davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-11-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Comerica (FL)

Hi CFPB, I recently had an account with Comerica Bank which was closed on XX/XX/2020. However, on the day that Comerica had closed my account, I had transferred {$500.00} from my XXXX XXXX account to the Comerica Bank account, which successfully was withdrawn from my XXXX XXXX account. Comerica Bank, on repeated occasions, has denied having ever received my {$500.00} and has been extremely uncooperative in helping me locate where the money is. They have also refused to work with XXXX XXXX  and will not reach out to XXXX XXXX to resolve the matter. 

As of today, XX/XX/2020, I have not been credited back my {$500.00} to my XXXX XXXX account as XXXX let me know that Comerica has not returned the money that was transferred to Comerica on XX/XX/2020. If the CFPB can help to look into this matter and help coordinate the return of my {$500.00} between Comerica and XXXX, that would be greatly appreciated.
Consumer complaint received 2020-11-28
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

on XX/XX/2020 i sent letters to the credit bureaus XXXX, XXXX, and Transunion. I waited 45 days and still no response from either bureau. on XX/XX/2020 i sent another letter for the credit bureaus to comply and answer my request and still i haven't received an answer. it is now XX/XX/2020  and i still haven't received a response from the credit bureaus. This is clearly a violation of my rights According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report.
Consumer complaint received 2020-11-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

XXXX XX/XX/XXXX was placed on a two month Covid-19 assistance program in which the minimum payment due was reset to {$0.00} for XX/XX/2020 and XX/XX/2020 The account was also known as card member services was paid in full on XXXX XX/XX/2020 given the minute balance due This was reported as 90-120 days past due then 90 now 60 but remarks state 90-120 It was never late this account is 8 years old with zero late pays. Proof of call logs showing when it was set during XX/XX/2020 and payment have been submitted via mail, email and certified mail inclusive of social license and deed with zero correction
Consumer complaint received 2024-09-04
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I am the Victim of identity theft. I have never authorized the following inquiries. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please remove.
Consumer complaint received 2020-11-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/2020 my bill did not go through when it was on auto-bill. I reached out to the company and they said that they saw the payment try to come out of the bank but it was rejected. They never notified me of the rejection and gave me this late payment. I now can not get a mortgage because of this mark on my credit and the company will not help me with this unfair situation.
Consumer complaint received 2020-11-26
Product: Credit reporting, credit repair services, 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. (FL)

Greetings. 

i sent a disputes letters to the credit bureaus sunch as Experian, XXXX and XXXX, but they are not doing anything to solve my problem, I have inaccurate information on my credit report that is affecting my credit score, i want to resolve this as soon as posible.
Consumer complaint received 2020-11-27
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: JPMORGAN CHASE & CO. (TX)

On XXXX XXXX, 2020, XXXX add a hard inquiry on my credit report per XXXX. 
On XXXX XXXX, 2020, JPMCB CARD add a hard inquiry on my credit report per XXXX. 
On XXXX XXXX, 2020, XXXX XXXX add a hard inquiry on my credit report per XXXX. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Consumer complaint received 2020-11-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

I purchased two flight tickets from XXXX using my Citizens Bank credit card. ( XX/XX/2020 ) XXXX kept changing my flights, and at first I accepted the options because it was reasonable. But then they changed my routes again, and again ... 
So I had to cancel my tickets. 
I believe under federal regulations they have to give me my money back in full if an airline cancels a flight and offers no reasonable alternative departure. And believe me, those alternatives were not REASONABLE. 
Please help me! 
I send XXXX emails asking for a refund months ago and still I have no answer. ( XX/XX/2020 ) After that, I send Citizens Bank emails ( on XX/XX/2020 ), with screenshots of the purchases I made, but they refused to give me a refund after they finished their investigation. ( They finished their investigation on XX/XX/2020 ) The original two flights with XXXX.XXXX  costed {$510.00}, and {$270.00} and the first new itineraries {$140.00}, {$91.00}, {$23.00}. This I was willing to accept, BUT they changed the routes again, and added more and more unreasonable " options ''.
Consumer complaint received 2020-11-28
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Conduent Incorporated (PA)

Its eppi card Pennsylvania. They suspended my card and spent hours, at least 6 to 7 hours trying to get a live person to talk to me. When I finally got to talk to someone, she told me my card was suspended because I used it at a XXXX XXXX restaurant and that was unusual spending, she then put me on hold to condiment fraud and they told me to email my state I.d and other information and I did 4 times and they still haven't helped me with my card. I called several times and they always give me the run around and hang up on me and tell me the same thing about emails and it will be fixed and nothing gets fixed. I had read several reviews online and it seems to be a scam this company is pulling on ppl and stealing there funds from the eppi cards. I need help getting my card unsuspended fast. This is my only income. And the ppl from eppi card and conduent are very rude when you finally do get to speak to them and hang up on you and just say the same thing with no help at all.
Consumer complaint received 2020-11-27
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (NC)

