davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (FL)

I made a transfer on XX/XX/2022 from my Chase checking account to a new XXXX XXXX savings account in the amount of {$65000.00}. The transaction was completed correctly. On XX/XX/2022, at XXXXXXXX XXXX XXXXXXXX, I used my phone app to open my Chase account. There were two pending transfers of {$65000.00} each from Chase to XXXX XXXX. I did not authorized either of those transactions. 

I contacted Chase customer support at XXXXXXXX XXXX XXXX on XX/XX/2022. I was told several reasons, but eventually the representative indicated a claim would be initiated and my money should be returned to my account within 12 hours. I was also told that XXXX XXXX was the company who caused this problem. I made numerous call back to Chase customer service during the day and was given different suggestions and answers. My saving account was {$0.00} and my checking overdrawn by over {$100000.00}. I could not pay my bills. ( Case # XXXX ) I called XXXX XXXX at XXXX XXXX XXXX ( soonest they were open ) and was told they did not have the money, only the one transaction I requested on XX/XX/2022. XXXX XXXX indicated they did not have access to my checking account to make the duplicated withdrawals. I talked to XXXX XXXX several times during the day. They sent me the following email : [ Incident : XXXX ] Hello, Thank you for reaching out about your multiple transfers from your Chase account. 

Our Operations team has reviewed and found that the transfer file received and processed contained only one transaction. We have researched this thoroughly and have not found that XXXX duplicated your transaction. 

We recommend that you reach back out to Chase to have them research this further and escalate to their team. 

Thank you, XXXX Chase has not followed up with emails or other contact to inform me what is being done to return the {$130000.00} back to my account. I was told by Chase they would be sending me an email.
Consumer complaint received 2023-05-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AFNI INC. (CT)

AS OF XX/XX/2023 I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING ON MY CREDIT PROFILE AND CONSUMERS REPORT AFNI , INC . 
Original creditor : XXXX XXXX XXXX Balance details 0 % paid off Balance {$78.00} Balance updated XXXX XXXX, XXXX  Original balance {$78.00} Account info Account number XXXX Date opened XX/XX/2023 Account type Collection Status Collection account. {$78.00} past due as of XXXX XXXX. 
Status updated XX/XX/2023 Contact info Name AFNI , INC . 
Address po box XXXX XXXX, IL XXXX Phone number ( XXXX ) XXXX THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT
Consumer complaint received 2022-08-08
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NC)

on XX/XX/2022 I sent a letter regarding inaccurate and misleading things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my dispute. Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days give a reason to immediately remove those items from my credit report it has been over 45 days so they should be deleted promptly. I demand these accounts be removed immediately or I will file for litigation due to the stress you caused in my life. My Information was also impacted by the XXXX data breach and may have got into the hands of the wrong person .... In the recent investigation brought upon XXXX, I found that my consumer file is being irresponsibly tampered with. Over the past 6-12 months I made several attempts remind them of there duty pursuant 15 USC 1681. I feel they are intentionally and willfully being neglectful in my request. 15 USC 1681e ( b ) assures that I am due, promised accuracy in my consumer report based on Federal law. This is another attempt to have these errors corrected. 15 USC 1681i ( A.5 ) states after the reinvestigations all of the unverified information must be promptly removed and blocked.
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (TX)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.
Consumer complaint received 2022-08-13
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (WA)

To whom it my concern Thank you so much for helping me first. I think Citibank is violating banking laws and robbed my money. Here is what happened to me at Citibank. 

I opened a new checking account and a new saving account in XXXX 2022 at Citibank. 
Then I transferred total {$50000.00} dollars to my new checking account at Citibank from my own account at XXXX XXXX  and I transferred total {$10000.00} dollars to my new saving account at Citibank from my own account at XXXX XXXX XXXX. 

On XXXX2022, I received a written notice from Citibank that all my accounts, both checking and saving at Citibank are closed and I will get all the money back which is total {$60000.00} by check in mail with 30-60 days. The 60th day is XX/XX/2022. 

Today is XXXX2022, clearly the 60 days have already passed, and I didn't receive any money back till now. I called Citibank several times, they said the money on my account will not be given back to me and Citibank don't owe me any money. Citibank said the money does not belong to me anymore. 

Citibank said if I want to get my money back, the only solution is to go to XXXX and XXXX XXXX XXXX to file a claim and reverse the transaction because Citibank will not give me any money back. Then I went to XXXX and XXXX XXXXXXXX XXXX and told them what Citibank have told me. However, both XXXX and XXXX XXXX XXXXXXXX said all the transactions are valid since it is me who sent the money and all the transactions have been finalized and the Citibank has confirmed the money is received. All XXXX and XXXX XXXX  XXXX can do is to provide me bank statements which will proof the money sent out is my money. 

I am really hopeless right now since there is no way I can get my own hard earned money back from Citibank by myself. and I think I am robbed by Citibank. I have recored all the phone call with Citibank as evidence. And I have other evidence like my Citibank debit card, my Citibank account paper check, my Citibank account related email etc. 

