davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-22
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY (FL)

XX/XX/year> I purchased an item advertised on TV for the amount of {$44.00} instead they charged my bank card {$190.00}. The next day I called the company and told them to stop the order because it was false advertisement and reached out to Wells Fargo. Told them about the issue, they opened up and investigation. The company told me it was already shipped but once I get it return it and once they get it they will return the money and they did..I have proof of the returned item showed it to Wells after a number of back and forths issue with wells the could not communicate with the company and decided to take the money back from my account and close my case .after numerous complaints they refused to give us our money back and we never received the item because we returned it
Consumer complaint received 2024-06-25
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO. (KY)

I had opened a new chase account using a promo for a {$300.00} new account bonus. It stated I needed direct deposits totaling {$500.00} or more made to this account within 90 days of coupon enrollment. Within the first month I had deposits over {$700.00} and again the second month. I have not received the bonus after having the account for well over 90 days. Customer service stated that a singular deposit needed to be over the amount. However, the language states " deposits '' totaling {$500.00}. Any other checking bonus I have encountered in the past has been deposits reaching a dollar limit and not singular higher than an amount.
Consumer complaint received 2024-06-25
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Bread Financial Holdings, Inc. (NJ)

I am disputing the above referenced debt. Part of the FCRA as a federally protected consumer, I am now opting out of any and all authorizations of anything that is on my credit report. If you have already reported this debt, please contact the credit reporting agencies, inform them that the debt is disputed, and ask them to delete it from my credit report.
Consumer complaint received 2024-06-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I am writing to formally request the removal of incorrect information from my credit reports with the three major credit bureaus : XXXX, XXXX, and TransUnion. Despite numerous disputes regarding this matter, the inaccuracies remain unresolved. 

Specifically, the issue pertains to my XXXX XXXX account ending in XXXX. I have recently received a letter from XXXX XXXX dated XX/XX/XXXX, which acknowledges the errors in the reported information. The letter explicitly states that the Account Status, Account Description, Date of Last Activity, Date of Last Payment, and Term Length were inaccurately reported, and it requests that the Consumer Reporting Agencies ( CRAs ) remove the incorrect information immediately. 

The details that need to be corrected are as follows : Account Status : Correctly Settled Account Description : Not Reported Date of Last Activity : Not Reported Date of Last Payment : XX/XX/XXXX Term Length : Not Reported Given this clear directive from Capital XXXX, I am requesting that the CFPB intervene to ensure the CRAs comply with this correction without further delay. The continued presence of this incorrect information on my credit reports is causing significant harm to my financial standing and personal well-being. 

If this matter is not resolved promptly, I will have no choice but to pursue further action to enforce compliance with the Fair Credit Reporting Act ( FCRA ). Such action may include seeking damages for the continued violation of my rights under the FCRA. 

Enclosed, please find a copy of the letter from XXXX XXXX for your reference. 

Thank you for your prompt attention to this matter. I look forward to your swift response and resolution of this issue.
Consumer complaint received 2024-06-21
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: AMERICAN EXPRESS COMPANY (VA)

This creditor engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. According to 15 USC 1666b it is a billing error I did not receive a statement 21 days before the late payment error. If finance charge included, there should be no late payments pursuant 15 USC 1605 ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full.
Consumer complaint received 2024-06-25
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: AXOS FINANCIAL, INC. (FL)

Before the pandemic, I kept around $ XXXX in UFB high yield savings. One day I went online to check my account and found that there was a checking account worth over XXXX XXXX XXXXXXXX dollars tied to my account, over {$550000.00}. This is not my money. The account is held by XXXX XXXX XXXX XXXX XXXX. My bank, XXXX XXXX, used to be XXXX XXXXXXXX XXXX XXXX XXXX 

I immediately contacted UFB to inform them of the error. They said, well, just delete it. Frankly, I am so paranoid over this, I will not touch it. They made the error, they need to clean it up. 

Meanwhile, I removed all my money except for {$.00}. I kept that so that I can check on the account. Sure enough, they still have the XXXX XXXX account tied to my UFB account. I have written them again.

This has been going on since before the pandemic ; I'm not sure how long.
Consumer complaint received 2024-06-21
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (TX)

Case # with Citibank is XXXX XXXX ) XXXX XXXX I saw a transaction on my Citibank phone app, which I did not recognized. The amount charged was XXXX for XXXX XXXX FL, dated XX/XX/XXXX. I contacted Citibank and alert them regarding this charge. Citibank immediately cancelled the card and send me a new card. At the same time, put the charge on hold while they investigate. 

I advise the customer service rep that I have recently cancelled a booking with Norwegian cruise line which also include airfare so this charge could be the agent forgot to cancel the air portion. 

XXXX ) XX/XX/XXXX, I received the XXXX paper statement from Citibank, showing a clear description of name and booking for the XXXX charge and I was alarmed, I called Citibank again and bought to their attention that this should be treated as fraud case going forward. 

