davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-02
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. (VA)

It appears that my credit has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block these files. 
XXXX XXXX XXXX Balance : {$560.00} XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX Balance : {$2200.00} XXXX  XXXX Balance : {$12000.00} XXXX XXXX XXXX  ( Original XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX XXXX Balance : {$73.00} XXXX XXXX XXXX  ( Original Creditor XXXX XXXX XXXX  XXXX  ) XXXX Balance : {$110.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$160.00} XXXX  XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$160.00} If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2022-03-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A. (OH)

i used my pnc bank debit card to make a purchase for XXXX at XXXX. the item i purchased stopped working about a week later. i went back to the store with my receipt and tried to return or exchange it. the store refused and said no returns on open electronics but the policy online says i have 30 days to return an item for an exchange or refund. i contacted pnc bank and was told i was protected for damaged or defective items as long as i can provide proof of purchase and date of purchase. so i filed a dispute and was told that it would take 45 to 90 days for a resolution and within ten days i would be issued a provisional credit pending the outcome of the review i called this morning to check on the status of my case and was told it was denied but refused a reason as to why. i was never able to provide documentation as to my side of the case. i feel that these actions violated my financial due process rights under XXXX XXXX laws and demand an inquiry of this matter and a reversal of this decision
Consumer complaint received 2022-10-07
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO. (FL)

Chase has taken advantage of a shift in my financial situation. For a short period of time of about a week, I let my account stand still and the bank has charged an abnormal amount of fees on overdraft charges. The charges in question are debit card auto transactions at were allowed to pass by Chase due to opportunity for financial gain in the form of a fee. A XXXX USD charge should not warrant a XXXX USD fee along with 3 or 4 others, within a few days time. I had spoken to a representative and was waived 3 overdraft fees plus a monthly service of XXXX USD for not having consistent direct deposits on the account. 

I had a discussion with the representative about why some recurring charges are continued to allow to process with no funds, and I was advised it is at the discretion of the bank. I dont see alot of discretion because everything is allowed through to put me, the consumer, at a disadvantageous position because now I owe the bank fees for something that should not have processed at all. Although policy may be codified in terms and conditions, this doesnt make what I and Im sure millions of other customers, fair. Im sure terms and conditions dont absolve Chase from regulatory oversight of their predatory fee structures. 

Chase makes billions in overdraft fees each year, and off the backs of lower income citizens. There was a study spearheaded by CFPB thay showed Chase raked in 7x more in overdraft fees in 2020 ( in the pandemic mind you ) than their big bank competitors. Of the billions raked in, only 9 % of accountholders were responsible for paying those fees. That is absurd. That is targeted and predatory. I can fathom the weight behind such a fee structure having been on the receiving end of these fees in not even a freakin weeks time. 

Ive been with Chase for like 17 years, and this sequence that I experienced with them makes me feel slighted and drowned out in a sea of nameless customers in their big bank. They would fee me to my grave if they had it their way. I feel their fee structure is a XXXX violation, its abusive and unfair. Why would it be ok to fee someone so egregiously while they are potentially facing hardship, its really unfair. 

Here is a link to a mention of the study I reference : https : //www.warren.senate.gov/oversight/letters/warren-booker-maloney-blast-jpmorgan-chase-bank-of-america-and-wells-fargo-for-continuing-to-profit-from-overdraft-fees-that-target-low-income-americans * I can not as of today access my closed checking account with Chase, but if needed I can request statements or records of the fees mentioned.
Consumer complaint received 2022-06-09
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. (NM)

There are several accounts being reported on my credit report. I do not know any of these companies. I have never done business with any of them. These collection accompanies do not have a contact with my signature.
Consumer complaint received 2022-03-18
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)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2022-08-02
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. (OR)

In accordance with the fair credit reporting act XXXX  Bankruptcy XXXX  XXXX Reference number : XXXX has violated my rights 15 U.S.C 1881 section 602 A. States I have the right to privacy 15 U.S. C 1681 Section 604 A Section2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-06-09
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: CITIBANK, N.A. (CA)

