davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: U.S. BANCORP (NY)

I contacted the company several times to change my personal information that was compromised. They refused to change my information to help my identity. My local bank has a different story. I payed through them every month on top for all my payments I made through out every month. I made a XXXX dollar payment out of XXXX dollars before they closed the card then added another XXXX dollars this past month. They seem to raise my loan all the time. The current balance is {$610.00} no transactions so far. available credit is XXXX. Last statement balance {$610.00}. They wanted to have a payment quickly. statement closing date XX/XX/2022 payment due date XXXX ; XXXX miminumun payment {$40.00} When I call them they tell me I have to pay them every XXXX by that date. I told them I have social security. They didnt seem to care. My first payment was XX/XX/2022 of {$100.00} Payment description was payment thank you. for each payment. next payment receeived was XX/XX/2022 of XXXX then XX/XX/2022 {$200.00} then the next payment was XX/XX/2022 of {$50.00}. After my second payment I noticed someone from my local bank contacted me and told me to come in and said someone was pulling out money without my permission. I found out it was the credit card company. They took out the rest of the payment of the card without my permission and consent that month after I payed them {$100.00} on XX/XX/2022 everytime someone uses that card or number my loan increases. They refuse to close it. They keep it open all the time.
Consumer complaint received 2022-09-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Real Time Group, Inc. (UT)

Please HELP! I have submitted info to everyone I could think of, nobody has been able to help or able to tell me where to go next! Quick summary, in 2019 my mortgage was a month and a half passed due, in fear of foreclosure, I agreed to sale my home of XXXX yrs to a man who called me from XXXX XXXX XXXX whom explain to me I could rent the home from him stay in the home and have the option to purchase XXXX years later while that day came and when I went to go purchase the home again I found out that the mortgage was still in my name you cant get a new mortgage on a home that you already have a mortgage on so then I went to the title company and there were a few title pages that I had never seen before but had supposedly had my second signature on them but I believe they were added at a later date without my knowledge also I keep getting informed that Im late or behind on payments for the home and that the mortgage company had changed and the information had also changed he had gone in and change the addresses so that I wasnt getting any of the statements or so I never found out about it and he changed it to his address in XXXX XXXX well now he has stopped making the payments on the home XXXX late at least the last 10 months in a row and finally there is a notice from the bank on the door for repossession and it is killing my credit. I cant even rent an apartment or do anything with that on my credit report that is so not fair I want my house back and thats off of my credit it is out of my control and was not my fault please somebody help me thank you XXXX XXXX XXXX
Consumer complaint received 2022-09-27
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: JPMORGAN CHASE & CO. (MT)

On XX/XX/2022 I made a purchase on an online apparel site, XXXX XXXX XXXX, for {$35.00}. I paid for the order using my Chase Freedom Flex credit card. Immediately after I made the purchase I needed to change details of the order so I contacted the company to cancel the order. The company confirmed via email that the order was cancelled on XX/XX/XXXX, the same day. I never received a refund for the cancelled order. I attempted for several weeks to contact the company about refunding the money, but I received no response. I filed a claim with Chase Bank about the fraudulent charge, and provided the email chains showing my attempts to work with the business, as well as details about the company 's return policy. Chase closed my dispute with no resolution and no written communication to me. After I contacted Chase, they confirmed that they did not investigate my dispute and closed it, but they were kind enough to reopen it. I asked them if they needed any additional documentation from me in order to process the refund, and they confirmed that they did not need anything else from me. Recently, my dispute was closed again with no written communication to me. I contacted Chase 's customer support and they again informed me that they did not investigate my dispute, did not settle on a resolution for my dispute, and closed my dispute again because it was old. I informed them of the legal obligation they had to investigate my dispute and insisted that they reopen my dispute, but they refused. I informed them that I would report them to the CFPB if they would not investigate my dispute, and they did not seem to care about that either.
Consumer complaint received 2020-06-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: NAVY FEDERAL CREDIT UNION (VA)

I contact my bank after 19 years of accounts, to get a business cc, I was originally told they were not accepting nay applications for credit cards, then I asked to speak to a manager, or see this policy in writing then the representative stated she would send me the application, I filled it out and submitted back to the bank, and wait almost 4 weeks to then receive a denial of credit, I do not have any outstanding debt payments are made timely, for my mortgages ( 2 ) and no other derogatory statements on my credit. I am attempting to build my business credit and have been rail road  I then received a letter the next day I asked about the credit application stating denial without significant reasoning on what I was denied
Consumer complaint received 2024-09-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

XXXX. Supposed been a direct deposit from my employer, XXXX XXXX XXXX XXXX at XXXX XXXX. Never received it, never heard anything about a delay from this bank until I checked XXXX. Reached out to the bank never received notification about anything but me and millions other is experiencing this diaster
Consumer complaint received 2021-08-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Recently I looked at a copy of my credit report and noticed several incorrect accounts. I feel that these accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year. It is my understanding that you will investigate these items for me to en-sure accuracy. My Account currently states Serious Delinquencies on all of my reports. 
This LABEL has seriously hurt my credit rating and I am requesting that is be removed from all bureau reports. 

