davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-24
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (FL)

These are the events that I can remember. There are additional phone calls to the local branch that are not listed because nothing happened. 

XX/XX/2023 We opened up four savings accounts and one checking account using checks payable to each child at Chase Bank. 

XX/XX/2023 Checks were cleared from XXXX XXXX XXXX  ( Account that wrote the checks ) Around XX/XX/XXXX we received a letter in the mail for one of the savings accounts stating that the account was going to be closed. I called the number on the letter and the guy said the monies appeared to be fraud. After explaining the children work for our family business and the check was written from the business account, he said he was able to verify it and I just needed to go in to the local bank office and reopen new accounts so the funds could be transferred out of their " holding tank '' and put into the new savings accounts. I immediately went to the XXXX XXXX, FL branch and XXXX, the banker, called and verified everything and opened new accounts so the funds could be put back in. They were supposed to have the funds in the account in a few days. 

In early XXXX, I received a bank statement in the mailbox for XXXX of the accounts and noticed the account balance was still XXXX. I call the XXXX number and talked with XXXX, a supervisor. She said she couldn't verify me as an owner on the bank account that cut the checks, which is why they did not release the funds back into the accounts. She told me to take a copy of our business ' Articles of Form, Articles of Organization, Articles of Corporation or EIN into the local bank. The next day, I called the local bank and talked with XXXX, a banker, who was going to work on resolution. She said she uploaded our Articles of Organization. 

On XX/XX/XXXX, I called the local bank to verify funds and nothing happened. The Branch Manager told me the need to verify me ( again ) and asked me to submit a copy of our EIN. I emailed it to her the next morning. 

On XX/XX/XXXX, I called the local bank again to see if the funds were put in the account. The branch manager said she saw in the notes that it had just been approved and the funds should appear in a few days, as early as Saturday morning. 

On XX/XX/XXXX, ( today ), I called the local bank to verify whether or not the funds were put in the accounts. XXXX, a banker, told me she checked the accounts and they were closed because there were no funds deposited into the account. She said she could reopen them if I came into the office with my ID and put money into the account. I refuse to do this ; they already have more money than they should from us.
Consumer complaint received 2023-11-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

Your Name : XXXX XXXX Your Address : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, LA XXXX Credit Bureau Name : TransUnion LLC Consumer Dispute Center Credit Bureau Address : XXXX XXXX XXXX XXXXXXXX, PA XXXX Last 4 of SSN : XXXX RE : XXXX To whom it may concern, I am contacting you because I have found some information that is inaccurate on my credit report. You are reporting a late payment on ( XXXX ) on the account ( XXXX XXXX XXXX XXXX XXXX ). 
This is not true, I was not late on ( XXXX ). I request that you verify the information and update the payment history on this account as PAID, NEVER LATE immediately. 
After doing so please provide me with an updated credit report reflecting the changes. 

Best Regards, XXXX XXXX
Consumer complaint received 2024-11-15
Product: Debt or credit management — Credit repair services
Issue: Problem with customer service — 
Company: ASAP Credit Repair (CA)

I began utilizing ASAP Credit Repair 's services on XX/XX/year>. On XX/XX/year>, I received an email indicating that my disputes had been submitted to the three major credit bureaus, along with a list of the creditors that were being disputed. Unfortunately, after this communication, I did not hear from the company for two weeks. My attempts to contact my account manager didn't seem to work. 

On XX/XX/year>, I expressed my concerns in an email with a letter of concern attached to ASAP Credit Repair, asking for someone to contact me as my account manager had been unresponsive for an extended period. The manager replied, promising that my concerns would be addressed and that such a lack of communication would not happen again. 

Following this, I requested a copy of the letters that had been sent to the credit bureaus. I felt this was important for my records and to ensure that the services I am paying for are being carried out properly. However, the owner refused to provide me with copies of these letters, despite my insistence that I am entitled to this information. 

I am extremely concerned about the lack of communication and transparency from ASAP Credit Repair, as well as their refusal to provide me with essential documentation. I kindly request the assistance of the CFPB in addressing this matter and helping to ensure that my rights as a consumer are respected. 

Thank you for your attention to this issue. I look forward to your prompt response.
Consumer complaint received 2024-08-17
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: CAPITAL ONE FINANCIAL CORPORATION (TN)

I had an address on my card that was in Idaho I have no clue who lives in Idaho but it was set up as the primary address and had a card taken out in my name I knew nothing about and I have noticed several charges to my credit card account. My bank account has also had money with drawn from in from unknown sources.
Consumer complaint received 2024-11-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Westlake Services, LLC (GA)

I am disputing a hard inquiries on my credit report initiated by XXXX, XXXX, and XXXX which occurred on XX/XX/XXXX. These inquiries were conducted when I applied for financing for a vehicle. Despite my legitimate need to secure transportation for my family, the application was denied, and the inquiry remains on my credit report.

