davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-09-16
Product: Credit card or prepaid 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: JPMORGAN CHASE & CO. (SC)

On XX/XX/2018 I was notified by Chase that a charge of {$120.00} ( approx. ) for XXXX XXXX was attempted on my account but it was not authorized by Chase. Another charge on XXXX XXXX for {$330.00} was allowed and posted to my account. Chase asked if I made this charge and I responded that I didn't. A fraud report was submitted. 

In XXXX I was informed that Chase determined that I was responsible for this charge. I requested a repeat review of the charge. 

The charge was made by phone for a ticket from XXXX XXXXXXXX to XXXX XXXX. 

Chase requested that I prove my whereabouts on that day. I submitted a copy of my time sheet proving that I was at work in South Carolina until XXXX XXXX that day. 

On XX/XX/2018 Chase sent a letter that again determined that I was responsible for the charge. When I called them I was told by an agent named XXXX that one of the factors that led to their decision was the fact that I was in Florida in XXXX. I was in XXXX Florida from XX/XX/XXXX to XX/XX/XXXX. I took XXXX from XXXX to XXXX. 

Again, i was asked to submit my information regarding this dispute. I had to email it to a supervisor named XXXX XXXX ( XXXX ) because XXXX was not allowed to receive emails. 

It is quite obvious that the fraud department of Chase did not even call XXXX XXXX to get details because when I spoke to the airline representative he told me that the ticket was never used! And yet Chase made me prove my whereabouts and made a determination based on my being in Florida in XXXX! Their reasoning is illogical. 

Also, according to the letter of XX/XX/2018 the transaction was posted on XX/XX/2018. As you can see from my statement it was posted on XX/XX/2018- a minor discrepancy, but one that adds further fuel to the fact that the Chase fraud department is ineffective, incompetent, and possibly complicit in fraudulent charges. 

Note : This charge was accrued under the name of the joint account holder
Consumer complaint received 2024-05-10
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: CLGF Holdco 1, LLC (NJ)

I am a hardworking individual has been diligently paying my accounts on time for the quite a long time. However, upon reviewing my credit report, I discover several instances of late payments recorded by these creditors. Perplexed by this discrepancy, I contacted these creditors to inquire about the inaccuracies. After discussing the matter with a customer service representative and the billing department, it becomes evident that there was a mutual agreement between me and these creditors to adjust the payment schedule due to unforeseen circumstances. Despite adhering to this adjusted schedule, the payments were mistakenly marked as late in the system. Understanding the gravity of the situation, these creditors swiftly acknowledge the error and assures me that the inaccurate late payments will be rectified. Additionally, they offer to provide written documentation of the agreed-upon payment schedule to prevent any future misunderstandings.
Consumer complaint received 2024-05-10
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK (NY)

Credit card companies like Discover need to have new parameters given. They are now calling now stop at only 5 days past due. Had a client that was late paying and the calls keep coming every XXXX hours. This is completely unacceptable and bordering on harassment.
Consumer complaint received 2018-09-17
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A. (AL)

I filed a complaint against this company with the CFPB regarding a charge on one thier Home Depot credit card products. After filing the complaint i noticed that they had reduced my credit limit from {$5000.00} to {$4000.00}. Since my credit is in good standing and I have never even had a late payment, i would have to reason that the credit reduction is a result of my filing a complaint with the CFPB
Consumer complaint received 2024-05-10
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: TRUIST FINANCIAL CORPORATION (TX)

Hi my claim has been denied once again and I send a supporting documentation to Truist to let them know the balance transfer of XXXX was send to that bank was fraudulent and the creditor has send me a letter letting me know that I wasnt held responsible for the credit card and that I should call Truist to get the XXXX back. Within 90 days Truist denied my claim and I send them documents back on XX/XX/XXXX and never received a response for a claim number XXXX
Consumer complaint received 2023-09-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Mr. Cooper Group Inc. (CA)

I have auto pay set up then they claim I made a payment online on SatXX/XX/XXXX. I did NOT log in or make any payments. The extra payment was PULLED from TWO of my accounts by Mr Cooper. I read this you guys investigated the exact same thing back in XXXX affecting XXXX customers back then. I don't know how many others are affected, but I have two mortgages with them and BOTH of my accounts were double withdrawn on XX/XX/XXXX.
Consumer complaint received 2024-04-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

XXXXXXXX XXXX XXXX According to the IRS an unpaid Chargeoff is income and according to the FCRA income can not be reported on a credit report. Im requesting a 1099-C ( Cancellation of Debt ) from the following charged off account listed below XXXX XXXX XXXXXXXX After checking my most current report the updated information stated the account was purchased by another Lender. This account can not be reported as a charge off on my credit report if the account was sold to another lender. Please delete this account and send the 1099-C form
Consumer complaint received 2019-06-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (UT)

XXXX XXXX has reported a debt belonging to XXXX XXXX originating in XX/XX/2018. I have not had any business with XXXX/ XXXX XXXX  in the last 8 years. I have reported this account as fraud if it falls in the timeline they have provided. Additionally I did have my wallet stolen and charges were pressed against a women who had been representing be me. That have not provided any proof that I accrued this debt. I have not subscribed to any cable or satellite services in 8 years and I have been an exclusive XXXX customer for 15 years. 

