davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I was once more a victim of identity theft, so I'm submitting this complaint to ask the credit bureaus to delete the disputed erroneous information that's being recorded on my credit file. I've been writing letters to the credit bureaus on a regular basis, and the letter I sent on XX/XX/2022 was already my third formal request to have material in my credit file that was obtained through identity theft removed. The Credit Bureaus must remove any items as per FCRA 605B ( 15 U.S.C. 1681c-2 ), no later than 4 business days following XX/XX/2022. This report was previously mentioned in one of my complaints, and I'm including it again. Additionally, I have my questions about the accuracy of the information that some agencies provided on some accounts because they were REMOVED from other bureaus and were UNKNOWN to me. The following things need to be taken away : 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 XXXXXXXX XXXX XXXX XXXX XXXX}. This complaint is a warning to the credit bureaus that I will file a lawsuit if they do not REMOVE the specified items from my report. My lawyer has been told of my plans, and they are eager to hold the Credit Bureaus liable for their blatant disregard for the law.
Consumer complaint received 2022-11-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CO)

I deposited {$4000.00} cash to my Chase checking account at the ATM which is located at XXXX XXXX XXXX XXXX, XXXX CO XXXX about XXXX on XX/XX/2022. However, there was a malfunction with the ATM, the deposit process did not go through. It required me to call the customer service phone number on the ATMs screen in order to get the credit to my bank account without printing any receipt. I called customer service right after that, and they give me the claim reference number XXXX about the missing deposit. I have been calling Chase customer service back and forth, and they said the deposit will be shown in my bank account maximum is 10 days. I still have not seen any money from the deposit in my checking account. I called Chase customer service again and talked to the claim department manager. She informed me that they closed the claim because the investigation team could not locate the fund in the system. There was a problem which is why the ATM could not print out the receipt for me. I requested to reopen the claim and check on the footage at the ATM at the location and the timeline that has been mentioned above to prove that I was at the ATM depositing cash. They denied my request and told me to get law enforcement involved if I want to check the footage. I went to the XXXX police department in Colorado to ask for help, but they responded back to me that they are not authorized to do it because that was the ATM malfunction, not a crime. The bank was supposed to do it when investing my claim. {$4000.00} cash is not a XXXX, there was no way it can disappear like that. I hope CFPB can help me to get the money back and guide me what is the next step that I need to work on. I am looking forward to your response. Thank you!
Consumer complaint received 2022-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TN)

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

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 2022-07-15
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: Nelnet, 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 any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and removed : DEPT OF ED/NELNET XXXX, DEPT OF ED/NELNET XXXX, DEPT OF ED/NELNET XXXX XXXX DEPT OF ED/NELNET XXXX, DEPT OF ED/NELNET XXXX, DEPT OF ED/NELNET  XXXX, DEPT OF ED/NELNET XXXX, DEPT OF ED/NELNET XXXX XXXX DEPT OF ED/NELNET XXXX, DEPT OF ED/NELNET XXXX XXXX DEPT OF ED/NELNET XXXX, DEPT OF ED/NELNET XXXX, DEPT OF ED/NELNET XXXX, DEPT OF ED/NELNET XXXX, DEPT OF ED/NELNET XXXX
Consumer complaint received 2022-11-04
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY (CA)

Bought tickets to a concert through XXXX pre-pandemic ( XXXX XXXX  amount of XXXX XXXX date was XX/XX/XXXX and XXXX XXXX  amount of XXXX scheduled date was XX/XX/XXXX ) using my debit card from Wells Fargo. Account was closed XX/XX/XXXX. Due to the pandemic concerts were canceled. XXXX issued refunds on XX/XX/XXXX ( amount of XXXX ) and XX/XX/XXXX ( amount of XXXX ). To this day both XXXX and Wells Fargo claim they dont have the funds.
Consumer complaint received 2022-11-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: Credit Karma (IN)