Here are the dates and amount of the transaction for your reference. 
My XXXX XXXX  checking account to my Citibank checking account : ( XXXX ) on XXXXXXXX2022, {$25.00} dollars. 
( XXXX ) on XXXX2022, {$970.00} dollars. 
( XXXX ) on XXXX2022, {$1000.00} dollars. 
( XXXX ) on XX/XX/2022, {$25000.00} dollars. 
( XXXX ) on XX/XX/2022, {$23000.00} dollars. 
My XXXX XXXX XXXX checking account to my Citibank saving account : ( XXXX ) XX/XX/2022, {$10000.00} dollars. 

Thank you so much for helping me again! Hope to hear you back from you soon! 

Sincerely
Consumer complaint received 2022-06-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BARCLAYS BANK DELAWARE (CT)

I received an offer for a Jet Blue credit card. I called to discuss the offer because they gave me something different then i accepted. During the conversation I said I did not want to do business with the credit card company because I felt it was under false terms. I told them close the account, i did not want a card or any business with them. After the conversation i thought i was all set. I never received a card or any corespondence from Jet Blue. 

About 2 months later i received a email from a credit reporting agency stating i was delingient 2 months with Barclay credit card. I did research and found out it was jet blue. I called asked to have the previous call reviewed and asked to speak to a manager and that was declined. I stated i never received a card, bill, never activated or used the card and didnt understand how the card was used which caused me a bill. I was transferred around and then finally told i would get a call back. I got a call back from the fraud unit who was very rude and dismissing and said it was not fraud and they again would not allow me to speak to a manager or have the call reviewed where i said i never wanted the card because i felt JET BLUE LIED about the offer. 

I have worked very hard to build my credt and this caused my credit to drop over 100 points! PLEASE HELP resolve this issue
Consumer complaint received 2023-05-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

THIS COMPANY IS NOT A DUPLICATE. At this point XXXX you have dug yourself into a deep hole. I've given you opportunity after opportunity to simply resolve the issue of unwilling participation in your services. This will be the final complaint personally filed myself. I've outlined consumer laws that you're in violation of and you willfully disregard me. Throughout the duration of this back and forth i've suffered accumulative damages that you're responsible for. 

XXXX & TRANSUNION NOTE, if XXXX  can't furnish all details requested. YOU are also going to be held accountable for willful negligent behavior with the violation of consumer law. There for you will also participate in the financial legal obligations of damage compensation. I've filled complaint siting law violations and you also ignored my request for detailed information by stating all is confirmed. If this complaint closes with this negative late payment account still being allowed on my consumer report. Please make sure your attorneys are made aware of every complaint filed up to this point. 

YOU ARE REQUIRED BY LAW YOU PROVIDE ORIGINAL CONTRACT FURNISHING ALL ACCURATE DETAILS OF DATE TIME AND LOCATION. YOU ARE TO SEND THIS INFORMATION TO THE CFPB FOR PROPER DOCUMENTATION.
Consumer complaint received 2022-05-05
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: ALLY FINANCIAL INC. (TX)

On XX/XX/XXXX I paid my XX/XX/XXXX payment XXXX submitted my payment through Aly Financials third party company. I was reported as being thirty days late. I also have a copy of the receipt. The payment posted as XX/XX/XXXX not the XX/XX/XXXX causing 30 late reporting.I have made several online payments in the same manner and was not reported 30days late. I made a requested on the phone XX/XX/XXXX or XXXX and a written request w a copy the receipt. The reporting is not correct I was 29 days late but not 30. The company states i made the payment on the XXXX and posted on the XXXX. They are not reporting online payments that way if paid within 29 days.. 
.. 
Thanks for your time
Consumer complaint received 2022-08-08
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

on XX/XX/2022 I sent a letter regarding inaccurate and misleading things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my dispute. Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days give a reason to immediately remove those items from my credit report it has been over 45 days so they should be deleted promptly. I demand these accounts be removed immediately or I will file for litigation due to the stress you caused in my life. My Information was also impacted by the XXXX data breach and may have got into the hands of the wrong person .... In the recent investigation brought upon XXXX, I found that my consumer file is being irresponsibly tampered with. Over the past 6-12 months I made several attempts remind them of there duty pursuant 15 USC 1681. I feel they are intentionally and willfully being neglectful in my request. 15 USC 1681e ( b ) assures that I am due, promised accuracy in my consumer report based on Federal law. This is another attempt to have these errors corrected. 15 USC 1681i ( A.5 ) states after the reinvestigations all of the unverified information must be promptly removed and blocked.
Consumer complaint received 2022-08-08
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NY)

I reached out to the consumer reporting agency Experian in XXXX of 2022 requesting a reinvestigation of several accounts. I was sent a letter to saying they do not need my consent to furnish anything on my consumer report and listed the accounts as verified. Consumer reporting agencies need consent to furnish a report pursuant to 15 usc1681b ( a ) ( XXXX ) .No consent is identity theft. They also violated my right to a description of procedure to determine accuracy and completeness pursuant to XXXX usc1681i ( a ) ( XXXX ) ( B ) ( XXXX ). There are also several accounts that have been charged off and are older than 7 years which is a violation of 1681c ( a ) ( XXXX ).
Consumer complaint received 2022-08-08
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (AZ)

