davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-16
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: JPMORGAN CHASE & CO. (PA)

Dear Consumer Financial Protection Bureau : Hello! 

I am writing this complaint against Chase Bank. I have a credit card with them. 

I called Chase bank this afternoon, Wednesday XX/XX/2024. My call was in regards to a phishing charge I received via email from XXXX XXXX. The charge was allegedly for a XXXX security yearly charge. 

I DID NOT make this charge to my account, either online or at a physical location. 

I first spoke with a Customer Service Representative named XXXX ( phonetically spelled ). I told him my concern of a possible charge of {$410.00} being charged against my credit card acount. He looked up my account and said that as of the time I was speaking to him, around XXXX XXXX XXXX XXXX XXXX said as of today there was no charge of that amount. I asked him to put a note/alert on my credit account so they would know this was fraud. The phishing email said this would be posted to my account within 24 hours. I wanted Chase to be aware of my concern NOW ... not 24 hours from now!! He said he would have a representative from Chase 's CFG department help me and transferred me to that department. 

I then talked to XXXX from that department. She asked if I opened any links from an XXXX XXXX. I said yes, but not to a PDF link. 

She suspected this was a Phishing email. She said I could update my account through the Chase 's mobile app. i told her I do not do Mobile banking. She then wanted access to my computer and phone to verify my identity. I declined. I told her all I wanted to do was to have Chase put an possible alert on my credit account/ file that if they receive a charge of that amount, Chase would know that their customer /client alerted them of a Phishing charge /unauthorized charge and would erase that charge from any bill., to let them know that I have brought it to Chase 's attention and that I would dispute it. XXXX, the Consumer Fraud rep, declined to do that. All she kept saying was to update my mobile app. And I kept telling her that I do NOT do online banking! 


I asked XXXX, the Chase Consumer Fraud rep, if I could speak to a supervisor. She said she was a supervisor. I asked to speak to her supervisor, she declined. I told her I was going to call a Fedferal agency and hung up. 

I was NOT happy with Chase Bank. I have been a customer with them over 5 year. My experience with them this afternoon has been very poor. 

I wouldl appreciate any help from the CFPB in this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-10-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC. (SC)

They froze my account pending closure and completion of their investigation for a unnamed violation after depositing a {$19000.00} on XX/XX/year>. I made four transactions when {$2000.00} was made available on XXXX XXXX the rest of my funds were frozen on the next day without explanation. I was told that the investigation would take 4 days and it is now been almost 2 weeks.
Consumer complaint received 2024-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am writing to formally express my concern regarding the inaccuracies in several accounts listed on my credit report, which I have previously disputed multiple times. Despite my ongoing efforts and requests for a thorough investigation, these issues remain unresolved, causing significant damage to my credit file and affecting my ability to live a normal life. 

The erroneous information continues to negatively impact my financial standing and has resulted in severe hardships. I kindly request that you conduct a prompt and detailed investigation into the reporting of each disputed account and take the necessary steps to rectify and update my credit report without further delay. 

Restoring the accuracy and integrity of my credit file is crucial for regaining control over my financial well-being. I sincerely urge you to prioritize this matter and take swift corrective action. 

Thank you for your immediate attention to this issue. Your support in resolving it promptly will be greatly appreciated.
Consumer complaint received 2024-09-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Dear Sir or Madam, I am writing to formally dispute inaccuracies in the credit reporting by multiple creditors and credit reporting agencies following my XXXX  XXXX bankruptcy discharge. Despite previous attempts to rectify these issues directly with the credit bureaus and the creditors involved, the discrepancies remain, affecting my credit unfairly. 

Discrepancies Noted : XXXX XXXX - The account status varies across reports, impacting the consistency of my credit history. The account should uniformly reflect " Discharged through Bankruptcy XXXX XXXX '' to accurately represent the legal status of the account post-bankruptcy. 

XXXX XXXX  - Although the discharge through bankruptcy is noted, the details surrounding the closing and last payment dates need verification and correction to match the records of my bankruptcy discharge documentation. 

XXXX XXXX XXXX - The reported information, though updated, still shows inconsistencies in the rating and account status post-bankruptcy, suggesting an error in how these details are recorded and reported. 

XXXX XXXX - Similar to other accounts, the updates made post-dispute do not reflect the uniform status of " Discharged through Bankruptcy XXXX XXXX '' across all reporting agencies. 

Requested Actions : Uniform Reporting : I request a thorough review and the uniform update of the status of all accounts involved to reflect " Discharged through Bankruptcy XXXX  XXXX '' across all credit reports ( XXXX, TransUnion, and XXXX ). 

