davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-25
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. (PA)

In accordance with the fair credit Reporting act, XXXX XXXX bank, account # XXXX has violated my rights. 
1 5 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-05-25
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: PNC Bank N.A. (GA)

" I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you. 
"
Consumer complaint received 2022-01-04
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: REGIONS FINANCIAL CORPORATION (LA)

My mortgage was at a price that was paid and now the hazard insurance as when up causing the mortgage to go up. From {$480.00} to {$650.00} dollars to be paid over twelve years. I want to sell the house but it needs some work done to it. I am in the process of getting a divorce. Is there something I can apply for that will give me some of the money I paid into the house. I have live there for 7 years and we have a 30 year mortgage.
Consumer complaint received 2020-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (OH)

I am going through a business process for my a new job. I had my credit report pulled and I found all types of errors and bad information on my report the following addresses are not mine please delete/remove : XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX
Consumer complaint received 2022-05-24
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (AZ)

On XX/XX/22, I received a text from chase bank stating someone was attempting to make a {$1500.00} XXXX  transaction. I did not respond. Then, I got a call from a chase phone number. The caller said he was from chase fraud and was calling about my account ending in XXXX  He said a transaction for {$1500.00} was going through and asked if I authorized it. He had my account balance leading me to beleive he was from chase having my account number and exact balance. He walked me through how to credit my account with XXXX to ensure my account would not be wiped out only leaving me {$20.00} something. Little did I know I was sending the money. Chase will not help eventhough this person had my account information.
Consumer complaint received 2020-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (OH)

I am going through a business process for my a new job. I had my credit report pulled and I found all types of errors and bad information on my report the following addresses are not mine please delete/remove : XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX
Consumer complaint received 2017-05-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (CA)

One day, when logging into my account, I noticed that there were quite a few fees charged for " non chase ATM fee - Inq ''. I immediately thought that this was strange as I have the chase app on my phone as well as online access to check my account. I would never need to check my balance at an ATM. I called Chase and let them know that I did not do this and they agreed to refund the fees. Then, a few days later, I noticed that there were even more fees and also ATM withdrawals from my account that I did not initiate. I believe that my debit card must have been skimmed at some point and the thief 's were checking my account balance so that they could withdraw funds. I immediately called Chase and let them know that my debit card had been frauded and filed a claim to get my funds back. Initially, Chase refunded the withdrawals and fees that were taken out of my account. However, about a week or so later, I received communication from Chase that my claim was being denied and that they were reversing the refund of the disputed transactions. I called Chase to find out why this was being denied and to try and file an appeal. They stated that since I had logged into my account the day the original fraudulent transaction occurred, and did n't report it immediately, that they consider the withdrawals correct and made by me. This is ridiculous! Many times such things as withdrawals or charges do n't show up online until the next day! I spoke with a supervisor at Chase and they told me the same thing, the withdrawals were considered " correct '' and done by me because I logged into my account that day. I asked the supervisor to please provide me with the locations of the withdrawals and to provide pictures from the ATM showing the person who was making the withdrawal. I was told that Chase would not release that information to me and to file a police report and have the police contact them for this information. I used some profanity and told the supervisor that Chase were criminals. I then went to the police to file a report and was told they do n't deal with things such as this as it was under a {$10000.00} claim. Now I 'm stuck without any other options pursue to somehow get this resolved and do n't know what else to do.
Consumer complaint received 2021-04-22
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: EQUIFAX, INC. (NJ)

ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously
Consumer complaint received 2022-05-23
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (CA)

An account was made on XXXX, a merchant I have never used before in my life. Over the course of 24-48 hours, with my personal information and card information, approximately {$2400.00} was unlawfully taken from my account with no authorization from me. 

I contacted Wells Fargo, they reimbursed me. Now 3 months later without hearing a word from them they took the money they gave me back, and will not allow me to submit any further proof or information to support my case.
Consumer complaint received 2020-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

Capital One states they " resolved '' the issue by adjusting the current payment due on this account, but still reported the account as 30 days late to the credit bureaus. 

This is in direct violation of the CARES Act, as companies were instructed not to report any late payments during this time for borrowers who requested additional time to make payments due to loss of income. Our attorney is continuing in his filing of a class action lawsuit against Capital One for their refusal to abide by these guidelines.
Consumer complaint received 2022-05-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MI)

In 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. 

