davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-08
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (FL)

In XXXX of XXXX, I opened a Business Checking Account with Chase for my business XXXX XXXX XXXX XXXX. As a result of fraud in my account, Chase changed my account information in XXXXXXXX XXXX XXXXXXXX. Our business account enabled us to accept XXXX transactions. As a result of my excessive acceptance of XXXX transactions, Chase Bank decided to close my account on XX/XX/XXXX. A total of {$14000.00} was in my account at the time of the account closing. XXXX  complaints have been filed and I have been in contact with their " executive '' office. According to them, every XXXX transaction that I have completed must be verified with the sender and funds will not be released if the customer can not be reached. Authentication factors are employed by Chase and all financial institutions to ensure that funds are being sent securely. As a prerequisite for these funds being verified to Chase 's standards, I need to contact Chase and provide them with the contact telephone number that the customer has on file. They will not provide me with customers ' names, just transaction amounts. So I need to search through and hope that they can match it up to who they claim is the owner of the account. From my experience, this is not always the case as people have recently changed their telephone numbers. Therefore, I need to pray that the customer will answer Chase 's call when I am on the phone with the customer. Both of these conditions must be met in order for the funds to be released. They have made it impossible for my to receive my funds back. When speaking to their executive team they stated it is in their depository agreement signed at opening the account. I still have all the paperwork from opening the account and asked for them to point out where in my signed paperwork does it state this information. They then follow up with that it is on their website and then when i ask why is it not in my paperwork they point out a section stating that if my funds are being held due to criminal or legal sanctions. My funds have no criminal or legal issues associated with them. I have been fighting with them since XXXXXXXX XXXX XXXXXXXX for my money and they told me that they can legally hold it for up to 3 years then it becomes property of the state. I need help collecting my funds. As a small business owner this is could make a large difference in our ability to operate. When speaking to XXXX & her " supervisor '' they both have made it very clear chase has zero intreset in returning my companies money. XXXX can be reached at XXXX XXXX
Consumer complaint received 2020-03-17
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 Information Services LLC XXXX. XXXX  XXXX XXXX, GA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX, TX XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX   XXXX  XXXX, PA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-03-25
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: EQUIFAX, INC. (FL)

Please see the other previous complaints by me, this company lies to CFPB and consumers. It has cost me thousands in illegal inaccurate reporting, and they know its inaccurate and refuse to comply with regulations. I am suing Equifax and would like the CFPB to actually pose very harsh penalties to Equifax for abuse of consumer information and refusal to accept accountability under the law and resolve the complaints of consumers. CFPB should not close this complaint because Equifax says they are doing something, EQUIFAX MUST FURNISH PROOF OF THEIR INVESTIGATION AND OUTCOME, NOT JUST A STATEMENT.
Consumer complaint received 2021-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously
Consumer complaint received 2020-03-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (NY)

Citi Credit Cards reported my XX/XX/XXXX payment as late. The payment was only paid late due to Citi 's failure to send my monthly statement. After the 3rd month not receiving a statement I called them again and asked to speak to upper management on or about XX/XX/XXXX and after a brief investigation they informed me that due to an error on their end, my statement was not being mailed to me. I do not feel that the XXXX payment should show as delinquent since the delinquency was due to them failing to send the statement. I've attached the correspondence to and from Citi. I have also disputed this with the 3 credit bureaus with no success.
Consumer complaint received 2022-03-25
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. (TN)

Please contact the Bureaus because I've sent them a letter letting them know these inquiries need to be removed. Due to their noncompliance it has brought me to contacting your company. Please see attachment
Consumer complaint received 2022-11-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ONLINE Information Services, Inc. (CA)

I have sent multiple letters demanding debt be validated, no response. Creditor keeps assigning to new collection agency. Debt is for utilities in Texas. I was born and raised in California and never been to Texas. I am a senior citizen and they are engaging in elder financial abuse by refusing to validate the debt, give me the information surrounding the debt and refusing to answer my letters. They are reporting on my credit report.
Consumer complaint received 2020-04-16
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. (GA)

XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX  XXXX violated my 609 rights by reporting incorrect information to Equifax regarding my credit file. Equifax further violated my rights by adding this incorrect information to my credit file for others to see. 

They have violated my rights to have fair and accurate information on my credit report. 

