davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-30
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (IL)

On XX/XX/XXXX, I received an unexpected text from Chase advising that both of my credit cards were going to be closed. I immediately called Chase customer support to ask why as I have had these accounts for long periods of time and have never missed any payments. XXXX XXXX XXXX ( ... XXXX ) for over 4 years and XXXX XXXX ( ... XXXX ) for over 16 years. I further explained that I was a loyal customer and enjoyed the rewards that the cards offered and to please reconsider. XXXX, the customer support person said he understood and would escalate a ticket to management for review. Every time I called to follow up asking if the manager received and reviewed my ticket, I was told to wait for a letter in the mail. I received a letter dated XX/XX/XXXX saying the accounts were still getting closed due to " unexpected activity on these or another Chase account. '' I called Chase customer support again and this time I was transferred to a manager who could not explain what the unexpected activity was. The manager said to wait for another letter for an explanation from Chase and not the credit card company. Today is XX/XX/XXXX and I have not received any explanation.
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, IA XXXX Subject : Formal Complaint Regarding Inaccurate Late Payment Information on Credit Report Dear CFPB, I am writing to formally lodge a complaint regarding inaccurate late payment information reported by XXXX on my credit report. The late payments in question were marked on the following account ( s ) on the respective date ( s ) : LATE PAYMENT DAY : XX/XX/XXXX Under 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), it is my understanding that my consumer report should not contain information related solely to transactions or experiences between myself, the consumer, and the person or entity providing the report. The inclusion of late payments as part of my payment history negatively impacts my consumer report, and I believe this is in direct violation of the aforementioned statute. 
Additionally, I am requesting that XXXX provide , in writing, the reasonable procedures it has adopted to ensure that each periodic statement is mailed to me no later than 21 days before the payment due date, as required under 15 USC 1666 ( b ). This should also include all information mandated by 15 USC 1637 ( b ). 
Per the Fair Credit Reporting Act ( FCRA ), you have 30 days from the receipt of this letter to provide me with the requested information. If the information is not provided within this timeframe, I will assume that you are unable to verify the accuracy of the late payments listed above, and I request that these late payments be removed from my account and consumer report with all relevant consumer reporting agencies, including but not limited to Equifax, XXXX, and XXXX. 
Please ensure that any corrections made to my account are forwarded to my address as listed below. I appreciate your prompt attention to this matter and expect a resolution that accurately reflects my account standing. 
Thank you for your time and consideration. I look forward to a positive response. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX
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: CITIBANK, N.A. (FL)

I am writing to formally dispute inaccurate information on my XXXX credit report. Upon reviewing my credit report, I noticed discrepancies regarding my Citi card account ( Account Number : XXXX ). The report inaccurately indicates two consecutive 30-day late payments for XX/XX/year> and XX/XX/year>. This account has always been paid on time, and it is not possible to have two consecutive 30-day late payments. 

Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to ensure that all information reported is accurate and complete. Therefore, I am requesting an immediate investigation into this matter and an update to my credit report to reflect these payments as on time. 

Please find attached a copy of my credit report with the disputed entries highlighted. I expect this issue to be resolved promptly and for my credit report to be updated accurately. 

Thank you for your understanding and swift action in correcting this error.
Consumer complaint received 2024-06-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Affirm Holdings, Inc (OH)

I reached out to this creditor as there are reporting false information on my credit profile, I requested proof of ownership of the account and contracts and I also requested a copy of the information that was used to verify these accounts as accurate and I was never supplied with any information!!
Consumer complaint received 2024-09-04
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE (CA)

I received a statement by mail back in XXXX for this account. I called to let them know that I never applied for this credit card and that the charge of {$24.00}. They told me theyd report the charge and close the account. I again received a statement but this time by email letting me know my payment was due. I called again four times on Monday XXXX to get this handled because the fraud charges have acquired interest. The new total is {$51.00}. I let them know this was not my charge and they confirmed that the account was closed. I then got transferred to fraud and security where I was hung up on repeatedly. I called back today XXXX to try again and they are being unhelpful. I was given a number for Fraud, I called and they said that the employee gave me the phone number for collection to collect my past due payment. I again let them know that I never opened this card and they said they are working on it, which is the same thing I was previously told in late XXXX. This is affecting my credit score and I refuse to pay them for a charge that is fraud. They refuse to help me with this. 

