davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-02-10
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO. (CA)

For about 5 years, I banked with Chase through the use of a college checking account. Under this account, I was able to overdraft my account without an overdraft charge as long as I deposited the amount I overused that day by XXXX XXXX. 

This was something I regularly did and avoided being charge as I made sure the money I overspent was in the account by XXXX XXXX  that very same day. I did this for years until my senior year ( XX/XX/XXXX-XX/XX/XXXX) when I began to notice that I was being held responsible for the overdraft fees even though I was honoring the XXXX XXXX ( PST ) deadline as I live in California. 

Whenever I would I try to inquiry why I was receiving these charges I was told that the money was not in the account by the appropriate deadline and was held responsible numerous times for the {$34.00} overdraft fee per transaction. 

Repeatedly, I would attempt to connect with someone who could identify why this was going on but chase would never provided me with further information. It was not until months later, that a supervisor I spoke with was able to identify that the system had changed my time zone from PST to EST. Which is why I was being held accountable for the overdraft fees even though I was honoring the terms of my college checking account. 

Chase refused to refund me the overdraft fees I paid for as this was taking place asides from the ones that had taken place the date the discrepancy was identified. 

I closed my account with Chase in early XX/XX/XXXX due to them constantly taking advantage of me. 

Just this XX/XX/XXXX, I received a check from Chase for {$100.00}. The letter the check came in vaguely explained that I was being refunded for being overcharged. When I called Chase to understand the exact terms of the refund they refused to provide me further information as I do not have an account with them. 

I am reaching out as I suspect that Chase owes me more than {$100.00} for being overcharged while banking with them and would like to attain more information regarding my concerns with the overdraft fees I paid for during this time.
Consumer complaint received 2023-03-23
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Medical Data Systems, Inc. (SC)

i had medicaid at the time of service. I gave the physician my insurance cards and they just didnt run the bill up under the insurance and put it on my credit report without my knowledge and consent thus breaking my HIPAA rights. I did not give permission for my medical info nor bills to be given to anyone outside of the health care providers office.
Consumer complaint received 2018-02-25
Product: Debt collection — Auto debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: United Check Recovery Bureau, Inc. (CA)

I spoke to XXXX XXXX from UC RB on XX/XX/XXXX after he left me a voice message on my cell phone. He told me there was a complaint filed against me to commence legal proceedings. He then requested I make payment arrangements to stop the processing, which I did. On Friday morning of XX/XX/XXXX, I received a phone call from XXXX XXXX at XXXX XXXX I was not able to answer and thought it was odd to call before XXXX XXXX. I then received another call at XXXX XXXX, but I was at work and not able to answer. XXXX XXXX left another voice message on my phone. 
I had my representative call to speak to him and got XXXX XXXX instead. He was told that he was in violation for calling before XXXX XXXX and XXXX XXXX wouldn't allow my Rep to speak, he would interrupt her and even started to use profanity. He was very rude and decided he didn't want to continue to speak to her so he discontinued the call while she was on the line.
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MI)

Experian, Experian Rentbureau, and XXXX  continue to report an alleged eviction and charge off from XXXX XXXX XXXX XXXX which caused me to be denied credit which is my right. These damages caused me housing and furthermore neither company has my consent to report anything about me. XXXX will not respond to my disputes written or in this CFPB portal. It is against the law to release my information without my written consent furthermore you're trespassing upon copyrighted and trademarked property. XXXX states they are sold information from Experian and that is who verified the information but I have received no proof from either that they have submitted for me to validate this debt. Experian, Experian RentBureau, and XXXX is selling my information therefore you need my permission as it is my proprty and I have given no such consent written or verbal. I did not sign up for your companies to report anything about me.
Consumer complaint received 2022-10-15
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 been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraud items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediately! 
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 XXXXXX/XX/XXXX.
Consumer complaint received 2020-02-10
Product: Checking or savings account — Savings account
Issue: Opening an account — Confusing or missing disclosures
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

Hi, On XX/XX/2019, I opened checking and savings accounts with Citizens Bank pursuant to a promotional flier I had received in the mail ( the initial offer code didn't work, so I emailed the bank and received another one ). The flier advertised that if kept {$15000.00} in a new savings account for three months, the bank would give you a {$200.00} bonus. I was opening the account online, so I called Citizens Bank 's customer service line to ensure I was jumping through the proper hoops. They assured me that if I simply opened the account and transferred over {$15000.00} to it, I would be given the {$200.00} bonus once I had kept the money in the account for the required length of time.

