davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I took a road trip with my friend and we used a friends car that got broken into to and my purse got stolen along with all my personal information, There was a lot of fraud accounts that have been made and have been opened since my belongings have been stolen such as : XXXX XXXX credit card, XXXX XXXX credit card and XXXX XXXX XXXX Credit Card. I also have 12 inquiries on my credit report that I did not authorize such as : XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX and XXXX. My name is also spelled wrong on my credit report its spelled XXXX XXXX
Consumer complaint received 2021-01-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERIS BANCORP (GA)

My auto loan originated with XXXX XXXX, Ameris Bank took over XXXX XXXX  along with my auto loan. My auto loan was reported as closed to all three major credit bureaus when Ameris took over XXXX XXXX, when I called Ameris Bank about not reporting my loan to credit bureaus they indicated that it takes time for loan to be updated and reported to all three major credit bureaus. It has been over 9 months since my auto loan was reported as closed to all three major credit bureaus, since then my auto loan has only been updated as opened with XXXX. I have called Ameris Bank customer care over 9 months and every month I call I get a different answer. Most times I am told that my auto loan will appear next month with XXXX  and XXXX, but that has not happen. I would like for my active auto loan with Ameris Bank to be reported as current along with my payment history to all three major credit bureaus. 

Ameris Bank attempted to correct the issue with my XXXX  credit report which now shows my auto loan, but now Ameris Bank has created another problem by updating my XXXX credit report to show my auto loan as closed, again.
Consumer complaint received 2022-04-15
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Arcadia Holdings, LLC (NY)

Debt collector, Arcadia Recovery Bureau , LLC, is attempting to collect from me an amount I do not owe of {$840.00}. The creditor is with a medical service provider, XXXX XXXX. They originally contacted me by letter on XX/XX/2022, with reference number XXXX. I responded to them in writing on XX/XX/XXXX, informing them that, a. ) I had already paid XXXX XXXX this amount, and b. ) that I therefore do not owe the debt, and c. ) to cease all communications with me. I also furnished a receipt from XXXX XXXX of the amount noted above, along with a print out of the transaction details from my credit card. 

Arcadia contacted me again about this debt by letter on XX/XX/XXXX, with the same amount and under the same reference number. Per my original communication with them, I would like them to cease contacting me and to remedy any credit reporting they have made in connection with this matter.
Consumer complaint received 2021-01-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CarMax, Inc. (GA)

My car loan was paid off in full. Instead of it reflecting that Carmax only put XXXX balance instead of showing my car was paid off this lowered my credit and cause due harm of negative marketing as well as lowered scores which cause me not to get approval for other car loans.
Consumer complaint received 2021-01-03
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. (NY)

When looking at my credit report, I noticed some fraudulent accounts and hard inquiries. I contacted the Federal Trade Commission and received a report from them. Please block and remove the accounts and hard inquiries from my credit report. I have attached my Identity along with all supporting documents as well.
Consumer complaint received 2022-07-04
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 XXXX  Account # XXXX ( XXXX XXXXXXXX ), Account # XXXX ( XXXX XXXX XXXX ) and Account # XXXX ( XXXX 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 2021-01-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

