davidheineman/consumer-finance-complaints-large huggingface dataset:
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: JPMORGAN CHASE & CO. (CA)

I was unaware of an account opened in my name. Im a victim of the XXXX breach as well as identity theft. Ive disputed it with all XXXX credit reporting agencies and its coming back as a charge off? The non credit debtor is refusing to comply with the law even though they have stated they are not a credited debtor still report on my credit report since opened XX/XX/XXXX account # XXXX and Account # XXXX opened XX/XX/XXXX Recently I found out it was a account that was opened for XXXX  XXXX that I never gave authorization so when I called 2 months ago they said they would fix it and have it removed but never did and deprived my family of opportunity because of this I asked for proof of the account and how it was opened in my name and didnt receive anything on that other than this company verified it was me that opened it some how. I dont know where it came from and I dont have an explanation of that either. I never received mail, a phone call, or anything from this company how was I supposed to know about this? I noticed it XXXX of this year on my credit reports and now it looks like it reported numerous charges off over XXXX $ charge offs on this amount of less than Ive asked for proof of everything and nothing is getting done, its making it worse. 
On top of that other hard inquires I never accessed Ive contact these companys whos said I dont have accounts with them still report on my credit report and Im lost for words no one will help me I have given documentation verification that has been valid claims for deletion and be compensated for these multiple repeated violations The unknown hard inquire accounts I mentioned are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Jpmc card XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX All of these are scattered across my updated credit report from diffrent bureaus which is a definite sign my information is not being looked into and properly investigated like it says it should be done and Im feelin deprived of my rights and freedoms at this point
Consumer complaint received 2023-02-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (PA)

On XX/XX/, 2023, I contacted the business concerning automatic payments. I was instructed on setting up said payments online for payments due on the XXXX of each month beginning on XX/XX/XXXX. The representative informed me that she needed take a manual payment for the month of XXXX. 

On XX/XX/, 2023, I noticed two payments had been debited from my account in the amount of {$210.00}. I attempted to resolve this matter with the business via telephone on five ( 5 ) separate occasions : XX/XX//2023 ; XX/XX/2023 ; XX/XX/2023 ; XX/XX/2023 and XX/XX/2023. Each time the business states it will refund for the unauthorized debit. 

To date, I still do not have a refund. The business has also taken scheduled payments rather than attempting to resolve this matter amicably. 

Further, I was fined fees from my bank as a result of this circumstance.
Consumer complaint received 2024-05-24
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Late or other fees
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

On XX/XX/XXXX I transferred money ( {$300.00} ) from my outside bank to my Capital One XXXX  bank account ending in XXXX. The transfer was recorded on XX/XX/XXXX as a balance in my account. On XX/XX/XXXX, my credit card company ( XXXX ) made a scheduled automatic withdraw for {$560.00} to pay my credit card bill, which declined due to insufficient funds. CapitalOne agreed to refund my {$35.00} NSF Fee, but I still had to pay the {$41.00} late fee that XXXX charged me for missing my credit card payment. I called and asked CapitalOne to cover this fee because their error caused me to be charged, but they declined. I told CapitalOne I would be filing a complaint with the CFPB.
Consumer complaint received 2023-12-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

I DONT HAVE PUBLIC RECORDS ON MY REPORT, PLEASE AND I'M BEGGING YOU TO DELETE THIS INACCURATE DETAILS ON MY REPORT ASAP, THIS GIVING ME XXXX AND I WON'T ALOW IT.
Consumer complaint received 2024-05-25
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MI)

Timely payments have always been my practice with this account, and I've never let any become overdue. I'm confused by the reports of late payment remarks on my accounts. Per 15 USC 1666b, billing errors need to be corrected.
Consumer complaint received 2024-05-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

FCRA 605B stipulates that any incorrect accounts must be taken off my credit report. This account is wrongly reported, so please remove it. I am entitled to {$1000.00} for every inaccuracy on my credit file.
Consumer complaint received 2024-05-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (AL)

Please remove this fraudulent account from my credit report, I have enclosed the necessary documentation from the FTC Here is the account XXXX XXXX XXXX Date Opened : XXXX XXXX, XXXX  Balance : {$550.00}
Consumer complaint received 2024-05-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (TX)

