davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-03-23
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: JPMORGAN CHASE & CO. (WA)

Chase Bank refuses to send a debit card to my address of record in retaliation for filing a previous complaint lodged against a branch manager at a XXXX, Washington office. The XXXX branch manager had refused opening a checking account based on my race : He did not accept the reality there were XXXX living in former XXXX only areas. 

Its banking representatives offer excuses rather than solutions. Back on XX/XX/2017, there was a bank request for a debit card with a seven to ten day estimated time of arrival. It did n't arrive by regular postal mail by XX/XX/2017, so it was necessary to call telephone banking to resolve the issue ; especially, since the building of residence has controlled access points, and the personal mailbox key belongs to the bank account holder. After speaking with XXXX customer service representatives by telephone, neither of whom were willing to provide any written documentation regarding the debit card, it was necessary to visit the local branch office. 

On XX/XX/2017, the helpful branch manager at the XXXX, Washington location ordered another card by XXXX 2 day expedited delivery with an expected arrival date of Monday, XX/XX/2017. The debit card never arrived. It was necessary to contact telephone banking services on both XXXX and XX/XX/2017 and express dissatisfaction with customer service because someone had intercepted the bank card during transit. A banking representative person in charge first stated the bank did not re-send the debit card to the address on record because of the account was less than 30 days old and it was bank policy not to send XXXX cards to the same address. When told neither the first nor the second bank arrived to the address on record, another banking representative claimed there was a change in address and the bank not be able to send a debit card for thirty days. I adamantly demanded to know who placed account restrictions and for what reasons because someone had internally flagged it ; in addition, I demanded to know what party made an unauthorized change of address without either my knowledge or consent because since I had made none. Then it was necessary to tell the banking representative person in charge that Chase bank will not send a debit card to my home address of record because it was participating in racial discrimination. 

Although both XXXX and XXXX have validated the address on file with Chase, the bank still refuses to send the debit card because of a previous negative encounter with the XXXX branch manager who made an internal complaint flagging the account for suspicion of fraudulent activity based on his claim the address on file was not valid. The branch manager had acted in a vindictive manner in retaliation for filing a formal complaint of racial discrimination with Chase executive offices.
Consumer complaint received 2024-10-19
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: CITIBANK, N.A. (TX)

I opened a 11 month CD at 5.25 % APY with Citi in XX/XX/year>. All transactions to open were done online with my XXXX XXXX account as a funds source. When the XXXX matured and the 7 day grace period to renew or withdraw came, the web and mobile site only had an option to renew at a lower rate 3.5 % for 11 months. This lower rate was not acceptable to me. I called and the agent stated that I can not get funds transferred to an external account over the phone. He suggested calling the XXXX XXXX  phone number to open an account and have funds transferred to that account or visit a branch location on Monday. I can not visit the branch on a weekday as I work during bank hours 1 hour away from the closest branch. I renewed for 5 months at 4.5 % to buy more time until I can make time to go to the branch on a day off work.If I had known that withdrawing would be much harder than depositing, I would not have opened this account.
Consumer complaint received 2024-10-28
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: Experian Information Solutions Inc. (FL)

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c2 ), that you, The XXXX, XXXX, and Experian credit reporting agencies, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of personal credit card accounts opened and collections accounts opened. These accounts have resulted in fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of all accounts and inquiries in question as well as a copy of the fact that my personal information was impacted by the XXXX XXXX XXXX. I do not recognize the aforementioned accounts, collections, or hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. 

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 XXXXXX/XX/XXXX
Consumer complaint received 2024-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  was never late! I have had exceptional payment history with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in months that are reported late to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( 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 for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports
Consumer complaint received 2024-10-19
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Paramount GR Holdings, LLC (CO)

I originally took out a 25-year, fixed-rate loan with GoodLeap ( GL ) for the purchase of our solar panels. The loan originated in XXXX  with our first monthly installment auto-deducted on XX/XX/XXXXXXXX  ( all term payments are auto-deducted ). 

The monthly payments were fixed at {$82.00}, contingent on us as the borrowers reaching our 'target loan balance ' by the scheduled due date. My wife and I met the target loan balance several months ahead of schedule. The target loan balance was an accelerated paydown balance reached by applying the anticipated government-issued solar panel tax subsidy towards the outstanding principal loan balance. This Target Loan Balance and date can be seen on the Account Summary Page attached. 

