davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-07-16
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. (CA)

closed acct when i have fico that is excellent due to non-use and I never rec 'd notification and not one person will assist me - been given run around since then and after a complaint I rec 'd a call from someone at chase. They left a voicemail saying they were investigating my case but would be on vacation from X to X. ( I kept the vm ) - why call me then and then be unhelpful??? I called her back despite this on XX/XX/XXXX and left a message. Never heard from this rep again but another that called while I was at work and left a message -- I called back left another message and never heard a peep since. I guess having excellent credit does not matter to banks. I honestly just don't get what you have to do anymore. I pay all my bills, keep my credit clean and am treated like a serf.
Consumer complaint received 2019-07-16
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: Experian Information Solutions Inc. (CA)

XXXX XXXX is reporting incorrectly to XXXX ; Experian and XXXX a collection in the amount of {$4700.00} on the XXXX XXXX XXXX account number XXXX. ( Please see page 6 of the attached credit report. ) This account does not belong to me. I do not have a XXXX XXXX card. The date of last activity on this account was XXXX, 2014. This account is well over the statute of limitations ; does not belong to me ; and reporting this is a violation of the Fair Credit Reporting Act. This incorrect reporting is harming my credit score and this line item needs to be removed from my credit report.
Consumer complaint received 2020-05-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (CA)

I made a credit card payment on XX/XX/20 by the due date of XX/XX/20. The automated system said it was successful and funds would be taken from my account on XX/XX/20. I received my new statement with a late fee of {$27.00}. I contacted both the credit card company and the bank but they would not reverse the charge.
Consumer complaint received 2019-07-16
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. (CA)

XXXX XXXX  is reporting incorrectly to XXXX  ; XXXX and Transunion a collection in the amount of {$4700.00} on the XXXX  XXXX XXXX account number XXXX. ( Please see page 6 of the attached credit report. ) This account does not belong to me. I do not have a XXXX  XXXX  card. The date of last activity on this account was XXXX, 2014. This account is well over the statute of limitations ; does not belong to me ; and reporting this is a violation of the Fair Credit Reporting Act. This incorrect reporting is harming my credit score and this line item needs to be removed from my credit report.
Consumer complaint received 2019-07-02
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. (TX)

Transunion is reporting incorrectly a charge-off on the XXXX XXXX  partial account number XXXX in the amount of {$130.00}. ( Please see page 2 of the attached credit report. ) This is a secured credit card that had a deposit and therefore there is no outstanding balance due. This incorrect reporting is harming my credit score. Please delete this line item from my credit report.
Consumer complaint received 2019-07-02
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: American Student Assistance (MS)

Account was paid in full on XX/XX/2019 and still showing on my credit report with an amount. The accounts are showing up twice on my credit report. Also, my income taxes was taken twice by this company. Second time I call and had to wait for them to send my check back to me. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX
Consumer complaint received 2024-12-09
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: UNIVERSAL ACCEPTANCE CORPORATION (NE) (ID)

My husband and I unfortunately put down {$900.00} on a truck that was made out to be in great condition, however after having it for a few weeks we noticed there was a lot wrong with the truck. The buy here pay here carhop is a scam. My husband and I paid over {$400.00} every two weeks! We ended up in a collision and the front axle broke in half. That just shows that the truck wasnt in great condition to begin with. After that happened the truck wasnt marked as a total loss and this company put the loan on my credit and called it debt. When I sent a debt validation letter with all original documentation they came back with a letter stating frivolous dispute and still will not send me documentation that Ive requested. This company continues to mark delinquent on my credit but wont give me original documentation. Theres a reason why they got shut down at the exact location I bought this lemon.
Consumer complaint received 2019-10-04
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: JPMORGAN CHASE & CO. (CA)

I called JP Morgan chase bank to close my sapphire bank and account including my other accounts yesterday XX/XX/2019 and XX/XX/2919,  reasons for this because there customer service is terrible and disrespectful, not being understanding with me considering my age and health issues. because due to my health condition I want out of this terrible non understanding bank.
Consumer complaint received 2019-07-01
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (TX)

I have contacted a person online through XXXX  where his initial phone number was XXXX XXXX XXXX where he said he would sell XXXX XXXX XXXX XXXX for 9 people for XXXX XXXX He asked to me chat on this number XXXX XXXX XXXX as the previous one was his work phone number. i Asked for 9 tickets XXXX adults and XXXX kids. He asked me to send in two different amounts XXXX $ each. He said his name as XXXX XXXX and Zelle transfer account was XXXX XXXX and he works in XXXX XXXX and he has some many complimentary tickets that he can sell. I transferred XXXX $ from my XXXX XXXXXXXX XXXX account and another XXXX $ from my XXXX XXXX account. After i transferred my money, the customer did reject my call and did not respond for my calls. I used my wife 's number and asked for tickets and he still responded and started to fraud my wife as well.. I lost my XXXX $ dollars and reported claims in both XXXX XXXX and XXXX  XXXX XXXX and none of them were able to help me. I just need some help from you to get my money back.
Consumer complaint received 2024-12-03
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: EASTERN BANKSHARES INC (MA)

