davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-02-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CA)

ON XX/XX/XXXX I DEPOSITED ACHASHIER CHECK IN TO MY CHASE BANK ACCOUNT IN THE AMOUNT OF XXXX. VIA ATM, ON DRAWEE XXXX XXXX CHASE RECHIEVE CASH FROM XXXX XXXX   FOR THE MONEY ORDER AND PLACE FUND IN MY CHECKING ON XX/XX/XXXX FUND WHERE AVAILABLE, ON XX/XX/XXXX FUND WERE SUSPENDED FOR REASON THAT ARE UNCLEAR TO ME, I LATER RECEIVE A LETTER. 
SAING MY ACCOUNT WILL BE CLOSE AND ANY FUND WILL BE MAIL TO ME. FOR MORE THEN A YEAR THEY HAVE BEEN TELLING ME THE CHECK HAS BEEN MAIL TO ME.IN XX/XX/XXXX I RECEIVE A LETTER FROM CHASE BANK STATING THE MONEY WASW SENT BACK TO XXXX XXXX PER THIER REQUEST, WHITOUT EXPLANATION.
Consumer complaint received 2018-02-14
Product: Checking or savings account — Checking account
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (IL)

I opened a Wells Fargo savings and checking account in XX/XX/XXXX in XXXX. I used the account for 5-6 years but then moved to a city ( XXXX ) where there were no longer any Wells locations. I stopped using the accounts for several years ( XX/XX/XXXX/XX/XX/XXXX time frame ) and had transferred all of my money to another bank. 

In XX/XX/XXXX, I used my XXXX account to pay for a hotel room. On accident, the XXXX account ( which apparently was still linked to Wells ) used the Wells checking account instead of my XXXX to complete the transaction. The charge ( {$560.00} ) hit the Wells account in XX/XX/XXXX. 

In XX/XX/XXXX, the Wells account auto-paid {$36.00} of it. In XX/XX/XXXX, that {$36.00} auto-payment was apparently reversed ( likely because there wasn't any money in the account ). In XX/XX/XXXX,  another {$17.00} was auto-paid. 

In late XX/XX/XXXX, Wells contacted me via phone and relayed that I owed {$620.00}, which was the balance of the account at that time. Up until that point, I wasn't aware that my wells account was still open and asked to close it. They told me to pay the balance and they would close it. I paid the {$620.00} on the phone and they sent me a confirmation email saying my account was closed. 

In XX/XX/XXXX, I was again contacted by Wells Fargo and they told me I owed {$37.00}. Apparently, when I closed my account in XX/XX/XXXX and paid off the balance at the time as required, there was still a {$17.00} auto-payment that had been made. In XX/XX/XXXX, this payment was reversed ( which would make sense given the account was officially closed ... ). Per Wells Fargo, this process of auto-payment and reversal continued throughout the summer accruing fees. I paid the {$37.00} they said I needed to and thought it was all finally settled Last month, I applied to get a mortgage for our first home. When they ran my credit score, it showed the Wells had charged me a series of delinquencies in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I was never notified of any of this aside from the two times we connected via phone and I paid them. Now, my credit score ( which has no other delinquencies ) is being negatively impacted by these Wells ' rolling lates -- two of which seemed to have been triggered after they confirmed I closed the account. 

If there is anything you all can do to help rectify the situation, I would be greatly appreciative. This issue they've created are impacting whether or not we can get this house. Thanks very much
Consumer complaint received 2023-02-18
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: SYNCHRONY FINANCIAL (CA)

