davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-02
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. (MI)

I previously sent a letter requesting that you reinvestigate the disputed account on my credit report and update it accordingly during the investigation period. However, as of today 's date, I have not received a response to my request. 
XXXX XXXX Balance : {$0.00}
Consumer complaint received 2023-04-16
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. (TX)

I have some errors on my credit report that need to be deleted i am applying for a house and i need everything on my credit to be 100 % accurate according to FCRA. I have disputed these account and pointed out some violation they have reported on this collection and they did not comply with me and need to be deleted are listed below. 


Please delete this collections. 

XXXX XXXX acct # : XXXX Amount : {$8800.00} XXXX XXXX. 
acct # : XXXX amount : {$420.00} Please delete this charge-offs XXXX XXXX acct # : XXXX Amount : {$580.00} XXXX XXXX  acct # : XXXX Amount : {$480.00} XXXX XXXX acct # : XXXX Amount : {$4900.00} These accounts are violating 15 U.S. Code 1692e - False or misleading representations code ( 10 ) The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer.
Consumer complaint received 2024-05-31
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. (IL)

PLEASE BLOCKED AND REMOVED. 
I kindly ask for the removal of this incorrect entry from my credit report. This account was not authorized or acknowledged by me. I have provided supporting documents for your review.
Consumer complaint received 2024-08-16
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (GA)

To Whom It May Concern, My name is XXXX XXXX, and I am writing to file a formal complaint regarding the mishandling of a fraud case associated with my Chase Bank account. 

In XXXX, I was a victim of significant fraud involving my Chase Bank account. During this period, I also suffered a robbery in which all my personal items were stolen, including my Social Security Number ( SSN ), driver 's license, bank, and credit cards. This theft led to fraudulent activities across multiple accounts. 

Despite my efforts to address this issue, including filing a police report a few years later, Chase Bank has refused to correct the fraudulent charges on my account. My initial attempts to resolve the issue directly with the bank were unsuccessful, and my subsequent appeal was denied without evidence linking me to the fraudulent activity. 

I have attached copies of my appeal denial and the police report for your review. Chase Bank 's continued refusal to rectify the fraudulent charges and resolve the situation is unacceptable. 

I request that the Consumer Financial Protection Bureau investigate this matter and assist in resolving the issue. 

Thank you for your assistance. 
Sincerely, XXXX XXXX
Consumer complaint received 2024-08-16
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (GA)

To Whom It May Concern, My name is XXXX XXXX, and I am writing to file a formal complaint regarding the mishandling of a fraud case associated with my Wells Fargo account. 

In 2019, I experienced significant fraud involving my Wells Fargo account. During this period, I was also the victim of a robbery in which all my personal items were stolen, including my Social Security Number ( SSN ), driver 's license, bank, and credit cards. The theft of these items resulted in fraudulent activities across multiple accounts. 

Despite my efforts to address this issue, including filing a police report a few years later, Wells Fargo has refused to correct the fraudulent charges on my account. My initial attempts to resolve the issue directly with the bank were unsuccessful. Additionally, my subsequent appeal was denied without any evidence linking me to the fraudulent activity. 

I have attached copies the police report for your review. Wells Fargo 's continued refusal to address the fraudulent charges and rectify the situation is unacceptable. 
Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-08-16
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CITIBANK, N.A. (NY)

Citi Card enrolled me, without my knowledge, into a 'special rate ' promo for my credit card ending in XXXX. I noticed this on XX/XX/year> when I saw a line item for interest charged for XXXX of XXXX ( XX/XX/year> ). Looking back, I also saw another charge for XXXX with the same line description on ( XX/XX/year> ). After researching teh description online, Citi changed the APR rate for purchases to 9.99 % and started charging daily interest from the statement date until payment was made. This was not the language in my card holder agreement and Citi normally charges 24.17 % and interest only on if the balance is not paid in full AFTER the payment due date. 

