davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

On XX/XX/XXXX I deposited a paycheck and it was held for nearly XXXX weeks. I was assured that any future check deposits would not be held going forward. I deposit my next check on XX/XX/XXXX and once again it was set to be held until XX/XX/XXXX. So I requested cancellation of the deposit and was told that it had not been deposited and I used my XXXX XXXX to cash my check. Four days pass and despite never having cashed this check capitol one not only causes this check to bounce my other bank resulting in a huge negative balance but they are holding all other funds in the account pending investigation. They are owed no money and have no right to shut my account or hold my funds. Not to mention, if my cashed check bounced my other bank this means they lied and were given funds from a check that belong with another bank because the transaction was cancelled with them. I want immediate release of my funds and any money held improperly to be returned to me.
Consumer complaint received 2023-11-15
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: CITIBANK, N.A. (IL)

On XX/XX/2023 we filed a claim with Citi Bank for fraud on XXXX airline ticket upgrades of {$1900.00} ( total XXXX ) with XXXX XXXX. I filed these claims because XXXX did NOT upgrade our fligths... the plane was broken. 

After nearly XXXX weeks of trying to resolve the issue with the original merchant, on XX/XX/XXXX, we filed a claim, within the 60 days that regulation E allows. I have proof that we filed the requested information. 

During the dispute process with Citi Bank, several Citi issues were encountered... first being they closed the duplicate disputes as a mistake. Second, we provided documents in XXXX and XXXX at neither when asked for documentation did they indicate the time was lapsed and we could no longer dispute. 

My husband, XXXX XXXX was added as an authorize signer in order to assist with obtaining a resolution. After XXXX calls, emails and XXXX CFPB complaints of his own that Citi XXXX he was not authorized on. This is false and yet another issue that Citi caused. 

I want my Dispute resolved with a FULL refund. Citi and XXXX have fraudulently bait and switched then caused their own delays to prevent refunds. This is illegal collusion that Citi and XXXX fraudulent operate to prey on consumers.
Consumer complaint received 2021-10-12
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. (IL)

hi experian has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX experian has me at a score around XXXX. That is a huge difference. experian paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with experian i spoke to a representative agent name XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the accounts and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 10 times. experian is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my two year old daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.
Consumer complaint received 2024-06-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CAPITAL ONE FINANCIAL CORPORATION (SC)

" 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.

Please see attached file for these items I am complaining.. 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 2024-06-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Consumer Portfolio Services, Inc. (SC)

" 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.

Please see attached file for these items I am complaining.. 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 2024-06-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have requested multiple times for the personal information on all three of my credit reports to be corrected and updated and no changes have been made. I am requesting that my address be updated, remove all employers, and my name be updated. I have enclosed a copy of my id social and bill to verify my identity
Consumer complaint received 2024-06-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

Equifax is reporting inaccurate information regarding a closed XXXX XXXX account I had with XXXX XXXX ( acct # XXXX ). Despite my previous dispute attempts, the information remains incorrect and inconsistent with my recollection of the facts & reports from other credit bureaus. 

I initially disputed this account due to discrepancies in the reporting of late payments, which vary significantly between Equifax, XXXX, and XXXX. These discrepancies include differing dates of late payments and varying counts of late occurrences ( ranging from XXXX to XXXX late payments ), some report 30 days late some are reporting 60 days. 

According to the Fair Credit Reporting Act ( FCRA ), I have the right to ensure that all information reported about me is accurate. Given the inconsistencies among the credit bureaus, I am concerned that the information reported by Equifax XXXX not be accurate. This misinformation is adversely affecting my credit rating and preventing me from accessing favorable financial opportunities. 

Furthermore, I understand that Equifax previously said they verified this information upon my initial dispute. However, the discrepancies with other bureaus cast doubt on the accuracy of the information Equifax received or is reporting. 

If Equifax fails to correct this issue promptly, I will have no choice but to pursue legal action to seek appropriate compensation for the damage caused by this inaccurate reporting.
Consumer complaint received 2024-06-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

TransUnion is reporting inaccurate information regarding a closed XXXX XXXX account I had with XXXX XXXX ( acct # XXXX ). Despite my previous dispute attempts, the information remains incorrect and inconsistent with my recollection of the facts & reports from other credit bureaus. 

I initially disputed this account due to discrepancies in the reporting of late payments, which vary significantly between XXXX, TransUnion, and XXXX. These discrepancies include differing dates of late payments and varying counts of late occurrences ( ranging from XXXX to XXXX late payments ), some report 30 days late some are reporting 60 days. 