My personal information on my credit report is inaccurate as well. I have requested to have my addresses, phone numbers, and names corrected on my credit report. This is a violation on my consumer protection rights.
Consumer complaint received 2020-03-17
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/XXXX I contacted the credit reporting agency to dispute an account which can back as verified on XX/XX/XXXX. I received a letter directly from the furnisher ( XXXX XXXX XXXX  ) of this information dated XX/XX/XXXX stating they were ceasing collection efforts. On XX/XX/XXXX I challenged the validity of their investigation and even included the letter from the creditor as proof that the account needed to be removed from my file. Instead of removing it, the credit reporting agency still claimed the account was verified by the creditor on XXXX. Clearly they are not actually investigating the accounts because otherwise they would have known that XXXX XXXX XXXX  were no longer collecting on this account.
Consumer complaint received 2022-11-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MD)

I have an XXXX credit card and the bank operating the card changed. I had automatic payments set up and did not receive any notice that they would be terminated, possibly due to the fact that I moved during the time that the banks were transferred. Because my automatic payment didn't post, my payment was late and the credit card company reported to credit agencies. When I realized it was late, I immediately paid in full and sent a letter to the bank explaining the situation. The bank responded initially by saying they would remove the negative credit remark, but they have not done so and my credit is still impacted.
Consumer complaint received 2020-03-17
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: Mr. Cooper Group Inc. (NJ)

I AM XXXX YEARS OLD AND I ALWAYS PAID MY MORTGAGE ON TIME i SET UP AUTOMATIC PAYMENTS. THIS HAS RUINED MY CHANCES OF GETTING A REVERSE MORTGAGE. I DIDNT REALIZE MY CREDIT UNTIL I HAD SOMEONE CHECK IT. I AM TOO OLD AND MY HUSBAND DIED I DONT HAVE ANYONE TO HELP EXCEPT THE FTC AND THE BANK. I NEED MY LATES REMOVED I HAVE PROOF FOR AUTOMATIC PAYMENTS SETUP. REMOVE XX/XX/19 AND XX/XX/19 UPDATE TO NEVER LATE. I WAS NEVER EVER LATE
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 — 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 XXXX has me at a score around XXXX. 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 year old daughter PLEASE HELP ME PLEASE im XXXXXXXX now.with no help.
Consumer complaint received 2020-03-17
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. (UT)

XXXX XXXX XXXX # XXXX and XXXX XXXX XXXX # XXXX are double reporting the same debt to my credit report, this is a violation of the Fair Credit Reporting Act and they should not be double reporting. I need this removed off of my credit immediately.
Consumer complaint received 2022-03-25
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC (CA)

ENHANCED RECOVERY CO L IS ATTEMPTING TO COLLECT AN ALLEGED DEBT FROM ME AND CAN NOT VALIDATE THE ALLEGED DEBT. THE ACCOUNT IS CURRENTLY A COLLECTION STATUS AND ENHANCED RECOVERY CO L IS STILL TRYING TO COLLECT. I even submitted a cease and desist. I attach the letter too and they could not provide the promissory note of this alleged debt. ENHANCED RECOVERY CO L is in violation of 12 CFR 1022.41 ( d ) integrity. I need this account DELETED now!
Consumer complaint received 2021-05-25
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: MoneyLion Inc. ()

On XX/XX/2021, I received emails to my email account from Moneylion.com telling me that my phone number had been changed on the account, that a bank card was on the way to the address listed on the account, and that a virtual card was ready for use. 

The problem is : I never opened a Moneylion account, and though I am American, I do not live in the United States and have not for several years. The address on the moneylion account is an American one in my hometown, but not an address I recognize. 

The phone number on the account is in XXXX, Texas, a place I have never visited. My name, though misspelled, is on the account. I can not view the social security number they used so i can not confirm if they used mine or someone else. I subsequently changed the password on the account to lock out whoever was using it, so all they have done is upload {$190.00} to a XXXX account. 

The same day, I submitted two complaints to the company via their online submission form telling them that someone had opened an account in my name and with my email and that I wanted it closed. I only received one response telling me to call. I have called, via XXXX XXXX ( which used an American phone number ), and got no answer. 