Verification and Adjustment : All accounts should be verified against the bankruptcy discharge documentation, and any discrepancies should be corrected to ensure accurate reporting. 

Written Confirmation : I request written confirmation from each creditor involved detailing the actions taken to address these discrepancies, including a confirmation that all credit bureaus have been notified of the correct status. 

Credit Report Updates : I seek assistance in ensuring that the credit reporting agencies expedite the update process and provide me with updated copies of my credit reports at no charge to confirm these changes.

Documentation for Records : It is critical that I receive formal documentation from each creditor confirming the resolution of these discrepancies for my records. 

Enclosures : Copies of bankruptcy discharge documentation. 
Relevant sections of credit reports highlighting the discrepancies. 
Previous correspondence with creditors and credit bureaus regarding these disputes. 
This matter severely impacts my financial well-being and creditworthiness. I trust that the CFPB will assist in resolving these issues promptly and fairly. Thank you for your attention to this serious concern. 

Sincerely,
Consumer complaint received 2024-09-27
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. (LA)

After carefully reviewing my most recent credit report, I noticed that several accounts were added that I have zero knowledge of. I did not give permission to use my signature or authorization to any of these credit reporting agencies. Here are the accounts : XXXX XXXX XXXX Original Creditor 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 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 TransUnion  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 TransUnion XXXX XXXX XXXX XXXX XXXX XXXX TransUnion 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion 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 TransUnion
Consumer complaint received 2024-10-25
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: AMERICAN EXPRESS COMPANY (HI)

I am writing to dispute XXXX unauthorized hard inquiries on my XXXX credit report. The inquiries were from : AMEX on XX/XX/year> XXXX XXXX XXXX on XX/XX/year> XXXX on XX/XX/year> I did not authorize or consent to any credit applications or transactions with these entities that would warrant a hard inquiry on these dates. I have contacted each of the companies to request a removal of the inquiries, but I have not received a satisfactory resolution. These inquiries have negatively impacted my credit score, and I am requesting that the Consumer Financial Protection Bureau assist in addressing this matter and facilitate the removal of these unauthorized inquiries from my credit report. I have contacted XXXX and they have not validated or given me any proof of my authorization. 

Thank you for your assistance.
Consumer complaint received 2024-07-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2024-09-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A. (MA)

When switching phone carriers, Citibank locks you out of account access until further notice. I recently switched phone carriers and am now unable to log in to any of my checking/credit card accounts on any device. I called citibank and they said that the account gets flagged when switching phone carriers. I need to access my account to pay rent and other bills and citibank refuses to give me access back.
Consumer complaint received 2024-10-25
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (KY)

When I contacted the company ( MyBestBuy Citi Bank ) they told me my account was created in XX/XX/XXXX, but I had charges as far back as XX/XX/XXXX. When I set up the account in store, the employee had helped me sign up, & was the only reason I did sign up. He told me there was a promotion going on where you only pay {$30.00} a month for 12 months then start paying the actual fee. Turns out after the 12 months thats when interest rates are applied. That was never informed to me. The date they applied the interest ( XX/XX/XXXX ), they did not send me an email, statement, or anything informing me of this change. Every other month I normally receive a statement, but on the date my promotion ended, no statement was ever sent. The dates I was charged any interest, I was never notified. I got charged interest on multiple dates without my knowledge ( I have a paper copy of every single thing involving this whole ordeal ). They claimed they sent me notifications of this. Because of this claim, I personally printed every single thing I had around this case to try to show them I was never informed ( I mailed this to them ), & they literally told me over the phone they were not going to read through the packet I sent them. Even when I tried going through everything, I couldnt find anything on my actual promotions, end dates, or anything. When I told them of this they ignored me. Everything I tried to do was just trying to figure out why I wasnt notified, & their constant claim was that they did notify me. Originally I did not know this was a credit card I was signing up for, I thought it was a promotional plan by the company. If I would have known, I wouldnt have signed up with them. But even after that, if I would have been notified about the promotional plan ending, I would have paid my bill off in full, since again, I was unaware it was a credit card that I was using. The way they described the plan to me was not what it turned out to be. They described it more of a payment plan rather than a credit card.
Consumer complaint received 2024-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I received a copy of my credit report and found the following items to be " INACCURATE ''. 

