davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-19
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. (MO)

Hi, I opened an account online and made a deposit of {$50000.00} my intention was to wire transfer to myself that money. I was doing it through Chase bank because my current bank ( XXXX XXXX ) doesnt have international wire transfers. After the funds were successfully transferred I made a wire transfer of {$25000.00}. The transfer was cancelled and my online account was blocked so I called to validate my info and unblock my account. After the account was accessible again I called again to ask if was all ok so could make the wire transfer, the agent told me I could so I did but the transfer was cancelled again and my online access blocked again. I called again but this time I had problems and the agent told me I had to go to a branch and I had to explain I was not in USA and because of COVID-19 I  couldnt travel from XXXX to US. I opened a previous complaint and the company responded saying I had to call and authenticate my self so the funds could be released to me. I called customer service and they asked me my phone number so they could send a text to verify, I gave my registered number but they said it was not correct. I told them that was my number and I had an email with the confirmation of that number being activated, I even told the agent I can send a text to XXXX and get information about the account and the agent told me she cant see that and doesnt believe I had access to the account using my number so they said again I have no option but to go to a branch. So even though I gave my SSN, full name, address and date of birth they said they couldnt validate was me because of the phone number. I called a couple of more times and they didnt care about the travel restrictions and all told me I had to wait whatever time to go to a branch. Now the travel restrictions are extended until the end of XXXX and the bank is refusing to return my money. Why the bank didnt block the account when I made the deposit? Why they blocked my account after I made valid transactions allowed by the system? And why after validate my identity several times and requested verification codes several times they still refuse to give my money back? The bank has been unable to explain what was the security risk, the response was that they can block the account unilaterally just because they can. Im attaching the email as proof that my number was activated
Consumer complaint received 2018-01-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK (CA)

On XX/XX/XXXX I submitted two payment for which one of those was returned due to a problem with my checking account. My account number was changed for a dispute I initiated with my Bank and a new number was given. By the time I used my available funds and I noticed the payment was returned Discover Payment Department closed my account without notifications, grace period, email, calls, letters and/or explanation other than " My account is being closed for unsatisfactory payment history '' this is a lie because I 've never been late, and that day I submitted two payments. This Credit Card company has violated my rights and discriminated me without further notice. I 'll ask the to reopen my account since the reason they closed it for is null and/or not truth. I 'm planning on pay my over limit 's credit on my real due date, date they could n't wait for. Please, reopen my account and give me back my rights, as in the pending cash back earned so far that they need to double and full access to my account. I 'm forwarding this complain to major companies for review and investigation to this Payment Department Team who 're closing customers account for little mistakes and without further contact.
Consumer complaint received 2017-07-13
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. (NY)

I was a victim of Identity theft, I submit the police report my ID, proof of address, government id, basically everything they require and they still have not remove inaccurate items from my credit, even with the XXXX cancellation of debt due to ID Theft. I do n't know how companies investigate, I do n't think they read the information they request or they do n't properly investigate. Please see previous complaint ID # XXXX, XXXX, XXXX. I have been emailing proof that. <P/>XXXX Loan # XXXX this account is not mine, and XXXX verifies with XXXX with XXXX, at XXXX on a verbal verification that this account is not being reported, that it should be deleted. Even when they did the verification over the phone and the account is still reporting on my credit. It 's a shame they do n't follow laws and they do whatever they want with people credit. Please see letter from XXXX attached. <P/>XXXX account XXXX That account is not mine, is Fraud. XXXX Account # XXXX That account is not mine is Fraud. XXXX 's Account # XXXX That account not mine is Fraud, XXXX 's sent me a XXXX a cancellation of debt. Please see attached. XXXX XXXX XXXX This account is not mine, it was fraud, I received a Cancellation of Debt for this account.
Consumer complaint received 2017-09-13
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. (AR)

Hello, Recently I was part of the Equifax credit information hacking. It really astounds me that a private company can stand to profit from their own mistake in that I have to PAY to freeze my credit when I did n't consent to my information being stored by Equifax. 