Under the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681b ), consumer reports may only be accessed for permissible purposes, such as evaluating creditworthiness for a legitimate credit transaction initiated by the consumer. As the consumer, I am the lawful owner of my credit information, which means any entity seeking to access or use it must do so with explicit authorization and solely for permissible purposes. 
XXXX, XXXX, and XXXX, as data furnishers under the FCRA, have a legal obligation to ensure that credit inquiries are conducted in compliance with this law. The continued presence of these inquiries on my credit report, despite the denial of credit, raises serious concerns about whether my credit report was accessed properly and for a permissible purpose. Additionally, the handling of my personal information by these companies may violate the Privacy Act of 1974, which mandates that personal data be accessed and used only for legitimate and authorized purposes.

The denial of credit and the resulting inquiry have caused significant harm to my family and me, and I believe my rights under these federal laws have been violated.
Consumer complaint received 2024-08-17
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. (NY)

I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. 

I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.
Consumer complaint received 2022-02-19
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC. (GA)

XXXX XXXX XXXX XXXXXXXX / {$0.00} XXXX XXXX XXXX / {$730.00} XXXX XXXX XXXX XXXX / {$1500.00} XXXX / XXXX / {$0.00} XXXX XXXX  XXXX XXXX {$1000.00} XXXX XXXX XXXX XXXXXXXX - Procedure in case of disputed accuracy ( A ) In general Before the expiration of the XXXXbusiness-day period beginning on the adate on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( XXXX ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 

( XXXX ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( XXXX ) and before the end of the period referred to in paragraph ( XXXX ) ( XXXX ).
Consumer complaint received 2022-02-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MS)

I have tried to fix an on going issue with the company and I have not receive any resolve. I reported Identity theft in 2019. There after they allowed the same companies and the same person affect my credit report without verifying through me. These companies never sent me any correspondence because they didnt have my information. They obtained the information from the credit bureaus. They only had my social but nothing else because the person who stole my identity theft used their address. I never lived in California so why do I have california addresses and accounts associated with them on my report. Also I have been denied credit and thats against the law for my credit should be equitable to me the consumer. No bad debt should be reported without my written consent.
Consumer complaint received 2022-02-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MS)

I have tried to fix an on going issue with the company and I have not receive any resolve. I reported Identity theft in 2019. There after they allowed the same companies and the same person affect my credit report without verifying through me. These companies never sent me any correspondence because they didnt have my information. They obtained the information from the credit bureaus. They only had my social but nothing else because the person who stole my identity theft used their address. I never lived in California so why do I have california addresses and accounts associated with them on my report. Also I have been denied credit and thats against the law for my credit should be equitable to me the consumer. No bad debt should be reported without my written consent.
Consumer complaint received 2024-08-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

AS I WAS ON VACATION IN 2021, MY WALLET WAS STOLEN AFTER THE PANDEMIC. THERE ARE ACCOUNTS ON MY FILE THAT WERE NOT AUTHORIZED BY ME. MAJORITY OF MY INFORMATION WAS UTILIZED ON THE XXXX WEB. I HAVE REPORTED ALL OF THESE ISSUES TO ALL THREE BUREAUS, EXPERIAN, XXXX AND XXXX WITH VALID FTC REPORT AND POLICE REPORT.
Consumer complaint received 2024-08-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

Under the Fair Credit Reporting Act, the list of accounts below violates my federally protected consumer rights to privacy and confidentiality under 15U.S.C 1681. 

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  15 U.S.C. 1681 Section 602A states that I have the right to privacy.

15 U.S.C .1681 Section 2 604A states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681c. Section ( a ) ( 5 ) states : No consumer reporting agency may make any consumer report containing any of the following items of information or any other adverse item of information other than records of convictions for crimes that antedate 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 2022-02-19
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Credit Corp Solutions Inc. (PA)

After the reviewing of my XXXX consumer report on XX/XX/2022. Credit Corp Solutions collection agency is listed as derogatory item. With a balance of {$990.00}. I have not received any letter in the mail or phone call in validation of this debt. I reside in the State of Pennsylvania which confirms that licensure is required to collect debt. Credit Corp Solutions does not have a license to conduct business in the state of Pennsylvania.
Consumer complaint received 2023-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (FL)

