davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-09
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. (OH)

XXXX XXXX, XXXX, XX/XX/XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, 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 consist of a personal credit card account opened at XXXX on XX/XX/XXXX under the account number XXXX, a personal credit card account opened at XXXX XXXXXXXX on XX/XX/XXXX under the account number XXXX, a personal credit card account opened at XXXX XXXXXXXX on XX/XX/XXXX under the account number XXXX, a personal credit card account opened at XXXX  XXXX on XX/XX/XXXX under the account number XXXX. These accounts resulted in several fraudulent hard inquiries appearing on my XXXX credit report. I demand that the aforementioned fraudulent items to be removed from my each of my consumer XXXX credit reports pursuant to my rights within the FCRA and FDCRA laws. These accounts have resulted in several fraudulent hard inquiries appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. The aforementioned accounts, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX and # 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.
Consumer complaint received 2024-08-15
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. (LA)

On XX/XX/year>, I won ( {$310.00} ) dollars on XXXX online sports wagering site. XXXX later I withdrew {$310.00} and deposited the money into my Chase account ( I've made numerous deposits into Chase in the past year from XXXX winnings ). 
Keep in mind, this is instant deposits within minutes to an hour. I go Chase to withdraw the money, they tell me, they never received it, and that they ( Chase Bank ) closed my account in XX/XX/year>. 
So, while in Chase Bank, I log into XXXX and cancel the withdrawal, and a minute later I call XXXX and they tell me that it's still pending and that if it's not in my account in XXXX hours call them back. 
I call back and now they're saying the withdrawal went through to Chase Bank, hence, a close account. Now Chase Bank is saying they never received it, its been 3 days.
Consumer complaint received 2024-08-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. (WI)

I bought 5 sets of *large* XXXX boxes ( important later ) off of XXXX, and each package did not show up at my doorstop but showed on their website as delivered. 

I went down to my local USPS office and they took a picture of each package that comes through their system ( and rescinded some name and address information. ) I was able to show each package that came through with the tracking information provided, was with a different person 's name and address on it ( see attached photos ) and each was a small mailer envelope which clearly could not contain what was supposed to be sent. 

I later found out that this is a mail forwarding scam where a person uses this to fool the third party into saying the item was delivered ( since they used their tracking information the website generated for them ), and USPS shows as delivered to the city on record for the person. 

I sent this information to XXXX  ( XX/XX/XXXX ) where they promptly removed my account from the website despite sharing this information and warning them that this was happening. There is no phone number they pick up from and I've attempted to contact their customer email and X  account, but they refuse to respond. 

I filed claims with my bank for fraud ( Chase ) on XX/XX/XXXX, with pictures from USPS showing each package had an altered ship to name and address. Out of the claims I submitted, only one was accepted by Chase despite having picture proof of each package not being sent to my address according to the seller 's own tracking information. 

I went into the branch, and despite the VP agreeing that it was cut and dry I didn't get the package, the Chase claims department is not directly reachable and insulates itself so I can't have a conversation with anyone and I've exhausted my appeals. 

Chase denied my claims for some reasons they won't explain, except that they found the charges to be " authorized '' ( despite my claim being I never received the goods paid for ), and I can't track down a seller through a third party website I'm blocked from. 

I have picture evidence from a government agency showing that the packages had different mailing addresses in my city, and were not large enough to hold the goods I bought, so it's fairly obvious I never received the goods from the company and would like my money refunded.
Consumer complaint received 2024-06-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: ALLY FINANCIAL INC. (IN)

I have been locked out of my own account, both my checking and savings accounts. I updated my address recently because I moved and I tried to ask for a replacement debit card because my debit card got damaged because of the dog of the new place we moved into.

I have called them multiple times and they have not been helpful. They kept saying I would get a call back but I have never received it. Today, I got an email saying they restricted my Checking and Savings account " because we detected suspicious activity on XX/XX/year> ''. 

I also tried using XXXX but it wasn't working anymore. When XXXX failed this was when the Online Banking got disabled. This has been a week or a few weeks ago. 