15 U.S.C 1666 B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-05-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: MoneyLion Inc. (AZ)

I filed my dispute by phone on XX/XX/XXXX and then I received a form from bank that I completed, signed and then faxed back on XX/XX/XXXX. On XX/XX/XXXX, I called to find out status and if investigation wasnt completed ask why I hadnt received provisional credit as per stated on monthly statement under For question regarding account history, notice of errors, or preauthorized transfers it clearly says We will investigate your complaint and will correct any error promptly. If we take more than 10 business days to do this, we will credit your account for the amount you think is an error, so that you will have the use of the money during the time it take us to complete our investigation. Its been >10 business days counting from date I faxed back their form. When I asked customer service rep why I hadnt received provisional credit she said not all account qualify for provisional credit and I stated # XXXX It does not say anywhere on their monthly statement or under their terms and conditions that not all accounts qualify for provisional credit and # XXXX per EFTA federal law under Reg E due to disputing an debit card transaction error I am entitled to provisional credit. 
But they didnt care.
Consumer complaint received 2022-05-21
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: EQUIFAX, INC. (FL)

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.
Consumer complaint received 2016-04-19
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (NC)

XXXX made an error on my credit report which has put a stop on my home loan. Due to this negative report I paid the account in full XXXX 2016 but they charged me a fee in error and reported as negative. I have tried to get them to remove this charge after several attempts They are saying it takes 30-45 days ... I feel that if took them 1 day to damage my credit it should take 1 day to correct their error. They admit to the error but refuse to correct my credit asap. Please help me resolve this matter
Consumer complaint received 2021-11-26
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. (TX)

My credit report contains incorrect information. It is your responsibility to provide them with the information they require. Please conduct investigations and provide updates on these accounts and inquiries, or I will take legal action.
Consumer complaint received 2016-04-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Utah System of Higher Education (SC)

I had my federal student loans at multiple places, XXXX and XXXX, and applied to have it consolidated, to XXXX. During the consolidate however XXXX decided that they to sell my loan, to XXXX. XXXX never bothered to verify that information was still accurate after they completed their process before they sent the money. XXXX is now charging me for the new consolidated loan even thought the original loan still exists. XXXX has now been paid twice for the same loan they claim to have sent the money to XXXX however XXXX claims to never have received it, even though it has been over a month, and is continuing to charge me for the loan. I have spoken to customer service at each company multiple times and all they do is tell me to call the other companies. Having the loans duplicated is hurting my credit and having to pay the same loan twice is straining my budget. Even if I eventually get this worked out and get reimbursed the money I am paying to the principal, I doubt I will ever get back the payments I am making to the interest. Right now everyone is making money off of me and I end up with double the debt and having to pay the same loan twice, and the longer this goes on the more it is costing me.
Consumer complaint received 2022-05-20
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: Credit Plus Inc (GA)

There is unauthorized inquiries on report. After contacting a few companies who couldnt provide me with much info basically told me to contact you guys and get a report and then it could be removed.
Consumer complaint received 2022-05-20
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Chime Financial Inc (GA)

I made a purchase at XXXX. Product was damaged in shipping I returned product I supplied XXXX with return slip. XXXX acknowledged they received the item however my XXXX account is closed because of an unrelated security concern. And because of XXXX dies not have access to account informed me to contact back. When XXXX received notification transaction was disputed they agreed and refunded money. On XX/XX/XXXX chime has had my money and will not release into my account and XXXX considers order resolved because money was given back and will no longer assist. Chime has acknowledged they have the money however is stating dispute is still under investigation when in fact itll is resolved and the only reason it is still open is because chime will not process refund.
Consumer complaint received 2020-07-09
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: Exeter Finance, LLC. (MO)

In XXXX, following a divorce, I bought a XXXX XXXX XXXX, I lived in Florida at the time. In XXXX, with my finances in a mess, I filed a chapter XXXX Bankruptcy. I would have filed a chapter XXXX, but I did not qualify. At any rate, the car was part of the chapter XXXX, but with a reduced payment from the Trustee. In XXXX I determined that I would file a chapter as financially I qualified. My lawyer agreed and drew up the paperwork, taking XXXX for the chapter XXXX. In a meeting in her office a week or two later she told my I did not qualify as it had not been long enough since my last Chapter XXXX. 
I contact Exeter Finance to try to work something out to keep the car, but they wanted me to pay the {$6000.00}, and that was not possible. At that time, I contacted Exeter finance and surrendered the car to them. At some point thereafter they sold the car. They violated Florida law when the sold the car, as Florida XXXX states that they must notify me of the time, day, and location to the sale at least 10 days prior to the sale. 

