davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XX/XX/year> Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against TransUnion regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX XXXX Account Number : XXXX Dates of Late Payments : XX/XX/year> and XX/XX/year> Nature of Complaint : I submitted a dispute to TransUnion disputing a late payment reported by XXXX XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Discrepancy in Payment Posting : I made my payment on time ; however, XXXX XXXX delayed posting the payment to my account. Attached is the bank statement showing the exact date the payment was made and processed. The late payment was not due to any fault on my part but rather an internal processing error by the creditor. 

First-Time Issue : I have consistently made all payments on time for this account prior to the disputed late payment. The late payment does not accurately reflect my history as a responsible payer. 

Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, TransUnion has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report.

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being.

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-01
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (PA)

A key Benefit of our premier Chase Sapphire Reserve credit card is Trip Cancellation and Trip Interruption insurance. Chase Sapphire has contracted with Card Benefit Services ( Subsidiary of XXXX, XXXX ) and XXXX XXXX XXXX  XXXX to provide this insurance. On XX/XX/2024 I submitted a Claim for {$5000.00} of elibible expenses under the Policy. In the past 43 days I have provided XXXX documents supporting the claim, sent XXXX ( XXXX ) emails, and made greater than XXXX ( XXXX ) phone calls to Card Benefit Servies at XXXX. The documentation XXXX  XXXX inclusive of their form completed by a XXXX XXXX  verifying the serious illness which necessitated both the Trip Cancellation and Trip Interruption. For the past 43 days Card Benefit ServicesXXXX XXXX Assistance has committed Unfair Claims Settlement Practices with the objective of exhausting us so that we vacate our Claim. On XXXX, Claims Examiner XXXX XXXX XXXX confirmed our Claim was complete and had been sent to the " Quality Department '' for approval and our re-imbursement. On XXXX Card Benefit Services came back asking for documentatin already in their possession, but for it to be submitted in another form - all related to a small {$24.00} XXXX  ticket. These documents were supplied by email on XXXX. They were also uploaded to the web portal on XXXX. We were told on XXXX by Claims Examiner ( XXXX ) that the claim was complete, again, and would be going to the " Quality Department '' for approval - again. We were told by the Claims Examiner ( XXXX XXXX XXXX XXXX XXXX ) to expect the re-imbursement during the week of XXXX. We did not receive the re-imbursement. Instead, on XXXX we received a FRAUDULENT claim by Card Benefit Services that they still needed the documents on the {$24.00} XXXX XXXX. This is a FALSE statement. Once again, Card Benefit Services and XXXX XXXX XXXX are committing Unfair Claims Settlement Practices by continueing to delay and deflect our valid claim. Chase Sapphire Reserve has chosen to contract with the vendors of Card Benefit Servies and XXXX XXXX XXXX  to provide their guranteed travel insurance benefits. These vendors have failed to provide the XXXX XXXX XXXX for which we pay nearly {$750.00} a year to receive. This is JP Morgan Chase 's issue to fix with their contracted vendor so we receive the guaranteed XXXX XXXX benefit offered on our Chase Sapphire Reserve Credit Card.
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CBC Companies, Inc. (AL)

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : Personal Information : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Previous Address ( es ) : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Previous Address ( es ) : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Previous Address ( es ) : XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX : XXXX XXXX Employers : XXXX XXXX XXXX
Consumer complaint received 2024-10-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

I continue to try and get these inquiries off my credit report but Transunion is not willing to work with me on this issue. I've had no issues removing them from another credit bureau. I was told to file an FTC report to have it removed and I did that but still no fair resolution has taken place.
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SN SERVICING CORPORATION (CT)

After reviewing my consumer records, I found instances of late payments listed on an account for which I have consistently made timely payments. Consumer Reporting Agencies play a vital role in accurately reporting consumer information, and it is crucial that this information is represented with the highest accuracy.

I have never missed a payment on the following account : [ SN Servicing Corporation ], [ XXXX ]. I request a comprehensive investigation into these discrepancies and ask that you provide evidence, such as statements, to support the claims of late payments. If you are unable to furnish such proof, I request that these payments be promptly updated to reflect their correct status as on-time, as I have consistently met my payment obligations without delay. 