I chatted with the support agent through Citi 's website initially who informed me of the promo rate and that I would have to call to 'verbally confirm ' that I want the offer removed. On first time calling, the Citi agent was unable to find the 'promo ', but she agreed to remove the XXXX charge. On the second call, the agent was able to find the promo and transferred me to a different department to assist removing it. The second person on that call refused to remove it and said it would auto expire on XX/XX/year>. I asked for proof that we had signed up for it, and they said 'it was through the automated system '. I had not signed up for this product, so I was confused as to why the automated system signed me up for it. I asked to have it removed as I did not agree to that, I was told by the agent who 'checked with her supervisor ' that since the automated system added it, it was unable to be removed. At that point I reiterated that I did not sign up for it, but the outcome and response was the same.
Consumer complaint received 2024-08-18
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: U.S. BANCORP (IL)

I have XXXX US Bank XXXX XXXX XXXX credit cards. The XXXX  card was opened last XXXX, and there was a signup promotion of XXXX miles upon spending {$5000.00}. The terms did not have any restrictions on existing customers with the same product. They approved the XXXX  credit card, and I spent {$5000.00} by XXXX. 

Even after spending {$5000.00}, I did not get the promised XXXX miles, so I contacted the US Bank. A few weeks later, they sent me a letter saying that the sign-up bonus was now offered to customers who did not receive the same sign-up bonus for the last XXXX years. 

I saw that the same XXXX business credit card had updated the terms to have this statement for new applications. I called the US Bank customer service again, and someone told me that she could find a document dated XX/XX/XXXX saying the same rule, and they were applying the new rules to those who applied for the card before XX/XX/XXXX. 

While I understand that the US Bank can change terms at any time, can they apply the changed sign-up rules to the customers who applied for the card before the change of the application rule? I also did not receive any notification from the US Bank regarding this change. 

I hope that the US Bank will honor the promised they made through the application terms and provide the affected customers with the promised sign-up miles. 

Previous term statement : Previous accounts closed within the last XXXX  months will be reopened and no enrollment miles will be awarded. 

New term statement : Existing or previous XXXX XXXX XXXX XXXX  cardmembers are not eligible if you have
Consumer complaint received 2024-07-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO. (CA)

Chase states : the charges are valid because they represent XXXX  cards. 

Fact : there was XXXX gift cards purchased on this account, leaving 100 % of what was purchased left unaccounted for. 

Chase states : that they confirmed that I received benefits from the purchase, yet omits the proof to back that statement up. 

Fact : the sole purpose of the dispute that I filled was that the goods and services that were paid for, were not provided by the market. Chase has repeatedly refused to provide proof that the deliveries were made. In this case, just digital content was purchased. The deliveries would have been made to my email address. None of the documents establishing these deliveries occurred is private and privileged. It is my email address, and no one elses. Therefore, there is no reason that this is being withheld. The only reason that Chase would decline to provide this is because such proof does not exist. 

Chase is also considered to be both advised and informed that the digital goods provided were for someone else, as copies of it was provided to Chase. The content is made for someone needed XXXX or XXXX, depending on the correct spelling of the name. I am not that person, and examples of what correct XXXX XXXX XXXX like from another merchant, from the same site, was included for Chases reference and comparison, as in the correct example, my name is clearly used. In one case, the merchant clearly admits that what was provided was not meant for me. Chase declined the refund for that purchase. It is worth noting that the dispute was filed after the merchant failed to provide the remake, after stating that they would. By this point, the number of or amount of content that was incorrectly provided had exceeded my patience. 

Chase states that multiple small charges were refunded. 