On XX/XX/XXXX my XXXX/ XXXX  mortgage account number XXXX was refinanced. On XX/XX/XXXX my refinancing company, the closing agent, sent full payment of {$190000.00} to pay off my loan with XXXX. Two weeks later XXXX sent me my escrow check so I thought everything was well. A couple of days later I started to receive mails that I was late on my mortgage mind you I have never been late. I contacted XXXX  XXXX and their representatives told me that my loan was paid in full and that all was well. However the mails about missed payment kept coming. I call XXXX  again and they said maybe that mail was sent before the loan was marked pay off. Now the mails did not stop now they reported miss payments to the credit bureaus decreasing my credit score dramatically down 101 points. I called XXXX and the representative then told me well I see your account pay off but they charged you a late fee of {$35.00}, then she said Ill transfer you to another department. Once transferred I spoke to a man, name XXXX. He looked into it and said he filed a dispute about the false reporting and instructed me to email CBR dispute about the situation and that they would fix it. He also advised me to file a dispute with the credit bureaus which I did. 3 weeks later XXXX reported my account as closed to XXXX  however with a balance of {$190000.00}. They also reported that false information to Equifax. I have proof of the wire transfer to XXXX on XX/XX/XXXX paying off my loan in full. However they keep reporting these false reporting to my credit and ruining my good credit scrore that I have worked hard to keep. When I call them they say one thing and then they report these false report to the bureaus. I also have proof of emails that I have sent to XXXX with no response. I do not know why they are reporting these false reporting of late payments when My account was paid in full.
Consumer complaint received 2022-08-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HW Holding, Inc (MS)

Someone applied for me and my mom 's name for a apartment we didn't even have any knowledge that our information was used to get a apartment and we were charged {$480.00} on XX/XX/2020 then they charged us {$550.00} on XXXX XXXX without even knowing why we were charged from the company in the first place. And each month we contacted the company about it and all they did was charge us more money each time even when we explained the problem to them.
Consumer complaint received 2021-01-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (NY)

I was added as an authorized user on someones account with Home Depot in XXXX for one month and then, I told them to remove me as an authorized user from their account after a month. Home Depot has still been reporting me as an active authorized user on the account after I had the primary account holder, remove me from the account th account should be reporting closed on my credit report. But it is still showing open on my credit report even after I contacted Home Depot with the primary account holder to check if I was actually removed from the account. The representative at Home Depot said that I had been removed for months and that the account would not show up on my account for the XXXX statement. But the XXXX statement has been reported to the credit bureau and it shows that the account is still open on my credit report as an authorized user, which is affecting my credit because of the high utilization of the primary account holder.
Consumer complaint received 2021-01-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: STERLING JEWELERS, INC. (FL)

I am currently receiving debt collection letters and have a false negative collection report on my credit report filed by XXXX XXXX XXXX. XXXX  is claiming that I owe a debt from Sterling Jewelers ( Jared Jewelers ) in the amount of {$7700.00} dating back to XX/XX/2014. My identity was stolen back in XXXX. Sterling Jewelers, after investigating the charge on my account, determined that I was in fact the victim of fraud and that the debt was being cleared from my account. I possess a letter from Sterling Jewelers dated XX/XX/2014 stating that the fraudulent information would be deleted from my credit report and that the updated information would be reported to XXXX, XXXX and XXXX XXXX credit bureaus. This matter was closed six years ago and I am STILL suffering consequences.
Consumer complaint received 2022-10-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I really dont know how it really got to this point Im get upset anyone would do this ever. Personally all I know is someone has been using my personal information opening up account under my name for about Im guessing 2 years now.. I just turned XXXX years old, graduated last year and when I recently learned XXXX it I had seen someone had been using my information and all. Someone opened up XXXX XXXX XXXX, XXXX, and a XXXX  XXXX. A collection debt also is on my credit report which I have no idea what that even is or how it got there as well with XXXX inquiries with accounts I am not even familiar with ( XXXX ) XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX.
Consumer complaint received 2021-08-17
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: EQUIFAX, INC. (NC)

On XX/XX/XXXX I went to XXXX XXXX in response to a solicitation. I did not purchase a vehicle. I was advised by the agent she needed my social security number to verify my address and I received an alert from XXXX. I requested a letter to dispute as I did not authorize a hard pull. We decided to accept an offer they gave us but confirmed that they would only run my credit through XXXX XXXX XXXX XXXX to get the cash back and apr they were offering. The next day I was alerted that they ran my credit through the following companies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX I did advise that I am only consenting to SETF as I do have an approval from my bank and do not want all those inquiries. 

