davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CBC Companies, Inc. (IL)

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries 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
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (VA)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2024-09-26
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CLGF Holdco 1, LLC (MI)

I received a statement for a card I never opened. I never received a card. It was a bill for {$250.00} ( XXXX annual fee, XXXX for credit protection fees ). Account number on bill was only XXXX. When I called number on bill, I was asked to give my Social Security number only. Could not connect without giving that number. That is a fishing attempt. I want this account closed and all credit agencies notified this was an unauthorized opening of this account. I want detailed conformation sent to me in writing that this was opened without my consent and closed and all credit agencies have been notified.
Consumer complaint received 2024-08-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NJ)

I'm writing to share my concerns about several issues I've encountered with the credit bureau. These include incorrect account listings, inaccurate credit reporting, inconsistent billing, and accounts that do not belong to me.
Consumer complaint received 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO. (TX)

Subject : Request for Correction of Mortgage Information with XXXX Dear Consumer Financial Protection Bureau, I am writing to formally request your assistance in correcting inaccurate mortgage information reported by XXXX, which I believe is in violation of the Fair Credit Reporting Act under 15 U.S.C. 1681s-2 ( a ). Despite my consistent and timely mortgage payments, XXXX has failed to update my account to reflect this accurate information, resulting in a negative impact on my credit report reporting also bad factor on loans. Under the aforementioned statute, I understand my rights as a consumer to dispute inaccuracies and ensure that credit reporting agencies maintain accurate records. I kindly ask for your intervention in this matter to facilitate the correction of my mortgage information also to correct on positive manner the loan factor with XXXX and ensure compliance with federal law. 

Thank you for your attention to this important issue. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-09-17
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 (NY)

Bank Information : CHIME BANK Towards the end of XXXX, i had a debit card stolen while out in the city ( XXXX ). I subsequently cancelled the card which ended in numbers XXXX. A new card ending in numbers XXXX was issued, received by me, and activated, on XX/XX/XXXX. 

Due to financial constraints, i opted to not give my new card numbers out to any of the recreational subscriptions my previous card ( XXXX ) was attached to. 

On XX/XX/XXXX at XXXX, i received a notification that my account had been charged by a subscription service for {$14.00}. I immediately checked the subscription in question, and verified that i had not attached any new banking information, and retrieved the invoice showing that card " XXXX '' had been charged. Upon looking in by bank account transaction history, it shows the same transaction, but approved under XXXX " XXXX ''. 

I never authorized this transaction on this card, nor did i authorize these numbers to be disseminated to ANYONE by any third party. 

Upon trying to open a dispute against this charge, it quickly became apparent that CHIME has created a process through which questions that have no clear answer are asked, or are irrelevant to the report of fraud, which causes the process to break down leaving no room or medium to argue against the charge.
Consumer complaint received 2024-09-26
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: WELLS FARGO & COMPANY (GA)

12 U.S.C.1701j-3 ( d ) ( 8 ) ( The Garn St. Germain Depository Institutions Act of 1982 ) ( " ... a lender may not exercise its option pursuant to a due-on-sale clause upon ... a transfer into an inter vivos trust in which the borrower is and remains a beneficiary and which does not relate to a transfer of rights of occupancy in the property ). 

Wells Fargo " foreclosed '' on a property in Trust. XXXX XXXX, XXXX was asked for the following information but did not respond : 1. The Security Deed, signed by 1025 Trust, associated with the loan at issue and are defined as a Borrower or grantor under the terms of said Security Deed ; and, 2. Proof of Claim that 1025 Trust is the/your Debtor under O.C.G.A 44-14-162.1 ; and, 3. Proof of Claim that Georgia Statutory Foreclosure Law Requirements allows you to foreclose on a Trust/entity because a different entity, ___________, owes you ; and, 4. Proof of Claim that 1025 Trust owes you a debt and/or present the contract between you and 1025 Trust stating that 1025 Trust will pay you for a debt it does not owe regarding the contract you are attempting to collect from ______________ ; and, 5. Proof of Claim that 1025 Trust is liable for ___________ contracts/debts ; and, 6. Proof of Claim that 1025 Trust and you have a contract with each other ; and, 7. Proof of Claim that Mortgage Electronic Registration Systems , Inc is an Agent, Trustee or Power of Attorney for 1025 Trust ; and, 8. Proof of Claim that Wells Fargo Bank, N.A. , Inc is an Agent, Attorney in Fact, Trustee or Power of Attorney for 1025 Trust ; and,
Consumer complaint received 2024-09-26
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: Aargon Agency, Inc. (MO)

