davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-06
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. (GA)

I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. 

I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.
Consumer complaint received 2024-06-10
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (AE)

I moved in XXXX to XXXX on Government orders. I knew I would be travelling a lot in my new position and decided to open a Chase Marriott card to maximize my points. 

Prior to this time, I always used my Marriott rewards account that I had mistakenly opened it in my husbands name years ago. I did not know we needed our own accounts and it was never a problem. The site will also not allow me to change the name on the rewards account. 

The account has always gone to my email, my telephone number and he does not travel for work purposes. He does not even know how to work this account. 

About 5 months after opening my credit card I received a letter that they could not link my account to my rewards. I contacted customer service confused as to what the issue is. They informed me I must have my own accounts and there was nothing I can do. My husband is an authorized user but that isn't good enough. I also informed them at the time I signed up for the card of my rewards number. It was not an issue until 5 months later after I accrued several thousands of points. 

So now my option is to get my own account and lose my titanium status or forfeit my credit card points. The other option is to have my husband open his own credit card, which is ridiculous because he is already on mine. We do not need multiple cards for the same household. This also does not " fix '' the issue of combining the rewards. 

I am not trying to cheat any system and it was a mistake I unknowingly made when setting the account up a very long time ago. I do not understand why they can not be linked as he is on the credit card. 

I have called and written to them with no resolution.
Consumer complaint received 2024-06-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of america CONSTANTLY SAYS THEY CAN NOT VERIFY ME!! 

XXXX THE MANAGER AT XXXX LOCATION HELPED ME DO IT ON MY PHONE. 

IT SHOULD TAKE NO MORE THAN 3 DAYS!! 

THIS NEEDS FIXED!!!! I WILL NOT GO INTO THE BANK EVERYDAY!! 

I HAVE XXXX XXXX!! 
AND AM TRYING TO OPEN AN ACCOUNT WITH A CREDIT UNION!! 
THIS IS A SERIOUS PROBLEM!! 
YOU GON NA PAY FOR THE GAS IN MY CAR TO STEP INTO XXXX XXXX XXXX XXXX!!? 
NO!! 
HEADQUARTERS IS IN XXXX NC. 

Please send this complaint to them. 
XXXX XXXX XXXX is now working on my case. 
XXXX is doing nothing. 
And card is still not in the XXXX XXXX XXXX XXXX. 
Also I would appreciate a credit card. 
Why do I not get a credit card? 
Also I would like to know about a trust fund!! 
Your friend, XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ENOVA INTERNATIONAL, INC. (PA)

The company sent me an email stating I had to make a payment by XX/XX/XXXX in order to prevent my loan from being all due at once. Not only had a made a payment XX/XX/XXXX, I scheduled this payment on XX/XX/XXXX for XX/XX/XXXX, the default date on the website. 

When the company updated their credit reporting for XXXX, they stayed I was XXXX days past due. This was not correct as the furthest due date had been satisfied and no other payment went XXXX days. When I reached out regarding this, they ignored my emails over and over, which is ironic because they violated a cease and desist over and over before that in order to contact me. When i contacted XXXX to submit a dispute, they updated my credit report to include FUTHER misinformation by stating the account was in collections in XXXX, which it obviously was not if they were demanding payment for XXXX. They are incredibly vindictive and predatory. 

Not to mention I had moved to XXXX  and they had continued to allow me to use their service for a year even though it was not legal in our state.
Consumer complaint received 2024-06-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

15 U.S.C. 1666b ( a ) Time to make payments 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.

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.
Consumer complaint received 2022-01-11
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: Frost-Arnett Company (GA)

I have already filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results. This is unacceptable! Please fix this.
Consumer complaint received 2023-05-04
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. (GA)

To Whom It May Concern, I, XXXX XXXX have contacted the fraud department of Transunion and XXXX several times through mail and by phone in XX/XX/2023 to request the immediate removal of two unauthorized inquires. Furthermore these inquires aren't connected to any of my items on my credit report so it is very concerning to me. I am anxious to begin the process of buying me and my families first home soon, but these unauthorized inquires are hindering my ability to be appealing to lenders yet alone qualify for the best, competitive rates and mortgage opportunities.
Consumer complaint received 2024-06-08
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