I opened an account that is designed to be used abroad yet when I got to XXXX, Chase bank continues to decline my purchases. I have called many times informing them that I am the one making these transactions and they are legitimate, yet they still decline my purchases. Chase bank has stranded me in XXXX with no money. I will be here for a month and I dont know what I will do.
Consumer complaint received 2023-02-15
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. (OK)

Experian is not performing in a manner that is fair and equitable toward me as a consumer. My dispute dates back to XXXX XXXX, 2022 and has been ignored and unresolved without the proper evidence being provided to me. It is now far beyond 60 days of investigation as evident by prior cfpb complaints and the date of the letter attached. Experian is not providing relevant nor accurate reporting on my Consumer file. They have assumed a vital role and are only serving to do me harm and a great injustice by not deleting the accounts I have requested to be deleted. I am demanding that the accounts I have listed be blocked and deleted immediately.
Consumer complaint received 2024-09-20
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (MI)

Ive been making payments on my synchrony/XXXX XXXX ( act. # XXXX ) for over 2 years & all of a sudden on the XXXX statement they started charging me a {$1.00} paper statement fee with no previous warnings, so i called synchrony customer service & they said if i signed up for paperless payments i would get a XXXX XXXXcredit on next statement, i verified my email adress & then she wanted my social sec. #, mind you the c.s.operators are from a foriegn origin such as XXXX or XXXX & barely talk XXXX & refused to give her my XXXX # because synchrony already has this info & to just start sending the payments to my email which was already verified.I recieved the XXXX statement in paper form again & they charged me another {$1.00} paper statement fee & a {$28.00} late fee & now they are sending me emails stating that i havent made my regular payment which i did on XXXX & is not due till XXXX & i just verified thru my banking institute that my payment was made & recieved by Synchrony on the XXXX of XXXX just tried talking to another foriegn Synch.cust.serv.agent to try & resolve the problem on there end & got hung up on after almost XXXX min.on the phone.So now im filing a compliant against Synchrony Bank ( XXXX XXXX XXXX XXXX, XXXX
Consumer complaint received 2024-02-21
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: NATIONS LENDING CORPORATION (NY)

Subject : Formal Request for Investigation and Removal of Unauthorized Inquiries from Credit Report Dear Consumer Financial Protection Bureau, I trust this letter finds you well. My name is XXXX, and I am writing to bring to your attention a concerning matter regarding unauthorized inquiries on my personal credit report, in violation of consumer protection laws. 

The specific issues are related to the following consumer protection laws : Fair Credit Reporting Act ( FCRA ) - Section 1681b ( f ) : I have recently discovered unauthorized inquiries on my personal credit report. According to FCRA Section 1681b ( f ), a consumer reporting agency may not furnish a consumer report for employment purposes unless the consumer has given written consent. The inquiries in question were made without my explicit consent, and I am concerned about the potential negative impact on my creditworthiness. 

Fair Credit Reporting Act ( FCRA ) - Section 611 ( a ) ( 3 ) ( A ) : FCRA Section 611 ( a ) ( 3 ) ( A ) grants consumers the right to dispute inaccuracies on their credit reports. Given that these inquiries were made without proper authorization, I am exercising my right to dispute them and seek their removal from my credit report. 

I kindly request the Consumer Financial Protection Bureau 's intervention to investigate this matter thoroughly and ensure the prompt removal of these unauthorized inquiries from my credit report. Enclosed with this letter, please find supporting documentation highlighting the unauthorized nature of these inquiries. 

Your swift attention to this matter is essential in preserving the accuracy and integrity of my credit report. I appreciate your dedication to upholding consumer rights and fair credit reporting practices. 

Thank you for your assistance. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-09-18
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: EQUIFAX, INC. (PA)

I, XXXX XXXX recognized unauthorized, fraudulent credit inquiries on my consumer credit report on XX/XX/2023. Here is the list of unauthorized inquiries : XXXX XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XX/XX/2023
Consumer complaint received 2024-02-21
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

On XX/XX/XXXX I opened an Advantage Plus Checking Account with Bank of America in person at one of their financial centers located at XXXX XXXX XXXX, XXXX, PA. There was an advertised promotion of a {$100.00} bonus to be deposited into the account if the account received {$1000.00} in qualifying direct deposits within 90 days of account opening. The banker confirmed this promotion applied to me upon opening of my account. 

