you have never given me any response to my request to validate the debt and of its origin. I have never given any approval or permission for you to report this account. 

This is a violation of my rights as a consumer. I will be seeking legal assistance due to noncompliance with 15 U.S. Code 1681 ( e ) ( B ) and Metro 2 Compliance Standards, there are multiple deviations, deficiencies, inaccurate information, and unauthorized information listed on my credit report. Please remove these accounts referenced from my credit report.
Consumer complaint received 2023-05-12
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (NJ)

I deposited a check into my business account ( XXXX XXXX XXXX ), chase bank put a hold on it for 7 days, the check cleared and was good. Chase decided to restrict my account due to the fact that they did not have a verified phone number for the company to call and verify the check in their system, even tho the check cleared weeks ago. They claimed that a notice of restriction was sent to me on XX/XX/XXXX, I did not receive no notice until XX/XX/XXXX. I stopped by a local branch and spoke to a branch banker who tried to help me, but the next day on XX/XX/XXXX Chase closed my account claiming that 10 days has past by and I did not resolve the issue. They are holding my money in the amount of {$30000.00} and will not release it to me. They are claiming that they dont have a verified phone number to call and verify the check even tho the check cleared weeks ago. I provided them with a phone number I obtained from calling XXXX for the business, but they keep lying and claiming its not verified in their system. I spoke to multiple supervisors on the following days XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX They all keep lying to me and claims that the phone number is not verified in their system, and each one of them would give me a different story, the are holding XXXX XXXX dollars of my hard earned money and I need help getting my money and reporting JPMorgan Chase for their ways of trying to scam business out if their hard earned money.
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (SC)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX XXXX - Account Number : XXXX XXXX XXXX - Account Number : XXXX
Consumer complaint received 2023-01-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IL)

I am a natural person, a living human being, and I have rights under 15 USC 1681. 
Equifax is govern by 15 USC 1681. And they violated my rights numerous times. I demand the accounts listed below remove because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-09-29
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: JPMORGAN CHASE & CO. (CA)

I XXXX XXXX XXXX XXXX did not consent to, authorize nor benefit from the following account. Block and remove it. The address is different from my physical address. As a consumer my rights are being violated, my reputation has been ruined. Which has impacted my credit in which has impediment me from providing for myself and my family. It has caused me emotional trauma that has hindered me and my family from progressing forward in our lives. They violated Federal Law with 15 USC 1692b ( 5 ), 15 USC 1692b ( 2 ) and 15 USC 1681a ( 4 ) 1692d ( 1 ) 1692b ( 2 ) 1692d ( 5 ) 1692c ( c ) 1692g
Consumer complaint received 2023-01-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

In XX/XX/2022 Bank of America processed a check against my brother 's checking account that actually wasn't his. It was someone else 's account. I am the rep payee on this account because he is not mentally capable of handling his money. I called B of A. It took a few weeks to get this taken care of. I finally received the money back in his account and a letter confirming this. Then today when checking his account I find they processed the same check again. Only this time they actually put a copy of the other person 's cancelled check on my brother 's account. I called B of A again and they said they will credit my brother 's account. My bigger concern is that this can even happen. Names and addresses and account numbers are different and someone should have seen this. Also, I now have all this personal information on a complete stranger. That simply is not okay. I don't know what kind of control you have over this type of incident but there should be some sort of protections not only for my brother but moreover for the man whose information is now my hands.
Consumer complaint received 2019-12-05
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. (UT)

XXXX XXXX is reporting multiple collections with the account numbers # XXXX, # XXXX, # XXXX, # XXXX to my credit that are past the Statute of Limitations in Utah. These collections are fully paid off and should no longer be reporting to my credit, I would like them removed.
Consumer complaint received 2023-01-21
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. (NM)

Experian, XXXX and XXXX XXXX are not responding to any of my requests to investigate, verify and remove accounts from my consumer credit reports in accordance with The Fair Credit Reporting Act.
Consumer complaint received 2023-06-22
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (NJ)

Name : XXXX XXXX XXXX : XXXX *Case ID : XXXX Total Amount : {$1800.00} I contacted PayPal after my account was compromised and funds were stolen ( detailed explanation in the claim notes ). PayPal decided the transactions were unauthorized and the case has been accepted and decided in my favor, however, there is no reversal of the money back to my PayPal balance. 


