davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (NY)

The way Chase bank credits my account allows them to charge me ridiculous fees in overdraft even when I transfer the funds from my savings account ( XXXX, etc ) to cover for those transactions. They tell me I have until the end of the bank day to put overdrafted funds back and even though I always do they still sneak in charges by holding payments pending, not allowing cash transactions to process first and taking out the overdraft fees before acknowledging the funds put in the account to cover it. For example, I had a payment of {$390.00} deposited into my account, they took three payments of {$34.00} in overdraft because it " cleared after '' their transactions posted on the same bank day after the end of the previous bank day. It was like XXXX. All they had to do was acknowledge at XXXX that I had deposited {$390.00}. BUT NO. They processed their transactions first, THEN said oh wait but now we have to charge you those overdraft fees even though you had money in your account. Then they ask if there is a reason my account is overdrafted, yes they are the reason. I could have a 2 hour period where my account doesn't have money and I am waiting for a transfer to go through and they take that opportunity to magically approve all the pending transactions to charge those overdraft fees. Then they always tell you, " you've reached the amount '' of overdraft fees they can refund you for the year.Even when their practices made you overdraft in the first place.
Consumer complaint received 2021-03-31
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. (IL)

Every time i file a dispute online ... They always come back and said it's valid. I have told the reporting company several accounts were not mine and there are 1-2 that i never applied for and it's on my credit report. So these accounts are never deleted. The accounts listed below are not mine. I had someone trying to use my personal info over the last 2-3 years. I have been working on correcting the problem and need your help with my issues. I have file a disputed XXXX XXXX XXXX  {$3300.00} ( Not mine ) XXXX XXXX XXXX {$280.00} ( Never heard of this company ) XXXX XXXX XXXX XXXX {$570.00} XXXX {$1700.00} ( No acknowledge of this acct. ) XXXX XXXX Solutions {$870.00} ( Never applied, not mine ) XXXX XXXX XXXX {$100.00} ( Not mine acct. ) XXXX XXXX XXXX which i disputed 4 years ago and shouldn't be on my credit report : XXXX XXXX  {$1600.00} XXXX XXXX XXXX {$240.00} I have the following accts are closed on my credit report but they won't remove them. They causing me problems with obtaining new credit, XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX Bank XXXX XXXX XXXX. XXXX Now XXXX. XXXX Now
Consumer complaint received 2021-03-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

Equifax and XXXX should not be reporting that I am ( XXXX ) days late on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a {$0.00} balance. This false reporting of late is seriously harming my credit score and this line item needs to be removed. This is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus to remove these lates however, I have not been successful.
Consumer complaint received 2022-08-07
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. (OK)

Yes upon checking my credit report I noticed several inquiries that I didnt recognize! I will list them below as well as the dates : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX
Consumer complaint received 2022-04-24
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

See XXXX. You closed my case vs. BAC but it kept my money. Its reason was that since it had lost my signature card ages ago, the account was theirs. Your agency accepted that. I have not received a bank statement re my {$3500.00} since you closed the matter. It is not my fault they lost the card. 

XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-08-27
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. (TX)

On XX/XX/2019 XXXX XXXX XXXX and XXXX pulled my Equifax Bureau credit report without my authorization and in error. 

I disputed ( # XXXX & XXXX ) this Hard inquiry with Equifax and Equifax investigation result is as below - " >>> The information you disputed has been received. The results are : Inquiries are a factual record of file access. If you believe this was unauthorized, please contact the creditor. If you have additional questions about this item please contact : XXXX XXXX XXXX XXXX DBA, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX of XXXX XXXX, XXXX XXXX TX XXXX '' I contacted Equifax on XX/XX/2019 to better understand their investigation process and meaning of their results. Equifax asked me - " request XXXX to send Notification electronically or contact Equifax Business Consumer phone number XXXX if XXXX doesn't have a way to send notification electronically '' On XX/XX/2019 XXXX XXXX, Director of Finance at XXXX and On XX/XX/2019 XXXX XXXX of XXXX contacted Equifax Business Consumer Help Line to request equifax to remove hard inquiry from my file which was done in error. Equifax Representative informed XXXX XXXX XXXX that they will not remove this inquiry and asked them to let the Consumer ( me ) dispute the inquiry ( which i already did ). XXXX provided me a letter to confirm these details which i attached with this complaint. 

On XX/XX/2019, I contacted Equifax to inquire about this contradiction. Equifax representative confirmed me that they will not contact the inquirers ( XXXX ) about the dispute i made and they will not confirm the validity of the inquiry. I informed equifax that I never authorized this credit inquiry and offered to show them the written proof from XXXX XXXX Director of Finance about " the error they committed and how equifax would not correct my credit file accordingly ''. Equifax representative confirmed that they will not investigate inquiries ( like contacting inquirer about validity ) except they check only their database. 