I had been doing business with Amazon like most I always used my XXXX XXXX debit card.Some how I was given an online Synchrony bank card, not a physical card in the beginning of 2022. 
About this time I no longer wanted the XXXX gummie bears so I called Amazon explained I wasn't happy with their product and asked them to quit sending their product and to quit billing me, Amazon said no problem a Month later I got billed again again I called Amazon again Amazon said no problem sorry you will not be billed again and I said quit billing my Amazon card ending in # XXXX they again said no problem. 
I was very clear since XXXXXXXX XXXX XXXX  to not be sending me anymore XXXX gummies. 
I started seeing emails from Amazon I figured they were just trying to get me back to buy their gummies. 
A couple more months went by and I happened to call Amazon to tell them to quit emailing me because they said I would not be billed again, at that point they told me I have some late payments?? I was mad and paid their payments because I want good credit I had an XXXX score before dealing with Amazon, and now XXXX range. 
I make over {$100000.00} per year and do not need credit cards to pay my bills, this is why I always pay with my XXXX XXXX debit card.I tried to deal with Syncrhrony bank emailing them then calling they wouldn't listen to me. 
I even tried XXXX they only gave me a computer response .I feel cheated by Synchrony I don't deserve this on my credit.
Consumer complaint received 2021-07-07
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. (IL)

XXXX violated 15 usc 15 usc 1681a ( 2 ) ( B ) and 15 U.S. Code 1681b ( a ) ( 2 ). Pursuant to 15 usc 1681a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device should be excluded from a consumer report. The definition of a credit card under 15 usc 1681is the same as it is under 15 usc 1602 ( l ) which is the term credit card means by any card, plate, coupon book or other credit device existing for the purpose of obtaining, money, property, labor, or services on credit Notice, congress said ANY card. The credit card is my social security card. This is the credit card I used to originate the consumer credit transaction I am complaining about. 

Under 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instructions of the consumer to whom it relates. 

Pursuant to 15 USC 1692a ( 3 ) The term consumer means any natural person obligated or allegedly obligated to pay any debt. Wouldnt I be considered allegedly obligated to pay the debt listed below? I XXXX XXXX the consumer never gave XXXX any written consent to report anything on my consumer report. No consent is Identity Theft.
Consumer complaint received 2018-02-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (CA)

COMPANIES INVOLVED : XXXX, EQUIFAX, XXXX DATES : XX/XX/2018 ITEM REPORTED INCORRECTLY : BANKRUPTCY I've been trying to get this item removed since it has been reported. I'm in the process of buying a home so I really need to have this item removed from my credit report because it's reporting incorrectly. I've recently sent more certified letters to all 3 credit bureaus disputing this information, and requesting to have this derogatory item removed immediately. The credit bureaus refuse to remove this item because they're stating the Federal bankruptcy Court verified this information. As we are all aware, the Federal Bankruptcy Court doesn't release this type of information to third parties. I've also asked for a method/proof of verification, and they refused to provide me with this information. 

PLEASE HELP!!!!
Consumer complaint received 2018-02-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (FL)

I applied for a XXXX credit account on XX/XX/2017 and was approved for a credit line of {$400.00}. Shortly after, and without notice, my credit line was rescinded by the creditor, XXXX XXXX ( DBA XXXX XXXX XXXX ). However, they still allowed me to pay back the amount used ti purchase the air fare, which was {$270.00}. I have paid the balance in full but noticed this account has not been reported to the credit bureaus.
Consumer complaint received 2018-02-14
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO. (TN)

I am writing this in hopes you can help keep a family in their home. My husband and I are hard-working taxpaying citizens. We came across some difficult times, and Chase Bank refuses to work with us, despite our best attempts to get current on our mortgage with them. 

This past year has been extremely hard on us. My husband lost his mother and his sister. This caused XXXX to miss some work. Because of this missing income, it became impossible to make ends meet. We tried our best to keep up. When we did have money to give to the bank, they refused it, saying we needed to pay everything right then. In just XXXX months, we were in danger of losing our home. 

