davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (DC)

On XXXX I submitted a letter to capital one that I was disputing their 30 days after speaking with a customer service agent that a mistake had been made. It had been reported even though I made the payment. My initial payment was returned and as soon as I noticed that this was a problem I made the payment again. My bank rejected the payment due to a charge on the account that I didn't authorize. I explained this and the agent told me it would easily get resolved by a letter and that was the only thing to do. I waited for over 60 days and received a letter back that since I already had a dispute from several years ago there was nothing they could do. This was an old credit card that they decided to cancel unexpectedly after I made a XXXX dollar payment, the entire credit limit, expecting to be able to use the credit. I tried to use the card and it was declined to my dismay, I then called to learn it was just canceled, all they said was that a term of the agreement had been violated by a return payment. How many return payments does this massive bank have? This entire card was a robbery for my entire 20s with their ridiculous interest rate and pennied rewards. This has a hostile and horrible action that has only been exasperated by the pandemic. The payment was made and the rest of the account 's balance was paid off on XX/XX/XXXX. They need to honor the commitment made by their customer service representative that the situation would be handled.
Consumer complaint received 2020-05-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I've sent several letters to the CRA '' S concerning incorrect and unverifiable public information. This unconfirmed, unverified, and dismissed ( filed ) bankruptcy has stopped me from obtaining credit. I know for a fact your company receives information on bankruptcy from a third party system known as a XXXX XXXX or XXXX. The XXXX XXXX is inaccurate and incomplete since the XXXX XXXX does not provide complete social security numbers as that would be against the Fair Credit Reporting Act and Privacy Laws. Furthermore, I have been in contact with the courthouse and they assured me they do not report full social security numbers to third parties or make social security numbers public records. Even though it is your company 's policy to keep reporting a bankruptcy that is filed, dismissed, or adjudicated for 10 years, the Fair Credit Reporting Act mentions nothing in Section 1681 ( c ) relating to bankruptcy you must verify with the actual furnisher of the information. The law is very clear and states from the date of adjudication or date of order of relief. It is only fair that in accordance with section 1618 ( a ) ( 5 ) of the Fair Credit Reporting Act you delete this from my credit report and send me an updated copy. You have injured me in so many ways I can not count! See attached letter from the court!
Consumer complaint received 2017-07-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: JPMORGAN CHASE & CO. (PA)

I received a letter from Chase asking me to verify information for an XXXX credit card for which they say I had applied. This letter was sent to an old address of mine ( and I received it via mail forwarding which will soon expire ). My credit reports show a hard inquiry from Chase Bank on XXXX XXXX, 2017. I did not authorize this, nor did I apply for any credit card. I called Chase and told them I had not applied for card and wanted it closed, and want the hard inquiry removed from my credit reports. I further wanted them to tell me by what means had the credit card application been submitted -- whether by mail, phone, or internet? And I wanted any other information about the application they could provide me. They had no interest in helping me with any of this information, and instead tried to sell me identity protection. They insinuated I must have " accidentally '' applied for the card. I know of 2 other people who recently had the identical XXXX/Chase credit cards attempted to be opened in their names as well. There seems to be a clear pattern here, of fraudulent activity specifically with Chase/XXXX credit cards. I have no other inquiries on my credit reports, and neither do the other 2 people who have experienced this.
Consumer complaint received 2023-04-10
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. (NY)

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 2019-05-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: WELLS FARGO & COMPANY (DC)

Hello, I received a credit card from Wells Fargo that I never applied for. I was considering purchasing windows from XXXX XXXX and partially financing the purchase. I gave them permission to run my credit to see if I qualify. 

I decided to go with another contractor. A few weeks later, I received a credit card with a {$8000.00} limit for XXXX XXXX from Wells Fargo. I never signed up for this card, agreed to the terms, or signed for it. 

I called Wells Fargo and they cancelled the card, but it is concerning they are opening lines of credit for people without their permission so I wanted to report it.
Consumer complaint received 2019-05-10
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. (TX)

I have recently checked my credit cards used in my name through XXXX XXXX, I found that there are two credit cards opened in my name. They are the following : XXXX XXXX Last reported XX/XX/XXXX {$0.00} Reported balance Credit limit {$6800.00} You're using 0 % of your account 's limit OVERVIEW Credit limit {$6800.00} Minimum monthly payment {$0.00} Opened XX/XX/XXXX ( 5 yrs, 8 mos ) XXXX XXXX Last reported XX/XX/XXXX {$0.00} Reported balance Credit limit {$13000.00} You're using 0 % of your account 's limit OVERVIEW Credit limit {$13000.00} Minimum monthly payment {$0.00} Opened XX/XX/XXXX ( 5 yrs, 1 mos ) I came to the United States in XX/XX/XXXX and applied for the first credit card after one year of that. I am confused there are two accounts already in my name. I don't want both of these cards on my credit card report. I need help to fix this problem.
Consumer complaint received 2019-05-10
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO. (FL)

