davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-01-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (TX)

On XX/XX/XXXX I noticed that there was a charge for {$160.00} on my debit card that I had not authorized. It was to a XXXX store that I had little to no history of shopping at. I also was not in the XXXX area that day, making the purchase virtually impossible. 

I immediately called Chase bank and was forwarded to the claims department, where it was determined that my debit card had been compromised. I have been told by numerous people that this is a possibility, even with a chip card, and it is not uncommon for this to happen as a result of using your debit card at a gas station. Chase cancelled the card, said they would be sending me a new one, and refunded the money to my checking account. To my understanding, the issue was solved. 

On XX/XX/XXXX, without contacting me to give an explanation as to why, Chase suddenly withdrew {$160.00} from my account. When I reached out to the claims department, they stated that this was because I lived in the same city where the purchase took place and because the card had a chip it would have been " virtually impossible '' to compromise. Clearly, this was not the case. My card was compromised. 

Not only did Chase refuse to refund the money, they suggested I launch my own investigation utilizing cellphone pings. When I contacted my phone provider, they were unable to provide me with this information. 

I have only filed one other claim with Chase, ever, when an ATM machine did not accept my money and the matter was quickly resolved. The debit card was cancelled immediately after I discovered the error. I have no history of shopping at the vendor. I don't even know what was purchased, nor do I have any receipts to prove it.

Most frustratingly - when Chase pulled the money would of my account, it triggered an overdraft fee. I am currently left without money to buy food, gas, groceries, or anything related to basic needs.
Consumer complaint received 2023-07-25
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. (AZ)

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 

1. 15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE XXXX Account Number : XXXX Delete this account. 

2. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account Number : XXXX Delete this account. 

3. 15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE XXXX XXXX Account Number : XXXX Delete this account. 

4. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Delete this account. 

5. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX Account Number : XXXX Delete this account. 

6. 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports XXXX Account Number : XXXX Delete this account.
Consumer complaint received 2019-01-09
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: AES/PHEAA (NY)

I was referred to XXXX by XXXX XXXX who I found committed fraud and being investigated by the XXXX XXXX XXXX. XXXX XXXX XXXX or XXXX  XXXX started this whole fiasco, they never paid XXXX and they never placed me in a student loan debt forgiveness program. They did not re-certify me in the Pay as you earn. I struggled to find the right repayment program. I finally found one and XXXX refused to accept the program and told me that I had to pay the amount {$250.00}.
Consumer complaint received 2023-07-25
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. (TX)

On XXXX XXXX I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into hands of the wrong person. ''
Consumer complaint received 2023-07-27
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A. (WI)

Best Buy claimed they could not process my instrument. However, they did not follow the instruction attached to the instrument. It was not a check and can not be processed that way. It is a negotiable instrument and needs to be processed differently. They need to revisit this as their response was not appropriate given the situation.
Consumer complaint received 2023-07-25
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. (TX)

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 2023-07-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO. (TX)

On XX/XX/XXXX, I was in XXXX XXXX and attempted to use the United Lounge as promised by my United card which comes with two one-time passes each year. 

One-time passes were not accepted, apparently due to scheduled construction and not an exceptional event. In addition, I attempted to use the " pop-up '' United lounge  and was also rejected. 

If these passes are not usable when needed, then this perk is not worth much and misleads consumers. Specifically, United/Chase has the ability to inform me specifically ( without me needing to search deep on the website ) if the clubs are unavailable. This might change my travel plans and is presumably why they don't bother. I could have flown XXXX for less but paid extra to use the lounge and escape the crowds. 

