davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-21
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (NY)

on XX/XX/2022 i tried to make a purchase with my XXXX store card, which run by Synchrony Bank Card Services. I later received an email that the store card was declined. 

I logged into the Synchrony Bank Card Services website to find out the card had been closed. 

I checked the messaging area of the banks website and it was empty. 

I then used the online chat feature to find out from an agent that my card was automatically closed and the only option was to reapply to open a new card. 

My issue here, is XXXX I was never notified that the account was closed. XXXX I was never given a courtesy message that my account was on the verge of being inactive for too long. XXXX By closing the account, they impacted my credit rating. XXXX their recommended solution was to again, impact my credit rating. 

They offered me a XXXX $ credit to my account if and when i reapplied for a new card and approved. {$30.00} wont come even close to the costs i will incur on future financing of cars, etc. due to a lower credit score. 

They clearly have the ability to identify an account that is on the verge of closing, and they also have the ability to make use of their very own messaging system to tell the consumer.
Consumer complaint received 2018-09-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO. (IL)

I have a Checkings account with Chase bank. Recently, I made a payment using my debit card at a credit union ( to pay off my car loan ). The total payment was {$5300.00} and since my debit card limit for a day is only {$3000.00}, I paid it in two payments. {$2700.00} on XX/XX/XXXX and the remaining {$2600.00} on XX/XX/XXXX. I just found out that I was charged a total of " Non-ATM cash fee '' of {$160.00}. {$81.00} for the {$2700.00} transaction and the remaining {$79.00} for the {$2600.00} transaction. 

This {$160.00} fee for just using my debit card ( not even a credit ) to make a payment is very high. When I called the chase bank customer service, they were not able to explain clearly why I was charged this 3 % fee. The representative and her supervisor that I spoke with both said this is a " cash advance fee '' that I was charged for doing a transaction with a teller at a Non-Chase bank and told me to refer to my accounts fees, rules and regulation. Mentioning it is my duty to find out why I was charged and not theirs to explain. 

The chase guide to checking account found on this link, https : //www.chase.comXXXX   does not mention anything about a " cash advance fee ''. Moreover, the description provided for Non-ATM Cash fee is " You use your Chase Debit Card to withdraw cash from a teller at a bank that is not Chase ''. But I did not withdraw cash, I was only making a payment.

I have attached both the simple guide for checkings account ( 3 pages ) and the Additional Banking Services and Fees for Personal Accounts Deposit Account Agreement pdf ( 13 pages ) available at this link https : //apply.chase.comXXXXXXXX XXXX. In both the documents, there is no " cash advance '' and the non-atm cash fee is only for a withdrawal of cash.

As an additional note, when I tried to my pay off my loan ( {$5300.00} ) it was declined since my limit was only {$3000.00} for a day. So, I called the bank and tried to get them to increase my limit or make an exception for this one transaction. After speaking for almost 30 mins they were still not able to do it. So that's why I ended up making two transactions. However, not once during this call any customer service representative inform/warn me about the charge I will incur if I proceed with the payment.
Consumer complaint received 2022-08-23
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. (PA)

To Whom It May Concern, I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft possibly through a data breech and did authorize the charges that appear on my credit report. I ask that the items be deleted to correct my credit report at the earliest convenience. 

Thank you very much, XXXX XXXX B.A, B.S
Consumer complaint received 2022-07-21
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. (WA)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXXXX/XX/2022 XXXX XXXX XXXXXXXX XXXX XX/XX/2022 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions
Consumer complaint received 2018-09-04
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. (NJ)

On XX/XX/2018 I checked my XXXX XXXX score and was SHOCKED to see that in about 10 days, my score had dropped by almost 30 points. They also noted a hard inquiry from XXXX XXXX  ( Credit Cards/Airlines ) that was applied for or posted on XX/XX/18. 
I never applied for a credit card or had an inquiry run and this is fraudulent. 
I called Equifax on XX/XX/18 to be told that they saw no such inquiry on my report. 
I can not even get through to XXXX. 
I called XXXX XXXX  and was advised that they have no record of anything and I was given the runaround to call the credit bureaus. When I call the credit bureaus I am told to call XXXX. 

Can you please help me? I asked for no inquiries and have not applied for anything. 

I look forward to hearing from you.
Consumer complaint received 2022-10-24
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: Comerica (CA)

Someone opened a bank account online with my name, address and used my social security number. I am unaware of how they were able to access my information. The bank called me to ask if I need help with my new account that was created on XX/XX/22.
Consumer complaint received 2018-09-04
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (TX)

Today I logged on to see my student loan account online on Nelnet. I have been mailing my monthly payments for the amount requested on my account statement I get every month from Nelnet.