My Mortgage was recently sold from JPM Chase to a Mortgage company called XXXX XXXX. I received notification of this around XX/XX/XXXX from Chase Home Loan. I was with Chase since the existence of this loan form XX/XX/XXXX. I understand the terms that this could be done at anytime during the course of the length of this loan. The reason I'm filing a complaint with the CFPB is that my credit score as of today has dropped 13 points. and the reason is because Chase has indicated on all 3 credit reporting agencies that my mortgage loan is CLOSED! In big bold red letters indicating ACCOUNT CLOSED. A note from my credit monitoring service says between XX/XX/XXXX and XX/XX/XXXX it appears Chase has closed a mortgage account in my name. I called Chase to inquire about this and they transferred me to a person who handles credit reporting in that department at Chase. After asking for my personal demographics to identify me, he looked at what Chase has placed on my report and he says it says transferred, But I told him it says closed and this has caused my credit score to go down considerable. They asked if my new loan holder was on my credit report. I said no. I have had a 23 year credit history with Chase home loan now they have caused incorrect credit scoring on my report. The he says wait 2-3 months and your score will increase with the new mortgage company. Like he wants me to wait to start over something it took me almost 30 years to build up
Consumer complaint received 2019-05-10
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. (NY)

I have XXXX items on my Equifax and XXXX XXXX reports that are not mine and are ( fraud ) due to a identity theft I endured, i sent them and I have written numerous disputes for the last year or so ive sent police reports, circled the items, ive sent the FCRA 605B, told them on the phone the problem, everything was done according to the law, and these companies refuse to remove these items on my reports, they are breaking the law and I have now seeked out an attorney to sue both these companies in court, i demand that these fraudulent items be removed from my reports immediately.
Consumer complaint received 2019-05-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

XXXX and Transunion are reporting incorrectly that I am 120 days past due on the XXXX AND XXXX accounts. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference pages 14 22 of the attached credit report. These accounts report a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. Please change the coding to I1. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Consumer complaint received 2022-12-22
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. (MA)

This is XXXX XXXX, and I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still items that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these items ( A ). I hope these disputed items are updated and corrected right away : 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 2019-05-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MO)

I had high hopes for this bank and after only 2 months I am closing my account. I went to an BOA ATM on XX/XX/2019 at approximately XXXX XXXX and attempted to deposit {$60.00} - {$70.00} dollars into the ATM. I use this same ATM frequently to deposit funds, it's usually quick and convenient considering the bank near me has no drive through options, and the inside is extremely busy all the time. The BOA ATM malfunctioned, gave me card back but said it was unable to give me back the funds I put in it. I go inside the bank, no help. I call to file a claim, with hopes of money getting put in my account expedited because it was for a bill, and I work at a bank so I know it can take 10 days, but there are procedures to get it expedited. Only to get told I still have to wait 10 days to get my money back by three different reps and a supervisor because of the age of my account. All for an error caused by the bank. No one stole money out of my account, there was NO FRAUD, my card was not lost or stolen, I was not irresponsible. BOA ATM Malfunctioned and kept my money. Now, I have late fees on the bill I was going pay, BOA will not reimburse me for that of course. The money was for a bill I was needed to pay today, and now I will have late fees, all because of your ATM malfunctioning. This completely unacceptable and unfair to me as an customer. 

Ive lost 0 trust with you all as a bank. Knowing something like this can happen with a small amount money and this bank wont do anything to rectify the situation, which was caused by their own ATM machine not properly working.
Consumer complaint received 2019-05-10
Product: Debt collection — Federal student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: GRANITE STATE MANAGEMENT & RESOURCES (OK)

Automatic payments were set to go out every two weeks from my XXXX XXXX  ( XXXX ) account to a student loan account with the Department of Education managed by Granite State. Payments were being made until the account was below a certain amount. Auto payments were stopped from XXXX XXXX to the Department of Education on or around XX/XX/2019 due to a lack of funds and XXXX continuing to send and then charging a insufficient account funds fee of {$17.00} on XX/XX/2019 and XX/XX/2019. XXXX advised me there was no way to not submit the payment if the account was below a certain threshold and auto pay would send the check or other means anyways even if the funds were not there. As such, auto pay was requested to be stopped so insufficient fund fees would stop. 

Shortly thereafter I started receiving phone calls from ( XXXX ) XXXX stating they were a payment company affiliated with XXXX and needed my credit card number to make the {$35.00} dollar payment since the last one had been returned. They had my name, phone number, and the amount of my last payment. I did not give them my credit card number and I then called XXXX XXXX  to ask about this. XXXX said they would investigate and I never heard anything back. I have blocked the ( XXXX ) XXXX number and that number is still attempting to call two to three times per day. The only way this company would have received my personal number and the payment amount is through XXXX XXXX. 

