davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-24
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: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX ( XXXX ), # XXXX ( XXXX XXXX ), # XXXX ( XXXX ), # XXXX ( XXXX ), # XXXX ( XXXX ), # XXXX ( XXXX XXXX ), # XXXX ( XXXXXXXX XXXX ( Original Creditor : XXXX XXXX BANK ), XXXX XXXX ( XXXXXXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXXXXXX BANK XXXX XXXX  ), # XXXX ( XXXX ( Original Creditor : XXXX XXXX XXXX, # XXXX ( XXXX XXXX XXXX ), # XXXX ( XXXX XXXX ), # XXXX ( XXXX & XXXX ), # XXXX ( XXXX ) ; has violated my rights under sections. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-06-16
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. (PA)

XXXX XXXX And XXXX Hard inquiries I recently received a copy of my consumer report and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B
Consumer complaint received 2022-06-16
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. (NJ)

In accordance with the Fair Credit Report act XXXX XXXX account # XXXX has violated my rights. 15 U.S.C 1681 Section 602 A states that I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency cant furnish a account without my written permission
Consumer complaint received 2022-11-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. (NV)

I received a payment of {$50000.00} on XX/XX/2022. On XX/XX/2022, my bank deducted the exact amount without reason nor any consent from me. I sent messages to try to get it back and they never answered me. They keep sending me a message asking if they could debit my account ( which they did already ) but I keep sending back email saying I do not approve.
Consumer complaint received 2022-06-16
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. (AL)

XXXX. XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX 
These accounts are on my credit report and they need to be removed.
Consumer complaint received 2022-11-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (MI)

I checked my credit report becaue my fico score had dropped drastically and I was confused as to why. Upon checking my credit report it showed an address I had not lived at and a company I did not work for. I called the credit bureau and filed a dispute. They informed me that I would have to contact the collection agency ( I C System, XXXX ). I did this and they said it was an outstanding bill for XXXX XXXX for {$380.00} and how would I like to pay for it. I told them I had not lived at the XXXX XXXX address and that it was not my bill. They then told me I could contact XXXX to see what they would do but until then I owed the bill.I contacted the XXXX XXXX Department and submitted all the information 2X but they have not called me back after I asked to speak to a supervisor. I gave them the last 4 digits of my social security number but I refused to give someone in the XXXX XXXX my full number. I was assigned a ticket # and I was told I should hear from them within 2 days and that was the middle of last week. I have since made a police report. I have lived at my current address for the last 48 years and in fact had XXXX during the time the debt occurred at my present address. I supplied them with utility bills for the time represented but so far it hasnt been removed.
Consumer complaint received 2022-03-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

There is fraud related accounts that is reporting on my credit file. I have sent in a FTC report to all three credit bureaus more than 30 days ago and none of them took the proper action. Yet, those incorrect fraud accounts are still reporting on my credit report. This is violating. Instead of them removing the fraudently accounts due to me being a victim of identity theft they stated those accounts are verified. This is incorrect. I need those accounts deleted immediately from my credit report.
Consumer complaint received 2016-06-29
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (CA)

Equifax is completely negligent in not removing the bankruptcy from my credit file after I sent proof that they are reporting this bankruptcy with a filing date that has a year of " XXXX '' which does NOT exist. I did send the page from my credit report showing that it is being reported like this and it was not corrected or removed. They are now in violation of the FCRA section 1681. Not only that but they are reporting XXXX XXXX as well as XXXX XXXX with the same account, which is double jeopardy as ONLY the company that actually holds the account can report the account, not both. This needs to be removed as well. Immediately.
Consumer complaint received 2022-06-15
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. (NC)

In accordance with the Fair Credit Reporting act XXXX Account number : XXXX, Account number : XXXX, Account number : XXXX, Account number : XXXX, Account number : XXXX, Account number : XXXX, Account number : XXXX, Account number : XXXX, Account number : XXXX, Account number : XXXX, Account Number : XXXX, Account Number : XXXX, Account Number : XXXX and Account Number : XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-11-02
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. (TX)

XX/XX/XXXX - Joint owner of account went to bank to withdraw funds and was advised that there was a collateral hold on the account from XX/XX/XXXX. The branch was unable to locate an account in question. 

Same day I attempted to contact the bank. I was transferred to over XXXX different agents and was initially advised the hold was related to a paid in full auto account. Then advised that was a mistake. The joint account holder was then advised that it was a personal loan that was also paid off. The hold has not been listed. I was then hung up on by several agents when attempting to identify the loan. 