There are no options on the website, either computer or mobile, to close the account.
Consumer complaint received 2020-04-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (NV)

XXXX XXXX XXXX is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$1900.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2013 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Consumer complaint received 2020-07-26
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. (TN)

Account reporting, for credit and FICO Score purposes, issues with XXXX XXXX XXXX XXXX. XXXX is currently reporting my credit score in the low 400 's, without just cause. Each of my FICO scores, as reported by XXXX XXXX, XXXX ; XXXX, XXXX, and Equifax XXXX, are as follows. While I disagree with my XXXX  and Equifax reports and have repeatedly reported they are carrying erroneous information on my reports, the FICO score reported is considerably higher than the XXXX   reporting. XXXX  indicates they receive data from the referenced credit bureaus. There is no reason for this type of error, specifically in our given national emergency,
Consumer complaint received 2022-07-29
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: FULTON FINANCIAL CORPORATION (PA)

I contacted on XX/XX/XXXX and was told I would get return call on XX/XX/XXXX. I got no call, so I called and no solution was given. I was told to come to the branch, but there was no confidence. This was for Fulton Bank in XXXX A biller hit my bank account with automatic payments in error for very small single digit amounts. For each amount, I was charged a {$39.00} fee as well as {$6.00} a day overdraft fee. My charges were less than {$300.00} from the automatic payments. The fees assessed by the bank is close to {$600.00}. This is predatory and excessive charges. I have been a customer of this bank for 13 years and never had this issue. They just dont want to waive any fees and want me to go bankrupt.
Consumer complaint received 2022-03-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Selip & Stylianou, LLP (NY)

I am having issues with disputing a fraudulent account that was opened in my name. This is my second time reaching out to the CFPB as my issue was never resolved. An account was fraudulently opened in my name in XXXX. This account was opened using a Variation of my Legal name and not my XXXX XXXX. Yet XXXX one refuses to investigate or remove this account from my ownership. I have filed a police report, XXXX of XXXX theft, and multiple disputes with the bank itself but XXXX XXXX still responds via mail stating that they have conducted an investigation and are attaching the evidence. The evidence they attach is the monthly statements from the fraudulent account opened using a variation of my name. The account was opened using the name XXXX XXXX. That is not my Legal Name, my Legal Name is XXXX XXXX XXXX. They refuse to acknowledge that this case is fraud and will not budge. I need assistance in having this account removed from my records. I had an XXXX XXXX XXXX from XXXX when this credit card account and another credit card with XXXX bank were opened in my name. XXXX bank completed an investigation and confirmed that I did not open the account. I am not sure why XXXX XXXX thinks that the account transactions of a fraudulent card serve as proof of ownership but they do not. I can prove I was working as a XXXX XXXX  XXXX XXXX during the times of all the transactions they are claiming are mine. They refuse to reopen the case. I have contacted them most recently as XX/XX/XXXX, where I spoke to an representive named XXXX ( XXXX ID : XXXX ). He stated that they will not reopen an investigation into this case. When I asked to speak to his XXXX, he stated that he doesn't have a manger and that he is the end line of communication for me. He stated the investigation is complete and that they can not reopen the dispute due to the Fair Credit Reporting Act not allowing them to. This does not make any sense to me. Please assist me with resolving this matter. Acct number : XXXX.
Consumer complaint received 2022-03-25
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (CT)

XXXX maliciously reported my payment history for XX/XX/2022. The payment was due on XX/XX/2022. I requested for an extension and was granted on XX/XX/2022. I was told I had 10 days to sign this extension and make the payment. I chose to pay and sign the agreement on the same day XX/XX/2022. I received confirmation from XXXX on the executed agreement and payment receipt on XX/XX/2022. A few days later I was notified from my credit monitoring services, XXXX  reported I didn't make payment so they added a 30 day marker for XX/XX/2022. I spoke with their representative on XX/XX/2022 and file a complaint and investigation into this error. On XX/XX/2022, I was advise they don't care whether it was less than 30 days late or not. As long as it is close to 30 days late, they can add the 30 day marker. I expressed repeatedly it was not a full 30 days because XX/XX/2022 is not a full 30 days. XX/XX/2022 was actually 28 days. They were suppose to wait till XX/XX/2022 to see if I was 30 days late. 

This malicious action has cost me Big and is affecting my livelihood. I need to be able to work in order to make my payments. My score dropped about 50 points. I worked so hard to maintain good credit and in one shot XXXX destroyed ME! 

Please help, they can't violate me and get away with it.