on or around XXXX XXXXXXXX | saw a lot of pre approvals on credit karma at first I didn't pay it any attention but credit karma kept sending me all sort of pre approvals telling me that I was pre approval for credit card home mortgages and personal loans and the I can refinance my car every day I would see these offer everyday Togged in to check my credit score so after a few months of being told I was pre approved I thought that was in the perfect place to apply I got so many offers threw credit karma I starting telling my family about vacation and investments that we were goin to use these pre approvals for. so I finally applied on or around XXXX for 4 credit cards and 4 personal loans I Was distraught was very very angry and I felt deceived I was marketed to for months by credit karma. They told me I was pre approved this was a lie. I was serverly stressed out I was nauseous for weeks I had XXXX  so bad I became antisocial my XXXX went from XXXX to XXXX now every time I immediately close my phone and shut shut my computer off. This has made me so uneasy and XXXX that I haven't checked my credit as frequently as I should.
Consumer complaint received 2022-11-04
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Paypal Holdings, Inc (FL)

In XX/XX/2022, I made a purchase to XXXX XXXX XXXX using a paypal account, pay and XXXX loan. I paid cash in 4 installments via my paypal. There was an ongoing dispute with the retailer that was eventually resolved and a refund was issued by XXXX to Pay Pal for XXXX under transcaction XXXX. The issue is that the refund went to a closed paypal account under the same email and phone number as that paypal account that the original pay and 4 purchase was made was closed for security reasons in XXXX. Pay pal sees the refund and acknowledges it but for some reason they can not seem to either transfer the funds or credit to the new and open paypal account, issue a check or send the refund back to XXXX and bascially are keeping the funds. I have logged in hour and upon hours on this issue with no success or resolve.
Consumer complaint received 2022-07-14
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. (FL)

I contacted Equifax, XXXX and XXXX regarding the recommendation from a magistrate as well as an order of dismissal from a judge in XXXX XXXX, Florida. I requested deletion of a fraudulent account that was placed in my name. The court has ruled that XXXX was unable to provide a written contract between myself and the company to the court. Subsequently, the court dismissed the lawsuit attempting to recover funds from me regarding an account that was not my responsibility. 

All of the credit bureaus have refused to delete this tradeline off of my account even though I have provided them the attached court order. This is WRONG. They are claiming they " investigated '' the account on my report. There is nothing to investigate. The court dismissed the suit.
Consumer complaint received 2022-07-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (CT)

I requested that the home owner 's insurance be removed from my escrow account on XX/XX/XXXX. I was denied indicating that my loan to value is over 80 %. I called customer service asking for someone to look at this again whereas it is not possible that my loan to value is over 80 %- it was not on the initial loan or the subsequent refinance. ( I had no mortgage insurance either ). 
The refinance automated valuation was even higher than the appraisal which was completed in XX/XX/XXXX ( value of XXXX ). The new loan amount in XX/XX/XXXX was for XXXX - therefore even if they used the old appraisal value of XXXX - the loan to value would have been XXXX and the automated value at the time of XX/XX/XXXX refinance was higher. 

I have never been late on my payments- there is no reason I should have been denied for this request.
Consumer complaint received 2022-07-14
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)

In accordance with the Fair Credit act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 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 a account without my written instructions.
Consumer complaint received 2022-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC. (FL)

To whom this may concern, I have called the ALLY FINANCIAL INC. AUTO Total Loss Department about my account showing in accurate information. I have ask to speak with a manager and/or supervisor and i have been getting the run around for more than a month now. I have an inaccurate reflection of non payment when I been paid up with this bank. the bank closed my GAP without my consent and I have been asking to speak with compliance and they have told me they have no compliance department. I have been charged extra fees from inaccurate readings from there system and I have requested my account closed because it is paid in full. The Total Loss Department for ALLY Financial Inc. XXXX XXXX XXXX XXXX, MN XXXX, is not accurate, and denies any manager involvement about there action or them being compliant on the phone. The absolute worst experience I have had with an AUTO BANK. Im being taking advantage of and I'm being charged for extra when my account is paid in full. THIS IS A BANK, they must have a manager and supervisor and some form of compliance, and they have only stated they will have a manager call back they are busy, well I have never got a callback and they just drag there feet to try n put extra charges on my account. my account is paid already and they are trynna still charge me. THIS BANK IS FRAUDULANT IN MY EYES AND NON- COMPLIANT AND SHOULD NEVER BE TRUSTED!!!
Consumer complaint received 2016-05-23
Product: Credit card — 
Issue: Other fee — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