Additionally, I would like to know why it took them months to tell us ( not even personally, only by news outlets )? 

Thanks
Consumer complaint received 2017-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (IL)

On XX/XX/XXXX, I reached out to the BBB for assistance on an Equifax, Inc. complaint. In XX/XX/XXXX, I had tried to access my credit report online through credit monitoring software many times and was unable to do so. Several lenders and credit card companies also tried to pull my Equifax credit file and were not able to do so ; this has been going on for over a year. In XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, I reached out to Equifax to get this resolved but I was told my credit file was too large. After the BBB started an investigation, an Equifax representative stated they were sending me a copy of my credit report. Since then, no credit card company, mortgage lender, and even I ca n't access a copy of my Equifax credit report. Today, XX/XX/XXXX, I contacted Equifax again and was told by a CSR that I have two credit files that need to be merged into one so that my credit report can be pulled/accessed. However, when I asked the CSR about merging the file so it could be pulled/accessed, she stated she could not merge the file. She also told me online credit reports, credit monitoring services, lenders, and credit card companies can not pull my file because it is split. I have made multiple calls to Equifax on this issue to no resolve. I have been denied several mortgages and multiple credit cards since my Equifax file ca n't be pulled.
Consumer complaint received 2017-07-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (VA)

Good evening, I 'm making a class complaint i n behalf of many who have shared similar issues with Wells Fargo. I will provide a routine scenario : Customer has XXXX in their checking account. Customer attempts to purchase with their debit card a XXXX dollar item and the transaction is declined. Customer calls the bank and inquires. Banker at Wells Fargo states that their daily limit is XXXX dollars. Customer request a temporary increase. Banker attempts but comes back with an answer " Sorry sir, the computer will not allow me '' customer effectively can not access his money from his account. There are many people in this class that Wells Fargo has barred access from using their debit card even after full verification to make purchase. The debit card is the new electronic check but with restrictions that preclude good people from accessiing their accounts. Please investigate this issue.
Consumer complaint received 2017-07-12
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)

There are two collection accounts on my credit report that I have disputed several times through the credit bureaus, directly with the collection agency and through the Better Business Bureau. Each time it comes back verified but they have failed to provide proper documentation that supports their claim. They are in violation of the Fair Credit Reporting Act by reporting inaccurate information and in violation of the Fair Debt Collection Practices Act by not validating the debt. <P/>The accounts are as follows : XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX
Consumer complaint received 2017-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: CORELOGIC INC (NJ)

Received a response from CoreLogic/SafeRent on XXXX/XXXX/2017, to the dispute i filed, but the issue has not been resolved.
Company did delete 1 of the 10 " court filing inquiries '' that were in dispute but refuse to delete the rest ... Even when I expressed to them that the information they are reporting is false & misleading, and also provided documentation from my current rental property manager, that I have never been evicted, had any judgements against me or owe any balances!!
Consumer complaint received 2018-01-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (MI)

This is not my account, I 've never authorized for services through XXXX XXXX XXXX. If they can prove with a written signature that I authorized this services, please have them show that. I have never had XXXX XXXX XXXX services. I do n't rent a home why would I need this service. This is not my account.
Consumer complaint received 2017-07-13
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. (CA)

XXXX XXXX is reporting erroneous inaccurate and absolete NEGATIVE information to my credit report. I was never late on this card payment, please see attached letter of explanation that I sent to XXXX several times and received NO reply from them at al ....
Consumer complaint received 2018-01-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO. (CA)

Unauthorized, to best of belief and knowledge, with no real reason ( s ), Chase Bank on XXXX XXXX in XXXX, CA performed account balance Inquiries from XXXX or vice versa, which cost the customer money, causing domino spinoff effects from service charge fees. ( Ex. 
if there are scheduled online bill payments, that neither bank may know about, as this is not evident in the balance inquiry, what may be processing, the affixing of fees for the inquiries can start a fee progression. The balance inquiry is without consent, without knowledge, costing a service charge for each inquiry. It can then domino into {$35.00} service fees as the inquiry fees cause account to dip. 