I am writing to formally lodge a complaint against Eastern Bank regarding their mishandling of a fraud claim on my account. Despite being a loyal customer of Eastern Bank for over two decades, I have experienced a series of unacceptable actions and responses that have caused financial strain, significant inconvenience, and a loss of trust in the institution. 

Summary of Events : 1. Fraudulent Transaction : On XX/XX/XXXX, I filed a fraud claim after discovering an overcharge on my business account ( which I was in the process of closing ). The charge in the amount of {$200.00} was clearly fraudulent. 
2. Unhelpful and Threatening Communication : Instead of receiving assistance, I was sent several alarming and threatening letters from the bank, of which I retain two copies. Despite contacting the bank after each letter to seek clarification, my concerns were not resolved. 
XXXX. Fraud Claim Denied and Unauthorized Deduction : On XX/XX/XXXX, I received a notice that my fraud claim had been closed without action. Furthermore, the disputed amount was deducted from my personal account without my authorization. 
4. Lack of Accountability : To date, the fraudulent charge has not been refunded, and I have not received any explanation or acknowledgment from the bank regarding this matter. 

Conclusion : This situation has caused me significant distress and financial loss. I urge the CFPB to investigate this matter thoroughly and ensure that [ Bank Name ] is held accountable for their actions and inaction.
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NJ)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2019-07-01
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. (VA)

XXXX, XXXX, And Transunion are not doing a investigation on the Dept of education student loan accounts on my credit report. There is inaccurate information reporting and its making it impossible for me to do what i need to do credit wise with negative reporting. I have reached out to all bureaus and disputed it and nothing was done. These accounts are coming back verified from the credit bureaus.Transunion last reported a balance of XXXX on XXXX XXXX opened XXXX. With a monthly payment of XXXX dollars. Payment status in collections/Charge off! How is this possible? XXXX is reporting a balance of XXXX on XXXX XXXX opened XXXX XXXX. Account status closed. XXXX last reported a balance of XXXX on XXXX XXXX opened XX/XX/2012. Payment status seriously past due date/ account closed.
Consumer complaint received 2019-07-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Trident Asset Management, L.L.C. (PA)

I checked my credit report and saw an erroneous debt with this company. I do not believe I owe this debt so I disputed it and the results were that it was verified as accurate. They are allegedly reporting 100 % accurate data. Since they have verified inaccurate and erroneous information, they have violated my consumer rights under 15 USC 1681 FCRA and 1692 FDCPA.
Consumer complaint received 2023-02-07
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

ACCORDING TO 15 USC 1666B AND UNDER THE FCRA THEY CAN'T REPORT LATE PAYMENTS, SO WHY IS THIS STILL REPORTING? THIS IS VERY FRUSTATING
Consumer complaint received 2019-07-02
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. (GA)

XXXX XXXX XXXX # XXXX is reporting a debt I do not owe. I have no idea where this balance has come from, I left on good terms with them and even got my full deposit back. I've received no notifications for this debt and have no idea why this is here. This debt is not mine and I do not owe it.
Consumer complaint received 2024-12-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A. (NV)

Called at XXXX waited almost 30 minutes to speak with a XXXX She told me it would take over 10 ' minutes to connect to a team to get the information about my promotion on checking and when it would credit. After the account was fully verified she said she couldn't see who I spoke with last. 

I asked for her supervisor and that person got on the phone I believe he said his name was XXXX. Right after he gave me his name he pushed the mute button basically never said anything else and then hung up the phone 5-6 minutes later. 

After waiting 30 minutes and being hung up 3 times after the Citibank complaint department lady XXXX calls me back and transfers me to the wrong department for credit card promotions.. 
I honestly can't understand how they could mess things up this bad
Consumer complaint received 2019-07-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC. (PA)

Navient student loan was supposed to remove missed payment in good faith within new agreement. My wife has chronic illness from XXXX XXXX. Payment fell behind when she was hospitalized. I have now had a new agreement and all payment history was cleared from my account y just not my credit record or score. 

