davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-22
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY (IL)

I am physically unable to login to the American Express account that has an alleged balance due from my bills. Conveniently, that is also my access to the supporting documentation I would take to an attorney since they provided me a non-answer regarding my earlier complaint. 

For the past XXXX days, again conveniently during them actually deciding to investigate the CFPB complaint since I've been talking about it at the end of XXXX, I am now unable to reset my password and get into the account. 

Again, please see another attached screenshot. Though they conveniently want this to go away, I have no ability to actually pay of the alleged debt even if I wanted to.
Consumer complaint received 2024-05-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: SOFI TECHNOLOGIES, INC. (CA)

I submitted a complaint already for this issue to review under regulation XXXX : XXXX I would like to reopen this case or start a new complaint. SoFi in their responses prior to this complaint submission, and in the complaint response, completely ignored the fact that I reached out to their customer chat service to seek support cancelling the payment as soon as it was noticed on XX/XX/XXXX. 

I attempted to seek support to cancel the unauthorized payment far before XX/XX/XXXX. I also tried calling their support line but it was closed for the holidays. 

I even noted to SoFi that someone in my family likely took my phone and made this payment without my authorization, which is what I provided as new facts in my follow up. SoFi noted that the phone was used from a similar location and using my credentials, that does not change the fact that I do not know who the recipient is and never authorized sending a payment to that recipient. I can not obtain additional facts beyond what has been provided, I am not a detective.
Consumer complaint received 2024-05-22
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (NJ)

I have opened a saving account and a checking account in Chase bank on XX/XX/year>. Chase had locked my account on XX/XX/year> and claimed that the checks i deposited were fraud concerned without providing any information, while the funds had already been transferred from the paying banks to Chase. They locked my accounts, hold my funds, and refuse to let me withdraw the funds nor close the accounts.
Consumer complaint received 2024-05-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Exeter Finance, LLC. (NJ)

I looked at my credit report XXXX XXXX and noticed some things are incomplete and not accurate. According to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. These accounts [ Exeter Finance LLC of Account & XXXX ] open date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate XXXX XXXX XXXX
Consumer complaint received 2024-01-13
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: JPMORGAN CHASE & CO. (TX)

On XX/XX/ I called chase bank due to several fraudulent transactions on my account. I ordered a new debit credit card and asked if it could be expedited. At that time I was told my account would be closed due to the banks discretion. 
I have over {$9000.00} that goes into my account every month. 
My husband XXXX of XXXX XXXX last year and I became a XXXX with XXXX XXXX children and no life insurance but I did have money from the sale of my house which was over {$300000.00}. That money was stolen from me by a man named XXXX XXXX who told me he would invest it and help me after my husband died. 
The bank did nothing to protect me. I had to cancel my debit card over XXXX x in the course of a yr due to it being compromised at gas stations online u name it. I put stop payments on transactions that I had cancelled months ago and they were still pushed through causing me to go into the negative. 
I have XXXX, child support and my pay check that gets deposited into my account every month. 
I never leave a negative balance and since my father just died this summer my mind has not be right. 
Why wouldnt Chase try to help me instead of closing my account and holding my money. 
I have to feed my kids. I had {$300.00} to put into the account tonight and the bank declined it.
Consumer complaint received 2024-05-22
Product: Debt or credit management — Credit repair services
Issue: Problem with customer service — 
Company: Credit Karma (PA)

XX/XX/2024 I did some online shopping with a clothing company. The total paid was {$51.00}. The package was suppose to arrive 3-5 business days. XX/XX/2024 I reached out due to not receiving my package. I then realized that this company was not real. I sent in the proof of evidence to credit karma. A dispute was file. I reached back out to credit karma today and they told me the reason I didnt get a refund is because the merchant has to confirm if they were scammers or not. Why would a scammer reach out???
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: EQUIFAX, INC. (SC)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected from erroneous reporting in my file are listed on my credit report : 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-19
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings (FL)

In accordance with the Fair Credit reporting Act. Thus account below has violated my federally protected consumer rights to privacy and confidentiality under 15USC 1681. law XXXX XXXX XXXX -Account # XXXX, 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 a 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 2023-04-29
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: EQUIFAX, INC. (NY)

XXXX is reporting my late payments to third parties agencies which in this matter are the three credit agencies which are XXXX, Equifax and XXXX. Pursuant 15 U.S. Code 1666b - Timing of payments ( a ) A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX is in clear violation of this law. XXXX is also reporting my transactions or experiences which is another violation of the Fair Credit Reporting Act 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer report clearly states ( 2 ) EXCLUSIONS- Except as provided in paragraph ( 3 ), the term " consumer report '' does not include ( a ) subject to section 1681s-3 of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; which in this matter is my Utilization. XXXX has been my causing my family and I huge distress by reporting these items on my consumer report with its negative impact.
Consumer complaint received 2024-05-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (MA)

