davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: JPMORGAN CHASE & CO. (MI)

On XX/XX/XXXX JPMCB CARD  was approved on my account. I already HAVE a JPMCB card. I got alerted and called chase/amazon immediately to report the fraud. They said they would delete it and get ahold of the bureaus. I needed up just filing a dispute on each and freezing my accounts. I had to upgrade to do it. I had some high alerts from XXXX. XXXX deleted a name but then there was a bunch of stuff they updated and told me other processes to then do
Consumer complaint received 2016-03-22
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (MD)

Experian is reporting XXXX collection accounts on the same student loan. I have disputed this information quite a few times to have the account removed from my credit profile, but the items still remains as if I have XXXX outstanding student loan debt. 

The CRA policy is based on termination of a debt collector 's authority and the debt remaining unpaid. Deletion is intended to prevent XXXX collections from simultaneously reporting on the same debt.
Consumer complaint received 2016-02-03
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: United Shore Financial Services, LLC (NM)

United Wholesale Mortgage failed to notify me that my mortgage was sold to another company. In my opinion, this violates my rights as a consumer that has an excellent credit rating, because now I am unable to make any mortgage payments. I have no idea on who my new mortgage company is and am unable to continue making my mortgage payments.
Consumer complaint received 2023-11-06
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: United Shore Financial Services, LLC (TX)

When I first called my mortgage company, United Wholesale Mortgage, back in XXXX of this year, I spoke with a representative by the name of XXXX XXXX. I was given ID number XXXX by him. I made it clear that my wife 's income would be reduced until XXXX or XXXX of XXXX as a result of her recent XXXX XXXXXXXX. They gave me an extension good until XX/XX/XXXX, for a period of XXXX month. I paid on XX/XX/XXXX ; the conference number that was provided online is below. 

On XX/XX/XXXX, you submitted your one-time payment draft for your loan ending in XXXX in the amount of {$1800.00}. The number for confirmation is XXXX. 

Then, in XXXX, they claimed that the check bounced and assessed a {$25.00} late fee. My monthly installment is {$1800.00}. 

On XX/XX/XXXX I contacted them seeing that their promise was given for an extra month 's extension. I shared in several communications with my wife who helps with the bills her income was put on hold due to XX/XX/XXXX XXXXXXXX XXXXXXXX and needed help back in XXXX, after they received the first payment in good faith as promised. I found out in that conversation with the litigation dept they misled me. 

So, I waited and reached out this time to corporate where they let me speak with a XXXX named XXXX XXXX, who listened to my formal complaint and corrected the issue by providing a forbearance extension for the next 5 months and removing the {$25.00} late fee assess and that would be receiving a form from the ligation showing all promise. She also said during this time there won't be any late charges or credit reporting. 

I later received a text message alert and email that the XXXX payment was late after I was told there would be no bad credit reporting to any agency during the forbearance that XXXX XXXX XXXX XXXX shared. I was so upset that my credit score of XXXX went to XXXX credit which was bad. What they did was a deceptive practice. I've filed with Texas Attorney General # XXXX My case # XXXX
Consumer complaint received 2023-11-06
Product: Vehicle loan or lease — Loan
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: WELLS FARGO & COMPANY (TX)

I was never informed of wrongful insurance that was placed on my vehicle loan without my permission until I found out about the settlement and after my vehicle was repossessed because the illegal insurance they placed on my loan. I called several times a few years ago, and tried to receive the actual amount of money they owed me that included the thousands of dollars of electronic equipment I had in my vehicle at the time of repossession. I also lost my business because I was left without a car. They never paid me for that.
Consumer complaint received 2023-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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.

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 2023-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (CA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2016-02-06
Product: Credit card — 
Issue: APR or interest rate — 
Company: SYNCHRONY FINANCIAL (NY)

Promotional rate fraud Synchrony Bank I opened a promotional credit account for the purchase of a treadmill. tI paid the exact amount necessary to pay off the treadmill before the promotion expred. The card applied my payments to non accruing interest instead of principal and then hit me with deferred interest charges which exceeded the cost of the treadmill to begin with. I was never notified of any promotional rate expiration as required.
Consumer complaint received 2023-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

Complaint Against Experian for Failure to Remove Inaccurate Information Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Experian regarding their failure to remove inaccurate information from my credit report. This information does not pertain to me, and its presence is in direct violation of U.S. Code 1681c-2 and U.S. Code 1681b.

Despite my repeated attempts to rectify this issue with Experian, they have been unresponsive and have not taken appropriate action to correct this erroneous entry on my credit report.

I believe this oversight is detrimental to my financial well-being and directly impacts my ability to access credit on fair terms. I request that the CFPB conducts a thorough investigation into this matter to ensure that Experian complies with the relevant federal regulations. 

I have retained documentation, including proof of my identity theft report to support my claim. 

Thank you for your attention to this serious matter. I trust that the CFPB will take the appropriate steps to ensure that my rights as a consumer are upheld. 

