davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-01
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: Experian Information Solutions Inc. (AL)

I recently went to Experian about the account that says XXXX XXXX and I told them it wasnt my account. The address on the account doesnt even match the address on my profile. Considering this is wrong and is hurting my score I would like this item to be removed.
Consumer complaint received 2022-11-21
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (WI)

I was frauded by three crypto trading websites. I wired bank transfers to these websites, but they are scammers. I contacted my bank to get my money back into my account. My bank manager said there was no way they could help me because the transactions were completed.
Consumer complaint received 2018-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Reliant Capital Solutions, LLC (FL)

I reported an inaccurate debt collection for investigation to XXXX on XX/XX/XXXX and on XX/XX/XXXX they verified it as accurate. This debt was already paid to the original creditor prior to the reporting date of XX/XX/XXXX by the collection agency. The collection agency has not provided any proof that a debt is still owed. I have a receipt from the original creditor to substantiate my position as well.
Consumer complaint received 2022-11-21
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. (FL)

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 which states I have the right to privacy. 

15USC 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. code 1681a- Definitions ; rules of construction- Exclusion.-Except as provided in paragraph the term '' Consumer Report '' does not include any report containing information solely as to transactions or experiences between the consumer and the person making the report 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2022-11-07
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (NY)

On XX/XX/XXXX, I received an email from chase informing me that my account would be closed. On XX/XX/XXXX, I went to their branch to ask the bank staff about the reason for closing the account. The bank did not tell me the reason why my account was closed and my account balance will be mailed to me by check within 20 working days. A month later, I still hadn't received a check. I called the chase customer service again, and the customer service told me that I would send a check to me within 7-10 working days, but I still haven't received my refund
Consumer complaint received 2022-02-21
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NY)

I recently received a copy of my credit report and I noticed your furnishing an account on my consumer report that should not be on there. 
The reporting of these account ( s ) is/are violations of 15 USC 1681a , The Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; So let me explain. Under the Truth in Lending Act 15 USC 1602 ( g ), credit card is defined as the following : The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. 
This makes my social security card, drivers license/ID, and license plate credit cards that are/were used for the extension of credit. 
I demand this account be deleted from my consumer report.
Consumer complaint received 2020-01-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: SYNCHRONY FINANCIAL (NV)

Paypal Credit. I never opened this account, someone opened it in XX/XX/XXXXfrom what Paypal tells me. Recently someone has been using it XX/XX/XXXXand I received a bill, I called Paypal credit filed a report in XX/XX/XXXX even filed a police report as they requested. They failed to close the account as I requested the first time in XX/XX/XXXX when the account was owed only {$200.00}. They left the account open after my pleading with them on three occasions, now the account is over {$1000.00} Three separate times they have denied my fraud claim and this is adversely affecting my credit for two months. I never opened this account or charged on it. I plan to join a class action lawsuit as well since I have been trying to clear this up with Paypal and synchrony credit. They will not even give me the email information that this account was opened under.
Consumer complaint received 2022-02-21
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. (TX)

I did not authorize any of the listed inquiries below and request that they all be Deleted from all three credit reporting agencies. Thank You. 

Inquiries Creditor Name Date of inquiry Credit Bureau XXXX XX/XX/2021 Equifax XXXX XXXX XXXX  XX/XX/2021 XXXX XXXX XX/XX/2021 Equifax XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX
Consumer complaint received 2022-11-21
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. (GA)

In accordance with the Fair credit reporting act the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX acct # XXXX Limited reporting information XXXX XXXX XXXX acct # XXXX XXXX XXXX  ACCT # XXXX The above account names has violated my rights 15 USC 1681 section 602A states I have the right to privacy 15 USC 1681 section 604 a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions 15 USC 1681C ( a ) ( 5 ) 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 The conviction of crimes which antedates the report by more than seven years 15 USC 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 calls to believe that the information is an accurate
Consumer complaint received 2022-11-21
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. (FL)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the XXXX credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be updated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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 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 2018-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I reported an inaccurate debt collection for investigation to Transunion on XX/XX/XXXX and on XX/XX/XXXX they verified it as accurate. This debt was already paid to the original creditor prior to the reporting date of XX/XX/XXXX by the collection agency. The collection agency has not provided any proof that a debt is still owed. I have a receipt from the original creditor to substantiate my position as well.
Consumer complaint received 2016-05-06
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: First Data Corporation (GA)

I woke up and checked my account and found that about 2 hours earlier when I was sleeping a charge of {$100.00} was made at XXXX, i disputed charge and XXXX denied claim with no reason, and I did provide signed doc stating I never made this charge and my card was in my possession.
Consumer complaint received 2019-12-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