Experian sent me an email on XX/XX/2023 telling me my Credit Report had a thaw added to my credit report file. Then I get an email from them on XX/XX/2023 ( while the so called " thaw '' was in effect from XXXX XXXX  on XX/XX/2023 to XXXXXXXX XXXX on XX/XX/2023 ) that there was an inquiry on my credit file that was blocked. I called Experian and after 15 minutes of trying to get past their XXXX  system, I finally got a person on the line who told me that I also had to lift the credit freeze in addition to the " Thaw! '' Now if that isn't a run around and a scam, I do not know what one is. They should be made to honor a temporary " thaw '' ( if it doesnt temporarily lift a freeze what use is it? ) and no one should have to lift and reinitiate a credit freeze to have their credit file used to obtain new credit. No doubt they make $ $ $ by initiating a credit freeze and this is just another scam.
Consumer complaint received 2018-08-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (PA)

I recently opened two credit card accounts with chase. Both applications had to be manually reviewed before they were approved XX/XX/18 and XX/XX/2018. It took multiple phone calls to Chase to get the cards approved. I discovered on XX/XX/2018 via my account online page that all accounts were closed. I called the fraud department and they refused to reopen the accounts because of too many new accounts. I have never been late on payments and always complied with the credit Terms.
Consumer complaint received 2018-08-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: WELLS FARGO & COMPANY (AZ)

In XX/XX/XXXX, we had received a promotional offer from Wells Fargo on our email as we are customers. The offer was for a Balance Transfer with these terms : 15 months interest free ( 0 % ), for a 5 % fee. 
We have kept the email with the offer. We called on XX/XX/XXXX, and requested this offer. On XX/XX/XXXX, we noticed that we were being charged interest on this transfer. We called Wells Fargo and talked to Supervisor XXXX. He looked into it and said the request had been improperly processed as a Cash Advance. He told us that he would submit it for correction. He said to give them a few months and we would see the correction made. Meanwhile, he advised us to make minimum payments until it was corrected. We waited until XX/XX/XXXX and called back because nothing had been done. We talked to XXXX, who said it was a 'bucket change '. He switched us to XXXX in Customer Care. Then we were switched to XXXX, who said the Case Manager, XXXX would call us within 24 hours. We received no call. We called back XX/XX/XXXX and were told that XXXX had tried to call, but our line was busy. Our call history showed no missed call. We were told that XXXX would contact us when it was resolved. It has been six months, and we feel they are not going to help us. Meanwhile they are charging us interest as if it is a Cash Advance at 23.99 %.
Consumer complaint received 2018-08-10
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (NV)

On XX/XX/2018 I received a payment in my PayPal account for a item I sold for {$370.00}. PayPal promptely put a hold on the funds for 21 days. On XX/XX/2018 the money was realeased to my PayPal account. On the same day I transferred the money into my checking account at XXXX XXXX. I was then told by PayPal there would be another 24 security hold before the money was transferred. Today XX/XX/2018 the money was still not in my XXXX checking account and my PayPal account is showing a XXXX  balance.I called PayPal and was told that the money was in a clearing house and it would be another 5-7 business days before it would get to XXXX XXXX. We are now looking at at least a month to get my money. And PayPal keeps changing the story. Since the money is not showing in ether account, I can only conclude it was stolen by PayPal.
Consumer complaint received 2018-08-09
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CITIBANK, N.A. (TN)

In XXXX I owed Citi Card XXXX. I was undergoing some very severe hardships due to my husbands illness. I had to cut back on my job. I finally agreed to start paying back the debt. I thought the fees stopped accumulating when I stopped the card. I had them take XXXX a month out of my bank .This went on until XXXX. I noticed I had a few extra dollars in my account. When I spoke to a lady at my bank she said it was no longer being taken out. I got the number from her. She said it wasn't like a normal withdrawal. The only communication I had in all this time with Citi was a letter stating they would be withdrawing their money. There was no balance or any communication.So I just assumed they were paid. Then I get a letter from XXXX XXXX saying they had taken over the account. This was in XX/XX/XXXX. The balance was XXXX had called Citi Cards and got someone who spoke ragged XXXX and when I tried to explain why I was calling I got an mean attitude. So I called XXXX. The gentleman I spoke with was very nice .He said he would send me what they had got from Citi.I feel like Citi continued to charge late fees even after card was canceled.
Consumer complaint received 2018-08-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (SC)

I originally was assigned to XXXX XXXX as my federal student loans lender in XX/XX/XXXX. Once I started making payments to them I was very careful about ensuring that my payment type would qualify for PSLF. I called several times to ensure this before I started making payments and was reassured on more than one occasion that my payment plan would qualify. 
In XX/XX/XXXX I was transferred to XXXX due to doing my first PSLF certification forms. I was just notified today that the 38 payments made with XXXX would not qualify although XXXX reassured me that my plan would qualify. XXXX also advised that there was no need to certify my employment until I reached 120 payments as I am a XXXX XXXX, but I acted on information from my company and am glad I did. I would like to know if there is an appeals process since I was acing on the bad information provided and have invested thousands of dollars that don't qualify.