Fact : these smaller amounts were never disputed. They are all either deposits or subscription fees, both of which are non refundable and were not disputed because of this. In the case of deposits being returned, Chase was repeatedly questioned why the deposits were being returned and not the remaining portion that was paid at a later date. In the case of the {$37.00} that was returned, it was a deposit. The remaining portion of {$960.00} is still owed.
Consumer complaint received 2024-07-22
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: EQUIFAX, INC. (CA)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :
Consumer complaint received 2024-07-22
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)

Target credit card continues to report late payments without Consent. The account was fraudulently established in XXXX  during the beginning of the global pandemic of COVID. This company didnt offer any type of relief during this time or validation that they confirmed this account was made lawfully
Consumer complaint received 2024-07-22
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. (NJ)

XXXX XXXX XXXX is unlawfully disclosing INCOMPLETE/INACCURATE information on my consumer report! As per the XXXX 2020 Credit Reporting Resource Guide ( Metro 2 ), the Original Creditor field MUST contain a value ( information ) in a debt collection account! As a Federally Protected Consumer, I am now requesting the removal of the incomplete/inaccurate debt collection account
Consumer complaint received 2024-06-19
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: Affirm Holdings, Inc (CA)

XX/XX/year>, Affirm gave me credit for a XXXX purchase. long story short i never received the order and I was forced to pay the entire amount. Till this day AFFIRM has reported to my credit which made it drop down XXXX points ruining my score. So i was forced to pay. i have all the emails and proof
Consumer complaint received 2024-08-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

On XX/XX/2024 I notice an account on my credit report listed as XXXX XXXX Account number XXXX, I immediately contacted the company provided my information but nothing was found. The represented said they would open an investigation that could take XXXX days. This account was open via XXXX XXXX this is not my account and I demand that this account along with the late payment associated be removed. I've contacted the company and Experian this account needs to be removed due to identity theft. 
Under these laws 15 U.S. Code 1681c2 ( a- - Block of information resulting from XXXX XXXX 15 U.S. Code 1681c2 - Block of information resulting from identity theft 15 U.S Code 6802 15 U.S. Code 1666a - Regulation of credit reports In demand that this account is removed
Consumer complaint received 2024-08-12
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Incorrect information on your report — Account status incorrect
Company: Marlette Funding, LLC (NY)

The company best egg agreed to give me an extension on payments after I was cut down to part-time hours at work. The agreement was there for 60 days I would not make payments and then that my payments would resume as normal. They sent me an email confirming this. 
They then proceeded to put non-payment marks on my credit score for 30 and then 60 days of non-payments. The result was that my credit score fell by XXXX points! It took me almost a month to get someone to respond to me as to why they did this even though they agreed that I wouldn't make payments for 60 days. When I did get a response they told me it would take 45 days to fix it. 
When they did finally address the issue they only changed one of the marks to improved which raise my credit score XXXX points. They did not even bother to address the other Market all. This leaves my credit score XXXX points lower than it should be. I can not refinance my car, I can not be put on the mortgage for my house, and the deadline for the low interest rate small business loan that I was hoping to get has now passed. 
They are not refusing to fix my credit score and raise it the appropriate XXXX points to where it should be. They are claiming that on their end everything is fixed. When I log in and look at my credit reports nothing is fixed. I have taken screenshots. 
If you value your credit score do not do business with this company. They made a mistake and I understand that that happens, but their refusal to properly correct that mistake and leaving me hung out to dry is unacceptable!
Consumer complaint received 2018-05-23
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANCO POPULAR DE PUERTO RICO (PR)

The home in this complain has not been register in the Property Register Office in Puerto Rico since the Original Deed of the whole complex was declared nule by court. This has leave the property without a legal value position and has decreased dramatically in price and is not worth its Mortage value. After hurricane Maria hit Puerto Rico I stopped paying the mortage due to financial difficulties. I reached the bank on several occasions before regarding this Title problem, but was told to me that since I was up to date in payments no problem existed. I have decide that someone has to be held responsible to this legal title problem and subsequent and significant depreciation of value of the property. I was referred to the office of loss mitigation of the Bank ( Banco Popular de Puerto Rico ) over a month ago and explained in details the problem to the advisor. Recent title search verification was showed which details in the document that has not been presented to the Property Registrar office of Puerto Rico.  This has leave me with a property and a mortage without title-deed and value. I was told that the legal department of XXXX XXXX will contact me. I am still waiting ...
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 — Was not notified of investigation status or results
Company: Bread Financial Holdings, Inc. (FL)

