davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO. (MN)

I went into a Chase banking branch ( XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MN, XXXX ) to update my new cell phone number and was assisted by a personal banker. 
Even though I visited a Chase banking branch and was verified with my banking debit card and driver 's license, Chase bank has restricted my access to banking online. 

I have made over five ( five ) calls to their online services and even though I successfully verified myself ( soft pull on my credit file ), I still can not access my account. 

Just a week ago, I received a letter from Chase Fraud prevention and online services advising me to contact them regarding my online access. 

Chase was my bank of choice but now, they are just like any other bank : just pure nonsense! I have taken hours from my job calling and speaking with so many of their Associates and even their supervisors and STILL nothing has changed, I REFUSED to revisit any of their branches or call their online banking again to rectify this mess. 

You have wasted a lot of my time.
Consumer complaint received 2023-06-08
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: GOLDMAN SACHS BANK USA (TX)

On XX/XX/XXXX I submitted a complaint through the CFPB complaint # XXXX stating that Green Sky XXXX was using Color of Law to not only publicize and furnish inaccurate and private information but also that the information is FRAUDULENT and that has resulted from its own acts of FRAUD and IDENTITY THEFT as defined by 15 USC 1681 a ( q ) using extortionate means to collect on debts not owed which is a crime. I have made Green Sky aware numerous of times that the transactions were unauthorized which the CFPB has sued Green Sky for in XXXX File No : XXXXCFPBXXXX In the attachment provided I asked that the company provide proof it acted with lawful authority when it obtained and shared my information to consumer reporting agencies, and they failed to do so. Instead, they responded to the CFPB on XX/XX/XXXX stating that the complaint is in progress, and on XX/XX/XXXX mailed a attached letter to my home stating the same thing in addition to numerous phone calls asking about the detains of FRAUDULENT Transaction. I have put this company on notice and have filed a valid FTC complaint which is also attached, however they have failed to remove this tradeline from all three of my consumer reports which is another federal violation 15 USC 1681 s-1 ( a ) ( B ) which clearly states : If a consumer submits an identity theft report to a person who furnishes information to a consumer reporting agency the person may not furnish such information that purports to relate to the consumer to any consumer reporting agency unless the person subsequently knows or is informed by the consumer that the information is correct.
Consumer complaint received 2019-07-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (CA)

Bought condo time share from XXXX through commenity bank. Bought XX/XX/2018. Paid balance XXXX when funds transferred. Next bill showed full balance still. Next statement showed late fee paid. Next statement late fee still showing. Next statement new late fee and added interest from original contract. Paid original contact only new fees added. Offered to pay fees but not interest. Company refused even though I was obviously trying to pay. Also statement came in as XXXX not commenity so got mixed with other XXXX mail. XXXX shows paid in full. They reported current in XXXX then reported late again so keeps hitting report
Consumer complaint received 2024-07-19
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: FIRST PORTFOLIO SERVICING INC (NC)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.
Consumer complaint received 2024-08-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NY)

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 2024-08-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/year>, and I have not yet received a response.
Consumer complaint received 2024-07-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: FIFTH THIRD FINANCIAL CORPORATION (MO)

I tried logging onto my account on Thursday to make my second mortgage payment and after trying to log in they said that I needed to verify my identity using my phone number. The problem was the phone number they had on record wasnt even my number. After I called them to try to update my information they told me that they were placing my account on a 14 day lock, meaning I have no way of making my mortgage payment, as I live in XXXX and the closest bank is in Ohio. I am requesting the bank unlock my account so I can just make my payments on time like a good citizen.
Consumer complaint received 2024-07-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Sentry Credit, Inc. (IL)

I RECEIVED COLLECTION LETTER FROM SENTRY CREDIT INC AS KNOWN AS XXXX XXXX XXXX XXXX NO XXXX LLC. COLLECTING ON A FRAUDULENT ACCOUNT WITH XXXX XXXXXXXX XXXX XXXX 

I SPOKE WITH SEVERAL REPRESENTATIVES AND MADE THEM AWARE OF THIS SAID MATTER AND EXPLAINED TO THEM THAT IS ACCOUNT IS A RESULT OF FRAUD AND WAS OPEN OVER XXXX AGO AND THE ORIGINAL CREDITOR WAS INFORMED ABOUT THIS ACCOUNT BEING FRAUDULENT OVER XXXX AGO AS WELL.
Consumer complaint received 2024-07-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Credit Karma (NC)

I tried to create a credit karma account today only to find out that I already have one. However it is not tied to my email address. The email address listed has never been mine. I am concerned because the person that created this account tied to the email address has the last four of my social.
Consumer complaint received 2024-07-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: World Omni Financial Corp. (GA)