Fast forward four months later ( after I had met the required time listed on the flier ), I had still not received the bonus that the promotional offer had promised. I called the  bank again on multiple occasions, and they told me that I had not meant a requirement that the {$15000.00} be used to open the savings account. Because I had initially opened the account without the funds and then proceeded to initiate a transfer from another bank account afterwards, they couldn't give the money. This was a clear violation of what the prior customer service representative had told me, and what the chart on their flier said were the terms of the promotional offer. Reading the fine print, I came to understand how the could interpret the fine print to impose such a requirement, but it was by no means obvious, and the customer service call and basic thrust of their flier had tricked me. I continually tried to explain what had happened over the phone, but the bank 's customer service representatives refused to help.
Consumer complaint received 2020-02-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

Transunion will not remove a ch XXXX bankruptcy that is fraudulently on my report. The date filed is showing XX/XX/XXXX and the date updated is XX/XX/XXXX from the CH XXXX bankruptcy attorney XXXX  XXXX XXXX US Bankruptcy Court. Very frustrating! Tried calling today and a very rude representative absolutely would not remove this public record stating that Transunion did not have any documents on file which is not true. I have been sending them documents since XX/XX/2019. They just would refuse to fix it. I need help. I'm attaching all documents that I can and I would like resolution to this. Its ' very unfair to have a false bankruptcy listed on all my credit reports.
Consumer complaint received 2022-10-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I just received my reinvestigation from Experian via their portal. Report # : XXXX. They said everything was 100 % complete and accurate. I would like to receive the description according to 15 USC 1681i ( 7 ). Because the list of accounts below are not accurate. The open date, close date, date last active, last verified, term length, high balance, and date of last payment is NOT 100 % accurate. 


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 XXXXXXXX They did not modify, or delete, the inaccurate information on my consumer report according to 15 USC 1681i ( 5 ) ( A ) ( i ). I attached a consumer report as evidence.
Consumer complaint received 2023-03-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CNG HOLDINGS INC (DC)

I was a victim of identity theft, and i'm not sure how my credit keeps getting compromised however i need this off of my credit IMMEDIATELY!!! 
I have already filed a police report an a FTC report for this Incident and I've also filed a report with the 3 credit bureaus ( XXXX, XXXX, and also XXXX ) for this account. 

( XXXX XXXX XXXX ) ( Account # XXXX ) ( opened on XXXX XXXX According to the FCRA 605B of congress you'll have to comply with these Regulations of having this collection account closed and removed, and if not, I will be taking ( XXXX XXXX XXXX ) and also ( The three Credit Bureaus ) to court seeking punitive damages of {$1000.00} per occurrence. 

Thank You and I look forward to an instant resolution to this matter.
Consumer complaint received 2024-02-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc. (ME)

XXXX car and home insurance premiums have been payed for several years on autopay from our checking account. When we moved, we kept the old account, and they continued to be paid that way, including the home insurance on the new home. Once our cars ' insurance went to a new XXXX company, it was fine. We don't know why, but the auto withdrawal did not happen in XXXX. They sent a bill in XXXX. It was cleared up, and they got paid via autopay. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Amount : negative XXXX XXXX XXXX dollars and XXXX XXXX cents {$180.00} Details Statement Description : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX ID XXXX Date : XX/XX/XXXX Type : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Amount : negative XXXX XXXX XXXX XXXX dollars and XXXX XXXX cents {$150.00} Details Statement Description : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Type : Debit These are either the car OR home insurance. We know we owe for the one it is not. We called, told them autopay is still OK, but they are not paying THEMSELVES, they are welcome to be paid with autopay. 

It is really kind of silly. 



Received Collection notice dated XXXX  for {$240.00}.
Consumer complaint received 2020-02-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (FL)

Syncrony Bank offers insurance on the balance of your credit card in case of disability or  death the account would be paid in full. 
I filed such a claim and still after Ive sent them my XXXX information and the notes from my XXXX XXXX which has XXXX me it was never enough they wanted me to have the doctor who admitted me to the hospital only that was a long time ago. They have added late fees, interest on top of my credit line and now my credit is ruined. 
They now say I didnt have that coverage but I have my statements that prove I did until the day I filed the claim then they removed it. 
My credit is everything and I dont see why they are allowed to charge someone for something and when they try to use it they say months later they dont have it.
Consumer complaint received 2020-02-10
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (FL)

While working to refinance my mortgage, I checked several companies to find out their rates and serving fees. I followed up with 3 companies ... my original loan provider was XXXX and 2 others I assumed were recommended by my credit union, XXXX XXXX and Amerisave. My understanding was that I would put down a deposit of between {$500.00} and {$450.00} which was refundable if I chose not to go with their company.

