davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (IL)

On XX/XX/XXXX I learned by logging into my Chase account online that one of my credit cards with the company, which has been in good standing since it was opened in XXXX, was closed by the bank on XX/XX/XXXX. The bank did not provide any notice that this card would be closed. My most recent spending and payment on the card was under one year ago, right before the COVID-19 pandemic hit the United States. The unexpected cancellation of this card has negatively impacted my credit score because it shortened my average age of credit. 

I called Chase bank on XX/XX/XXXX within minutes of finding out that my card had been closed in order to reactivate it. Upon calling Chase, the first agent said that Chase emailed me multiple times starting in XX/XX/XXXX and sent me a letter in the mail to alert me of the card closing. I checked my email with the agent on the phone and told her that I had nothing but payment confirmation emails for the other 2 credit card accounts I hold at Chase. Nor did I ever received anything in the mail from them. The agent was unable to do anything to reinstate the card so I asked to be transferred to a higher-up. 

The second agent told me that they did not email me but that they sent me a letter in the mail on XX/XX/XXXX. I have USPS informed delivery, so I receive a digital record of every item that is sent to my address in the mail. There is no record of a letter from Chase bank at the end of XX/XX/XXXX nor did I receive the letter he mentioned. He told me that the bank opted to close my card because there had been no spending on it in the past 6 months. He also said that they would rather I cancel all of my other credit cards with Chase, which carry substantial annual fees, than reactivate this card. 

Without notice, Chase bank closed a credit card that I held in good standing with them for nearly 7 years, on which spending and payments were made in the last 12 months, and when I contacted them to reactivate the card they lied to me about their communication and indicated that my business is meaningless to them. I recommend not working with Chase if you have the option.
Consumer complaint received 2021-01-21
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. (GA)

It has come to my attention that i have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is very inconvenient on my part!
Consumer complaint received 2021-01-21
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. (GA)

I noticed that i have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! I can not accept this!
Consumer complaint received 2022-11-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC. (NH)

{$2500.00} was taken out of our checking account without our permission. We dont know who took it out. They treated us like criminals. Citizens Bank kept cutting me off when trying to talk. They said IF we got it back IF it was fraudulent then we might get it back in XXXX business days.
Consumer complaint received 2021-02-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

There is 3 companies that I reached out and made a settlement with : ( A ) XXXX XXXX ( B ) XXXX ( C ) XXXX But I see it on my records as derogatory status. All 3 agencies have it and they need to update their system
Consumer complaint received 2021-01-21
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

After 10 months of having my accounts with bank of america, they have decided to close all of my accounts and not give me any reason at all for the closures, nor are they willing to let me speak to anyone regarding the reason for my closure. My personal accounts are all with a positive balance and are in good standing at the time that the bank has made a decision to close my accounts. I feel like I am being discriminated against because I am of XXXX decent and the fact that nobody will tell me why this is happening in the first place is completely unfair to me. I have done everything I can to keep my accounts with a positive balance and in good standing and all of a sudden today, I go to make a cash deposit to my account to find out that my cards were all blocked. 

The only thing I can think of would be because I have made several claims on my accounts over the last 10 months for people double charging my account or taking money out without my authorization, but yet it seems like I am to blame for their actions. In fact I have won all of my claims that the bank has reviewed because i was correct with filing those claims at the time they were done. The last claim that was filed under my business account was an ach claim for XXXX prematurely taking out monthly service charges from my account without my authorization because my application with them was never completed. A third party had pushed the application through to them without my final approval and so I started to get billed by them without even knowing it. How is that my fault? It is not, which is why I had filed that claim in the first place. Also XXXX agreed to refund my money for these transactions and they never did, so I filed a claim. Does this warrant a closure of all of my accounts with BofA I think not? Does this mean that I am a risky client because of other people 's actions on my account? I think not as well. So, why would you just decide, out of the blue and when all of my accounts are in good standing with normal day to day transactions, for you to just decide to close all of my accounts? Also, I am 3000 miles away visiting family in Virginia and now I can not have any access to any of my money due to this closure. I have been placed in a very bad situation now because of this and I am clear across the United States with no access to any of my money because of this decision to close my accounts with you. And the simple fact that you can't even give me the courtesy of telling why is yet another issue here. Therefore, I am led to believe that you are discriminating against me due to this premature decision to close and lock my accounts up when I have been doing nothing wrong with my accounts for you to come to this decision in the first place.
Consumer complaint received 2022-09-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

Dear CFPB, I'm writing out of desperation. 

