davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY (MD)

Wells Fargo is charging excessive fees, overdraft fees, also they are stealing funds from my account by paying off the bills, the date I make transaction is paid, they wait until a week later then post it, and explained to me that it didnt post yet, and they charge me again then erased the charges, some kind of way, and charge me overdraft a week later, they have been doing this since I had this account opened, ,also money has been taking out my fraudently,, I just want to acknowledge this, and want this to be aware, Wells Fargo has not learned their lesson,,
Consumer complaint received 2019-10-25
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (PA)

I'm having 3 issues with this card. 1 ) I recently changed my telephone number from XXXX XXXX to XXXX XXXX. I was not able to change it myself while logged into my account because the system asked to send a code to the old number to confirm my identify, so I contacted customer services, who changed it for me. 2 ) But I still need to edit my profile to change the misspelling of my name from XXXX XXXX XXXX, to XXXX XXXX XXXX. I tried to correct it myself, but the system is still asking to send a code to the old number, not the new number. I logged out and logged in again, and the same thing happens. The customer service rep says it's a problem for everyone and she has no idea when tech support will correct the issue. I explained to her that a name misspelled is a serious problem because it affects information provided to the credit bureaus. 3 ) I enrolled in e-statements in XX/XX/XXXX, when the bank changed from XXXX to Synchrony. As of today, there are no statements online for me to view. The same rep tells me that I have to wait until XX/XX/XXXX to view an online statement, and it will only be that month 's statement. The previous 3 statements won't be online because of the transition from one bank to another.
Consumer complaint received 2020-11-18
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)

I am a victim of identity theft and Ive been trying to remove for months now and Items on my report still remain after several attempts. According to my research and attorney consultations they are in multiple violation of the fair credit reporting act and need to resolve this immediately.
Consumer complaint received 2021-09-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (FL)

An erroneous electric payment in the amount of {$3600.00} was made in XXXX to my Citi Master Card from my XXXX bank account. I did not authorize this payment and notified the credit card company of the error. I explained that this error had created a dire situation for me by causing my bank account to be overdrawn and incur overdraft fees and that I was also unable to withdraw any cash. On XXXX XXXX, I was assured via a telephone conversation with a Citi representative that the funds would be returned to my bank account on an expedited basis. To date, those funds have not been returned and Citi is unable to advise me of a date on which the funds will be returned. I was advised that it was not possible for me to speak with anyone who had the authority to actually expedite this matter or even advise me as to when the funds would be returned to my account. 
To be clear, Citi was never entitled to this money and has no right to hold my funds for weeks on some pretense of performing some sort of investigation. 
Thank you for your attention. XXXX XXXX XXXX
Consumer complaint received 2021-06-09
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)

On XX/XX/2021 I disputed an account with the credit bureau The account information came back as verified and I have requested proof of verification and not received it. 

The account does not belong to me and if they have information where someone has been allowed an account in my name I need to be provided with the documentation so that I may pursue further action.
Consumer complaint received 2022-04-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO. (TX)

Chase Bank REFUSES to use my cell phone to send a One Time Passcode ( OTP ) to my cell phone, STRICTLY because my cell phone is under the same account as my WHOLLY OWNED SMALL BUSINESS, WOMAN OWNED entity. They say they can ONLY text me if I own my own phone and it is in my own name. This is pure discrimination against women, small business owners, and minorities. The agent specifically told me, I had to have a phone listed under my social security number in order for Chase to use my cell phone. 

However, my ADDRESS listed with Chase IS MY BUSINESS ADDRESS! The address with my XXXX Business Account IS MY BUSINESS ADDRESS! So, that matches! Chase is not saying, I need to have my own address. My email contains the name of my company. Literally, everything SCREAMS my company name, and they are ok with it, except my cellphone. XXXX.
Consumer complaint received 2020-10-18
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. (TX)

I have disputed and submitted multiple complaints about XXXX XXXX inaccurate information on my credit report. XXXX XXXX is in blatant violation of the FCRA. They are reporting an account that has been charged off as an open account with late payments. XXXX XXXX has also deceptively changed the reporting history in this account and upon investigation keeps sending false information to the credit bureaus. It is plain to see XXXX XXXX are reporting 120 and 180 day late payments. The record also reflects there has been no payment om this account for 4 years. Which means 120 and 180 day late on my credit reports is inaccurate information and against the law. I have tried to resolve this many times with no resolution. By law per FCRA XXXX XXXX and Credit Bureaus must report accurately. They knowingly have not and thus continue to affect my credit and my life in a negative way. This information must be corrected to report accurately or I will be forced to take legal action against XXXX XXXX, XXXX, Transunion and XXXX.
Consumer complaint received 2021-06-09
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. (NJ)

