davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CCS Financial Services, Inc. (MO)

XXXX ( whoever they are ) has a {$500.00} collection debt billed to me in error. I still have active service with this company. I cancelled their television services and returned their equipment. Because I was working my daughter XXXX is authorized on the account so I asked her to contact them on my behalf and they admit the debt was an error and would be removed. I dipute the debt with XXXX, the debt is now with Credit Collection Services. XXXX claims to have validated the debt. I want to know how XXXX  is validating these false debts. What information was obtained that caused them to say the debt was valid because it absolutely is NOT and I have attached my conversation with this XXXX
Consumer complaint received 2023-10-29
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Chime Financial Inc (MO)

Money has been taken out of my account with outnmy permission a multitude of times in the last 7 months totaling up to almost XXXX they refused my mother 's payment shenhas been getting since 2015 to go into her bank account anymore gave us no heads notice and therefo Ultimately consting my my mother the only relitive i have left alive that cared for me. 
Starting on XX/XX/XXXX in the amount of XXXX XXXX thr month of XXXX alone there was XXXX in charges I didn't approve lf. XXXX was XXXX to random XXXX XXXX XXXX to price line. XXXX to XXXX below and XXXX trips to XXXX where i know it wasn't me. In the amounts of XXXX XXXX and XXXX I have asked for help and I've always gone proof and still. Othing.
Consumer complaint received 2024-01-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I filed a dispute in XXXX to XXXX  and advised that I never had an XXXX XXXX  with XXXX XXXX or XXXX XXXX. I also advised them that I never stayed at XXXX XXXX  and that the XXXX XXXX accounts are fraud I submitted my theft affidavit and they told me that they were not blocking the account. I told them that it was fraud and they still refused to block it and would not send me verification on how they verified the account. They are in violation and its unfair that they are reporting this information and then transunion responded back saying it was frivolous and wouldnt even tell me how it was frivolous. I should be able to dispute something that is inaccurate. Then on top of the that they removed it and added it back without sending me any notification.
Consumer complaint received 2023-09-22
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: U.S. BANCORP (IL)

I was on an active COVID-19 forbearance under the CARES Act from XX/XX/XXXX through XX/XX/XXXX. Prior to entering into the forbearance, my U.S. Bank mortgage was current. I was not required to make any payments during the forbearance period. 

On XX/XX/XXXX, I submitted a completed loss mitigation application. 

On XX/XX/XXXX, my XXXX credit score was XXXX. 

On XX/XX/XXXX, I received a certified letter from U.S. Bank regarding Notice of Default. The notice indicated that I was in default on my mortgage for failure to pay the monthly installments due. In order to cure this default of mortgage, U.S. Bank must receive funds in the amount of {$14000.00} The notice further indicated, We have told a credit bureau about a late payment, missed payment or other default on your account. This information may be reflected in your credit report. 

Approximately on or about XX/XX/XXXX, I received notification that U.S. Bank reported my mortgage status for XXXX as a missed payment as they indicated in their XX/XX/XXXX, letter and my XXXX credit score dropped XXXX points from XXXX to XXXX. 

In XX/XX/XXXX, I requested a credit correction from U.S. Bank asking them to correct my XX/XX/XXXX credit reporting from a late status to a current status at all three ( XXXX ) credit bureaus, XXXX, XXXX and XXXX because I still had consumer reporting protections of the CARES Act after my forbearance ended. 

On XX/XX/XXXX, I received a letter from U.S. Banks Consumer Bureau Management stating, We received your dispute request related to your account. Based on our investigation, we have determined that the account information submitted by U.S. Bank to the consumer reporting agencies is accurate. The forbearance expired in XX/XX/XXXX and the account is not currently under credit protection. 

Based on the facts U.S. Banks determination outlined in their XX/XX/XXXX, letter, is inaccurate. The consumer reporting protections of the CARES Act continued to apply to the time period that I was covered by the forbearance after the forbearance ended on XX/XX/XXXX. U.S. Bank can not report a consumer that was reported as current pursuant to the CARES Act as delinquent based on the time period covered by the accommodation after the accommodation ended. U.S. Bank also can not advance the delinquency of a consumer that was maintained pursuant to the CARES Act based on the time period covered by the accommodation after the accommodation ends.
Consumer complaint received 2024-02-21
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: COMMERCE BANK (MO)

I wish to use your organizations service, seeking a formal, impartial investigation to amicably settle my dispute with Commerce Bank, which failed to respond to any of my complaints since XXXX last year. 