On XX/XX/XXXX, I received our new billing statement from GL ( for our XX/XX/XXXXXXXX  payment ) and noticed the term payment increased to {$84.00} ( an increase of {$2.00} ). This was a large increase, but I called GL to understand what caused the increase as we are on a fixed-rate loan and we were well under our target loan balance. The rep agreed my payment should have increase due to those factors, but had no explanation for the increase. The rep took my contact info and stated they would have someone get a hold of me to explain the change and/or correct it. 

On XX/XX/XXXX, GL management got involved and XXXX XXXX ( Loan Servicing Supervisor ) has sent me periodic emails stating they are working with their Investigations team to identify the issue - no results provided. 

On XX/XX/XXXX, XXXX stated they believe their Engineering team has identified the problem for the different payment amounts and are working on a solutions to resolve all loans affected - no results provided. The last email received from XXXX ( GL management ) was on XX/XX/XXXX stating they are still reviewing my account and expect a resolution shortly. 

This issue is not the increased amount itself, as it is marginal. The issue is GoodLeap management notated there is an issue, it has potentially affected more loans than mine, and there has been no resolution or explanation of the issue for over six months now.

If the extra {$2.00} being charge to my account every month is going towards our outstanding principal amount, that's fine. However, if the extra {$2.00} is some random glitch, or worse yet- some insidious scheme, and hundreds or thousands of borrowers are being overcharged, then there's a serious issue. 

I have billing statements, documented emails, and a communications log created to track our emails with GL to show a timeline.
Consumer complaint received 2024-10-19
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: WELLS FARGO & COMPANY (NJ)

Subject : Request for Reinvestigation and Removal of Charge-Off Account # [ XXXX XXXX ] To Whom It May Concern, I am writing to dispute the accuracy of a charge-off listed on my credit report under the account # [ XXXX XXXX ]. I have received a 1099-C form for this account, indicating that the debt was canceled. According to the Internal Revenue Code ( IRC ) 6050P, a 1099-C form is issued when a creditor cancels a debt of {$600.00} or more. This means the debt has been legally forgiven and should no longer be reported as a charge-off. 
Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ), I have the right to dispute any information on my credit report that I believe is inaccurate, incomplete, or unverifiable. As the debt has been canceled and a 1099-C form has been issued, the reporting of this charge-off is both inaccurate and misleading. 
I request that you conduct a reinvestigation of this matter under FCRA 611 ( a ) ( 1 ) ( A ) and remove the charge-off from my credit report. If the information can not be verified, it must be deleted from my credit file according to FCRA 611 ( a ) ( 5 ) ( A ). 
Please provide me with written confirmation that this item has been corrected and removed. If you are unable to verify the accuracy of this information, it must be deleted from my credit report as required by law.
Consumer complaint received 2017-03-28
Product: Credit card — 
Issue: Delinquent account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I live in an area affected by XXXX in XX/XX/XXXX. Although my own home thankfully suffered only minor damage as a result of the storm, our entire region experienced hardship for weeks and months afterwards, including roads blocked in many places by fallen trees, power outages, lost work and business, gasoline shortages, cancelled school and school buses, and more. As you can imagine, this had significant effects on my personal finances at the time. Due to a combination of personal hardships we were already delinquent on this and other accounts at the time, and we now struggled even more with our credit card payments. 

( It took us several months to get back on our feet but when Bank of America offered a settlement in the XX/XX/XXXX we stretched ourselves and neglected other bills to make the sizeable installment payments and close out this debt. ) Bank of America reached out to us shortly after XXXX offering special payment accommodations and fee waivers for customers in affected areas for several months ; however, Bank of America is now reporting delinquencies to the credit bureaus for the months after XXXX. 

In addition, the total balance that Bank of America is reporting for this account includes late fees and other charges that were improperly assessed in the period following XXXX.
Consumer complaint received 2024-10-04
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. (IL)

XXXX XXXX XXXX, XXXX Date opened : XX/XX/XXXX Original balance : {$18000.00} Status : Closed. {$11000.00} written off Status : updated XX/XX/XXXX Joint loan between myself and Ex-wife. She took the vehicle and failed to pay the loan. The vehicle was repossessed ( I assisted in locating the vehicle ). That Vehicle has since been resold, the loan the balance charged off, and sold the balance to a collection agency.and I have to deal with them as well
Consumer complaint received 2019-12-04
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: Experian Information Solutions Inc. (CA)

