davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (TX)

I have been having issues with the business practices of Chase Bank for the last 3 years. Most recently a mortgage payment was returned. I did not receive any notice and the entire transaction is not listed on any statements. I made an in branch appointment only to be called by the branch manager prior to see exactly what I was needed an in person visit for. And again when I entered the building. The employee I was to meet was unavailable so I was assisted with another employee who was in fact able to verify the payment was returned but could not give explanation as to why I did not receive notice. My account balance changes sometimes XXXX times daily, I now screenshot the morning balance and closing balance due to how my checking account gets handled, for instance payments or checks have incurred NSF fees for being posted XXXX with payments credited to account minutes later. Some payments post mid day and incurred fees not even having account negative for XXXX. When asked for refund of fees, I am told I have surpassed the allotted refund policy even with this technicality. 
I have also had the unfortunate tasks of filing an FTC ID Theft complaint, due to having medical ID theft of my deceased mother with my contact information in XXXX. Most recently I have had to dispute a background check XX/XX/XXXX that lists I use an aliases. I completely blame the actions, biased nature, and total negligence of Chase Bank who intentionally gave personal information to conflicted officials. Without proper authorization. I was able to confirm through county records and social media that there is direct relation to the officials and perpetrator using personal information that Chase was responsible for. The fact that the XXXX employees who collaborated in the release of information that was incorrect is totally baffling to me. Receiving calls from a bank with threatening tones telling you to stop calling on accounts you hold and wanting information that now will not confirm or deny is unsatisfactory. Chase Bank Id like you to explain. And please use the same protocol you have not afforded me, put it all in writing and apply all of State and Federal regulations for your actions and or lack thereof.
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: Experian Information Solutions Inc. (FL)

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2018-12-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NV)

In XX/XX/2018, I took out a personal loan with XXXX XXXX XXXX. I walked into the store located on XXXX and XXXX  XXXX in XXXX XXXX. The staff was nice and welcoming, and I took out a {$500.00} loan. I set up a payment arrangement for weekly payments with no missed payments. In XX/XX/XXXX, I was told I had available credit on my account without having to take out and additional loan. XXXX called this a " credit line increase ''. I took advantage of the increase since it was during a time of need. After about six weeks of weekly payments, I had to miss a payment due to health reasons and other finances. Upon checking my credit report, I noticed XXXX marked my previous account as closed and opened another in my name. These are not the terms discussed when the credit line increase was granted. I informed XXXX of this and received no response. My credit score dropped due to this. My payments have been missed for about a month due to the excess interest added to my loan. They've also miscalculated my pay weekly and have me as making {$480.00} per week when my weekly pay is usually no more than {$330.00} per week after taxes. I also let XXXX  know I am on commission and get paid at the end of the month and that's what is used to make payments on my bills. I can not afford weekly payments. By the end of XX/XX/XXXX the loan will be paid off in full, but the interest can not be paid. It is excessive and this is a predatory loan as far as I'm concerned. My income does not match the payment schedule XXXX XXXX XXXX expects and the interest and fees are not able to be paid per my limited income.
Consumer complaint received 2018-12-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY (CA)

I applied for a card with American Express. Because I have had cards with them before. However when I applied for a card today XX/XX/2018 with American Express that had NO annual fee, they Declined me. So I applied right after and I got APPROVED for an American Express Card with an  annual fee of {$550.00}. And when I tried again even after I got approved, to apply for a different card with NO annual fee, they declined me. The point I am trying to make here is that American Express is only approving me for cards with {$550.00} annual fees so they can gouge me. That is completely unfair to consumers like me. I don't mind the card with the annual fee & I plan to keep it open. American Express ran my same credit for 3 different cards : The American Express Cash Magnet card w/NO annual fee. The American Express Blue Cash w/NO annual fee, And the American Express Platinum w/ {$550.00} annual fee. And they only APPROVED me for the card with the annual fee of {$550.00} which is American Express 's best card. This does not make any sense. Please look into this.
Consumer complaint received 2021-03-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I used the " Secure Message '' feature on their online system to ask XXXX to increase my line of credit on a credit card I currently hold with them. They responded with some financial questions along with telling me they would have to do a " Hard Inquiry '' to extend my line of credit. I answered their financial questions, but said I did not want a hard inquiry. They responded that it was their policy and I again said that if it would be done without a hard inquiry fine, but i specifically said no to a hard credit inquiry as it would have a negative effect on my credit score when every point was important. Then they did a hard inquiry anyway. I have since been asking them, both via lengthy and futile phone calls and many more secure message, to contact the Credit Agencies and remove that inquire. I have attached screed shots of the secure messages ( times and dates show ) along with screen shots of when they did the hard inquiry.
Consumer complaint received 2018-12-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX XXXX XXXX {$230.00} & {$200.00} You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised this is against F.C.R.A. law and is a violation of my rights.. 