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and XXXX Missouri Laws Dear AARGON AGENCY INC, I am writing to address the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), and relevant identity fraud laws, including those specific to XXXX, Missouri. 

It has come to my attention that AARGON AGENCY INC has engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, mandates consumer consent for such reporting activities under Section 1681b ( a ) ( 2 ). 

Additionally, XXXX, Missouri, laws governing identity theft and fraud emphasize the need for consumer authorization in any activity involving personal financial information. Violations of these laws, including the misuse or unauthorized disclosure of credit data, can result in severe legal consequences, both under state and federal statutes. 

I assert that I have not provided consent for AARGON AGENCY INC to report any information to my credit report. This lack of explicit permission constitutes a violation of my rights, resulting in potential damage to my creditworthiness and an undeniable breach of both federal and state laws. 

I demand that AARGON AGENCY INC immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and applicable XXXX, Missouri, identity theft laws. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under both federal and state laws.

I emphasize that obtaining consent is a legal obligation, not a discretionary action, under the specific sections of the FCRA and XXXX, Missouri, identity theft fraud laws. This is not a negotiation but a demand for compliance with the regulations protecting consumers from unauthorized credit reporting. 

I anticipate your immediate attention to this matter and expect that AARGON AGENCY INC will promptly rectify these violations, respecting my rights under both federal and state laws. 

Done in good faith.
Consumer complaint received 2024-09-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (NY)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late.

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX  account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Consumer complaint received 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CBC Companies, Inc. (CA)

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  XXXX XXXX XXXX of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Collection XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Late Payment XXXX  Account Number : XXXX XXXX  XXXX Account Number : XXXX XXXX XXXX  Account XXXX : XXXX
Consumer complaint received 2024-09-30
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: Experian Information Solutions Inc. (CA)

I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after 30 days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (LA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2016-08-18
Product: Credit card — 
Issue: Application processing delay — 
Company: CITIBANK, N.A. (CA)

XXXX was discontinued at XXXX ( a cashback card ). In its place, I was issued a Citi Business card ( also a cashback card ) I wanted to get a second user card for my daughter to have her own card ( She already had a XXXX card ). The day I received the new XXXX card, I called XXXX to make the request. A card was received. It was the Citi XXXX card ( mileage benefits ) not the Business card ( cash back ). I called XXXX & was told I had to go to XXXX for the card to be issued. XXXX told me to go back to XXXX. XXXX took all the information & said a card would be sent. I waited. A card was not received. I called again ( maybe twice ) I believe it was Thur XXXX when I spoke to a woman who told me the card would be expedited & I could expect to receive it Tuesday XXXX. I received an email confirmation. Then, because the delay cost me cashback, I spoke with XXXX in AZ, ID # XXXX. The issue was the cash the delay had cost me cashback credit. XXXX promised a {$100.00} credit. Today is XXXX the card has not arrived. I just spoke with XXXX in AZ, ID # KYT XXXX. I was told only {$10.00} added to my cashback was the only benefit I would receive to compensate for the time, money & aggravation caused by misinfomation and incompetance by XXXX 's Customer Service. I believe the cashback earned by my daughter 's purchases would have been more than {$100.00} but, out of frustration, I accepted the settlement. My conversation with XXXX was VERY unsatisfactory. He told me that the card had been sent by regular mail on Fri XXXX and he could do nothing about increasing the cashback credit. No courtesy call or email from Citi to let me know about the delay or the minimal credit was made. XXXX was adamant in saying that Citi has millions of customers & could not accommodate my request. That number of clients is great but how about a Customer Service entity to be knowledgeable & efficient & TRUTHFUL? If, for some unknown reason, more than {$10.00} could be credited, to my logic, Citi could send me a check. No, he told me, that was n't possible. Citi can not issue a check??? Now, I think it is fair to have a Citi employee look over the expenses incurred by my daughter with my supervision, to assess exactly how much money would have been earned. And, why would I be told by the first Agent & confirmed by XXXX # XXXX that the card would be expedited ( not true ) and per XXXX that I would get a ( measly ) {$100.00} credit when he would only authorize a {$10.00} credit? Why are XXXX Customer Service agents allowed to give misinformation & downright lies without consequences. Why am I paying the consequences for their inadequate service?
Consumer complaint received 2024-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS (TX)