I have 2 important checks to XXXX to be cashed and this might be what triggered it. I tried to explain and tell them this but they aren't helping me. Just now I have called their fraud prevention line and they outright disconnected me from the call because they said they couldn't verify my identity. I have been trying to get this resolved for weeks.
Consumer complaint received 2024-06-19
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: Round Up Ventures, L.P. (MI)

" 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 XXXX - 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 2024-08-14
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: JPMORGAN CHASE & CO. (TX)

When I live in XXXX, I was an employee at Chase Bank when I became an employee I received a free bank account and a free safety deposit box I was working for the company for over 10 years. After getting laid off in XXXX  sometime around XXXX or XXXX I was able to get a job with a company in XXXX. I moved to XXXX  in about XXXX. I close my accounts with Chase eventually after I no longer worked with the bank and I moved sometime around XXXX or XXXX I went into a branch locally in XXXX Texas to close my safety deposit box, I talked with a personal banker in XXXX Texas at the location, which was on XXXX XXXX XXXX. One meeting with that personal banker I gave the keys over and it appeared that I close the account with them that day sometime after that Id say months later I received a letter in the mail saying that the account was still open and that I owed money for the safety deposit box, I did some research reached out to the bank and they advised me I needed to send a form which I had taken to a branch and get signed by a Chase employee and then mailed back to the branch where my saved deposit box was located so that it could be closed. I completed that form and sent it in only to continue to get letters saying that the safety deposit box was still open and then I owed money. I called that branch and they advised me that the form that I sent in was no longer valid and that I had to come in personally to close the account. I explained to them I no longer live in California and I had no means to get to California to close the account and I had done my due diligence to try to close the account before any money was due and that I was being charged was unfair because as a consumer, the bank is offering me no way other than going in person to close the safety deposit box which I do not have the means to do I dont have anybody in California XXXX close the safety deposit box for me. The bank is offering me no alternative means as a consumer to close the account creating a barrier for me to find a resolution as a continue to charge me for an account that Ive tried to close on XXXX occasions. There is nothing in the safety deposit box. I do not need it and Ive tried to close it out before any money was due. Ive contacted the XXXX office about this issue and theyve told me basically I have to come to California to do it this appears and seems to at least be discriminatory, especially for people who do not have the means to get back to the state and they open the safety deposit box and there needs to be some oversight Into the policies of safety deposit boxes for interstate customers to close because the bank is creating barriers for the customer to achieve closure of their accounts, if they do not live in the state any longer.
Consumer complaint received 2024-08-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: V and H Portfolio (SC)

I don't recall having a contractual relationship with this collection company. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2024-08-07
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: SYNCHRONY FINANCIAL (CO)

PayPal said there is a pending transaction of XXXX for PayPal Credit and that the PayPal XXXX account is still open. I confirmed on the phone three times the XXXX account is closed. I also confirmed with my bank the transaction has been cleared for several days. I chatted online with PayPal Customer Service for several days and told them this, that both PayPal Credit & PayPal XXXX have been closed. They keep giving me the runaround and I am sick and tired of it. I want my entire PayPal account closed and they refuse so they can keep my money pending to collect interest.

They are already costing me money in monthly identity protection services. The reason I want my entire PayPal account closed and deleted to where I or no one can log in is because of this previous CFPB case # XXXX. My identity was stolen!! 

I want my entire PayPal account closed and deleted so my info can not be stolen. So I or no one can log in ever again. This PayPal relationship is over and done for life.
Consumer complaint received 2024-07-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

XXXX, XXXX and Equifax failure to provide me with verifiable proof required to post the accounts listed below proves that it does not exist and is therefore Unverified. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616, Section 617, False derogatory and defamation of character. If the UNVERIFIED items listed below are not deleted within 5 business days. Copies of this Affidavit of Identity theft report FTC Fraud report, Consumer Financial Protection Bureau complaint and etc letters as well as copies of written letters sent to XXXX, XXXX and Equifax previously will also become part of a formal complaint to the Federal Trade Commission and also shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement. Equifax Delete the fraudulent accounts. Despite all my documents and written requests, the unverified fraudulent items listed below still remain on my credit report in violation of Federal Law. In the results of XXXX, XXXX and Equifax investigations, XXXX, XXXX and Equifax stated in writing that you Verified that these items are being reported correctly? Who verified these accounts? How did they verify them? You still have not provided me with the name of the individual, business address, and telephone number of the person or business contacted during the re-investigation. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it. Furthermore, XXXX, XXXX and Equifax have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA - Experian, XXXX and Equifax are required to ... promptly DELETE all information which can not be verified.
Consumer complaint received 2024-07-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIBANK, N.A. (FL)