It started on a business company called XXXX which is a website to pay others to do a service for you. I paid someone on that app to help me create an XXXX store. Unfortunately, I was caught off guard and scammed out of {$1400.00} when I thought I was sending money for the inventory of the store. Before I considered sending the money, on the website, you click on ads and pay for a service on the spot. This made me believe the person I was wanting the service from was legitimate. The website also showed this persons good reviews which made gave me more of a reason to trust this person who claims they can do the service I want them to. On XX/XX/year>, I wired off {$1400.00} off to a money transfer company called XXXX. The money transferred to XXXX on XX/XX/year> and was sent off to the person the same day. I called Bank of America afterwards and tried to file a complaint but was told I was responsible for the wire and could not promise me any help. In fact, they closed my case and I felt like I could not get the help I needed at a time when school loans are needing to be paid for, rent and groceries, and savings needing to be saved. This money would help me with my rent as of now mostly. XXXX customer service however did refund the balance paid on the app.
Consumer complaint received 2024-06-07
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (WA)

I have XXXX credit cards with Chase Bank. Neither were near their balances. I have been traveling and using the cards. On XX/XX/year> I received a notice that they cut my credit lines and cut them back to near their balances so now the cards appear to be nearly maxed out. I have no history of late payments. I had an auto loan with them that paid off a little early. I have no late pays on any of my credit accounts, but chase decided to cut my line to make me have XXXX maxed out cards. I contacted them via messenger because it was late at night when I received the notice. I was told I'd receive a response with in XXXX business days. on XXXX I received another letter stating they'd stop trying to contact me regarding my concern, but I could call if I want to discuss. No one has contacted me about the concern that they are now going to damage my credit score by reducing my lines and having XXXX maxed out cards -- because of them, not me. I find it very concerning that no one reached out and now " they're going to stop '' trying when they didn't start. This is absolutely unacceptable and harmful. I have had a relationship with them for nearly XXXX  years and not a single late pay. This was unwarranted and damaging to my financial situation.
Consumer complaint received 2024-02-28
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I am writing this complaint to CFPB because you are the entity that is supposed to make these institutions follow the law. you have to hold therm to account and make them treat federally protected consumers according to the law. 
XXXX XXXX is violating so many different laws. Here is just a few : Debt Validation Pursuant to 12 CFR 1006.34C FDCPA 1006.30a 15 USC 1681b2 Aggravated Identity Theft pursuant to 18 U.S.C. 1028A 15 USC 1692c ( c ) 15 U.S. Code 1681s2 15 USC 1681 s-2 and i could go on and on. The point is that CFPB you need to make it to where these institutions know that if they break the law that its gon na hurt whether financially or by putting them in prison.
Consumer complaint received 2024-06-07
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Identity theft with XXXX  XXXX to top things off my credit file has been locked for years and I look at my credit and XXXX XXXX hit my credit XXXX points on XXXX and also the credit people can not get in contact with when there should be nothing on it cause it has been locked for years but they wont me to do members ship. My credits has been locked for almost XXXX years and I tried to dispute with them and nothing gets done. On top of everything I can not do anything positive in my life cause I cant even get a place to live because of them playing games mainly XXXX you could look at my XXXX XXXX and the other one and see. XXXX is really bad and need to be put out of business who ever behind the seen is doing this. Respectfully Submitted XXXX XXXX. Ps I have been homeless for a long time due to there actions and me getting injured in XXXX
Consumer complaint received 2024-06-06
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CLGF Holdco 1, LLC (IL)

I am writing to file a formal complaint againsXXXX XXXX XXXX XXXX XXXX for egregious violations of my consumer rights, as protected by the Consumer Financial Protection Act. It has come to my attention that XXXX XXXX XXXX XXXX placed a collection on my consumer file without issuing the requisite notice and without notifying me of my right to dispute this alleged debt. 

I hereby declare my revocation of all communication channels with XXXX XXXX XXXX XXXX  including text messages, emails, and phone calls. I insist on engaging exclusively through written correspondence. 

In line with my rights under the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ), I am formally requesting that XXXX XXXX XXXX XXXX provide a purchase order agreement between them and the original creditor. I am particularly concerned about the accuracy of the account information, as the agreement may contain clauses stating that the data being purchased might be inaccurate. If XXXX XXXX XXXX XXXX is unable to produce this documentation, I demand the immediate deletion of the account from my credit report. 

The date on my consumer report indicating that I opened an account with XXXX XXXX XXXX XXXX  is blatantly false. I neither received any services or products from [ Debt Collector ] nor entered into any contractual agreement with them. This misinformation tarnishes my credit history and infringes upon my consumer rights. 

