davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-24
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NJ)

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. 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. 
XXXX XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX DEPT OF XXXX XXXX XXXX XXXX, XXXXXXXX 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/XXXX3, 2021 15 USC 1681 Section 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than XXXX years. 

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-02-21
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. (CA)

I reviewed my consumer credit report and noticed I had two late payments on an account that I for sure paid on time. The consumer reporting agencies have assumed a vital role and have a responsibility to report my consumer information with maximum accuracy. I for sure paid my account on time and was not late on the months in question. I have included screenshots inside this complaint of the inaccurate payment reporting on dates XXXX. Please investigate and provide proof with statements showing that these payments were paid late. If proof can not be provided, I demand these payments be updated to paid as agreed on time. I paid the payments on time ; my credit report should reflect that. Thank you! Please see screenshot attached.
Consumer complaint received 2024-02-21
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. (CA)

I reviewed my consumer credit report and noticed I had two late payments on an account that I for sure paid on time. The consumer reporting agencies have assumed a vital role and have a to responsibility to report my consumer information with maximum accuracy. I for sure paid my account on time and was not late on the months in question. I have included screenshots inside this complaint of the inaccurate payment reporting on dates XXXX and XXXX. Please investigate and provide proof with statements showing that these payments were paid late. If proof can not be provided, I demand these payments be updated to paid as agreed on time. I paid the payments on time ; my credit report should reflect that. Thank you! Please see screenshot attached.
Consumer complaint received 2024-07-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (PA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/year> Subject : Complaint Regarding Unresolved Fraudulent Charge by JP Morgan/Chase Bank To whom it may concern, I am writing to file a formal complaint against JP Morgan/Chase Bank regarding their failure to refund a fraudulent charge on my account, despite my prompt reporting and continuous follow-up.

Details of the incident : - Account Holder 's Name : XXXX XXXX - Bank Name : JP Morgan/Chase Bank XXXX Account Number : XXXX - Date of Fraudulent Transaction : XX/XX/year> - Amount of Fraudulent Transaction : XXXX - Description of Fraudulent Transaction : Tote bag purchased from XXXX XXXX XXXX XXXX XXXX 
- Item Order Number : XXXX XX/XX/year> : Unexpected charge was issued on my debit card. My phone notified me about a charge made on my card for a tote bag purchased at XXXX XXXX XXXX headquarters in XXXX, PA. Shortly after that, I cancelled the card and I contacted the bank to report the issue. 

XX/XX/year> : I contacted the bank as the charge was not removed from my account and a claim was submitted. 

XX/XX/year> : A notice was sent that the claim was not approved and the money would be deducted from my account. I was not aware of this notice until later. 

XX/XX/year> : I realized the claim status and the charge continued to be in my transaction history, so I contacted the bank who the next day sent another notice reaffirming the position that the transaction was authorized. I did not authorize this transaction. 

XX/XX/year> : I contacted XXXX XXXX XXXX headquarters as instructed by JP Morgan/Chase fraud division customer service . They refused to provide any help or assistance on the matter. 

I first reported this unauthorized charge on XX/XX/XXXX to JP Morgan/Chase and have since contacted their customer service department multiple times. However, I have not received the refund or any satisfactory resolution to this issue. I have attached copies of all relevant documentation and correspondence related to this matter. 

Despite JP Morgan/Chase 's assurances and the protections offered under the Electronic Funds Transfer Act ( EFTA ) XXXX my request for a refund remains unresolved. The bank 's lack of action has caused me significant distress and inconvenience, and I am seeking your assistance to resolve this matter. 

I request the Consumer Financial Protection Bureau to investigate this complaint and to ensure that JP Morgan/Chase complies with the applicable regulations and processes the refund of the disputed amount promptly. Additionally, I would like a written confirmation of the resolution of this issue from both JP Morgan/Chase and the CFPB. 

Thank you for your time and attention to this urgent matter. I appreciate your assistance and look forward to a prompt resolution. 

Yours sincerely, XXXX XXXX
Consumer complaint received 2022-11-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of XXXX XXXX. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( XXXX ), you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section XXXX ( a ) ( XXXX ) ( A ) Disclosures to consumers [ XXXX U.S.C. XXXX ] ( ( a ) Information on file ; sources ; report recipients. XXXX shall, upon request, and subject to XXXX ( a ) ( XXXX ) [ XXXX ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first XXXX digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & XXXX XXXX ( a ) ( XXXX ) ( XXXX ) XXXX in case of disputed accuracy [ XXXX XXXX. XXXX ] ( a ) Reinvestigations of XXXX XXXX. If the completeness or accuracy of any item of information contained in my file at XXXX is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under XXXX XXXX ( a ) ( XXXX ). Please be advised that under XXXX XXXX ( XXXX ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX  : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX  : {$0.00}, and XXXX XXXX Date Opened : XX/XX/XXXX XXXX : {$0.00}.
Consumer complaint received 2024-07-26
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: TRUIST FINANCIAL CORPORATION (FL)

I am writing to dispute a late payment entry on my account, which has been inaccurately reported to the credit reporting agencies. This information has appeared on my credit report, potentially affecting my credit score and financial standing. 