Additionally, when I first obtained my mortgage with this company, I was informed that they did not report to credit agencies and was never notified of any policy changes regarding this matter.
Consumer complaint received 2024-10-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Despite my repeated efforts to address the fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The presence of these items has severely affected my life, causing considerable stress and XXXX I must emphasize that I did not authorize or consent to the association of this information with my name, as I am a victim of identity theft.
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (CA)

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 LexisNexis Risk Solutions XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Re : Request for Investigation of Missing or Inaccurate Lien Information To Whom It May Concern, I am writing to request an investigation into my credit report regarding the absence or inaccuracy of lien information that I believe should be included. According to my records, the following lien ( s ) are either not reflected in my credit report or reported inaccurately : 1. Lien Description : Debtor : XXXX XXXX Secured Party : XXXX XXXX XXXX XXXX File Number : XXXX, filed on XX/XX/XXXX Collateral : XXXX XXXXXXXX XXXX XXXX ( Serial Number : XXXX ) ( Collateral released ) XXXX XXXX XXXX XXXX XXXX ( Serial Number : XXXX ) XXXX XXXX XXXX  ( VIN : XXXX, License Plate : XXXX ) 2. Additional Details : The lien should reflect the partial release of collateral concerning the XXXX XXXX XXXXXXXX XXXX XXXX The secured party retains interest in the remaining collateral listed above. The original financing statement, as well as the security agreement, states that this lien is governed under the laws of the State of California and the Uniform Commercial Code ( UCC ). 



Summary of the Promissory Note 1. Parties Involved : Borrower : XXXX XXXX XXXX : XXXX XXXX XXXX. XXXX XXXX : Principal Amount : {$10000.00} XXXX XXXX : None ( 0 % ) XXXX. Payment Schedule : First Payment : {$3300.00} due on XX/XX/XXXX Second Payment : {$3300.00} due on XX/XX/XXXX Final Payment : {$3300.00} due on XX/XX/XXXX XXXX. Collateral : XXXX  XXXXXXXX XXXX XXXX ( Serial Number : XXXX ) XXXX XXXX XXXX XXXX XXXX ( Serial Number : XXXX ) XXXX XXXX XXXX  ( VIN : XXXX, License Plate : XXXX ) 5. Default Provisions : If a payment is missed, the Lender can seize the collateral and accelerate the remaining loan balance.

6. Credit Reporting : Timely payments will be reported to the major credit bureaus.

7. Governing Law : Governed by the laws of California and the UCC.

8. Entire Agreement : This Promissory Note constitutes the entire agreement between the Borrower and Lender regarding the secured transaction.

The inclusion of accurate lien information is crucial for accurately reflecting my financial obligations and responsibilities. Under the Fair Credit Reporting Act ( FCRA ), I have the right to ensure that my credit report is complete and accurate. 

I kindly request that you conduct a thorough investigation into this matter. Please confirm receipt of this letter and inform me of the outcome of your investigation. I appreciate your prompt attention to this matter and look forward to your response. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-10-01
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (TX)

I received an envelope in the mail on XX/XX/year> with 2 letters from the Chase Bank. One letter was in XXXX and was addressed to me, with my full address and the last 4 of my card number. Another letter was in XXXX but addressed to a different person with her full name, address, and the last 4 of three different credit cards or accounts with Chase Bank. I called the support line on XX/XX/year> and was transferred to 4 different departments. No one seemed to be able to help me understand why my account was being closed, because my letter with the explanation was in XXXX and I can not read XXXX. Also, no one could help me with the protocol to ensure my personal information was not mailed to a complete stranger on accident or any extra security steps they can take to ensure no one can access my account when dialing in using the last XXXX or commit fraud. 

I then was transferred to a rude man that told me he could provide internal feedback on the issue of my personal information being possible shared on accident and there was nothing he could do. He also stated he could not explain to me why my account was being closed over the phone, despite when I called in the 1st rep said there was a note on my account to be transferred to a department to speak with me about the closure.
Consumer complaint received 2024-10-01
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Collection Management Holdings, LLC (UT)

VALIDATION AND CEASE AND DESIST Collection agency name : Credit Management Company Address : XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Your NAME : XXXX XXXX Your address : XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX Dear, Credit Management Company I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 

Please cease and desist from collecting on this debt until you have provided validation of the debt. 

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 

Thank you for your prompt attention to this matter.
Consumer complaint received 2024-09-30
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: DIGITAL FEDERAL CREDIT UNION (MI)

Honestly I'm not even sure where to start, I am writing to formally lodge a complaint against Digital Federal Credit Union ( XXXX ) for closing my account without reasonable justification while I was incarcerated, despite clear documentation of my intention to repay an outstanding personal loan. 

I have been a loyal customer of XXXX for over XXXX years, maintaining my account with minimal issues. During my period of incarceration, I was in communication with XXXX regarding my financial situation, and I had plans in place to repay the personal loan I owed. This was documented and acknowledged by the credit union. However, without any warning or prior discussion, I received a sudden email notifying me that my account was being closed. 

This decision seems to have been made arbitrarily and without consideration of the documented agreement I had in place to fulfill my financial obligations. I find this action to be unjust and harmful to my financial standing, especially since I was never given a reasonable opportunity to resolve the situation. 

