davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-23
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: JPMORGAN CHASE & CO. (FL)

First and foremost I am the consumer. A natural person, allegedly obligated to pay a debt according to 15 USC 1692a ( 3 ). 

Account # XXXX and Account # XXXX are showing on my consumer credit reports as a charge-off. It is illegal to furnish income on a consumer report. A charge-off, according to the IRS, is income and you must file a 1099-C. As it stands, I have not received a copy of this form. Remove this information from my consumer reports immediately.

My rights as a consumer are protected under Title 15 Chapter 41. 15 USC 1601 highlights the consumer 's informed use of credit. At this time this alleged consumer credit transaction was entered on XX/XX/2023. I was uninformed and I did not understand as the information was not clear and conspicuous. The agreement is null and void due to your Company lack of disclosure and your unfair, deceptive, and misleading practices. 

What I am demanding right now is that you guys delete both Account # XXXX and Account # XXXX off my report. I can give you the CFPB report number. If this does not get deleted immediately, I will be seeking statutory damages since you willfully violated the obligations under the FCRA and FDCPA.
Consumer complaint received 2023-02-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

This is a business acct for XXXX XXXX. The Original fraudulent charge happened XX/XX/22, and there were three charges. I filed the Unauthrozied ACH Fraud Form, had the acct closed, and opened a new one. THe amount on this acct ending in XXXX, ended up being {$11000.00}, actually almost {$14000.00}. We happened to intercept it before the addtl {$3000.00}. I have been dealing with BOFA for nearly over a year. I have written a letter to them showing that only 2 people in my company proven my our corporate paperwork filed with them are allowed to make any decisons, and neither one of those 2 authorized these charges. I filed a police report as advised by another originating bank on a separate fraudelent charge on another account. I sent them our corporate paperwork. I have even reached out to the originating bank on this particular charge, of which thier letterhead shows no company name, spells our company name wrong, and a variety of information on the letter is incorrect though they claim that thier charge is valid. Here we are a year later still fighting the validity of a fraudelent charge that i have time after time proven is NOT VALID and is in fact FRAUD. BOFA keeps telling me that they are escalating it, and they will respond and then what hapens is i get a letter stating that they originating bank denied my claim, and i open it up again. Actually one of the times i called, BOFA told me i should hire a lawyer, and yet here i AM only because the hunt for a laywer is a lot harder than writiing a letter. I need help retrieving our funds as it does not seem our bank wants to do thier job in retrieving our money. I have made several phone calls, talked to several people, written several letters, and done so much work on this over a year. I have not been supported by my bank, and this has been a longer process than it hsould have been. I understand how banks, and all the nonsense in the middle works however there is no excuse for this.
Consumer complaint received 2020-05-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (KS)

Bank of America promised {$300.00} bonus when you opened up their checking account by a certain date and make {$4000.00} in direct deposits not including transfers from other bank accounts you have. I made the deposits and when I called at the beginning of XXXX they said I would receive the payment by XX/XX/XXXX. I waited until XX/XX/XXXX and I hadn't received it so I had to waste time to call again. When I called again he said I met the requirements but it would be another 50 to 60 days. No where does it say these time frames in the offer and it appears to be a big and switch. Bank of America just keeps saying the bonus will come in the future so you don't close your account when you realize they don't have drive thru locations anymore. Why on earth would a mother of XXXX young kids want to expose their children to the germs of tons of people in the lobby?
Consumer complaint received 2023-02-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

This account is has been showing on my consumer credit reports as a charge-off for 7 years plus. Ive been trying to dispute this issue for 2 years now. It is illegal to furnish income on a consumer report. A charge-off, according to the IRS, is income and you must file a 1099-C. They can't charge it off then report it to IRS. Furthermore, ( XXXX XXXX ) is committing tax fraud. As it stands, I have not received a copy of this form. My rights as a consumer are protected under Chapter 41 Title 15 USC 1601 highlights the consumer 's informed use of credit. At the time that I entered this consumer credit transaction, I was uninformed and I did not understand as the information was not clear and conspicuous. The agreement is null and void due to my lack of understanding because of your corporations unfair, deceptive, and misleadingpractices.
Consumer complaint received 2021-03-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Self Financial Inc. (SC)

I was advised to write to you by your customer service department concerning my credit rating with your company. I have enjoyed a credit account with you for many years. During the course of our business association, I have honored and respected my account agreement to the fullest. I appreciate how wonderful your service has always been. 

Unfortunately, I was in a financial dilemma due to job loss. As a result, my payment to you were delayed. Because your account with me is extremely important I managed to borrow the money to cover the late payments. I made sure to fulfill my obligation to ensure that your company suffered no loss. 

