davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO. (OH)

I recently deposited two checks from the same company into my Chase checking account. The checks were both from a company that Chase partners with to handle retirement/401k accounts. Upon depositing the checks ( which were both for small amounts ) the bill XXXX smaller one was immediately available and the other one was placed on hold for 10 days which they claim will be available tomorrow and they didnt make half of the check available which is what usually happens when check are held. However two payments came out of my account and I was charged two NSFs of {$34.00} for not having the funds when I in fact do but Chase will not make them available. I feel like this company is trying to rob me, the consumer, with unfair banking practices. My account also shows that I have a balance even though they are holding my funds for no reason. Also they are violating 15 USC 1602 ( p ) by having unauthorized use of my credit and issuing me a debit card to which I receive no benefit, I am not even able to access my own money. I tried to handle this issue with Chase and all I was told was how to avoid overdraft fees when I already know plus I have overdraft protection turned off so things should not come out of my account if there are no funds anyway. They also referred me to look at funds availability which does not explain why they have to hold a check for a small amount for so long.
Consumer complaint received 2020-11-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

XX/XX/2020 an unauthorized charge was made on my Bank of America account in XXXX on my ATM debit card. The bank has not requested a signed receipt from the merchant and is denying my dispute claim. I have requested proof of an authorized or signed purchase i.e. a signed receipt.
Consumer complaint received 2020-07-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I sent TransUnion my written dispute letter on XX/XX/2020. The letter was sent certified with tracking in which it shows that they received it on XX/XX/2020 ( Tracking # : XXXX ). Today XX/XX/2020, it has been a total of 58 days without a response from them. I sent TransUnion another letter on XX/XX/2020, for the nonresponse. I don't know why it's taking them this long when XXXX  and XXXX  both responded back to me within the 30 days. I have filed a previous complaint but they fixed nothing. Instead, they stated on the followup that the investigation process takes up to 30 days, yet they have failed to do so. I have not received any response from Trans Union in the mail.
Consumer complaint received 2022-01-08
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. (MN)

I have previously disputed with transunion, XXXX and XXXX on XX/XX/2021 regarding certain accounts which I found inaccurate. Up to date, I have recieved no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They're non compliant to FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.
Consumer complaint received 2022-04-26
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: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 an account without my written instructions.
Consumer complaint received 2024-02-09
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credence Resource Management, LLC (VA)

In the beginning of XXXX I got a notification from XXXX XXXX  saying I had a new collection put on my account for over XXXX dollars from XXXX XXXX XXXX and my credit score dropped I dont have XXXX XXXX XXXX I have us cellular but this is not the first time this has happened last year I had to put a fraud alert on XXXX because someone tried to open a credit card account and spelled my name wrong so they investigated and found it was fraud and this is the second time XXXX XXXX  XXXX has popped up because last year I had a account that was opened through XXXX XXXX XXXX last year that was opened and someone done fraud on that and they investigated and took it off my credit account I dont know where my info leaked but I have been going through this for a year and now I have placed another fraud alert on my account but I dont know why they keep using my info even through I have a fraud alert placed on my account and it keeps on effecting my credit but I wa through XXXX XXXX  for XXXX and last year we got letters stating some peoples info had leaked so my info must have because this is my third time having someone open some in my name and messing up my credit score
Consumer complaint received 2022-04-26
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. (IL)

I lost my purse at XXXX 3 years ago. I had utility bills opened in my name, credit cards, and even loans. I've been trying by myself to get this stuff off my reports. I need help. I was told y'all could help me. Please help me.
Consumer complaint received 2021-05-02
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (SC)

I got divorced and a bank kept me on the loan for my ex-wifes house, even though the divorce attorney said I am not responsible for this loan any more. She was in a transaction of selling her house and in the process was late on payment, while she waited for the transaction to close. So all 3 credit reports of mine showed up as I paid a mortgage late. My divorce papers show Im not responsible, and the home is paid off and sold now, yet my credit score has dropped considerably, by one late payment while the selling of this home was happening. I need help.
Consumer complaint received 2022-03-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rausch Sturm LLP (WI)

A third-party debt collector purchased a debt that doesn't belong to me. I notified them that it was not my debt and I disputed it. On XX/XX/XXXX, the company filed a suit against me in the state of Wisconsin for the amount of {$17000.00}. The company claims to represent the original creditor, yet has provided no contract, or affiliation agreement showing proof of this claim. The company has also failed to provide me with a contract containing my signature, which they claim to have. On two separate occasions, on XX/XX/XXXX, and XX/XX/XXXX, both via certified mail, I've requested this contract. I am now going through litigation and court proceedings as a result.
Consumer complaint received 2021-08-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