I have been trying for 4 months to close my Paypal account and the company refuses to close it. I do not want the Paypal account in question open, nor do I want it associated with my name. Please assist me in getting this account closed.
Consumer complaint received 2020-11-25
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Byrider Franchising, LLC (MA)

I've seen no changes for the accounts that I have filed last month, I still see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

On XX/XX/XXXX I was informed that I currently have serious delinquency reportings on my XXXX, XXXX, and Transunion credit bureau reports as I applied for funding at my local bank. The reports illustrate late payments of 30 days and more for multiple loans in XXXX & XXXX though this REPORTING IS INVALID. I have contacted both loan service providers which the accounts are attached, to verify if these reports are true. Representatives from both companies did not find and COULD NOT VERIFY that the accounts had ever been in default or received late installment payments. These reports are invalid and therefore must be removed according to the Fair Credit Reporting Act.
Consumer complaint received 2020-11-27
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (NJ)

Please be advised that I, XXXX XXXX have always believed that maintaining an excellent credit history is essential to survive in any economic environment. However, there are times when an individual may face certain health issues that effects ones ability to pay their bills on time, or if a hospital stat limits the ability to stay on top of their affairs. I personally over the past three years have faced several XXXX  issues that caused me to be late on a few payments, be that credit cards or vehicle payments. There were times when I believe I was within the 30-day grace period. I have been perfect on my payment history for well over a year now. Accordingly, I am requesting a professional courtesy to delete the sole or few late payments on my account with your financial institution. You may do a light audit on payments which might prove that I was paying within the 30-day grace period, but I will defer to your professionalism on this matter. It truly has been a pleasure being a creditor with your organization, and I am thankful that you have placed your trust in my ability to pay my bills in a timely manner. 
XXXX XXXX
Consumer complaint received 2020-11-27
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: JPMORGAN CHASE & CO. (TX)

On XX/XX/2020, JPMCB CARD add a hard inquiry on my credit report per XXXX. 
On XX/XX/2020, JPMCB CARD add a hard inquiry on my credit report per XXXX. 
On XX/XX/2020, XXXX XXXX add a hard inquiry on my credit report per XXXX. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Consumer complaint received 2020-11-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (AZ)

I filed 3 disputes with Citibank for charges made by the same merchant, XXXX XXXX XXXX XXXX XXXX, headquartered in XXXX, Arizona. All 3 disputes were denied and rejected by Citibank. I believe these denials were unfair based on the facts of the situation, I have tried to communicate and work with both Citibank and XXXX XXXX to resolve this matter both to no avail. In matter of fact, I have been met with outright hostility and scorn. 
On XX/XX/2020, my car would not start. I got it over to XXXX XXXX, XXXX # XXXX in XXXX, AZ. Based on their testing and recommendation, they said they could fix my problem for {$650.00}. I agreed and was charged on my Citibank credit card. 
The next day, XX/XX/2020 again my car would not start. I got it back over to XXXX XXXX. They said oops to get my car fixed and starting properly, it would cost me another {$590.00}. I had a car that would not start. I could not drive it somewhere else, At that point in time, I did not know where to have it towed to anyway. I had no choice in my mind but to agree. 
I was charged twice to fix the exact same problem. My consent to the first charge was based solely on their testing and recommendation and direct communication to me that it would fix the starting problem with my car. The second charge emanated from the " hostage '' situation I was in. 
Obviously Citibank has not been helpful to me in resolving this matter. 
Thank you for your help and consideration in this matter.
Consumer complaint received 2020-11-27
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: Continental Finance Company, LLC (FL)

On XXXX. XXXX, 2019, CONTINENTAL FIN CO add a hard inquiry on my credit report per XXXX. 
On XXXX. XXXX, 2019, XXXX/XXXX  add a hard inquiry on my credit report per XXXX. 
On XXXX XXXX, 2019, XXXX/XXXX  add a hard inquiry on my credit report per XXXX.
Consumer complaint received 2020-11-25
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CITIBANK, N.A. (CA)