When we said we couldnt pay that much money at once, Chase Bank said they would had an assistance program. We were provided a list of documents we needed to submit, which we did. This is where things went bad. Our paperwork was lost, misplaced, etc. multiple times. We would talk to a different person every time we called in, and they would always offer to send us information wed never get. Our application is sitting at Chase Bank, and our mortgage is getting further and further behind.
Consumer complaint received 2018-11-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WELLS FARGO & COMPANY (LA)

Creditor is reporting accounts that are invalid and unverified. XXXX have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.
Consumer complaint received 2023-02-14
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. (DE)

Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 3 months to no available. I have been disputing these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2022 XXXX
Consumer complaint received 2021-07-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TN)

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX ... XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX ... XXXX XXXX XXXX XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Consumer complaint received 2019-08-21
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: BB&T CORPORATION (VA)

Someone who did not identify themselves has been sending text messages to several family members and friends using my name and dob stating that they are about to file a lawsuit. When I called the phone number of XXXX he didn't identify where he was from but did start to state my personal information but I would not verify with him anything because he never stated that this is an attempt to collect a debt. He even said he wasn't a collection agency but he was an " officer '' He did state that this was for First Virginia bank and yelled at me telling me that if I was rude to him that he would terminate the offer and sue me. There is no company name. I have never received any correspondence and I refuse to verify anything from someone I don't know or have never heard of due to fraud in the past
Consumer complaint received 2021-07-01
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Rent Recovery Solutions (GA)

In XX/XX/2017, we moved into XXXX XXXX XXXX, soon after we moved in we had AC leak that left our hallway and rooms saturated with water. We notified the apartment complex several times in writing letting them know that we needed someone to come out and fix this problem. We let them know several times that no one came out to fix this problem and that we started to notice a smell. The complex sent out a maintenance man to PAINT over the growing mold in the walls and floorboards and placed a blower in our hallway. XXXXXXXX XXXX failed to properly remediate black mold in our carpets and walls, causing our family to get sick. One of our children got so sick the XXXX XXXX XXXX  had to put him to sleep and perform a XXXXXXXX XXXX  on him at XXXX years old. We had to move due to unlivable living conditions. We had to hire an attorney to help us through this horrible time. Now 3 years later XXXXXXXX XXXX  placed a collection for {$1800.00} towards the last month 's rent for a place that was deemed unsafe to live in. This collection should not be on our credit and now in turn is negatively impacting our credit and preventing us from being able to find a place to live. I have called and left messages to this company on 3 separate occasions in the past 2 weeks and have had no return call.
Consumer complaint received 2021-07-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NY)

On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60days later. I have not received a response yet I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), It is plainly stated that a failure to investigates these items within 30 day gives a reason to immediately remove those items from my credit report it has been over 60 days so they should e deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me.
Consumer complaint received 2022-08-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: BARCLAYS BANK DELAWARE (NY)

Recently, in XXXX of XXXX I checked my credit report as I was preparing to apply for a personal loan and realized an account was showing on my report in which did not belong to me. I didn't authorize for the account to be opened in my name nor did I agree to be added as an authorized user. The account in question is with BARCLAYS BANK DELAWARE and the account number is XXXX. The credit limit is XXXX and the balance showing is for XXXX. Immediately, I contacted XXXX. I was told over the phone that I was not the primary account owner and in fact someone had added me as an authorized user. XXXX then advised me that a simple dispute would correct this situation being I was only listed as an authorized user and can not be held responsible for an account I'm not the primary account holder on. They said my information was compromised during a data breach and a lot of there customers were having this problem. The dispute was to be completed within 30 days and upon completion the account in question would be deleted off my report. Upon completion, BARCLAYS BANK DELAWARE refused to delete the account off my credit report stating all the information listed on the account was correct. XXXX then advised I reach out to the Consumer Financial Protection Bureau and file a complaint as well as an identity theft report as its clear I was a victim of identity fraud. I've done both. The account in question has dropped my score XXXX points bringing me from a XXXX score all the way down to a XXXX and needs to be deleted immediately. It is not my account.
Consumer complaint received 2022-08-06
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: PNC Bank N.A. (TX)

PNC purchased BBVA. My loan payments did not correctly convert I guess? I never was late pay, see other accounts on my credit bureau. NO LATE PAYS. Please help as I am trying to buy a house and this one single account and causing a lot of problems. I have refined loan to another better bank and show a clear history too. 