According to the Fair Credit Reporting Act ( FCRA ), I have the right to ensure that all information reported about me is accurate. Given the inconsistencies among the credit bureaus, I am concerned that the information reported by TransUnion may not be accurate. This misinformation is adversely affecting my credit rating and preventing me from accessing favorable financial opportunities. 

Furthermore, I understand that TransUnion previously said they verified this information upon my initial dispute. However, the discrepancies with other bureaus cast doubt on the accuracy of the information TransUnion received or is reporting. 

If TransUnion fails to correct this issue promptly, I will have no choice but to pursue legal action to seek appropriate compensation for the damage caused by this inaccurate reporting.
Consumer complaint received 2024-06-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Upgrade, Inc. (TX)

Upgrade pays cashback on payments made using a debit card. Upgrade has failed to provide cashback on transactions incurred in XX/XX/XXXX and XX/XX/XXXX. Multiple calls were made to customer service who have acknowledged that the cashback is not credited to the account due to " technical issues '' and the issue will be resolved. It's been more than 6 months and upgrade hasn't cooperated. My last email communication to upgrade was on XX/XX/XXXX but I received no response to the same. 

I filed a complaint with CFPB on XX/XX/XXXX regarding this under case id XXXX. On XX/XX/XXXX, Upgrade responded with the following " Dear XXXX XXXX, Thank you for your correspondence through the CFPB received in our office XX/XX/XXXX. In your letter you mentioned you failed to receive your monthly cashback rewards. On XX/XX/XXXX, you received email correspondence from Upgrade indicating that {$80.00} in cashback rewards was posted to your account. After reviewing your account we found that due to a system oversight that you did not receive your cashback rewards. We would like to apologize for this inconvenience and as a gesture of goodwill, we have provided an additional {$50.00} credit to your account on file with us. If you have any additional questions, please contact our Customer Advocacy team at ( XXXX ) XXXX, Monday through Friday, XXXX XXXX, or email XXXX XXXX XXXX Sincerely, Upgrade, Inc. '' It has been more than 2 years since Upgrade 's response. But I still havent received the missing cashback nor the goodwill adjustment. Upgrade has openly accepted the issue was on account of " oversight '' but has failed to resolve the issue causing financial hardship to the customer.
Consumer complaint received 2024-06-01
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. (PA)

Ive noticed unauthorized charges on my credit Report as I am a victim of fraud so someone had to apply for something in my name. I sent several dispute letters to XXXX, Equifax and XXXX asking to have these inaccuracies removed. This has been a long process and I want them removed. All three companies continue to report these inaccuracies on my credit report and its hurting any chances of business opportunities. 
XXXX : Report Number XXXX And Ive uploaded photos from Equifax and XXXX XXXX to show that these changes have not been made. They remain there on my credit report after numerous attempts and letters sent out asking for removal of these fraud charges
Consumer complaint received 2024-06-25
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Metro Collection Service Inc. (CO)

Through CFPB Metro Collections has threatened me with litigation. 
I spoke with a law firm and they said no lawsuit is or has been filed in any court. 

I am awaiting response from an attorney this week, but Metro has not provided me with a response to suggest this debt is legit.

This is phantom debt.

I am not liable.

Metro has no contract with me.

Metro is listed also as the original creditor. 

I have many times contacted Metro with no response on the debt. 
It has not been validated and by their own admission litigation has not begun and no judgement has been made against me.
Consumer complaint received 2024-06-25
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: U.S. BANCORP (IN)

US Bank offered a zero percent balance transfer in XX/XX/year>. I completed the form online and the balance transfer was never performed. I called US Bank to find out why they made the offer and then did not execute the balance transfer. I was told they tried to call me but I never responded. I checked my phone records for the number on my profile and no such calls or voicemails were ever left. I incurred an interest charge from XXXX XXXX  in the amount of {$13000.00} on XX/XX/year> as a result of US Bank failing to make the balance transfer. I have again received the same offer and have again submitted a balalance transfer.
Consumer complaint received 2024-06-25
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: TD BANK US HOLDING COMPANY (MA)

We have a loan through TD Bank from XXXX XXXX XXXX. We have spoken in detail with TD Bank customer service regarding the loan. The issue is that the minimum requirement is {$26.00} and since we have had this account we ALWAYS pay more than the minimum due. Since the inception of this loan we pay hundreds each month and TD Bank has charged us {$26.00} for a late fee if not paid by the XXXX of each month. We continue to call TD Bank each month to dispute this " late fee of {$26.00} '' even though the prior month we usually pay any where from {$100.00} to {$200.00} dollars. We stated to TD Bank that they are essentially charging us a pre-penalty fee. According to TD Bank, our payments are due on the {$26.00} on each month regardless of how much money was paid the month before. So on the XXXX of this month, we paid another {$100.00} and we checked our online account and already a fee of {$26.00} was assessed on our account. After speaking with TD bank today, we inquired about a grace period. It has now been brought to our attention that they do not have a grace period and they are unwilling to correct their accounting errors.
Consumer complaint received 2024-06-23
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company communicating payment assistance or payment extension options
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

I am trying to make my payment in order to set up a payment plan, per the rep on XXXX  XX/XX/year> told me. I was able to get the full amount last night but capital one was closed and I still am not able to make a payment online. 