1. INACCURATELY REPORTING XXXX Account number:XXXX VERIFY ACCURACY WITH ORIGINAL CREDITOR 2. INACCURATELY REPORTING XXXX XXXX Account number : XXXX VERIFY ACCURACY WITH ORIGINAL CREDITOR 3. INACCURATELY REPORTING XXXX XXXX XXXX XXXX Account number:XXXX  VERIFY ACCURACY WITH ORIGINAL CREDITOR 4. INACCURATELY REPORTING XXXX XXXX XXXX  Account number : XXXX VERIFY ACCURACY WITH ORIGINAL CREDITOR 5. INACCURATELY REPORTING XXXX XXXX XXXX XXXX  Account number : XXXX VERIFY ACCURACY WITH ORIGINAL CREDITOR 6. INACCURATELY REPORTING XXXX XXXX  XXXX  Account number ; XXXX VERIFY ACCURACY WITH ORIGINAL CREDITOR 7. INACCURATELY REPORTING XXXX XXXX XXXX Account number : XXXX  VERIFY ACCURACY WITH ORIGINAL CREDITOR By the provisions of the Fair Credit Reporting Act, I demand that these 'ALLEGED '' items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I also request that you please send notices of corrections to anyone who received my credit report in the past six months.
Consumer complaint received 2024-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Statement of Fact : Congress found that the purpose of the Fair Credit Reporting Act ( FCRA ) is to require that consumer reporting agencies ( e.g. XXXX, XXXX  and XXXX ) adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance and other information in a manner which is fair and equitable to the consumer. 
. 




XXXX Facts : XXXX is aware and has proof in the attachment labeled as Exhibit B. XXXX XXXX XXXXXXXX Account XXXX XXXX is in violation of several laws in regard to how they are reporting and are stated as follows : 15USC1681-A 15USC1681s-2 15USC1681a 2 ( A ) ( i ) 15 USC 1681e ( b ). 


The inaccurate reporting of both my account status and payment status by XXXX XXXX  XXXX Account XXXX XXXX is causing harm to my credit reputation and financial standing. 

All items listed in Exhibit B are invalid, inaccurate, not timely and carry no documented evidence, it is damaging to my character, creditworthiness and well being by falsely stating those non compliant unverifiable accounts on my report.
Consumer complaint received 2024-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

RE : Violation of U.S. Code Law ( TILA 15 U.S. Code 1666 ( b ) - Billing Error ) Upon reviewing my credit report, I noticed multiple billing errors that violate 15 U.S. Code 1666 ( b ) : To Whom It May Concern, ( a ) Time to Make Payments : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late unless they have adopted reasonable procedures to ensure each periodic statement, including the information required by section 1637 ( b ), is mailed or delivered to the consumer not later than 21 days before the payment due date.

( 4 ) Failure to Reflect Payment : The creditor failed to properly reflect a payment or a credit issued to me.

( 5 ) Computation Error : There is a computation error or similar accounting error on the creditors statement. 
Since the creditor did not notify me 21 days before the payment due date, there should be no late payments on this account. I demand solid proof from the creditors bank account showing that I did not pay and was marked latethis is a billing error. The items below must be updated to " paid as agreed '' on my consumer report : XXXX - XXXX This account is PAID on time and PAID as agreed! This is a violation of 15 U.S. CODE 1666B. It was never too late, so delete this 30-day late remark from the payment history. 15 USC 1681b ( a ) ( 2 ) - Permissible Purposes ( 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 written instructions of the consumer to whom it relates. Again, remove this 30-day incorrect late remark and update it to pay as agreed, or DELETE it entirely from my report.
Consumer complaint received 2024-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXXXXXX XXXX account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Consumer complaint received 2024-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2024-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Recently checking my credit report I noticed that I've been a victim of identity theft and found numerous credit inquiries I have no knowldge of hereare the inquiries that I've found : XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX, Please remove these fraudulent inquries from my credit report. I also attached my identity theft report as well.
Consumer complaint received 2024-09-27
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. (DE)

I reviewing my cosurmer reporting credit I discover some instances of late payment on my account for XXXX I have always maintained on timely payment consumer roporting agencies play a crucial role in accurately reporting consumer information I demand those late payment removed them from my account please thank you
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (AZ)

I recently reviewed my credit report and noticed an account that was not reporting accurately. I had one late payment on an account that was in fact paid on time. The consumer reporting agencies have need to report all information with complete accuracy. This account has not been late on payment, Ive attached a copy of my report to this compliant. I'm now requesting you investigate and provide verifiable proof with records showing that I had late payments. If this information can not be verified I demand these payments be updated to paid on time immediately. Thank you for your understanding and prompt action. 
Account XXXX XXXX XXXX