davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-11-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CO)

3 checks were deposited into my checking account- not credit card account. 1. XX/XX/XXXX for {$6500.00}. Chase Bank released the funds the funds in a couple of days to have it bounce back 26 days later due to a " bad routing number ''. 2. Checks deposited on XX/XX/XXXX for {$5000.00} and {$3200.00}. Chase Bank held those checks for 12 business days and released the funds. Those two came back 28 and 29 days later stating " fictitious accounts ''. ALL 3 checks were written from the exact same account from XXXX XXXX. FDIC closed XXXX XXXX XX/XX/2010. Chase states I owe them and I have to take out a loan to pay for immediately for face consequences. I have filed police reports locally and with the FBI and found the person responsible. I have contacted Chase corporate several times in this matter and I'm treated like a felon, not a victim. I have left messages and no one returns my calls. I have a case number and phone of the Detective on my case ( which is a felony ) and chase won't return my calls. This same individual who wrote the bad checks also stole my debit card and I have asked for updates on that as well. Still no response. Why would a bank clear not 1 but 3 checks on a debit account to wait a month later to have them returned? One would think in this age of computers that a system as sophisticated as Chase Banking would be aware of a bad routing number in minutes of a check being deposited, not weeks later. Per Chase 's request, I went into my local branch, closed the fraudulent account and opened a new account. Chase has now frozen both accounts and failed to let me know why. Isn't that against policy when a financial institution closes a good account without letting that person know? As a customer, I relied upon the professionalism and safety of my banking institution to protect myself from issues like this. I believe Chase is at fault for not having protocols in place to protect the consumer.
Consumer complaint received 2023-01-24
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. (NJ)

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

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 XXXXXX/XX/XXXX
Consumer complaint received 2023-01-24
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)

This is my sixth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXXXXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXXXXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX WAY XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2019-09-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (OH)

I have filed a complaint before about the fraudulent addresses on my credit report. I do not live at these address and I need them removed they are not accurate : XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX XXXX   XXXX OH XXXX, XXXX XXXX XXXX XXXX OH XXXX. 
I requested some form a contract we verification on this 3rd party  collection account that I have never done business with XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX {$1200.00} I was informed federal law requires that credit bureaus provide mechanisms to ensure that each item on my credit report actually belongs to me. If the above items are inaccurate, misleading or incomplete you may have violated federal law. I don't know how many times I have to keep asking for the proper paperwork I have not received anything and its been longer than 30 days!!
Consumer complaint received 2020-08-17
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: BARCLAYS BANK DELAWARE (CT)

Submitted a charge-back [ In XX/XX/2020 ] for a purchase [ made in XX/XX/2020 ]. XXXX Barclay ( Mastercard ) has denied the charge-back multiple times now, each time with a different excuse. 
The purchase was a countertop with a specific design, the vendor ( XXXX ) came with the wrong design. I contacted the vendor and they claimed they don't issue refunds, and if I'd like I can go to their warehouse and pick up the wrong item. 

I contacted XXXX Barclay ( Mastercard ) and submitted a claim. They closed the claim multiple times for different reasons. Culminating in a final notice stating that there is nothing else they can do, but if I'd like, they can call the vendor ( XXXX ) for me to try and get a refund, but they will not be approving the chargeback.
Consumer complaint received 2022-04-25
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: Experian Information Solutions Inc. (FL)

In accordance with the Fair credit report act XXXX XXXX XXXX account number XXXX XXXX XXXX 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 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2021-07-14
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: Webcollex, LLC (CA)

I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
Consumer complaint received 2020-08-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (MI)

I have contacted my mortgage company several times to inquire as to whether my summer tax bill was received. I receive notification that they received my inquiry, but never a response to my actual question. 
I contacted them most recently on XX/XX/20 and have yet to receive a response as to if they have received my tax bill as it is not reflecting the proper amount on my account and has not been paid yet.
Consumer complaint received 2021-07-14
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: WELLS FARGO & COMPANY (WI)

I went to Wells Fargo on XX/XX/2021 to open a new checking account I was declined and denied the checking account upon being declined I was given information to where banks pull your information and report from XXXX A different company that banks use to pull your report after calling that company I downloaded my report and discovered several attempts of somebody using my information to try and get loans this is due to some identity theft issues I am having ive been trying to correct several identity theft issues and fraud attempts under my information that I have been noticing on my credit reports from XXXX  XXXX XXXX and XXXX as well due to this identity theft I believe this is the reason I was denied to open a checking account with Wells Fargo because I have no bad making history with anybody I hope that the information I have been providing two different agencies to try and figure out who is using my information can get this problem to stop and correct my credit reports and information so I dont have problems with opening a checking account or applying for credit in the future
Consumer complaint received 2020-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