As Equifax not willing to remove my inquiry despite providing ample proof, I am approaching CFPB for help. 

EXPECTED RESOLUTION : Equifax should remove hard inquiry made by XXXX on XX/XX/2019 from my credit file. 

Attachements : 1. Dispute letter from equifax XXXX 2. Dispute letter from equifax XXXX 3. Letter from XXXX to confirm that inquiry is infact an error.
Consumer complaint received 2019-08-27
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A. (NC)

XXXX and all of XXXX BestBuy/CBNA keeps reaging a debt even though they sent me a 1099-C and debt cancellation letter agreeing there was a {$0.00} balance and the debt was cancelled through CFPB complaint and in the mail. Now they are adding a balance past due monthly all over again, even past the statute of limitations here in North Carolina, constantly reporting a past due balance of {$2000.00} to my XXXX  report and my XXXX report purposely destroying my credit making it seem like it is a new debt and newly past due every month. They only temporarily fixed it after I first complained with CFPB but then continued these practices on my credit reports once again. This is my second time trying to get help with this company reporting a balance even though they stated to CFPB and myself that they willl report a XXXX  balance and fix that false past due reports years later. I sent them the letter in the mail and a letter stating my issue with no action. I want all the past due removed from my XXXX and XXXX reports as soon as this is received and I want the {$0.00} balance to show on these reports. I shouldn't be charged taxes with a 1099-C then suddenly it is past due even being a very old debt that they promised to remedy assuring a reporting of a {$0.00} balance.
Consumer complaint received 2019-08-27
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: ERC (AL)

I have sent in a dispute letter asking for the contract where I supposedly signed for this account. I sent in dispute asking for proof and have not received anything yet the credit bureau continue to state this account has been verified, but how? I have not gotten any documents from this collection company with my signature I signed. I have been sending out dispute letters since XX/XX/XXXX.
Consumer complaint received 2018-04-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL (CA)

I dont underestand why synchrony bank closed my card for purchase and my minimum monthly is increased this bank is a XXXX  bank I ever work with today I wanted to pay off the account and I noticed all these problems I asked for a refund do to a unauthrorzed charges and nothing happened just my account is closed for purchase very odd
Consumer complaint received 2022-08-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (TX)

credit report not popping up XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX is my adress
Consumer complaint received 2018-04-08
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: SYNCHRONY FINANCIAL (PA)

I had unauthorized hard inquiry on my credit report from the following company : Company : XXXX ( XXXX XXXX XXXX ) Date : XX/XX/2017 2017
Consumer complaint received 2022-08-07
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: EQUIFAX, INC. (TX)

I do not believe that an investigation was done because Equifax is still reporting a collection account for XXXX XXXX and I have not received anything validating this account. I have tried to get this updated months ago and have had no response. The balance that is reporting on my report is not the same amount that I have with the original creditor, so I am confused as to where they are getting this information. Equifax is also in violation of HIPAA because this is sensitive medical information. No other credit bureau is reporting this inaccurate account. Please delete this account from my report.
Consumer complaint received 2022-08-07
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. (MS)

I have sent in disputes to XXXX, XXXX, and Equifax about these fraudulent inquiries on my report. XXXX keeps informing me about their policies and stating that they can not remove fraudulent accounts unless I contact the creditor. The point is that I have never contacted these creditors for an account in the first place. I also think that since they wish to continue reporting these inquiries as they are unlawful, they should pay the {$1000.00} per violation according to the following guidelines in the FCRA : 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 15 U.S.C 1681 Section A. States I have the right to privacy 15 U.S.C 1681n ( a ) ( 1 ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; I want {$1000.00} per violation.
Consumer complaint received 2019-08-27
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)

THE DISPUTED ACCOUNTS HAS CAUSED TREMENDOUS DAMAGE TO MY CREDIT, THOSE NEGATIVE INACCURACIES NEED TO BE REMOVED OFF MY CREDIT FILE FOR I HAD NO KNOWLEDGE OF THESE ACCOUNTS UNTIL I STARTED CHECKING MY CREDIT FOR ACCURACIES. PLEASE CONDUCT A RE-INVESTIGATION INTO THIS MATTER.
Consumer complaint received 2022-07-05
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. (MA)

I recently discovered that I am a victim of identity theft. So I am writing to request an EXTENDED FRAUD ALERT to be immediately placed in my credit file so that no new credit will be approved or issued until the lender first verified my identity. 
Fortunately, in accordance with the FCRA Sections 605B,615 ( f ) and 623 ( a ) ( 6 ), an identity theft report can be used to permanent block fraudulent information that results from identity theft, such as accounts or addresses from appearing on a victims credit report. Identity theft reports can prevent a company from continuing to collect debts that result from identity theft. Pursuant to the FCRA 605B ( 15 U.S.C. 1681c-2 ), please BLOCK ALL INFORMATION RESULTING FROM IDENITIY THEFT
Consumer complaint received 2019-08-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: WELLS FARGO & COMPANY (PA)