Thank you
Consumer complaint received 2019-07-02
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: FIRST ADVANTAGE CORPORATION (AZ)

I did have fraud in the past i did file i was also incarcerated as well when the person was using my identity ..the person open up account with XXXX XXXX XXXX XXXX XXXX XXXX other companies as well i only lived in two address which is XXXX XXXX XXXX XXXX XXXX XXXX and currently living at XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-11-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My account with TRANSUNION was never late! I have had exceptional payment history all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments 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.

TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Update the late payments from my consumer reports
Consumer complaint received 2024-10-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (UT)

In XX/XX/XXXX, I discovered multiple unauthorized inquiries and inaccurate collection accounts on my credit report. These entries were made without my knowledge or consent, and they violate my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b ( c ) and 15 U.S.C. 1681s-2. # # # Unauthorized Inquiries : Under 15 U.S.C. 1681b ( c ), a consumer reporting agency may only furnish a consumer report with the explicit authorization of the consumer. The follorwing inquiries were made without my authorization : Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Experian XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX  Experian These inquiries were unauthorized and are negatively affecting my credit score. I have contacted the companies responsible, and they have no record of any authorization from me. This violates the FCRA, and I am requesting immediate removal of these inquiries from my credit report. Collection Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Despite providing all the necessary documentation and complying with the required procedures, the credit reporting agencies have failed to remove the fraudulent items within the legal time frame. These errors have negatively impacted my credit score and have created undue hardship for me. I am seeking your assistance to ensure that these fraudulent items are permanently removed from my credit report and that the credit reporting agencies comply with the obligations set forth by the Fair Credit Reporting Act ( FCRA ). This description provides the CFPB with the details they need to address your dispute. Make sure to adjust the placeholder fields like dates and amounts to match your specific situation. Let me know if you need further modifications!
Consumer complaint received 2016-02-20
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: Dynamic Recovery Solutions, LLC (KS)

The XXXX bill is out of statue of limitations. They keep selling my debt after I sent them a cease and desist letter. I sent certified mail on XXXX XXXX, 2014. It was signed by them I have all proof told her it out of statute of limitations she wanted to argue with me. Refused to tell me last time I paid on that bill keeps selling it off. It 's way over 10 years old she still wanted to argue with me. I told her you never mailed me a letter still wanted to argue told them over the phone to cease all communication with me. Told me the wrong address for the company.
Consumer complaint received 2024-12-03
Product: Credit 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: CITIBANK, N.A. (NY)

I did not receive statements via mail from the credit card company but started getting them by mail in XXXX XXXX XXXX I received a statement with a balance of XXXX and immediately called them up to report fraudulent activities. The call center representatives have XXXX XXXX XXXX and I think every conversation with them was difficult, and I have been on the phone with them at least XXXX times. The next month I received a lesser statement but there was still charges on there that I was not responsible for. They also have the names of two individuals that apparently made the charges to an online vendor called Wayfair. They continued to call me and email me about making payments on these charges. I at XXXX point asked for the names they had where these items were sent. As I said XXXX XXXX XXXX but I wrote down XXXX XXXX and XXXX XXXX. The wayfair charges were eventually taken off and they sent me a statement {$800.00} plus dollars I'm sorry but I don't have the exact amount. So once again on the phone I asked for a description of the charges and as he read them off to me XXXX by XXXX I was able to tell him which were mine and which were fraudulent because what they had sent me did not list the charges on the statement. At this time on XX/XX/year> it was determined that I owed {$48.00}. I asked them to close the account pending the fraud investigation and I would go to my bank web sight and schedule the payment which I did. Unfortunately they continued to call me and email me about making payments on the account. Finally I received a call and spoke to someone from their executive branch that spoke fluent XXXX however he was unaware of the previous conversations I had over the phone about the charges. I have received another statement with no charge description of the fraudulent activity.
Consumer complaint received 2024-12-08
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: MoneyLion Inc. (NV)

I took a payday advance from XXXX XXXX  on my debit card for XXXX amounts of {$100.00} each and then, one for {$20.00}, {$30.00}. and {$40.00} respectively. I looked at my balance today and I see that they have charged an extra {$100.00} and {$40.00} on to my account. They hid it on days that I took out loans to confuse me, but I know why I took the advance amounts I did so I know the amounts I took. 

Last month I noticed that the amount of my cash advance looked wrong and they simiply said that I was mistaken and that I did take the amounts out. I don't believe that I did take the extra money out when I did.
Consumer complaint received 2024-12-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIBANK, N.A. (NC)

After being recently released from the XXXX XXXX XXXX XXXX, having been held in their custody from XX/XX/XXXX to XX/XX/XXXX, and reviewing copies of my credit reports I noticed an unauthorized inquiry made by this company.