Moreover, it has come to my attention that XXXX XXXX XXXX XXXX is not licensed or bonded to collect debt in my jurisdiction. This raises serious concerns about the legality of their actions and further emphasizes the need for immediate resolution.
Consumer complaint received 2024-05-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (OK)

XXXX XXXX XXXX agreed to remove the cox communications of my credit report. 
*XXXX XXXX XXXX is reporting an account that i didnt open and XXXX XXXX removed it, it was open when i was in XXXX. 
*XXXX XXXXXXXX agreed to update the late payments i wasnt late and that was over 30 days ago. 
XXXX agreed to do a pay to delete and they took my money without updating my report. 
XXXX XXXX has inaccurate info, balances, dates, amounts
Consumer complaint received 2024-08-22
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: Experian Information Solutions Inc. (PA)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report.
Consumer complaint received 2019-04-20
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: Experian Information Solutions Inc. (VA)

I have disputed these very accounts last month however the 3 major credit bureaus have ignored my request for physical valid certified documentation in support of their reporting efforts. These accounts have been placed upon me and my report fraudulently and I'm demanding that they be removed immediately. I would like your reporting agencies to provide me with the Method Of Verification used in this process., and/ or remove this accounts as of my consumer rights. 

1 ) XXXX {$870.00} 2 ) XXXX XXXX XXXX {$1200.00} 3 )  XXXX XXXX XXXX 4 ) XXXX/ XXXX XXXX XXXX 5 ) XXXX   XXXX 6 ) XXXX XXXX 7 ) XXXX XXXX XXXX 8 ) XXXX XXXX  9 ) XXXX/ XXXX Please block the above accounts.
Consumer complaint received 2023-03-22
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. (GA)

There are numerous hard inquiries posting on my credit report for which are inaccurate and not authorized by me. According to consumer law, any unauthorized activity must be investigated. The following inquiries need to be removed from my credit profile. 

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 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 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 2024-06-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PNC Bank N.A. (CA)

PNC closed my account without warning and wouldnt allow me to get funds that were already in the account. I spoke with the executive XXXX XXXX who repeatedly lied saying that she was temporarily keeping my account open and I could go to the bank to get it. However, when I got there, they were saying the account was still showing closed and I couldnt get my funds. The bank lied days before this saying that a check was mailed to me which wasnt true. Prior to this issue, I had went directly to the bank and never was told the account was even closed. They have repeatedly played games, lied, and withheld my money. This is completely unprofessional and I believe its due to racism. The day when I went to the bank after talking to XXXX XXXX they wouldnt release my money and notified the police when I was calmly waiting for them to reach someone. XXXX XXXX never explained the process to me and it shouldve been an easy transaction. XXXX XXXX created issues by lying saying that my account would be temporarily open to find and that I could get my money. I also explained to her about my health and l needed to get my medications and Im going to occur late fees if I dont pay my bills on time. I stated to her that I was waiting for a direct deposit and a credit to my account. Because I wasnt aware of the closing of my account I didnt have time to change or notify them of the closing of my account. I receive SSDI every month on the XXXX. I mentioned to her that I urgently needed these funds due to medical issues, hardship etc they rejected these funds from SSDI even after saying my account was temporarily opened. I was notified by SSDI that they havent even returned the funds. What was told by SSDI that theyre back office has to return the funds because its showing that they received it. If they were closing my account, I shouldve been notified and I shouldve had a check from the funds that were in the account immediately by next day delivery. I mentioned multiple times the urgency but I guess my health, medications, and hardship didnt mean anything to them. XXXX XXXX lies about everything and never made me aware of important information that wouldve prevented my frustrations and anger. Her demeanor is rude and disrespectful that caused me to react. I have no idea how she got the position that she has. Im beyond angry over everything. And they have taken thousands of dollars out of my account for charges that I didnt do and when I notified the bank they said it wasnt any charges with XXXX but that wasnt true. They dont want to give me my money for all the disputes.
Consumer complaint received 2024-07-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

XXXX XXXX AND XXXX  XXXX are being reported late ( 2 months behind ), XXXX CLAIMED IT WAS VERIFIED, but failed to disclose physical proof of the verification, which is why im infuriated because the accounts are either up to date and current no missed payments and one is paid off, reflects no balance which iv included the screen shots from the actual accounts from my affirm client portal, thats how i know XXXX DID NOT VERIFY THESE ACCOUNTS AND IS AT LEAST responsble under FCRA section 607 ( b ) provides that [ w ] henever 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.
Consumer complaint received 2024-06-06
Product: Debt or credit management — Debt settlement
Issue: Confusing or missing disclosures — 
Company: SYNCHRONY FINANCIAL (FL)

In XX/XX/XXXX I took out a an interest free furniture loan from XXXX XXXX. It was to be interest free for the first year. I made timely payments. In XX/XX/XXXX a balance still remained. Without a phone call or any proof of mailing at this time they started to charge interest on the original principle amount, not based on the unpaid principal as of XX/XX/XXXX. I feel this practice was not explained to me properly and that XXXX XXXX is predatory in every sense of the word. I was told at the time of purchase that I would only owe interest on the unpaid balance. Numerous phone calls by the hour have not helped to fix this issue.