I believe they may have purchased very old debt that has passed the statute of limitations and are representing it as a new debt.
Consumer complaint received 2024-05-11
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (CA)

I am a dependent adult abused by one of Citibank 's employee named XXXX XXXX Branch XXXX at XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. He asked for my credit card and then I went to buy something and the card declined. I did it again and it declined once more. He closed my credit card without my permission without any justification. My older XXXX and I always pay our bills right away. 

To make matters worse, I just go out of the hospital and XXXX XXXX made me sign some papers. As I got better, I wondered about what had happened. 

My attorney says I should go to small claims court and hopes that there is some kind of criminal punishment to make him look like he was doing well with my oldeXXXX XXXX and I at the bank. 

Please expedite ASAP. I have XXXX other legal matters to solve. 
XXXX XXXX will feel my wrath.
Consumer complaint received 2023-05-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX TRANSUNION XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX : Personal request to ensure that NO INACCURATE DEROGATORY information is reporting on my Consumer Credit Report and that any such information. ESPECIALLY THOSE PREVIOUSLY DELETED by other CRAs, are immediately deleled from my file To Whom This May Concern : It is unlawful, and a DIRECT VIOLATION of several FEDERAL laws and statutes to report inaccurate, misleading or unverified information I received a response from XXXX XXXX stating that the following account could not be verified and it was immediately DELETED from my credit file. US Bankruptcy was deleted Per the PROCEDURES and laws stated in 15 U.S.C. 16811 and its subsections I have requested that ALL FURNISHERS related to this account and CONSUMER REPORTING AGENCIES in which this item has been dispute bed NOTIFIED of the DELETION of this account due to FAILURE TO PROVE ITS VALIDITY. As stated above. I have requested information be sent to all CRAs and I anticipate that each CRA will follow suit in DELETION OF THE ACCOUNT To Ensure that you receive NOTIFICATION I am including the following attachments to this letter : * My original letter challenging the validity of this account. * Copy of my dispute response showing that this account has been DELETED from my credit file due to their inability to to FULLY VERIFY and certify the accuracy of this account. PER FEDERAL LAW and the standards set forth by all committees overseeing consumer reporting agencies, continuing to report this account on my credit file is a violation of my rights. Please DELETE THIS ACCOUNT IMMEDIATELY so we can avoid further potential of a consumer or legal complaint.
Consumer complaint received 2023-05-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

In accordance with the Fair Credit Reporting Act, the following companies have violated my rights. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 15 U.S.C. 1681 section 602 A states I have the right to privacy. 15 U.S.C. 1681 604A section 2 states a consumer reporting agency can not furnish an 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 ) ( I ) 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 the information is inaccurate
Consumer complaint received 2024-05-09
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: WELLS FARGO & COMPANY (HI)

An wells fargo account was opened in California with stolen information. Account number XXXX was opened illegally. I called the bank and got transferred to a useless number then got hung up on and cant get in touch with any bank rep. I received a checking account statement in the mail and need to close this account and report this activity.
Consumer complaint received 2024-05-09
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BMO Bank, N.A. (IL)

I would like to complain about BMO on the incorrect information that was previously filed with CFPB case # XXXX dated ( XX/XX/year> ) that the refund was issued to me by New Balance was returned to the merchant i will attached proof below, after further investigation from billing department of New balance, they stated that they can assure that refund was NOT returned to them as stated by BMO & this is not the first time BMO has kept a refund infact few cases /complain that i have filed with CFPB & almost all cases was resolved after BMO investigation /back office team ended up releasing all refund cause of there system error /issue i have all proof & case # from CFPB with records if needed .

second while its true that i have filed a fraud dispute due to BMO failed to protect my account from an authorized fraudelent transaction overseas & allowing few transaction to go through w/out any notification sent to me through text or email, also BMO only changed my debit card NOT my account number so i am not sure why the refund will not go through since BMO should still be able to process this transaction since My account # is still dissame & still under My Name so there should be No issue on the refund, i also would like to request if possible with BMO that will handle this case To call merchant ( new balance & me to have a XXXX way call just to have a clear answer on this issue & to not being Bounce around for the refund that i am entitled to recieved, i believe that this is my right as a consumer & my bank should be the one to protect my money instead of giving me issue 's like this.