On XX/XX/XXXX, I met the conditions of this offer, with a total of {$1400.00} having been direct deposited into my account in two installments from my employer, The XXXX XXXX for XXXX XXXX, located at XXXX XXXXXXXX XXXX XXXX  XXXX, XXXX, PA. The direct deposits came from the employer 's payroll client, XXXX. 

On XX/XX/XXXX, upon seeing that my bonus had not yet been received, I called Bank of America customer service to ask for an explanation as to why this was. No such explanation was provided, and I was told a claim had been opened that would be investigated by supervisors. 

On XX/XX/XXXX, I visited a Bank of America financial center at XXXX XXXX XXXX, XXXX, PA to discuss with a banker why my bonus had not yet been received. I was offered no explanation, although the banker acknowledged that I had indeed met the conditions of the promotion. I was told he had no record of the claim that was supposedly filed for me over the phone on XX/XX/XXXX. He said he was going to file a new one, and expedite the process with his superiors to settle my missing bonus. 

As of today, XX/XX/XXXX, I have not received my {$100.00} bonus from opening my account on XX/XX/XXXX and meeting the conditions of the promotion on XX/XX/XXXX. I suspect Bank of America has no intention of giving me this bonus, and thus I feel compelled to file this complaint. 

I can provide all my bank records if needed. I have not currently attached these documents as I see the disclaimer regarding not uploading personal documents just yet. I also have the call logs to prove I called customer service on XX/XX/XXXX and an ATM withdrawal receipt from the branch I visited on XX/XX/XXXX to prove I was there. Please tell me if any of this is of use to you.
Consumer complaint received 2023-07-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (AK)

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. XXXX 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 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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 2024-02-21
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A. (NE)

My XXXX XXXX XXXX passed away on XX/XX/XXXX. they bank was notified, i traveled to his state of Florida, were a banker advised me he had no beneficiary assigned. 
Probate case was closed XX/XX/XXXX I sent the required documents on XX/XX/XXXX I was told they were received XX/XX/XXXX and to give the department about 2-3 weeks before i followed up. 
I called XX/XX/XXXX and was advised they received the paperwork but were still processing it. 
I received a letter saying that they needed my letter of administration to proceed proceed on XX/XX/XXXX for XXXX accounts, best i knew there were XXXX and the bank NEVER even added the third account on any correspondence, hence my lawyer did have the information to pass on to the judge. 
I called XX/XX/XXXX spoke to XXXX and was told that the paperwork was 3/4th the way processed and from that conversation it was figured out that the letters of administration needed to be notarized. keep in mind the letter came straight from the lawyer in Florida who deals with probate and banks all day. i faxed the NOTARIZED letter to the bank XXXX/XXXX/XXXX. 
I called on the XXXX to confirm the letter was uploaded and XXXX informed me they had not received the fax, they were backed up and to give them a few days. 
i called back XX/XX/XXXX spoke to XXXX again, she claims they still were waiting on the fax, i ask for a mailing address and she suggests to resend the fax. i resend XXXX. she takes my number and assures me she will call me when she receives the fax. 
I called back on XX/XX/XXXX spoke to XXXX, he also told me neither faxes have been received but he would take my number and call me when it did. 
i asked him if there was another department, or number, or address that I could contact besides a call center where my calls are not noted, and unfortunately this is just how they do business. I would like to know who holds this department accountable because right now there is nobody i can really get any information from, I have no timeline and i have no way to properly get the letter of testament to the bank. they are incredibly hard to work with and in order to get any information about the so called XXXX account i would need to pay my lawyer an additional {$5000.00} to reopen my case. 
but I cant even get an answer of what happens from here or a timeline because according to CITIbank I still haven't given them the TIME SENSITIVE document they require. 
every time I call its like reliving the death of my father, closing his accounts should not be this time consuming, stressful, and painful.
Consumer complaint received 2024-02-21
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (NY)