I am writing to formally dispute the validity of all claims related to the repossession of the vehicle referenced by the VIN number above. This dispute is based on the following points : I dispute the legality of the repossession process and the subsequent deficiency claim due to non-compliance with proper legal procedures. Under the laws of [ client_state ] and XXXX XXXX, as well as State XXXX and XXXX statutes, a deficiency can not be claimed unless all required notices were properly and timely given. Furthermore, all allowable redemption and cure time limits must have been adhered to. The following sections of the XXXX outline the necessary legal requirements. Please see the attached file for what I am complaining about.
Consumer complaint received 2024-08-10
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

addendum to complaint # XXXX I called Bank of America this morning to request the status of my credit card overpayment ; after waiting for 25 minitutes I spoke with an associate by the name of XXXX from XXXX XXXX ; when he looked up his notes, he said my refund was not processed because it was initiated incorrectly on XX/XX/year> the initial request ; he said he proceeded to process the request correctly and the count down started again for either 10 days for the refund and up to 60 days - 2 billing statements ; I do not believe he did anything ; I believe he lied to me like the rest of the bank of america associates I spoke with ... everyone lied! This is misinformation and lies from a bank susch as bank of america is unacceptable and bank of america should not be allowed to continue to lie to the customers! it is shameful ; bank of america should be held accountable for their lying and fraudulent actions
Consumer complaint received 2023-04-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MI)

In accordance with the Fair Credit Reporting act.The List below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC XXXX XXXX XXXX Account # XXXX XXXXAccount # XXXX Has Violated my rights. 15 U.S.C 1681 SECTION 602 A States I have a 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 agencies 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 7 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 2024-08-04
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (WI)

Dear Consumer Financial Protection Bureau, I hope this message finds you well. I am writing to seek your assistance in resolving a serious issue involving fraudulent activity on my bank account. 

I was the victim of a scam related to a remote data entry job offer. I was contacted by an individual claiming to be " XXXX, '' who requested my banking information to facilitate weekly XXXX compensation. On XX/XX/XXXX, I received XXXX payments of {$1500.00} each from " XXXX. XXXX Subsequently, XXXX contacted me, claiming that these payments were made in error and asked me to return the money via XXXX. Under pressure and a sense of urgency, I sent XXXX payments of {$1000.00} each on the same day. After further investigation, I discovered that these payments were from the XXXX XXXX XXXX XXXX  program. 

Realizing the fraudulent nature of the transactions, I immediately contacted the Chase fraud line to report the incident and requested the reversal of the payments while they were still pending. Despite my prompt action, the situation escalated further. 

I later discovered an unauthorized withdrawal of {$8000.00} from my Chase bank account. As a result, my checking account was locked, and I was informed that I had been involved in a scam. 

Despite numerous calls and emails to Chase, I have been unable to recover the funds that I worked hard to earn. As an individual, I find it challenging to confront a large institution like Chase on my own. Therefore, I am seeking your assistance in recovering the remaining balance in my checking account. 

Below are the details of my account and the references for the relevant case and communications : - **Account Information : ** - Account Number : XXXX - Routing Number : XXXX - **Chase ACH Research Team : ** - Reference Number : XXXX - Phone Number : ( XXXX ) XXXX - **Chase Fraud Department XXXX XXXX XXXX Case Number : XXXX - Phone Number : ( XXXX ) XXXX - **Call Logs : ** - Call with XXXX on XX/XX/XXXX ( Fraud Department Agent ) - Call with XXXX on XX/XX/XXXX ( Fraud Department Agent ) - Call with XXXX from Loss Prevention XXXX XX/XX/XXXX I greatly appreciate your support and consideration in this matter. I am hopeful that with your intervention, I can recover the funds that were wrongfully taken from my account. 

Thank you for your time and assistance. 

Best regards, XXXX XXXX