I am thankful and appreciative for the years of positive credit history that I have obtained through your company but now the late marks dated on my credit reports are causing me tremendous stress. I am trying to move up to a better paid position at my work, but the negative remarks are hurting my efforts. 

This is where my " Goodwill Request '' comes in. I desperately need this promotion and I would be extremely appreciative if you would please complete a UDF - Universal Data Form and send it to the credit bureaus to reflect paid on time " never late ''. 

The credit bureaus have advised me that they will report anything as instructed to by you, but they need to have that instruction in writing. I will place my account on auto pay and promise to make all payments on time in the future. 

I beg that you may help me and take into consideration how good of a customer I have been and how long I have had an account with you. My family very much needs this to pay for medical care that we desperately need. I hope you can find it in your heart to help us.
Consumer complaint received 2020-05-28
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America edd prepaid cards closed my account on XX/XX/XXXX for reason unknown. when trying to find out why this happening i learn why I found that it the hands of fraud. I have had no luck in contacting them to learn the reason why. they just reuse to answer there phones. As for fraud i have done no such things. Yes I spent a lot money but it all been for relaunching my business and they unfair closed my account due to this is my assumption. as of now they took away my only way of surviving without ever one time talking to me about what going. I didn't do anything I m very upset. this is unfair. I have little over XXXX $ lift in there and 2 more week of unemployment benefits XXXX $ i can no longer clam that been award to me by the state and gov. i need help they won't tell me anything
Consumer complaint received 2023-02-21
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. (DE)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX, XXXXXXXX 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.
Consumer complaint received 2018-10-09
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: SUNTRUST BANKS, INC. (GA)

I get a Social Security XXXX check each month on the XXXX Wednesday of each month. I receive {$1200.00} and live alone with trying to pay my other bills. SunTrust continues to charge me an extended overdraft fee which increases my negative balance. This is just additional income for the banks and is very unfair to people who can use the additional {$36.00}. I had a hardship which started the chain of the negative balance and on XX/XX/2018, I will be able to get back in order. Banks are making a tremendous amount of money each year by charging fees that making it harder for people who live below poverty level. I have been living off of beans and rice for the past 5 months because that is all I can afford. Having XXXX, rice is not a food that is good for it. I am not able to eat any healthy meals and take care of myself. In addition to having XXXX, I am XXXX and have been for XXXX years, XXXX, XXXX, XXXX XXXX XXXX, and XXXX and was very healthy until all of this happened. I have attached some statements and can provide more if needed. 
I would greatly appreciate if someone would look at what the banks are doing and change this that is going on. All of the extended overdraft fees that I have paid could have helped me with buying food to prepare.
Consumer complaint received 2018-10-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (OH)

I have disputed the late payments on this XXXX XXXX XXXXXXXX for months. XXXX and XXXX have reversed them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.
Consumer complaint received 2023-02-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (KS)

This is about the inaccuracies that were inequitably furnished onto my Consumer Report. I came to know about these inaccuracies on XX/XX/2023. Due to these inaccuracies, my right to extend credit has been damaged to a great extent. As a result, I was discriminated against embarrassed and refused several transactions.I did not give consent to Experian, XXXX, nor XXXX. Pursuant to 15 USC 1681 ( a ) ( 4 ), a consumer reporting agencies must exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. These companies have been partial and have not shown any respect to my right to privacy.
Consumer complaint received 2023-02-23
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Paypal Holdings, Inc (OH)

Hi CFPB member, This is XXXX XXXX, we got a XXXX Paypal Payment from XXXX XXXX, the boss of XXXX XXXX XXXX XXXX company on XXXX XX/XX/XXXX. 
We delivered the packages on XXXX XX/XX/XXXX, the XXXX tracking number is XXXX, XXXX. 
Due to the shipping problem, XXXX XXXX from XXXX XXXX XXXX XXXX XXXX open a case on Paypal, we keep contacting with shipper and buyer. A month later, they got the packages finally on XXXX XX/XX/XXXX. But Paypal refund XXXX payment to that company XXXX XX/XX/XXXX. 
We usually use XXXX to contact XXXX, when he made the payment we noticed that the address provided on Paypal did not match the address of the invoice we had made, so we asked XXXX about it and he clearly stated that he was going to send it to the address of the invoice, and we also confirmed with him his PayPal account, so that one could not be a false message. Even though we provided favorable evidence, PayPal still refunded him. 
We contact Paypal Many times, we can't believe that Paypal would impose a penalty like this and the way they handled it was really poor, they hung up on us before we finished speaking, that's very disrespectful for us. 
We hope CFPB can help us to defend our rights. 
Thanks.
Consumer complaint received 2018-10-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NV)

