davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-17
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/XXXX, I initiated a {$4000.00} deposit to Chase to pay my bills. Chase decided to put that " on hold '' until XX/XX/XXXX, nearly 2 full weeks later. I called XXXX ( the sourcing institution ), and they said the transaction had " completely cleared '' by XX/XX/2010 full days before Chase will release my money. 

Chase has already charged me multiple {$34.00} fees, sometimes on the same transaction. I also was charged returned check fees from the bills that were supposed to be paid successfully. 

I've reached out to the company 3 times now asking for a way to resolve this, so that I am not racking up more and more fees, and they have not given me any path to resolution. Their only suggestion has been to set up a Chase savings account and throw even more money at them ( even though they *already* have {$4000.00} of my money that I can no longer get to, and have no reassurance that any other deposits will not likewise be frozen ). 

Chase currently can freeze transactions if they think they might be at risk of losing money due to fraud. However, they continue to charge consumers fees during this time period. 

This makes no sense as it's not to protect the consumer. No consumer is in danger of a rogue deposit, especially one they initiated. This is for Chase 's benefit, and Chase 's alone. Chase is charging the consumer for processes that they *choose* to perform to reduce their own risk costs. 

Even worse, this process is completely opaque to the consumer. Chase will not even tell me what caused it, referring to these matters as " confidential '' ( even though they involve a deposit from one of my accounts into another ). As such, is impossible for a consumer to prevent this from happening. 

Consumers are left in a state where their only choice is to constantly be carrying a significant extra balance in their accounts, as any deposit could be frozen at any time. I'm sure Chase loves this side effect ( as they reiterated several times how this was necessary to prevent it ), but that should not be a requirement for consumers to bank with them.
Consumer complaint received 2022-07-23
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. (WA)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

XXXX EMPLOYERS : XXXX XXXX XXXX XXXX ADDRESSES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX COLLECTIONS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ADDRESSES : 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 COLLECTIONS : 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 XXXXXXXX XXXX XXXX Equifax EMPLOYERS : XXXX XXXX ADDRESSES : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, NC XXXX INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-23
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. (GA)

The items listed below are reporting on my personal credit file and were found in my reports with 3 credit reporting agency. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regards to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX Balance Owed : {$0.00} ; US DEPT ED XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX {$2100.00} ; XXXX XXXX Balance Owed : {$0.00} ; US DEPT EDXXXX XXXX Owed XXXX {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX  XXXX Balance Owed : {$570.00} ; XXXX XXXX XXXXXXXX BalanceOwed : {$1100.00} ; XXXX XXXX  XXXX Balance Owed : {$630.00} ; XXXX XXXX XXXX XXXX Owed : {$870.00} ; ( XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Balance Owed : {$180.00} ; XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX ; XXXX XXXX XXXX XXXX, TN XXXX Date Updated : XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX Date Updated : XX/XX/XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX
Consumer complaint received 2021-08-03
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: ERC (SC)

I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX  breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX  breach as well.
Consumer complaint received 2022-08-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/22 I placed a stop payment on a check that I had written in error in the amount of {$610.00} and that stop payment was accepted by Wells Fargo Bank and I was charged a {$39.00} stop payment fee. No disclosures, terms or conditions were read to me by the bank agent. The bank agent checked to verify that the check had not been presented for payment. 

To my dismay, the bank paid the check on XX/XX/22 even though the stop payment was confirmed. 

I immediately called the bank and explained the situation to a phone bank supervisor who filed a claim on my behalf and supplied me with claim # XXXX. 

That claim was denied by the bank on XX/XX/22 due to : " The stop payment was requested the same day the check was posted to the account. In return the check was paid and can not be returned. '' I once again called the bank on XX/XX/22 and my claim was reopened and escalated to the Wells Fargo executive office case specialist and was assigned to XXXX XXXX with a case # of XXXX. 

On XX/XX/22, I received an email from XXXX XXXX informing me that once gain the bank had denied my claim. 