I submitted my FTC complaint to Experian informing them of accounts that were not mine. Along with the FTC complaint I submitted supporting documents such as my ID and social. I have been informing Experian for months that they legally must remove the fraudulent accounts but they still continue to report the accounts. By law, I have the right to instruct what I want reporting on my consumer report 15 USC 1681b- permissible purposes of consumer reports, any consumer reporting agency may furnish a consumer report under the following circumstances and no other - ( 2 ) in accordance with the written instructions of the consumer to whom it relates. 
These accounts are NOT mine, they are fraudulent ( I have submitted multiple FTC reports ), and they must be removed from my credit report and file : XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian sent an update after I submitted my written request dated XX/XX/2021, with them updating information on the XXXX account ( XXXX ) but not deleting it. It is now reporting as a charge off. Experian is breaking the law and ignoring, 1. My FTC complaint 2. Furnishing a report without my written consent.
Consumer complaint received 2021-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: SYNCHRONY FINANCIAL (GA)

On XX/XX/XXXX, and XX/XX/XXXX, Synchrony Bank reported two Time-Barred entries to XXXX and XXXX Credit Bureaus. Neither entry was reported with an account number or payment history and both entries are reporting incorrect " Last Date of Payment '' dates. They reported 2 old accts to XXXX  and 1 old acct to XXXX. 

The first one identified as Synchrony Networks is a HH Gregg account. Synchrony reported it to XXXX and XXXX. I purchased a TV fin XXXX ( see attached receipt ). My credit limit was {XXXX} and I paid the TV off in XX/XX/XXXX ( 13 months ) never late no missed payments. HH Gregg was running an interest-free promotion until XX/XX/XXXX. Synchrony is reporting to XXXX that the last payment date was XX/XX/XXXX, credit limit of XXXX}, high credit of XXXX}, months reviewed 99. ALL INFO IS WRONG! They reported it to XXXX on XX/XX/XXXX, which was 10 years later and it will remain on my XXXX credit report until XX/XX/XXXX, which will be 17 years from the last payment and activity date. They reported the same acct to XXXX under acct # XXXX with XXXX} credit limit and high balance of {XXXX}. They did not report the date of last payment, date of last activity, or payment history. They reported it to XXXX on XX/XX/XXXX, this was 7 years after I paid the acct off. XXXX should have REMOVED it XX/XX/XXXX, yet it remains on my credit report 15 years later and I have no idea how long it will remain on my XXXX credit report. 

The second one identified as Syncb/XXXX XXXX was reported to XXXX only. This was a XXXX credit card that I opened in XX/XX/XXXX for repairs to my XXXX XXXX XXXX ; it was a 90-day same as cash promotion and I paid it off in XX/XX/XXXX and DID NOT use the card again. Synchrony They are reporting an XXXX} credit limit and XXXX} high credit which is correct, and a Date of Last Payment XX/XX/XXXX which is WRONG. I DID NOT make a payment on XX/XX/XXXX nor did it take me 2 years and 4 months to pay off {$370.00}. They reported it to XXXX on XX/XX/XXXX, this was 11 years after I paid off the account. This acct is TIME-BARRED from being reported for both the dates - 11 years after I paid it off and 9 years after the date of last payment Synchrony is reporting. It has been on my credit report for 16 years and XXXX will remove it in XX/XX/XXXX which will be 18 years. 

I'm not sure why Synchrony keeps re-aging these 2 XXXX-balance accounts, other than to keep them on my credit report! I have NOT applied for any credit with them in the last 7 years and I WILL NOT apply for credit with them. 

As you can see on the receipt - my credit limit was {XXXX and my highest balance was {XXXX} the date I purchased the TV.
Consumer complaint received 2022-04-30
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc. (TX)

I lived at XXXX XXXX XXXX and was never late on my rent. I am a nurse and at the time was a XXXX instructor for a private school. XXXX XXXX ( which was declared a national disaster ) hit and XXXX was asked to evacuate, which I did. The school I worked for at the time got destroyed by the hurricane and I called XXXX ( the apartment manager ) and explained I did not have a job to come back to. I also asked her to go check my apartment and see if there was damage from the storm. This was a very old hotel that they turned into apartments. She stated there was water damage that resulted from coming in the windows but stated " it was not that bad ''. We discussed my problem and what I should do. Mind you I only had 1-2 months left in my lease. I would never just leave a lease. She stated she had found a women that wanted to take over my lease and reassured me not to worry. I searched for an apartment in XXXX and they sent a form to XXXX to complete to verify I owed nothing. She sent the letter and I moved into my new place. The manager is a very unprofessional person and lied to me and the women moving in. The women changed her mind at the last minute and XXXX was stuck so she has now come up with a bill AFTER she signed and sent a form stating I owed nothing. She is wrong and I would like this removed from my credit ASAP. I have sent pictures of the molded apt and the letter of a XXXX balance multiple times to the credit bureau XXXX and they will not remove it or help me in anyway. Please help d/t this is now affecting me to rent anywhere. This is crazy and makes no sense. I have a letter signed stating I owe nothing. How can she be allowed to do this to me? I have enclosed a release of rental agreement the XXXX apartment in XXXX made me get from XXXX XXXX XXXX stating that I was a good tenet and I did not owe any money to XXXX XXXX XXXX apartments which as you can see was clearly dated after I moved out. I would not have been able to rent another apartment without XXXX sending this. Please notice the move out date of XX/XX/17 and notice the date that XXXX signed and completed this document XX/XX/17 from XXXX stating that I owed no fees whatsoever for any kind or of any violations. She is now coming back saying I owe. Did she falsify a rental agreement or a bill? I sent her an email asking for this after I moved out which is dated XX/XX/17 to my new apartment complex. Please review this and help me finally resolve this.
Consumer complaint received 2020-01-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