XXXX ) XXXX XXXX - Received letter from Citibank with a copy of the merchant 's respond and the flight manifestation, showing XXXX airline reservation dated XX/XX/XXXX for flight from XXXX to XXXX with XXXX adult female and XXXX children. The flight was booked at XXXX and they flew out the same day at XXXX. Merchant stating that the charge is non-refundable, and the flight completed. In order to further the investigation, I have to submit additional documentations to proof that a refund is warranted. 

XXXX ) XXXX XXXX I contacted Citibank by phone stating this should be a FRAUD case, not a case for cancellation or refund of the airfare. I do not know the person who book the flight, she stole my card information, book the flight and flew out on the same day, clearly to avoid been caught. I am not requesting for refund ; this should be an investigation for fraud. 

XXXX ) XXXX XXXX I submitted a signed letter with above information to Citibank customer service and formally requested to continue the investigation as a fraud case, not a request for refund. 

XXXX ) XXXX XXXX Citibank again closed the investigation and revert the charge, stating they have made every effort to resolve the dispute with merchant but was not able to give me a refund, since my initial call to them is for cancellation, they are not able to treat this as a fraud case. as its the rule for XXXX. 

I have since reach out to both XXXX airline and XXXX without any success. Everyone agreed this is clearly a fraud case, including Citibank fraud team yet they are not willing to honor the XXXX XXXX liability protection policy. 

Attached you will find flight manifest provided by merchant to Citibank and my request for fraud investigation. 

Apology for the long explanation. Looking forward to your advise. 
thank you XXXX XXXX
Consumer complaint received 2024-06-26
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (FL)

On XX/XX/XXXX, my wallet was stolen/misplaced. 

And my debit card with Chase was used 6 times for a total $ amount of {$430.00}. These transactions were not authorized.

I reported this to Chase immediately as soon as I saw the email about weird transactions on my card on XX/XX/XXXX, and it was resolved as of XX/XX/XXXX. 

But now on XX/XX/XXXX, they send me a letter saying the transactions were authorized by me. Which they were not authorized by me nor was my pin used to process the transactions.
Consumer complaint received 2024-06-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (CA)

Ive attempted to discuss the issue with transunion they are refusing to comply and are not removing a negative account from my credit report. Its under investigation passed 30 days. They said they did a thorough investigation but they are lying since the account has not been reported or updated since XX/XX/year>
Consumer complaint received 2024-06-22
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Banking errors
Company: GOLDMAN SACHS BANK USA (IL)

Goldman Sachs illegally and fraudulently processed a second unauthorized transfer associated with a Goldman Sachs XXXX from my bank linked personal account in the amount of {$8200.00}. The first illegal transfer of {$13000.00} was investigated per the response and case number below and funds returned, indicating a known major security breach at Goldman. 

XX/XX/XXXX a transaction was processed for {$8200.00} to my personal checking account with the description " WEB GOLDMAN SACHS XXXX COLLECTIONS ''. We have subsequently frozen all linked bank accounts and my personal bank has launched another investigation and I have provided FBI authorization to investigate and prosecute. 

I also notified Goldman Sachs fraud investigation unit and after explaining the detail literally 5 times over one hour they assigned case number.

i also requested all accounts be closed and funds and interest to date returned. 

These major security breaches need to be investigated and resolved- this repeating issue has resulted in personal damages, financial losses and mental stress. 

The original response is not accurate in that 1 ) Goldman did not attempt to contact me 2 ) the account was obviously not restricted by the bank.

Original response is noted below : CFPB Response XXXX # XXXX ( Rec 'd XX/XX/2024 ) XXXX by Goldman Sachs , a brand of Goldman Sachs Bank USA ( the Bank ) , received the above-referenced complaint via the Consumer Financial Protection Bureau Complaint Portal on XX/XX/2024. The Bank appreciates the opportunity to address the concerns raised by XXXX XXXX ( the Customer ) related to an unauthorized transaction from their external bank to their Certificate of Deposit ( CD ). On XX/XX/2024, the Customer contacted the Bank about an unauthorized transfer from their linked external account to their CD. Subsequently, the Bank opened an investigation and identified security concerns regarding the Joint Owner and restricted the CD until the security concerns could be resolved. On XX/XX/2024, the Bank attempted unsuccessfully to contact the XXXX XXXX to resolve the security concerns, thus the security concerns remained. The following day the Bank reversed the unauthorized transfer. The Bank requests the Joint Owner to contact the Bank to clear the security concerns. The Bank may be contacted toll-free at XXXX ( XXXX XXXX ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Based on the above details, the Bank kindly requests that this complaint to be closed.
Consumer complaint received 2024-06-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

My account with XXXX XXXX XXXX - XXXX was never late! I have had exceptional payment history with XXXX  XXXX 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 me 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 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. 


