davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MD)

I reviewed my credit report and noticed that my report has violated my federally protected consumer right to privacy and confidentiality under 15 USC 1681. Given the inaccuracy and the significant impact on my financial well-being. I demand the removal of all inaccuracies. This misreporting violates section 623 ( a ) ( 1 ) ( A ) of the FCRA. Equifax data breach. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-15
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. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-08-13
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Incorrect information on your report — Account information incorrect
Company: Shellpoint Partners, LLC (CA)

On XX/XX/year> I filed a dispute with XXXX Contesting that my account with Shellpoint Mortgage servicing was incorrect. On my credit report it showed a balance of {$110.00}. This loan was paid off on XXXX. 
On XXXX XXXX Shellpoint filed a 30 days late payment with XXXX and XXXX. This tanked my credit rating, score dropped about 120 points. They didn't file it with XXXX, the XXXX I filed the dispute with. 
Since that time Shellpoint started billing me with so called " fees '' that I have to pay. I think that if I don't pay. they will file more late notices with XXXX 's. Until they completely ruin me. I depend on having exceptional credit being self employed. 
Shellpoint has to be the worst financial company in the XXXX. They lie, cheat, steal. I asked Shellpoint to close this account on XXXX with a payment of {$45.00} for " fees ''.
Consumer complaint received 2024-08-13
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: LEXISNEXIS (CA)

I am writing to follow up on my recently closed complaint, XXXX, regarding LexisNexis. I'm deeply concerned that the information provided by LexisNexis in response to my complaint is contradictory and misrepresents the facts. 

On XX/XX/year>2024 LexisNexis provide a response to the CFPB stating that my information was unverifiable. However, I have a letter from LexisNexis dated XXXX XXXX, 2024 which explicitly states " We have reviewed the information from our bankruptcy records and determined the data being reported as unverifiable. The data in question has been removed and our files have been updated. '' This letter clearly shows that LexisNexis found the data to be unverifiable and removed it from their records. Despite this, they failed to disclose these findings in their response to CFPB, which ultimately led to my complaint being closed on the grounds that my claim was not verified or authenticated. 

LexisNexis sent me a packet of letters in one envelope disputing the bankruptcy on my behalf with XXXX dated XX/XX/XXXX, XXXX dated XX/XX/XXXX and XX/XX/XXXX and XXXX dated XX/XX/XXXX. However I contacted all three credit reporting agencies on XX/XX/XXXX an XXXX 2024 which all confirmed they haven't received any correspondence from LexisNexis. There is nothing on file of such dispute.

This misrepresentation by LexisNexis has caused significant damage to my credit and character over the last six years. I have disputed this information numerous times during that six year timeframe. LexisNexis has repeatedly provided misinformation or falsified information, which has directly resulted in embarrassment, multiple hardships, decline of credit and damage to my character.

Please see attached letters
Consumer complaint received 2024-08-13
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (FL)

While booking a flight on XXXX XXXX, i was bombarded on every screen about a credit card offer. The offer said that if approved for the card, you would get a {$250.00} statement credit towards the purchase of that airline ticket. I applied, was approved and then they did not give me the number for the card in order for me to be able to purchase the flight. I spent HOURS on the phone with all departments from Citi and was transferred around, lied to and hung up on. Multiple people told me i was supposed to get this temporary number and kept transferring me to " the correct department ''. After becoming frustrated with no one helping me, i gave up. I have now lost out on the flight and seats I wanted at a specific price, AND i wasted a hard inquiry on my credit report for this nonsense. This is a blatant false advertising and bait and switch fraud.
Consumer complaint received 2024-08-10
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (FL)

Chase is refusing to credit my account {$XXXX}. The following is what I have done to resolve this problem. However Chase refuses to give me my money. 
My Chase statement of XXXX XX/XX/year> showed a credit of {$XXXX}. Chase did not subtract the {$XXXX} from my balance. 
XXXX XX/XX/year>, I wrote a letter to Chase notifying them they failed to credit my balance {$XXXX}. 
Chase sent me a letter dated XXXX XX/XX/year> stating they credited my account for the full disputed dollar amount. 
I receive my statement dated XXXX XX/XX/year> & the {$XXXX} has not been credited to the balance. 
XXXX XX/XX/year>, I wrote a second letter to Chase notifying them they failed to credit my balance {$XXXX}. 
Chase sent me a second letter dated XXXX XX/XX/year> stating they are researching the dispute. 
Chase sent me a third letter dated XXXX XX/XX/year> stating the merchant 's name on the credit is different from the merchant name in my dispute. I have no idea what Chase is looking at because the name of the dispute is identical on my correspondence as well as Chase 's correspondence. 
I receive my statement dated XXXX XX/XX/year> & the {$XXXX} has not been credited to the balance. 
XXXX XX/XX/year>, I wrote a third letter to Chase notifying them again they failed to credit my balance {$XXXX}. 
Chase sent me a second letter dated XXXX XX/XX/year> stating they are researching the dispute.
Consumer complaint received 2023-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX - XX/XX/2012 XXXX U.S.C, 1681section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-08-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: ALLY FINANCIAL INC. (TX)