I can not understand why the bank would accept my stop payment request and charge me a stop payment fee even though they didn't stop payment on the check.
Consumer complaint received 2022-07-23
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. (AZ)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

XXXX Addresses : XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Employers : XXXX XXXX XXXX XXXX XXXX Inquiries : 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 Employers : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Inquiries : XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax Addresses : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Inquiries : XXXX XXXX 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
Consumer complaint received 2017-06-16
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. (TN)

I have a collection account recorded on my credit report that is not mine, and was opened by someone using my name. I have reported this and spoken on the phone with representatives, who can verify that I have NEVER had this account with  XXXX . They will not confirm whether or not this has been removed from my credit report. When I try to check on the status online, I get a message that I am not allowed to view my dispute status online, without any explanation. I have never done any business with  XXXX , nor have I lived at the address where the original debt occurred. I disputed in  XXXX  of    2017  and my dispute case disappeared. I disputed again in  XXXX     2017  and this company will not let me check the status of the dispute online, and they have not responded to any emails regarding this fraud on my credit report.      XXXX  investigated and removed this right away.
Consumer complaint received 2022-08-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (GA)

Approximately XX/XX/XXXX or XXXX, XXXX did a Free Credit Report request for Equifax report on me, teaching the end of the request, only a generic profile page with my basic information ( name address phone ) came up, but nothing else the page froze there. 

Filing a second request, Equifax denied any further help, indicating I received the report. They were wrong, it sent me nothing. 

I immediately filed a complaint with them, and they declined any further assistance on XX/XX/XXXX.
Consumer complaint received 2022-07-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

in accordance with the Fair Credit Reporting act XXXX  XXXX XXXX Account # XXXX, 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 XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-07-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (CA)

Having a difficult time disputing an account that I opened as a young adult at JPMCB CARD SERVICES ( Chase ). 

I opened the account XX/XX/XXXX. The account was closed/charged off XX/XX/XXXX. 
Balance {$3300.00}. 

Since then, I've been working hard to increase my credit score and be more financially responsible. I'm proud to state that I don't have any sustainable debt on file. I am hoping to get this removed so I can continue working on repairing my credit, it's been well over 7 years since the account was marked as charged off.
Consumer complaint received 2018-09-17
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. (MA)

I am a current paid subscriber of the paid Equifax Credit Watch Gold service. As a paid subscriber I am entitled to receive a new, updated copy of my current credit report daily. 
I have continued to subscribe to this service as I am one of the approximately 182,000 individuals that Equifax has confirmed and notified that had documentation with personally identifiable information compromised in the security breach disclosed in XX/XX/XXXX. 

The last successful report I was able to generate was on XX/XX/XXXX. 
On XX/XX/XXXX multiple attempts to generate a report all failed, reporting an Eval code Status code FL, Reason code NH. 
On XX/XX/XXXX multiple attempts to generate a report all failed. As per the instructions with the failure I attempted to contact Equifax Customer Care at XXXX.

During this call I was transferred around and spoke with 4 different individuals, who were all courteous but who made varying attempts to assist.

During a subsequent logout of my account and login, I noticed that the " Average Equifax Credit Score for your zip code '' line showed an incorrect zip code, not my correct current zip code. 
The 4th individual I spoke to concluded by telling me to call Global Customer Care at XXXX due to having multiple addresses on my file.

The 5th individual I spoke to apparently made a change that would ostensibly fix the problem. 
I could not generate a report on the XXXX. I could also not generate reports on XX/XX/XXXX or XX/XX/XXXX. 
When calling Customer Care on XX/XX/XXXX the representative told me that I needed to contact XXXX again. 
I have attached a copy of the page that under " Latest Credit Score '' shows " Average Equifax Credit Score for your zip code, <redacted>, is <redacted>. " This is not my correct zip code. 
I also attached a copy of the output from XXXX XXXX reporting the report generation failure, the error codes generated, and the phone number to contact Equifax Customer Care.
Consumer complaint received 2017-06-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (CA)

Chase has been harrassing me and verbally abusing / threating me viathe phone. I have several nasty voice messages from them on my voice mail for proof. they unlawfully closed down my business card all because a women in there corporate office has a personal vendetta against me. i have noticed they are violating the fair credit reporting act and illegally spying on my credit reports. i have a private investigator who c onfirmed i am being harrassed and discriminated by them
Consumer complaint received 2021-08-03
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. (LA)