TO WHOM IT M, AY CONCERN I HAVE NEVER HAD OR SIGNED FOR A SE/TOYOTA VEHICLE I WOULD LIKE FOR THE CAR TO BE REMOVED ACCORDING TO FCRA RULES AND REGULATIONS 609,611,617,616, USC 1681 I HAVE NEVER RECEIVED DOCUMENTS OR ANY CERTIFIED MAIL VIA RECEPT CLAIMING OR ACKNOWLEDGING A DEBT OWED PLEASE SHOW PROOF OF METHOD OF VERIFICATION OR DEBT VALIDATION ACCORDING TO SECTION 1637B.SETOYTA XXXX XXXX XXXX XXXXXXXX OPENED XX/XX/2020 {$46000.00} INCLUDED IS POLICE REPORT FILED AS REQUESTED.
Consumer complaint received 2024-07-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: NAVY FEDERAL CREDIT UNION (GA)

My XXXX and I have a joint checking account that we have had open since she was in high school. With her now working and using XXXX for her checks and banking needs she barely uses her Navy Federal account. I she her balances when I log in to my own account and when I see things are not right, I usually speak with her about it. I noticed that she was in the negative back in XXXX. She told me that she didn't have access to her account. She moved during the month of XXXX and was without her old cell phone and debit card and was not aware until I made mention of it. Upon her calling into Navy Federal they reset her account access, changed her address, and sent her a new card. Looking over the transactions, it looks like someone had her debit card and account number, was sending money to her account then going to the atm to remove the same money they sent to her account. You can see that whoever had the card, also knew her PIN number because it was a XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX. They would do an inquiry then withdraw the money. They used a XXXX XXXX XXXX she would only use Navy Federal banks or banks in conjunction with them so that she wouldn't receive fees. She literally has only been using this account for quick bill payments and/or family business. The bank has not been helpful with this matter at all, they reversed her temporary credit then deducted the funds from my account to make up for her account being in the negative. They recently sent her a letter saying that this claim was denied because they " feel '' she " benefited '' from these transactions. I have been calling them, going to the bank, and trying to get this resolved as we do not live together and she is young and not really sure of what to do. This has not only put a strain on our relationship, but it's driving a wedge between her and I. Additionally, I am behind on several bills and unable to get mandatory XXXX because the bank is continuing to jerk us around.
Consumer complaint received 2024-07-13
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: TransferWise Ltd ()

To whom it may concern, Hope this email finds you well. I have recently opened a Wise account to make a transfer to my friend in XXXX for my tuition fee, amount is XXXX XXXX. I have provided all information as per request, from Passport, face scan photo, income slip and my father bank statement. 

And the Wise team has approved my provided information and my money was on the way already. Then my account was deactivated again out of blue by the Wise team not so long ago. 

I am in a really critical situation and I need my money back ASAP as I have to pay my tuition fee in time and that was my saving and my family support. 

I am currently working in XXXX and I am originally from XXXX which is a very poor country and I cant afford to pay anymore if I cant get back my refund money from them. 
I will be looking forward to hear from you soon. 

Thank you. 



Best Regards, XXXX XXXX XXXX
Consumer complaint received 2023-07-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EdFinancial Services (IL)

My federal student Loans were discharged, based on a borrower defense application that was filed in XXXX. My Loans are suppose to be deleted from my credit file, permanently, within 90 days, which will be XX/XX/XXXX. I received an email from the Department of Education stating that my student loans were approved for discharge, then I received an official letter through the mail, stating that my loans were approved for discharge, and that They should be reporting a XXXX balance, or deleted all together, within the next 90 days, as of XX/XX/XXXX. 90 days will be XX/XX/XXXX. When I received the email, I printed it out, sent a letter to my Loan Servicer, and all 3 major credit reporting agencies. The only one that complied was XXXX. XXXX, and XXXX, still show balances, and The Loan Servicer, gave me some lame excuse, about not reporting a XXXX balance, as of yet, when I clearly sent them the proof, that my loans should be deleted.
Consumer complaint received 2023-05-22
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. (NC)

Unresolved Access Issues with Citibusiness Credit Card Account I am writing to express my deep concern and disappointment regarding the prolonged denial of access to my Citibusiness credit card online account. Regrettably, this issue persisted for over 30 days, rendering me unable to make timely online payments. 

Upon realizing the situation, I promptly contacted the customer service helpline in an attempt to rectify the problem. However, the representative I spoke with declined to process my payment and advised me to call back the following day. Subsequently, I followed their suggestion only to be instructed to call again on Monday. The frustrating cycle continued until I was eventually granted permission to make a payment on Monday. 

Additionally, I was informed that Citibusiness was undergoing a transition to another credit card, resulting in my inability to view my charges, access my account online, or make any payments. I must express my profound disappointment with this predicament, as I have yet to gain access to my account despite the considerable time that has passed. Such actions on the part of Citibusiness do not align with the standards I would expect from a valued business partner. 

It is essential for me to have access to accurate and up-to-date information regarding my account for financial planning and record-keeping purposes. 

Citibusiness did not take care of me, or my account. 