I challenge the accuracy, compliance and reportability of these listings. The negative marks are inaccurate. There is no contract or valid claimI also contacted original creditor I want these accounts removed immediately or litigation will follow. Please validate this information with and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number.It is against the law to attempt to collect a debt twice ; accounts were settled by my Insurance carrier with original creditors.

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to XXXX or any means of automated verification.
Consumer complaint received 2023-04-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
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. (IL)

I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents attached.
Consumer complaint received 2021-12-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, XXXX  XXXX  inform you that there is no third party involved in the process. I sent letters XXXX  TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. XXXX  now we are in the month of XX/XX/2021 XXXX  still nothing from them. That means TransUnion has NOT complied with the Fair Credit Reporting Act law XXXX  continued XXXX  report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX  XXXX XXXX  XXXX XXXX  ) XXXX
Consumer complaint received 2021-05-10
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. (NC)

I have reviewed a copy of my credit report and I show company XXXX account number XXXX is listed as non-verified account. I have attempted on several times to have this account reviewed with no luck. I have been violated per the FRCA and FDCPA. I will need help for deletion of this account due to attempting to purchase a home.
Consumer complaint received 2022-11-30
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. (PA)

I suspect fraudulent inquiries on my credit report. Below are the inquiries listed. 

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
Consumer complaint received 2021-03-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: JPMORGAN CHASE & CO. (FL)

I used the " Secure Message '' feature on their online system to ask Chase to increase my line of credit on a credit card I currently hold with them. They responded with some financial questions along with telling me they would have to do a " Hard Inquiry '' to extend my line of credit. I answered their financial questions, but said I did not want a hard inquiry. They responded that it was their policy and I again said that if it would be done without a hard inquiry fine, but i specifically said no to a hard credit inquiry as it would have a negative effect on my credit score when every point was important. Then they did a hard inquiry anyway. I have since been asking them, both via lengthy and futile phone calls and many more secure message, to contact the Credit Agencies and remove that inquire. I have attached screed shots of the secure messages ( times and dates show ) along with screen shots of when they did the hard inquiry.
Consumer complaint received 2021-01-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX ; XXXX and Transunion continue to report a collection/chargeoff on the XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) This account has been transferred and therefore can no longer continue to show on my credit report. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report and this line item needs to be removed. This false reporting of a collection/chargeoff is seriously harming my credit score. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2021-01-26
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: First Technology Federal Credit Union (CA)

Hi, I opened a checking account in the First Tech Federal Credit Union for the referral bonus of {$100.00} with a deposit of {$250.00}, so I signed up using one of the links provided by the person. After the successful opening of the checking account, I deposited {$250.00} ( XXXX ) and it's been more than 2 months ever since I deposited the amount. The term said that I need to have {$250.00} for a month until the bonus posts. I never got my bonus and I contacted them via a secured message. Now, they are stating that I need to provide them with the information of the referrer, which I do not have and this was not in the terms for the {$100.00} referral bonus. The term specifically said to open the checking account under their link or with their promotion code and deposit {$250.00}, nothing about letting them know about the referrer 's information. 

Thank you.
Consumer complaint received 2022-07-20
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: Experian Information Solutions Inc. (TX)

I still have hard inquiries that need to be off my credit reports. This is getting ridiculous that I have sent multiple letters. These are old inquiries, please take them off my credit reports. It is making my credit look bad as I'm trying to purchase a home. They should be off by XX/XX/2022, that is XXXX years old. NOT XX/XX/2022. They were also not suppose to even be on my credit report as XXXX XXXX XXXX submitted all these car dealerships/banks without my consent. This is against the law. All I want are these hard inquiries to be deleted like they are suppose to be. I am begging you to have someone delete them! PLEASE.
Consumer complaint received 2022-10-12
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: Grain Technology, Inc. (GA)

I have been trying to make my payment through the app but it is not allowing me to. Ive submitted several requests through their website for someone to contact me and have been unsuccessful and now my payments are past due. I attempted to reach them on : XX/XX/2022, XX/XX/2022 and today XX/XX/2022
Consumer complaint received 2023-04-07
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: Experian Information Solutions Inc. (OH)

My name is XXXX XXXX and I recently checked my credit report, then found out there is credit cards charged off from XXXX, XXXX XXXX and XXXX XXXX under my name. It looks like someone else used my informations to open these accounts. As I NEVER opened these accounts. Please remove them from my report.
Consumer complaint received 2023-04-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WV)

I have been denied credit by several companies due to XXXX repeatedly placing XXXX XXXX XXXX Bank acct XXXX ending in # XXXX back on my credit report. The account was flagged for fraud by XXXX XXXX XXXX XXXX They closed the account an issued me a new card ending in # XXXX. I have sent all the bureaus copies of the correspondence from XXXX XXXX XXXX XXXX XXXX acknowledge the fraud. XXXX & XXXX have even requested the information be updated in the XXXX system XXXX Again I have repeatedly been denied credit due to this issue, which is causing catastrophic issues and increasing my debt load because I can not refinance any of my existing debt. 

