davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: CITIBANK, N.A. (TX)

I am filing a complaint against XXXX XXXX regarding their handling of a dispute I initiated concerning inaccuracies in how an account appears on my credit report. On XX/XX/year>, I mailed a dispute letter to Best Buy requesting an investigation into this account, specifically noting that it displays incomplete and inaccurate details on my credit report. For instance, the last payment date is missing from all three credit bureaus, and XXXX is missing both the high credit amount and the credit limit amount. Additionally, despite all payments being made on time, this account is being reported negatively. Due to these discrepancies, I requested the swift and permanent removal of this account from my credit report. I also included a copy of how the account appears on my credit report as evidence. 

In response, Best Buy asked me to provide a reason for my investigation request and to submit a detailed explanation and supporting documentation, which I had already included in my initial dispute letter. This redundant request was frustrating, as it appeared that Best Buy had either not reviewed or ignored the information I initially provided. On XX/XX/year>, I mailed another dispute letter reiterating my concerns and again included the errors I was disputing, along with the relevant portion of my credit report. To date, I have not received any response from Best Buy.
Consumer complaint received 2024-10-30
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: BARCLAYS BANK DELAWARE (IN)

I transferred money from frontier  to XXXX XXXX XXXX XXXX got money frontier still charging me. Frontier bank can not understand they keep saying I transferred XXXX XXXX  to them they can not understand no matter what I say they get it wrong. I want XXXX  to quit charging me it went to XXXX. This has been going on since XXXX.
Consumer complaint received 2024-09-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO. (NV)

Last XXXX XXXXXX/XX/XXXX, I went in person to my local branch to open a checking account. Everything went well and I deposited a cash advance check for {$1400.00}. Everything was perfect until a couple days later which is today XX/XX/XXXX, they have locked my mobile access app and any login attempts to my account because they believe it has unusual activity so its locked. I called to ask that the XXXX is the problem because I just opened this account few days ago, my check cleared and their was no problem so whats going on!? They tell me that they cant verify my check because they need a phone number to match the check company? So I said okay, I provided the customer service number for XXXX XXXX XXXX based in XXXX  the number, the address, time and dates of everything and they refused to call for verification!! They said oh we cant physically call ourselves to confirm it has to be a phone number in their system and its suppose to match like XXXX? I told them go on XXXX because Im looking at it on my laptop and my paperwork signed contract and it has the same information.. so what cant you match??? They proceeded to tell me the system didnt have a number certified to it so they had no way of verifying the check? THEY COULD HAVE JUST CALLED! THEY COULD HAVE GOOGLED IT! WITH ALL THIS XXXX TECHNOLOGY AND KNOW HOW, these XXXX  have seemed to focused their energy on nothing when a simple phone call could have verified the check and myself or better yet they could have done this when I first opened the account in person!!!!!!! 

You can understand my frustration. The check and account are legitimate but XXXX  in the corporate world is the new norm. I want my account back online and fixed. I also want to them to written up for their XXXX. This is getting out of hand especially when I have a XXXX figure settlement coming. I cant trust any of these banks to do XXXX right I need your help to set the standard again.
Consumer complaint received 2024-09-03
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIBANK, N.A. (CA)

This account constitute a clear violation of the contract and are fraudulent. The bank did not provide me with critical information about this fraudulent account, which directly infringes upon my consumer rights. Consequently, I urgently request the Consumer Financial Protection Bureau ( CFPB ) to address this matter directly, as the bank 's actions have caused substantial harm to my financial situation. The account in question is : XXXX XXXXXXXX
Consumer complaint received 2024-09-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc (FL)

Received notification of a debt due of {$230.00} on my credit report from Hunter Warfield Inc.

I have never heard of this company and I have never been notified/contacted by this company or any other company they are working on behalf of by any means saying that I owed someone a debt. This has caused my credit score to drop and I would like this removed immediately from credit report.
Consumer complaint received 2024-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO. (DC)

I recently received a copy of my credit report and I noticed some late payments posted on my credit report ; Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES ; A In General Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other; ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly state : ( 2 ) EXCLUSIONS - Except as provided in paragraph ( 3 ), the term " consumer report '' does not include - ( A ) Subject to section 1681-3 of this title, any - ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.
Consumer complaint received 2024-09-02
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (NV)

" You earn XXXX point for every {$1.00} you spend on all other purchases. '' This is their claim for my Chase Sapphire credit card. On XX/XX/year> I spent {$21000.00} and received only XXXX in Chase Rewards points. I filed a complaint to Chase and received no feedback. I also tried to call and after talking to robots for 15 minutes, got a person on the phone who hung up on me. After XXXX more tries, I finally got connected to someone in XXXX I couldn't understand so I hung up. I see this as consumer fraud and a scam to get people to use their credit card. I would appreciate any help you can provide in contacting this company that tries every way possible to ensure that you can not contact them. Thank you.
Consumer complaint received 2024-08-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NJ)

On XX/XX/2024, I noticed that my credit score dropped significantly by XXXX points. Upon reviewing my credit reports from XXXX, Experian, and XXXX, I found several discrepancies that may have caused this issue. Specifically, my report contains an incorrect address, showing " XXXX XXXX XXXX XXXX, PA, '' instead of my actual address in XXXX, NJ. Additionally, there are XXXX hard inquiries, including multiple entries from XXXX XXXX and XXXX XXXX XXXX, which I do not recognize and believe to be inaccurate or fraudulent. 

