davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (NV)

On the day of XX/XX/22 between the hours of XXXX, I went to Chase Bank and used the ATM machine to withdraw {$1000.00} from my Business Checking Acct., The money never dispursed from the machine, but was instantly deducted from my account. I immediately went inside the bank to speak with a customer agent about the error that took place, the agent filed a claim with the Chase Corporate Claims department. A few days later my account was credited with {$1000.00} from Chase, then a week later my account was deducted {$1000.00} from Chase, bringing the issue back of me being ripped off {$1000.00} from Chase. I then called Corporate Claims and was told they found no errors with their ATM machine and the matter was closed, this left me irate and considered their actions on the matter unacceptable. I then went to Chase Bank in person and filed a formal complaint regarding the treatment to me by Chase Corporate Claims Dept. on an error created by Chase bank. The formal complaint was filed and i was told that the Chase Complaint Dept. would call me in 1-3 business days, I haven't heard from the Complaint Dept and its been 7 business days since the complaint was filed.
Consumer complaint received 2022-09-30
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: Navient Solutions, LLC. (NV)

BEFORE XXXX XXXX  I HAVE ALSO BEEN INFORMED THAT I AM A VICTIM OF IDENTITY THEFT IN WHICH XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX IS REPORTING A NEGATIVE BALANCE OF {$22000.00} AUTO LOAN THAT IS NOT ME AND THE XXXX XXXX XXXX ALSO CONFIRMED I WAS VICTIMIZED. AND TO FILE A CLAIM, US DEPT. OF EDUCATION HAS A SCHOOL LOAN THAT DOES NOT BELONG TO ME WITH A BALANCE OF {$12000.00} XXXX XXXX XXXX IS REPORTING A BALANCE OF {$460.00} THAT DOES NOT BELONG TO ME. 

PER TITLE 15 SUBSECTION 1628 A THROUGH Z FCRA I AM A VICTIM OF IDENTITY THEFT AND TO PLEASE REMOVE THESE NEGATIVE ITEMS AND INQUIRIES BECAUSE MY CREDIT REPUTATION HAS BEEN DAMAGED AND CAUSING ME GRIEF TO NOT BE ABLE TO OBTAIN ANY FORM OF CREDIT IN MY NAME.
Consumer complaint received 2017-08-14
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY (NJ)

Need a discharge confirmation and I went to Couty Cleark to get it done, but the old bank XXXX XXXX does not exist any more. I am working on getting an equity loan. The mortgage made a mistake with the number XXXX and it should be XXXX.
Consumer complaint received 2017-09-26
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: JPMORGAN CHASE & CO. (IA)

I continue to get hard inquiries from Chase Credit Card company after continually contacting them and not getting the problem resolved. XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX.
Consumer complaint received 2023-01-03
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 act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX  XXXX XXXX : # XXXX Date Account opened XX/XX/XXXX ; Late payment dates XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, I contacted XXXX  XXXX to let them know was there anything I could do because due to XXXX my job hours were affected and the rep I talked to said they couldn't do anything but on their website, they have a customer assistance impacted by covid but couldn't remove my late payments. XXXX XXXX XXXX XXXX XXXX Date Account opened XX/XX/XXXX ; Late payment dates XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, I contacted XXXX  on XXXX to see if i could get my late payments remove and the rep said they will remove all late payments and make all current and paid, XXXX  XXXX : # XXXX Date Account opened XX/XX/XXXX ; Late payment XX/XX/XXXX, i contacted XXXX  and the rep said they will remove and also send an email and i never received the email to confirm and has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section 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 of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 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 cause to believe that the information is inaccurate.
Consumer complaint received 2023-02-02
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. (KS)

I am absolutely sick & XXXX tired of seeing the same, unchanged collection account reported month after month after month, dispute after dispute after dispute. Every time they say that its validated and I'm here to tell you that it is not, this is XXXX XXXX! XXXX, Equifax XXXX XXXX you're all liable for this too. If you'd do your jobs and complete a thorough investigation the 1st, 2nd, XXXX any time I dispute something, but no that's too much work, XXXX, it's like pulling teeth with all of you. Mentally, I am pretty XXXX far from okay. This is my life! Ya 'll tarnish my name and stomp on my rights. I am an American Consumer and I know my rights, the XXXX  stops here ya 'll, and I'm done playing this game. Consider this your last & final warning before I file a complaint with the XXXX XXXX account : XXXX XXXX  # XXXX XXXX XXXX, Look, I've got you checked, mates ; I've got all the proof I need to easily win. I'm not just asking for the minimum here either. I will seek emotional damages as well. I'm a XXXX  well rehearsed in consumer law and I am not playing around with this game anymore. I will file the complaint in U.S. District myself, and I will demand a jury trial. I'm filing this complaint at XXXX, Wednesday evening of XX/XX/2023. Just remove the account and I won't proceed with filing a case. XXXX, Equifax, and XXXX This is on you too. Don't think I haven't been building separate files of violations from you too. XXXX. CFPB- please feel free to pass to whoever, AG , FTC whomever. I'm keeping a copy for my own records.
Consumer complaint received 2023-01-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 

