davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-10-07
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. (FL)

I have XXXX XXXX XXXX reporting late pays on equifax in the year XXXX and XXXX however i didnt have any lates since XXXX, please remove these incorrect reportings asap these are incorrect. I attached a copy of my equifax report to show this however i was never late or received any late notices, i remember an issue awhile ago where XXXX XXXX was not sending me information however that was resolved in house at XXXX and the late fees were removed i need complete verification and deletion i thought this issue beeeeeen resolved i have any documents u may need me to provide asap this is not good to have been on my credit this long and i was unaware of it
Consumer complaint received 2020-04-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CT)

Early morning of XX/XX/XXXX, I attempted to pay a couple of bills online with JP Morgan Chase. Chase, for an unknown reason, decided to lock my accounts preventing me to access my accounts or funds. I was told " We locked your account to protect it from suspicious activity. To unlock it, call XXXX. '' I found NOTHING suspicious about this activity. 

I called the number provided around XXXX. After an hour + wait time, the representative put me though an extensive security check. Once complete, the representative stated, " We can no go ahead and unlock your account. However, before doing so, I need you to answer ... '' Then she proceeded to ask me, who I'm paying. Fine, I understand that question. But then she asks, why am I paying them and how long have I known them. When I explained I didn't think that was her business, she said she this was JPM 's policy and she would escalate this. After about 30 more minutes on hold, I was hung up on. I attempted to call back, but have about a 45 minute hold time, I hung up. I called the executive team, and spoke with XXXX. XXXX expressed how she understood and she was going to make this an urgent case. After about 2 hours of no response, I attempted to call senior management. All phone numbers to JPM forwarded my call back to the regular customer service of a 30 to 45 minute wait. However, I did get through to XXXX XXXX. The most XXXX was able to do, was to tell me he had another call, and that I dialed the wrong number. Then he hung up on me. 

I called back the executive office to speak with another placating and useless individual named XXXX. No help. I called back again and spoke with XXXX. XXXX was o no help as well, except to state he does not know when someone will call me back. 

It is now XXXX on Friday. JPM locked my accounts, took away access to all my money, and then told me to wait around and perhaps, if I'm lucky, maybe someone will help me today. Otherwise, I can wait until Monday to have access to my money.
Consumer complaint received 2017-10-07
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. (TN)

Credit report indicates a collection from XXXX dated XXXX XXXX. Consumer does not owe and has repeatedly asked for verification of debt from company and credit bureaus. Contacted company in XXXX XXXX and was told there was no record of debt. When consumer pulled credit report in XXXX XXXX contacted the company again and was told Consumer owed {$500.00} but representative was not able to provide any explanation when consumer asked for verification of debt. Last correspondence sent to XXXX asking for removal or debt validation. Sent on XXXX/XXXX/XXXX tracking number XXXX certified return receipt. Received and signed on XXXX/XXXX/XXXX but no response to consumer. However credit Bureau reported XXXX updated report XXXX/XXXX/XXXX. Equifax has not been able to validate debt also when disputed.
Consumer complaint received 2017-10-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC. (CA)

For a very long time I have been in receipt of phone calls from this organization claiming I owe a debt that does not belong to me. They will not disclose any proof and since I have paid every other bill in my life exactly on time I am bewildered. They have refused to stop calling me both at home and at my workplace and claim to make there own regulations.
Consumer complaint received 2017-10-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (FL)

These school loans were taken out in XXXX to XXXX. They have been reported on my credit EVER SINCE. Navient has been garnishing my wages and taking my tax returns for over 10 years. I never got a breakdown or receipt of where the money they took was going. Everytime I would call to beg for a reasonable payment plan, they would defer them because I 'm dirt poor, with no degree. If I worked full time, I did badly in school. The college told me to take out loans, so I did. I finally consolidated them ... which did n't help anything. Now on my credit report they all show twice, making it look like I owe double what I actually owe. Again, I called, no more options they told me. Pay {$1200.00} a month or nothing. I cried, I begged. They said I could pay $ XXXX. I 'M POOR. These loans are ruining my life. I ca n't get credit. I ca n't rent a car. I ca n't get a good price on auto insurance and I do n't even have a degree to show for it. Everytime I go to try to do something about it, they tell me what I need to pay, or they tell me I will continue to have bad credit, ect. I get discouraged and depressed and give up. I get letters from 7 different companies. For different amounts. With different account numbers. I do n't know which way is up. They 've taken thousands when I had kids in my custody and I still have no proof of what has been paid. Finally someone told me to contact the credit bureau to validate the debt. That way I would be able to see what was paid, how much they 've taken, what the debt is, to who, ect. Instead Navient sent me a letter saying the debt was verified and they re-aged all the loans, with no other paperwork. I 'm at my wits end. I want to make them right, but I just do n't know how.
Consumer complaint received 2017-10-06
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Risecredit, LLC (WI)

On XXXX/XXXX/XXXX I tried to finish my application for a credit line from XXXX financial when they requested verification of my documentation. 