XXXX XXXX XXXX  XXXX on XX/XX/19 showed up on Inquiries in which I did not apply for any new credit or request any credit increase. I did not authorize any credit request.
Consumer complaint received 2020-01-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

XXXX  XXXX XXXX  0n XX/XX/19 has an Inquiries on my credit files in which I did not apply for any new credit or ask for any increase in credit.
Consumer complaint received 2022-01-12
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (CA)

Coinbase and XXXX I have reached out to coinable because they locked my account with {$5000.00} in there. I also have deposited over {$200000.00} into the account and transferred the funds from Coinbase to a FRAUDULENT XXXX XXXX. The {$200000.00} was transferred over time and Coinbase will not assist in tracking these assets. I have also used XXXX to Deposit over {$200000.00} and transfer to a FRAUDULENT XXXX XXXX. XXXX has not contacted me from the email I sent them in regards to this ... CoinBase told me to verify my ID again, remove my {$5000.00} and never use CoinBase again, this was sent to me by email from their customer service. 

I still have not found someone to track the funds. CoinBase and XXXX are experts in this field and have the ability to assist in tracking these funds but refuse to help after several emails and complaints.
Consumer complaint received 2022-04-30
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (NC)

I received a charge to my bank account from PayPal on XX/XX/XXXX for {$33.00} marked XXXX automatic payment. The shipping address noted in PayPal is XXXX XXXX XXXX XXXX XXXX, NJ XXXX. I dont recognize this address and it sounds made up since XXXX is in California , not New Jersey .

I did not make a purchase from that company this year and do not recognize the charge nor the Shipping Address. I found the charge on XX/XX/XXXX and used the Report a Problem button on the PayPal app to request a refund. I still have not received an acknowledgment or reply from PayPal as of XX/XX/XXXX. On XX/XX/XXXX I called XXXX and was told that the charge was affiliated with an email address that does not belong to me. The merchant said they will process a refund in 25 to 30 days. My complaint is that PayPal allowed a fraudulent transaction on my bank account and does not respond or acknowledge my problem report and 25 days is too long to wait for reimbursement.
Consumer complaint received 2022-04-30
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: JPMORGAN CHASE & CO. (KS)

I wrote a check to my landlord for {$1000.00} in both the legal and numeric lines. Chase proceeded to debit my account {$2000.00}, leaving me in the negative. When I called Chase to fix this issue, Chase transferred me six times, and none of the people I spoke with would credit my account immediately. They told me it would take at least one or two business days, leaving me with no money over the weekend. 

I attempted to escalate this several times but the last individual I spoke with told me it would be at least one or two business days before a manager would speak with me, and then ended the call. 

Chase took the route that is most convenient for themselves, while I am in a hardship they created, all because they dont know how to read a check correctly.
Consumer complaint received 2020-10-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: JPMORGAN CHASE & CO. (CA)

I recently completely paid off my Chase Sapphire card which has a {$11000.00} limit. Immediately after paying the card the limit was decreased to {$7100.00} roughly around XXXX. I have a Chase Freedom card that has had a very low balance of {$750.00} and had a limit of {$4000.00} and the limit has been reduce to what appears to be {$1200.00} around XXXX. I have never EVER missed or paid late on these cards or any credit account I've had in the last five years and take my credit very very seriously. There was absolutely no reason to lower my credit limits which has directly effected my cumulative credit limit amongst all my credit lines and has affected my score. I just opened a {$30000.00} car loan that's always paid on time WITH CHASE!! This is extremely upsetting.
Consumer complaint received 2023-04-04
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. (NJ)

I submitted a letter to the 3 Credit Bureaus to fix these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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Consumer complaint received 2022-04-30
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. (TX)

XXXX XXXX Acct # : XXXX n accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights. 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
Consumer complaint received 2022-04-30
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/XXXX there was a money transfer to an unknown account in the amount of {$470.00} when I logged on the Bank Of America Website a few days later and realized the money was gone out of my account it said edd/unemployment had taken the money out so that was a red flag to me so immediately I canceled the card and I called Bank Of America and that was probably around the XXXX or XXXX of XXXX now fast forward as Im talking to the fraud represenative i happen to be looking at my transactions and now it shows up as a regular atm withdraw so the represenative asked me if i wanted him to make sure the card was canceled and he again would issue out me another card and he would put a rush out on it and i told him that would be fine so im still wainting to hear back results i just received my debit card in the mail 3 days ago even though it was supposed to be here via rushed ups 1-3 business days be because the first one never came and that was only because I had to call bank of america back again because the card never came. So this has not been an easy process.