davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-31
Product: Checking or savings account — Checking account
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: FIFTH THIRD FINANCIAL CORPORATION (OH)

I opened an checking and saving account with fifth third bank on XX/XX/XXXX. I received an email with confirmation that my account was opened successfully and was giving an account and Routing number, I Created an username and password the same day. Unfortunately the next business day I tried logging into my account and was denied access to my accounts, when I contacted Customer support they provided details about an old account from XXXX ( way pass the statue of limitations for debt collections in Ohio ) that I never knew existed, and said due to the findings with that old erroneous account that they no longer wanted to move forward with the relationship, I was in total disbelief and wanted answers so I had the manger assist me with opening up an investigation on XX/XX/XXXX so this matter can be resulted and I was told an dispute will be placed in progress and the time frame is XXXX days, however I received an letter on XX/XX/XXXX for a dispute resolution and the letter never gave any details upon the facts finding in fact the only information that was giving was the information I provided them with. They even have contradicted themselves by saying this information does not appear on XXXX  ( XXXX XXXX XXXX  ) or XXXX. Which is both reporting agencies for consumer! I feel discriminated against, i feel profiled! I dont feel it was an intensive investigation done on my behalf because of it! and this discrepancy still remains, this is a clear violation of regulation b and my consumer rights, I need this to be resolved expeditiously.
Consumer complaint received 2024-01-31
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: HUNTINGTON NATIONAL BANK, THE (MI)

On XXXX I contacted Huntington Bank and requested to close my checking account. There was a balance on {$170.00}. They said I needed to transfer the money out using XXXX before they could close it which I did then they closed the account. I found out that I had the XXXX info set up incorrectly on the receiving bank ( XXXX ) so it never transferred. I contacted Huntington Bank who said since the checking account was closed the money would not come back to the account and there is nothing they can do. I've called Huntington Bank 4 times to resolve this issue they say they can do nothing because the account is closed. I've called and opened cases with XXXX, all they do is tell me that the sending bank has to fix it. I contacted the bank that was suppose to receive it and they said they see no pending XXXX transactions. I don't know what to do, on multiple occasions I've called XXXX they say I have to contact XXXX. Multiple calls to XXXX, all they say is I have to contact XXXX. They make it sound as if I will never see the {$170.00} which I very much need. Any help you can give me would be greatly appreciated
Consumer complaint received 2022-11-24
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. (TX)

In accordance with the Fair Credit Reporting Act XXXX XXXX  ; Account # XXXX has violated my rights as a consumer. 

15 U.S.C. 1681 Section 602 A. States that I have the right to privacy.

15 U.S.C. 1681 Section 604 A. Section 2 : It also states that as a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2024-01-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (CA)

My phone and my wallet was stolen and some one used my info to withdraw {$600.00} from my account that I did not authorized. Once I noticed this I immediately contacted Wells Fargo to file the claim. I called them to get an update on the claim and they told me that they denied but would not tell me why. I have filled a police report and I told them that I will give that police to further support my claim but they told me no that it would not make a difference. At this point I feel Im being discriminated against because Im a XXXXXXXX XXXX because they are questioning my integrity and being very insensitive when I told them that my things were stolen.
Consumer complaint received 2024-02-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

On Sunday XX/XX/2024 I used my ATM card at a Bank of America ATM machine in a XXXXXXXX XXXX parking lot on XXXX XXXX in XXXX NC. I heard the money counting but the machine never opened for me to retrieve my requested {$200.00}. My bank account was withdrawn by the {$200.00} but I did not receive it. I called immediately from the location and watched as other cars approached to be sure they were not given my funds. A representative over the phone assisted by opening a claim as I sat in the parking lot for 40 minutes. That was Sunday and now it is Thursday and I still do not have my money. This is becoming too much of a common place with Bank of America. I constantly have to fight to get my money returned. I have been banking here for over 20 years! My paychecks are direct deposited. Why is this so difficult and takes so long? Fix it!
Consumer complaint received 2024-01-31
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Westlake Services, LLC (MI)

I certified mailed debt validation request documents to this company XX/XX/year>. I have yet to receive any validation documents or proof this alleged debt is legitimate or being rightfully reported. I have no business with this company, I dispute the validity of this alleged debt. It is not mine.
Consumer complaint received 2024-05-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (AP)

Refused to help me get into my account and didn't allow a payment over the phone until they'd charged me a fee and reported my account as delinquent after calling to no avail. and not receiving help. I spoke to someone in the office ( can find her name later ) who justified the actions of the multiple Chase representatives and then said i was offered to pay by phone ( which i did ) however, this was over XXXX  days past my due date they decided it was ok to take a payment by phone. I was denied to pay by phone initially, because they chose to focus on me getting back into my account to pay, which didn't happen.
Consumer complaint received 2024-05-18
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc (NJ)