I have been attempting to have this information removed since XX/XX/2022.
Consumer complaint received 2022-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the creditor however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these items need to be deleted and/or the late payments need to be updated.
Consumer complaint received 2022-12-12
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: PENTAGON FEDERAL CREDIT UNION (MO)

I, the consumer, and natural person, was denied a car loan by PenFed Credit Union, In violation of 12 CFR Part 1002.

Adverse action against a consumer is AGAINST THE LAW according to 12 CFR Part 1002 of the Equal Opportunity Act. In which Regulation B protects applicants from discrimination in any aspect of a credit transaction and aspects of credit transactions include the following : Consumer credit, Business credit, Mortgage loans Refinancing, Open-end credit, Credit applications, Standards of creditworthiness, Denial of credit, Servicing and collection and Revocation, alteration, or termination of credit 15 U.S. Code 1602 ( g ), The term creditor refers only to a person who regularly extends, whether in connection with loans, sales of property or services, or otherwise, consumer credit which is payable by agreement in more than four installments. 

15 U.S. Code 1602 ( l ), The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. Furthermore, because PenFed as access to my social security number, described as a credit card. I received no benefit in denying me the loan, this is proof of fraudulent activity i.e., unauthorized use. 

12 U.S. Code 1431 - Powers and duties of banks, stipulate PenFed Credit Union can ONLY borrow, and is using my social security number to create credits to fund the loan. 15 U.S. Code 1611, PenFed is willfully and knowing violation in denial of my own credit.
Consumer complaint received 2018-12-15
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Premier Holdings (FL)

I Received A Missed Call On My Cell Phone From XXXX Texas On XX/XX/2018. No Voice Message Left. I Called The Number & A Woman Answered Asking For My Name I Asked Her For The Name Of The Company, She Replied By Saying Hold On & Connected Me With Another Woman Who Claimed She Was An Attorney. 
She Quickly Mumbled Her Name As If She Was Swallowing Her Words. She Preceded To Ask Me To Verify My Social Security Number She Had On File. In A Very Aggressive Manner She Demanded Money For A XXXX  XXXX   Judgement. I Told Her That Something Isnt Right, I Dont Have Any Judgements From XXXX  XXXX  Or Anyone Else. She Then Informed Me That If I Didnt Cure The Default Right Now, She Would File The Paperwork Immediately With The State, To Collect All Monies Thats Stated In The Recorded Judgement. I Asked Her To Send Me All Of The Information By E-Mail. She Refused And Abruptly Hung Up. I Called Back & The Woman That Answered The Phone Was The Same Woman That Answered The Phone Before. She Answers The Phone Without Identifying The Business Name Or The Name Of The Law Firm.

I Asked Her For The Name Of This Business Entity & The Attorneys Name Three Times. Finally She Answered By Saying They Were In XXXX. Again I Asked Her For The Name Of The Attorney & The Business Address. She Said The Name Was Premier Holdings. 
She Refused To Provide Me With The Attorneys Name & Address.I Asked Her For Their Website Address, She Refused To Give Me That Info As Well. I Also Asked For Detailed Information Via Email In Regards To This So Called Judgement, She Just Hung Up On Me.

I Called Back And The Phone Went To Voice Mail. I Tried Calling Back At Least 4 or 5 Times, My Calls Went Right To Voicemail. On My Last Call, I Left A Message Demanding Proof Of All The Paperwork & A Copy Of The Judgement. No One Ever Returned My Call. 
I Have Never Received A Call Like This In My Life. I Am XXXX Years Old & Never Came Accross Such Tactics Similar To Loan Sharks In A Mobster Movie. 
I Am Confident That This Is A Very Unethical Company. They Need To Govern Themselves Accordingly.
Consumer complaint received 2021-11-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: CITIBANK, N.A. (VT)

I have not applied for a Citi XXXX but was notified in late XXXX or early XXXX by my XXXX XXXX account that there was activity on my credit history. I responded to XXXX that I had not applied for any credit and they are in the process of investigating the matter. In the meantime, I received a letter in the mail with a new Citi XXXX ending in XXXX with a XXXX XXXX of {$9400.00}. and XXXX XXXX XXXX of {$2900.00}. I have repeatedly tried to call Citi and have spent a significant amount of time getting bumped around on their ridiculous phone system without ever being connected to an individual. Every phone # I call requires that I either enter my Social Security # or the Credit Card #, neither of which am I comfortable providing since I never applied for this card. 

I have no idea how Citi got my social security number, accessed my credit, or issued a credit card in my name. I would like Citi to immediately terminate the card, update and correct my credit report to reflect that they erroneously issued a card and never, ever contact me again. 

Thank you in advance.