I'm a Bank of America customer, and have been using their credit card to pay off a balance transfer. I had set up automatic payment so that {$800.00} gets deducted every month. However, for whatever reason, this feature was turned off without my knowledge, and as a result my credit card balance went unpaid for one payment cycle. I didn't sign-in to my bank account because I assumed it was on auto pilot. 

It's weird that Bank of America didn't notify immediately but instead waited 1.5 so that they can charge me late fees. It wasn't until a week ago that I received a notice from them about the outstanding balance. I immediately called BoA and they re-set up automatic billing ( which still doesn't show up when I log into my online account ). However, the damage has been done as my credit score went from a XXXX to a XXXX. If they had notified me immediately after the first payment was missed, this would never have happened. It is irresponsible of them to wait until late fees have been added and the late payment has been reported to the credit bureau to contact me, especially given that I have never in my 20 years of being a banking customer missed a payment. 

I've always had excellent credit, have NEVER missed a payment in my life, so this is truly a major blow for my financial situation as I'm about to look for an apartment in the XXXX area but with a XXXX score, I won't qualify for housing and am looking at the possibility of being homeless. I'm trying to rectify this situation and would appreciate your help. Bank of America needs to be held accountable for what they did. 

I would like your help in removing the late payment from my credit report. 

From what I can see, they purposefully disabled my auto-pay, did not notify me that the payment didn't go through so that they can charge me late fees. In my 20 years of being a bank customer with many different banks including XXXX, XXXX, XXXX, etc. I have never encountered anything like this. However, I suspect BoA is doing this to a lot of customers to generate additional revenue in fees. They need to be investigated and stopped. This is how regular, financially responsible people like myself can go from financially stable to destitute and homeless. 

Thank you so much for taking the time to read this letter. I hope you can help me get this situation sorted out and hold Bank of America accountable. 

XXXX
Consumer complaint received 2021-01-21
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. (TX)

I have exercised my rights under the Fair Credit Reporting Act by initiating an investigation regarding my consumer credit report. I have submitted copies of my social security card, current utility bill, and government issued ID with each written dispute request, I have submitted a dispute for the following items a total of 12 different dates via us mail. 

XXXX XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX ACCOUNT # XXXX I have not received an investigation summary and or results for any of the disputes submitted. My consumer request have been ignored and obviously not properly investigated.
Consumer complaint received 2022-11-07
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. (NV)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX, Equifax, and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX, Equifax, and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( XXXX ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Date Opened : XXXX XXXX, XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$880.00}, and XXXX  XXXX Open Date XXXX XXXX, XXXX Balance : {$290.00}.
Consumer complaint received 2021-01-21
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. (FL)

I have been sending transunion letters information on the last few months regarding inconsistent information show on my report from metrics. Ive informed them countless times of my rights as a consumer. And that information per the fcra must report with a 100 % they in return indicated the account is updated but the report remains the same. In the event that information is not corrected this agency has a duty to delete my account. Please assist me with this matter. Below Ive included copies off certified receipts and letters
Consumer complaint received 2022-06-24
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: GOLDMAN SACHS BANK USA (CA)

This is the third CFPB complaint I have had to file against Marcus by Goldman Sachs. You keep closing the CFPB complaint but never resolve the issue. 

We have gone ahead and filed all information that you have requested. 
You have transferred our funds to XXXX XXXX. 
I have had to call multiple times. And finally was given the following account number to use to sign up for XXXX XXXX account XXXX. 

This account number is not valid. 

Marcus by Goldman Sachs is financially damaging the Estate by not allowing us access to our funds. 

We will keep opening complaints until this issue is resolved. Just because you say " it's resolved '' does not mean it actually is. Stop wasting the CFPB 's time and the Estate 's time. 