XX/XX/XXXX - I again contacted the bank in an attempt to identify the source of the hold. No one is able to identify a loan, only a notation of a loan placed on the account. 
Statement attached evidencing no hold on account. Account printout related to hold.
Consumer complaint received 2022-06-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (FL)

XXXX Paid {$1500.00} to the wrong AmEx account. Paid Macy 's AmEx instead of XXXX AmEx XXXX I called to redirect the payment to the appropriate AmEx. The representative claimed to have taken care of it. 
XX/XX/XXXX - Still no credit. Spoke w/XXXX ; complaint # XXXX. Promised to mail check in 3-5 days. Over an hour on the phone. 
XX/XX/XXXX - XXXX the supervisor told me that the funds had been transferred to an old Macy 's account and she would have check mailed ; again 3-5 business days XX/XX/XXXX - Supervisor XXXX told me that the closed account had a balance on it ; that account was charged off in a bankruptcy in XXXX. He would need to call me back the following Fri., once he got it straightened out. No call back. That phone call was over 1 and a half hours. 
XX/XX/XXXX - I began phone call at XXXX. Over two hours on hold with Macy 's credit, getting forwarded to a number of reps. Finally got hold of Supervisor XXXX ( XXXX ) XXXX who gave me another case # XXXX. He advised me that the check refund usually takes 7-10 days. He would contact me when he hear back from " them ''. I do not know who that was. 15 days later and 3 follow-up phone calls leaving messages, and no check or explanation. 
XX/XX/XXXX - Spoke w/XXXX who explained that he Needed to call citibank to see what they said.. I sat on hold for over 30 minutes it's XXXX  and when he returned he explained that the department that resolves the checks is still in in process. If I wanted to know more I needed to wait 3 to 5 business days for them to determine whatever they determine. He would not provide me with any further information on how to get my money back. He continued to say that that he could do nothing else for me. I simply had to wait for the citibank people Currently Macy 's has had my {$1500.00} for over 45 days. They do not seem poised to return my money despite the fact that they have acknowledged getting it and say that I need to take care of the bill with them.. Again, the bill they are looking at was written off in XXXX during a legitimately filed bankruptcy discharge. Macy 's acknowledges these acknowledges that information and has since opened me to additional Macy 's cards. One of them was for the XXXX XXXX that I sent payment to inadvertently. 
The money should be returned, and it appears they have no intention of returning it, which in my mind is theft. 
I currently do not have a balance with Macy 's and will be closing my account immediately after I receive my refund.
Consumer complaint received 2019-05-28
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: TD BANK US HOLDING COMPANY (NY)

I contacted XXXX XXXX TD Bank Mortgage XX/XX/19 asking for a copy of the stock lease and certificated. XX/XX/19 the bank supplied a copy which should have been identical to that of XXXX XXXX XXXX XXXX but had deleted the apartment number and added a stamp for assignment and transfer. 
I have asked TD Bank to supply a copy matching XXXX XXXX XXXX XXXX with the apartment number and they had replied that they have no such copy even in their vault. 
I would like the copy from TD Bank which must match that from XXXX XXXX XXXX XXXX. 
Should the bank be unable to supply these documents, I would like an explanation.
Consumer complaint received 2022-06-15
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)

In accordance with the Fair Credit Reporting Act, XXXXXXXX XXXX XXXXXXXX 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 an account without my written instructions
Consumer complaint received 2022-06-15
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)

In accordance with the Fair Credit Reporting Act, XXXX XXXX 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 an account without my written instructions
Consumer complaint received 2022-06-15
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)

Hi I am submitting this XXXX XXXXXXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2022-08-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the fair credit reporting act the following accounts 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 602 A It also states a consumer reporting agency can not furnish a account without my written instructions 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
Consumer complaint received 2022-06-15
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)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now XXXX XXXX  n cant provide to my XXXXXXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Consumer complaint received 2022-06-15
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (CA)

Contacted Mr. Cooper ( Nationstar Mortgage ) in XXXX XXXX about dropping the PMI on my conventional loan. Was told that appraisal would be done and I needed 25 % equity to have the PMI dropped. Was also told that the process should take a couple of weeks to get the appraisal and a couple more weeks to review. Appraisal was conducted on XX/XX/XXXX and submitted on XX/XX/XXXX. I contacted Mr. Cooper on XX/XX/XXXX after still not hearing anything about the outcome of my request. I was then told by XXXX of Mr. Cooper that " the report is subject to additional review and approval by Mr. Cooper ''. I asked for an explanation of what that meant, what exactly needed additional review. XXXX repeated that sentence and didn't offer further explanation. I also asked how long the additional review period would be and she gave multiple answers from 2 weeks to 30 days to indefinitely. Mr. Cooper emailed a copy of the valuation report dated XX/XX/XXXX and said that I should have received a copy in the mail, but I have yet to receive it as of XX/XX/XXXX. The balance of my loan is about {$340000.00} and my home appraised for {$570000.00}. There is well over 25 % equity and the PMI should be dropped immediately. I don't have confidence that Mr. Cooper is going to remove the PMI or give me any further explanation on what they are looking into. 

