davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-31
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. (FL)

I provided the documents that were requested from me. The credit bureau informed me that it would take 48 to 72 hours and the file is not updated.
Consumer complaint received 2018-12-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (OR)

XXXX XXXX XXXX has erroneously reported a collection to multiple CRA 's for a debt that is not mine, furthermore ERC reported this collection without contacting me, notify me of my right under the FDCPA or verifying the debt. 

ERC has caused material damage to my credit standing, reports, and scores, directly impacting my ability to obtain credit by reporting a debt that is not mine without any validation. 

The reported account numbers do not match account numbers I have ever had with XXXX, notwithstanding the fact that the account I had several years ago with XXXX  was pre paid and had no possibility to incur charges beyond the pre paid balance of the accounts.
Consumer complaint received 2022-07-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN HONDA FINANCE CORP (FL)

XXXX is showing late payments on Account Number XXXX for my honda car payment. XXXX  and XXXX shows up as accurate and 100 % payments made on time, please update this information as accurate and payed on time.
Consumer complaint received 2022-06-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

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

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX  XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX  Account # XXXX, has violated my rights. 

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 a account without my written instructions
Consumer complaint received 2021-06-07
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (CA)

XXXX, Equifax and XXXX  are reporting 17 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 5th dispute letters to Equifax, XXXX  and XXXX  since XX/XX/2020 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.
Consumer complaint received 2022-09-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (TX)

The account was reaffirmed on XX/XX/2022. The bankruptcy was discharged on XX/XX/2022 and DID NOT include the mortgage as we had already reaffirmed it. I have spoken with XXXX numerous times and they refuse to correctly update the information on our credit reports showing the accurate information. I have filed numerous disputes with all three credit bureaus and uploaded a copy of the reaffirmation paperwork that is signed by XXXX 's attorney, XXXX XXXX. They continue to keep the status the same even though they're reporting inaccurate and false information. They currently have the account listed as " petition for bankruptcy '' which is not accurate at all and is effecting our credit negatively.
Consumer complaint received 2022-04-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (MO)

On XX/XX/XXXX around XXXX XXXX, I tried to make 2 deposits on the Chase ATM located at XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, MO. The first one is {$2000.00} and it was successful. Then I continued to make the second {$2000.00}, consisting of XXXX {$20.00} bills. But this time, it showed on the screen something went wrong and I need to call the bank. After that, the receipt was printed out and I found only the first {$2000.00} shown on the receipt and my bank balance. But the ATM didn't give back my {$2000.00}, it ate my second {$2000.00} deposit and the ATM machine also stopped working. It showed " right now, this ATM can't ACCEPT CASH DEPOSIT, ACCEPT cash payments, Dispense cash ''. I know there is something wrong with the ATM 'S cash system. I called the bank and the representative kindly told me it was not a big deal and the money will back to my balance. The next day, I checked back the ATM and found it was back to normal. I think someone must come and got it repaired. I continued to wait to see my balance be updated but when I called in today, I am so surprised that the bank denied my claim. 

They sent out a letter that said : We found that the transaction ( s ) was processed according to the information you provided or was authorized. 
No adjustment will be made to your account at this time. 

But I deposited {$2000.00} twice, a total of {$4000.00}. I only saw the first {$2000.00} in my account now. The claim number is XXXX. 
I thought it should be a easy case since at least there is a monitor the Bank can see me putting {$2000.00} twice into the ATM machine and didnt get my money back after things happened. FYI, I was in a car when I made the deposit. Also, I took a picture that showed the ATM was down and can not process my request.
Consumer complaint received 2022-08-23
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. (NY)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Account XXXX XXXX, XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX  XXXX Account XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-04-13
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Incomm Holdings Inc. (MS)

