davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-31
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. (PR)

I have tried several times to informed them that the XXXX and the XXXX credit reports information of creditor XXXX XXXX XXXX is wrongly showing an account opened on XX/XX/2013 with a balance of {$3400.00}. This credit report information do not belong to me.
Consumer complaint received 2024-10-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: JPMORGAN CHASE & CO. (TN)

I own Property XXXX XXXX XXXX XXXX TN My remaining Balance on it XXXX.I requested from Chase To cancel my PMI because My Property appreciate to $ XXXX. 
Chase order PBO on XXXX property and came back with the price of $ XXXX. 
I am at 75.85 % LTV Chase refuses to cancel my PMI Chase Consider my the Value of my property only $ XXXX even the PBO came back XXXX Chase does this all because they do not want to cancel my PMI. 
I talked with one of the agent that is from XXXX XXXX she told me chase does this all the time with people from the XXXX XXXX.
Consumer complaint received 2021-04-28
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I opened a XXXX XXXX account on or around XX/XX/XXXX. Since opening I made 100 % payments on time, including my {$7.00} balance that was left after they closed my account upon an " investigation '' that I was never made aware of. This happened twice. Once in XX/XX/XXXX, next in XX/XX/XXXX. Causing my credit score to plummet some 60+ points. ( along with a derogatory remark, which was also there fault ) I spoke with several people from XXXX  XXXX to # 1, express that I did not report a fraudulent account opening to Transunion and also, if that was reported, why wasn't I notified of it immediately. After already making negative remarks and closing my account, they then asked for me to send in proof of it being me. ( which I only did to be able to move forward with further options later, if this isn't settled ) So, I continued with the dispute process with Transuion. Detailing of what happened. A rep from Transuion verified that they also didn't see a statement from me and sent me my credit report, showing they still had me " in good standing. '' I reported that information back to XXXX XXXX. It wasn't until XX/XX/XXXX, while looking on my credit report that I saw that Transunion did indeed approve the false information that they had reported.
Consumer complaint received 2024-10-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: U.S. BANCORP (TX)

I opened a XXXX  XXXX  checking account with US Bank with an opening deposit of $ XXXX during XX/XX/year>. It has a promotion of {$800.00} after 60 days. There is no way one can reach out and talk or chat to a real human being. Called the toll free number- they have the XXXX- which think that even if i blink my eyes or breathe- it's an input. Why not human beings? Why go so cheap? 

Later I got somebody to chat - who is really super super slow - good for nothing. 

I need to know when i am going to get {$800.00} cash back bonus? 
Based on my chat with Asar on XXXX XX/XX/year>- i need to keep $ XXXX as balance to avoid any penalties or fees- please confirm. 

Please make it easy for customers. 

No need to outsource and hire cheap XXXX XXXX  workers.
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: Early Warning Services, LLC (GA)

I have been disputing these three companies since repeatedly, sending in dispute letters. XXXX  XXXX XXXXEarly Warning Services . Each time I dispute they send me back a letter stating that the account has been verified. XXXX XXXX has recently sent me a printout stating that it shows my signature but that doesn't look anything like my signature, I have asked each company to send me Proof and they have failed to do so, I have filed Two FTC reports against the account Which XXXX  XXXX XXXX alleges that is mines. This account is a fraudulent account that I did not open. 
I have mailed in the FTC report as of XX/XX/year> and I have also previously attached the FTC report to a report made through the CFPB.
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: Early Warning Services, LLC (GA)

I have been disputing these three companies since repeatedly, sending in dispute letters. XXXX  XXXX XXXX/Early Warning Services . Each time I dispute they send me back a letter stating that the account has been verified. XXXX XXXX has recently sent me a printout stating that it shows my signature but that doesn't look anything like my signature, I have asked each company to send me Proof and they have failed to do so, I have filed Two FTC reports against the account Which XXXX XXXX XXXX alleges that is mines. This account is a fraudulent account that I did not open. 
I have mailed in the FTC report as of XX/XX/year> and I have also previously attached the FTC report to a report made through the CFPB.
Consumer complaint received 2024-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Colony Brands, Inc. (FL)