There are also issues with the account information for XXXX XXXX XXXX XXXX, XXXX XXXX ( with duplicate and inconsistent entries for XXXX accounts ), XXXX XXXX, and XXXXDept of ED , all of which show discrepancies in payment history, account status, and balances. 

I have requested an investigation into these matters and asked the credit bureaus to update my records and remove any inaccuracies.
Consumer complaint received 2024-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Fidelity National Information Services, Inc. (FNIS) (FL)

I recently reviewed a copy of my ChexSystems report and noticed I had fraudulent accounts on my report. Please remove these accounts from my ChexSystems report, they are hurting my ability to obtain banking relationships for myself and my family.
Consumer complaint received 2024-09-02
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: CAPITAL ONE FINANCIAL CORPORATION (NJ)

To Whom It May Concern, I am writing to formally complain about unauthorized hard inquiries made on my credit report by the following entities on XX/XX/2024 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX- These hard inquiries appear on my credit report without my knowledge or consent, and I did not authorize any credit applications or services from these companies. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b, credit inquiries can only be made with the explicit authorization of the consumer or for a permissible purpose defined by law. These inquiries do not meet these criteria and, therefore, must be removed from my credit report immediately. 

Additionally, under FCRA 15 U.S.C. 1681c ( a ) ( 2 ), credit bureaus are required to report accurate information. The presence of these unauthorized inquiries is a clear violation of this provision, as they inaccurately reflect my credit activity. 

Furthermore, under FCRA 15 U.S.C. 1681i ( a ) ( 1 ), I have the right to dispute inaccurate or incomplete information on my credit report, and the credit reporting agencies are required to investigate and correct any inaccuracies within 30 days. Given the unauthorized nature of these inquiries, I demand their immediate removal from my credit report. 

Failure to address this matter promptly will result in further action, including the possibility of pursuing legal action for damages under FCRA 15 U.S.C. 1681n, which provides for penalties for willful noncompliance with the Act. 

I request that you take immediate action to remove these unauthorized hard inquiries and provide me with written confirmation that they have been deleted from my credit report.
Consumer complaint received 2023-04-20
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 (CA)

Dear PayPal Customer Support, I am writing to you today to appeal the permanent limitation placed on my PayPal account. I strongly believe that this limitation was placed by mistake, as I have not violated any of PayPal 's policies. 

I have been a loyal customer of PayPal for several years now, and I have always followed the company 's guidelines to the best of my ability. I have never engaged in any suspicious or fraudulent activity, nor have I received any complaints from other PayPal users. 

Therefore, I would like to respectfully request that PayPal re-investigate my case and restore my account if possible. I am confident that upon further review, you will find that there has been a misunderstanding or error in your decision to limit my account. 

My PayPal account is linked to the email address XXXX, and I am available to provide any further information or clarification that may be needed to assist with this process. 

Thank you for your attention to this matter, and I look forward to a prompt response. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-09-04
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. (DC)

The address ( XXXX XXXX XXXX XXXXXXXX XXXX XXXX DC XXXX ) is a fraudulent address being report on my credit report due to identity theft. Ive disputed this address numerous times and it still happens to remain of my credit profile.
Consumer complaint received 2024-08-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

This letter serves as my final demand concerning the persistent and egregious inaccuracies on my credit report. Your ongoing failure to rectify these inaccuracies is severely harming my ability to obtain credit. Under the Fair Credit Reporting Act, any disputed item lacking proper evidence must be removed from my credit report immediately. 

Please be advised that your failure to respond with proper validation, failure to provide notice of my dispute to the credit bureaus, failure to notify me within 5 days of initially reporting AND of re-reporting this account to the credit bureaus, as well as your persistent, malicious and frivolous collection activity, are all in violation of the FCRA : " Of course, if a dispute is received after a debt has been reported to a consumer reporting agency, the debt collector is obligated by Section 1692e ( 8 ) to inform the consumer reporting agency of the dispute. You also violated the FCRA 623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] " ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. '' You are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law.