Here are the items I am asking you to verify as accurate : 1. Through previous correspondences, I have shown that XXXX did not follow suit and remove the file from all three reporting agencies. The file was only removed on Transunion. I am requesting that a follow up be made to make sure this XXXX file is removed from XXXX AND XXXX  ALSO. 

2. Through Previous correspondences, I have shown that XXXX/Dept. of Education has reported inaccurate information regarding my account. XXXX has reported late Payments stating 90 and 120 days when my payment history clearly shows that I was Current the previous month so it was impossible to be 90 days late. I am requesting that this file be deleted due to inaccurate information Due to these inaccuracies, My credit file has been labeled as Serious Delinquencies which is currently damaging my credit worthiness and costing me great harm financially
Consumer complaint received 2022-09-24
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: TransferWise Ltd (TX)

Wise.com ( formerly TransferWise Ltd. ) is an online FX/payment processing portal which my XXXX XXXX XXXX. has set up an online account and approved on XX/XX/2022. On XX/XX/2022 XXXX of our clients wired {$30000.00} to our XXXX account via transfer through Wise.com for IT consulting/development services from XX/XX/2022 thru XX/XX/2022. For some unknown reason, XXXX confiscated this wire ( {$30000.00} ) and closed our account ( XXXX XXXX. ). We have made numerous requests to send back/refund our funds to no avail. We've sent Wise.com numerous daily/weekly reminder emails but NO response back from them. We just want justice and get our {$30000.00} refund back to our other XXXX bank account.
Consumer complaint received 2023-04-08
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: Bridgecrest Acceptance Corporation (FL)

I have contacted these creditors to dispute these accounts and they do not have permissible purpose to be reporting this false accounts nor do they have my correct information or documents. they are in violation of my consumer rights according to consumer law. The creditors are Bridgecrest, XXXX and XXXX federal
Consumer complaint received 2021-08-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc. (CA)

Trying put freeze my credit settings on experian.com/freeze results in constants errors and an impossible follow-on process to get this done. It looks like almost a deliberate attempt to prevent a consumer to put a freeze on a service that they have not requested or asked for in the first place.
Consumer complaint received 2022-05-02
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. (TX)

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX  Account Number : XXXX XXXX Account Number : XXXX 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 2022-05-02
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: CREDIT ACCEPTANCE CORPORATION (NC)

In accordance with the fair credit Reporting act XXXX XXXX XXXX XXXX has violated my rights 15USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2024-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: FIRST NATIONAL BANK OF OMAHA (GA)

As per the guidance from the Consumer Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within 4 business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of XXXX XXXX  debt bondage and would like for all listed accounts to be blocked and deleted company information with XXXX, XXXX and XXXX. Please delete the following accounts. XXXX XXXX {$160.00}, XXXX {$0.00}, FNB OMAHA {$10000.00}, and XXXX {$0.00}
Consumer complaint received 2022-09-27
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 (PA)

On or about XX/XX/XXXX, I notified Barclays that there was fraud activity on my credit card. The complaint was taken in, the items disputed were itemized, and I received a new credit card account number. Despite Barclays taking in this fraud complaint the only action Barclays completed was sending me a new card. The items in dispute remained on my statements and the account that was stolen remained open. 

On or about XX/XX/XXXX, I notified Barclays that the fraud activity complaint was not resolved. I was told by XXXX # XXXX that no fraud complaint was ever received and that I would need to put a new fraud claim in. I proceeded to spend the next XXXX hours working with Barclays to again put in the items disputed. I was told this would take XXXX to 2 months to resolve. After the call I received a letter from Barclays stating that they closed the account impacted by fraud ( the action that was supposed to take place after the XX/XX/XXXX call ). 

On or about XX/XX/XXXX, I notified Barclays that they removed 4 of the 5 fraud items but the 5th item was not removed from the account. I was told by XXXX XXXX XXXX XXXX said the agents don't have ID # s ) that the fraud review was still open and no action has been taken. I pointed out that 4 of the 5 items had been removed. The Agent could not explain why the 5th item remained on the account. The Agent said she would put me back into the fraud system for review. I asked to speak with a manager and was told I would be put in the Manager callback queue for a call that may occur in 1 to 5 business days.

It appears to me that Barclays is deceptive in its dispute process. I am being negatively impacted as Barclays continues to report me as not making payments, when the only items outstanding relate to the fraud that was reported to Barclays over 5 months ago.
Consumer complaint received 2020-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

My identity has been compromised and I've reported this, however the 3 major credit reporting agencies has not responded accordingly. I've demanded that the following unauthorized accounts be blocked and removed from my credit file, or the 3 agencies shall provide me with the Method of Verification along with certified physical documentation relating to these accounts. In accordance with the laws of the FCRA these accounts shall be removed. 