I went to rent a car at XXXX today XX/XX/19 and when they checked my credit since it's a requirement to rent a car there, they told me that I would be unable to rent a car because there are accounts and inquiries reflecting badly on my credit report. None of those accounts/inquiries belong to me nor did I allow anyone to open them in my name using my personal information. I did not benefit anything from these accounts such as money, services, goods or any other benefit and I have never made any purchases or payments towards any of these accounts. I do not have any sort of relationship or contract with any of these companies and I never gave them permission to run or view my credit/personal information. I have already gone to file a police report regarding this very serious matter.
Consumer complaint received 2024-10-21
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: Chime Financial Inc (TX)

Dear CFPB, I am writing to file a formal complaint against Chime regarding an unresolved issue with an unauthorized transaction on my account. Below are the details of the situation : Claim ID : XXXX Account Number Ending : XXXX Dispute Type : Debit - Unauthorized Transaction Claim Amount : {$280.00} Date Error Reported : XXXX Chime has denied my claim, stating that their investigation found no error and, as a result, no funds will be credited to my account. However, I believe this decision is incorrect, as I did not authorize the transaction. I have not been provided sufficient evidence or details as to how they reached this conclusion, despite requesting documentation to support their findings. 

I kindly request the CFPBs assistance in this matter to review Chimes investigation process and help recover my disputed funds. This unauthorized transaction has caused me financial hardship, and I believe I am entitled to a refund under Regulation E. 

Thank you for your attention to this matter. I look forward to your assistance. 

Sincerely, XXXX XXXX XXXX : XXXX Phone : ( XXXX ) XXXX
Consumer complaint received 2024-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (HI)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to Human Trafficking debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of XXXX XXXX and would like for all listed accounts to be blocked and deleted company information from XXXX, XXXX and TransUnion. 

Please delete the following accounts : XXXX  Account Number : XXXX Balance : {$24000.00} XXXX XXXX XXXX XXXX XXXXccount Number : XXXX Balance : {$10000.00} XXXX XXXX XXXX  Account Number : XXXX Balance : {$10000.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX ) Account Number : XXXX Balance : {$860.00}
Consumer complaint received 2024-11-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (OH)

MY information was EXPOSED in multiple data breaches across XXXX, XXXX, and Experian. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my XXXX, XXXX, and Experian report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX XXXX REMOVE THE INCORRECT ADDRESS OFF MY XXXX XXXX XXXX XXXX EXPERIAN XXXX Please remove this illegal address of my credit report as I have never lived here. 

XXXX XXXX XXXX # XXXX XXXX, OH XXXX
Consumer complaint received 2024-10-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

After sending complaints here in CFPB these negative items are STILL reporting and my complaints have NEVER been resolved. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( XXXX ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proof of my identity and my Proof of Address.
Consumer complaint received 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I am writing to formally dispute inaccurate information on my consumer report. It has come to my attention that your agency is reporting information on my consumer report without my consent, thereby failing to apply maximum accuracy in accordance with your vital role in assembling and evaluating consumer credit information as stipulated in 15 U.S.C. 1681 ( a ) ( 3 ). Furthermore, I am aware that your company policy requires you to maintain written consent from me, the consumer, authorizing you to report any account on my consumer report. Federal law under 15 U.S.C.

1681b requires that you must have either court jurisdiction or a handwritten letter from me giving you permissible purpose to report such information. Your failure to adhere to these requirements constitutes a violation of my privacy. Additionally, as a financial institution, you are obligated to uphold maximum privacy of my nonpublic personal information pursuant to 15 U.S.C. 6801 ( a ), which states that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. Moreover, I demand that your agency immediately cease and desist all illegal activities and all mediums of communication related to the collection of this alleged debt. Your persistent attempts to contact me at inconvenient times have caused significant disruption and damages, affecting my business hours of operation. I am fully aware that a medium of communication also includes my consumer report, and I demand the deletion of the account reported on my consumer report. I demand that your agency promptly investigate this matter and remove the inaccurate information from my consumer report. Please provide me with a written response detailing the actions you have taken to rectify this situation within 30 days of receipt of this letter. Failure to comply with these demands will leave me no choice but to pursue all available legal remedies to protect my rights and seek compensation for the damages caused by your actions.
Consumer complaint received 2024-10-03
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. (TX)

" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''