This was done without my consent by the sales agent.
Consumer complaint received 2021-08-17
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc (OR)

This complaint is regarding CHIME Online banking, the freezing of my account, the failure to communicate, and the most egregious not returning my money when I asked for my account to be closed. 

Friday XX/XX/21 I received three automated e-mail about unusual activity and that I needed to send all my personal documents via e-mail to them. 

I was traveling that week, they froze my account. 

Friday XX/XX/21 I uncomfortably sent all these documents and personal information via e-mail. 
-received an automated e-mail saying basically " not good enough '' I send another e-mail with better pictures of these documents. 
-received an automated e-mail again Saturday XX/XX/21 I send them a reply with more documents INCLUDING me having to send a picture of myself holding my passport Meanwhile NOT ANSWERING any of my many questions, just automated e-mail after another. I don't think I have ever felt this ignored and disrespected in my life. 

A few more automated e-mails requesting my documents then finally they sent an e-mail saying because I didn't comply they were closing my ticket, and if I wanted them to unfreeze my account I'd have to open a new ticket requesting assistance ARE YOU KIDDING ME? 

-Finally I sent them an e-mail that Sunday requesting that they return my money and close my account, tired of being treated like trash and not being able to access my money. 

-It 's Tuesday night and after a few e-mails asking for the return of my money and closing of my account they haven't replied with a single e-mail.
Consumer complaint received 2022-09-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (FL)

Today, XX/XX/2022 I deposited a {$1800.00} check to my daughter 's checking account at Wells Fargo in XXXX, XXXX. I am the payor. The check was drawn on my credit union checking account at XXXX XXXX XXXX in XXXX, XXXX. My daughter has been a customer of Wells Fargo for 15 plus years. Her checking account, of which i am joint owner, has always been in good standing. During the deposit transaction, the teller informed me that there would be a 7 day business hold making only {$220.00} immediately available. As I was depositing a local check, the length of the hold surprised me. Upon questioning of the hold, the teller informed me the automated system placed the hold with a message " doubtful for collection ''. As the check was drawn on my credit union account and i was the payor, I was perplexed. I now questioned the teller and a member of management who could not offer any further explanation simply repeating the automated system assigned the hold with the message " doubtful for collection ''. I proceeded with the transaction and accepted the hold. I left the bank and went directly to my credit union to ascertain if there was some problem with my credit union checking account. I was told there was no problem with my account. It was in good standing and personnel offered no explanation as to the cause of Wells Fargo 's automated system considering my deposited check " doubtful for collection ''. I left the credit union and decided to visit another branch location of Wells Fargo to hopefully obtain additional information. I explained the situation and was informed the transaction would have been handled the same at that branch. I was further informed that no Wells Fargo employee or member of management could override the automated hold system. I was told to do so could result in termination. As my daughter is a long-time customer of Wells Fargo XXXX XXXX ... .her accounts have always been in good standing ... ... ... and her checking account balance greatly exceeded many, many times over the amount of the check ... ... .I found this policy, that manual overrides could not be made by employees or management, to be asinine. Given the prior consumer violations and fines levied on Wells Fargo, I have to question if the 7-day hold placed on my local deposit to be intentional and a possible violation of federal law and Reg CC. In placing a 7 day hold instead of a local hold of 2 days, the bank has additional time for the check to clear and lessen the risk of potential loss. If the bank is placing an excessive hold on my deposit in violation, I believe, of Reg CC, they are doing the same thing to many, many others. Truthfully, it would make sense to extend the check hold to lesson the risk of loss. But, as i said, in doing so, I believe the bank is violating federal law.
Consumer complaint received 2021-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Lending Club Corp (WA)

We have called several times the company directly to try and fix the information being reported to the credit but each time we tried to work with them the problem got worse and it seemed they were just un-willing to work with me to fix it. I have been working on this for the last 3 months to see what i could do to resolve any issues that existed including making additional payments if necessary to fix it. But no co-operation from them.
Consumer complaint received 2018-02-21
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: KEYCORP (FL)