I got a random email from Chime saying they were closing my checking savings and secured credit card. They said the account would be closed XX/XX/XXXX. They ended up closing it XX/XX/XXXX and cant give me a clear response as to why they had said I filed for bankruptcy which I have not and they said I wasnt complying with the agreement terms which I was, they will not give me a clear explanation and keep on giving me the runaround, I have a two-year-old daughter I need to take care of and feed and now they have closed my account and I can not access my funds. I called them all the time numerous times a day and nobody can give me a straight answer. I asked them to overnight me a check and they keep on running around the bush with different answers. Again I have a baby and Im not happy one bit about this situation.
Consumer complaint received 2024-01-31
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: AMERICAN EXPRESS COMPANY (VA)

I Joined XXXX XXXX Military XX/XX/2003 and am XXXX XXXX  XXXX XXXX Military I am a Louisiana Resident and maintain residency there while XXXX XXXXXXXX XXXX. I believe my Account number is XXXX. I have been charged over the amount of interest that is allowed by the Louisiana SRCA. I would like that money paid over the interest limit refunded to me. XXXX XXXX XXXX XXXX. I will submit my Leave and Earning Statement for verification that I am paying Louisiana State Taxes as well as my Military XXXX XXXX XXXX XXXX if you need any other documents please reach out.
Consumer complaint received 2024-01-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: M&T BANK CORPORATION (MD)

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 604 a section 2. It also stated a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a late payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-11-13
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: EQUIFAX, INC. (FL)

I did not give permission for these inquiries : 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 2023-11-10
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: Experian Information Solutions Inc. (FL)

It is indeed ridiculous to see late payments recorded on my account when I have consistently made on-time payments without any history of being overdue. I firmly insist that you correct my account to accurately depict my payment history.
Consumer complaint received 2024-01-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

I have a credit card from BK OF AMER and have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. I called BK OF AMER, and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30-day late. As you can see, I have always had a stellar payment record. I tried contacting XXXX, XXXX, XXXX, and BK OF AMER with no successful resolution. XXXX, XXXX, and XXXX reported me 30 days late in XX/XX/year>. There was an error on their part. I was never 30 days late.
Consumer complaint received 2023-09-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (FL)

I did not receive an email from XXXX but they deducted the disputed amount of {$400.00} plus the fee that was {$87.00} from my Chase Bank checking account on XX/XX/XXXX.
Consumer complaint received 2024-04-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

Dear CFPB, I am writing to file a formal complaint regarding fraudulent reporting of an account on my XXXX, Experian, and XXXX credit reports by XXXX XXXX XXXX. Upon scrutinizing my credit reports, I discovered an erroneous listing of an account attributed to XXXX XXXX XXXX that does not pertain to me. This inaccurate reporting not only damages my credit history but also violates my consumer rights to privacy and accuracy in credit reporting. 

Under the stipulations of 18 USC 8, I affirm that I do not owe any debt to XXXX XXXX XXXX. Therefore, the inclusion of this account on my credit reports is not only unjust but also illegal according to federal law. I raise doubts about the validity of their claim and demand immediate removal of this erroneous information from my credit reports to rectify the harm inflicted upon my creditworthiness and reputation. 

I expect prompt action to address this issue and restore the accuracy and integrity of my credit reports. Failure to do so will compel me to escalate this matter to the appropriate regulatory authorities and legal entities. I implore you to treat this matter with the seriousness it deserves and to address it promptly. 

Kindly acknowledge receipt of this complaint and provide a timeline for resolution. You may contact me using the information provided below. Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-11-10
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. (TX)

After receiving an unsatisfactory response to my initial dispute, I promptly escalated the matter by filing a second dispute with the bureau. As per the FCRA, the agency is obligated to notify the furnisher of the disputed information and provide them with all relevant documentation. 
However, they failed to fulfill this obligation, and as a result, the furnisher continued to report the inaccurate information without any verification or correction. I also requested identifying information in reference to any supporting documentation to sustain why the items Ive disputed are continuing to report. I received nothing.
Consumer complaint received 2024-04-25
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. (MI)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 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 2023-12-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (VA)

This is XXXX XXXX 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.
Consumer complaint received 2023-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (TX)

XX/XX/2023 letters were sent out to the bureaus to correct inaccuracies on my credit report. Incorrect names, addresses, phone numbers and employers were listed and I asked for the removal and deletion of these items. There were also unknown inquires listed that I do Not have an account for and are unaware of who requested these inquires without my written consent. I want all these inquires deleted as stated in my FTC report.
Consumer complaint received 2024-01-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: HW Holding, Inc (MO)

Subject : Urgent Notice of Unauthorized Credit Reporting and Violation of Missouri FCRA Identity Theft Fraud Laws Immediate Resolution Required Dear Hunter Warfield, I am writing to bring to your attention a serious matter concerning the unauthorized reporting of information to my credit report, which is in direct violation of the Fair Credit Reporting Act ( FCRA ) as specified in Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), as well as Missouri state laws, including Sections [ Relevant Missouri FCRA Sections ]. 