Bank of America sent me a new credit card with the reason that they stated was to protect my security. I had automatic payments set up with their bill pay site. I got a letter from them saying I missed a payment. I called them and said I was on auto pay. I was told I never set up a new bill pay with new credit card number, IXXXXwas never told to do that and their was statement with my new card stating I should do that. They charged me a XXXX dollar fee. Then today I got a letter in the mail saying they reduced my credit card limit because of missed payment.
Consumer complaint received 2022-11-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: BARCLAYS BANK DELAWARE (OK)

This issue involves Barclay 's bank holding over $ XXXX of funds from my account. I had a plane ticket, that I could not use because of an emergency, refunded to my Barclay 's credit card account on XX/XX/2022. This created a balance on my credit card of + {$1500.00}. Since I hardly use this card, I requested a credit balance refund of the amount on XX/XX/XXXX. The refund showed that it processed on XX/XX/XXXX. It has been 10 weeks since that time and I have still yet to receive the money that was in my account. I have called up Barclay 's around 8 times to get this sorted and every time they promise me the check is in the mail. The first time I called they said it would take 7-10 business days. The next time I called they said it would take 20 business days. The last time I called they said it could take up to 2 billings cycles ( 2 months ) to get my money back. The tell me the reason it was not received was because the address was incorrect, because I recently moved. My previous address is my parent 's address and I still receive every piece of mail sent there. They have supposedly updated my address the past 5 times I have called them and yet every time they act like it is new information and add the address again. I have escalated the issue to supervisors and managers and they all make the same promise that the check is in the mail. One supervisor I talked to 2 weeks ago told me they were expediting my check and it would be at my address in 1-2 days. That never happened. When I called back I was told the previous agent lied to me as checks can not be expedited. I have spent roughly 10 hours on the phone with agents of Barclay 's Bank and I am no closer to receiving funds that are mine. I am now late on rent and bills because I relied on having this money. At this point I am worried I will never get the {$1500.00} that was in my account. I would prefer the money to be electronically transferred as I have grown tired of hearing that " the check is in the mail '' for 10 weeks and ongoing.
Consumer complaint received 2022-11-04
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: EQUIFAX, INC. (GA)

Please help, I noticed inaccurate accounts associated with my credit reports from XXXX, Equifax, and XXXX. For the past three to four months, I have called as well as mailed all three companies to immediately remove said accounts from my report. My XXXX credit report is showing a charge off with an amount of {$8300.00}, ( charge offs should not carry a balance and should be deleted from my report ). As well as two inquiries that I did not authorize ( plus they're not associated with any open accounts ). My Equifax shows that I have two charge offs for {$8300.00}, {$1000.00} and two inquires. These two should also be deleted as stated earlier regarding charge offs and unauthorized inquires not associated with an account. XXXX shows two charge offs for {$8300.00}, {$1000.00} and should be deleted. They also should update my consumer report to reflect these changes. They have failed to do so and it has cost me greatly the access to obtain credit. My interest rates are higher, I am unable to get a mortgage, and live a decent life with my family. Please help me by enforcing these companies to take action by removing the accounts I have mentioned in the letters I have sent to them. 

Your service is appreciated. 