Nelnet has been the new loan service provider since early this year ( XX/XX/XXXX or XX/XX/2018 ). I was shocked to see that since XX/XX/2018 until today ( XX/XX/2018 ) 100 % of my monthly payments have been applied to interest only - and per Nelnet Customer service this will continue every month. I understand that usually a large portion of the monthly payment goes to interest ( even though I've been paying these students loans for over 10 years now and the original principal is greater because some interest have been capitalized ) but the payment history shows since Nelnet took over my student loan, Nelnet has not been applying ANYTHING against the principal.

I called Nelnet today XX/XX/18 and was informed that payments are being applied according to my payment plan. How did Nelnet decide that? Again, Nelnet took over my student loan ( without my consent, I never signed anything with Nelnet ) and apparently has started to apply the payments differently than the previous company that had my loan. The company that serviced my student loan before Nelnet did apply a portion of my monthly payment to the principal. How can I ever finish paying my student loans if my payments are applied to interest only. Again, the amount I'm paying is what Nelnet is asking me to pay.
Consumer complaint received 2022-05-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (FL)

In XX/XX/2022, Lexis Nexis verified inaccurate public information of bankruptcy on my consumer report. Lexis Nexis indicated that their company deleted this information effective XX/XX/2022, followed by stating they would mail a resolution notice verifying their action of deleting this information. On XX/XX/XXXX. 2022 I again requested a copy of this notice for my records informing Lexis Nexis that no notice had ever been mailed. Lexis Nexis agreed to resend the notice and complete a manual dispute of this info with all 3 credit bureaus. To date I have not received any notice of this deletion as requested.
Consumer complaint received 2018-09-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Summit Financial Corp. (CA)

This company is still reporting inaccurate information to 2 of the 3 major credit bureau 's. XXXX has deleted them from my credit report after reviewing my complaint and dispute. I have sent in several requests to have this information verified bearing my signature, dates, and accuracy of the alleged amount. They have not supplied me a single copy or response to my request since XX/XX/2018, when the 1st request was made. I am now seeking legal action. I have sent my requests out via certified mail and have all of my documents ready to go for proof of service. 

Summit Financial Corp, is doing bad business. They are not updating accounts correctly and they are not reporting cars that have been resold for their profit. This company is charging on going interest monthly on accounts that have been closed out. They do not verify information that is being requested. 

Summit Financial Corp XXXX XXXX XXXX XXXX XXXX, FL. XXXX
Consumer complaint received 2018-09-04
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 (FL)

ATTENTION DISPUTE DEPARTMENT XXXX, XXXX SOC SEC # XXXX DOB XX/XX/1994 ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX WFXXXX XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by  identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt  requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious WF/XXXX XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the Southern District of XXXX Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/1994 ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Consumer complaint received 2022-09-26
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (TN)

I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. Here are the following date disputes was sent, XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX
Consumer complaint received 2022-07-21
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (OH)

Disputes was sent in regarding a account on my credit report that was in accurate, I sent the bureaus this time and time again and nothing was ever done since I started this complaint. There was no disputes shown on this account. 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) is the law that I feel they are not abiding by. 602. Congressional findings and statement of purpose [ 15 U.S.C. 1681 ] ( a ) Accuracy and fairness of credit reporting. The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
The amount showing that I owe is not correct My date are not accurate through any of the bureaus. There is also a law stating that all bureaus need to be all 100 % accurate and reporting the same. 
The open date is incorrect, the last payment date is not the same, last verified date is inconsistent.
Consumer complaint received 2018-09-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The CMI Group, Inc. (FL)

XXXX, XXXX XXXX XXXX # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX CT XXXX XXXX, XXXX XXXX, FL XXXX To Whom It XXXX Concern : XXXX XXXX XXXX XXXX Please be advised that I have received your correspondence. This is not a refusal to pay or a cease notice, but a notice that your claim of monies owed is disputed. According to the FDCPA you must validate a debt to a debtor if the debtor responds to your primary notice within a matter of days. Under the FDCPA and according to recent findings with the Federal Trade Commission, you must send valid proof of this debt and a printout of records is not valid. See FTC.gov staff attorney opinion findings for details. Please dont send back a print out. The proof requested is as follows : Please know that everything must match Date you purchased debt Amount you paid for said debt Original Date of Charge Off Date of last payment/activity if any Creditors full name and address All records pertaining to actual debt to prove validity. 
I have put you on notice then I reserve the right to file a suit against you for FDCPA violations in my courts venue. You will have to travel to defend yourself in that scenario. Please also be advised that this request is an official validation of debt request and not a verification of address request. Proper proof of said debt is required. Please understand as well that under the FCRA any furnisher of information must put the account rating on hold while the debt is being investigated. Continuing to report this disputed debt to my credit reports is a FCRA violation also open to damages collected from you. 
Awaiting your reply in a timely manner. 
Sincerely, XXXX, XXXX XXXX XXXX # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX CT XXXX XXXX, XXXX XXXX, FL XXXX
Consumer complaint received 2018-09-04
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: Resolve Partners, LLC (SC)

Hi I am contacting you because I am dealing with multiple accounts on my report that are showing up due to fraudulent activity. I recently looked at my credit report and noticed multiple accounts on my report that were not opened by me, there are many medical collection accounts which I have never finance any of my medical costs. I am also seeing accounts from banks that Ive never opened an account with or gotten a loan from or even a credit card. I do not know how these items are showing on my report, I believe some one could have my information and is using it to open these accounts. It could also be some one elses accounts showing on my report. I really need this to be resolved as I am looking to buy a house soon and these items are depicting my score incorrectly as I have never been late on any of my bills. Please let me know if you require anymore information or have any questions. 