I received a Vanilla gift card for XXXX, I made a purchase at XXXX XXXX XXXX. I went to the Vanilla gift card website to check my remaining balance, only to find out that a charge to XXXX had been charged to my gift card. I contacted Vanilla Gift card customer service. I was told that a dispute would be emailed to me which it was and I completed and returned on XX/XX/2022. I received an email confirmation from Vanilla Gift card saying that they received my dispute packet and that the investigation will be launched and to call back in 90 days. I called back on XX/XX/2022 only to be told that they hadn't received my packet and that she would contact the dispute department and to give back in 48 hours. I called back on XX/XX/2022, only to be told that she hadn't heard anything back from the dispute department and to call back on XX/XX/2022. I called back on XX/XX/2022 to be transferred to the dispute department the lady said that she did not see a dispute packet for me, I read her what the email stated from Vanilla Gift card she told me that she will email the back office and that she is waiting for a response from them and to call back in 48-72 hours for a response. The emailed stated that investigations can take up to 90 days but most are resolved within the 90 days. Can anyone help me because I feel that I am being scammed.
Consumer complaint received 2022-07-29
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: ALLY FINANCIAL INC. (FL)

We had one of our checks stolen from the postal service. It was fraudulently altered and deposited in an Ally Bank Account. The amount of the check was {$19000.00}. We believe it is too easy to digitally alter a check and digitally deposit a fraudulent check in a fraudulent internet bank account. Our checks have water marks, holograms and are on heat resistant paper. We try to make them very hard to deposit fraudulently. I further believe that internet banks who do not have bricks and mortar locations are accepting fraudulent checks out of necessity. They are taking a risk at my expense. I believe that Ally Bank is enabling the fraud through their week security system. In order for ally to deposit this check they had to have opened a fraudulent account for the deposit. Our bank is denying reimbursement for the stolen {$19000.00} because we did not realize the fraud had accrued soon enough. I do not think that it would have mattered if we notified them when it happened. I believe it was too late when it happened. How can this be our fault?
Consumer complaint received 2022-04-25
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: Experian Information Solutions Inc. (CA)

IVE SENT SEVERAL DISPUTE LETTERS BY CERTIFIED MAIL AND ONLINE DISPUTES AND NOTHING HAS HAPPENED. I STILL HAVE NOT HAD THESE ITEMS REMOVED FROM MY CREDIT REPORT BELOW ARE THE INQUIRES THAT NEED TO BE DELETED DUE TO NOT BEING MINE OR NOT AUTHORIZED BY ME. 
BELOW ARE THE INQUIRES THAT HAVE NOT BEEN REMOVED XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX # XXXX XX/XX/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 XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/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 BELOW ARE THE ACCOUNTS THAT WERE SUPPOSE TO BE REMOVED OFF MY REPORT DUE TO THESE BEING AUTHORIZED FOR REMOVAL BY XXXX XXXX XXXX XXXX- ACCOUNT NUMBER -xxxxxxxxxxx XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -ACCOUNT HAS NEVER HAD A LATE PAYMENT. REPORTING HAS SHOWN A LATE PAYMENT IN XXXX ACCOUNT NUMBER XXXX
Consumer complaint received 2022-04-13
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. (RI)

15 U.S.C. 1681 Section 602 states a consumer agency can not furnish an account without my written consent In accordance with the fair credit act these companies listed violated my rights! 

Credit Inquiries 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 2018-12-14
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A. (MI)

i opened a checking account with Citibank to take advantage of a promotion that said if you open an account with {$15000.00} and leave it there for 60 days, you would get {$400.00}. i completed the requirement and was told repeatedly that i qualified for the bonus ( i am enclosing one of those confirmations in the files i am enclosing ) .now im being told since the savings acct was indication closed that i dont qualify. 
i was told numerous times that i did qualify. i feel the bank is acting in extremely bad faith. i am sending the transcript and a screenshot of my account. This is grossly misleading on the part of Citibank.
Consumer complaint received 2022-07-29
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: KEYCORP (OH)

I have signed up for alerts on my Key Bank checking account. They are almost instantaneous. Deposit alert, large transaction alert, low balance alert, etc. The " Insufficient Funds '' alert arrives in my inbox two days after the event. This way the bank can maximize the overdraft fees. 