Closed account on XX/XX/year>. Some time in XXXX Chase Bank received funds from XXXX XXXX ( refund ) to me, funds were put back on my ATM card. A check was mailed to me that I never received, my mailing address changed. I contacted Chase about the funds, contacted XXXX. Bottom line I getting a runaround. These companies think they can tell a XXXX citizen anything being advanced in age doesnt make a person stupid
Consumer complaint received 2023-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK (FL)

I did not enter into an informed agreement. I first made a decision prior to receiving an agreement. There was NOT two consenting parties in this agreement. 
I was UNINFORMED on basic facts such as I needed two consenting parties to make the agreement, I needed an understanding of what was in the agreement as it was NOT conspicuous nor clear of what I agreed too especially since I did not receive the agreements until after the 30 day period, I was supposed to be able to make an inform decision. I did not know the cost to me of what may come from this credit. I did not know the subject of the agreement when I made a decision. 

It is a person of whom the debt is arising from the consumer credit transaction is initially payable on the face of the evidence of indebtedness OR if there is no such evidence of indebtedness by agreement. Meaning on the face of that uninformed decision there needed to be evidence I owed them prior to receiving the card so they created an agreement I was unaware of and would not receive without informing me in order to create false debt. 

Because of the uninformed decision the contract and agreement was null and void at the beginning. 

15 USC 1643 ADEQUATE NOTICE. 
Basically says that Discover should have made sure I 100 % understood the terms and agreement as well as received the information prior to signing up for it. Not only did I not actually sign anything by hand but by clicking a button that Discover themselves used a electronic signature they themselves created for me in place of my own signature, by I was unable to receive any information prior.
Consumer complaint received 2024-04-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Hi, Recently, I come to Know through XXXX XXXX XXXX check up that Bank of America made XXXX different credit cards using my social security number without my consent. 

Credit Card # XXXX : Opened XX/XX/XXXX and left a balance of {$840.00} and closed it on XX/XX/XXXX. So that balance is still on my name. 
Credit Card # XXXX : Opened XX/XX/XXXX and did some transaction themselves. Then paid in full or write off the balance and closed it XX/XX/XXXX Credit Card # XXXX : Opened XX/XX/XXXX and XX/XX/XXXX. Also did some transactions but paid or write off the balance not sure. 

They also created my new name by adding a fake middle name in my name. Also change my last name and created a third fake name. 

I am not sure who but probably they also added a new job ( not mine ) and new home address ( not mine ). 

I respectfully request to XXXX Bank of America to issue the refund of {$840.00} and clear these XXXX fake credit cards from my credit history. These fake credit cards drop my XXXX XXXX for about XXXX point negative. Also please charge bank of America a good penalty so that they learn they lesson and never use consumer social security number to make fake credit cards without their consent. Please compensate me in that penalty since because of these, I have to spend so much time to clear my credit history. 

Thank you.
Consumer complaint received 2024-02-07
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Incorrect exchange rate — 
Company: FIRST HORIZON BANK (TN)

I deposited a check for {$110000.00} XXXX to my account at First Horizon in XXXX, Tn., back in XX/XX/XXXX. After 2 months I finally got the deposit in the amount of {$82000.00}. According to the exchange rate at that time, even with the lowest rate, I was expecting more like {$85000.00} USD.
Consumer complaint received 2019-09-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (NC)

Today ( XX/XX/19 ) I am tried to get Equifax to unfreeze my credit report for loan. I tried to do it online, but got an error message that gave me a phone number to call. I've called the number 4 times. After giving my identifying information, the automated phone system says that either the system is down or it asks for more questions from my credit report that I can't answer. My wife has also called several times and spoken to people that are unable/unwilling to help.
Consumer complaint received 2023-04-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 

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 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 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 XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-18
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (CO)

In XXXX of XXXX, I did a XXXX XXXX XXXX with my credit union and on XX/XX/year> they mailed a check in the amount of {$3100.00} to be credited to my account ending in XXXX. I started receiving delinquent notices indicating my payment had not been received- I went back and forth between my credit union and Synchrony bank trying to find out what happened to my payment. They provided me provisional credit at least 3 times while they looked for the payment. Then they finally sent me a letter indicating that they never received nor cashed the check- even after I sent them a copy of the cancelled check from my credit union . The cancelled check clearly states it was cashed by Synchrony Bank on XXXX. My credit Union also contacted and wrote a letter about the check and sent them another copy. It has been almost a year and the check has still not been credited to my account. I got a final letter indicating that they still will not accept responsibility for the missing check. I can not put a stop payment on a paid check that old. I assure you that I have done everything I know to do except hire a lawyer to resolve this issue. Please help me recover my {$3100.00} dollars.
Consumer complaint received 2022-12-30
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: EQUIFAX, INC. (NY)

