davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-12
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: JPMORGAN CHASE & CO. (NY)

On XX/XX/1989 I purchased two CD 's from XXXX  XXXX and put them in a safe deposit box and forgot about them. When I closed out the box and found them recently I discovered that XXXX XXXX XXXX doesn't exist any more. I called the FDIC and they told me to contact the NYS Comptroller office of unclaimed funds and ask them to see if they have the accounts ( Reference XXXX ). On XXXX XXXX they sent me a letter that stated that their research has found no unclaimed money in my name. 
I contacted the FDIC again and they informed me that XXXX XXXXXXXX merged with XXXX XXXX  and is now known as JP Morgan Chase Bank. I therefore want to file a claim against JP Morgan Chase Bank so that I can cash my CDs and reclaim my money. 
Anything you can do to assist me would be most appreciated. CDs  correspondence and any other information you may need is available upon request.
Consumer complaint received 2020-05-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2019 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.
Consumer complaint received 2020-05-07
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: EQUIFAX, INC. (TX)

This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible. COLLECTIONS XXXX {$92.00} XXXX XXXX XXXX XXXX {$4500.00}
Consumer complaint received 2022-07-14
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. (FL)

I sent complaints # XXXX, XXXX, and XXXX on XX/XX/XXXX however it was already closed when I reviewed it. I am resubmitting my complaint to you today to inform you that there were erroneous items found on my credit report : XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX TER XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX TER XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX : - ; XXXX XXXX XXXXXXXX XXXX Balance : {$480.00} ; XXXX XXXX XXXX Balance XXXX {$190.00} ; XXXX XXXX XXXX Balance : {$150.00} XXXX XXXX  XXXX Balance : {$230.00} ; XXXX XXXX XXXXXXXX XXXX XXXX : {$48.00} ; XXXX XXXX  XXXX ( Original Creditor : XXXX ) XXXX Balance : {$690.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$730.00} ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt.
Consumer complaint received 2020-05-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (NY)

I have requested a reduction of the interest rate charged on my Citi Costco Credit card and have been turned down because I have been late on several payments. I acknowledge that I have been late but I have made all of my payments including late fees and am entirely current. 
I am requesting help in getting my interest rate lowered which will make paying the remaining balance much easier for me. With the current interest rate climate, it is excessive to be charging XXXX XXXX. 

What has made this complaint necessary is the difficulty in talking to anyone at Citibank. 
Wait times run into several hours on hold due to the Covid-19 problems. 

Thank you in advance for anything you can do to assist me here
Consumer complaint received 2020-05-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name.
Consumer complaint received 2020-05-07
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. (OH)

I had an issue with a company ( XXXX  XXXX/XXXX  ) not taking payments and then charging late fees. I called and asked for an online log in and they said they could not do that then I asked to make a payment over the phone and they said their system was down. I called back the next week or so and the company said that the promotional financing expiration date expired and that there was an added aprox~ {$200.00} to the account. I explained the situation then they said they would remove the interest. They then took my payment and told me the account would be at a XXXX  balance. A few days later I go to check my credit and notice that there is still {$210.00} unpaid ( the amount that XXXX  XXXX/XXXX  had agreed to remove ). I went to dispute the charge and it came back that it was a valid charge. I called transunion to talk about this and I got a hold of someone and they asked for my ssn. They had an accent and was curious where they where located as I just gave them my ssn. So I asked and was told the united states. I asked which state and they started to get defensive and told me the united states and that they where not allowed to tell me which state. I then asked if I could speak with a manager I got transferred to a line that said " welcome to transunions disputes center we are currently closed ''. Are my calls to transunion being routed to another country where there are no laws for prosecuting someone properly for identity theft. Another concern is that XXXX  XXXX/XXXX  is making it more difficult than necessary for me to make payments so that they can collect late fees to increase profit. Thank you for any help you can offer!
Consumer complaint received 2020-07-16
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc. (WA)

XXXX purchases using XXXX Comenity Bank Credit card XX/XX/2020 {$210.00} XX/XX/2020 {$120.00} XX/XX/2020 {$30.00} My bank account debited XX/XX/2020 {$210.00} Current bill {$150.00} will be debited from my bank account XX/XX/2020 Total of {$370.00} billed Due credit of {$310.00} Items were returned by mail using XXXX printed labels and instructions on XX/XX/2020 and XX/XX/2020 Two items were kept value of {$61.00} Phone calls and online chats to both XXXX and Comenity Credit card have not resolved this issue. I'm told to wait and apply for a refund when the credit appears on my card. There is no indication that these items have been credited to my account.
Consumer complaint received 2019-05-20
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (UT)

I made an online money transfer from my bank, XXXX to my cousins bank, Bank of America onXX/XX/XXXX in the amount of XXXX XXXX The money transfer confirmation # XXXX from XXXX. My cousin, XXXX XXXX XXXX, never received the money in his account due to he had reverse to numbers in the last four of his account #. I have disputed this twice with XXXX and in XXXX repsone, Bank of America has refused to return the funds. My cousin, XXXX XXXX has called mulitple times to his bank, Bank of America with no resolution. I do not understand how a bank can make an error like this. do they not verify the account holders name to the account #? 

My cousin was given a reference # XXXX by Bank of America and said this should be no problem.
Consumer complaint received 2021-03-01
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Unifin Inc. (TX)

A family/relative received a letter from this collection agency ( UNIFIN INC ) to their address XXXX XXXX XXXX XXXX TX XXXX. Due to my relatives name is the same as mine XXXX XXXX. They opened the letter to find out about a debt back in XX/XX/XXXX. My relative not knowing of any debt with this company then thought of reaching out to me to inquiry about this. As I tried to figure out also, I was able to access more account information via their website and by entering my SSN I found out this was my debt. When I tried to review I see this company has my current address XXXX XXXX XXXX XXXX TX XXXX. I am not sure why they have not contacted me about this. This is totally against privacy of my debt. This address I have not lived in since back in XXXX. I want this address ( XXXX XXXX XXXX XXXX TX XXXX ) removed from their system and a complain to them on why they sent a unauthorized letter to someone else other than me. 
If they need to reach out to me about this debt. Then they need to use my current address and per their system that is the only one available to reach me and discuss about this.
Consumer complaint received 2020-05-07
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: CarMax, Inc. (WA)

I went to look at cars XX/XX/2019, I sat down spoke with the salesman and discussed my option. They appraised my car and ended up pulling credit. Before I allowed them to pull my credit I asked the salesman how many lenders would be obtaining a copy of my credit report he said 2 or 3 it ended up being 6 or 7 the three credit bureaus. He also stated that if I didnt purchase a car the inquires would be removed  after 45 days. I also reached out to the lenders directly to get this resolved and they told me to reach out to carmax directly and when I did they refused to remove it
Consumer complaint received 2021-07-03
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. (NY)

I explained to the Equifax customer service person that I have been a victim of identity theft and my personal information has been used to attempt to get things in my name. I have not applied for anything & don't know the person who tried to fraud my name.
Consumer complaint received 2020-05-07
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: AXOS FINANCIAL, INC. (MN)

I attempted to open an N26 account ( Axos Bank, Member FDIC ) online on XX/XX/2020. I received an error message stating that additional information was needed to open my account. 
I became concerned because another online bank had declined my application because my SSN was already associated with an open account. 

I have contacted N26 three times, XX/XX/2020, XX/XX/2020 and XX/XX/2020 in an attempt to find out if there is a fraudulent account opened in my name. Each call, I waited on hold, explained my situation to a representative and was then hung up on. I believe this " bank '' is allowing fraudulent transactions. 

I am requesting from N26/Axos Bank : - A written statement stating why my application was denied - Written acknowledgement If someone has opened an account using my SSN - Written acknowledgement that if there is an open account using my information that has been closed and that I am not responsible for any charges associated with the fraudulent account. 
*This is very important as I am in the process of qualifying for a mortgage I thank you, XXXX XXXX XXXX
Consumer complaint received 2020-05-07
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. (AR)

Every time I get a quote for insurance either I was ineligible or it was too high. I would always ask what the reason was for this and I always get told that it could be my credit. I decided to pull my credit and I am extremely shocked on the outcome of the repor. The things I have listed on this application are not mine. Please remove these items from my report.
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

XX/XX/year> Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Experian regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name XXXX XXXX XXXX Account Number : XXXX Dates of Late Payments : XX/XX/year> and XX/XX/year> Nature of Complaint : I submitted a dispute to Experian disputing a late payment reported by XXXX XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment Was Submitted On Time : My payments were submitted before the due date, as indicated by my bank statements and payment confirmations, which show that the payment was processed well in advance of the due date. There is no valid reason for this payment to be recorded as late. 
System Error at XXXX XXXX : XXXX XXXX experienced a system error during the payment processing period, which delayed the application of my payment. This error was acknowledged by their customer service team, and I have attached email correspondence from XXXX XXXX confirming this issue. 
Inconsistent Reporting Across Credit Bureaus : The late payment was reported by all three bureaus, but the dates and details vary across the reports, creating inconsistencies. This suggests that an error occurred in transmitting the payment information, as my payment history should be uniform and accurate across all credit bureaus. I have attached copies of the discrepancies in my credit reports for reference. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Experian has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report.

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being.

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2020-01-26
Product: Debt collection — Other debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: The CMI Group, Inc. (SC)

Credit management claims I have a outstanding debt of XXXX for a cable bill with XXXX. I currently have a account with them an I'm current on my bill with them. Please help me remove this off my payment history its tarnishing my credit report.
Consumer complaint received 2022-09-16
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. (CO)

Our company XXXX XXXX XXXX XXXX had a person posing as XXXX XXXX  get into our computers on XXXX XXXX,XX/XX/XXXX2022. They locked us out and then I started calling Chase. I called 4 times on XXXX XXXX, 2022 worried about our money. They told me to change the password which I did 2 times that night. The lady I spoke to that night said not to worry and I said I didn't want to wake up to money being taken from our account. I went to bed. At XXXX XXXX   on XXXX XXXX,2022 they wired {$39000.00}. from our checking account. They sent me a text a XXXX XXXX. It said call at XXXX  when they open if this isn't correct. I called at XXXX  and filed a complaint. They dropped the call. I called back at XXXX and was told to get to a branch when the open. I did at XXXX. We closed the account and opened a new one. The account said pending on the wire transfer from XXXX XXXX on the XXXX through XX/XX/XXXX. I feel like Chase could have helped but didn't. Also, the FBI and XXXX wanted help but Chase wouldn't let them. I asked for information on where and who and what account it went to. They told me I sent it and I should call my friend and ask for it back I don't know the person that got it. 
Please help me. Thank you for any help.
Consumer complaint received 2020-06-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (NM)

I have two disputes that involves the purchase of a XXXX XX/XX/XXXXticket on XX/XX/XXXX from XXXX in the amount of {$670.00}, The tournament was cancelled on XX/XX/XXXX. The second dispute was the purchase of event insurance for the XXXX XXXX Ticket at the same exact time on XXXX website in the amount of {$50.00}. The event insurance was purchased on their site through XXXX. Ive filed disputes on XX/XX/XXXX for both charges because I contacted both companies numerous times. XXXX kept putting me on hold and even cut me off one time, but they finally agreed to a refund and sent me an email stating that. XXXX automatically refunded me for 4 other tickets to the XXXX XXXX but not for the Tickets for the XX/XX/XXXX in the amount of {$670.00}. After going back and forth with XXXX and them promising me a refund both on the phone and via email, I still did not receive a refund from either XXXX or XXXX so I filed a dispute with Citicard regarding the charges on my Citi MasterCard on approximately XX/XX/XXXX. Although I provided Citi with ample proof of the XXXX XXXX being cancelled and the emails sent by both XXXX and XXXX assuring me of a refund, Citi later closed the dispute in favor of the merchant. Nevertheless after persevering to getting the matter resolved with XXXX and XXXX, they issued the money back to my account, Thinking that the ordeal was solved, I received another notice regarding the XXXX dispute for {$670.00} dated XX/XX/XXXX again stating that the dispute was resolved in the merchants favor, although a credit had already been issued by the merchant, and that the dispute for XXXX was still open and being resolved, although I received a credit from XXXX as well. It seems like my problems are not with the merchant but with Citi who refuses to honor the credits already submitted by XXXX and XXXX so they can charge me the money and get the interest and finance charges. This is the second time that Citi has claimed to do everything that could in my favor to resolve the issue only to side with the merchant and not the customer who is completely justified in having the money credited back to my account due to cancellation of these services, thereby not receiving the services, having rock solid proof in writing from the companies that I would be receiving a refund as well as apologizing for the inconvenience. This is total disregard for the customer, and, quite frankly, a case of the lowest depths of greed and misconduct on Citicards part.
Consumer complaint received 2022-07-18
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)

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The XXXX, XXXX and TransUnion Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX, XXXX and TransUnion have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-09-17
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. (PA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX  XXXX Bankruptcy XXXX XXXX  XXXX Bankruptcy XXXX