Navient did get me back some of the overpayment of my private loans garnished from XXXX and XXXX, but based on my calculations, I still was overcharged by at least $ XXXX. I was garnished for over 2 months with fees and some of this was not calculated into my refund amount from Navient. I contacted XXXX and XXXX XXXX named XXXX XXXX who basically responded " Matter is closed '' and I contacted Navient who said basically the same thing. They did, to their credit, refund me a check for $ XXXX and another for {$300.00} or so, but this did not take into account other private account fees, poundage fees and discharged accounts I should have been credited with. Originally, I had over {$12000.00} taken over the amount showing I owed on Navients website which means my $ XXXX calculation may be even lower than I calculated. I am not sure how they determine the fees, added fees and interest, but I know I have more money coming back. Some of this was also miscalculated loans discharged based on my XXXX score at the time it was originated and Navient has not taken into consideration the fact that XXXX XXXXXXXX was the one used as the basis and therefore I met the requirements, as XXXX XXXX as well as income level was far under the bar set.
Consumer complaint received 2024-08-15
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. (NY)

I am writing to formally request your assistance in addressing a serious issue with TransUnion 's reporting on my credit file. Specifically, TransUnion has reported accounts that are fraudulent and do not belong to me. Despite my efforts to dispute these inaccuracies directly with TransUnion, the fraudulent accounts remain on my report, negatively affecting my credit score and financial well-being. I kindly ask for your intervention to investigate this matter and ensure that these erroneous entries are promptly removed from my credit report. Your support in resolving this issue would be greatly appreciated.
Consumer complaint received 2024-04-23
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CITIBANK, N.A. (GA)

My customer 's business email was hacked by a hacker who had set up fraudulent accounts at Citi Bank. I made two payments totaling a little over {$2.00} XXXX dollars to these accounts ; the day after the second payment, XXXX  XX/XX/XXXX, it was realized through communication with my customer that this was fraud. With the help of my bank ( XXXX  ) and a fraud investigator ( XXXX XXXX ) Citi Bank confirmed that all the money was still in the bank and was in two accounts. According to Citi Bank they immediately froze the accounts. The following week XXXX  sent copies of my police report and the indemnification paperwork to Citi Bank. The GA FBI also contacted Citi bank and was told the funds were there and frozen. 
We are over 3 weeks since this event and Citi Bank is giving us no updates, no timeline of when the money will be returned, no communication what so ever. This is causing personal XXXX  as well as financial business constraints and they are essentially holding the money in a thief and criminals account in their bank.
Consumer complaint received 2024-05-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: CL Holdings LLC (TX)

XXXX XXXX XXXX {$1300.00} XX/XX/year> ( requested debt validation/removal ) XXXX XXXX XXXX {$3100.00} XXXX/XXXX/XXXX  ( requested debt validation/removal ) SEE ATTACHED
Consumer complaint received 2024-03-14
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: AMERICAN EXPRESS COMPANY (MA)

I have filed dispute for recent charges on my credit credit card which i haven't done. it credit and closed the case. now they again debited and saying that was final stats. they are not providing any merchant and full evidence of charges either contact info for merchant. it very large amount to male the payment. they not consider re-open the case.
Consumer complaint received 2024-08-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: American Credit Acceptance, LLC (VA)

CFPB, The loan I had with American Credit Acceptance I paid less then the full balance because the car I had almost costed me to lose my life. When I was driving the car I heard a loud knock in the rear I pulled the car over, got out to look both of the back tires were leaning in, so I had it towed to XXXX XXXX XXXX XXXX in XXXX, XXXX. They called me on the phone and told me it's a good thing I stopped driving it. XXXX XXXX XXXX stated if I would have continued to drive it I would have lost all break function because it was missing XXXX XXXX  on the back breaks. paid less than what you actually owed the creditor. It's a negative entry on your credit report
Consumer complaint received 2023-07-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

It is truly absurd to witness late payments reflected on my account, as I have consistently paid this account on time without any instances of being late. I strongly request that you update my account to accurately reflect my payment history.