I just created an account with Ally Bank only for them to approve me and to run into trouble as soon as I am approved their profile creation wasn't working so then I had to call Ally Bank and wait on hold for about an hour before I could get in touch with someone only for them to call me back 2 hours later and finally I could create me a profile only they had to do it because for some reason I couldn't do it on my own after that I ran into trouble with their XXXX not working for me to be able to transfer funds into the account because of course they don't offer virtual debit cards " okay I'm fine with that '' however their XXXX wasn't working so I ended up having to use my cash app to wire transfer funds into the account and that took another whole couple of minutes because I didn't know the routing number or account number and I had to look it up online after all this I was talking to someone on customer service mentioning all the problems I had and they had contacted someone about changing my password apparently and now I got locked out of my account because of too many tries so now I have trouble verifying my information because their system is incapable of knowing my name which is very simple and now I'm stuck with money I transferred into the account but now I have no money for bills and there's no telling when they'll get back to me not to mention I'll still have to wait for them to send the debit card. this is XXXX ridiculous it's outrageous they want me to verify with what exactly I'm XXXX XXXX XXXX I don't even have a job yet and they can't just listen to my information that I can give to them so what do I do this is very unprofessional for a bank
Consumer complaint received 2024-08-10
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: ROBINHOOD MARKETS INC. (TX)

Robinhood restricted my account for no reason and will not let me withdraw my money. I verified my account with selfie and identification. Then they made me do it again and asked for bank statement. I provided all of this. They have no way to call them and they are doing this to many people. I need help getting my money back please. They are using the excuse that I need to have a bank statement for my debit card in addition to my checking account. There is no such thing at my bank, which is XXXX XXXX The bank card is attached to the checking account and that is the only statement I can provide.
Consumer complaint received 2024-08-10
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: JPMORGAN CHASE & CO. (FL)

On XX/XX/year>, I discovered that WePay had frozen my business funds totaling XXXX without any prior notice or explanation. My agency, which exclusively serves XXXX clients, relies heavily on these funds to operate and meet financial obligations. 

Upon realizing the issue, I immediately attempted to contact WePay, only to discover that they do not have a phone number for customer support. All communication is restricted to the submission of tickets, making it nearly impossible to get timely assistance. Out of desperation, I visited my Chase bank branch, hoping for a resolution, but they were unable to help. They informed me that while WePay is associated with Chase, it operates separately, leaving me in a confusing and frustrating situation. This lack of coordination is baffling, especially given Chases heavy promotion of its small business services, which was a major reason I moved my operations to Chase in the first place. I specifically chose Chase because of its inbuilt invoicing system, which I now realize is managed by WePay, yet they have no direct way to assist me in accessing the funds that I need to operate my company. 

In compliance with their requests, I promptly provided the following : Last three months of bank statements Receipts for all my invoices Correspondence with my clients Despite countless tickets submissions, full cooperation and submission of all required documentation, both WePay and Chase have failed to provide any justification for the continued withholding of my funds. Moreover, they have not communicated any next steps or provided a timeline for resolution. 

This unexplained freezing of funds has had a devastating impact on my business, causing severe financial strain and preventing me from fulfilling my commitments to clients. Despite multiple visits to my Chase branch, I am told that all resolutions must be handled through WePay, leaving me with no clear path forward. 

As of now, my funds remain unjustly frozen without any explanation or resolution in sight, critically undermining my ability to operate my business and meet my financial responsibilities. 