XXXX XXXX XXXXXXXX, CITICARDS CBNA, XXXX CARD, XXXX XXXX, XXXX XXXX XXXX, and XXXX put negative information about me to the credit bureaus. These companies are attempting to collect a debt on the basis of XXXX. These companies breach of fiduciary duties, failure of consideration, misrepresentation of material fact, unjust enrichment, no loan or consideration was given. I understand that you shouldn't put any information on my credit file unless I authorized. Provide me with strict proof section 609 ( a ) ( 1 ) ( A ) I authorized this account such as signed applications and contract in wet signature showing, invoice accordance with Bills of XXXX XXXX XXXX and the actual accounting shows a loss. Provide proof claim with evidence you have legal and lawful authority with to collect. Failure to substantiate the claim, please settle account immediately. I'm challenging this account with these credit card companies. I will further pursue all of my legal remedy without further notice to credit card companies. Please Close and Delete these accounts immediately. Cease and desist ALL collection Activities. Account fraudulently opened in my name with XXXX XXXX XXXX is debt collector Under the FDCPA, a debt collector is someone or business who regularly collects debts owed to others which triggered liability under Sections 15 U.S. Code 1692e - False or misleading representations and multiple violations of Federal Debt Collection Practices Act ( FDC PA ). debt. A debt collector does not have the right to communicate without a prior written consent period. 1 ) 15 U.S. Code 1692b. 15 U.S. Code 1692e. False or misleading representations. The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer. 15 U.S. Code 1692 B ( 2 ) not state that such consumer owes any debt ;. 15 U.S. Code 1692 A 5. 15 U.S. Code 1692d. A debt collector does not have the right to communicate without a prior written consent period. VIOLATIONS, my CONSUMER RIGHTS TO PRIVACY.
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Self Financial Inc. (GA)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so, they didn't follow the proper procedure in notating my dispute of the account, which is a direct violation of 15 USC 1692e ( 8 ), which makes this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights. 

I demand this company to delete this account from all 3 credit reporting agencies and compensate me for the violations or I will have no choice but to forward this to my litigation attorney who has advised me that the fact that they didnt notate my account on my credit report as consumer disputes as a violation that I am able to sue them under.
Consumer complaint received 2024-09-03
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (CO)

In XX/XX/year> I sent an electronic payment for {$5000.00} to my Citibank AA XXXX XXXX. It was meant for another account and was erroneously sent, I understand this was MY fault. As soon as I realized the error I reached out to Citibank for a refund. My balance was {$99.00} with the card account. On XX/XX/XXXX a request was processed to refund my money and a check was sent. I reached out after XXXX more weeks and let them know my check hadn't been received. I was told another check was processed, AND would be here by the end of the week. After another XXXX weeks I called and requested an immediate wire to my bank due to the fact that after XXXX weeks I haven't received any checks! I have spoken to multiple agents and escalation managers, but no one can get me my money! 
I am accruing interest on the {$5000.00} in my other credit card account and Citibank offered miles to help with the inconvenience. Not sure if and when I will receive my money, HELP!
Consumer complaint received 2024-08-28
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: DISCOVER BANK (OH)

After a very lengthy process of sending information in and resending information the loan application was transferred to another document person that requested same docs over again but highlighted information and right before the application goes to underwriting I was told to add Discover to my insurance policy as a lien holder. I asked if I was approved for a loan and was told no, but the application could not go any further without having Discover added to the policy. I explained they do not have an insurance interest without a loan. I was then denied because I would not put Discover on my policy. I feel the process is not ethical or fair and putting Discover on my policy would be a deal breaker until they have an insurance interest and confirm I will get the loan.
Consumer complaint received 2024-08-27
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (TX)

Booked cruise with another couple on XXXX cruise, both used AA card from CITI. 
Charges of {$9900.00}, in XX/XX/year>, and paid in full. Both couples requested credit. CITI paid couple # XXXX in full with reimbursement. Couple # XXXX has been denied credit reimbursement twice, after providing all requested information on XXXX occasions. Denial was appealed, and denied again XXXX. 
CITI claim # D XXXX
Consumer complaint received 2024-08-28
Product: Credit card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CLGF Holdco 1, LLC (FL)

Today XX/XX/year> I called Concora Credit on behalf of XXXX XXXX. I called because I can not make my payment on the due date that it is due. I recently had XXXX and am on XXXX XXXX XXXX now. My checks will be coming in once a month at the end of the last week of the month. I told the Customer Service Representative if she can change to the last week of the month and she said no. I explained my situation to her. I then said so does this mean late fees will be charged? She said yes ma'am. My checks are only going to be 60 % of my salary now. I have NEVER missed a payment. All am asking is for a change of date. Don't understand as I have other Credit Cards and they were able to work with me.