I just received another text message and email from capital one about needing to make the payment and my vehicle has been assigned for repossession. I am able to make the payment to set up the plan to avoid but again they are not open today. 

Why would they send me a text and an email if I cant even get in contact with them? I am hoping I can get till XXXX  to call in right at XXXX and make the payment.
Consumer complaint received 2024-06-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TD BANK US HOLDING COMPANY (MA)

TD RCS/XXXX  have been reporting late payment to the credit bureau . In accordance with fair credit reporting act, those creditor has violated my right under 15USC 1681 section 6 o 2 states I have the right to privacy ( 15 USCS 1681 section 604 a section 2. It also states a consumer agency can not furnish an account without my writing instructions under 15 USCS 1666b a creditors ayen not treat a payment on a credit card account under an open end consumer credit plan or any late for any purpose.
Consumer complaint received 2024-06-24
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: TD BANK US HOLDING COMPANY (NJ)

I purchased my home XXXX  years ago and since then I have never applied for any store cards but I did get quite a few alerts stating that my information was a part of a breach of contract from XXXX XXXX located in New Jersey. This is hindering me with obtaining a student loan for myself and I really would like to get this resolved sooner than later.
Consumer complaint received 2023-04-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: JPMORGAN CHASE & CO. (IA)

I have been sick the last 3.5 years in which I have not been able to XXXX XXXX XXXX a majority of the time. I have been charged and then rebilled for charges which I did not approve. So, I contacted the company right away to dispute the charges, told them about my health issues, contacted Amazon and closed my account, stop payment to all companies, and locked my card as well as sent for a replacement card. 

They are claiming I am liable for these charges even though there is a liability clause that says I will not be charged for fraudulent charges. I still have the card locked, asked that all authorized users be removed, and that my name be removed from any ones account because I have never been a co-signer for anything. 

Please tell me what I can do. I do not want this happening to other people. I am concerned it is my mother who has my social security number which I never authorized her to use for any reason or my sister who has a history of taking out cards and stealing from members of the family.
Consumer complaint received 2024-08-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Amsher Collection Services, Inc. (GA)

This debt collector has not provided me proper debt validation for this aledged debt. Please delete this from my credit report. 
Also I have them no permission to submit anything to my credit report and this goes against my rights as stated in FCRA Section 605B.

Also the law clearly states, '' If a consumer notifies a debt collector that the consumer retuses to pay a debt the debt collectar must cease all communication '' ( 15 usc 1692c ( c ) ). I did not claim this debt cause it's not mine and also refused to pay and disputed this debit. Reporting to my credit is a form of communication.
Consumer complaint received 2024-06-24
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (GA)

Dear XXXX, I am writing to formally lodge a complaint against Chase Bank regarding their unlawful withholding of funds deposited into my account. Below is a detailed account of the situation : XXXXI deposited a check into my Chase Bank account XXXX payable to my business and XXXX of my clients. 
XXXX-The check was properly endorsed by all parties involved. 
XXXX-Chase Bank subsequently closed my account, stating that they could not verify the information of my XXXX clients. 
XXXX-I provided Chase Bank with the phone numbers of my clients as requested. 
XXXXChase Bank claimed that the phone numbers provided were not registered under my clients ' names and thus could not verify their identities. 
XXXX-I proposed that my clients visit the bank in person with their identification to verify their identities, but Chase Bank refused this solution. 
XXXXMy clients then opened new phone lines registered under their names and provided this updated information to Chase Bank . 
XXXXDespite my clients now having phone numbers registered under their names, Chase Bank still refuses to release the funds. 
XXXX-Chase Bank has stated that they will withhold the funds indefinitely until my clients can get a phone in their names, which they have already done. 

This situation has caused significant distress and inconvenience to both myself and my clients. When I opened the account and deposited the check, I was not informed that such issues could arise. Chase Bank 's refusal to cooperate and release the funds despite my clients meeting their verification requirements is unacceptable. 

I am seeking the assistance of the Consumer Financial Protection Bureau to resolve this matter promptly. I request that Chase Bank be instructed to release the funds immediately as my clients have complied with all the verification procedures. 

Thank you for your prompt attention to this matter. I look forward to your assistance in resolving this issue.