My name is XXXX XXXX and I deposited a payroll work check the date I got paid in the amount of {$1000.00}. Bank of America automatically placed a hold on my account which I understand because the first payroll check got returned. But not this time the XXXX XXXX XXXX ( which is my employers bank ) has already given XXXX XXXX XXXXXXXX the funds from the amount of the check and there is still a hold on my account. They won't and haven't released the funds to me for which they already have gotten the funds from the sending bank and I am in need of the funds because I need to pay my bills and rent before I'm put out into streets and homeless. The date is XXXX XXXX from mobile check deposit in amount of {$1000.00} and the employer is XXXX XXXX XXXX XXXX XXXX XXXX XXXX. They have put the hold on until XX/XX/2021 at XXXX XXXX. they still won't release the money to me even though they have the funds and the check will be cleared
Consumer complaint received 2021-08-22
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. (PA)

I finally looked into my credit and saw a collections from XXXX XXXX XXXX XXXX  Which is fraudulent and erroneous because I've never contracted with that company ever. 

Remove/Delete Pursuant to the FCRA & the FDCPA I now exercise my lawful right to question the validity of this debt your agency claims has come due. 
Fair Credit Reporting Act 5 609 Disclosures to consumers : ( c ) ( 2 ) ( E consumer reporting agency is not required to remove accurate derogatory information from a consumers file, unless the information is outdated under section 605 or can not be verified. 
Fair Credit t Reporting Acts 611 ( a ) 1 ( A ) Procedure in case of disputed accuracy : Reinvestigation of Disputed Information ( ) Reinvestigation Required n general Subject to subsection ( f ), f the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is dispute by e consumer and the consumer notifies the agency directly. or indirectly through a reseller, of such dispute the agency shall, free of charge. conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information. or delete the item from the File in ( 5 ), before the end of the 30-day Period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
Fair Debt Collection Practices Act section 8o ). Validation of debts : [ b ) If the consumer notifies the debt co writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of
Consumer complaint received 2021-05-02
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 — Problem with personal statement of dispute
Company: The Best Service Co.,Inc (NM)

XXXX  is reporting that I am affected by any natural or declared disaster. I have asked that this statement be removed from my account. 

I have asked for my own personal statement be added to the credit report XXXX  has refused. 

I have asked XXXX  for the documentation of investigations into disputed accounts reported. XXXX has refused. I have not received any information or documentation on how disputes were conducted and how the results were determined. 

I am not and have not asked for a reinvestigation or investigation of any kind on any account in the credit report by XXXX. This is an ongoing and continuous refusal of XXXX  to provide requested information and add personal statement. 

XXXX The Best Service company is wrong for reporting affected by natual disaster- I have contested this account on credit report for over 3 years. I do not owe The Best Service Company or the alleged originator of the collection. This statement constitutes fraud in reporting. )
Consumer complaint received 2020-08-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX XXXX XXXX {$320.00} XXXX XXXX {$90.00} XXXX XXXX XXXX {$220.00} XXXX XXXX XXXX  XXXX {$210.00} XXXX XXXX XXXX  XXXX {$2200.00}
Consumer complaint received 2019-06-05
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. (CA)

This is a situation that transformed at Chase Bank. Unfortunately, on XX/XX/2019 some recurring charges came in to my account and made my account insufficient so, Chase charged my account {$34.00} Twice. On XX/XX/2019 same situation took place and Chase charged my account another {$34.00} Twice. On XX/XX/2019 some transaction took place and put my account into a negative and Chase charged my account {$34.00}. The rest is as follow : XX/XX/2019 {$34.00} - XX/XX/2019 {$34.00} ( Three Times ). On XX/XX/2019 {$34.00} ( Three Times ). On XX/XX/2019 {$34.00} ( Three Times ).  The total of all the insufficient fund fees Total ( {$510.00} ). So all these excessive charges are done in less than a month. Unfortunately we all fall into a situation like this due to delay in deposited funds or hold that Chase places on checks or just simple oversight. I believe Chase should have a ceiling on how much they can charge in a period. I consulted with Chase bankers and they would not help. I am on fixed income and the funds that they confiscated is 50 % of my social security check. If all this deductions are not deducted from the account, there will be NO insufficient funds. for recurring charge of {$10.00} insufficient fund, Chase charges {$34.00} and so on and so forth. Chase should be more cooperative and understanding and not to excessively charge client account in this difficult and bad economy. I am on a fixed income and charging me {$510.00} for fees in one month is ridiculously absurd. I need your help in rectifying this issue with Chase and stop chase from overcharging the public. We are working hard to survive and pay our bills and not unethically to be given to Chase. I am on top my account and finances and usually if this issue repeated, I always add more funds to my account as needed. Thank you
Consumer complaint received 2021-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE STOLE MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I am writing to request and initiate a formal complaint against XXXX, XXXX  and Experian CRAS. On XX/XX/2021, I mailed XXXX, XXXX  and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2021-01-24
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (CA)

Ive spent 6+ letters to the bureaus to correct late payments, information on my credit report and to open disputes on inquiries and accounts and nothing on my credit report has updated or shown an open dispute
Consumer complaint received 2019-06-05
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: WELLS FARGO & COMPANY (FL)

I have been trying to work on the fraud that occurred on my account in 2018. I have a credit card that has {$0.00} fraud liability and the company keeps insisting that I was responsible for the charges. 