Hi, I just received A Copy from my credit report XXXX after placed fraud alert due to fraud activity on my credit and noticed that there two UNAUTHORIZED inquiry left by Wells Fargo Wells Farge Credit Services XXXX2019 XX/XX/2019 which i didn't apply for any kind of credit
Consumer complaint received 2019-08-26
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: WELLS FARGO & COMPANY (FL)

I submitted a dispute for two credit cards showing charged off on my credit history. XXXX XXXX XXXX claims I owe them {$400.00}, my original credit line {$400.00} and they are showing a charge amount of {$400.00} and charged off the account after only reporting one ( 1 ) 30 day late payment. The account shows being open in XX/XX/XXXX and current for XX/XX/XXXX and XX/XX/XXXX, 30 days late in XX/XX/XXXX and then charged off in XX/XX/XXXX. This is inaccurate. I contacted XXXX XXXX XXXX  and requesting copies of all documentation regarding my account and the sent me a letter stating they are not obligated to give me the information which is a violation of my FCRA rights. 

My second account with Wells Fargo Card Services, they state that they, charged off an account in my name for {$250.00}. I originally disputed this balance on XX/XX/XXXX and requested documentation to prove or validate this account. By law, if an creditor doesn't respond within 30 days, this account should be deleted from my credit report. Also the account was charged off in XX/XX/XXXX and in my state of Florida, a creditor may only attempt to collect a debt for up to four years. So this is past the statue of limitations and all collections should cease and be removed from my credit report.
Consumer complaint received 2018-04-07
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC. (MA)

I currently have a loan serviced by Navient, which is a variable interest rate loan. Every time I make a large payment to the loan the interest rate increases another .25 %. I made a payment on XX/XX/XXXX for {$290.00}. The loan was at an 11.25 % interest rate. I made a payment on XX/XX/XXXX for {$1300.00}. The loan at that time was at an 11.25 % interest rate and was worth {$21000.00}. On XX/XX/XXXX I made a payment for {$3000.00}. The interest rate at the time was 11.50 % and the loan was worth XXXX. The loan is now at an 11.75 % interest rate ( XX/XX/XXXX ). I am aware variable interest rates change over time, however the interest rate remains stagnant until I make large payments. It is not clear how they are calculating the interest rates on private loans, and they provide vague examples on their webpage.
Consumer complaint received 2021-07-09
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

not mine : FCRA violations : XXXX XXXX XXXX Original creditor : XXXX XXXX {$1200.00} Balance updated XX/XX/XXXX Account Info Hover over labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Collection Paid off : 0 % Balance on XX/XX/XXXX Original balance {$1200.00} {$1200.00} XXXX XXXX XXXX {$0.00} Closed 5 potentially negative months Account Info Hover over labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Unsecured Loan Balance on XX/XX/XXXX Loan Amount {$0.00} {$15000.00} payment never late send proof or remove it : Account Info Hover over labels for more details Account number XXXX Account status Closed Date opened XXXX XXXX, XXXX Account type Credit Card Balance on XX/XX/XXXX Credit Limit {$10000.00} {$10000.00}
Consumer complaint received 2022-08-22
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. (GA)

Please remove these Fraudulent Inquiries from my report. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-08-27
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. (NY)

XXXX XXXX acct XXXX I have written to the credit bureaus to investigate a late payment that XXXX XXXX is reporting on my credit reports. Now, to my understanding the credit bureaus and XXXX have an obligation to conduct a complete investigation into this issue and fix any errors. 
XXXX XXXX is reporting a LATE payment of 30 days on my credit report when I was NEVER late on this mortgage. 3 months after closing on my home, XXXX apparently sold this account. I had automatic payments set up from my checking account and have never missed a payment. Looking at my credit report, there is a 30 day late reporting that should never be reporting. Under section 1681i of the fair credit reporting act, I requested this issue fixed and still nothing. I am writing to CFPB to help resolve this issue before I retain council and take this to court. I am suffering financial and reputation harm from this error.
Consumer complaint received 2022-01-07
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Coinbase, Inc. (CA)

My account at the Coinbase.com is compromised as someone stole my ID and password to access the account and sold most of my coins in the account. I believe the security system at the Coinbase.com is not sufficient to prevent the hacking of the account. as a result of hacking I am going to lose in excess of {$60000.00}. My account was accessed by the hacker on XXXX XXXX, 2021 and all transaction occurred on the same day without my knowledge or consent. I have no idea how the hacker got hold of the account information and password and was able to go through the 2 step verification system using my cell phone number.