I was selling my purse through the app called XXXX. The name XXXX XXXX she said she was interested in my bag send me emai and text message she said shell send me a check amount of {$1900.00} and the rest of the money send it to her daughter through XXXX. It was XX/XX/2020 I deposited the amount of {$1900.00} payment for my purse was {$630.00} and the rest of the money I send it to XXXX after a 2 weeks my checking account was overdrawn {$1800.00}. Please please I need your help
Consumer complaint received 2020-11-28
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. (NY)

There are fraudulent accounts reporting on my credit report. I submitted a complaint with the Federal Trade Commission. Please help me to remove these accounts from my report. You have replied that it wasn't me when I have made previous disputes. So, I have provided proof of ID. It's terrible that I always have to go through with this with this company. Please help! Thank you.
Consumer complaint received 2020-11-27
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: EQUIFAX, INC. (LA)

On XX/XX/2020 I sent them a disputes for all unknown and inaccurate accounts its over 30 Days now but I haven't receive any response. I was a victim of Equifax Data breach and I want that all those account will be remove ASAP on my credit report or I will file a litigation.
Consumer complaint received 2020-11-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

On XXXX XX/XX/2020 I ordered online an item to Walmart. I included a warranty service for three years. The item was shipped without the warranty and was charged only for the item ( a XXXX  '' XXXX XXXX ). I was not informed and realized only when the Capital One credit card charged for the laptop. I contacted Walmart and they did not completed a depth investigation and referred me to the seller XXXX ( Third Party ). They contacted XXXX  and returned the item. I never saw the item. I was promised by Walmart and XXXX to refund me the charge. On XX/XX/2020, Capital One applied an adjustment for {$44.00}. On XX/XX/2020 I was charged again for the same charge of {$400.00}. I contacted them and their response was the seller provided " additional information ''. I contacted the reseller and Walmart again. They promised investigation and Walmart and escalation. I still have the charge for {$400.00} and no answer or updates.
Consumer complaint received 2020-11-26
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NH)

Despite me having made all mortgage payments on time and as agreed, XXXX XXXX XXXX has reported inaccurate, false and misleading information on my account and now has refused to fix my credit reports. I have twice disputed the inaccuracies and in fact XXXX 's own customer service did agree with me that they had my payments and sent them back and that they should have applied them correctly and she wasn't sure why they were sent back to me. She stated that she would also file a dispute on her end on my behalf at least thats what I was told by cutomer service. I am not sure if they ever did file a dispute. I have provided substantial proof of payments to the company. XXXX failed to properly allocate these timely made payments that I sent to them and in fact XXXX sat on these payments for well over a month before they decided to send me back my payments. They sent my payments back to my bank and then went ahead and reported these payments as being late or never recieved. XXXX failed to ever call me, email me or send correspondence as to why these payments were not being applied correctly to my accounts. They did go on and report false inaccurate and misleading information to the credit reporting agencies as a result of their own errors and refuse to acknowledge their mistake and correct my records.I have attached further explanation and proof of documents and will be reporting to other consumer agencies but will try this avenue before seeking legal help for damages. Please help me get this corrected.
Consumer complaint received 2020-11-26
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. (VA)

Experian promoted a feature called Experian Boost, which is supposed to help increase your score. But when I tried it, I lost 9 points. Experian stated its because self-reporting of accounts increased my risk to lenders. This consequence was not previously indicated by Experian. Experian recommended I remove the boost to restore my score ; but upon removal, my score did not recover the 9 points.
Consumer complaint received 2020-11-28
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$13000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- OPEN ACCOUNT 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- COLLECTION ACCOUNT 2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$13000.00} -This is not my account.
Consumer complaint received 2020-11-25
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: EQUIFAX, INC. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$3900.00}, {$42000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3900.00} -This is not my account. 

-- COLLECTION ACCOUNT 2. XXXX XXXX I with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$42000.00} -This is not my account.
Consumer complaint received 2020-11-25
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. (IL)

Attached are letters regarding inaccurate and unknown items on my credit report. Its been over 60 days and I still have not received notice or a response regarding this matter. There is no way that any of those items listed were considered verified or accurate ; when each item displayed inaccurate information across each bureau. I demand proof or immediate deletions after this complaint as for you are in several violation of the FCRA act. I feel like I am being taken advantage of and will seek legal counseling for punitive damages if this matter is not handled accordingly
Consumer complaint received 2020-11-27
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

In XX/XX/2020, I filed a dispute with this credit bureau about the unverified account XXXX XXXX Account # XXXX {$160.00}, {$160.00} {$160.00} {$120.00}. In those 2 months I have asked numerous times for a response into their investigation and I have not received anything in response from this bureau in over 2 months.. So now I'm contacting the CFPB to step in and help me get this issue resolved because I have not received a response from this company about these four unverified accounts as of today. Thank you