Please see the attached XXXX XXXX
Consumer complaint received 2023-10-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

My credit repair specialist has sent in multiple documents to XXXX, Transunion, and XXXX as they continue to violate my FCRA rights in many ways over the past year! I've gone through CFPB and XXXX XXXX XXXX XXXX. They have refused to remove the fraudulent and inaccurate items off of my credit report. My only other option will be to contact the Attorney General 's office and the CEO of XXXX, Transunion and XXXX about their unethical practices at their companies. On XX/XX/XXXX, there was a CFPB complaint sent in. This case was closed, with the fraudulent items STILL on my report! And here I am 1 year later, still fighting for my rights. I filed with the CFPB again on XX/XX/XXXX. This is my last time doing this and I will sue all XXXX companies. Everything that I have ever filed will be attached to this complaint for proof. Additionally, there have been new things added to my credit report that do not belong to me. What will it take for the credit bureaus to stop allowing false accounts to be added to my report?! 

Personal Information needs to be updated : Name : XXXX XXXX ( no middle name or initial ) THIS IS THE ONLY NAME THAT SHOULD SHOW Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX THIS IS THE ONLY ADDRESS THAT SHOULD SHOW ) Accounts that are STILL reporting, that need to be deleted : XXXXXXXX XXXX # : XXXXXXXX XXXX XXXX XXXX XXXX # : XXXX XXXX XXXX XXXX  # : XXXX XXXX XXXX XXXX Original creditor : XXXXXXXX XXXX XXXXXXXX XXXX XXXX : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX Accounts that need to be updated. The late payments are inaccurate! 

XXXX XXXX XXXX  # : XXXX LATE PAYMENTS Shown are inaccurate. I've also contacted the XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX # : XXXX Late Payments - I have also contacted the XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX # : XXXX Late Payments - I have also contacted XXXX XXXX XXXX XXXX Self with no help in return. 

XXXX XXXXXXXX XXXX XXXX  # : XXXX Inaccurate Late Payment XXXX XXXX XXXX  # : XXXX  Inaccurate Late Payment
Consumer complaint received 2023-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (TX)

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX  Date XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX, Date of Inquiry XX/XX/XXXX & XXXX XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX
Consumer complaint received 2024-03-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. 
The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.
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: JPMORGAN CHASE & CO. (NJ)

I never gave written consent for these companies to have access to report anything without my consent which is a violation of my consumer laws 15 usc 1681e ( a ) ( b ) and violation of 15 usc 1681c LIST OF FALSE INQUIRIES : XXXXXXXX XXXX XXXX XXXX JPMCB CARD SERVICES XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-06
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: Securus J Holdings, LLC (CO)

JPay is extorting families, friends and associates " Sending Money '' to XXXX individuals!! CFPB hit JPay with {$6.00} XXXX in fines and restitution over FEE-HEAVY charges on " Debit Release Cards ( 2021 ). Hopefully, you can hit JPay with fines and restitution for FEE-HEAVY extortion " Sending Money '' to XXXX individuals!! 

Issues. First, the fee percentage charged is substantially different for a credit card ( 3.57 % ) and debit card ( 13.4 % ). Second, Colorado law says the maximum fee rate is 2 %. Third, JPay has failed to publish their fees and CSR failed to provide them upon request. 
Fourth, JPay offers no FREE option " Sending Money '' such as an electronic transfer from a checking account. An option provided by almost all companies billing customers. 

Additionally, I've yet to fact check XXXX individuals are charged a TWENTY Percent FEE ( 20 % ) by JPay or XXXX XXXX XXXX XXXX. This would be OBSCENE EXTORTION of the Person " Sending Money '' and the XXXX XXXX. 

Conclusions. First, XXXX  individuals are XXXX their XXXX  This is sufficient punishment. XXXX XXXXXXXX XXXX XXXX charging ANY FEE is OBSCENE EXTORTION and MUST be STOPPED. Second, JPay MUST be FORCED to Publish Fees and LIMIT FEES to 2 % in Colorado. 

Details for two deposits to date below. Can you help? Thank you JPay Deposits Personal details have been omitted and will be provided upon request. Personal details will be for CFPB and JPay internal investigation only. Personal details never to be published. 

