davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-21
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (FL)

Hello, I am writing to file a formal complaint against Chase Bank regarding the handling of a refund for my closed account. 

Over a month ago, Chase Bank closed my account without any prior notice or clear reason. Recently, I received a refund from a merchant, XXXX, who confirmed that the funds were released to my closed account on XX/XX/year>. The details of the refund are as follows : {$170.00} {$170.00} {$74.00} XXXX  provided me with the Acquirer Reference Numbers ( ARNs ) for these transactions to facilitate the trace of these funds : {$74.00} - XXXX {$170.00} - XXXX {$170.00} - XXXX I contacted Chase customer service and was transferred to several representatives. Each representative informed me that they could not assist me because my account had been closed. Despite my attempts to provide them with the XXXX numbers, they refused to accept this information or investigate further. 

XXXX has assured me that they no longer hold the funds and that the refund process is fully automated on their end. They advised me to contact Chase with the provided XXXX  numbers to trace and locate these funds. 

I am now at my wits ' end and do not know where else to turn to retrieve my funds. Chase Bank 's refusal to assist me in this matter is unacceptable. I request that the CFPB intervene to help resolve this issue and ensure that I receive the funds that are rightfully mine. 

Thank you for your attention to this matter.
Consumer complaint received 2024-07-02
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC. (MN)

I am writing to file a formal complaint against Ally Financial Inc . I believe this company has possibly engaged in improper repossession practices. Im thus seeking more information regarding what exactly happened here. On the following page, youll find more details about our complaint. 

To help you identify me, my name is XXXX XXXX. My date of birth is Date of Birth : XX/XX/year>. My Social Security Number ends in SS # : XXXX Please forward this complaint to the agency mentioned above. You may reply to this complaint by email or written mail. Please see below.
Consumer complaint received 2019-07-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (WA)

I have provided to XXXX, Experian and XXXX, proof that I have never been late on my XXXX   accounts. I have requested that they remove the lates. I have uploaded the proof they need dating back past when they said I was late. XXXX told me they reported it in error but still nothing has been done. I am extremely frustrated by the lack of help all three credit bureaus have been.
Consumer complaint received 2024-06-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

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.

15 U.S.C 1681 section XXXX A. States I have the right to privacy.

15 U.S.C 1681 Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) 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 XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( XXXX ) 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 2024-07-01
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: SYNCHRONY FINANCIAL (AR)

I was a XXXX XXXX customer and got a XXXX XXXX card to earn more cash-back rewards ( XXXX Dollars ). I used the XXXX card for various purposes and accumulated a significant amount of cash-back rewards. However, I stopped being a XXXX XXXX customer on XX/XX/year>. I believed that since the Visa card was issued by Synchrony Bank, I could still use it and continue earning rewards, as no one from XXXX XXXX or Synchrony Bank mentioned otherwise. 

So, I kept using the card and earning rewards. Recently, when I tried to use the XXXX Dollars I had collected, I was informed that I could not use them and that there was nothing I could do about it. I requested they explore other options to use the rewards, and I was told that I must have a XXXX XXXX account to use XXXX Dollars. So, I got a new line with XXXX, but I still couldn't use the XXXX Dollars I had accumulated for over a year. 

When I contacted customer care services, I was bounced back and forth between Synchrony Bank and XXXX. Each kept telling me to call the other company. Finally, XXXX representative told me that I needed to sync my XXXX card to my XXXX XXXX account through Synchrony Bank, but the representative there said they could not do it. As a result, I was told I wouldn't be able to claim my hard-earned cash-back rewards ( XXXX Dollars ) at all.
Consumer complaint received 2024-06-19
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC (NJ)

Back in XXXX, I moved out of my apartment in XXXX XXXX after I purchased a house in XXXX. My brother told me that he mailed the the cable back to XXXX but XXXX never received it. I went away on XXXX XXXX over see and when I can back in XX/XX/XXXX, I found the cable box in my possession. 

I called XXXX and told them about it, they reached out to me and gave me a mailing label ( UPS Tracking # : XXXX ) to sent it back. I checked the tracking number and it no longer registers since it's been so long. I promptly returned it and I received an email confirmation from them that they received it. 

I called back because I saw it was still showing up on my credit report from Transworld systems inc. I reached out to Transworld to removed it, they refused ; the rep told me in affect that, she doesn't care if I returned the box back to XXXX, I still have to pay them to remove it from my credit report. I'm at lost as to what I need to do. I don't want to be bullied into paying for something I no longer owned
Consumer complaint received 2024-07-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (CA)

These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.
Consumer complaint received 2023-02-15
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: ZuntaFi Corp (TX)