On XX/XX/2022 I was booking flight on XXXX XXXX. Citi Bank AAdvantage Platinum select card had a promotion stating that if I applied for card, and was approved I would get XXXX dollar credit on statement if I used new approved card to pay for current flight I was booking. I was approved within minutes and received confirmation email. However when I went to pay airline fare I had no credit card information to pay for ticket. I called XXXX XXXX and they said Citi Bank should provide temporary number since, in order to get the promotion I had to book using new card. I called Citi bank and they said I should have gotten email with temporary number in order to book flight and received promotion award. While received email confirming approval, I did not get email with temp number. Citi Bank rep XXXX informed me that temporary numbers are sent via automated system and that there was no way to manually send temp. number. She said I would have to wait 7 days for card. Obviously this would not work because I can't hold flight reservation for 7 days.
Consumer complaint received 2022-03-18
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. (OH)

In accordance with the Fair Credit Reporting Act these companies have violated my rights : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-08-02
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. (CA)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I have sent multiple attempts to dispute the information in my credit file which resulted from an alleged identity theft. Again, Im sending over an identity theft report # XXXX Pursuant of FCRA section 605B ( a ) ( 1 ) ( 2 ) you are required to block or remove any information in my file that resulted from an alleged identity theft, not later than 4 business days after the date of receipt with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-03-17
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (DC)

Hi, I can't believe you guys are taking advantage of me. I AM VERY XXXX the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than XXXX. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : XXXX XXXX XXXX XXXX Infamis of pulls for the following pulls : XXXX XXXX XXXXXXXX XXXX - XX/XX/XXXX XXXX XXXXXXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 XXXX XXXX XXXXXXXX account shows that I have a late payment on XXXX XXXX which is incorrect and balance is current and on time. 

Remove all late payments and change the payment status to current because of Cares Act. 

This account was paid as agreed on time I was never late XX/XX/XXXX this is information is inaccurate and completely false. You can not report inaccurate information this a violation XXXX false misreporting please update account to current and paid as agreed on time XXXX
Consumer complaint received 2022-06-09
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. (NJ)

I have some inquiries on my credit report that do not belong to me XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax 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 2022-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a XXXX  for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block these files. 
XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2022-03-17
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Alliance CAS, LLC (FL)

On XX/XX/XXXX, I have received an ACCOUNT STATEMENT GOOD THROUGH XX/XX/XXXX FROM Alliance CAS, located at XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, Phone XXXX XXXX XXXX, e mail : XXXX stating the amount of {$6300.00} will be sent to collection. 
Alliance CAS letter did not give any details and how those amounts were arrived at. At this point, I would like to bring to the attention of CFPB as follows : 1. Original Complaint No : XXXX was made on XXXX/XXXX/XXXX XXXX. Alliance CAS reply received through CFPB on XX/XX/XXXX XXXX. I was given 60 days to respond. 
4. Due to XXXX problems that led to XXXX my mobility was restricted during the month of XX/XX/XXXX leading to part of XX/XX/XXXX. 
5. I have contacted CFPB explained the circumstances that were beyond my control. 
6. I was given a 15 days grace period to respond to the reply of Alliance CAS. 
7. Finally I have given my response on XX/XX/XXXX under a new Complaint under file XXXX : XXXX honestly believing that this response will be forwarded to Alliance CAS without fail. 
8. I was told that I have to submit my response to the answer to Alliance CAS under new clam # XXXX which I did. 
9. Since I did not get any response, contacted CFPB by phone on Friday XX/XX/XXXX only to find out the contents of File # XXXX were never forwarded to Alliance CAS. 
9. By not forwarding my reply, I strongly feel my rights to be heard were compromised. 
10. The Agent, XXXX informed their system did not recognize the XXXX # XXXX as my response to the response of Alliance CAS . 
11. XXXX informed that I should make another New complaint adding the above two File XXXX. 