I have been in contact with XXXX XXXX Research & Remediation Analyst, Executive Office for Wells Fargo. After many phone calls with XXXX, she was finally able to obtain some of the receipts from the many that were disputed. Of these receipts, there are more than 4 signatures that are radically different from how I sign all of my purchases. 

XXXX sent this back to the Fraud department for reconsideration and they have now ( twice ) just closed the case without reviewing the evidence and state that I must provide new evidence. 

I have given them the copies of the receipts showing that the signatures are radically different, including the fact that during two of the transactions that times were provided for, I was at work approximately 35 miles away from the location. 

The company has since and repeatedly put negative credit information on my credit report and has effectively ruined my credit because of this, causing my purchases of cars to increase from 2.54 % APR to over 12 % for the past two vehicles that I have purchased in the past year because they are not willing to honor their {$0.00} fraud liability contract that they have with me.
Consumer complaint received 2019-06-05
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 — Problem with personal statement of dispute
Company: FORD MOTOR CREDIT CO. (MD)

I have disputed this account for over six months keep getting the same answer, I don't understand how they can verify it with the Burea but when I called they had know information on the account, ... I was never late XX/XX/2016, and how is there a monthly payment of XXXX on a closed account ... im requesting a deletion of this account..
Consumer complaint received 2019-06-05
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (CO)

Hi, Experian is showing I have 4 years and 9 months of credit history. This information is inaccurate as I have more than 20 years of credit history with home and car loans and credit cards.

I am Under Contract for a home and because of this inaccuracy, I am not in the Excellent category for lending terms.

I have no derogatory marks on my credit and no other debit than a mortgage.

I have called Experian on the following dates and times to have this issue resolved : XX/XX/XXXX at XXXX XXXX.

XX/XX/XXXX at XXXX XXXX

XX/XX/XXXX at XXXX XXXX

XX/XX/XXXX at XXXX XXXX

XX/XX/XXXX at XXXX XXXX ***The total time spent on the phone is over 3 hours.

The first time I called I spoke to an agent by the name of XXXX who told me " my Experian file was corrupted '' and that he had never seen this in a file before. He said it would take 3-5 business days to resolve and my the Reference Number for my case is # XXXX.

I spoke to a Supervisor by the name of XXXX  today at XXXX XXXX. After I was told again the " department '' who handles this error still has not reported back to them, I asked to speak to his supervisor. He said he would not transfer me to anyone else and after I insisted on speaking to his supervisor, he hung up on me.

I am supposed to close on my home loan in 30 days. I have relayed this information to Experian on every call so they understand the urgency of this matter but I am not getting any resolution.

I know your process can take up to 60 days to resolve. Is there any way to expedite this case given my timeline to purchase this home? If I don't have this corrected, I will suffer for 30 years with a mortgage interest rate above what I should have so time is truly of the essence.

Many thanks in advance for your help.

Kindly, XXXX
Consumer complaint received 2022-09-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

XXXX XX/XX/XXXX. I contact an ad on XXXX to rent a place for XXXX XXXX I was emailing the person about the home. He were telling me to hold the place I had to put a deposit of XXXX XXXX I sent the deposit and I said it will take three days to clear. The owner told me to cancel and retry it because its supposed to go through instantly. So I tried it twice. The last time trying to send it. He stated it would be ok to process it for the three days. A day after his number was no longer working. I contacted my bank and reported it and open a claim. Capitalone stated they denied the claim because XXXX didnt find it fraud when it really was a scam.
Consumer complaint received 2022-03-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Upon recently viewing my consumer report I noticed many inaccuracies. On XX/XX/2022, I XXXX XXXX sent via certified mail to XXXX, Transunion and XXXX letters asking them to please delete all old and previous items from my personal history for fear of identity theft and to remove all old employment and education history. 

I've only received a positive response from XXXX, who removed the old information and used the current information I provided. I feel like I'm being taken advantage of, and my disputes ignored by Transunion and XXXX. 

FCRA 611 ( a ) clearly states failure to investigate the items within 30 days give reason to immediately delete the items from my consumer report. Its my right as a consumer to have proper, current information on my report.

I demand old, irrelevant personal information be deleted immediately, or I will file for litigation due to the stress Ive undergone for fear that my information may fall into the hands of the wrong person creating further XXXX.
Consumer complaint received 2022-09-16
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. (TX)

When someone tries to access my Equifax report it is either blank or has someone elses name. I am being told i have two credit files. When I call Equifax I am given the run around. When I access my report via their site it is blank. I am being denied housing and loans.