On XX/XX/XXXX I purchase a vacation package for {$19000.00} from XXXX XXXX XXXX from their saleslady XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to XXXX XXXX, Zunta Fi, AddressE : XXXX XXXX XXXX, XXXXXXXX XXXX XXXX Phone # ( XXXX ) XXXX was the loan lender. Zunta Fi was offering 18 months free interest, a monthly payment of {$440.00}, with an interest rate of 25 %. XXXX XXXX give me a paper stating that in a business day or two I would receive an e-mail with the lenders loan contract. I was extremely worried about not receiving a lenders loan contract and decided to cancel the vacation contract. On XXXX I called XXXX XXXX and inform her that I was cancelling the vacation contract. XXXX XXXX became extremely upset and profoundly angry. She was no longer the sweet and honest devout XXXX lady she had projected to be. She was now ruthless and extremely angry and unwilling to work with me if I insisted on cancelling their contract. I hired the law firm of XXXX XXXX and my attorney is XXXX XXXX P # ( XXXX ) XXXX. On XX/XX/XXXX I made my first payment to Zunta Fi and made all my payments on time, except the XXXX. I called Zunta Fi several times requesting my lender contract, each time they promise to e-mail me one but they never did. In XXXX I found out that Zunta Fi had withdrawn XXXX payments in XXXX, XXXX, and XX/XX/XXXX. Zunta Fi had withdrawn XXXX extra payments without my authorization .Zunta Fi return the XXXX and XXXX payment but for some reason kept the XX/XX/XXXX payment. I kept asking them to return the XXXX XXXX payment and they said they would but took their time returning it XXXX XXXX I received an e-mail from Zunta Fi that they were transferring my account to XXXX XXXX XXXX XXXX XXXX XXXX, address : XXXX XXXX XXXX, XXXX XXXX XXXX.XXXX XXXX # ( XXXX ) XXXX. ON XXXX and XXXX I called Zunta FI and ask them if I could stop the transfer, they said NO. I also asked if the new company was going to honor the interest free and they said, YES. I ask them about the payments and was told I would be making the payments to XXXX and that my date might change .I requested my XXXX payment and they send it back to me. I ask for the balance and was told it was {$16000.00}. XXXX is now saying that because the XX/XX/XXXX payment was not made I loss the interest free and now interest has been applied to the loan and all this was done by Zunta FI. I got a call from XXXX who works for Zunta FI and she stated that they transferred a balance of {$16000.00} and that any other amount was done by XXXX. THE RELIEF : I am seeking is for ( 1 ) the original contract from ZUNTA FI be canceled completely and all my payments return. ( 2 ) since the XXXX payment was miss by deceiving me into not making that payment it would only be fair to allow me to make that payment and the interest that has been added remove and allowing me ten business days to transfer the balance XXXX to another lender. One that I choose.
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Rocket Mortgage, LLC (TN)

In XX/XX/XXXX I was XXXX paying my mortgage. I applied for a loan modification in XX/XX/XXXX and was told to make XXXX  months of payments at the new amount and they would make the new amount permeant. I made all payments on time but they reported me XXXX days late every month until XX/XX/XXXX. They should have only submitted the XXXX late payment from XXXX but have shown me late even when making all payments at their new amount on time since.
Consumer complaint received 2024-06-19
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. (CA)

I am writing to you yet again regarding a persistent issue on my credit report concerning my XXXX account. Despite my multiple previous letters, the error has not been rectified, and I must insist on your immediate attention to this matter. XXXX Bank has confirmed that a mistake occurred due to an issue with their recording software, which resulted in my payments not being processed accurately. Consequently, my account has been inaccurately reported as delinquent. XXXX has acknowledged this error and has agreed to update the status of my account to reflect that it is open and never late. They have assured me that they have communicated this correction to all relevant credit reporting agencies. Despite this, the erroneous information remains on my credit report, unjustly affecting my credit score and financial standing. This is causing significant distress and potential financial harm, and it is imperative that this error be corrected without further delay. 

XXXX XXXX XXXXXXXX
Consumer complaint received 2024-09-03
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: GREEN ROAD FINANCE INC. (CA)

My issue lies with XXXX XXXX being predatory and dishonest. My interest rate on my XXXX loan was 23.99 % I have attached my contract which was the only contract I was ever given from the original lien holder XXXX XXXX back in XXXX of 2018. My loan was sold off to XXXX yet no other contract was ever given to me nor was there any mention of a Balloon payment at the end of my loan. My contract states that I owe XXXX each month for the life of the loan. I have been late many times with XXXX but was able to pay the late month payment along with a XXXX $ late payment fee to them. I was fine with that What I did not know was their dishonest ways of adding on 19 % each day my payment was late. This accrued to what became my balloon payment and was only explained to me by XXXX XXXX XXXX when I received the last statement letter that had the amount due of approx. XXXX $ I had no idea that this was protocol nor was it written or verbally explained to me that the additional daily late fees were in effect that resulted in a balloon payment. Throughout the XXXX  year loan my vehicle was repossessed twice and each time I managed to get it back by paying their high fees and towing expenses towing my truck almost XXXX miles from my house and the daily impound fee which added up since I couldn't get to my truck being so far away right away. I paid those fines and got my truck back Currently they repossessed my truck again because of my late payment on the ballon payment that they were demanding. I could only pay about XXXX $ each month to get the remaining amount down. It wasn't enough time. So after XXXX  years, I ended up paying over XXXX $ on a truck that was originally listed for XXXX XXXX Yet I have nothing to show for it now. And a negative mark on my credit report.
Consumer complaint received 2024-07-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CLGF Holdco 1, LLC (VA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX XXXX ( XXXX ) XXXX Dear Cfbp, I am writing to request the removal of the following closed credit account from from my credit report : XXXX - Retail Date closed : XX/XX/year> Reported XX/XX/year> This accounts were closed by my request and is no longer active. I would appreciate it if you could remove this from my credit report to ensure its accuracy. 