Since my request in XXXX to drop the PMI, my monthly payment has been increase twice by Mr. Cooper. They are referencing that there is a shortfall in my escrow account. I found that they paid the wrong home insurance company out of my escrow account even though they had the correct information. They then needed to correct the issue by issuing the correct payment. They immediately used that instance to recalculate my payment instead of waiting to be reimbursed. They also increased it another time stating other escrow shortfalls but not providing evidence, like the exact new tax bill. In reality my payment should be lower because my new home insurance is {$500.00} less than the previous year. As of XX/XX/XXXX my property taxes have not been increased for XXXX, the new XX/XX/XXXX bill has not been issued. The last payment for taxes was paid on XX/XX/XXXX. I feel that Mr. Cooper is unfairly increasing my payments and putting off my requests to lower it, while also trying to persuade me to refinance, even though that's not in my best interest as interest rates are higher.
Consumer complaint received 2022-06-15
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc (PA)

I had XXXX dollars deposited into my checking account thru Chime on XX/XX/2022, the following day on XX/XX/2022 Chime took the XXXX dollars out of my account and then closed the account. I emailed them in regards to this and they stated that my account had been closed due to not using it for an extended period of time and that I was not eligible for a refund. I told them I wanted my account reopened and my money put back into my account or sent back to the person who had sent it to me the day before. Within 4 days they had my account back open but did not put my XXXX dollars back into my account. I have called them multiple times in regards this and spoken with many representatives and multiple supervisors within the dispute department as well as customer service. Everything I call they tell me something different and say they can't help me. They tried to tell me my money was sent to the state after my account was closed so I had the supervisor walk me thru getting on the state website to look the money up to claim my money and there is no record of them sending my money there and no way for me to claim the money. They are refusing to help me and or to give me my money back. This has been two months of me calling them and I just got off the phone again from speaking with supervisors from both departments of member services and despute departments and they me there's nothing they can do it's not there department.
Consumer complaint received 2022-11-02
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: WELLS FARGO & COMPANY (TN)

The account was opened with Micro Center and I was made aware because they mailed the card to my old address and the mail carrier knew us and put in our current mailbox. The card has Micro Center XXXX XXXX XXXX on it but the card was issued by Wells Fargo. I have called Wells Fargo and initiated a fraud complaint, I have called and frozen my credit at XXXX, and they told me the hard inquiry on my account was made through XXXX so I called them and also froze my credit. The rep at XXXX told me to report to FTC when I asked them to remove the hard inquiry.
Consumer complaint received 2022-06-15
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: PNC Bank N.A. (VA)

Was selling furniture on XXXX XXXX and was contacted by a scam XXXX account user XXXX XXXX to purchase my items I usually use XXXX through PNC ( more cautiously ) to accept payment and gave my email address to user who sent double the amount i was XXXX XXXX for and claimed that it came from my XXXX XXXX Account and since its going to a personal XXXX I had to pay extra to go through. 

The person said i needed to refund the difference ( {$200.00} ) and send it to a XXXX address for XXXX XXXX ( XXXX ) and then it happened again but this time I needed to refund a bigger difference ( {$300.00} ) to a different email for XXXX XXXX ( XXXX ) I also received fake emails from a fake XXXX account outlining the steps for the refund procedure. 

I have snapshot evidence of the entire messenger conversation, transactions and fake emails
Consumer complaint received 2022-11-02
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY (VA)

Wells Fargo is ignoring my requests to close my Everyday Checking account. My first written account closure request was by letter dated XX/XX/2022. My second written account closure request was by letter dated XX/XX/2022. Wells Fargo has given me no explanation for holding my account open against my express instructions. Perhaps it wants to report maximum open accounts to its shareholders, but holding an account open against a customer 's repeated instructions is as bad as opening accounts without customer 's authorization. My account has had a XXXX balance for months, with no outstanding transactions. My last resort is to trouble Wells Fargo 's regulator, the Consumer Financial Protection Bureau, with helping me effectuate account closure. I will be grateful for the CFPB 's assistance.