Equifax is reporting inquires that two other companies have removed due to investigating these inquires did not belong to me. I was told to create an FTC report by several Equifax representatives which I did and they said I did not do the report right so I am completing another report ... .. I have 6 inquires that did not belong to me which are as followed : On XX/XX/XXXX, an inquiry appeared from XXXX XXXX XXXX. On XX/XX/XXXX, an inquiry appeared from XXXX XXXX XXXX. On XX/XX/XXXX, XXXX an inquiry appeared from XXXX XXXX. On XX/XX/XXXX, an inquiry appeared from XXXX XXXX. On XX/XX/XXXX, an inquiry appeared from XXXX XXXX XXXX  XXXX. On XX/XX/XXXX, an inqury from XXXX-XXXX.
Consumer complaint received 2018-09-16
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SIMM Associates, Inc. (FL)

Today, XX/XX/2018 I, XXXX XXXX, opened a letter from XXXX XXXX XXXX. Their letter stated that I recently made a payment for reference ID : XXXX in the amount of {$25.00} which was credited to that reference ID. I have NEVER made a payment to XXXX XXXX XXXX for that reference ID. I made a payment to SIMM Associates, LLC in the amount of {$25.00} for account number XXXX for my debt for XXXX XXXXXXXX XXXX. At no time did I indicate that the payment be for the XXXXXXXX XXXX XXXX XXXX. I believe XXXX XXXX XXXX is miss applying payments in order to use that against me. I am requesting full fraud investigation be opened on XXXX XXXX XXXX. I did send the company an email requesting more information, but I believe this is an attempt to gain leverage by misapplying the payment an old account.
Consumer complaint received 2022-07-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRANSWORLD SYSTEMS INC (OH)

In accordance with the fair credit reporting act XXXX account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A States I have the right 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
Consumer complaint received 2022-07-22
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)

I am a victim of Identity theft and have had a fraud alert for years now and yet the below accounts were still able to appear on my credit report and inquiries. This following information listed on my credit report is the result of identity theft. I have not applied for or used any of the listed accounts. 

Accounts XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  ( FINANCE ) XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  ( FINANCE ) XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ALSO, I HAVE RECEIVED NOTICE THAT THERE ARE MORE THAN ONE SOCIAL SECURITY NUMBER ASSOCIATED WITH XXXX XXXX DO NOT HAVE ANY OTHER SOCIAL SECURITY NUMBERS I NEED THE ITEMS LISTED PERMANENTLY REMOVED AND BLOCKED FROM COMING BACK AND I NEED ANY ADDITIONAL SOCIALS REMOVED AND BLOCKED. I HAVE SUBMITTED DISPUTES IN THE PAST INCLUDING MY POLICE REPORT AND IDENTITY THEFT REPORT WHICH YOU SHOULD HAVE ON FILE. PURSUANT TO SECTION 605B OF THE FAIR CREDIT REPORTING ACT WHICH REQUIRES YOU TO BLOCK THE FRAUDULENT INFORMATION ON MY CREDIT REPORT RESULTING FROM IDENTITY THEFT WITHIN FOUR DAYS AND TO PROMPTLY NOTIFY THE FURNISHER ( S ) OF THAT INFORMATION. XXXXIT HAS BEEN MORE THAN A YEAR AND THIS INFORMATION STILL REMAINS.
Consumer complaint received 2022-07-22
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (WA)

I disputed an unauthorized transaction and the company declared that it was an authorized transaction. I called again to have them re-open the unauthorized transaction case and i added the details of the police case number. Within XXXX hours I still was notified that the transaction was authorized
Consumer complaint received 2022-07-21
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. (FL)

Upon checking my Credit Report, I noticed that there are accounts that are completely unknown to me. As I further researched my Credit Report, I realized that these accounts are fraudulently reporting on my Credit File. Right now, Im submitting this complaint today to inform the Credit Bureaus that I was a victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of accounts/items which do not belong to me or were opened without my permission. XXXX XXXX XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1100.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$170.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$63.00} XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$74.00} XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$60.00} XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$110.00}. I have read that that under the FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.