Update : I contacted PayPal via secure inbox multiple times about not receiving my refund. Each time I was told I was fully refunded which I was not! I responded a bit more stern and was limited shortly after. 

Then I was told that I was not refunded yet because my account was limited and after it it resolved I would be refunded ( which is very weird ). 

I woke up only to find my Paypal account now Permanently limited and a notice saying " you can not use PayPal anymore ''. I have pics of this travesty of a support/dispute team! 

It seems as though PayPal permanently limited my account in order to not reimbursed me. 


I will be writing to my state representative, The Consumer Financial Protection Bureau, The FTC and the Federal Reserve. I will also be speaking with attorneys to go over my legal options including arbitration with XXXX. ** '' Note : They blocked me from messaging via phone, but I was able to send messages via my gaming Console 's browser.
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (PA)

According to the Fair Credit Reporting Act, you are required by federal law to ensure that all details being reported on an account must be 100 % accurate and verifiable and have my full consent to report. Based 15 USC 6802 I was not given proper information on how to opt out per section 1 ( b ) and ( c ). Therefore, I have already contacted the companies to opt out of any current, prior or future reporting. I am now informing your Company that any unauthorized continued reporting will result in legal action. As the accounts which are listed in this letter are my personal information and you DO NOT HAVE MY PERMISSION to report any of it.
Consumer complaint received 2023-01-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (CA)

Thank you for taking the time to read this. 

Background : It is common knowledge that XXXX has now grown to be " too big to fail, '' and the company wields its powers however it wants. Recently and for the first time in my over 20 years of patronage, the company has allowed drivers and workers to steal or " misdeliver '' my packages. This has been going on for about 2 months now, to a tune of about {$2000.00} and counting. Packages are frequently being " delivered '' to an address that either doesn't exist or is being used as some sort of drop off for a theft ring. Sometimes the driver will post a picture of a home that looks nothing like mine and does not exist in my neighborhood. I have spent considerable time writing complaints, starting investigations with XXXX and my credit card company, Chase. Both entities know what is going on. Now, Chase has begun to put me on hold for more than an hour, hang up, and force to me to have to give long accounts of what has transpired with XXXX, despite my previous detailed records having already been submitted. XXXX continues to charge me for products I never received, and I have to explain to them the need for an investigation. Then, I have to explain over and over to Chase what is going on. Chase has an internal mechanism that connects charges to the user 's account in XXXX. They claim that they can not " see '' this information. Furthermore, I am concerned about my own safety as clearly my information is being shared -- my home address is going out to " contract '' drivers whom, according to news sources, are not beholden to the same privacy policies that XXXX drivers are, if they ever were. In short, as I and everyone else continues to track the mass greed and malfeasance of these companies, I am hoping the government will actually put my tax dollars to work. I can not even go to other retailers as XXXX has effectively put everyone out of buisiness in small towns. This is a scourge -- the rise of the Corporation now considered a " person. '' No accountability. Thousands of dollars and hours of time lost. For what? So that I can write these complaints knowing that at least some elderly or disabled person may benefit from my speaking out. I have filed complaints with the CA XXXX XXXX as well. And I am joining groups who are sick and tired of being sick and tired. XXXX is a parasite, eating its own. Chase was there long before. I hope you will help.
Consumer complaint received 2023-01-21
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: U.S. BANCORP (GA)

My small business, Total Care Pediatrics, has a sweep account with U S Bank. The account is mandated by XXXX XXXX, my electronic health record company. 

I had not had a reason to log into my account for between 6 and 9 months. When I tried to log onto the account to looking into a potential issue with not managing the funds as instructed, I was unable to do so. The account was locked. I entered the security questions correctly, but the system said they were wrong.

I was unable to reset the password, despite having the correct credentials, including my entrust data card random key generator.

I called to inquire why I was unable to access my account, I was told that the account is automatically locked, if the account is not accessed at least once every 90 days. I was sent a form to complete, sign, scan, and email back. I did this but still was not given access to my account.

I called back the following day and the representative said I would not be given access to my account for another 72 hours, because they will not process my request. 

I should not have to access my account every 90 days for no reason to access MY money. I should be able to reset the log in credentials as long as I have the security information.