AS Consumer by law Disputed Items below should be Deleted in my credit report Immediately!
Consumer complaint received 2024-09-02
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: JPMORGAN CHASE & CO. (NY)

I, XXXX XXXX, as a federally protected consumer and per the Fair Credit Reporting Act ( 15 USC 1681 ) I am now opting out of any and all authorizations that I may have given you written, unwritten, oral, verbal or nonverbal per U.S.C 6802 effective immediately and indefinitely. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (CA)

I have disputed this account several times. It keep coming back unchanged. This account was included in my XXXX filed on XX/XX/XXXX and XXXX XXXX XX/XX/XXXX. XXXX XXXX : XXXX. This creditor keeps reporting this account is a charge off and late on payment. If they keep reporting this way this account should be removed. or at least report the correct information. thank you
Consumer complaint received 2024-09-02
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: JPMORGAN CHASE & CO. (CA)

I have disputed this account several times. It keep coming back unchanged. This account was included in my bankruptcy filed on XX/XX/XXXX and XXXX XXXX XX/XX/XXXX. XXXX XXXX : XXXX. This creditor keeps reporting this account is a charge off and late on payment. If they keep reporting this way this account should be removed. or at least report the correct information. thank you
Consumer complaint received 2024-09-01
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: JPMORGAN CHASE & CO. (CA)

I have disputed this account several times. It keep coming back unchanged. This account was included in my XXXX  filed on XX/XX/XXXX and XXXX XXXX XX/XX/XXXX. XXXX XXXX : XXXX. This creditor keeps reporting this account is a charge off and late on payment. If they keep reporting this way this account should be removed. or at least report the correct information. thank you
Consumer complaint received 2024-08-27
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I received a check for {$340.00} from Bank of America to cover the financial harm that I experienced as a direct result of them freezing my card and EDD benefits from XX/XX/XXXX through XX/XX/XXXX. With the check I received a notice that I could submit a request for additional compensation which I did. I was NOT able to pay my rent once my card and benefits were frozen. I was evicted a year later while my card and benefits were STILL frozen. I provided my eviction notice and the demand of unpaid rent my landlord sent me, and the IRP denied my request stating that my proof doesn't show I was affected during that period. Yes it does because I was and still affected to this day because now I can't find someone willing to rent to me after the eviction due to unpaid rent. My family and I are still homeless! To add insult to injury .... according to the online portal my request was never even assigned to an agent. 
And after submitting the request they ignored it for 60 days then asked for more proof so I uploaded more documents, then after 45 more days they asked for my proof again ( after a week or so i called to check on it and I asked how long until someone would look at my claim and she said, " we weren't given a deadline so it will happen when it happens. ) well another few weeks pass by and I received a notice that a decision was made, then without an explanation of how they came to their conclusion, they denied it?!. And I can't resubmit it or anything. 
What a waste of time! I thought they had taken responsibility for their actions but really what they're doing is making themselves look good to those who don't know any better.
Consumer complaint received 2024-09-01
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc (CA)

My paypal account registered with email : XXXX has been locked an unable to withdraw my total balance of {$1200.00}. From my knowledge someone who paid me requested their money back cause they havent got product so it froze, HOWEVER .... He deleted his dispute because he got the items they were just a little late. that buyer was ( XXXX XXXX ) ... ... My question now is, WHY CANT I ACCESS MY FUNDS?? He got his product and he revoked the claim. So why is my account still frozen? I need my money asap.
Consumer complaint received 2024-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Avant Holding Company, Inc. (GA)

Company & credit bureau is reporting delinquencies from about XX/XX/XXXX to XX/XX/XXXX, which is incorrect. At some point there was stuff to the account I think that a occurred sometime around XX/XX/XXXX of which I was found in favor of the fraud. The car balance was at XXXX prior to the south. The company did do an investigation and reverse the charges, rewarded me back to late fees. And was in dispute of removing my delinquencies. I previously reported this they did remove the delinquencies from about XX/XX/XXXX to XX/XX/XXXX. Not sure why they're showing late activity from XX/XX/XXXX to XXXX of XXXX that I am sure this is in accurate as I have been on time with payments so they may have posted after they were paid. I need to have this corrected to update payment history and further improve conflictions with my credit reports.
Consumer complaint received 2024-08-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

Please see my attached Notice to file XXXX, my break down of all transactions with XXXX  showing XXXX 30 days + late payments BUT INSTEAD a one time deferment plan set up then an immediate extra/over payment when it was due ( on time ). You now have XXXX hours to fix this or you will be summoned to court and my attorney will be taken over in a class action suit. You guys are just taken their word not even seeing they close out compalints immediately with XXXX proof to back them..they don't care and neither do you but I do when it comes to my livley hood and 7-10 years of being stuck in life because you guys mishandled my accounts!
Consumer complaint received 2024-09-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collections Acquisition Company, Inc. (NM)

All of a sudden I had a collections show up on my credit report from XXXX XXXX When it first showed up it said Original Creditor was XXXX store XXXX for a returned check. For one, XXXX doesnt accept checks as a form of payment. I have never shopped at this store as it is over XXXX miles from my home. I tried calling the number listed for the collections a my credit report and none of the numbers are even working numbers. I disputed with XXXX who took this off my credit. XXXX and XXXX has not taken it off even after multiple disputes. The XXXX  has reviews of these companies showing scams regarding returned checks and fraudulent debt collections. This needs to be removed from my credit reports as it is not mine! Ive never received correspondence in the mail for this fraud collection it just showed up on my credit report one day. This needs to come off my credit as it is hurting my credit and is fraudulent.