To: Whom It May concern:I am writing to dispute a fraudulent charge on my account in the amount of XXXX, XXXX, XXXX.I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Act’s amendments to the Truth in Lending Act, 15 U.S.C. §§ 1666-1666b, 12 C.F.R §226.13. See Also 12 C.F.R § 226.12(b)-- CLOSED ACCOUNT --1. XXXX XXXX XXXX XXXX with ACCT #XXXX opened on XX/XX/2015 with a credit limit of XXXX-This is not my account.-- AUTO ACCOUNT --2. XXXX XXXX XXXX XXXX with ACCT #XXXX opened on XXXX XXXX XXXX with a credit limit of XXXX-This is not my account.-- COLLECTION ACCOUNT --3. XXXX XXXX XXXX with ACCT #XXXX opened onXX/XX/2015 with a credit limit of XXXX-This is not my account.
Consumer complaint received 2022-02-21
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: I.C. System, Inc. (PR)

The IC System Inc. company reported a collection account in the Credit Report. This one comes from XXXX. The account number shown is XXXX. They allege that this server has an account with them in Nevada that was left unpaid. 

Currently this is affecting my credit ; and on several occasions I have asked IC Systems to send me evidence of this account. Which they haven't done. Or that they prove to that I am the person who owns the account. These allege that I apply for the same in Nevada. I have never lived in Nevada, much less applied for an account with Spectrum. 
I have been living in XXXX XXXX since I was born. 

I will be very grateful for anything you can help me with. My email address is : XXXX, my name ; is XXXX XXXX XXXX. 

I will be at your disposal for any question or doubt in this regard.
Consumer complaint received 2022-02-21
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF THE WEST (CA)

Bank of the West states they will make over draft payments at their discretion. 
I am not signed up for overdraft because Bank of the West has charged XXXX a day and at their discretion will charge {$70.00} a day. 
I had an issue last year with a total of {$270.00} in fees. They refused to listen to my calls. I went into the branch and the manager refused to reverse charges.

I was told that they can list deposits and debit in the order they wanted on your account. 
I now have a XXXX  charge for XX/XX/XXXX and the XXXX  charge for the XXXX. In their writings they say that they wont charge XXXX  for five days yet now I have a charge for XXXX on two consecutive days. 
I have written to the bank and ask them to remove one of the charges and Im hoping theyre not going to add another charge today. I will not get any money into my account until the XXXX of the month. 
Bank Of The West abuses their overdraft charges.
Consumer complaint received 2022-11-21
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. (TX)

I value your help to REMOVED a portion of the data on my credit file that came about because of FRAUD yet I have an Item passed on that should be taken out or blocked. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/2022 ; XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/2022 ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance XXXX {$0.00} ; ( Original Creditor : XXXX XXXX ) XXXX Balance : {$2200.00} ; XXXX XXXX  XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022 ; XXXX XXXX  XX/XX/2022
Consumer complaint received 2022-02-21
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL (CA)

Synchrony bank is an online bank through which I purchased a laptop computer via another online retailer ( XXXX & XXXX ). Synchrony bank did not mail me ( or email me ) any statements and in XX/XX/XXXX added a whopping {$1000.00} charge to my account when my balance was down to {$740.00}. I called them to pay off the balance without this charge and see if I could get the interest from XXXX and XX/XX/XXXX reimbursed to my account. Synchrony was unwilling to discuss the issue to resolve and offered no alternative to me other than to file a complaint with you. 

Synchrony bank told me that I could log into my account to see the statements but that is incorrect. I can not see the statements as they pop up in the browser in a tiny window that is illegible. To view the statements correctly, I would be required to download the PDF as I can not see the statement online without downloading them. This practice appears to be unlawful. I have downloaded and attached the statements from XX/XX/XXXX and XXXX XX/XX/XXXX. 