Hence, I hereby submit a new claim and attach the following documents in support of my claim for your review, verification and resolution of my agonizing XXXX issues Thank you XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-03-17
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MD)

I sent in multiple letters on XX/XX/2022 addressing these situations and you ignored my letters. However, I need these laws applied to my report or I will take legal action.

15 U.S code 1692 ( g ) validation of debt 15 U.S code 1692d harassment and abuse 15 U.S code 1692e False or misleading representations 15 U.S code 1692f-Unfair practices Under 15 U.S code 1692k civil liability
Consumer complaint received 2022-06-09
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. (FL)

As of today, Thursday, XX/XX/XXXX, via a call to their billing office at XXXX at around XXXX XXXX XXXX, XXXX again confirmed that they have sent an email to XXXX XXXX XXXX to remove this fraudulent reporting of collections on my credit reports. However, they are claiming they do not have adequate processes to quickly have it removed. For example, they are claiming that XXXX XXXX XXXX and XXXX have a system to remove these fraudulent reports only once a week and that it may not even be communicated until this Saturday. 

Again, XXXX quickly removed this report because it was a prima facie instance of fraud. My name and address were misspelled, and so was the proper insurance information. My household income is over {$200000.00} annually, I have a net worth of over {$1.00} XXXX, own four properties, and had a credit score of around XXXX. To suggest that I did not have the capacity, or basic financial prudence, to pay a bill of less than {$400.00} is honestly a joke. Meanwhile Experian is somehow still processing my reporting of fraud because, like almost always, it is still technologically inferior to XXXX. 

XXXX does not know how to abide by basic expectations of the Fair Credit Reporting Act, and the agreement between XXXX and XXXX XXXX XXXX whereby these instances of fraud are only communicated once a week is anti-consumer and should be grounds for legal action by the Federal Government.
Consumer complaint received 2022-03-17
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. (NY)

Regardless of the multiple written requests, the unverified account listed below is still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please update this completely from my Credit Reports : XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-03-17
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (NY)

On XX/XX/2021, the SBA deposited {XXXX} into MY CITI BANK ACCOUNT. CITI BANK decided to call it FRAUD and close out my account and keep my funds until this day. I don't know where my funds are. They will not return them to me nor the SBA. They will not give me any information nor have they returned me my money. They are a horrible and unprofessional company. They are saying I am committing FRAUD when I submitting countless proof that I owe a business and am entitled to those funds from the SBA.
Consumer complaint received 2022-08-02
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)

More than a month has already passed by and the Equifax Credit Bureau have yet to respod to my letters. The last letter I sent to the Equifax was dated XX/XX/XXXX with complete attachments of my personal Information as well as the ID THEFT REPORT I received from the FTC. Since then, I never received anything in return from Equifax. On my letter, I requested that the Equifax provide me proofs of validation or documents bearing my Signature to prove the their claims that the disputed items belong to me and yet they have sent me nothing! I have read that the Credit Bureaus are requried to remove any accounts and informatio resulting from the theft of a consumer 's Identity under the Provisions of the FCRA section 605b. I have read enough to understand my rights and it is clear the Equifax 's wiillful non-compliance of the FCRA statute is a violation of my rights. If the Credit Bureaus can not prove the items ' authenticity, I need the Credit Bureaus to remove the items from my Credit report : 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 2022-03-17
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

2. Validate Account Account Number : XXXX Please remove it from my credit report.
Consumer complaint received 2020-03-10
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL (SC)

On my Lowes credit card, I was inaccurately charged {$140.00} interest for XX/XX/2019 ( {$1200.00} ) and XX/XX/2019 ( {$520.00} ) purchases that was returned and/or adjusted. The XXXX purchase was returned and XXXX purchase was adjusted to {$330.00}. Also, the XXXX purchase balance after the return was {$160.00}. This is the second time that I was inaccurately charged interest on returned items/purchases. Also, I paid {$160.00} on XX/XX/XXXX to ensure that I wouldn't be charged any interest, and the auto payment should've also posted to my account. It appears that my payment canceled the auto payment, which should've also prevent no interest charges..