XXXX Account Number : XXXX
Consumer complaint received 2017-08-14
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ProCollect, Inc. (TX)

The original creditor was XXXX XXXX XXXX XXXX XXXX apartments. My husband and I moved in XX/XX/XXXX. We were evicted XX/XX/XXXX. The apartment complex " SOLD '' the contract to PROCOLLECT INC. they are reporting on all three credit reports that we owe a balance of {$5400.00}. This was placed in collection XX/XX/XXXX. We have sent out letters for them to validate this debt. However, they sent us a copy of the contract and another statement with the amount owed to them. They doubled the amount. We have reached out to them many times regarding this issue .... XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX,. We sent out several letters to which we have no response. We need this debt removed from the credit bureaus as soon as possible. They are making it hard to apply for credit and to move forward within our lives. This debt has so many unaccuracies. Please help us! PROCOLLECT INC is a SCAM!!!!!!!!!!!
Consumer complaint received 2023-01-03
Product: Credit card or prepaid card — General-purpose credit card or charge 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: DISCOVER BANK (FL)

Discover card is charging me for a stay at a hotel that I never stayed at - I cancelled the hotel stay before my stay was due but the credit card company is still charging me in spite of me not even stay there! This XXXX  was in another XXXX - I XXXX XXXX XXXX XXXX XXXX  The hotel was non responsive when asking questions so I had no way to confirm the company would pick me up from the airport in XXXX XXXX. I cancelled the stay due to me not feeling comfortable and poor service- my credit card company is allowing this charge to remain on my account even thought I never stayed here and received poor service from the hotel.
Consumer complaint received 2023-02-02
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. (FL)

I have tried contacting Equifax several times regarding some accounts that are on my credit report that are not mine. They usually come back with the answer " Verified '' which makes no sense for these accounts belong to a different named individual. However my middle name and last are similar which XXXX be the mistake everyone is over looking. 

My name is XXXX XXXX XXXX, and these accounts that XXXX aware of at this time so far are under the name of a XXXX XXXX XXXX which is obviously not me, I have attached my XXXX Main Government Id 's which are my Social Security and Drivers License both with my Correct name on them. 

Please remove these accounts as soon as possible for it is hurting my consumer report and I am unable to move forward into a home with my family. 

XXXX ) XXXX Bank Account # XXXX XXXX ) XXXX XXXX Account # XXXX Also there seems to be a Fraud Statement on my credit report that I did not Authorize. Please remove that statement for I made no such statement. I will be going through more accounts to see if there are other errors. Meanwhile please remove the above accounts that do not belong to me. 

Thank You XXXX XXXX XXXX
Consumer complaint received 2022-09-30
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (WA)

I opened a Citibank accelerated savings account in XX/XX/XXXX and deposited a total of {$10000.00} in two electronic transfers from my originating bank. These transfers were {$2000.00} on XX/XX/XXXX and {$8000.00} on XX/XX/XXXX ( see transactions attached ). On XX/XX/XXXX, I received an email from Citi saying that my account would be closed due to " violating the terms of your account ''. I have attached that email. In the email Citi said, " we will send any funds belonging to you to this address, once the account is closed ''. The email also said to call Citi 's fraud department for any questions. 

I have called Citi multiple times asking why the account was closed and when I would get the money sent back to me and if they could send back the money sooner than the 60 days the email said. It has now been 91 days since the email notification that my account will be closed. I have never received any mail regarding the issue despite their fraud department, when I call them, saying that I would get a letter. 

I have received a lot of conflicting information when contacting Citibank. They initially kept saying that a check would be mailed to me. However, they have also been saying that if I want to receive the funds back electronically, that I should contact my originating bank to " file a claim to release the funds that was deposited to my Citibank account ''. Those are the words of a Citibank fraud dept. representative. When I contact my originating bank, they say there is nothing they can do because my money was successfully deposited and it is up to Citibank to now resolve the issue. Whenever I ask Citibank to send the money back to my original bank they say it can not be done. So, I am getting conflicting information from both these banks. 

I also recently contacted Citibank 's executive response unit and they said they would look into the issue and it would take approximately 15 business days to receive a response.
Consumer complaint received 2023-02-02
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: FORD MOTOR CREDIT CO. (NJ)

XXXX XXXX XXXX Account number : XXXX Hi, During XXXX and XXXX of XXXX my account went past 30 and 60 days due to an error with us inputting the our new checking account. We sent XXXX a letter advising this was a mistake on our part, as soon as we were aware of the situation we paid the full amount owed of Your last payment of {$3000.00} was received on XX/XX/XXXX. 