ITEMS ON MY REPORT THAT ARE NOT MINE : XXXX XXXX XXXX, XXXX, XX/XX/XXXX, BALANCE {$0.00} XXXX, XXXX, XXXX, XX/XX/XXXX, BALANCE {$25.00} XXXX XXXX XXXX, XXXX, XX/XX/XXXX, BALANCE {$280.00} XXXX XXXX XXXX, XXXX, XX/XX/XXXX, BALANCE {$28.00} XXXX XXXX XXXX, XXXX, XX/XX/XXXX, BALANCE {$29.00} XXXX XXXX XXXX, XXXX, XX/XX/XXXX, BALANCE {$950.00} XXXX XXXX XXXX, XXXX, XX/XX/XXXX, BALANCE {$26000.00} XXXX XXXX XXXX, XXXX, XX/XX/XXXX, BALANCE {$17.00} XXXX XXXX, XXXX, XX/XX/XXXX, BALANCE {$430.00} XXXX XXXX XXXX, XXXX, XX/XX/XXXX, BALANCE {$19000.00} XXXX XXXX XXXX XXXX, XXXX, XX/XX/XXXX, BALANCE {$0.00} MEDICAL, XXXX, XX/XX/XXXX, BALANCE {$32.00} XXXX, XXXX, XX/XX/XXXX, BALANCE {$11000.00}
Consumer complaint received 2018-09-04
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO. (CA)

I was charged {$50.00} overdraft fee for an {$8.00} recurring subscription. I spoke to Chase Bank as so as I found out about it and they refused to reverse the fee.
Consumer complaint received 2022-08-01
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. (NJ)

I'm pleased to see several improvements made to my report, including the deletion of some accounts I had previously disputed. However, there are still a few accounts on my report that are false and the result of identity theft. I request your assistance in getting rid of the last few items on my report. According to FCRA section 605b, the credit bureaus are obliged to remove or block any accounts that have been listed in an identity theft report. I've included a few papers to help prevent fraudulent information from being submitted in my report. 
XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00}
Consumer complaint received 2022-07-21
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. (NY)

In Accordance with the fair credit report act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

- XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 
XXXX  account # XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-08-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE (PA)

My credit card with Barclaycard had fraudulent activity on XX/XX/XXXX. At that time I took the steps necessary and notified Barclaycard. In the meantime I returned merchandise to the following vendors : {$190.00} to XXXX XXXX, {$330.00} to XXXX, and {$130.00} to XXXX on XX/XX/XXXX. On XX/XX/XXXX I returned merchandise to XXXX XXXX {$52.00} and XXXX for {$310.00}, {$32.00}, {$48.00}, and {$12.00}. I received a new credit card to replace the one with the fraudulent activity. In the past when this occurred transactions between the accounts was seamless. I have called/chatted with Barclaycard on the following dates and there has been no resolution : XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XXXX for 5hese credit amounts to be posted to my account. Their solution is to dispute the original transactions, however, one of the items purchased was on XX/XX/XXXX but the item was returned XX/XX/XXXX. They will not resolve this transaction because it was purchased more than 60 days ago but the transaction I am inquiring about is XX/XX/XXXX. I believe this is a Barclaycard issue and was told their credit policy changed and I needed to wait 7-10 business days to see these credits on my account by one their representatives.None of the credits have been posted. I have hardcopy receipts for all of the returned items. I am frustrated with their response to my inquiries.
Consumer complaint received 2022-08-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (TX)

Called Truist bank on XX/XX/2022, and was told my account was closed and they couldn't see a reason. I told them I would have a payroll deposit coming, and they said it would bounce out since it was closed. Went to the Truist Branch on XXXX XXXX in XXXX Texas and spoke to a female banker. She stated she couldn't give a reason and took my debit card and my direct deposit should go back to my employer. Today XX/XX/2022 called in after talking to my HR department and they stated my acct was on hold and had to go into a branch. I told them I had already gone to a branch, so the rep called the branch and stated that I never went in, which was a lie. They said they could see my direct deposit but couldn't do anything since my account was on hold. I told them that I refuse to go in and they need to rectify the situation. They were unable to help me and my money is in limbo.