FEDERAL COMPLIANCE : This may be a federal regulation violation, bank policy violation, privacy violation, account security violation. Breach of privacy and confidentiality.
Consumer complaint received 2017-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: EQUIFAX, INC. (CA)

After the Equifax leak, all credit bureau 's should make all aspects of freezing consumer credit, free of charge. Freezing, temporary lifts, and removals, should all be free.
Consumer complaint received 2017-07-12
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Comerica (TX)

My social security benefits were due to be deposited into my account on the XX/XX/2017. Upon calling to check my balance, I discovered that there were 2 transactions on my account which totally wiped my account clean, neither of which were made by me. I have tried since XX/XX/2017 to rectify disputing these transactions with XXXX XXXX, but to this date, they have been unsuccessful at transferring me to a level II agent as they state there are high call volumes and the phone continuously hangs up. I am a senior citizen with no way of taking care of myself except for the money that I receive from Social Security. The amounts were XXXX and XXXX. I found out that someone had duplicated my card and went to a XXXX XXXX in XXXX, Texas ; and purchased two Gift Cards, 1 for {$500.00} and they used the remaining balance from my card and another card to purchase another {$500.00} pre-paid gift card. <P/>I look forward to hearing from someone soon in regards to this. <P/>Thanks, XXXX XXXX
Consumer complaint received 2017-12-31
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)

Noticed account listed on credit file with multiple errors : late payment history, missing data, incorrect balance and unrecognized interest and fees. Disputed account with credit bureau to obtain validation of data being reported. They have knowingly reporte inaccurate, unverified data without proper debt validation. I requested that XXXX XXXX provide validation under FCRA sec 609 but after 60 days I have yet to receive proof and this is a clear violation of my consumer rights.
Consumer complaint received 2017-07-12
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Activehours (MD)

I asked for help provided everything they asked of me. They still have n't reset my account. It takes 4 days for them to answer. They do n't use the screen shots I provided. They overdrafted my card and I took a screenshot of policy saying in that case there will be a refund. Please fix this asap
Consumer complaint received 2020-04-26
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC. (AL)

Ally Auto Financial is reporting a 30 late payment history on credit report with all 3 bureaus. It  has reported previously XX/XX/2019 then changed to XX/XX/2019. In addition to that, they have listed incorrect payment dates. I have attempted to resolve by both phone and mail with the company. I spoke with a customer service reps between XX/XX/XXXX-XX/XX/XXXX and was informed that they could only " go back 3 months, they would submit the review request but would be unable to verify anything being it had been over 3 months since it had been reported ''. They then sent a letter saying upon their " investigation '' it was correct but then coindentally there was a change on my credit reports of the 30 day late payment from XX/XX/2019 to XX/XX/2019. I have been trying to resolve the matter and get my credit report corrected for this account but this company refuses to do so. I submitted in writing as well and provided documentation to them of payment confirmations of original payment date.
Consumer complaint received 2017-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

Regarding compliant #  XXXX .  XXXX   XXXX  is being reported as a medical debt owed. However, no such debt is owed due to my insurance paid the original creditor. Also, I was not given notice that I owed a medical debt. I seen this on my credit report for the first time. Equifax removed  two  debts from this company and left the other two. I dont know why all was not removed.
Consumer complaint received 2017-12-31
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)

Please be advised I have requested validation { not verification } of a medical debt reported to you by XXXX XXXX XXXX XXXX on XX/XX/XXXX. I received a response that clearly violates my rights according to HIPPA on XX/XX/XXXX. 