The concern I have is that they have requested my personal bank statement which shows my account number and name and date to verify my account. 
Prior to this they also requested my personal bank ID # ( separate from account # which is used for logging into my bank account information and my personal password to my account. 
I sent them the top of my bank statement and they would not accept it because I did n't include the entire statement. 
When I phoned XXXX they stated they needed this information to verify my account which is simply not true which my bank informed me. I told them that the rest of my bank statement is my personal banking transactions with private parties which they do not need access to for this verification. They insisted that they do. 
They will deny the credit line if I do not provide my entire bank statement which I feel is unacceptable to obtain credit. They do not inform you of this process until after you have completed the application and I feel it is wrong and misleading.
Consumer complaint received 2017-10-07
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Deutsche Bank (NY)

In USA the legal transfer fees commission is {$15.00} for all XXXXnstitution except for Deutsche Bank NY that collect 11 % commission which is illegal and abusive. What is interesting is the fact that the XXXX regulator XXXX has released a damming report into regulatory and compliance failures regarding benchmark rate rigging. Also it is not clear if this Abuse has anything to do with Deutsche Bank scaling back US operation???? Also is not clear if this is in retaliation to Department of Justice seeking a {$14.00} billion settlement amount that is bigger then Deutsche Bank market capitalization???? Lets take a transaction from XXXX XXXX XXXX and I will explain what is going on. XXXX/XXXX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX : DEUTSCHE BANK XXXX, XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX : XXXX. XXXX XXXX XXXX XXXX  XXXX REF :  XXXX REF XXXX On the US {$290.00} and on top there is another {$15.00} and the left over amount is only {$270.00}. This extra commission of Euro XXXX started on XXXX XXXXMy name is XXXX XXXX and since XXXX I am collecting my pension from a XXXX Company XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( XXXX ) My pension from XXXX is XXXX XXXX. In XXXX there is collected a commission of XXXX XXXX. Deutsche Bank XXXX transfer to NY XXXX XXXX. Deutsche Bank will take in NY another commission of XXXX XXXX so the amount received is only XXXX XXXX. The rate used to exchange it in US is XXXX = {>= $1,000,000} so for XXXX XXXX I got {$XXXX}. In XXXX the payment is very late and I can never count on it but there is an exchange rate of 1 XXXX  = {$0.00} OR 26 % COMMISSION. For XXXX XXXX, XXXX the real and official exchange rate was XXXX XXXX = {$1.00}. The rate used by Deutsche Bank NY is XXXX XXXX = {$0.00} and this is another abuse. Today XXXX XXXX the rate is XXXX - {$1.00} and the rate used for my transfer after all fees taken is XXXX XXXX - {$0.00}!!!!!!! I consider that the abuses of Deutsche bank with no respect for the fact that operate inside USA. collects illegal In my situation XXXX XXXX that is a lot of money taken from my pension. Now a commission of 26 % of my monthly payments of XXXX XXXX taken by Deutsche Bank XXXX and Deutsche Bank USA!!!!!. If all banks in USA used only a flat fees of {$15.00} why Deutsche Bank NY is allow to abuse people from USA. When you call them they ignore you. When my banks called them they ignore them too. Deutsche Bank abuse inside USA the transfers to American People by charging XXXX XXXX commission for international transfer fees. Since they take a commission in XXXX of XXXX XXXX and another one in XXXX. of XXXX XXXX for each XXXX XXXX Transfer.
Consumer complaint received 2017-10-06
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (NY)

Lowes promised me that the XX/XX/XXXX interest amount of {$240.00} would be credited back to me a few months ago and after numerous attempts to get this credited, they keep giving me different answers. I used the email system on their website only to get a scripted message about interest, which I understand. I used the chat service only to be cut off, told wrong information, told the XX/XX/XXXX interest was for the month was waived ( Even though I said over and over it was the XX/XX/XXXX interest for XX/XX/XXXX ) and told to call a different number after a different number. Ive spoken to managers who said they could do nothing, associates the same and each time I was clear, that I was told, by one of their reps, that my purchases were not applied correctly to promo 's. THEIR rep agreed, told me they would refund that months interest and still nothing. They promised this as a resolution and I accepted. Yet, no person can help me get this fixed?
Consumer complaint received 2022-08-05
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. (IL)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items 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 any item 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 items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$740.00} ; XXXXXXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$520.00} ; XXXXXXXX XXXX XXXXXXXX  ( XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX {$300.00} ; XXXXXXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX {$680.00} ; XXXXXXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX {$760.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX : {$470.00} ; XXXX, T ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, MN XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX According to 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.
Consumer complaint received 2017-10-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: CITIBANK, N.A. (CA)

I have a checking account with Citibank. In XX/XX/XXXX of this, Citibank changed their fee structure for their Citigold accounts introducing a {$30.00} per month service fee. As a result, I requested Citibank change my account type ( also in XX/XX/XXXX ) to their Citi Priority service in order to avoid such fees. I received confirmations from the bank that this changes had been made. 