I am being overcharged by my bank for overdraft fees. Key Bank is the culprit. Unfortunately over the past year I've had several occurances of overdraft fees some where my fault while others where not. This month on XX/XX/XXXX I had XXXX paid for my phone bill which caused an overdraft fee of XXXX XXXX Then today XX/XX/XXXX I had another bill come out for XXXX and was charged not only another overdraft fee if XXXX $ plus a fee of XXXX $ for a recurring overdraft. That's XXXX $ in fees on bills totalling XXXX $!! These fees are not only predatory and excessive but should be illegal. If these fees are allowed by current banking regulations this has to stop! Seven months ago in XXXX I was charged XXXX $ for an XXXX cents overdraft! My bank has the discretion to either pay these bills or not. When they know my direct deposit history they know they'll get their money.
Consumer complaint received 2022-10-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: DISCOVER BANK (KY)

Was notified that a credit application was put in to Discover financial services for a credit card. I called when I found this out and had the account canceled and closed this happened on XX/XX/XXXX and I found out about it on XX/XX/XXXX as well. I called to cancel everything XX/XX/XXXX, then I received the credit card and mail XX/XX/XXXX. The credit limit on the card says {$7500.00} just wanting to file a report so I can have it in my records. I have my credit file locked and did put out a fraud alert on my account. The person that put in the application used a fake email.
Consumer complaint received 2022-08-10
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. (CA)

When I investigated my credit report, I realized that some of the information was erroneous. The Equifax credit bureau is required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account/items information below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX XXXX XXXX  XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX, XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2020-04-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (GA)

I booked a cruise in XX/XX/2020. Because of Covid19, the cruise was canceled and we were given the option for a full refund and I took that option. On XX/XX/XXXX, the cruiseline sent me an email that they processed a complete and full refund. 

In checking with my credit card company, I didn't see the credit so I asked that I put those amounts in dispute. In the meantime, I checked online and there was a credit all of a sudden showing on my account. I called Chase ( my credit card company ) and in a discussion, I had thought the credit showing was my dispute but as it turns out it was the cruise line giving me the credit, which was apparently given on XX/XX/XXXX but you couldn't tell from looking online that it came from the cruise line and it had a date in early XXXX yet Chase told me they got my money on XX/XX/XXXX. 

On XX/XX/2020, I called Chase, spoke with a XXXX and asked that my negative credit balance be sent to me in a check. I explained that I needed to have my money back as I didn't have a " trip '' and since it was credited back to me, I wanted a check. I also advised that I wouldn't use my card anymore till this was resolved. On XXXX XXXX told me that it could take 7 to 10 business days for Chase to send me a check. 

I called Chase again end of week around XX/XX/XXXX to see if there was any progress. At that time the representative told me they received my request for a refund on XX/XX/XXXX, which was 5 business days after I requested it. I was beside myself so I asked for a supervisor to call me. On Monday, XX/XX/XXXX, I received a call from a SUPPOSED Chase supervisor telling me not to worry that the check was already in the mail and had been mailed. 

Late on XX/XX/XXXX, I called to see what the status of the check was. I know it was not mailed because when I check online, it shows still a negative balance on my account of {$2200.00}. If they had mailed a check it would show XXXX. I got another representative on the line that said they received my request on XX/XX/XXXX and they are working on getting me a refund check. 

Now the day before, I was told by their supervisor that it was mailed. On XX/XX/XXXX, I was told it would take a maximum of 10 business days to mail a check which would have been on XX/XX/XXXX. And today on XX/XX/XXXX, I'm being told they are " working on it ''. Chase has been lying to me all along the way, meanwhile holding onto my money that I NEED because I have surmounting bills and they have no right to keep my money. They should be paying me interest at this point : ( It's not even that the cruise company held out and didn't send me a refund..They did but Chase isn't releasing me my money. I need this resolved as soon as possible. I don't believe anything they tell me any more. I feel that their actions are CRIMINAL!!!