XXXX
Consumer complaint received 2024-09-14
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc. (CA)

On XX/XX/year> I received a notice from XXXX of a significant change to my credit score. XXXX XXXX had reported that I was delinquent for {$29.00} dollars for two months. I was unaware of the charge. I logged into their online portal to find that {$5.00} had been charged on XX/XX/year> to this credit card. There were late fees and charges which totaled {$29.00}. I made a payment immediately and called the creditor. I informed the creditor that I was unaware of the charges. I explained that the report that they sent to XXXX significantly impacted my credit score. They responded that there is nothing they can do. I informed the creditor that I would be filing a dispute with the credit bureau. After submitting a dispute the creditor - XXXXXXXX XXXX has out of spite lowered my spending limit. My spending limit was {$2500.00} and was lowered to {$750.00}. The creditor has not given me any adverse action notice. I was unware of the charge and now I am being railroaded. Please help.
Consumer complaint received 2024-09-11
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Kimball, Tirey & St. John LLP (CA)

The account was paid off by the XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX in XXXX. I informed the Company when they sent over the letter and sent them an email confirmation as proof of payment. But they still went ahead and reported the debt to XXXX and XXXX.
Consumer complaint received 2024-08-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MA)

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 2024-08-07
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. (MD)

Im in complete shock and disappointment after seeing inaccurate accounts show up on my credit report today. I check my report routinely, but todays discrepancies were completely unexpected. I even refreshed my browser to see if it was a temporary glitch, but the errors stayed. I need the documents Ive submitted to be carefully examined so I can stop worrying about this issue.
Consumer complaint received 2024-09-02
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: EVERBANK, NATIONAL ASSOCIATION (CO)

In XXXX, I made a timely payment of my monthly XXXX based on the XXXX statement because I had not received the current statement for XXXX. Apparently my estimated payment was short by {$130.00}. In XXXX, almost a month later, I got a phone call from XXXX that my payment was short. I agreed to pay the shortfall immediately and requested that the shortfall be flagged as an error on XXXX XXXX 's part for not getting me a statement and for taking a month to notify me. I was told no problem. They received the {$130.00} shortfall within 10 days but still reported me to the credit bureaus as a late payment. 
I have never had a late payment with this or any other loan in my life! 
The following month, XXXX, I was notified by the credit bureaus that I had an adverse credit report from my lender. I contacted XXXX XXXX immediately with an error acknowledgement notice. They failed to answer in 30 days per requirement, so I called and called and called and left messages to a totally unresponsive " Office of the Customer ''. I finally got a post dated letter saying, tough luck, we reported you late for a {$130.00}, nothing you can do about it. I have never been treated worse. I still need XXXX to reverse the error with the credit bureaus.
Consumer complaint received 2024-08-07
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. (MI)

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX
Consumer complaint received 2023-03-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: U.S. BANCORP (NY)

Around five years ago, I opened a checking and savings account with U.S. Bank. However, I have since moved to a city where no U.S. Bank branch is available. As a result my account became dormant. However I intend to keep my account open, in case I need further service from U.S. Bank. At their customer service agent 's suggestion, I set up a monthly transfer to prevent my account from going dormant again. This has worked well for multiple years. 

In XX/XX/2023, I noticed I was suddenly charged a " XXXX XXXX XXXX '' of XXXX dollars. I immediately contacted U.S. Bank. The customer service agent reassured me that they reactivated my account, and they will refund the service charge. I asked them to close my account, but they reassured me that the service charge will not happen again, and I can not close my account before the reactivation is fully processed in a day or two. 

In XX/XX/2023, however, I was charged the same fee again. I immediately contacted U.S. Bank again. The customer service agent reactivated the account again, and reassured me the service charges will be refunded. 

In XX/XX/2023, I noticed the service charges have not been removed. I contacted U.S. Bank again, and they told me the account has been reactivated successfully, but they can not refund the service charge. I asked to speak with a supervisor, but they claimed one is not available, but will give me a call back. I never received such call. 

I contacted U.S. Bank again, and the agent submitted a request to get the service charges refunded. I asked for a reference number but she couldn't provide any. 

It has been a week and the refund still has not happened. Therefore, I hereby submit a complaint, hoping for a fair resolution.
Consumer complaint received 2024-06-19
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: EQUIFAX, INC. (CA)

While checking my personal credit report, which I acquired from XXXX, Equifax. I noticed an unauthorized inquiry made by your company XXXX XXXX XXXX on XX/XX/year>, and XXXX XXXX XXXX on XX/XX/year>. I did not authorized anyone employed by your company to make an inquiry and view my credit report. You have violated the Fair Credit Reporting Act Section 1681b ( c ). You are not legally entitled to make the inquiry. This is a serious breach of my privacy rights. I request that you either mail me a copy of my signed authorization form that gave you the right to view my credit within five ( 5 ) business days so that I can verify its validity.