Sincerely, XXXX XXXX.
Consumer complaint received 2023-11-06
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (LA)

I had 19 charges on my account That were not authorized I contacted Chime and denied all 19 transactions within XXXX minutes they provided me a mere list instead of a detailed summary or any other supporting documentation of an investigation of the stolen funds. The charges are still being attempted and no funs have been returned.
Consumer complaint received 2015-09-21
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Experian Information Solutions Inc. (TX)

I had a charge off with XXXX XXXX XXXX, that was the Date of First Delinquency. According to the FCRA the account will be deleted after seven years from DOFD. I have credit reports ( attached ) showing the DOFD as XXXX XXXX. My reports always showed the account schedule to fall off XXXX XXXX, which would be correct reporting. As of this XXXX the account remained so I disputed it with ExperianXXXX. XXXX deleted the account per proper reporting information. Experian changed the account and update it to fall off XXXX XXXX which is very incorrect information. I am uploading a copy of that report from Experian as well.
Consumer complaint received 2023-11-06
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: EQUIFAX, INC. (IL)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGADS TO INACCURATE INFORMATION REPORTING TO MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN 30 DAYS I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BURAUS AND STILL HAVE YET TO RECEIVE A RESPONDS.
Consumer complaint received 2023-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (AL)

Equifax has refused again to provide me a copy of my consumer file pursuant to 15 USC 1681g and are continuing with their stall tactics. I have asked them twice for a copy of my consumer file and this last time they responded stating that I needed to provide them with identifying information such as a copy of my social security card, my DL, and my mailing address. However, that information was provided with the request for my file. To top it off, Equifax is preventing me from obtaining a copy of my credit report. I have tried twice now to get a copy of a recent credit report using the online account I have with them and each time they have denied it to me which is a violation as well. I will be pursuing litigation if they are unwilling to rectify and provide my report and a copy of my full consumer file. 

Attached again are my DL, ssn card, my mailing address is attached to the complaint, and screenshots of them preventing me from getting my report.
Consumer complaint received 2016-03-21
Product: Credit card — 
Issue: Other — 
Company: AMERICAN EXPRESS COMPANY (NY)

On XXXX XXXX, XXXX amex took my payment 2x. I have yet to receive a refund. 
New amex card, XXXX XXXX. 
XXXX XXXX, XXXX - became aware that auto pay was not setup. Made 2 payments to catch up. Spoke with Amex rep to clarify that this was a miscommunication on our part, auto-pay setup to pay on XXXX XXXX, XXXX. 
Setup Auto-pay XXXX XXXX - found autopay did not process on XXXX/XXXX/XXXX. Was required to make current payment PLUS schedule payment for next due date. 
Confirmed Auto-pay, again XXXX XXXX Scheduled payment processed PLUS autopay paid the amount due AGAIN. 
Used Amex chat to process refund of duplicate payment. They took banking info, to process electronic payment. Was told it could take until XX/XX/XXXX to process - which itself is outrageous. 
XXXX XXXX Called Amex customer support. Now told it will be refunded by XXXX XXXX. Escalated call to Supervisor - which was less than satisfying. Called back and asked to bypass Supervisor to speak with Manager. Was told a supervisor was as high as I could go by phone. 
XXXX XXXX - still no refund
Consumer complaint received 2016-03-22
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

XXXX XXXX need validation of debt done. the last payment date is missing. I need the full payment history from XXXX sent to me. Transunion has missing information. CRA 611-15 USC 1681 5 ( A ) If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly DELETE that item of of information from the file
Consumer complaint received 2023-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (GA)

Hi, I have been requesting over and over to have my personal information updated as it is reporting inaccurately.

I have reviewed my credit report and found there are several inaccurate information within my personal identification which you are reporting. I want to ensure you are only retaining and reporting true, current, and accurate information on my credit report per FCRA regulations and I demand, as my lawful right to update your reports with the information that I have listed below immediately. The addresses that you are reporting are not accurate!!

To make your process of deletion easier, here is a list of my information in addition to the enclosed supporting documents. 

My First & Last name is as follows : XXXX XXXX XXXX. 
Please remove any other names you are reporting that does not match. 

My current street address is as follows : XXXX XXXX XXXX XXXX, GA XXXX Please remove any other addresses that are previously reported. 

My date of birth is : XX/XX/1993 Please remove any other dates or years you have listed. 

My employers name is as follows : XXXX XXXX XXXX Please remove any other employers that you have listed. 

Name : XXXX XXXX XXXX. 
Address : XXXX XXXX XXXX Date of Birth : XX/XX/XXXX  After you have completed my request, please send me a copy of my credit report reflecting these changes. 