MIDNIGHT VELET HAS FRAUDULANTLY CHANGED DATES ON AN ACCOUNT THAT IS WELL PAST THE STATUE OF LIMITATIONS FOR COLLECTIONS. TYHE AC COUNT WAS CHARGED OFFIN XXXX  BUT MIDNIGHT VELVET HAS REPORTED THE A CCOUNT AS BEING CHARGED OFF XXXX YRS LATER NOT ONLY VIOLATING MY RIGHTS BUT ALL LAWS GOVERNING ACCOUNTS BEING REPORTED TO CREDIT BRUREAS. REPORTING FRAUDLANT INFORMATION IS ILLEGAL. CHANGING AND ALTERING CREDIT INFORMATION IS ILLEGAL.
Consumer complaint received 2024-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Navient Solutions, LLC. (NY)

in accordance with the Fair Credit reporting act this creditor has violated my rights. Under XXXX5 USC 1681 SEC 602, states I have the right to privacy. 15 USC 1681 SEC 604A SEC 2, it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Consumer complaint received 2024-10-05
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: U.S. BANCORP (NJ)

I have no accounting from Elan Financial Services and so have no idea if they are overcharging me! Upon information, it would appear they are. 

That is to say, their bill never goes down much despite what I pay! 

I respectfully demand a full accounting for XXXX AND REQUIRE IT NOW, please!
Consumer complaint received 2022-05-05
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. (CA)

For months Ive been trying to get TransUnion to change multiple accounts status from derogatory to paid. Ive spoke with my creditors and have verified my current status. TransUnion is neglecting to do anything at all. Ive sent dispute by mail and online and have no contact for over XXXX  days. I have no delinquent or derogatory accounts at all. 

Accounts affected : XXXX ( XXXX loan ) : XX/XX/XXXX my account balance was {$1100.00} XX/XX/XXXX my account balance is {$1300.00} this is a personal loan, I dont know how a balance could increase ; account not past due or delinquent. Since XXXX TransUnion has been decreasing my score from this creditor with every decrease in balance. This company has been illegitimately been reporting since the year XXXX started. Including XXXX false late payment ( XXXX ). I called the creditor multiple times and no one knows how to handle the situation and have a hard time speaking in XXXX making it more difficult to thoroughly explain the severity of the issue, but what the creditors are able to verify is that my account is current and also that they report every XXXX days. I also called TransUnion and what the supervisor told me was to just dispute it or call the creditor. He was no help at all. 



XXXX XXXX XXXX XXXX XXXX Bank XXXX ) : Ive been in constant contact with an amazing associate at XXXX in XXXX to this account. Ive paid this charge off in XX/XX/XXXX this account status should be reflecting as paid, was a charge off not a currently derogatory charge off. I have paid this company and transunion should no longer be reporting this account as open/derogatory. I have written letter, called the creditor, and submitted a dispute online and have not received any word. I can not even access the transunion site. 


This inaccurate reporting has drastically affected my current living and has positioned me within unqualified regions for a multitude of things. Its really stressful that credit is so important for a lot of people and we need it to be nearly perfect. For something so sensitive it extremely difficult to get in contact with well, anyone, to help you fix this and within a timely manner. Credit reports are so quick and so accurate when you have negative items reflecting but when you need a mistake you did not make, fixed, on credit you work your XXXX off for, itll take up to XXXX days. Its very unfair.
Consumer complaint received 2024-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Early Warning Services, LLC (MA)

I am writing to formally notify you that despite previous correspondence and documented proof of communication, you have not complied with my request. Pursuant to the Fair Credit Reporting Act ( FCRA ), the Fair and Accurate Credit Transactions Act ( FACTA ), and the Fair Debt Collection Practices Act ( FDCPA ), I assert my right to dispute inaccurate information currently reflected on my credit report. It is my expectation that a thorough investigation into my claims be conducted promptly. 

I have already escalated this matter to the Consumer Financial Protection Bureau ( CFPB ) and the XXXX XXXX XXXX XXXX XXXX  ) in order to seek their intervention and assistance in resolving this issue. Copies of this communication will also be forwarded to the Federal Trade Commission ( FTC ) for their records. 