XXXX XXXX XXXX XXXX, or the original creditor XXXX XXXX XXXX XXXX XXXX did NOT provide me a HIPPA release that releases my medical information to the debt collection agency, therefore by providing such information they are in VIOLATION of my HIPPA rights. I am proceeding with legal action as prescribed by law against the above named original creditor/collection agency should this item not be deleted within the required time allowed by law. I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. Additionally, this debt was paid by FL XXXX. I have attached my benefits approval letter and XXXX ID card to prove my case was opened in FL. 

I reached out to Equifax, XXXX and XXXX to let them know this debt is in violation of HIPPA but Equifax Or XXXX didnt delete it form my report, while XXXX did delete it..
Consumer complaint received 2023-02-13
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)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Consumer complaint received 2017-07-12
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: TCF NATIONAL BANK (IL)

XXXX XXXX here ... <P/>I noticed the suit in process for TCF BANK who I 've used for 3-4 years now as my personal bank. Due to actions that reduced my income dramatically and right b-4 my discharge from My job I had gave up all my savings to help my XXXX year old brother with major hospital expenses and his personal bills etc a few years back.Then about 7 months pass and my XXXX yr old grandmother XXXX her XXXX. That completely drained me and I 've been financially drained because of this I have had several overdraft fees ( definitely more than their avg clients ) a rather large amount of overdraft fees. Here 's my problem mainly. They would honor a payment to a company I owe if I was short in my account, charge me the {$37.00} overdraft fee sometimes more than once and then they would kick or take back the payment they honored from that company ( adding more fees and problems ) and STILL CHARGE ME ALL THOSE FEES.. Never reversing them! Not even after reversing the payment they honored then after a few days took back!!! It 's embarrassing but life was much better before TCF. I believe I have a place in that case based on that. Can You let me know? TY ... XXXX XXXX XXXX ... .XXXX XXXX
Consumer complaint received 2022-10-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (FL)

Despite multiple attempts to remedy my issue, the company Equifax , Inc. located at XXXX XXXX XXXX XXXX # XXXX, XXXX, GA XXXX XXXX Phone XXXX has not reported my account information or is able to give me a credit report. They have given multiple reasons for this negligence. This lack of reporting an actual consumer credit report or even a credit score has caused an adverse action to my personal well being as I'm in the process of purchasing a home. I have filed a complaint with the FL department of agriculture and consumer services with XXXX  # XXXX Attached you will see the failure to produce any information from this company
Consumer complaint received 2017-07-12
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: DriveTime (CA)

Drivetime XXXX  are liars. I have talked with so many people to the point where I give up. I have told them numerous times the car can not be driven. If you guys want the car please go pick it up. You all have done nothing for me the only reason you guys paid the fee to pick the car up is because your sorry warranty team did not pick it up when it stopped in the middle  of a busy road. I  will just keep filing complaints. You all are a scam and there are countless lawsuits.
Consumer complaint received 2017-07-12
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. (NV)

4 loans from XX/XX/XXXX-XX/XX/XXXXhave been paid and still show up on my credit report. I have late payments on current loans in XX/XX/XXXX and XX/XX/XXXX in which was deferred as I was a full time student
Consumer complaint received 2017-07-12
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (IN)

XXXX/XXXX/2017 -- I tried making my payment of {$610.00} and found out that they had a new process of adding fees to payments such as One-Time Draft Fee Schedule On or before due date-No Fee 1-4 days after due date-No Fee 5-9 days after due date- {$5.00} 10-15 days after due date- {$10.00} 16 days or more after due date- {$10.00} My payment with my previous lender was on the XXXX of the month because I am on social security and only get paid the XXXX  Wednesday of the month. When the mortgage was sold to this lender my first payment was last month and I paid {$610.00} on XXXX/XXXX/2017 without penalty and I also talked to representative at that time and he stated that I had 15 days to pay without penalty. They are not calling this a late fee but it really is. They changed my payment date and are charging for being late -- I believe as a XXXX Veteran on Social Security they are scamming me. The name of the company is Loancare in XXXX XXXX, VA XXXX -- watch out for these crooks.
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XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, Indiana XXXX XXXX