I submitted a letter to the 3 Credit Bureaus on XX/XX/2022 " ) to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 
XXXX  XXXX Bankruptcy XXXX XXXX  XXXX Bankruptcy XXXX XXXX  XXXX Bankruptcy XXXX
Consumer complaint received 2022-06-14
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. (TX)

I sent letters to the three big credit bureaus XXXX, Equifax, and XXXX on XX/XX/2022 about five items in my credit report ( letter attached ) and these are the tracking numbers : Equifax : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX I got my results from XXXX and XXXX removing some items but failed to meet my request of showing proof of validation on ones they didn't as mentioned in the letter that I sent them. Equifax removed some items but failed to notify me about the verification and did not send me a credit report.
Consumer complaint received 2022-08-08
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. (NJ)

Credit bureau has a comment on my student loan account that indicates that there is a dispute on this account though there are no active disputes. Comment reads " Dispute resolved, customer disputes after resolution '' This is incorrect. Need comment to reflect " Dispute resolved, customer disagrees '' The words " Disputes after resolution '' is having a negative impact which may cause my current mortgage application to be denied. Please update.
Consumer complaint received 2022-04-25
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA (PA)

American Education Services/PHEAA has been purposely delaying responding to complaints that have recently been submitted. For the several complaints that have been submitted, AES/PHEAA waited the minimum 15 days and then marked all the complaints as Needing additional time which would increase the deadline to 60 days from the 15 day mark allowing the company to respond within 45 additional days. In most cases, they respond by closing the complaint AFTER they wait the 15 minimum days, but in expert opinions, AES/PHEAA 's response did not warrant over 15 days to respond, as it was claimed to be a " duplicate '', which is also false for all the complaints. I am going to be proposing to Congress that AES/PHEAA be charged fees for delaying responses going forward, because I believe they are taking advantage of the 15 day rule. The individual or individuals who close these responses without providing an accurate resolution are not diligently performing their job and the expectations they have as part of their performance should be highly scrutinized. AES/PHEAA has even made remarks in previous complaints that allude to me submitting " too many complaints '', but AES/PHEAA can be assured that with their agency, there are never too many complaints, and other parties have copies of my CFPB correspondence. There are a plethora of borrowers who share these concerns about the Agency. AES/PHEAA should stop pretending not to acknowledge that their agency is a corrupt organization who even the Federal Government no longer trusts.
Consumer complaint received 2022-04-25
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Westlake Services, LLC (NY)

As per the XXXX case XXXX, the dealership XXXX XXXX XXXX fraudulently sold myself, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX. The bank, Westlake Services Inc/ dba Westlake Financial Services is aiding in the fraudulent activity of the dealer after being provided all necessary timely documentation. Neither of the two has paid back what was owed to me. The dealer sold the vehicle as merchantable and repair to render, when it was not, overcharged the vehicle registration fee, and signed the contract under the wrong name and license, making the contract null and void. These are the only 3 know laws that were broken by the dealer as per NYS VAT Law. I have not had a reliable method of transport for almost 2 years and would like any assistance that you can provide. I will provide a few of the necessary documents where allowed. Thank you.
Consumer complaint received 2023-05-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (PA)

My name is XXXX XXXX I am a consumer submitting this complaint on the behalf of my self without any influence from any third party being involved. Fraud had been committed my consumer report, which violates the FCRA and FDCPA. Jefferson Capital is using extortionate means to collect on an alleged debt. I do not owe that resulted from extension of credit which violates tittle 18 USC 892-894 and constitutes racketeering actives and extortion. On XX/XX/XXXX I got a letter from Jefferson Capital about an alleged debt, on XXXX/XXXX I sent a debt validation letter, on XX/XX/XXXX I sent a second debt validation letter. On XX/XX/XXXX Jefferson Capital stated they are closing the account but didn't mention about deleting it from my consumer report. 
This is a notice sent as per the Fair debt Collection Practice Act ( F.D.C.P.A ) 15 U.S.C. 1692 ( G ) section 809 ( B ). This is a request for accounting request raiding list of collateral or statement of account reference to U.C.C 9-210. This authenticated record must include all tax fillings ( including all 1099 's, and 1098 's ) any and all trades and /or investments and /or interests associated with this account of which I am alleged to be a party.

This is also a Notice exercising my rights to prevent the processing of my personal data by Jefferson Capital. Please be advised that providing a memorandum or other statement from your agency, stating that Jefferson Capital the assignment of the account was transferred shall be deemed insufficient. Failure to substantiate the claim, please settle the accounts immediately and cease and desist all communication and have these trade lines deleted from my consumer report immediately and send conformation. PLEASE BE ADVISED YOU ARE IN VIOLATION OF MY CONSUMER RIGHTS AND THE FDCPA.
Consumer complaint received 2022-08-09
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. (NC)

In accordance with the Fair Credit Reporting act 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