Reasons for Dispute : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2024-10-05
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Early Warning Services, LLC (PA)

EARLY WARNING SERVICES HAS OBTAIN MY PERSONAL RECORDS AND ARE SHARING MY BANKING/FINANCIAL INFORMATION WITH. NON-AFFILIATED THIRD PARTY LENDERS WITHOUT MY KNOWLEDGE OR WRITTEN CONSENT
Consumer complaint received 2024-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Early Warning Services, LLC (OH)

I am filing this CFPB complaint to formally dispute the negative accounts listed on my consumer report. I request that you reinvestigate these accounts in accordance with the Fair Credit Reporting Act ( FCRA ), specifically referencing the following provisions : Accuracy and Fairness of Credit Reporting ( 15 USC 1681e ) Reasonable Procedures ( 15 USC 1681e ( b ) ). It is essential that all information reported about me is accurate and fair, and I believe that the current negative entries do not meet these standards. As per the FCRA, consumer reporting agencies are required to follow reasonable procedures to ensure maximum possible accuracy. I urge you to take immediate action to review the information related to my accounts.

In addition to the reinvestigation, I kindly request the following : Furnish a copy of your updated report.

A detailed copy of your reinvestigation procedure regarding my dispute.

All documentation pertaining to the negative accounts currently reported on my credit file. If any documentation can not be provided, I ask that the negative accounts be deleted as mandated by the statutes. 

Here are the details of the negative accounts I am disputing : XXXXXXXX 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 2021-04-28
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (FL)

Synchrony Bank Amazon Visa credit card is notorious for having an abusrd short billing cycle - the time period between when they issue their monthly bill and the due date. In the process, they constantly unfairly assess late fees {$27.00} and interest charges ( not certain of the rate, but both charges are excessive ). 

Further, Synchrony bank poorly trains their customer service representatives so poorly in their XXXX call center that USA  customers have to request to be transferred to USA call center to settle their problems. 

However, in my case, the USA representative, although more literate than the XXXX call representative, was completely inept in the property process of how to recalculate my correct balance due and instead of quoting my off the current most recent billing statement ( sent back on XX/XX/21 ), quoted me the current balance for charges on the account through today XXXXaskikng me to pay the entire balance. 

I have a superiod credit rating, have never missed a payment before with Synchrony bank and only missed the XXXX billing ( due XX/XX/21 ), becuase they never sent it via ebill to XXXX XXXX XXXX XXXXXXXX bill pay ( NOT MY PROBLEM ). And now, they want to not only be paid for their XXXX billing too ( due XX/XX/21 ) but also any charges since XX/XX/21?? Today 's date is only XX/XX/21. 

I requested the representative to provide a complete recording of my phone call with her to her XXXX and have them call me. They'll never call. Good luck if you can find a recording of the call yourself if you inquire from the CFPB.
Consumer complaint received 2022-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PNC Bank N.A. (FL)

I have already disputed the inaccurate information on my credit report with PNC Bank NA in accordance with 15 U.S.C. 1681s-2 ( a ) ( 3 ).

The provision of subsection 1681s-2 ( a ) is enforced pursuant to 15 U.S.C. 1681s-2 ( d ). PNC Bank N.A . provided an inaccurate open PNC Credit Card Account in violation of 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ) The consumer ( complainant ) requested to close his BBVA credit card account. 

Consumer declined the PNC Points XXXX  XXXX XXXX Credit Card and rejected the PNC Consumer Credit Agreement. 

PNC Bank NA falsely reported to the consumer reporting agency that the consumer had an open PNC credit card account. The consumer never open a PNC credit card account.
Consumer complaint received 2024-10-05
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: Ingo Money, Inc. (IN)

Dear Ingo Money Support, I am writing to request the immediate removal of any freezes, locks, or identity theft restrictions that may be preventing me from utilizing your check cashing services under my own identity. I have encountered issues accessing my account and believe these security measures may be the cause. 

Please take the necessary steps to resolve this matter as soon as possible, so I can regain full access to my account and services. If you require any further information to verify my identity, please let me know, and I will provide the necessary documents. 

Thank you for your prompt attention to this issue. 

Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-05
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: GOLDMAN SACHS BANK USA (IL)

On XX/XX/XXXX, I sent XXXX dollars to my XXXX XXXX Account. I've been with Marcus since XX/XX/2024. I got an email saying I needed to call them immediately. I called, and they needed to access my account by sending a one-time passcode to my phone number. For some reason, they couldn't send the passcode to my number, and they told me they would send me an identification form in the mail in 7-10 business days, and I sent it back. I don't have time for this because I need my money in my account asap. I researched if other people have had this problem before, and it's been a problem for a while with Marcus that they do this to people and have people wait months on end.
Consumer complaint received 2019-12-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: FactorTrust, Inc. (GA)

I NEED HELP MANAGING MY CREDIT FILE. PLEASE UPDATE MY PERSONAL INFORMATION ON FILE. 