The personal information on my report is wrong. The only personal information that should be on there is my name and current address. ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) Please delete all names and addresses that are not the ones I just listed. Any phone numbers and jobs need to be deleted as well as they are all wrong.
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

Consumer Name : XXXX XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. 
This fraudulent, inaccurate, and false information consists of an account opened at 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 XXXXXX/XX/XXXX. 
These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2024-10-23
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: JPMORGAN CHASE & CO. (NJ)

My mother passed away and, as her estate executor, I immediately closed her account and paid the outstanding balance in full. She had award points that were converted to dollars and thereby resulted in a credit balance ( {$630.00} ). I have repeatedly asked Chase ( the card issuer ) for this balance to be sent via check, but they have refused to do so. The account is closed, and no further action can be taken on the account, but they claim their policy is to hold those funds for 3 months before returning them to the estate. Today, I received a card statement for the account and that statement says, " If after 6 months the credit balance is {$1.00} or more, then we will refund the credit within 30 days. '' As a XXXX XXXX I know that Chase does not have the right simply to hold other people 's money without interest and they can not simply make up a policy that allows them to hold and use client funds like they are doing in this case. I have spoken to Chase multiple time over the last two months, and they just keep pushing me off. They tell me a manager will call me, but nobody ever has done so. This is absurd, and its bordering on criminal. Imagine if the bank is doing this systemically across all of its issued cards ; this is likely a meaningful source of XXXX cost funding for the bank at customer expense. Its not right ....
Consumer complaint received 2024-09-25
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: DISCOVER BANK (FL)

I am writing to formally dispute the inaccurate information reported to the credit bureaus regarding an alleged late payment on my account for XX/XX/XXXX which I firmly contest as being falsely reported. Discover Bank failed to provide me with the statement that was mailed to me 21 days before the due date. 
Under the Fair Credit Reporting Act ( FCRA ), creditors and debt collectors are required to report accurate information to the credit bureaus, including payment history. As a consumer, I have the right to receive accurate and timely statements related to my payments. 
The law that refers to the 21-day rule for billing statements is part of the Credit Card Accountability Responsibility and Disclosure Act of XXXX ( CARD Act ). Under this act, credit card issuers are required to send a billing statement at least 21 days before the payment due date.
Consumer complaint received 2024-09-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (CA)

opened new Chase checking account on XX/XX/XXXXXX/XX/2024..we deposited {$4500.00} to open account with and added more funds to pay credit cards and utility bills... 
Everything working OK... .And then on XX/XX/XXXX and XX/XX/XXXX we saw unathorized online debits to a XXXX ... .We called the Chase bank and reported the problem to there Fraud Dept ... .They said they would stop payments and issue reimbursement in 1-2 days a total of 94 small transactions totaling {$1900.00} was deducted from our checking account And now a week later we went to the Chase bank to check on our checking account and were told that no reimbursements were made because it went over there limits and they closed the Claim report ... ... We then took all our remaining funds out of the account and closed it too..we will be pursuing everything possible now to get our monies back .... 
Sincerely, XXXX XXXX XXXX