Company : Barclay
Consumer complaint received 2024-06-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: JPMORGAN CHASE & CO. (GA)

the companies have lest on my credit report accounts that are clearly not mine and i have requested verification and asked for them to be deleted such as XXXX XXXX XXXX jpmcb XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: FC HoldCo LLC (TX)

My account with FLAGSHIP CREDIT ACCEPT was never late! I have had exceptional payment history witH FLAGSHIP CRD and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XXXX XXXX XXXX XXXX  to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 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.

FLAGSHIP CREDIT ACCEPT Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Consumer complaint received 2024-06-17
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc. (KS)

I was scammed by a guy I met through a home remodeling company named XXXX XXXX XXXX XXXX  servicing the XXXX XXXX KS and MO areas. His name is XXXX XXXX XXXX and he gave me one of his business cards. I looked up XXXX XXXX  XXXX XXXX and there are at least 33 of them and most have some variation of the name XXXX XXXX XXXX All family and friends related. Stretching across the United States. He mentioned that he has a LLC and that they are easy to get. I believe he said his siblings have a LLC. He accessed Cash app on my cell phone while I was taking a shower and cash apped himself {$2200.00} from my bank account on Sunday, XX/XX/year> around XXXX using Cash app ID $ XXXX. When I got out the shower I noticed he left the house and my cell phone was moved. I checked and saw that he cash apped himself monies from my bank account. I immediately reported it to Cash app within 30 minutes of XXXX robbing me. I immediately disputed the charges. I called Cashapp support the next day and was scammed by Cashapp again. This time I was taken for {$390.00}. While on the phone with the Cashapp Support Rep I receive a call. The Cashapp Support Rep said that he was calling me from another number to continue assisting me in receiving a refund of the {$2200.00} that was stolen. The Cashapp Support Rep used a screen sharing app and gained access to my accounts. I was left with two negative bank accounts. XXXX blocked me on Cashapp and his phone. I reported it to the XXXX Police department, XXXX police report # XXXX. XXXX XXXX believed I was scammed both times by the same individual or individuals and included all info in one report.
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Advanced Resolution Services Inc. (CA)

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : XXXX XXXX XXXX
Consumer complaint received 2024-06-12
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (FL)

I have a registered security with chase and i have not received principal or interest. Chase did not credit my account via my dividend payment? / payment coupon on the bond. Please do not reply saying anything referring to a credit card agreement this is a notice of default because again I have not received my dividend payment attached to the bond that I received. Per the indenture agreement dated XX/XX/year> between JPMorgan Chase as the issuer and XXXX XXXX XXXX XXXX XXXX as the indenture trustee. Chase has the obligation to duly and punctually pay all principal of and interest on each XXXX. 


Section XXXX Payment of Principal and Interest. The Issuer covenants and agrees for the benefit of each series of Securities that it will duly and punctually pay or cause to be paid the principal of, and interest on, each of the Securities
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: LEXISNEXIS (OR)

Looking over my credit report I have found several inaccurate accounts that are hindering me from getting a house. I am so displeased with the way my information was used. I was trying to buy a home for my family, and I got denied due to damages on my consumer credit report. This is defamation of my character, and it's hindering my success. I take my livelihood very seriously, and I expected you all to as well. According to 15 U.S.C & 1681, you are supposed to promote fairness and accuracy on my credit report. But all I see are fraudulent and INACCURATE accounts. I have been a part of several breaches, so at this point, you all should be protecting my privacy. This is detrimental to my emotional and psychological health and is causing a strain on me and my family to the point we are seeking therapy. I don't have access to buy a house now. I am enforcing my rights, and I expect you to be more ethical with my information. According to 15 U.S. Code 1681s2, not one credit reporting agency should be reporting any inaccurate information anyways due to neglect use considering that I was in breach. I need help now so I can proceed to buy my family a house.
Consumer complaint received 2024-06-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Nelnet, Inc. (FL)

" 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.