United/Chase should provide some sort of remuneration when this situation arises.
Consumer complaint received 2023-07-27
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA (IL)

We financed with XXXX XXXX XXXX XXXX to buy out my current leased vehicle with hyundai capital America doing business as XXXX XXXX  XXXX. The vehicle VIN is XXXX. It was paid off on XX/XX/2023 with amount {$29000.00}. We contacted their title department to release my title multiple times since I paid off and they said the title was mailed out on XX/XX/2023 without tracking number and refuse to provide any proof that the title was mailed out. As of today XX/XX/2023, my current lien holder still did not receive the title. Since it is a leased vehicle, there is no lien release letter and only XXXXXXXX XXXX can call IL XXXX to get a duplicate title and update the names on the title. We contact them every 4 business days ( which is their indicated time window to process our request ) for multiple times till now and every time they just gave a different excuse but not actually get the title for us. It caused me a lot of trouble trying to sell this vehicle without a proper title.
Consumer complaint received 2023-07-25
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. (TX)

I XXXX XXXX XXXX, am filing this CFPB compalint in reference to disputes. That were sent cerified to the three major credit bureaus. XXXX, Trans Union, and XXXX in the filing of these disputes for request for reinvestigation I never got any results from my dispute for reinvestigation. I sent my disputes by certified mail, and yet I was not provided any information back at all. 
XXXX, Trans Union, and XXXX XXXX XXXX XXXX XXXX Have violated my constitutional Rights under FCRA , 15 USC 1681Section 611 ( a ) ( 1 ) ( A ), you are required by federal law to conduct a reasonable reinvestigation to determine whether the disputed information is accurate and recvord the current status of the disputed information, or delete the item from my file before the end of the 30 day period beginning on the date you received this notice. 
My didpute was sent by certified mail, I demanded to see verifiable proof ( This should have beeen hard evidence that goes all the way back to the original creditor, not verification from a third-party database. 
The three major credit bureaus, XXXX, Trans Union, and XXXX XXXX XXXX XXXX XXXX Have continually violated my rights by continual noncompliance as it relates to violation of the FCRA 15 USC 1681. 

( See attached uploaded disputes violations ). 

As, of the sending of this CFPB complaint, I will be following up with the filing of Civil lawsuits. Against the creditors and the three major credit bureaus, for the violation of my federal constitutional rights.
Consumer complaint received 2019-01-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Bureau of America Ltd. (NV)

On or about XX/XX/18 I was looking over my credit report and I noticed a collection from Collection Bureau of America ( CBA ), whom I have never had an account with. I sent CBA a debt validation letter on XX/XX/2018 and was signed for on XX/XX/18. CBA responded with copy of invoices, an itemized printout, and a demand for payment, but nothing to verity the debt since the FTC has stated that itemized printouts are not verification of a debt. I checked my credit report on or about XX/XX/18 and the debt was still reporting to the credit bureau, but it was not marked disputed within the 30 days that are required by law according to FDCPA 807 ( 8 ). I then sent another certified letter to CBA that was received on XX/XX/18, informing them of the violation and asking them to remove the inaccurate information from my credit file. CBA responded with another demand for payment and that they would not send verification of the debt, but I never requested verification but validation for a debt that is not mines. As, of XX/XX/18 the debt has not been removed nor has it been marked disputed. I am requesting to have this inaccuracy removed from my credit report immediately.
Consumer complaint received 2019-01-09
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (DC)

On XX/XX/XXXX, BoA told me that they would refund three months worth of the monthly maintenance fees I was charged.

They send me a check for the incorrect amount when I requested my account be closed.

They told me on XX/XX/XXXX that because my account was closed, they were unable to correct their check issuance error and as a result they were keeping my money. 

They informed me that they did see that I was told the fees would be refunded, but that they had no way to give me the funds. 

It's absurd and should be illegal.
Consumer complaint received 2023-07-25
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. (TN)

XXXX XXXX Sold the debt to a debt collector. After selling debt XXXX XXXX won't remove the account. I called XXXX XXXX reporting that this account is fraudulent they told me they would give me a call back. I never heard anything back from XXXX XXXX Which is making me have to disputed inaccurate information with the creditors. The creditors won't remove because they are say XXXX XXXX is verifying this fraudulent information.
Consumer complaint received 2023-07-27
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. (PA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2019-01-09
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. (TX)