Since XX/XX/XXXX, Citibank has continued to charge me the {$30.00} service fee on my account. I have contacted them multiple times to resolve this, but they continue to charge this fee in error and I have to contact them every time in order to have these fees refunded. My most recent request sent on XX/XX/XXXX received an irrelevant reply and the fees remain charged to my account. 

I consider this the most simple of requests, but I am frustrated by Citibanks inability to ensure they are not charging me unduly.
Consumer complaint received 2017-10-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (MI)

In the wake of the recent data breach, I checked and found that my data had " probably '' been compromised. Financial experts on TV recommend putting a freeze on my credit so that no one can take out credit in my name. To do this I understand I am supposed to contact all three agencies. Today I tried to access the Equifax site to place a freeze and discovered that there is a {$10.00} charge for Michigan residents to start, lift temporarily, or permanently remove a freeze. No one mentioned a fee. And there is no explanation as to why a fee is being charged. I assume all the agencies charge fees. It seems to me that I am being asked to pay {$30.00} per action per freeze by the very people whose incompetence make a freeze necessary. Mark me down as an unhappy consumer. By the way, CFPB is the best thing since sliced bread. I hope the current regime lets you continue to do your important job. Blessings!
Consumer complaint received 2023-01-07
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: U.S. BANCORP (GA)

I am victim of identity theft and someone used my personal information to obtain goods and services in my name without my consent. I did not benefit from any goods or services of these fraudulent accounts opened in my name. I am requesting for XXXX, under FCRA 605B, to block and remove these fraudulent account immediately or legal actions will be taken against your company. I have attached a copy of my police report filed with XXXX Police Department and FTC Report to this correspondence. 

I am requesting for the following accounts to be blocked and removed immediately due to identity theft : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2017-10-06
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY (GA)

I deposit a large amount of money i won from a worker comp case in the amount of, XXXX ON XXXX XXXX,2016 ii need to be secure in knowing i did n't get erorr on this account.
Consumer complaint received 2021-04-22
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: Westlake Services, LLC (NY)

I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 

XXXX XXXX XXXX/XXXX  XXXX XX/XX/2020 XX/XX/2020 XXXX/WESTLAKE FINANC  XX/XX/2020 XXXX  XX/XX/2020
Consumer complaint received 2017-10-06
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: JPMORGAN CHASE & CO. (FL)

CHASE MTG, XXXX, XXXX Its been a total or more than 6 months for this situation with Chase mortgage. Ive asked for Chase mortgage to show me steps that were taken for the verification process between creditor and credit bureau. I am requesting CHASE MTG, XXXX & XXXX credit reporting agencies to show me proof of verification that is supposed to be in your files. By law FCRA requires an established process to be outlined and all credit reporting companies are to verify every account it reports on before reporting on it but you guys are reporting and doing things backwards, there for you are breaking the law. Anything that isnt done appropriately can land you guys in hot water and in trouble with a lawsuit. This is my final attempt to resolve this account and I am requesting it to be removed permanently from my credit file. I have recorded all attempts to contact you through certified mail, FTC, BBB. I am in the process of filing a law suit. Why isnt this account removed from my credit file, the letter clearly says that there is no account under my name
Consumer complaint received 2017-10-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: One Technologies, LP (CA)

I want to report consumer fraud. I used XXXX, which I believe is located at XXXX XXXX XXXX XXXX, XXXX XXXX Pmb XXXX, XXXX TX XXXX. After entering my information, I received three credit scores from the various bureaus. The scores I received from XXXX were XXXX, XXXX, and XXXX. XXXX represented that these were my scores and advertised its services to improve the scores. I know I have excellent credit and was surprised by my scores, so I went to XXXX and requested my scores and reports from all three bureaus. I did this within minutes off receiving the scores from XXXX. My actual scores are XXXX, XXXX, XXXX. It became clear to me that XXXX was reducing the actual scores of consumers in order to encourage the sale of their services. After a period of time, XXXX could simply report the actual scores and claim that their efforts improved my scores worked, improving the chances that they will get an ongoing customer. This is clearly consumer fraud and unfair business practices. I immediately cancelled the recurring fee by phone, but was left disturbed at what occurred.
Consumer complaint received 2020-04-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: SYNCHRONY FINANCIAL (TX)

I used a small portion of the credit on the card for medical reasons. I am on a fixed income, they know that I was on a fixed income when I applied and they opted me into an insurance credit that I did not ask for.
Consumer complaint received 2020-10-08
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 ACCOUNT FROM SANTANDER AUTO DOES NOT BELONG TO ME SOMEONE USED MY PHOTO ID AND SOCIAL SECURITY NUMBER TO OPEN THESE FRAUDULENT ACCOUNT IN MY NAME I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX  CRA & # XXXX ; s. On XX/XX/2020, I mailed Equifax, XXXX  and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and XXXX XXXX XXXX for other possible violations of the law.