We have also requested that a date of death valuation be given to us, this has not been provided.
Consumer complaint received 2021-01-22
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$5400.00}, {$22000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5400.00} -This is not my account. 

-- PERSONAL LOAN 2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$22000.00} -This is not my account.
Consumer complaint received 2022-05-20
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. (MI)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XXXX and still nothing from them. That means Experian has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} Chapter XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX
Consumer complaint received 2021-01-22
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)

I AM EXERCISING MY RIGHT TO DISPUTE THE FOLLOWING ITEMS ON MY FILE IN ACCORDANCE TO THE FAIR CREDIT REPORTING ACT (FCRA). UPON REVIEW OF MY CREDIT FILE, I HAVE FOUND THAT THERE ARE SEVERAL INACCURATE AND UNVERIFIED ITEMS. THESE HAVE NEGATIVELY IMPACTED MY ABILITY TO RECEIVE CREDIT AND HAVE PROVIDED UNNECESSARY EMBARRASSMENT AND INCONVENIENCE.

AS I AM SURE YOU ARE AWARE IT IS MY RIGHT ACCORDING TO SECTION 609 OF THE FCRA, TO REQUEST A PROPER INVESTIGATION INTO THESE INACCURACIES. IN PARTICULAR, I AM REFERENCING SECTION 609(c) (B) (iii), WHICH STATES "THE RIGHT OF A CONSUMER TO DISPUTE INFORMATION IN THE FILE OF THE CONSUMER." AS SUCH, THE DISPUTE REPORT OF THE ITEMS LISTED IS ATTACHED.
Consumer complaint received 2021-01-21
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

on XX/XX/2021, I sent PORTFOLIO RECOVERY ASSOCIATES, INC A LETTER DISPUTING THE ALLEGED DEBT OF XXXX THAT I DON'T OWE.ASKING FOR THE VALIDITY OF THE DEBT AS WELL AS OTHER DOCUMENTS CONCERNING THE ACCOUNT, IN WHICH I HAVEN'T HEARD FROM.I WILL LEAVE A COPY BELOW OF THE LETTER FOR YOUR VIEWING.
Consumer complaint received 2023-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IA)

I sent out multiple letters to the credit reporting agency ( Experian ) regarding some inaccurate information on my credit report which consisted of unauthorized inquiries. This has been going on for over 3 months now. I am only XXXX years old who makes a decent amount of money for my age, has good relationships, and has a business to build. These negative inaccurate accounts are affecting my account tremendously, if there is a way you ( CFPB ) can help then please help. 

Attached below will be my ID and social confirming it is XXXX XXXX filing the complaint, proof that the reporting agency received my letter, and the letter I sent out.
Consumer complaint received 2020-07-09
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)

The accounts below do not belong to me, I do not know whom they belong to, I have never done business with either of these companies. I have tried many times to have them remove this from all three credit reporting companies, and it has not been done, as of yet. This is stopping me from providing for my children and buying a home. 


XXXX XXXX XXXX  Account Opened XX/XX/19 Balance {$12000.00} Account # XXXX XXXX Account Opened XX/XX/19 {$760.00} Account # XXXX
Consumer complaint received 2020-07-09
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. (GA)

I was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. These are many derogatory items that do not belong to me. Please remove these items from my account. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : Original Creditor, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX, Company Inquiries : 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 2023-04-14
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: OneMain Finance Corporation (NJ)

First- OneMain has CONTINUOUSLY added lender placed insurance to my secured personal loan that was secured with my car. They NEVER warn me that it will be added and then when I show them proof that I have insurance ( and have always had insurance ) they never refund the full amount they charged. Additionally, they charge interest of 30 % on the lender placed insurance for the month they have it on. Most recently, I showed them proof of insurance, and they didnt remove it. Then after 11 months, they did remove the charge. But then they added it back a few days later. They FINALLY removed it- but NEVER credited the interest I paid for over a year on {$500.00}. Also- the max interest allowed by law in NJ is 16 % on an auto loan- but they say mine is a secured personal loan and charge me 30 %. But they wont tell me the difference between a personal loan that is secured by an auto and a regular loan that is secured by an auto.