davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (CA)

Phone number XXXX isn't verifiable according their " fraud '' dept. Once my transfer from my other bank was cleared. Using my card Created this problem then my account was all of a sudden placed on hold/restricted. I did nothing irregular for this to be flagged. I am the owner of the account so it not a big deal it will be fixed. Calling to fix the issue only to find out the " only '' way to fix it now is to send a pass code XXXX time text to my registered device. They told me it's not allowing them to send it. I still don't understand why. The only other way is to send a reference code via " mail ''. Ok! When i recieved the letter it explained to give them a call so you can verify the transactions and make sure im the owner of the account, so I called the number gave them the reference code. Even after I gave him the reference code it's still was not easy to get my account from being restricted to accessible. Finally I had access it was normal only for about a half a day. Now it's restricted once more for using my debit card as anyonen should be allowed without a problem even when entering my pin. They must lack common sense. Now I'm going to call and easily fix whatever it is without the snail mail verification because I've already done that. Again they can't verify my number. They said they need to send me a text to verify my identity. I really taught they are going to realize I got a letter instead of the text messege so it was already fixed and its just a simple fix. I didn't understand how are they are so backwards and have no common sense knowing the letter they sent was to verify me. Here I am and they keep playing game doing random things to my account. Making it a miserable experience. They hang up when I make sense and speak the facts. Very rude lack knowledge. I have to wait for the letter again. What a joke!! This tops every bank outthere. They are outdated.
Consumer complaint received 2024-07-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NC)

Do you know or have any idea how distressing it is when youre working your way off honestly, then you look at your credit report erroneous information everywhere that has negatively impacted both my credit score and my life, it is my literal lifeline during emergencies, and every paycheck is an emergency.
Consumer complaint received 2023-11-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Control, LLC (CA)

I was contacted last year from Credit Control , LLC trying to collect debt on behalf of XXXX XXXX XXXX in regards to a debt owed to XXXX. I sent them written communication and emailed them aswell the following : " To whom it may concern : I am writing to you because I received the letter attached. I don't owe anyone XXXX. I have disputed this collection from my credit report and has been removed from my account since this is not my debt. 

Please forward me any documentation providing proof that this debt is mine and that I applied with XXXX XXXX XXXX. If you can not provide this documentation, then please stop contacting me. 
Sincerely, XXXX XXXX XXXX XXXX' I attached the original letter, my driver 's license, last 4 of my social, complete name and home address to facilitate verification on their end. I called right after to confirm with a representative if they received atleast my email which was confirmed. They later replied back with the following response : " Thank you for contacting us and sharing your concern.

To assist, we will request verification of this debt from our client. Credit Control or our client will mail the validation to the current address we have on file. Collection activity on your account has been placed on hold and will only continue after verification has been sent to you. If you would like to provide further details regarding your concern, please send an e-mail to : XXXX Please allow at least 30 days to receive a response '' Which they did not respond because there should not be any proof that this debt is mine. Fast forward to now, I received a similar letter. The wording is the same however they provided a new reference number, same debt, same alleged creditor, etc. This is multiple violations under the FDCPA. They didn't respond in a timely manner and they DID NOT provide proof that the debt is mine. I wish to not be contacted nor harassed moving forward. The email conversation has been attached along with the 2 letters.
Consumer complaint received 2024-09-17
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: CITIBANK, N.A. (CA)

On XX/XX/year>, I made a purchase with Costco citi credit card for the amount of {$770.00} for Airbnb rental, I had problems checking in and I couldnt use the entire rental, filed a dispute after coming back from our trip on XX/XX/year> claiming my money back because the host didnt let me in. 
When I filed the dispute my credit card company told me they would give me a credit for the same amount of {$760.00} while they investigate the claim, I never received that credit, and now the investigation is done and they concluded I am responsible for the charge of {$760.00} so they reverse the credit and now because from the beginning I didnt received any credit Im paying double the amount of {$760.00}, I had contacted them several times and they just telling me the internal investigation department have to take care of that, they keep saying they send notes and email about this but no response and that that is the only way to contact them. They know I didnt received any credit they already verified but they keep telling me about that department. At this point I dont know who to contact or who to talk to. I keep track of my transactions with my credit card because I pay every month to leave it at XXXX balance and I always check my charges to match what Im paying. Please help.
Consumer complaint received 2024-07-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: I.C. System, Inc. (VA)

This CFPB complaint has been filed to request pursuant to FCRA subsection 605b ( 15 U.S.C 1681 c-2 ) that you, XXXX XXXX XXXX agency, block information appearing on my consumer credit report that is result of identity theft an fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, an false information consists of, charter communications/I.C systems, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX. all are listed below.These accounts have resulted in several fraudulent collections appearing on my consumer XXXX credit report I attached a list of the aforementioned accounts, collection accounts, I do not recognize the aforementioned accounts, collections as reported. The aforementioned accounts, collections appearing on my consumer credit report maintained by you were not opened, made, or initiated by me.All of the aforementioned accounts, collections accounts are the result of identity theft and fraud.I have attached a copy of FTC identity Theft Criminal Complaint # ( XXXX ) as proof from US FEDERAL TRADE COMMISSION that all of the aforementioned consumer credit accounts, collections are the result of identity theft and fraud. 
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 IC SYSTEMS, XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