PLEASE UPDATE MY PHONE NUMBER TO : XXXX PLEASE UPDATE MY ADDRESS TO : XXXX XXXX XXXX XXXX, GA XXXX PLEASE UPDATE MY CURRENT EMPLOYER TO : XXXX XXXX XXXX PLEASE UPDATE MY CURRENT EMPLOYER ADDRESS TO : XXXX XXXX XXXX XXXX, GA XXXX THE FOLLOWING INFORMATION LISTED NEEDS TO BE UPDATED ON MY FILE IMMEDIATELY.
Consumer complaint received 2024-10-05
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CLGF Holdco 1, LLC (FL)

I got a new credit card with indigo card Customer service number XXXX XXXX XXXX In order to apply for the card I provided my id picture and information. They approved me on XX/XX/XXXX I paid for the full balance of the card then I went to use my card today to get it denied. I called the company they stated they closed my account because they need a picture id mind you in order to open the account I provided them with my credit. They said they sent a letter I never recieved they said they had put a block on my card in XXXX but I received my card in XXXX when I paid my balance they never let me know when I was paying the balance that I had to provide documentation. Today I let them know all this and they said theres nothing they can do I asked for them not to report to the credit bureau since they never contacted me or let me know they were closing my account or that I had to provide the documentation or if they can open my card. I did was I need to do in my behalf pay the fee of XXXX and thats all they asked when I paid they should of let me know I had a block before I made my payment so I can provided what I need they didnt. I asked if I provide the documentation can they open my account she said no. I feel like I got scammed and now my credit is getting effected by this. Can you please help this situation Im trying to buy a house and now this going to effect me.
Consumer complaint received 2022-05-05
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CLGF Holdco 1, LLC (VA)

I just completed chapter 13 bankruptcy in XXXX of XXXX. I tried working with credit repair to see if they could help me quicker restore my credit, I think in XXXX of XXXX, I started with them. 

I think I called credit repair and they told me about me owing this Genesis FS Card. I called Genesis and they suggest I file a fraudulent claim. I so not recall getting anything with this card, never received a bill stating what was owed and what for. 

I will appreciate anything you can do to help me with this.
Consumer complaint received 2024-10-05
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A. (FL)

Citibank has closed both of my accounts arbitrarily and without previous notification. 
The fact that they closed my accounts is having a huge negative effect in my finances : 1. Credit cards payments are being rejected.

2. They are holding my operative funds which I need to manage the day-to-day operations of my company.

As you may see, I have been severely affected for this unilateral decision. 
Although I went to the Citibank branch in XXXX, FL ; I did not receive any clarification about the reasons why my accounts were canceled neither receive access to my funds. 
Citibank is now holding funds to which they are not entitled neither have authorization to do so. 
Please note that after reviewing internet for several alike cases, I have found that Citibank has a regular practice keeping customers funds for several months, so I am afraid that my funds will be held for an indefinite time. 
The picture attached was provided to me in the branch but was never delivered to my house.
Consumer complaint received 2024-10-05
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (AZ)

Request for Re-investigation and Refund for Fraudulent Activity Claim Number XXXX XXXX To Whom It May Concern : I am writing to file a complaint regarding Wells Fargos handling of my fraud claim. On XX/XX/XXXX, I filed a fraud claim with Wells Fargo under claim number XXXX. Unfortunately, my claim was denied. Following the claim, my account was closed by Wells Fargo, which was explained to be due to my account being marked as high risk due to hacking. 

A fraudulent transaction for {$8800.00} was made from my account on XX/XX/XXXX to XXXX XXXX Bank. I did not authorize this transaction, nor have I ever done business with this company. As per the Electronic Funds Transfer Act, since I reported this fraudulent transaction within 60 days, the bank is required to limit my liability to no more than {$50.00}. 

I am requesting proof that I authorized this transaction, as I strongly believe that I did not. I have notified Wells Fargo multiple times regarding this matter, yet I have not received the funds back. I am asking for a thorough re-investigation and for the funds to be returned to me in the form of a check. 

If Wells Fargo does not properly investigate this claim, I intend to file a lawsuit for failure to comply with the Electronic Funds Transfer Act and failure to protect my account. I have all supporting documents available. 

Thank you for your attention to this urgent matter.