Hello and Happy Monday. I thank you for having a look at my dispute. Its going on the 3rd month that I have been trying to get these companies to validate debt as in mine. I have not received any correspondence to the companies about this matter other than a request for my id and social from XXXX and XXXX
Consumer complaint received 2020-08-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (OH)

I have called Citi credit cards over 20 times in the past 6 months. I called because I got a new phone and lost my wallet. I wanted to get a new card so I can set it up auto pay. I said I'd send my license etc. All phone calls are documents. They refused. I wasn't getting any statements and didn't know what to do. I called over 10 times to pay my bill. Anytime I put in my information, it says I don't exist. I then have stayed on the phone for two hours to have people hang up on me. I've done the call back and they have no clue where to send me to pay my bill. I tried the chat ( which is also documented ), they couldn't help. I have even resorted to writing an email last month to corporate asking for help in paying my bill, but still no response. I now saw that I have negative marks on my credit score due to them never letting me pay my bill or helping me. I don't get it. I work two full time jobs and a part time job. My father is sick and lost his job because of Covid. My mother can't work. I'm paying their bills as well as my own. I also wanted to get a loan for graduate school but now my credit is shot because no one will help me. No one. I don't know what else to do and I'm not this type of person. I work so hard to have my life ruined. It's not fair. I want some help please. I need someone to just tell me what to do and how to pay my bill. That's all.
Consumer complaint received 2019-09-07
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: ID Analytics, Inc. (OH)

I have filed a complaint before about the fraudulent addresses on my credit report. I do not live at these address and I need them removed they are not accurate : XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX OH XXXX. I requested some form a contract we verification on this 3rd party collection account that I have never done business with XX/XX/XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XX/XX/XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XX/XX/XXXX {$1200.00} I was informed federal law requires that credit bureaus provide mechanisms to ensure that each item on my credit report actually belongs to me. If the above items are inaccurate, misleading or incomplete you may have violated federal law. I don't know how many times I have to keep asking for the proper paperwork I have not received anything and its been longer than 30 days!!
Consumer complaint received 2020-08-17
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)

THE DISPUTED ACCOUNT LISTED DOES NOT RELATE TO ANY AUTHORIZED TRANSACTIONS DONE BY ME. I HAVE NO KNOWLEDGE OF THOSE DEROGATORY ACCOUNTS ON MY FILE AND I WOULD LIKE FOR THOSE ACCOUNTS TO BE REMOVED, PLEASE CONDUCT A RE-INVESTIGATION INTO THIS MATTER AND HAVE THOSE ACCOUNTS OFF MY CREDIT FILE FOR THEY HAVE CAUSED SERIOUS DAMAGE TO MY NAME AND CREDIT HISTORY.
Consumer complaint received 2021-07-14
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (PA)

Hello thank you, I had a Wells Fargo Checking account I thought was closed. 
They sent me a note out of the blue that said they " charged off XXXX $ ( XXXX dollars and XXXX XXXX  ) That amount was their late fees for the unpaid charges to the account for having it open. 
Again I was not aware it was open. 

I did not receive correspondence previous to this charge off, one of the agents said there were no records of letters sent to inform me or to give me a chance to pay this amount. 

meanwhile, I have Wells Fargo online banking and a credit card open with tons of available funds to cover such a small amount and would have thought they would communicate via my secure message or try to call me or something? 

I did eventually get the charge-off letter and the announcement that this would be sent to the XXXX XXXX XXXX as a charge-off. This will make my banking life and applications for credit an issue moving forward. 

The discussions I had were as predicted, to be shifted between departments and eventually sent a letter saying they feel good about the reporting to the XXXX XXXX XXXX. 

I would like to pay the amount and have the notification of my charge off removed from XXXX XXXX Services. 

I also received several calls to clarify this matter from other representatives over the last month or so. I frequently referenced my change of address and shared that information with the representatives. It feels aggressive that the person writing this proclamation ( see attached ) went ahead and sent it to my old address with no phone call. 