My name is XXXX XXXX, I reacently found out about a loan that is not mines an i aslo saw that i disputed it on my credit report a whe ago, did not realize that until i got a copy of it, and it was under a diff name. I spoke with XXXX  on/around XX/XX/XXXX. I advised them about a loan that was under my name that I did not take out because I never attended school in XXXX, nor did I know about this school. The amount was for {$1300.00}, through XXXX XXXX initially, then they said it was under XXXX XXXX which is now handled by XXXX formerly XXXX XXXX. 
I was advised to write a dispute letter and submit military documents as well showing that I was in the military and also signed up in XXXX. I did that, then after sending on those documents, they claimed they did not get them, so I sent them again, later after that I still hasn't heard anything and was sent a fruad packet to have done. Included in there they wanted a police report. I told them you can not do a police report for something that happened in another state -- in another state. I currently reside in Texas and this incident happened In XXXX XXXX in XX/XX/XXXX. So when I went to the police station yesterday, XX/XX/XXXX he stated the same thing, that he can not do a police report for something that happens in another state and jurisdiction but would take note that I went in to give him this information and gave me a file number as well. He also stated that the companies are supposed to use the number to request the report or what was taken down. So I advised XXXX  escalations team of this, and she continued to go back and forth with me and told me if its that easy then I can do it and I told her I would not then asked to be transferred to a supervisor. She made it seem like she only had one supervisor and said she would transfer me to their voicemail and basically put me on hold after asking to speak with someone over her. I need this situation to get handled because it is affecting me maybe receiving grants for the upcoming school semester. 
Police file # XXXX Jurisdiction, XXXX, TX Account # XXXX Amount : {$1300.00} Stafford Loan XXXX Escalations Dept.
Consumer complaint received 2019-01-09
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have disputed that there was no late payment in XX/XX/XXXX. The mortgage company made a mistake when entering my payment information. I have had several conversations with the mortgage company and they said they would modify to either show no activity or not late yet it remains on my file. This needs to be modified and corrected.
Consumer complaint received 2019-01-09
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (PA)

Hello, I certainly hope you can help me. This problem originally began as a foreclose. We had a mortgage with OCWEN. We tried time after time to modify our loan with no chance of it happening. This was back in XX/XX/2013. They kept losing our paperwork, thus leading to deadlines not being met. We never got to speak to the same person. We were struggling to pay our mortgage and we needed to remortgage it in order to keep our home. Something was always wrong with the documents we sent in or they lost something. They ended up encouraging us to do a short sale and we followed their advice to the letter. In the end, we lost our house to a foreclosure. This was our first house. We moved from XXXX to XXXX  to be with family. A couple of years later we received a couple thousand settlement because they were sued. I am asking for OCWEN to remove their name and account from our credit report. That is it. We can't go back and get our house back. Yes, they should have helped us, they could have helped us, but they did not. They can remove this from our credit reports. It's the least they can do. Please help me.
Consumer complaint received 2023-07-25
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: WELLS FARGO & COMPANY (OH)

I have made all my payments and the account balance shows {$0.00}. I am trying to close the account and the company representatives pass my call around and eventually hang up. Have tried calling multiple times about this and same thing every time.
Consumer complaint received 2023-07-25
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. (CO)

I recently discovered that one of my creditors has re-added a previously deleted item to my credit report, which is a violation of the Fair Credit Reporting Act ( FCRA ). This has caused significant damage to my credit score and financial situation. Despite disputing the re-added item, the creditor has failed to remove it from my credit report. As a consumer, I am now considering filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) to protect my rights and seek resolution to this issue.
Consumer complaint received 2023-07-25
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. (NM)

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 2023-07-25
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. (NM)

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 2023-07-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc (KS)

I had an account with Chime. I was trying to send money to a friend who was at the airport and needed some funds for her and her kid 's luggage. After that was all finished a few days later I get an email stating my account was locked and I needed to provide documentation that it was my account and apparently I have other accounts as well which is entirely inaccurate. They closed my account with funds inside
Consumer complaint received 2023-07-25
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. (TN)

XXXX XXXX Sold the debt to a debt collector. I called XXXX reporting that this account is fraudulent they told me they would give me a call back. I never heard anything back from TRANSUNION/ XXXX XXXX Which is making me have to disputed inaccurate information with the creditors. The creditors won't remove.