Exeter Finance then reported to XXXX that I owed a deficiency of {$23000.00} and XXXX under public records as included in bankruptcy. XXXX, Exeter and XXXX are refusing to correct the information even though they have been informed that Exeter violated Florida law when the sold the car without notifying me. In addition, the chapter XXXX Bankruptcy was dismissed in XXXX and XXXX  has been advised to the same, but refuses to either remove it from my credit file or put a note that says the bankruptcy was dismissed.
Consumer complaint received 2016-01-06
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I have been disputing with all XXXX credit reporting companies and have gotten nothing resolved. I have been the victim of bad credit since I can remember. My credit score has always been in the XXXX due to improper reporting. This has caused me to continuously get denied for credit and pay very high interest rates on auto loans. Every time I shop for an auto loan the car dealership sends out my application to different banks ( XXXX ) the credit companies report every single inquiry on my file. I get denied credit because too many inquiries. Credit companies try to tell me all those inquiries on my file only counted as XXXX and did not affect my score. That is the farthest from the truth. They count and that is why my credit score has never reached XXXX. I have also disputed other inaccurate information in my file and each and every time it remains un resolved.
Consumer complaint received 2022-05-19
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: SLM CORPORATION (FL)

I called XX/XX/19 XXXX as a senior citizens my child was charged XXXX for one semester on private student loan, I called the recovery department spoke to XXXX XXXX he wanted XXXX to release from the loan I get XXXX per mont on social security XXXX I am XXXX senior citizens on the loan, I have only XXXX to be released from the loan, I asked to speak to a Supervisor but he knew his supervisor XXXX was out feeling sick, I spoke to XXXX she said that the company does that because my request for a supervisor has to be met, not matter what department, XXXX knew that department could not help me he transferred me to, this is a game the company plays, wasting our time waiting for someone that has no authority over your account, I spoke to a XXXX he said its company policy to pass you on to any supervisor even if supervisor has not authority over your account, the company need to fined for stringing customers along, they are trained to treat customers unethical. XXXX stated being in collections was judgement of my character, I told him sending your kid to college is not a crime but outrageous tuition and having to deal with Sallie Mae is, I honestly feel this company should be closed down and all employee put unemployment line, they are not there to help you.this company has no compassion for sick, elderly or working poor. the should not give out any more student loans, the treatment is unethical.
Consumer complaint received 2022-05-19
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Problem with customer service — 
Company: KEYCORP (CO)

My name is XXXX XXXX. I purchased a cashiers check from Key Banks XXXX XXXX XXXX XXXX XXXX Utah branch in XX/XX/2016. The funds used for the check were taken from my personal account with Key Bank. There was a mistake made on the title listing Key Bank as a lien holder. I have never had a loan from Key bank of any kind. When I contacted them about this mistake I was told to talk with several different departments. Everyone I have spoken with has told me they can see i don't owe the bank money, but nobody will provide me with any documentation of it to have the title changed. The vehicle is sold and I am trying to get another but this wrongful lien is preventing me from moving forward with the sale. I have provided the bank with pictures of the title and vin number to no results. There should never have been a lien on this vehicle as it was purchased with personal funds. I understand that the bank didn't put their name on the title. That was XXXX XXXX XXXX of XXXX Utah. My issue is that Key Bank doesn't seem to care that they are costing me financially in postponing the sale of the vehicle by not simply emailing/mailing me a lien release or letter of non interest in a vehicle that they they have no legal claim to. It is my understanding that a wrongful lien is illegal and that they would want this matter handled quickly.
Consumer complaint received 2022-05-19
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: Colony Brands, Inc. (LA)

In accordance with the Fair Credit Reporting Act, Montgomery Wards Acct # XXXX, has violated my rights.

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604A states a consumer reporting agency can not furnish an account without written instructions.

15 USC 1666B states a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-08-04
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: JPMORGAN CHASE & CO. (NY)

XX/XX/22 - I was notified by my local postmaster that a temporary change of address was processed in my name on XX/XX/22. The postmaster cancelled that request on XX/XX/22. 
XX/XX/22 - I ran my credit reports and found a hard inquiry ( on XXXX ) by JP Morgan Chase Bank for a credit card on XX/XX/22. I contacted Chase, and they closed the account. 
XX/XX/22 - I checked XXXX again and found another hard inquiry by XXXX XXXX XXXX for a credit card on XX/XX/22. I contacted XXXX, and they closed the account. 
XX/XX/22 - I contacted all three credit reporting agencies and put a freeze on all of them. XXXX recommended I file a complaint with the FTC.