Only one company, Amerisave refused to refund my deposit of {$500.00}. They originally told me that I would not have to go through an inspection, since I already had a recent inspection ( less than 3 years ago ). Then another representative the following week called and said I would have to have one. I let them know that I did not want to go through with the loan if it required an inspection. This would make their servicing fees as expensive as the other companies. 

Today XX/XX/2020, I reached out to the agent and was told the {$500.00} was an inspection fee that was nonrefundable, even though I did not go through an inspection. I told the agent I would not be going through with the loan and wanted the {$500.00} returned to my account, he refused. No other company I have worked with has charged me for servicing of a loan I have not gone through with and with no servicing of an inspector.
Consumer complaint received 2020-02-10
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 and XXXX  are reporting incorrectly that I am ( 120 ) days late on the DPT ED/XXXX partial account number ****XXXX. ( Please see page attached from my credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due. This false reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Consumer complaint received 2021-02-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY (NY)

I have been an American Express card member since XXXX  - My card was cancelled recently and their explanation was review of credit report. They did not take my payment history nor usage into consideration - just my score. With the pandemic, shopping has been limited, but that did not matter. i have used my card 3 times so far, to shop online, but that did not weigh with them either. 
i am horrified that they cancelled my good standing account for with this as reason. since i have never made late payments nor had any problem with my account. Credit scores dip and soar ... they fluctuate, but Amex does not care. I am truly horrified at this treatment after all the years I was a loyal good standing customer.
Consumer complaint received 2022-10-15
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. (VA)

I'm submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission : 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 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 2019-02-11
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. (GA)

I have inquiry 1 inquiry from XXXX reporting to my XXXX   report and i I have 2 inquiries from XXXX reporting to my Equifax and 1 inquiry from XXXX XXXX/XXXX. i believe these company are in violation of my consumer right as i have never done business with them before. Please verify the accuracy of these data being furnished to my report and please remove them as soon as possible. Thank you.
Consumer complaint received 2022-10-15
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'm submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission : 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 2023-03-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (IA)

I claimed bankruptcy in XXXX of XXXX. It was discharged in XXXX of XXXX. There was a mortgaged included in bankruptcy that was not reaffirmed, so nothing was to be reported after bankruptcy discharge in XXXX of XXXX. Upon checking my credit report and score, I noticed that Experian is showing it's been 2 years since my last late payment, which is much different than 4 years and can significantly impact my credit score. I knew that was incorrect as I've not had a late payment on anything since bankruptcy. Upon investigating where that came from, they're saying that my mortgage company reported a delinquent payment in XXXX of XXXX. I contacted my mortgage company and the account was " discharged '' to credit bureaus XX/XX/XXXX due to bankruptcy as well as my account being paid in XXXX of XXXX on time even though it can't be reported due to bankruptcy. I have disputed this 3 times with Experian and once with XXXX and XXXX, and even included documentation that the mortgage company gave me stating that there is no delinquent payment in XXXX of XXXX, but Experian is closing my dispute as " remains '' each time due " The company that reported the information has certified to Experian and XXXX that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. '' XXXX has updated and corrected it on their end. 

It should be 4 years and 5 months since my last late payment, not 2 years.
Consumer complaint received 2024-02-05
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: Experian Information Solutions Inc. (IL)

After recently reviewing my credit reports. from the following credit reporting agencies XXXX, XXXX, and Experian I noticed unauthorized credit inquiries. I did NOT authorize the following inquiries listed below. These were not obtained with my consent. Please delete immediately.This is a violation of my rights as consumer as well as identity theft.according to The Privacy Act of 1974 prevents federal agencies from releasing records that contain personally identifiable information without the individual 's written consent. and 15 U.S. Code 1681b - Permissible purposes of consumer reports ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
And i did not give any written consent XXXX XXXX  ; inquiry date ; XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This is a violation of the privacy act of 1974 as well as my rights as a consumer