On XX/XX/2019 I noticed that {$35.00} was taken from my XXXX account via ACH noting the following : USDOE GRANITE ST RETRY PYMT. This was not authorized. I contacted XXXX XXXX   and they told me there was no way to verify if an ACH request was authorized by the account holder or not and that I would need to pay a {$30.00} fee to stop the payment. In addition, this payment would have put the account into a negative balance and another {$17.00} insufficient fund fee would be applied by XXXX XXXX if a new deposit was not made. 

Main complaints : - XXXX XXXX financial practices to recoup revenue on unwarranted insufficient fund fees - XXXX XXXX not verifying ACH requests are authorized ( acceptance on file, code sent, etc. ) - Department of Education or their affiliate using unauthorized means to collect payments ( ACH request, phone calls, etc. ).
Consumer complaint received 2019-05-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

XXXX and Transunion are reporting incorrectly that I am 120 days past due on the XXXX XXXX XXXX and XXXX accounts. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference pages 3 8 and 10 of the attached credit report. These accounts report a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. Please change the coding to XXXX. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Consumer complaint received 2019-05-10
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (OH)

Coinbase disabled my account for no reason and no explanation. 

I have placed multiple calls to their customer service line for over a month. 

Their customer service tells me that they have escalated my case to a " specialist '' and states that they will get back to me within 5-7 business days but never has for over a month. They would proceed to close the case without resolving the problem or contacting me with any explanation. Their customer service is non-existent. 

Referencing XXXX # XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-26
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: EQUIFAX, INC. (CO)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2023-07-26
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. (DE)

Hello my name is XXXX XXXX. Ive been trying to dispute this collection off my report for almost two years now. Im not sure why its still there. I was not living at that address so that bill does not belong to me. Ive never lived there. This hard inquiry is affecting my credit report and score and affecting with my overall life. These credit bureaus are using and stealing my information and its AGAINST the LAW for them to be having damages on my credit report under 15 USC 1681. I demand this be removed. Thankyou
Consumer complaint received 2023-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NC)

I recently reviewed a copy of my credit report. I was shocked to learn I have been a victim of identity theft. I found numerous accounts on my credit report that weren't open by me, this has been hurting me as I am buying a home for my family. Please remove these accounts off of my report immediately.
Consumer complaint received 2020-05-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (CA)

On XX/XX/2020, I used by Citibank mobile application to pay my credit card balance. My bank is Citibank and the credit card company is Citibank XXXX XXXX. 

Problem : The day I authorized {$8000.00} from my Citibank checking account to Citibank XXXX credit card, I had experienced a systems glitch. Specifically, when I pushed the submit button, the system crashed and I had to resubmit the request. However, unbeknownst to me, the system had duplicated my request and withdrawn double the amount of my intended payment. Hence, {$16000.00} was requested from my checking account. This caused an overdraft of my checking account and caused an insufficient balance penalty. 

Request for CFPB : I request that this department investigate the Citibank 's mobile application that allows duplicate payment without verification. In my case, the systems glitch in Citibank 's mobile platform allowed a duplicate payment to be made within a minute of each other. 

Additionally, Citibank XXXX Credit card company has made things difficult by not helping with the insufficient funds penalty. Rather, the supervisor for the credit card told me to contact my bank directly to ask for a fee waiver even though the problem arose with the systems issue with the credit card.
Consumer complaint received 2020-05-29
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: TOYOTA MOTOR CREDIT CORPORATION (CA)

In XXXX of XXXX, I purchased a new XXXX XXXX and was offered zero-percent financing by Toyota through Toyota Financial Services. On XX/XX/XXXX, I paid this loan off. I never missed a payment and never late. When I checked with my credit monitoring service, I was informed that my credit score had dropped due to an adverse notation that XXXX XXXX for one had picked up from XXXX. When I called Toyota Financial I could not get an answer as to what this was referring to. I filled out an inquiry with Toyota. They provided no answer and as with the representative earlier on the phone, I was told no to my request about the information on my own account. As a consumer, I should and must be entitled to know what the adverse comment is referring to after 5 years. The following is my information. Account : XXXX XXXX XXXX The company has for some reason taken an arrogant stance and refuses to talk to me.
Consumer complaint received 2023-04-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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 2020-05-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Transunion did not respond to my complaint that I had not intended to enter into any kind of agreement with them. I only wanted the free credit score that they offered. Instead, I was signed up for a monthly monitoring agreement that I could not cancel. The next time I went to their help page, I was sent to a defunct website. I could not communicate with them at all and I am still being charged {$19.00} per month. I want all my monthly subscription payments refunded and the service canceled. I have already started a payment dispute procedure with my bank.