See attached pop up statement that is illegible on the computer screen. After downloading this file I need a 3rd party viewer ( XXXX XXXX ) to open the file. I also do not know the full account number as I do not have a card, I only know the last 4 digits of the account that end in XXXX.
Consumer complaint received 2016-03-25
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: First National Collection Bureau, Inc. (AL)

I received a letter from First National collection bureau regarding XXXX funding. I have documentation from XXXX who told me they are not going to attempt to collect on this because its over 10 years old and they are barred from trying to collect on it. But XXXX broke their promise and still are trying to collect on a 10 year old debt. A debt is suppose to stay on your credit for 7 years and fall of, but they keep trying to collect on it.
Consumer complaint received 2022-11-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO. (CT)

Chase gave us a balance transfer of XXXX on XX/XX/2022. This was supposed to be interest free for 15 months. 
On our XXXX statement we were charged XXXX for interest on our transaction balance. We paid the transaction balance before the due date. 
When we called the representative said the Chase charges for the transactions when they occur. So if we charged for example {$10.00} on Monday it would have to be paid on Monday ( the same day ) to avoid paying interest. 
When we got the balance transfer we were not told about this. Also if this is the policy why didnt the bank charge interest in XXXX and XXXX? 
Thanks
Consumer complaint received 2022-02-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (CA)

Navient notified me on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX that my payments would be increasing. The emails directed me : " How to apply now Apply online : Visit StudentAid.gov to get started-it 's the easiest and fastest way to apply. 

Apply by fax or mail : Visit Navient.com and download an Income-Driven Repayment ( IDR ) application, or give us a call at XXXX and our automated voice response system can send XXXX to you. Then, return the completed form and supporting documentation to us by fax or mail. 

Fax : XXXX Mail : Navient, XXXX XXXX XXXX, XXXX XXXX PA XXXX XXXX Visiting the studentaid website on XX/XX/XXXX and even today XX/XX/XXXX I receive the message " Our records indicate that you are not due to recertify your income until XX/XX/XXXX. 

If this date has not hit yet, and you select this option, your servicer will not re-calculate your payment based on your updated information until XX/XX/XXXX. If you want your payment to be immediately recalculated, select the third option to have your payment recalculated immediately for the income-driven plan you are currently enrolled in. '' After a phone conversation with Navient, I was informed that they do not take any responsibility for the information present on studentaid, despite the fact that they directed me there as an option to recertify. The communications from Navient did not notify me that there may be an issue with recertification via studenaid. 

I am frustrated that Navient continues its pattern of directing me into forbearance. In order to recertify with Navient, I needed to put my now " past due '' accounts in forbearance while they process the recertification.
Consumer complaint received 2019-12-05
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BANK OF THE WEST (CA)

https : //www.bankofthewest.com/XXXX XXXX Bank of the west is running a promotion ( seen in the link below ). 

I tried to apply online but the website sent me an email saying my identity could not be verified, so I called a branch nearby ( XXXX XXXX XXXX XXXX, XXXX, CA XXXX ) and made an appointment stating that I would like to come in for an account with the promotion. 

I arrived at the branch at XXXX on XXXX. Sat down with a relationship banker named XXXX XXXX XXXX. She was very slow in processing my request, and she kept saying that she had to apply a promo code although on the website the promo code is automatically applied. Then she proceeded to take down the application ID that I was given in an email and wrote down my social security number on a post-it ( which she never shredded at the end ). She kept telling me that she could not locate my application, despite the email telling me that I should be able to pick up on my application in branch. 

I explained to her that I didn't want to make another trip, but she kept going back and forth pretending to talk to the people behind the desk. And when it was time for the branch to close, she told me that she " got the confirmation that she can not open an account ''. and that I would need to go to another branch. 

I just asked her to open an account, and regarding the promo code, I read to her " promo is automatically applied '' verbatim ( as is written on the promotion page linked above ). She still refused. There are clearly a few things wrong with what happened : 1. The banker 's unprofessional behavior - jotting down social security number on a post-it and never shredding it. 
2. Not being ready for the task even though a customer had called the day before explaining the situation and made an appointment. 
3. The branch not honoring what is publicly advertised online. 

I am very frustrated and disappointed with the way I was treated as a customer. 

I have a recording of the phone conversation when I called in to make an appointment as well ( my phone records every phone call ).
Consumer complaint received 2022-02-21
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. (DE)

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

15 USC 1681 SECTION 602. A. states I have the right to privacy. 
15 USC 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. Code 1681a - Definitions ; rules of construction 15 U.S. Code ( A ) subject to section 1681s3 of this title, any 15 U.SXXXX Code 1681b - Permissible Purposes Of Consumer Reports 15 U.S. Code 1681 - Congressional Findings And Statement Of Purpose 15 U.S. Code 6802 - Obligations With Respect To Disclosures Of Personal Information 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies 15 U.S. Code 1681 - Congressional Findings And Statement Of Purpose 15 U.S. Code 6801 - Protection of nonpublic personal information 15 U.S. Code 1681s2 - Responsibilities Of Furnishers Of Information To Consumer Reporting Agencies 15 U.S. Code 1681n - Civil Liability For XXXX XXXX 15 USC 1692j. Furnishing certain deceptive forms