The account number is XXXX According to the credit report, a late payment was reported on XX/XX/2023 and XX/XX/2023. Please remove as there was a XXXX  during this time
Consumer complaint received 2024-07-24
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Collection Management Holdings, LLC (UT)

There is an erroneous debt on my credit which shows to be in collections. This was from an emergency room visit while on vacation last year. I have called my insurance, the hospital where I went to ER and their billing office. Billing office said I have XXXX balance. XXXX from ER was sent to my insurance. They paid their portion an amount was adjusted off and I paid my co-pay. They show it paid in full. This collection agency has been harassing me for over a year
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

I reviewed my consumer credit report and noticed I had two late payments on an account that I for sure paid on time. The consumer reporting agencies have assumed a vital role and have a to responsibility to report my consumer information with maximum accuracy. I for sure paid my account on time and was not late on the months in question. I have included screenshots inside this complaint of the inaccurate payment reporting on dates XXXX and XXXX. Please investigate and provide proof with statements showing that these payments were paid late. If proof can not be provided, I demand these payments be updated to paid as agreed on time. I paid the payments on time ; my credit report should reflect that. Thank you! Please see screenshot attached.
Consumer complaint received 2024-08-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (VA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX XXXX this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-04-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BANKERS HEALTHCARE GROUP LLC (FL)

The XXXX data breach occurred between XXXX and XX/XX/XXXX at the American credit bureau XXXX. Private records of XXXX XXXX Americans along with XXXX XXXX XXXX  citizens and about XXXX XXXX citizens were compromised in the breach, making it one of the largest cybercrimes related to identity theft. 

My information was part of the breach. In XXXX I was getting alerts my email was found on the Dark Web. 

In XXXX the Bankers healthcare group located in XXXX XXXX  has filed and obtained a judgment against me and states I waived all my legal rights. This debt doesn't show on my personal credit report since I have frozen all 3 to thwart any attempts of being a victim of identity theft. After speaking with a lawyer, this appears to be a fake judgement, filed in XXXX  even though my old address is still XXXX  - using paperwork I never signed.
Consumer complaint received 2024-07-24
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (VA)

XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/XXXX Mr./Ms. XXXX XXXX XXXX XXXX XXXX Citibank , N.A . 
XXXX XXXX XXXX XXXX, KY XXXX Sent via XXXX XXXX Return Receipt Dear XXXX, I received your letter dated XX/XX/XXXX. This letter is a direct response to my complaint filed with the Consumer Financial Protection Bureau ( CFPB ), copy enclosed for ease of reference. 

With reference to your letter, I would like to correct some facts for the record : Citibank claims in the XXXX  line of the letter ( XX/XX/XXXX ) that I opened an account in XXXX and was awarded a Platinum Select Card. For the record, I moved to the United States in XXXX and was not in a position to open an account with Citibank since, at that time, I was unemployed and was in the process of establishing the necessary residency paperwork. That being said, I did not open an account with Citibank nor was I in possession of any credit cards. 

Citibank claims that I owe a large debt on a Platinum Select Card ; however, I have never received any notice of this debt and I do not owe this debt. 

Citibanks attorney claims that I was served with a notice and that I lived at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NJ XXXX. I have never lived in XXXX XXXX, NJ, and I never been served since I have been a resident of the State of Virginia  for more than a decade. It appears that Citibank is aware that I do not live in New Jersey since your letter was addressed correctly to my Virginia address. 

It has come to my attention that Citibank may be pursuing garnishment of my wages for a debt that I am not responsible for and would seek legal counsel to protect my interest. 

Please correct your records accordingly and inform all Citibanks legal representatives of these errors. I would appreciate if you would inform me when this matter is resolved. 
Respectfully, XXXX XXXX
Consumer complaint received 2024-04-09
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/year> purchased thru my Chase credit card thru Chase travel airline tickets for premium economy for the amount of XXXX. United airlines says Chase travel only paid for basic economy not premium. I am seeking the price difference of over {$400.00}. I have contacted Chase travel numerous times and each time said they would look into it and contact me, but still no resolution.
Consumer complaint received 2024-07-25
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: FIRST HORIZON BANK (TX)

On XX/XX/year> I opened a bank account with First Horizon bank responding to a direct mail offer for {$450.00} if I completed 10 transactions per month and had an average daily balance of $ XXXX. I completed both criteria on XX/XX/year>. 

Despite many attempts to contact them nothing has been resolved. Attached is chat log from their employee acknowledging I met criteria but not crediting the money. When I called in the agent said I needed to go in a branch but they would 'investigate '. 