I recently reviewed my consumer report and noticed an incorrect late payment record on my SLOAN/NELNET - XXXX, SLOAN/NELNET - XXXX, SLOAN/NELNET - XXXX, SLOAN/NELNET - XXXX, SLOAN/NELNET - XXXX, SLOAN/NELNET - XXXX. 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 2024-09-03
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. (OH)

I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.
Consumer complaint received 2024-08-29
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Bread Financial Holdings, Inc. (FL)

I got a Credit card offer from Zales XXXX  years ago when I went to the store to buy my wedding rings. They sold me the Idea that I will get XXXX months promotion deal if I purchase XXXX dollars ( installments payment ). I made every single payment monthly and at the en of the period they found the way to state I didnt pay my promotional offer on time., and charged me {$2000.00} of interest. 

They said I had to pay the promotion before the credit card cut day. I called and spoke with XXXX people on the bank and they just said there is nothi they can do as per I called more than 3 day after XX/XX/XXXX. ( Day that my credit supposed to cut and I supposed to have XXXX day to pay ) they insisted that for promotion I dont have those XXXX  days and had to pay on the XXXX. Thing that do not happened to me before and I really have use this kind of promotions with other stores/banks. 

I think that this is a mala praxis and they are stealing money from the consumer as per they do not inform the consumers of the difference in the way they should pay Comenity Bank for this promotions. 

Nobody would take a CC promotional offer if will not be paid as a Credit card., and also if a consumer have a good history of credit and made the whole XXXX payments on time, how come they just get charged XXXX dollar if there is not a misunderstanding! 

Bank refused to do anything to solve this issue even after a complaint every were including XXXX 

Im not the only one who has been complaining about this issue and this bank should be investigated as per they do this and more things like this to the clients. 

I dont think I have to pay {$2000.00} just because they are not doing business correctly and they are abusing of the consumer
Consumer complaint received 2024-09-03
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. (GA)

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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries. 

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 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Im requesting your assistance with a misreported account on my credit report. This error has hurt my reputation, and I need your help to resolve it. Your improper handling has caused severe issues, and I need these mistakes corrected for the sake of my family.
Consumer complaint received 2024-06-10
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIBANK, N.A. (IN)

I am writing to urgently address an ongoing issue with my account related to a recent vehicle rental from XXXX. In XX/XX/XXXX, I rented a vehicle and returned it in XX/XX/XXXX. Subsequently, I noticed recurring charges on my account despite the vehicle being returned. Despite being assured by a XXXX representative that the extra charges would be refunded, the problem persists after multiple follow-up calls. 

During my recent conversation, a representative informed me that there was nothing they could do to assist and advised me to contact my bank. Unauthorized transactions were made to my account, and despite efforts to resolve this matter directly with XXXX, the issue remains unresolved. 

I had a conversation with XXXX from Citi Bank disputes department, and she informed me that my account had been charged XXXX times for a total of {$8200.00}. She submitted several complaints on my behalf and provided me with reference numbers. However, although she assured me that my account would be credited for the unauthorized charges, my account currently only reflects a balance of {$800.00}, which has only worsened the situation. 

I am formally requesting the immediate removal of these unauthorized charges from my account and the corresponding finance charges to be credited back. Further, I am requesting a corrected statement that reflects these adjustments. 

I am also requesting Citi Bank to conduct a thorough investigation into this matter and rectify the unauthorized charges promptly. Additionally, I request copies of all applications and business transaction records related to these fraudulent activities in accordance with FACTA regulations and my status as a victim of identity theft. These records can be directed to the address on file. 

I sincerely appreciate your immediate attention to this matter and eagerly anticipate your assistance in addressing this issue.
Consumer complaint received 2024-06-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Fay Servicing, LLC (FL)

Loan Payoff Balance Too High - Loan XXXX XXXX ) Home Purchased XXXX XXXX for {$180000.00} ( XXXX XXXX XXXXXXXX ), interest rate fixed at 7 % 2 ) Current Balance XX/XX/XXXX : {$170000.00} 3 ) Mortgage companies repeatedly switched between XXXX : Original - XXXX XXXX XXXXXXXX XXXX XXXXXXXX Fay Servicing 4 ) Mortgage Modifications under Fay Servicing is attached 5 ) Personal calculation for the Mortgage balance estimate : {$52000.00} Compa