I called PNC and they will not respond. What I am to do? 

This is not fair credit reporting for my history. Thank you
Consumer complaint received 2021-07-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc. (GA)

I contacted XXXX in XXXX of XXXX to cancel my services and end my account with them. Im XXXX XXXX military and also provided them with copies of my XXXX Orders in order to effectively terminate my contract early. Up until XXXX of XXXX I received emails about my outstanding balance. All while Im XXXX multiple times and attempting to resolve this. On XX/XX/XXXX, I contacted XXXX and communicated with them about the charges. The representative stated that I paid off the balance that was due in XXXX of XXXX and had a {$0.00} balance following. This is the same month I disconnected my service. In XXXX of XXXX, I receive an email from XXXX stating that my service has been disconnected. In XXXX of XXXX I received an email stating that I had a overdue balance of {$270.00} after services have already been disconnected. In XXXX of XXXX I received an email stating that my account has been disconnected, effective date XX/XX/XXXX, with a balance of {$250.00}, as well as another email on the same date saying my bill is overdue of {$270.00}. XX/XX/XXXX I received another email stating that my overdue bill is now {$740.00}, to include an {$300.00} ETF ( early termination fee ). XXXX of XXXX, a collection account is the reported to my Credit Report.
Consumer complaint received 2021-06-30
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

I would like to file a formal complaint against Equifax for failing to conduct a proper investigation into the inaccuracies on my credit file. 
Equifax violated my rights by 1. Willingly and recklessly reporting false information after being notified of the inaccuracies. 

2. Failing to respond to my dispute within the allowed 30 days. 

3. Failure to provide the method of verification. 

4. Failing to notate an item on my report is under dispute. 

5. Failing tp provide all supporting documentation after responding the account was verified. 

Last year in XX/XX/2200 I first disputed my XXXX student loan accounts because of several inaccuracies. The balances were different, late payments were being reported and I have never been late on this account, also XXXX is currently reporting me late when the CARES ACT forbids any negative reporting for this loan type. 

MY RIGHTS A CONSUMER HAS BEEN VIOLATED.
Consumer complaint received 2021-07-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

I am writing to dispute the fraudulent items from my credit report. These accounts that are listed on my credit profile are charges that I did not make. I attached a copy of my affidavit from the Federal Trade Commission. Please be advised that this is my third request, and the unverified items remain on my credit report. I have yet to receive a response from the bureaus, nor have I received any documentation to verify that the information is mine and is correct, which is required under law. Since I have not received any documentation, nor a response please delete the items as soon as possible. Failing to do so, will result in legal action being taken against you.
Consumer complaint received 2018-11-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (WA)

Late evening of XX/XX/18 I called Citibank. After spending about 15 minutes identifying myself, I was helped by a woman in the XXXX I think. She was nice enough, but didn't have many answers. I called because CitiCard had charged me {$82.00} interest on the previous statement. Theprevious balance coming into XXXX was {$6900.00}. I had had trouble getting on line to make payments in the previous month and my interest charges were {$66.00}. I wanted to terminate the high interest charges so I called Citi and asked how much I had to pay to avoid further interest charges. I was told that all I had to do was to pay off the " new balance '', XXXX. So on the date due, XXXX XXXX, I paid {$7000.00}, thinking that I could move forward with no further finance charges. Didn't happen. And the Citibank card center lady had no explanation. When I make a sincere effort to pay the correct amount and am misinformed, I think that Citi should make it right.
Consumer complaint received 2021-06-30
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: LoanCare, LLC (NJ)

These accounts don't belong to me. Please remove them from all 3 credit reporting agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies. 

1. Identity Theft LOANCARE Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXX XXXX  XXXX Account Number : XXXX This is not mine. 

7. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

8. Identity Theft XXXX XXXX XXXX. 
Account Number : XXXX This is not mine.