Additionally, I did receive a note in my online banking secure message about the charge off ( after the fact ) curious why that messaging option was not used to contact me? I feel the most recent representative is unwilling to acknowledge the limitations of their efforts to resolve the issue and maybe just a mistake? Choosing to simply charge off uncaring of the impact on my credit for XXXX dollars is not great business. I have been working with Wells Fargo since I was XXXX, now XXXX such a shame! 

Please advise.
Consumer complaint received 2019-09-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (NV)

XXXX XXXX XXXX XXXX is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$2800.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2014 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Consumer complaint received 2019-09-07
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: SYNCHRONY FINANCIAL (FL)

My personal information has been stolen, compromised, used and abused. I have been a victim of identity theft for a long time and it is getting out of hand. There has been numerous of credit cards and retail store accounts opened in my name that I have not authorized or giving anyone permission to use. I have contacted companies to inform them about the situations and I have not received feedback. The following companies that I am aware of ar : 1. XXXX Synchrony Back MasterCard for {$5400.00} opened in XXXX 2.Toys R US MasterCard for XXXX opened in XXXX 3.  XXXX XXXX XXXX for XXXX opened in XXXX 4. JCPenny for {$560.00} opened in XXXX 5. XXXX XXXX for {$1200.00} opened in XXXX 6. Care Credit for {$7500.00} opened in XXXX These items are appearing on my credit report and I am asking for them to all be removed. I have contacted these companies and all accounts have been closed. This has been taking a toll on my health, my finances and my household.
Consumer complaint received 2019-09-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Neon Newco Corporation (OR)

I dispute transactions on my account for the amount {$1100.00}. I was XXXX at the time so I couldn't have authorize the transaction and my funds still hasn't been returned to my account. The bank trying to tell me I authorize the transaction.
Consumer complaint received 2021-07-14
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (CA)

XXXX, Equifax and XXXX are reporting 4 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 3rd dispute letters to Equifax, XXXX and XXXX since XX/XX/2021 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.
Consumer complaint received 2020-08-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A. (IL)

PNC Bank is the servicer of my current XXXX XXXX home mortgage. PNC was assigned as my servicer when my loan was sold on XX/XX/2020 after my most recent refinancing. I submitted a request in writing ( via email per PNC policy ) to terminate my escrow account on XX/XX/2020. After multiple inquires via telephone, I received a letter date XX/XX/2020 approving the removal of my escrow account. Unfortunately, this letter also stated that PNC will be charging a " escrow account closure fee '' of {$670.00}. After multiple phone conversations, including the highest ranking supervisor with which I was allowed to speak, I was informed that there is no way to remove this fee and that it is all legal per my loan conditions. In the previous three refis, I have never run into this sort of issue. I've closed multiple escrow accounts over the years on several properties without ever being charged a " closure fee. '' I've never been late on a payment, never asked/received any bank assistance, and have more than any required equity in this property.
Consumer complaint received 2022-03-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I sent disputed to Transunion, XXXX and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over XXXX  days and have failed to respond. I am attaching a Copy of all letters sent below. 

This company has violated FCRA XXXX ( a ) b ) by failing to mark this disputed account as disputed XXXX ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA XXXX per the FTC opinion.
Consumer complaint received 2020-08-17
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: ROBINHOOD MARKETS INC. (NJ)

I submitted two transfers from my XXXX XXXX account to Robinhood brokerage, in the amount of XXXX usd and XXXX usd on XX/XX/XXXX and XX/XX/XXXX. While Robinhood says it will take 5 business days to transfer, they are doing disservice and not being ethical. Why. My bank says funds have been withdrawn. And it said that 2 days back. But it doesnt reflect in my Robinhood account. They say we said 5 trading  days. But this is unfair as my experience with other brokerages such as XXXX XXXX takes no more than 3 days. 

Robinhood is holding this amount to make money for two extra days in interest without transferring to my account. This needs to be investigated. Thank you.
Consumer complaint received 2020-08-17
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)

Its been over 30 days and I've reached out several different times. These Companies hasn't responded or opened my request to dispute any of the items I have requested to dispute. XXXX  and Equifax both just opened a dispute today XX/XX/2020, when the initial request and complaint was submitted XX/XX/2020. By Law they are not complying and its not fair I am now Requesting that they remove all unverified items from my credit report. The Law requires them to respond within 30 days. Failure to comply with these federal trade Commission ( see 15 USC 41, et seq. )