This has been an unfair and deceptive marketing practice. I did what was required of me, but have not received the bonus and first horizon continues to ask me to contact them and deflect.
Consumer complaint received 2024-07-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MD)

EVERY time that I have called someone at that company, they are NEVER helpful. I want to turn the page on this matter already. I DON'T KNOW WHAT XXXX XXXX IS. I SIMPLY WANT/NEED THIS INQUIRY TO BE REMOVED FROM MY CREDIT PROFILE. SPECIFICALLY -- -- -- -- -- A PERMISSIBLE PURPOSE LETTER SENT TO ALL 3 BUREAUS.
Consumer complaint received 2024-07-16
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (SC)

I had a balance of XXXX. The account was due on XXXX XXXX XXXX. I paid by phone on XXXX XXXX 2024 and asked for a total balance was told XXXX which I paid that day. Then got another bill for XXXX called and asked why they said on XXXX XXXX after the total balance was paid there was an interest charge of XXXX and then they charged a late fee on that interest charge for a total of XXXX. I called and asked to have the late fee removed and pay the XXXX they said no. Now they have added another late fee of XXXX on XX/XX/XXXX I called today and they said they were putting another one on tomorrow for a total of XXXX late fees. I have tried to work with these people but they are definite that have a right to do this. I am XXXX XXXX XXXX and live on social security and have to pay when I get paid so that is why it was 3 days late. I did cut the card up when I paid what I was told was the balance and need help with this as it is being put on my credit account. I asked for a supervisor and got nowhere with getting this taken care of.
Consumer complaint received 2024-07-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: FORD MOTOR CREDIT CO. (CA)

I am writing this formal letter to express my mixed feelings of disappointment, polite concern, and anger as a consumer regarding recent and newly discovered items that may contain potential misinformation and are not certifiably compliant with reporting standards.
Consumer complaint received 2024-04-23
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/XXXX, a total of {$13000.00} was fraudulently removed from my saving account with Wells Fargo Bank. I reported to my main branch in XXXX XXXX immediately and spoke with XXXX people at the branch who confirmed it was fraud. They gave me a fraud number for Wells Fargo to call on my own time, which I did immediately and spent XXXX hours on the phone that first report. Of the total sum removed from my account {$1000.00} was a XXXX  transfer to a person named XXXX XXXX. I do not know this person and have never met them and have never spoken with them. Then {$5000.00} was sent out of the account to XXXX XXXX and then another transaction for {$7500.00} was sent to XXXX again. I do not know and have never spoken with a XXXX XXXX. I filed a report with the bank immediately after spending hours on the phone with them. They replied via email and letter stating that they reimbursed the {$1000.00} that was XXXX out but that they were not responsible for the {$12000.00}. On XX/XX/XXXX the {$1000.00} was credited as well as XXXX separate wire fees. It was clear to me at that point that they did not want to acknowledge the fact that their security was flawed. Mind you, I have XXXX factor security and change my passwords. I was given a fraud claim number for the {$1000.00} and then a separate fraud claim number for the {$12000.00}. I was not satisified with their reply that was essentially a manufactured, auto-generated response and contacted Wells Again XXXX XX/XX/2024. They repeated the same XXXX response and claimed they performed an investigation and tried to recall the money but that they could not. I received the same email and letter. I called again on XX/XX/XXXX to speak with someone who had decision making power. I was tossed around to several different people at Wells Fargo who regurgitated the same things. I have asked for details -- step by step -- as to the investigation they claimed to self-conduct, which doesn't make any sense to me that they conducted it ( of course they don't want to be liable for these funds ), but they failed to send any details to me and ignored my request. I have been a customer with them for decades and this is absolutely unacceptable the way they have withheld my funds, which I could have removed from their institution and invested. I have now been without {$12000.00} for months. Please help. 

I am also aware of other people in my circle where this has happened. Some with Wells Fargo and some with other banks. In those involved with fraud issues and large sums with XXXX XXXX XXXX, they credited their clients. Everyone dealing with this with Wells Fargo is equally frustrated. This is not ok. This is a Wells Fargo problem not a me problem and I should NOT be out this large sum of money due to their failure to protect my account.
Consumer complaint received 2024-07-24
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Bank Of America refusing to add my checking bank account to make a payment towards my credit card. They do this on purpose so the the customers delayed in payments and they can charge a crazy amount of APR. I demand Bank of America to add my checking account from capital one that they know about it and its already has been tried to linked to the Bank of America app. Otherwise Bank of America will not receive any payments at all. Its a Bank Job to make sure to accept all legal forms of payments!!!!
Consumer complaint received 2024-04-24
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AUSSRQ Holdings, LLC (OH)

OLIPHANT USA LLC Last reported XXXX XXXX, XXXX XX/XX/XXXX ( XXXX mos ) Placed for collection Original creditor name XXXX XXXX XXXX XXXX My identity was stolen, and my personal information has been compromised. I have asked these people to remove this from my credit report. I have told them I'm not the owner of this debt. I asked them to provide me with any details or my signature, and the man said no, I just needed to pay. XXXX