God bless,
Consumer complaint received 2022-07-14
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: JPMORGAN CHASE & CO. (NY)

I went to the XXXX, NY Branch on XX/XX/XXXX at XXXX XXXX, and the Teller put my {$3000.00} cash toward the principal on the balance of my auto loan. It never showed up in my account! I have called 3 times starting a few days after the deposit, and finally went in to the Branch and saw XXXX XXXX the Bank Manager on the XXXX and it is still not been posted on my account!
Consumer complaint received 2021-08-28
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: WELLS FARGO & COMPANY (MS)

Wells Fargo Credit Bureau Dispute Resolution sent a letter dated XX/XX/XXXX for accounts ending in XXXX and XXXX, Dispute ID number is XXXX and XXXX stating Wells Fargo found the information is accurate after I disputed in XX/XX/XXXX. On XXXX XXXX, I re-disputed both accounts stating dispute reasons were expiraration of the Mississippi Statue of Limitations for 3 years and both accounts are reporting current monthly late payments and were in charge-off status. On XX/XX/XXXX, Wells Fargo sent a letter to my address of XXXX XXXX XXXX, XXXX, MS XXXX stating account ending in XXXX is closed due to the age of the debt and will no longer attempt to collect from me. The account XXXX date of last payment is XX/XX/XXXX. However, the account ending in XXXX, date of last payment is XX/XX/XXXX and has not been closed due to the age of the debt as well. Both accounts continue to show erroneously errors, and false information on my credit profile which is severly harming my family from seeking adequate housing during the Pandemic. However, both accounts ending in XXXX and XXXX that have been previously disputed by me continue to show inaccurate account status in derogatory status by all 3 credit bureaus, both accounts were re-aged by Wells Fargo, and current monthly late on a collection-off dated back from XXXX XXXX for both disputed account which violates the FDCPA and the FCRA. XXXX  had previously removed both accounts off my credit report but re-inserted back on my credit without previous notification to me. XXXX  and XXXX  is showing the account ending in XXXX with a balance with current late monthly charges illegally. 
Both accounts ending in XXXX and XXXX have been disputed with XXXX, XXXX, and XXXX  from XXXX to XXXX over a period of 9 times in which all have been through certified mail.Wells Fargo continue to willingfully and knowingly put false, illegal re-age information on my credit profile after their alledgely investigations and should be held responsible.
Consumer complaint received 2022-11-04
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Comerica (NJ)

My Direct Express was charged {$1000.00} for a XXXX. Direct Express never contacted me, it wasnt until my card was declined that I learned about the charge and that I was overdrawn by {$200.00}. 

I contacted the vendor and they informed me they had already submitted a reversal, but it is not showing up XXXX my account. 

I have called Direct Express and have currently been on hold for 7hours total ( this is literal ). After the first 4 hours a rep answered, she saw the charge but needed to transfer to another department Ive been on hold with them for 3 hours. 

Direct Express does not have an email option, another phone number or online chat. The website says we can write them a letter. The same site says to dispute a transaction I must notify with 2 days to ensure the maximum amount I will lose is {$50.00}. 

I also called Comerica Bank ( the parent company ), there advise was to call and not select any options, I tried that and I was disconnected. 

How is it legal to provide no options when a persons money is involved? I am legally XXXX, I receive XXXX XXXX  monthly from XXXX, I dont have spare money. I am literally without a dollar until this is settled.
Consumer complaint received 2022-07-14
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)

I was included in 2 company breaches that Im aware of at this time. I have contacted XXXX XXXX and Equifax by mail and called information has been placed on my credit report Inaccurate addresses that are not mine I have no accounts with these addresses I have contacted one of the companies that placed a collection account on my report that was removed, however they refuse to remove the addresses that are not my current address, I have sent proof of my current address with a copy of my id and current utility bill. Please help I just want my current address updated as I am trying to clean up my credit report with current and accurate information.
Consumer complaint received 2022-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

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. 

Accounts : Convergent account XXXXXXXX XXXX XXXXE XXXX has violated my rights. 

XXXX account XXXX XXXX XXXX has violated my rights. 

XXXX account XXXX XXXX has violated my rights. 

XXXX  account XXXX XXXX XXXX XXXX has violated my rights. 

XXXX account XXXX XXXX XXXX XXXX has violated my rights. 

XXXX  account XXXX XXXX has violated my rights. 


15 USC 1681 Section 602 A states I have the right to privacy. 

15 USC 1681 Section 602 A also states a consumer reporting agency can not furnish an account without my written instructions. 

15 USC 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 USC 1681s-2 ( a ) ( 1 ) states 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.