1 ) XXXX XXXX  XXXX 2 ) XXXX Child Support XXXX {$21000.00} 3 ) US Dept of Education {$7500.00} 4 ) Dept of ED/XXXX {$6000.00} 5 ) Dept of ED/ XXXX {$3500.00} 6 ) XXXX   {$1100.00} 7 ) XXXX XXXX XXXX {$240.00} 8 ) XXXX XXXX   XXXX XXXX {$470.00}
Consumer complaint received 2024-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: DISCOVER BANK (FL)

Statement of Fact : Congress found that the purpose of the Fair Credit Reporting Act ( FCRA ) is to require that consumer reporting agencies ( e.g. XXXX, XXXX and XXXX ) adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance and other information in a manner which is fair and equitable to the consumer. 




Affiant Facts : Affiant is aware and has proof in the attachment labeled as Exhibit B. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DISCOVERBANK ACCOUNT XXXX XXXX  in violation of several laws in regard to how they are reporting and are stated as follows : 15USC1681-A 15USC1681s-2 15USC1681a 2 ( A ) ( i ) The inaccurate reporting of both my account status and payment status by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DISCOVERBANK ACCOUNT # XXXX is causing harm to my credit reputation and financial standing. 

All items listed in Exhibit B are invalid, inaccurate, not timely and carry no documented evidence, it is damaging to my character, creditworthiness and well being by falsely stating those non compliant unverifiable accounts on my report.
Consumer complaint received 2020-10-08
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: Experian Information Solutions Inc. (FL)

This is my third complaint against Experian via CFPB XXXX, XXXX and copies of 3 Certified letters that was sent and received by Experian to show their total disregard for my rights Under FCRA, they have not responded within the required timeframe and made frivolous statements that they do not believe I am who I say I am even though I have included my identification in every single letter I have sent to them, I have also included all the letters I sent to them by certified mail. Experian is now requesting I call them directly which I refuse to do because I want to have everything documented and thought using a third party ( CFPB ) would be my best option, I would rather keep all corespondent in this forum for my proof. I am demanding that they remove these unverified accounts immediately and I am now asking CFPB to verify that they have in fact violated my rights under FCRA have not responded to my certified letters within the required timeframe and under FCRA must now remove all accounts in question.
Consumer complaint received 2022-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I sent a letter on XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX. 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. 
XXXX XXXX XXXXXXXX, XXXX, XXXX, XXXX Inquiries : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX ( a ) of the FCRA requires XXXX CRA to XXXX a reasonable reinvestigation of any item of information in a consumer 's file if the consumer alleges the item to be inaccurate within 30 days. I haven't received a response and verification 15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Consumer complaint received 2022-07-11
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. (MD)

I have accounts that are reporting wrong and incorrect information. I have tried relentlessly to remove these errors from my credit report with the original creditor and the credit bureau 's, however, I have been unsuccessful as the credit bureau 's and original creditors have been violating federal law! The account from XXXX XXXX XXXX with the account numbers XXXX and XXXX are reporting late payments that are incorrect. According to 15 U.S. Code 1666b- Timing of Payment EQUIFAX XXXX XXXX XXXX AND XXXX ARE BREAKING THE LAW. Pursuant to subsection ( A ) A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I, XXXX XXXX, did not receive a periodic statement 21 days before my account was going to be late which is a violation of federal law. Additionally, a creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose. I have attached a copy of the law to this document. I demand the late payment ( s ) be removed from the following account ( s ) immediately. XXXX XXXX XXXX XXXX and XXXX
Consumer complaint received 2022-07-10
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. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2020-10-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (IN)

I have banked with chase for a very long time now and never had a fraud problem every. Im a XX/XX/XXXX XX/XX/XXXXr who had a bad time due to catchingXX/XX/XXXXXXXX I applied for a XXXX loan and was approved on XX/XX/2020. I then used money and was back in scape and better health to get my business running again. I lost my debit card the end of XXXX so I went into branch to deposit some money on XX/XX/2020 I was profiled by the telling seeing the amount of money in my account and I wasnt up to part that day. Without my knowing chase closed my account and took 19,000 from me stating I accepted the loan in a personal account instead of a business account.It was not a requirement to put it in a business account. And I also explained to them I was profiled because I had the loan over a month now and once I went into the branch my account got frozen I also spend have of the money putting into my XX/XX/XXXXand chase added my money I walked in or was direct deposited into my account in total of the loan amount and took that as well. They ask me to provide documents from taxes which I did and they told me a 1099 was good enough. Once again I explained to them Im a small business owner who applied threw my social security so I dont have a EIN. Nothing I have provided is good for them to release my money it has been over a month they took my money and now Im back in the struggling stage. I also called asked them to send it back to the lender which is XXXX and I was denied that as well I was told the money will be with chase for 2 years then released to me
Consumer complaint received 2022-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  He told me it was going to be a soft inquiry and not hit my credit score. he was very misleading