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 2024-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Credence Resource Management, LLC (IL)

1 credence resource management ceases any further unauthorized access to my credit report.2 credence resource management compensation me with statutory damages of {$1000.00} for the unlawful credit inquiry in accordance with the FCRA.3 failure to resolve this issue may result in further legal action, as I am prepared to pursue all remedies available under the law including formal legal proceedings to recover damages for this violation.
Consumer complaint received 2024-09-02
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: DISCOVER BANK (GA)

We were bumped off our original flight to XXXX on XX/XX/XXXX. When I found an alternative flight, I realized that we needed to stay in XXXX for a few days and started making a hotel reservation using XXXX app on my phone. After I found XXXX XXXX XXXX and made the reservation, I did not get a confirmation right away. I thought there may have been a glitch on the app or the card may have declined the transaction for security purposes, which often happens. I re-tried to make another reservation but for a different hotel, XXXX XXXX XXXX since XXXX XXXX did not show up on the suggestions after I refreshed the app I was using. I used a different credit card this time to see if it would go through and it did. After the app showed my confirmed reservation with XXXX, the confirmation for XXXX XXXX also just came through. I called the app provider, XXXX and told them what happened. I asked to have the first reservation cancelled just minutes after I saw the reservation confirmation on their app. All of these were happening while our alternative flight was about to take off. Upon reaching XXXX, we checked in at the XXXX XXXX. I chatted with an XXXX represenative again to get an update on my cancellation with XXXX but I was told that since the terms of the reservation was non-refundable, the hotel was declining to refund us. I reached out to Discover card, the card I used to make the hotel reservation with XXXX and filed a dispute to contest the charges. I provided my chat history with XXXX and the email confirmation I received which reflected that the confirmation was an hour and a half later than the time and date that we were supposed to check-in to prove that I did not get the confirmation for the original hotel reservation on a timely manner but the card company sided with the hotel and now forcing me to pay for the rooms that we did not use. The hotel confirmed in the letter they provided with Discover that we didn't show and that the room was not occupied.
Consumer complaint received 2023-09-04
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: EQUIFAX, INC. (NC)

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 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 2023-03-12
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. (MD)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC 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 2024-08-02
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: I.C. System, Inc. (MS)

I am writing to express my deep concern regarding several disputed accounts on my credit report. I have repeatedly raised the issue of inaccuracies in these accounts and have consistently requested thorough investigations. Despite my efforts, I have yet to receive any resolution or corrective action. 

These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. 

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. 

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. 

Thank you in advance for your understanding and assistance.
Consumer complaint received 2024-09-04
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (OH)

**Subject : ** Formal Complaint Regarding Unauthorized Transactions, Lack of Resolution, and Additional Fraudulent Activity **To Whom It May Concern : ** I am filing this complaint regarding unauthorized transactions and the mishandling of my account by CashApp, resulting in significant financial loss and continued delays in resolving the issue. 

On XX/XX/year>, my CashApp account was hacked. The hacker linked their own email, unlinked mine, and repeatedly changed the PIN while I was in contact with CashApp support. Despite being assured by CashApp that my account had been frozen, the hacker still linked a debit card and withdrew {$980.00} at XXXX XXXX  and {$700.00} at XXXX XXXX  on the same day. 

Further investigation revealed additional fraudulent transactions that had taken place before XX/XX/XXXX. These include {$20.00} on XX/XX/XXXX, {$30.00} on XX/XX/XXXX, and {$70.00} on XX/XX/XXXX. All funds were withdrawn to the same debit card, indicating that the hacker had been accessing my account for at least a month prior to the date I first noticed. 

A police report was filed on XX/XX/XXXX when I realized that my funds were being stolen. The individual responsible has been identified and now has a warrant for their arrest. 

For the first two weeks after the breach, I contacted CashApp daily. Despite these efforts, no resolution was provided. An FDIC officer completed an investigation and submitted a report. I was also repeatedly told by CashApp representatives that I would receive an email with instructions on how to withdraw the refunded money. However, this email has yet to arrive. 

I am requesting the immediate return of the {$1800.00} that was fraudulently taken from my account, along with compensation for the inconvenience and delays caused by CashApp 's failure to act in a timely manner. I also request improvements to CashApp 's security measures and customer service. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-07-23
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO. ()

This is the second time ( first was several months ago ) receiving an unsolicited call claiming to be from Chase alleging someone applied for a credit card in my name. The calling party had all the information from my credit report including all accounts, account numbers, current balances, address, and DOB. 
They claimed to be investigating due to card application coming from Pennsylvania and we live in Florida. They gave me a " case number '' ( XXXX ) and then stated they were transferring me to the CFPB to file an investigative report. 