XXXX XXXX XXXX - XXXX 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 2024-06-25
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: CREDIT ACCEPTANCE CORPORATION (VA)

Whomever this may concern. When I first purchased the XXXX XXXX XXXX in XX/XX/XXXX from XXXX XXXX XXXX XXXX XXXX XXXX, I tried to return it the second day. The company did not have a posting saying no returns. When i tried to return it after they tried to fix it twice. I called Credit Acceptance to see what they could do or any options that i have since this is my way of living, they told me I couldn't do anything. I've also asked for a copy of my warranty which I have yet to receive. This car has caused me great XXXX, money, and loss of more than one job because it does not run properly. Also, when I signed the contract it was for XXXX not for what they are trying to charge me now. They overcharged me, putting me in great debt. I will have to take further action if this is not investigated. My car is in the shop right now for the XXXX time for the same issue that I have to keep paying for. I have been truly tricked out of my money and a car. I would like to request a timely response or propose a meeting to discuss the issue further.
Consumer complaint received 2024-06-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-06-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

According to FCRA section 605B it is illegal to report information on my credit report without my permission please remove this off my credit report. Thank You XXXXXXXXXXXXXXXX XXXX THESE ARE AFFECTING ME GETTING MY HOME APPROVED. IF I MISS MY OPPORTUNITY TO CHANGE ME AND MY FAMILY 'S LIVES I AM GON NA FILE A LITIGATION LAWSUIT WHICH WILL COST MAJORLY FOR THE VIOLATIONS OF THESE ACCOUNTS CAUSED BY XXXX XXXX XXXX 18USC1028A 15USC1681B NO PERMISSIBLE PURPOSE 5USC552A PRIVACY LAW FCRA VIOLATIONS FOR UPDATING THE ACCOUNT AS VERIFIED WITH NO PROOF OF WET INK VALIDATION AFTER A FTC REPORT WAS SUBMITTED ALONG WITH ID VERIFICATION.
Consumer complaint received 2024-06-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO. (PA)

I am writing to file a complaint regarding an issue with a deposited check in my Chase Bank account. On XX/XX/XXXX, I deposited a check totaling {>= $1,000,000} into my Business Chase account. The check was processed and cleared ; however, Chase Bank has refused to release the funds to me, citing an inability to verify the issuer of the check using the phone number registered in their system. 

The check in question represents proceeds from the sale of a property, issued by XXXX XXXX XXXX, XXXX. I have provided Chase with all necessary information, including the check details and any supporting documentation upon their request. Despite this, Chase has maintained that they are unable to verify the authenticity of the check issuer through their standard verification processes. 

I have diligently followed up with Chase customer service representatives, providing additional information and offering to assist in any way possible to facilitate the verification process. However, the funds remain inaccessible in my account, causing significant inconvenience and financial strain.

I believe that I have complied with all necessary procedures and provided sufficient documentation to support the legitimacy of the deposited check. Therefore, I am seeking assistance from the CFPB to help resolve this matter promptly and ensure that Chase releases the funds owed to me without further delay. 

I will be happy to provide a copy of the check deposit receipt and any other relevant documentation to support my case. 

Thank you for your attention to this matter. I look forward to your prompt assistance in resolving this issue.
Consumer complaint received 2024-06-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BARCLAYS BANK DELAWARE (CA)

I'll preface this by sharing that I have been in dispute with Barclays for over two years for a negative ding on my credit report that was not caused by me. While I hope a new person at Barclays I reading this, I hope this issue can be escalated if there is still no resolution : On XX/XX/year>, I received a notification that my credit score had changed. It had dropped XXXX points from XXXX to XXXX. After examining my XXXX report, I identified the cause as a late payment of {$14.00} on my XXXX XXXX for the month of XXXX. I immediately called Barclays and found out that the missed payment was due to my auto payment being canceledon three separate occasions, WITHOUT my consent. Despite receiving confirmation from multiple agents that I never asked for auto-payment to be discontinued ( this is the sole reason I missed the payment ), they refuse to take accountability.
Consumer complaint received 2024-06-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: ID Analytics, Inc. (FL)

Request for Security Freeze on Credit Report To Whom It May Concern : This letter is to formally request a security freeze on my credit report. 
I am concerned about unauthorized access to my personal information and would like a security freeze placed to prevent potential creditors from obtaining it without my authorization. With a security freeze, a temporary PIN will be required for anyone to access my report. 

My personal information is as follows : Full Name : XXXX XXXX XXXX XXXX of Birth : XX/XX/year> Social Security Number : XXXX Current Address : Address : XXXX XXXX XXXX XXXX XXXX XXXX FLORIDA XXXX For verification purposes, I have enclosed photocopies of the following documents : Government-issued ID Proof of residence Please send instructions on how to obtain a PIN to temporarily lift the freeze in the future. 

Thank you for your prompt attention to this matter. I look forward to confirmation of the security freeze on my credit report. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-05-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.
Consumer complaint received 2024-06-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (SC)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft I have obtained a copy of my credit report with EXPERIAN XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the account listed below are not connected to my current address. The information listed in this letter, which is reporting to my credit does not relate to any transaction ( s ) that I have made. It is the result of identity Theft.