I kindly request that the CFPB investigates this matter and assists in resolving this dispute. Thank you for your attention to this issue. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-10-01
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: JPMORGAN CHASE & CO. (FL)

On XX/XX/year> my mother passed, she has an account at chase bank, we informed them of her death and advised we were in probate. Our probate completed on XX/XX/year>, I took all legal documents, death certificate and identification showing I am the XXXX XXXX for my mothers estate. They refused to provide me with any information on the account stating they were going to copy the court order directing them to release and close her account to there legal department and would get back to me. It is a court order directing them to release the information and they refuse to release my mothers assets, or provide me with any documents or information on her account stating that I'm not on her account. A court order signed by a judge should be enough for this bank but it is not. They have frozen her account and stated they will tell me when I am able to close her account and take possession of her assets to put into her trust. What they are doing is illegal and immoral. My family is grieving the loss of our mother and they are willfully violating a court order.
Consumer complaint received 2024-10-01
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: Bread Financial Holdings, Inc. (CA)

This account represent a clear breach of contract and are fraudulent in nature. The bank failed to provide me with essential information regarding this fraudulent account, which is a direct violation of my rights as a consumer. Therefore, I urgently request the Consumer Financial Protection Bureau ( CFPB ) to handle this matter directly, as the bank 's actions have resulted in significant harm to my financial well-being. The account is : COMENITYBANK/VICTORIA XXXX
Consumer complaint received 2024-09-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (SC)

I have no knowledge of this account and have never conducted any transactions with [ Creditor ]. I have reviewed my financial records, and there is no history of this debt in my name. I believe this may be a case of mistaken identity or inaccurate reporting
Consumer complaint received 2024-07-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

I am requesting the removal of the late payment currently reflected in my credit report. This late payment record is negatively impacting my credit standing, and I believe it should be removed due to the circumstances explained below. 


I trust that the necessary steps will be taken to correct this error and ensure my credit report accurately reflects my payment history. I request written confirmation once the late payment has been removed from my credit report.
Consumer complaint received 2024-10-01
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC (MO)

This debt collector has engaged in practices that violate the Fair Debt Collection Practices Act ( FDCPA ). They have reported an account that I did not consent to, and there is no signed agreement from me authorizing it. A valid legal contract requires the signatures of both parties, and I was not involved in such an agreement. Furthermore, they failed to adhere to the proper 5-step validation process as mandated by the FDCPA. These actions clearly infringe upon my rights under the law, and I am entitled to compensation for these violations. I demand the immediate removal of this accountfrommyrecord.
Consumer complaint received 2024-09-30
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. (GA)

On XX/XX/year> I initiated a {$730000.00} wire transfer to a XXXX brokerage account for investing. It was made with a teller inside a Chase bank branch. I provided all the information requested. 

Within an hour the funds were withdrawn from my Chase private client account, but not deposited into XXXX. I contacted XXXX and informed the funds were held at their interim financial institution - XXXX - pending receipt of a for the credit of client account number. I was directed to contact Chase to forward that information to them asap for the transaction to be finalized. I then called Chase and remained on hold with their Wire Transfer division until receiving confirmation the XXXX message request was complete and sent to XXXX. 

On XX/XX/year> the funds were still not in either XXXX or Chase. Chase contacted XXXX, who advised them the refund wire was sent that day. Chase said to allow 24hrs for deposit into my account. ( I still dont understand why the wire transfer did not complete as directed into XXXX ). 

On XX/XX/year> the funds still remain unaccounted for. I called Chase again, and this time I was told to allow XXXX 3-5 business days for wire transfers to complete. Thats unacceptable so I filed a CFPB complaint. 

On XX/XX/year>, XXXX responded to the Complaint that they wired Chase the money XX/XX/year>. Chase advised me that was untrue and they had only just received the funds XX/XX/year>. 

I went into a local Chase branch where it was confirmed they did in fact receive the {$730000.00} on XX/XX/year>. One of the banks, or both of them, is not being truthful or transparent. 

TODAY, XX/XX/scrub>XXXX MY {$730000.00} REMAINS UNACCOUNTED FOR!!! 
This money was for an investment. I have lost 10 days of interest and compounded interest while massive financial institutions earn money off on their clients backs. Is it not illegal to hold peoples money? Wires are instant. Theyre electronic. The money goes out of your account the minute you pay for something it does not take 10 days to return my money. Please, CFPB, Dont just accept an answer like XXXX gave you that says we transferred the money- have some oversight - make somebody accountable here. That money is award money from my mothers accident and meant to last a lifetime - but if banks are permitted to continue legally stealing like this from everyday people? My sons and I will have nothing very quickly.
Consumer complaint received 2024-07-31
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: Experian Information Solutions Inc. (FL)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.