That second party sounded as if they were in the same room ( due to background noise ) and stated his name was XXXX XXXX and his phone number was XXXX. This is obviously similar to CFPB but incorrect. It is very concerning because they have extensive information available through any of the three credit reporting agencies but not likely to be compiled in such a way elsewhere. 

After the first time, we changed most credit card account numbers and passwords. 

My caller ID indicated the call originated from ( XXXX ) XXXX in XXXX XXXX.
Consumer complaint received 2023-04-22
Product: Credit reporting, credit repair services, 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. (NV)

I am a XXXX XXXX and run a charitable XXXX XXXX that saves wild mustangs and assists our nations veterans with XXXX. I have recently become aware of some major hacks to my social security number and from their have started requests from the 3 major credit bureaus and the IRS in particular for help in correcting the situation. This situation has limited my ability to help the veterans as I was denied credit for not knowing false information was on my credit reports. 
I am reaching for assistance regarding my credit report and the XXXX XXXX social security number has been hacked and used according to all 3 major credit bureaus XXXX, XXXX and Experian. 
I have already requested an investigation from the Internal Revenue Service ( IRS ). 
I am including dates and items that I would like fully investigated and deleted from my credit reports. I have never heard some of these items. And now I am reaching out to you for help. 
In the following 15 U.S.C. Sec. 1681 ( a )? I am aware that if proof can not be provided, these accounts must be deleted.I want these accounts deleted if they are not XXXX percent right and correct. So, could you please check on these and get back with me, it is much appreciated. 
The social security breaches occurred on the following dates according to all 3 major credit reports : Site : Number of Breaches Type of XXXX XXXX XXXX XXXX XXXX XXXX Social Security Number/Phone number/ XXXX passwords XX/XX/XXXXXXXX XXXX XXXX Social Security Number/ XXXX XXXX XX/XX/XXXX XXXX XXXX Social Security XXXX XXXX XX/XX/XXXX Unavailable 1 Social Security Number/ XXXX XX/XX/XXXX Unavailable 1 Social Security Number/ XXXX XX/XX/XXXX Unavailable 1 Social Security Number/ Phone # / XX/XX/XXXX XXXX XXXX Social Security Number/ Phone # XX/XX/XXXX XXXX XXXX XXXX Social Security Number XX/XX/XXXX XXXX XXXX Social Security Number XX/XX/XXXX XXXX XXXX XXXX delete the Following 10 Hard Inquiries : Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Date of XXXX XXXX XX/XX/XXXX Inquiry XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Inquiry XXXX XXXX Bank Date of Inquiry XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Inquiry XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Inquiry XXXX XXXX Date of XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX
Consumer complaint received 2024-07-23
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: JPMORGAN CHASE & CO. (AZ)

Hello, CFPB, I have a loan with Chase Bank of which was cancelled on XX/XX/XXXX with the dealership, The XXXX XXXX. The dealership claims it filed a " flat cancellation document '' with the bank to complete the cancellation, but Chase Bank claims it has not received such document. I am well within my rights for cancelling the loan. I have never had possession of the vehicle and, in fact, the dealership has refunded my down payment, but it hasn't filed a " flat cancellation document '' according to Chase. 

The first payment is due XX/XX/XXXX. Chase is saying I must make a payment although this has been cancelled and I've never had possession of the car. I spoke with a Chase representative on Monday, and she assured a notation in my account that XXXX not responsible for loan payments and that my credit will not be affected, while they pursue the dealership to complete the cancellation. 

But I can't trust what's not in writing ( I've been lied to many times ). So I went into my Chase account and sent a secured message for confirmation. And this is what I got ( see attachment ). 

Sincerely, XXXX XXXX
Consumer complaint received 2023-03-12
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: SFMC L.P. (TX)

On XXXX I received my escrow statement from my mortgage company, Service First Mortgage, saying that there was a shortage in my escrow account of {$9100.00} and thus my monthly payment was going to increase to {$2900.00} from the original payment of {$1800.00}. When I contacted the company they said that the vast majority of the increase was due to an increase in school taxes. I contacted several other residents within my neighborhood and within my county and they said that they had no such increase. When I called the company back and spoke with a different person they said the same thing and insisted it was correct and no error had been made. They said that this was my current payment and that no assistance or extensions could be offered. This new payment is obviously an error or everybody else in the area would've had an increase to their school taxes as well and a similar jump in their mortgage payment. Without immediate correction I am going to default on my loan because this has made it unaffordable. I am going to try again to contact the company on Monday, but as it stands I am going to lose my house and destroy my credit. I do have the XXXX XXXX on the house and it was applied for when I bought the house in XXXX.