It has come to my attention that Hunter Warfield has engaged in unauthorized reporting to my credit report without obtaining my explicit consent. The FCRA mandates, under Section 1681b ( a ) ( 2 ), that consumer consent is an absolute requirement for such reporting activities, and Missouri state laws, specifically [ Relevant Missouri FCRA Sections ], also emphasize the importance of consumer consent for credit reporting. 

This violation not only disregards federal and state laws but also raises concerns under Missouri FCRA identity theft fraud laws. Unauthorized access and misuse of personal information, as outlined in Missouri FCRA, are subject to severe penalties. 

I want to make it unequivocally clear that I have not provided consent for Hunter Warfield to report any information to my credit report. This lack of explicit permission constitutes a serious breach of my rights, potentially causing harm to my creditworthiness and demonstrating a clear disregard for federal and state regulations.

I demand, with urgency, that Hunter Warfield immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and relevant Missouri FCRA Sections. Failure to comply within the stipulated 30-day timeframe will be considered as willful noncompliance, subject to penalties under applicable laws, including Missouri FCRA identity theft fraud laws. 

It is crucial to understand that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA, Missouri state law, and identity theft fraud laws. This is not a negotiation ; it is a demand for immediate compliance with both federal and state regulations, safeguarding consumers like myself from unauthorized and damaging credit reporting. 

I expect your prompt attention to this matter and insist that Hunter Warfield rectifies these violations promptly, demonstrating full respect for my rights under federal and Missouri state laws. 

Done in good faith.
Consumer complaint received 2023-11-13
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account status incorrect
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (GA)

THIS ACCOUNT WAS A LEASED INFINITI XXXX XXXX THROUGH NISSAN- INFINITI LT ACCOUT XXXX I OPEN THIS ACCOUNT XX/XX/XXXX THIS ACCOUN T WAS INCLUDED THROUGH A XXXX  XXXX BANKRUPTCY AND IT WAS XXXX XX/XX/XXXX THIS IS CLOSED WITH A {$0.00} BALANCE AND THE INFORMATION NEEDS TO REFLEX THAT AND NEEDS TO SHOW CLOSED ACCOUNT I HAVE NOTIFY NISSAN- INFINITI LT THIS MATTER SEVERAL TIMES IN XXXX DISPUTE AND OVER THE PHONE BUT THE REP NAME XXXX STATED TO ME THE ACCOUNT IS STILL OPEN AND BY FEDERAL LAW XXXX  XXXX YOU NEED TO CLOSED THIS ACCOUNT OR I WILL TAKE LEGAL ACTION AGAINST YOUR COMPANY
Consumer complaint received 2023-04-01
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate the reporting account as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX Balance : {$7100.00} Consider as a follow-up complaint
Consumer complaint received 2024-01-31
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. (NJ)

I am having a problem disputing a transaction with JPMorgan Chase & Co at Chase Bank. I was traveling in XXXX recently. I was about to miss my flight so I XXXX XXXXXXXX XXXX, and what I thought was XXXXXXXX XXXX from all information displayed on XXXX, I called the phone number. The agent impersonated XXXX XXXX and took my credit card to purchase a new flight for me. Once I gave my credit card I knew I fell victim to a scam. The crazy part is Chase automatically marked this transaction as a fraud, but somehow they were able to charge it again and get around that. I hung up and I quickly found the real XXXX XXXX  and got my flight figured out right away. Then I see a charge appear on my credit card statement XXXX XXXX, I immediately disputed it with Chase. Chase somehow resolved it in their favor when I had received no goods or services with this purchase. How could I? I had already contacted XXXX and had my flight figured out as soon as I spoke with XXXX. The XXXX impersonator claimed to be switching my flight ticket on my behalf. I never seen my booking update except after I spoke with XXXX. The real XXXX agent had no knowledge of anyone trying to change my original ticket. My ticket was never changed until I spoke with the real XXXX agent. Chase needs to resolve this dispute in my favor and stop doing business with this merchant.