Please investigate this request and take the necessary steps to remove these accounts from my credit report. If additional information is needed, please let me know. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-09-27
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO. (CA)

My account with chase for XXXX  years was closed by chase for a confidential reason, and they told me that I can not open another account with chase for no reason, ever, permanently. 

None credit issue nor anything fraud/crime related was committed prior to that.
Consumer complaint received 2023-02-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: LCI Acquisition Inc. (FL)

This is a not a duplicate complaint and the reason of this complaint because I'm a victim of identity theft, my personal information has been stollen, and I'm a doctor on a wheelchair, I'm very limited to go anywhere. I can't file police report over the phone at this point. I recently checked a copy of my credit report and noticed some addresses reporting that do not belong to me or have been obsolete for an extended period of time. For the safety of my information, I hereby request that the following obsolete addresses be deleted from my credit reports immediately ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL ABOVE ARE NOT MINE, AND MUST BE DELETED. 
I have provided my identification card and social security card to verify my identity and current address. Please notify any creditors who may be reporting any unauthorized past accounts that are in connection with these mentioned addresses as I have exhausted all of my options with the furnishers.
Consumer complaint received 2024-06-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I am writing to seek your assistance in removing fraudulent items from my credit report. Despite multiple attempts to resolve this issue directly with the credit bureaus and creditors, the fraudulent items remain on my report, severely impacting my creditworthiness. This is my request for intervention, and I am in urgent need of your help to rectify this matter. Despite these efforts, the fraudulent items have not been removed from my credit report. I have enclosed copies of my previous correspondence and all supporting documentation for your review. 

I respectfully request that you could investigate this matter and assist me in the removal of these fraudulent items from my credit report. Your intervention is crucial in ensuring that my credit report accurately reflects my credit history and that I am not unjustly penalized for fraudulent activities beyond my control. The following items should be remove as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-07-01
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: EQUIFAX, INC. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX SS : XXXX Tel : XXXX XX/XX/2024 I request that you update my personal information on my credit report so its accurate. 

Please update the following : My primary mailing address - XXXX XXXX XXXX XXXX XXXX CA XXXX My primary phone number - ( XXXX ) XXXX My primary email - XXXX My current employer - XXXX XXXX XXXX Position - XXXX Thank you XXXX XXXX
Consumer complaint received 2023-10-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

Dear Equifax, I hope this letter finds you well. I am writing to bring to your attention a concerning matter regarding my consumer credit report. It has come to my attention that an account has been deleted from my report without my authorization or request. 
I recently reviewed my consumer credit report and noticed that the XXXX XXXX  has been deleted from my consumer credit report. I want to clarify that I did not initiate this deletion, nor did I provide any consent for such action. This unauthorized deletion has raised concerns and questions regarding the accuracy and integrity of my consumer credit report. 
As a responsible consumer, I understand the importance of maintaining accurate and up-to-date credit information. It is crucial for me to have a comprehensive and reliable consumer credit report to make informed financial decisions and ensure the accuracy of my creditworthiness. 



I kindly request that you investigate this matter promptly and provide me with a detailed explanation as to why this account was deleted without my consent. Additionally, I would appreciate it if you could reinstate the account on my consumer report until a thorough investigation is conducted. 



Furthermore, I would like to be informed of any steps taken to rectify this situation and prevent similar incidents from occurring in the future. It is essential that Equifax maintains the highest standards of accuracy and security when handling consumer credit information. 



I expect a prompt response within reasonable timeframe to address this matter and provide me with the necessary information. 



Thank you for your attention to this matter. I trust that you will handle this issue with the utmost professionalism and resolve it in a timely manner. I look forward to your prompt response.
Consumer complaint received 2024-06-04
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: Experian Information Solutions Inc. (CA)

I am writing to follow up on my dispute regarding several negative items currently listed on my credit report. Despite my previous correspondence and efforts to resolve these inaccuracies, I have yet to receive a satisfactory response. The presence of these unverified and inaccurate items is of great concern and requires immediate action.
Consumer complaint received 2023-10-27
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: WELLS FARGO & COMPANY (TX)

Dear CFPB, I am writing to express my dissatisfaction with the way Wells Fargo has handled my disputes. They have intentionally made the process difficult and delayed resolution, ultimately resulting in transactions remaining unresolved for over 120 days, some of which have not even been submitted as disputes. 

I am providing the following claim IDs for your reference : XXXX XXXX XXXX I urge the authorities to oversee this matter and hold this bank, which is clearly neglecting consumer rights, accountable for its actions. 

Sincerely, XXXX