I ordered a copy of my report in XXXX and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, Equifax / XXXX / XXXX has not answered my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete its investigation within 30 days. Please check the payment history, date open, last activity, and Status of XXXX XXXX XXXX Balance : {$2100.00} XXXX XXXX XXXX Balance : {$8200.00} XXXX XXXX XXXX Balance : {$230.00} I believe it was reported in error.
Consumer complaint received 2024-02-26
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Westlake Services, LLC (GA)

I was on duty for the military I fell under the SCRA agreement. I mailed and email my orders the comply credit my account back for the month I was over due they wrongly repo my car. I was then told it would be waved multiple times since it was a mistake and it was not. My car has been paid off since XX/XX/XXXX and I havent received a receipt nor updated payment schedule
Consumer complaint received 2024-04-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Maximus Federal Services, Inc. (GA)

I am writing to file a formal complaint against the XXXX, XXXX and XXXX for multiple violations of my rights as a consumer under the Family Educational Rights and Privacy Act ( FERPA ) and the Fair Credit Reporting Act ( FCRA ). Firstly, I would like to address the violation of my privacy rights under FERPA. The Department of Education/Aidvantage has unlawfully provided transaction history to third-party companies, which directly contradicts the provisions outlined in FERPA. Specifically, FERPA prohibits educational institutions from disclosing personally identifiable information, including transaction history, to third parties without the student 's explicit consent. By sharing my transaction history without my consent, the Department of Education/Aidvantage has infringed upon my privacy rights. Furthermore, the unauthorized reporting of transaction history, is in direct violation of FERPA regulations. Under FERPA, educational records, including payment history, are protected from disclosure to unauthorized parties. The Department of Education/Aidvantage 's actions in reporting late payments without my consent constitute a flagrant disregard for FERPA regulations. Additionally, I am deeply concerned about the unauthorized collection of my Social Security Number ( SSN ) by XXXX, XXXX and XXXX. This action is a clear violation of both FERPA and the Privacy Act of 1974 ( 5 USC 522a ), which prohibit the collection of SSNs without proper authorization. Moreover, as a federally protected consumer under the FCRA, I hereby revoke any and all authorization granted to XXXX, whether written, unwritten, verbal, or non-verbal, in accordance with 15 USC 6802. I demand that XXXX cease all unauthorized collection and reporting of my personal information, including transaction history and SSN. In light of these egregious violations, I am requesting that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate enforcement actions against them. Additionally, I urge the Bureau to ensure that my rights as a consumer are protected and that corrective measures are implemented to prevent similar violations in the future. Thank you for your prompt attention to this matter. I look forward to a swift resolution and your assistance in rectifying these violations of my rights.
Consumer complaint received 2024-04-12
Product: Credit card — Store credit 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: SYNCHRONY FINANCIAL (FL)

On XX/XX/XXXX XXXX I visited XXXX XXXX XXXX to purchase mattress when I received my first bill I noticed the amount I owed didnt match with what I purchased when I called synchrony bank I noticed that XXXX XXXX made several charges I didnt authorize i returned the merchandise to XXXX XXXX and notified the bank of the issue in which I had to file a dispute XXXX XXXX refunded me the full amount but synchrony bank keeps billing me for something I dont have .i have been trying to get the resolved for months now, now they are trying to mess up my credit with late charges I do not owe I owe them nothing. Please help I dont know what to do
Consumer complaint received 2024-04-16
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Bureau Systems, Inc., Paducah, KY Branch (NY)

Hello my name is XXXX XXXX I rented from XXXX XXXX at XXXX XXXX XXXX XXXX TN last year and during move in they gave me dirty apartment and said you do not have to pay for it as you have recorded it in the inspection list during move in. So after I moved out in XXXX last year everything was good until this XXXX they reported my account to collection about the cleaning charges. I asked them to send evidence of cleaning and I will pay the charges which was never sent. So I reported this to XXXX and XXXX. XXXX did the investigation and removed that from my account as it was a fraud charge. But I have been doing back and forth with XXXX since 2 months providing them all documents, police report but still without doing the investigation they are saying account belongs to you. whereas I reported about fraud charges and not about account belonging to me. So please help me with this to complaint about XXXX not doing the investigation. Also I was even assaulted in the community for which I had to call XXXX and I had asked to move-out but they said you have to stay the whole term till the end of the lease and never did leave me to move out.
Consumer complaint received 2024-04-15
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: BARCLAYS BANK DELAWARE (OH)

I called XXXX XXXX month ago. I received confirmation that the inquiries belong to a social that was one number off from being the same. I also filed a identity theft report for these inquirys. I was told the inquiry would be removed but it never happened