This version emphasizes the severity of the situation and the impact on your business, making it clear that immediate action is needed.
Consumer complaint received 2024-08-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: CITIZENS FINANCIAL GROUP, INC. (OH)

In XXXX of 2023 we missed a mortgage payment. We then entered into a repayment plan in XXXX of 2024. All payments for the repayment plan were on time and can be proven with bank statements, confirmation numbers, phone call logs, company website, and letters from the company. The repayment plan was set to end in XXXX. When we went to pay our mortgage in XXXX the lender stated we owed them XXXX times the amount of our mortgage due to the fact that we didnt pay for XXXX or XXXX and the repayment plan was nullified. We have been in communication with the lender since XXXX of 2024 trying to get this issue fixed but they are saying they didnt receive our payments even though our bank shows they took the money. Now that we are having this issue they will not let us pay our mortgage for XXXX or XXXX until we pay for XXXX and XXXX.
Consumer complaint received 2024-08-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: TRUIST FINANCIAL CORPORATION (GA)

I sold my house ( using a law firm ) on XX/XX/year> and received my payment same day via wire transfer to my Truist checking account. I immediately started spending a lot of my money on debts and goods online using my Truist debit card and bank account. I got a fraud notification which I expected and got in contact with the Truist fraud department and told them what was happening, proved my identity, and everything was cleared. The fallowing day I tried to spend my money again and was again flagged. I spoke to another representative and proved my identity and was once again cleared. Later I went to use my Truist debit card at a store and it was declined. I called Truist again and they said they unfroze my card, but they did not. I called again and was told my debit card and bank was frozen and they have to investigate. I asked many times what the time frame was and what I could do. They said they can not tell me a time frame and they can not help me. I called again, they said it was clear, it was not. I called one more time and was told they can not tell me anything and to go to my local branch, which I did. I gave them my ID, Social Security card, birth certificate, and half a dozen more forms of ID. The gentleman was very helpful and said I have plenty of ID to know it's not fraudulent. Unfortunately, he was given the same runaround as me. No mention of time frame of resolution. No contact given. Nothing. I have no access to my money. No one can help me figure out when and is offering me no solution. I can not get gas, food, or pay bills. I can not get cash or anything. I'm left in the dark with no explanation and locked out of 100 % of my money.
Consumer complaint received 2024-08-09
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO. (MO)

I applied for a Chase Southwest airline card after receiving a mailed solicitation to me saying I am prequalified for the card. I applied for the card. 

Then the card company replied on XX/XX/year> with a reference number XXXX and said they suspected someone had stolen my identity and denied my application, and asked me to call them at XXXX. I tried calling several times, and each time I provided my Social Security number, the phone system automatically disconnected the phone. It's already programmed to do that.

They also asked me to check with a credit agency. I checked with two of them and found no issue with my credit report and the score XXXX  being XXXX ( XXXX ) and XXXX ( XXXX ). 

Not only has the firm denied my card application with an excuse, it has also blocked me from contacting them to resolve the issue, with the way their system is set up to block me.
Consumer complaint received 2024-08-09
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: U.S. BANCORP (OH)

I received a text from my U.S. Bank Visa credit card asking if certain transactions were made by me. I immediately said no. They then called me within seconds and we went through the transactions that I did not make. They appear to be for rent to XXXX XXXX XXXX  for {$350.00} on XX/XX/year>, XXXX XXXX XXXX for {$240.00} on XX/XX/year>, XXXX XXXX for {$260.00} on XX/XX/year>, XXXX XXXX for {$75.00} on XX/XX/year> and XXXX XXXX XXXX  XXXX  XXXX  for {$250.00} on XX/XX/year>. These are all in the XXXX, XXXX area. I live in XXXX, XXXX. 

I waited for the credit card company to research the fraud and received a letter dated XX/XX/year> that the transaction for XXXX XXXX XXXXXXXX XXXX XXXXXXXX benefitted me in some way. I then called to be given multiple different reasons why it could have been, but no concrete evidence. I requested the evidence be mailed to me so I could file a police report. That was on XX/XX/year>, and I still have not received any documentation. 

I have a feeling that they are going to do the same things with the other charges, since they are all similar in nature. I have never lived in XXXX and can prove I was in XXXX, XXXX  when the charges were made as was my family.
Consumer complaint received 2024-08-08
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings (TX)

IQ DATA HAS BEEN REPORTING A FALSE/INACCURATE DEBT ON MY CREDIT REPORT FOR 5 YEARS. I have disputed this and requested debt validation, itemized list of charges, statement balance, amount IQ DATA paid for the debt & proof of interest accrued & have received no response.

I have both called in directly to IQ DATA & have sent numerous disputes & requests for debt validation to them over the course of 5 years. I have never been provided these requested documents or debt validation.

IQ DATA, by law, has had a window of time to respond to these requests & they have chose to blatantly disregard my requests. 

Upon speaking to a direct agent at IQ data, the agent could not provide a debt validation letter per my request nor could he provide any amounts, charges, interest information when asked. The representative claimed that he received information from the alleged original creditor, and when asked to submit that information to me, the representative stated that he could not do that. 

The amount of this debt has been reported at various different amounts over the years. The amount is Lowered & then raised again which indicates inaccurate reporting.
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.