Sincerely, XXXX XXXX XXXX Enclosed : Photo ID, Proof of SSN, Proof of Address
Consumer complaint received 2016-02-05
Product: Credit card — 
Issue: Advertising and marketing — 
Company: CITIBANK, N.A. (WA)

the card that I have gives a {$250.00} air travel credit each year : {$250.00} XXXX XXXX XXXX XXXX made by the Primary cardmember and Authorized Users on the Card Account are eligible for this statement credit. Please allow 1-2 billing cycles after the qualifying incidental air travel fee is charged to your Card Account for statement credit ( s ) to be posted to the account. This statement credit is an annual benefit available for purchases appearing on your billing statements from XXXX through the following XXXX. Pending transactions that do not post in your XXXX billing cycle will count towards the next year 's XXXX XXXX XXXX. 

although i have made purchases in XXXX when I get my card, I was told when I inquire why on my statement it shows that my credit for the 2016 year is {$0.00}, I was told that was my XXXX billing statement and therefore ineligible. As if i person can have a billing cycle start XXXX XXXX, it is deceptive to not tell customer when they apply for the card. It is confusing that XXXX billing cycle can have virtually no dates in XXXX. I would not got this particular card otherwise if I have knew
Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I hope this message finds you well. I am writing to formally address a violation of my privacy rights. I did not authorize the inclusion of this information on my credit report, and its presence constitutes a clear breach. This not only damages my reputation but also affects my creditworthiness, as it has resulted in the denial of new credit applications.

The negative impact on my credit score is unacceptable, and I hold your organization responsible for this negligence.
Consumer complaint received 2023-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Hi, I have been requesting over and over to have my personal information updated as it is reporting inaccurately.

I have reviewed my credit report and found there are several inaccurate information within my personal identification which you are reporting. I want to ensure you are only retaining and reporting true, current, and accurate information on my credit report per FCRA regulations and I demand, as my lawful right to update your reports with the information that I have listed below immediately. The addresses that you are reporting are not accurate!!

To make your process of deletion easier, here is a list of my information in addition to the enclosed supporting documents. 

My First & Last name is as follows : XXXX XXXX XXXX. 
Please remove any other names you are reporting that does not match. 

My current street address is as follows : XXXX XXXX XXXX XXXX, GA XXXX Please remove any other addresses that are previously reported. 

My date of birth is : XXXX  Please remove any other dates or years you have listed. 

My employers name is as follows : XXXX XXXX XXXX Please remove any other employers that you have listed. 

Name : XXXX XXXX XXXX. 
Address : XXXX XXXX XXXX Date of Birth : XXXX After you have completed my request, please send me a copy of my credit report reflecting these changes. 

Sincerely, XXXX XXXX XXXX Enclosed : Photo ID, Proof of SSN, Proof of Address
Consumer complaint received 2023-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

The web interface for XXXX XXXX keeps saying I have late fees and keeps not updating my payments to autopay even after stopping the pay stops from my other bank. I missed a payment due to XXXX ' XXXX web user interface not being the friendliest. I plan to keep filing complaints every day until someone at XXXX XXXX helps me to fix my credit. I will keep submitting these constantly and consistently until someone hears me out. I never miss payments until this issued happened on this banks ' website. I am trying to be able to afford a home in this crazy economy so forgive my persistence to get this credit fixed. Thank you in advance.
Consumer complaint received 2016-02-05
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (VA)

Macy 's credit company card removes your card from automatic payments without your permission. When you setup automatic payments they arbitrarily removes it from automatic payment with no notification or warning at all, so they can charge you late fees. When asked they blame you as the customer saying you should check your automatic payments every month. But how will you know it 's off when you have been paying automatic for years? The purpose of auto-pay is so you do n't have to check constantly or worry about your payments. Your debit card is in good standing and money is in your debit account, only Macy 's decide to take off your auto-pay and not inform you it 's off so you can know what to do. This is some real shady stuff and I am very upset about this. They also refused to waive the late fees even though I have been with them for several years and have never been late once. I spent 2 hours on the phone with a rude agent that made me feel real bad until I had to escalate the call.They made it so two months worth of your bill is due at once. No remorse to fix that. And another issue with Macy 's credit cards is that they charge you interest/fees for paying off your monthly balance on time! Who does that? Penalize their customers for paying off their bill? Yes, Macy 's. It 's all about getting unearned money from it 's customers. Trying to mess up their credit report and just being plain crooks!
Consumer complaint received 2016-02-18
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

My daughter stole my debit card on several occasions withdrawing from my account at the ATM for a total of {$1800.00}. I contacted Bank of America and filed a claim to get the money back. I also called the police and filed a report with the police. They spoke to her and she admitted to stealing my card and withdrawing the money. My claim with Bank of America was denied for the return of the money because they said by giving her my card one time to use made her an authorized user. They also said that if she steals my card because now she is an authorized user anyone she gives it to to use becomes an authorized user. I tried to fight the decision but failed. They have not provided anywhere where it states that by giving my daughter once to use my card that she becomes an authorized user, and anyone she gives it to. Please help me in resolving this issue. My daughter is going to be prosecuted for the theft.