I respectfully would like to ask CFPB to pls investigate this further with the bank since this is the 4th time that this happend me.
Consumer complaint received 2023-05-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Diverse Funding Associates LLC (MI)

Upon review of my recent Credit Repot from XXXX, I noticed a negative item reported by DNF Associates. On XX/XX/2023, I sent a dispute letter to XXXX to resolve this matter, and 30 days has passed with no investigation. XXXX is now in violation of federal and state law under the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ). As you XXXX has now violated federal law, by not properly investigating within the required timeframe, and I have evidence of such, via certified mail receipts, they must now remove the item. Any other action ( or in-action ) on their behalf will result in a small claims action against your company.
Consumer complaint received 2023-05-10
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (OR)

Dear PayPal Customer Support, I am writing to submit a complaint regarding the permanent limitation placed on my PayPal account with the email address XXXX. I believe that this limitation was placed in error and that I have not violated any of PayPal 's policies. 

I am a responsible PayPal user who has been using the platform for several years now. I have always been in compliance with PayPal 's policies and have never engaged in any fraudulent or illegal activities on the platform. I was surprised and dismayed when I received notification that my account had been permanently limited. 

I would like to respectfully request that PayPal re-investigates my case and takes appropriate action to restore my account if possible. I understand that PayPal takes its policies very seriously and I am confident that upon re-investigation, the company will find that I have not violated any of its policies. 

I kindly ask that PayPal provide me with a clear explanation of the reason ( s ) for the permanent limitation placed on my account. Additionally, I request that PayPal provide me with a timeline for when I can expect a resolution to this matter. 

I appreciate your time and attention to this matter and I look forward to hearing from you soon. 

Sincerely, [ XXXX XXXX XXXX
Consumer complaint received 2023-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I just checked my credit report and notice some inquiries that I didn't recognize. I believe I was a victim of fraud. I am distress and this matter as affected me from getting access to different forms of credit. Please help me to delete this fraudulent activity in my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

See Attacched Valdity of Debt Doc Despite my previous 2 written requests, the unverified items listed below remain on my consumer report in violation of Federal Law. You stated in your responses to my 2 previous dispute letters to you that you have verified that the items listed below are accurate, but you failed to send me copies of the documents that you used to verify these accounts as per my request.

The fact that you have ignored my request to send me copies of the documents that you used to verify the disputed accounts is evidence that you can not, and did not verify any of the disputed accounts as you stated in writing that you did.

Your failure to delete the disputed accounts that you can not verify after two written requests is also evidence of your willful disregard of Federal Law.
Consumer complaint received 2024-05-09
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: Bread Financial Holdings, Inc. (CT)

On XX/XX/XXXX I called Dell for technical support. They charged me {$99.00} for a provisional technical support service that guaranteed if they did not fix my problem and my laptop had to be mailed in for further assistance that they would refund my {$99.00}. They could not resolve my issue. I mailed my laptop in and they refuse to refund my {$99.00}. On XX/XX/year> I filed a claim dispute with Comenity Bank and Dell to get my refund because they have billed me for it. Both companies kept sending me back and forth saying they don't handle disputes. Today I received a letter from Comenity Bank who runs Dell credit card asking me for dates of purchase and the amount of my claim. I called Comenity Bank and they refused to let me speak to claims. The letter told me to provide redundant info that they already have and to call claims or they are cancelling my dispute. I asked XXXX, Acct Supervisor of Customer Care why they were sending me this letter requesting info that they already had and she berating me and refused to answer my questions, transfer me to claims, or her manager.
Consumer complaint received 2024-05-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Nelnet, Inc. (NY)

My loans from Nelnet for The XXXX XXXX XXXX XXXX XXXX  XXXX, VA are to be fully discharged due to the fact that this school was found by the U.S. Department of Education to have operated on false promises, lies, manipulation, falsified data, knowingly misled students, cheated borrowers into taking on mountains of debt without leading to promising career prospects at the end of their studies. This was all done by this school in order to profit off students loans.

Therefore, and with that being said, Nelnet has yet to fully discharge my loan ( s ) balances listed on my account and forward all refunds due to me per the U.S. Department of Education 's rulings.

Thank you.
Consumer complaint received 2023-05-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

In accordance with FCRA, this creditor has violated my rights. On the 15 USC 1681 sec 602 states that i have the right to privacy, 15 USC 1681 sec 604a sec 2 also says that a consumer reporting agency can not furnish an account without my written instruction, under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open consumer credit plan as late for any purpose.
Consumer complaint received 2023-06-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX XXXX  XXXX XXXX : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$6000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$3700.00} XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$6000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$3700.00} XXXX XXXX XXXXXXXX XXXX Balance : {$3700.00} XXXX XXXX XXXXXXXX XXXX Balance : {$6000.00}
Consumer complaint received 2020-07-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC (NJ)

I have contacted RoundPoint multiple times tell them that I have achieve a 78 % LTV ratio and asked them to remove the PMI from my account. RoundPoint told me that they can't drop the PMI until I get a new valuation ( order by them for my home - up to {$600.00} in cost to me ) or 2024 ( final termination ). Under the Homeowners ' Protection Act, the lender is required to cancel your PMI when the loan reaches a 78 % LTV ratio.
Consumer complaint received 2024-01-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.