This specifically happened to me when my balance was not sufficient to cover a transaction on XX/XX/22. Even though I had deposited a personal check to increase my balance, I was unaware of the bank 's policy to place a hold on the portion of the deposit that is over {$100.00}. In fact, I received a misleading alert that a deposit in the amount of {$300.00} had been made to my account. The bank really should have a disclaimer on that alert saying that certain deposits may be held for amounts exceeding {$100.00}, but if they were transparent that could limit their chances to make millions or billions in overdraft fees. Just the fact that they place holds on local checks seems to be designed to create negative balances. 

On XX/XX/22, two days later, I received the alert to notify me that my account balance was insufficient. This is also by design. THIS SHOULD BE ILLEGAL!!!
Consumer complaint received 2022-04-13
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO. (NC)

XXXX maybe- Mortgage was orginally with Chase Mortgage XXXX and in maybe XXXX asked for Modification and while paying what I was told for months and months was told was not approved. Was told catch up 10 months of partial pmts and I said couldn't and was told will put at the end of the loan. then in maybe XXXX or XXXX was sold to XXXX XXXX XXXX ac XXXX when I asked about the payoff to refinance with XXXX was told I owed XXXX and was told still owed 28 years on my loan and it was orginally refin XXXX so had paid for 16 years and was only a 30 year loan how could that be. Unfortunatley Select or Chase will send me any documation tell me why? I did not ask for any changes only the 10 months of rears partial payments at the end. So how a 30 year loan and paid on for 16 years and should only have 14 years left on it changed to 28 years. The math does not work Select said Chase sent it over like that but should not be correct and also paid select for 4 years so makes no since. Chase will not even speak to me said sold loan has no ducuments? If your not the person to help please tell me who. Never refinanced after Chase until last week and never asked or signed to be re-ameratized. 
XXXX XXXX XXXX and XXXX XXXX
Consumer complaint received 2022-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

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 im XXXX n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2022-07-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

on XX/XX/2022 an incoming wire for {$33000.00} was sent to our company 's ( XXXX XXXX ) checking account. As of XX/XX/2022, the incoming wire has not reflected on our bank account yet, we contacted Bank of America in regards to the transaction, the institution is holding the money with no specific reason and/or no turnaround time as to when these funds will be release, every time we call in, they do not say the reason why the funds are being held or give us any information whatsoever to why the funds are on hold. This is causing us to be late on payable transactions from our company and due to this money being held, payments due are accruing late fees
Consumer complaint received 2018-12-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BB&T CORPORATION (VA)

BB & T is showing activity on an account that has had zero activity since the account was closed in XX/XX/XXXX. This is only incorrect on the XXXX credit report. The account shows payments being made throughout XXXX, XXXX and XXXX, and then is showing failure to pay during XXXX, XXXX, XXXX and XX/XX/XXXX. No payments were made to this account sinceXX/XX/XXXX.
Consumer complaint received 2023-02-20
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)

This is my 7th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX, GA XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX
Consumer complaint received 2020-03-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Innovis (OH)

I NEED A INVESTIGATION ASAP! I have all kinds of bad information and fraudulent addresses on my credit report. I am in the process of starting a new company and I found all types of inaccurate information on my file. my current and only address is XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX this can be verified through USPS address update. My name is XXXX XXXX XXXX please delete and all varitions of my name the are not accurate.Someone has been using my name for business and lines of credit without my permission. My proper XXXX is XXXX my SS is XXXX please delete SS XXXX and SS XXXX they are not mine. The following addresses are not correct please delete : XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX, OH XXXX XXXX XXXX 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, MI XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX The following numbers are not mine : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX my current and only employer is XXXX XXXX. please delete the following employers I am not affiliated with any of them : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX