davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-10
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: JPMORGAN CHASE & CO. (VA)

Businesses : Chase Card Services and XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX and/or XXXX ) Issue : Unauthorized credit card charges XXXX XXXX XXXX  Automatic debit credit card without authorization Invoiced payments are first applied to the oldest amount ( dates were not invoiced ) due dates then invoiced again for the same dates Chase Card Services ( Chase ) Informed Chase that automatic credit was not authorized, both telephonic and written Closed Chase after unauthorized credit card charges by XXXX. 
Issued a new card ; and Chase processed XXXX charges on new credit card Held financially responsible by Chase XXXX Since XXXX, I was a patient of XXXX. In XXXX, XXXX purchased XXXX. XXXX applied two practices : Automatic debit credit card ; and payments applied to oldest debit first. 

On XX/XX/XXXX, I received an e-mail from XXXX. On XX/XX/XXXX, XXXX will charge {$50.00} every Monday on outstanding balance, see XXXX XXXX. I spoke with XXXX, XXXX XXXX, that stated that my account will not be charged. On XX/XX/XXXX and XXXX, without authorization, XXXX charged my Chase Credit Card Account Number ending in XXXX, collectively {$50.00}. Account was closed immediately, and a new credit card was issued, account ending in XXXX. 

On XX/XX/XXXX, XXXX charged account XXXX {$50.00}, and Chase applied it to XXXX, without my authorization. I requested to close the account again instead a Chase agent placed a payment block on XXXX. On XX/XX/XXXX and XXXX and XX/XX/XXXX, XXXX submitted {$50.00} payments for each date and Chase processed them. For each date a verbal/written stop payment was submitted to Chase. 

In XXXX, I permanently closed my Chase account. To aspirate the problem, Chase has issued temporary credit for each charge, but stated in " Update : Your account has been credited '' that the credit will remain on my account while the issue is being reviewed. I should not be held responsible for {$250.00} plus interest. 

XX/XX/XXXX : Re-dispute letter, Chase XX/XX/XXXX : Dispute letter, Chase XX/XX/XXXX : XXXX XXXX XXXX payment errors
Consumer complaint received 2023-01-10
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OK)

To whom it may concern : On XXXX  XX/XX/22 I fell victim to a very detailed and elaborate online banking scam using my Bank of America online account and the XXXX transfer app. I was contacted by an impostor claiming to be a Bank of America representative calling from the corporate office. Very believable since they called from the XXXX number used by Bank of America. He gave me my debit card number ( also reassured me this was real ) saying that they stopped a theft of {$540.00} at a XXXX in XXXX Texas while confirming my current address in XXXX XXXX XXXX  Stating they will be sending me a new debit card. Then saying there was a pending transaction in my savings account of {$3500.00} that they needed my assistance to stop. They gave me my current savings account balance, then said I needed to make a XXXX money transfer using my bank account app. The transfer was for {$3500.00} using XXXX being sent to myself. Heres where I missed the key to the scam. They then gave me a jumbled up version of my own name as the recipient to transfer the funds to. Once I did that the money was gone but I didnt notice until the following day. They explained that I should not use the bank app for 24 hours because it would impede there investigations into my account while they searched for the I.P. address of the offender. All while they are the offender!! I eventually called the bank fraud department only to find out its a familiar scam to the bank. To my horror then to find out the bank will not help or protect me. Since XXXX is a 3rd party app and has no protection of its own my money is gone for good! As I sit here typing and still shaking since this is money Im living off of since being on unemployment. Also, waiting to be put on the XXXX XXXX  list. Bank of America stated that they would look into this but I wouldnt be getting my money back. But theyd contact me with any information on the investigation but it could be up to 45 days before hearing from them. 
Bank of America refused to refund my money to my bank savings account. I filed a police report that was advised by Bank of America XXXX XXXX.
Consumer complaint received 2023-01-09
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: DriveTime (FL)

To Whom It May Concern, I am writing to dispute the following information in my file. I recently received a copy of my credit report, and I notice there is an unauthorized credit inquiry made by the company listed above. To my knowledge, I have not signed any documents authorizing the company in question to view my credit report. The listed inquiry was without authorization, and for no legitimate business purposes. As such, it is a very serious error in reporting. I never authorized such action, and this constitutes a violation of my rights under the Fair Credit Reporting Act {$600.00} as well as a violation of my rights to privacy. I am requesting your credit bureau to initiate an investigation and to determine responsible parties in this unauthorized credit inquiry. As part of your investigation, please send the names, business addresses, and phone numbers of those who made unauthorized credit inquiries so I may contact them directly. In addition, I respectfully request a copy of any documents authorizing credit inquiry, and signed on my behalf, so that I may verify its validity.

If you find that I was not the one who authorized this inquiry, I ask that it be removed immediately from my credit file. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. If you find that I am in error, then please send me proof of this.

Finally, I am requesting an updated copy of my credit report, which should be sent to the address listed above.

According to the provisions of 612 ( 15 USC 1681j ), there should be no charge for this report.
Consumer complaint received 2023-01-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-01-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (CA)

I used to have a Citibank Sears XXXX ending in XXXX which was lost in XXXX  and police report was filed. I haven't used the card since XXXX  and I don't owe anything to the citibank, still Citibank is harassing me and constantly sending me harassing letters from the collections agency XXXX XXXX XXXX XXXX 

Police report is attached and CFPB can see the police report. 

Recently XXXX XXXX XXXXXXXX XXXX did file a money XXXX  against me in the amount of {$6000.00}, when I didn't use the card then why should I pay for this XXXX. Citibank has ruined my credit and because of the judgment I can not apply for any loans or credit cards. 

Citibank is using unfair and fraud means to collect money from people, I will advice everyone not to use Citibank XXXX and do not do any business with this company. 
This is a total unethical company and shouldn't be doing any kind of business in California or any other state of XXXX.
Consumer complaint received 2023-01-09
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (FL)

In XX/XX/2022 I applied for a forbearance loan modification with my mortgage company XXXX XXXX XXXX  I asked if they could put the money ( {$25000.00} ) I was behind on to the back of the loan. Instead, they did something that was very odd, they took {$120000.00} out of the {$450000.00} mortgage amount and separated it into a 2nd lien. I wanted to put the entire mortgage amount together because I wanted to use my equity, but to do this I would have to refinance for a higher interest rate and that is just too much. I have asked XXXX numerous times if they could put the loan back together, and they said no. 
I'm asking for your help to consolidate my loan back together at the original interest rate. Thank you.
Consumer complaint received 2023-01-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IL)

Hello my name is XXXX XXXX. I am a private personal consumer submitting a complaint concerning me being a victim of identity theft. My personal non public information was shared by XXXX, XXXX, and Equifax, without my full disclosure or written consent. My personal right to privacy has been abused and violated under the Gramm Leach Bliley act of 1999. These violations have compromise my non public personal information and resulted in my identity theft. I demand all accounts listed below be removed in next XXXX business days as stated under lawXXXX 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 2023-01-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc. (NV)

Due to XXXX XXXX XXXX year I fell behind on XXXX XXXX XXXXDovenmuehle # XXXX. On XX/XX/22 I received a statement showing a balance Due of XXXX  on XX/XX/22 {XXXX was sent to my mortgage company. They were instructed to deduct the balance that was due and add the remaining to the principal balance. which was done however in the balance that was due XXXX was paid in interest I have been informed no late fees and interest fees would be charged if you had to defer your loan due to XXXX. The XXXX issue I have is, I have been paying my own insurance and Dovenmuehle has been charging me for insurance too. So I'm double billed for insurance. and mortgage insurance should have been removed already. When I requested for them to credit back all the fees they are charging me, I'm put on a long hold without a resolution.
Consumer complaint received 2023-01-11
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: The CBE Group, Inc. (CA)

On XX/XX/XXXX, CBE Group XXXX contacted me threatening that they would turn me over to the IRS if I didn't pay a debt owed to IRS. I do not owe any money to the IRS. I am currently am an XXXX XXXX XXXX XXXX XXXX so I know this a scam that could hurt people that are unaware that the IRS does not contact people by phone regarding outstanding tax debt.
Consumer complaint received 2023-01-11
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: FC HoldCo LLC (TX)

On or about XX/XX/2023 my car XXXX XXXX  was taken by a company called XXXX XXXX to a tow yard located in the city of XXXX XXXX, Texas I was advised that Flagship credit had requested the car be collected. I do not have an account with Flagship credit I do not have a debt with Flagship credit. I have reached out to Flagship credit I spoke with XXXX, XXXX and XXXX whom are all collection managers XXXX being the head of the department XXXX which I left a voice mail I have provided the XXXX and written statement on XX/XX/XXXX, XXXX, XXXX and again on the XXXX advising I am the owner of the car and have no debt with Flagship. Flagship has continued to force this account on me. Flagship is holding my property and will not closed this account.
Consumer complaint received 2023-01-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX, I presume that no proof of there alleged debt, nor therefore any such debt, in fact therefore exists.
Consumer complaint received 2020-05-28
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. (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 suspicious items are not mine. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : 01 XXXX, 11 XXXX, 11 XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX. XXXX XXXX, N/A, XXXX XXXX XXXX XXXX, XXXX  XXXX, Company Inquiries XXXX CREDIT/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX NA 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 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 F
Consumer complaint received 2020-05-27
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Add-on products and services
Company: CITIBANK, N.A. (VA)

Unknown to me, I have been charged a debt protection percentage on all purchases through my Best Buy Credit card. Originally I signed up for the card in 2008. Later I was told i would receive a new card that could be used any where visa was used. I did not sign up for this. i have continued over the years to make large purchases and set up autobilling only with Best Buy to pay off purchases before the promotional no interest ran out. What I did not see, because it is at the very bottom of the statement, which I have not been sent for years ( also which i did not request ) is that they had signed me up for percentage debt protection program. I absolutely did not sign up for this and they said i have been enrolled since 2008. I remember when I enrolled it was through a keypad in store that the employee filled in. I believe they added this service without my knowledge costing me hundreds of dollars over the years without my knowledge. They have now told me my acccount is in review for refund and it will take 30 days for them to respond to my request.
Consumer complaint received 2023-01-10
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with signing the paperwork
Company: United PanAm Financial Corp. (TX)

Upon having my credit ran numerous times after only iterating to have it ran once XXXX XXXX at Texas XXXX XXXX got an approval from UNITED AUTO CREDIT for the Selling Price {$66000.00} 90-Day Limited Warranty Included 1-Year roadside assistance Included Vehicle Service Protection Edit XXXX mo. / XXXX mi. / XXXX ded. 
{$2100.00} Guaranteed Asset Protection Edit XXXX mo. 
{$890.00} Everyday Protection Edit XXXX mo. 
{$1900.00} Taxes and fees {$4500.00} Shipping Fee - Est. Subtotal {$76000.00} Due Today Refundable deposit to hold this vehicle {$240.00} FINANCING INFORMATION Down Payment {$50000.00} XXXXXXXX XXXX United Auto Credit Corporation APR 15.65 % Finance Term 60 months Number of payments XXXX Amount Financed {$26000.00} Finance charge {$11000.00} Monthly payment {$630.00} Registration AddressEdit Edric-DashayGray XXXX XXXX XXXX XXXX XXXX XXXX Delivery AddressEdit XXXX XXXX XXXXXXXX XXXX XXXX, XXXX after such interaction i never receved full disclosure or notice of all info included in contract nor did i get a chance to review truth in lending disclosures after further working and sending in documents my deal was reversed due to unforeseen circumstances which are not accurate, i was also never given the notice to optional credit life insurance included in the finance charge, under TILA i was supposed to receive full disclosure of all information involved in this closed end credit transaction within parameters of OCC and TILA creditor/lender/dealership is at fault for willingly and knowingly withholding or not disclosing all information involved in consumer credit transactions " Federal law authorizes the OCC to order supervised institutions to make monetary and other adjustments to the accounts of consumers where an annual percentage rate ( APR ) or finance charge was inaccurately disclosed under certain circumstances. ''
Consumer complaint received 2023-01-10
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NC)

I have made numerous attempts to resolve and or dispute these issues directly with the credit bureaus and the lenders reporting inaccurate and fraudulent accounts and each and every time I receive generic/automated responses stating the information and or accounts has been verified when asked to provide proof of this verification the lenders and respective credit bureaus are unable to provide me with any documentation as it relates to verification. I was the victim of identity theft, I have informed them of this and filed numerous FTC identity theft reports and provided copies to the bureaus and offered to provide copies to the lenders, the lenders refuse to accept them, and the credit bureaus tell me this is not sufficient which is why I have filed multiple as well as consistently seeing new items I do not recognize either in the form of inquiries or collection accounts. I have attempted to resolve this with the credit bureaus as well as directly with the creditors. This is my second time filing a complaint with the CFPB in regard to these issues. All of the entities mentioned have displayed willful and negligent noncompliance in removing these items
Consumer complaint received 2023-01-10
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

Experian has claimed to have " verified '' the items I have previously disputed to be accurate and complete. 

However, when I pulled a new copy of my credit report, I noticed that the accounts and inquiries that I disputed are still there even though they are inaccurate and incomplete according to XXXX XXXX XXXX XXXX standards. I have attached letters with two forms of ID showing how exactly these accounts and inquiries i'm disputing does not meet XXXX XXXX standards. 

I can tell that a proper investigation has not been conducted by Experian. As a result of this, it has caused me to experience credit and loan denials caused by the willful and negligent actions of this company. 

From my understanding, by not conducting a proper investigation, verifying inaccurate and incomplete information to be true, and causing me to suffer credit denials and financial harm due to willful negligence, this meets the requirements for a FCRA claim. I FULLY INTEND to either pursue litigation in civil court or file an arbitration claim with the XXXX XXXX XXXX if these errors are not corrected.
Consumer complaint received 2023-01-10
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: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

XXXX XXXXXXXX XXXX - XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX - I received three ( 3 ) inquiries from XXXXXXXX XXXX for credit products which aren't reflected on my personal credit report. I've never applied to any personal credit product from XXXX to obtain these three inquires. 

I received an email from XXXX to go into a branch to finalize paperwork for a credit card on XX/XX/XXXX ( email attached ). When I went to the XXXXXXXX XXXX  on XX/XX/XXXX ( I met with XXXX XXXX XXXX XXXX XXXX who finalized an application for submittal. During the meeting with XXXX I was never advised my credit report would be inquired upon multiple times for one business credit card product. XXXX advised I was only in branch to complete a Beneficial Owner Form data form, Controlling Person data form and a Business Resolution data form. While in office XXXX apologized when I showed her another credit card inquiry which occurred from XXXX and stated she would follow up own this matter immediately. 

On XX/XX/XXXX I contacted the email address XXXX asking about the multiple credit inquiries and their response was XXXX would follow up on this request directly. In which XXXX sent the email stating all inquiries would be removed in 30 days on XX/XX/XXXX. 

On XX/XX/XXXX XXXX XXXX and I communicated via email, she advised all inquires would be removed ( email attached ) below. Since then nothing has been removed off my credit report from XXXX. 

On XX/XX/XXXX I received a credit inquiry from XXXX XXXX, this inquiry is reported on my personal credit and should not be reflected on my personal account. There has been no personal credit account associated with this report. 

Factual Data - XX/XX/XXXX - this is a credit inquiry for an account that is not reflected on my personal credit report. I never applied for credit with this lender. 


XXXX XXXX XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX - this is a credit inquiry for an account that is not reflected on my personal credit report. I never applied for credit with this lender. 

XXXX XXXX XX/XX/XXXX- this is a credit inquiry for an account that is not reflected on my personal credit report. I never applied for credit with this lender. 

Factual Data - XX/XX/XXXX - this is a credit inquiry for an account that is not reflected on my personal credit report. I never applied for credit with this lender. 

XXXXXXXX XXXX XXXXXXXX - XX/XX/XXXX - this is a credit inquiry for an account that is not reflected on my personal credit report. I never applied for credit with this lender. 

XXXX XXXX XXXX XXXX - XX/XX/XXXX - I never applied for this credit account. Received a letter from XXXX XXXX XXXX stating corrective action would be taken to remove this inquiry from my credit report. ( Letter attached )