During XXXX XXXX both my XXXX  a XXXX  XXXX of education teacher and myself owner of a small business contracting company did not work for over 2 years years. 
We paid ford every month not always on the due date but before 30 days so it didn't impact our credit. I have asked XXXX to remove the 30 and 60 day lates to no avail. 

Any help is appreciated. 

Thanks XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-09-30
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (OH)

I had an account with Paypal since 2016 and my account was permanently limited due to unknown reasons. I contacted paypal to see wha the issue was and they stated that it was due to a risk factor and I am unable to utilize my account. The company would not tell me anything as to what a risk factor is.
Consumer complaint received 2022-09-30
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. (SC)

This is notice that Equifax, XXXX and XXXX are reporting the following charge off accounts on my report. I have notified the Companies that have charged off the accounts that I didn't understand and made an uninformed decision at the time of the agreement as it was not clear and conspicuous. 
You may want to have this information removed or you will be held liable as well. 
I have listed the accounts below : XXXX XXXX  XXXX, XXXX XXXXXXXX, XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX
Consumer complaint received 2022-09-30
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: LEXISNEXIS (GA)

I recently went over my credit report, and I noticed that there are payments that are being reported as late. In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b, a creditor may not treat a payment on a credit card account under an open end credit plan as late for any purpose.
Consumer complaint received 2023-01-03
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. (AR)

Im submitting a complaint to you today to inform you I was the victim of identity theft. My credit report contains a significant number of unauthorized requests, as well as some erroneous reporting of Information. I can tell that someone has stolen my identity. As a result, I filed a formal report to the FTC with File Number # XXXX. In accordance with the provisions of FCRA Section 605B ( 15 U.S.C. 1681c-2 ), I have included that report in this complaint. Please remove these items from my credit record as soon as possible to comply with the law ( i.e., 4 days ). Please let me know if you require anything else. Please remove the following items as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX Balance : {$2700.00} XXXX XXXX Balance : {$650.00} XXXX XXXX XXXX Balance : {$460.00} XXXX XXXX XXXX Balance : {$12000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$3200.00} XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. I have read that under the FCRA section 605b, you are required by law to remove any accounts and information that resulted due to identity theft.
Consumer complaint received 2023-04-07
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)

I recently reviewed a copy of my credit report. I was shocked to learn I have been a victim of identity theft. This has been hurting me as I am in the process of buying a home for my family. Please remove the fraudulent accounts from my credit report immediately.
Consumer complaint received 2023-01-03
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. (CA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and updated : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-21
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: Paradigm Assets, LLC (TX)

I am highly upset the credit bureaus have not responded back to me about my investigation. This is a serious matter. I need these accounts that aren't mine to be removed from my credit report immediately. It's been more than 30 days and I haven't received anything. I did my research on the laws and Section 611 ( a ) states that failure to investigate these items within 30 days gives a reason to immediately remove them. Also Section 15 USC 1681a ( 2 ) ( iii ) I have the right to deny anything being reported on my credit report. The items I have provided in my letters I am asking you to be deleted immediately or I will have to file litigation due to the stress you cause me.
Consumer complaint received 2023-01-03
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. (CO)

The following credit bureaus have VIOLATED MY CONSUMER RIGHTS : XXXX Equifax XXXX XXXX5 U.S.C. 1681 section 602 A States I have a 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.

15 U.S.C. 1666 Billing Error Violation of 15 U.S. Code 1681 - Congressional findings and statement of purpose All three credit bureaus identify themselves lawfully as consumer reporting agencies according to their website ( XXXX ) I was told several times by XXXX and other bureaus that they will refuse to remove information from my credit report because " I haven't verified my identity ''. I have already sent them numerous complaints with my correct information such as my social, mailing address from my banking statement, and government ID as well. 

I have reported this information that is invalid on my credit file the bureau has not been able to provide me with a copy of the verifiable proof. Telling me as the consumer that information on credit reports is verified without proof of my natural being signature and written instructions is unlawful. The bureaus aren't above the law and must remove the information listed below and the attached docs such as the identity theft report. 


Additionally, the failure to respond with a free copy of my report after the changes have been made will result in the damages created by the following bureaus ; XXXX, XXXX, Equifax The following damages will be taken to civil court on XXXX 2023 in XXXX XXXX if, monetary relief isn't given for the following damages : XXXX ) Defamation of Character XXXX ) Negligent Infliction of Emotional Distress XXXX ) Violation of XXXX U.S.C. XXXX Billing Error Violation of 15 U.S. Code 1681 - Congressional findings and statement of purpose 4 ) Violation 15 U.S.C. 1681 section 602 A States I have a right to privacy.

5 ) Violation 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. 

XXXX XXXX XXXX states that I'm entitled to {$1000.00} per violation Each credit reporting agency owes me monetary relief of {$5000.00} in remedy Invalid credit inquires XXXXXXXX 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