I have disputed the late payments on this XXXX  XXXX account for months. XXXX and XXXX  have reversed them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX   on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX  on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.
Consumer complaint received 2023-02-23
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: SANTANDER HOLDINGS USA, INC. (VA)

Hi A hard inquiry is placed on my credit file by a SANTANDER CONSUMER USA INC Address : XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX Phone : ( XXXX ) XXXX on XX/XX/2023 I never apply with this company for anything or with any other company at this date, i called the company asking why they submitted the inquiry they say they can not help me without account number, I don't have account number with them because I don't know who they are i try to call XXXX to dispute this inquiry they refused.
Consumer complaint received 2023-02-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Atlanticus Services Corporation (OR)

In XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX as did my entire family. Shortly after we all recovered XXXX XXXXXXXX we all got XXXX XXXXXXXX. Upon returning to work I immediately resumed payments or entered into various agreements to avoid penalties/interest/late charges. Fortiva credit card sent me an offer on XXXX. I will attach the email. I then followed the instructions in the email and on XXXX I made a payment of XXXX to my account, as requested in the email. I then got an email confirmation that my payment was applied. I then logged on today and made another payment of XXXX, well over the minimum due. I noticed on my credit report ( s ) it shows my account as " closed '' and " Past 90 days past due ''. Nowhere in this email ( attached ) does it indicate by making this payment you are " agreeing '' that we will close your account, nor does it say anything about closing my account. I attempted to contact them directly via the chat option in my online account. I asked them to please correct what is being reported to the credit companies because this information is not accurate. They informed me that it is accurate, and they won't be changing it. This is unacceptable. It has devastated my credit score and I am trying to get a mortgage. I made every attempt to connect with them, I paid my account per the agreement sent me to, and none of this was noted in the agreement.
Consumer complaint received 2023-02-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (CA)

i made a claim from XXXX. i behalf of XXXX dollars, wells Fargo denied my claims with no explanation until i called to check the status of it, they gave me a final credit, and then tok it away from me saying that i called to close the case, i asked for more info and i receive a lame excuse saying that there's nothing they could do and just to contact the XXXX
Consumer complaint received 2020-05-28
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL (ID)

On XX/XX/2020 I went into a Lowe 's Store # XXXX and asked to open a revolving credit card account as advertised, we were put into a card used for contractors without our permission. Bait and Switch is the term I have heard used. Nothing was provided to us after account opening and after four months and a dozen requests still have not received a statement or anything explaining the terms. The store and manager have let me down. 
I have not heard anything for the past month after numerous attempts and overnight letters. As far as I understand Credit reporting, what Lowes did was illegal in my opinion. 
Thank you XXXX XXXX XXXX
Consumer complaint received 2023-02-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NY)

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. 

Account name : # 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 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 2021-12-02
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: EQUIFAX, INC. (GA)

I am XXXX XXXX and I'm submitting this complaint myself and there is no third party involved. Due to Equifax being a Consumer Reporting Agency and collecting fees for reporting information on consumers, they are not exercising their grave responsibilities with fairness, impartiality, and respect for the consumer 's right to privacy.

15 USC 1681c-2 states that a Consumer Reporting Agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from identity theft, no later than 4 business days after the receipt of the following : 1. Appropriate proof of identity of the consumer ; 2. A copy of an Identity theft report ; 3. The identification of such information by the consumer ; and 4. A Statement by the consumer that the information is not information relating to any transaction by the consumer.

Equifax received everything required under the FCRA needed to place a block on the information that resulted from identity theft as proof through CFPB Complaint number XXXX submitted on XX/XX/2021. It is now XX/XX/2021 and Equifax has yet to place a block on all information resulting from identity theft. 15 USC 1681 ( b ) states that consumer reporting agencies must adopt reasonable procedures for meeting the needs of commerce for consumer credit in a manner that is fair and equitable to the consumer, with regard to confidentiality, accuracy, relevancy, and proper utilization of such information. If Equifax allows its business partnerships with these organizations to continue to violate my FEDERALLY PROTECTED consumer rights, they will be liable to me for XXXX XXXX XXXX XXXX and any other actual damages caused as a result of the failure.
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

XXXX  ; Experian and XXXX  are reporting incorrectly that I am ( 30 ) days late on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2021-10-26
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (SC)

Using the Coinbase commerce app, I purchased and attempted to transfer XXXX bitcoin to a wallet. The coin was subtracted from my wallet, but the transaction did not go through. When I attempt to view data on the transaction, there is an error code for a connection issue. This problem occurred on XXXX, and I have reached out to Coinbase customer service, to no avail.