XXXX - Deposit {$300.00} XXXX Credit Card - Cash advance fee {$15.00} - Cash interest charge {$0.00} - Total {$16.00} XXXX. JPay - Fee {$10.00} - Fee Rate 3.57 % XXXX, Totals - Fee & Interest - {$26.00} - Charge - {$310.00} XXXX - Deposit {$50.00} XXXX. Debit Card - No fee per bank, but not verified. 
2. JPay - Fee {$6.00} - Fee Rate 13.4 % 3, Totals- Charge {$6.00}
Consumer complaint received 2024-03-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (IL)

The balance on my XXXX XXXX auto loan account is incorrect the balance on the account was paid in full. I also received a XXXX balance letter from them as well. And with all of this they are still reporting a balance on my Experian and XXXX report. It needs to deleted or updated immediately!
Consumer complaint received 2024-03-28
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: Experian Information Solutions Inc. (CA)

I am a victim of Identity Theft and I have no knowledge of how this fraudulent activity happens. I also have no one to suspect. These accounts or inquiries reporting on my personal report have no consent or permission to be pulled. Moreover, I have not received any forms of goods, services, or money due to the theft. I would be glad to assist you if you have anything you need to support this fraudulent action. Thank you.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 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 XXXX XXXX  XXXX 

To Whom It May Concern : I would like to sent this complaint to inform you that the following inquiries were not authorized by me. Please delete them. Since I have never given permission for them to inquire about my credit status, they are unauthorized by me. Their continued presence on my credit report constitutes inaccurate information, must be removed. 

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 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 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 2023-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

XX/XX/XXXX ] [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX [ XXXX XXXX ], [ MI ] XXXX ] SSN : [ XXXX ] | XXXX : [ XX/XX/XXXX ] Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : Account Name : [ XXXX XXXXXXXX XXXX XXXX Account number : [ XXXX XXXX XXXX XXXX ] Reason : [ WRONG INFO ON MY ACCOUNT WANTED REMOVED. ] YOU ARE REPORTING THIS COLLECTION AS AN OPEN ACCOUNT. WHICH IS NOT UNDER FCRA compliance this is ACCURATE REPORTING AND NEEDS TO BE REMOVED IMMEDIATELY. PLEASE SEND ME A COPY OF MY CREDIT REPORT WHEN THE COLLECTION ABOVE IS REMOVED. Thank you for your time and help in this matter. Sincerely, [ XXXX XXXX XXXX ]
Consumer complaint received 2023-09-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (NY)

Called again on the XX/XX/XXXX was identified twice on the call, was passed to the XXXX team. The XXXX team then informed me I had to go to the branch to be identified and that they had no record of my XXXX previous visits to the branch despite me having provided them with the dates. The XXXX team then said that they were transferring my call to another team. I tried to not be transferred but they did it anyway. When I was transferred it went to an automated switchboard that asked me to chose from options on why I was calling. When I pressed option XXXX, it said that the branch was closed and for me to try again and disconnected the call. That was XXXX. I called again and my identity was checked again. I informed the operator of the complaints I had made to citi and several regulators. they then put me on hold while they would check my account. After XXXX mins of being on the call they came back and passed me to another team. They asked me why I was calling to which I responded I was calling to unblock my account. They asked more security questions. I asked for their name XXXX and said they can not provide their last name. They asked me to logout and then login to verify my identity on the citi app. I verified it on the app and they acknowledged it. Then they put me on hold again to verify the account. Its been XXXX on the call. They again refer back to the letter and were going to send a new one. I refused this and they mentioned they understand but they insisted that I needed to wait for a new letter to be sent today. While I asked to speak to someone with the authority to understand the size of the problem they disconnected the call. This was after XXXX mins on the second call.
Consumer complaint received 2024-03-28
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. (LA)

In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.
Consumer complaint received 2023-04-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am interested in processing disputes on my credit report to delete all inaccurate information on my transunion report. checking the file ive noticed alot of data is incorrect. please delete and review all information submitted in the files asap.
Consumer complaint received 2023-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

As a consumer, I actually have protection under the law that is delivered to me to secure me from misinformation simply being noted on my credit report. At this time I would like to prepare a final appeal for investigation before I confer with my own counsel to obtain advice on how to handle fraudulent, incorrect and unverifiable account that is keeping to be established as correct. Be sure to generate me with a duplicate of the agreement signed or voice interaction where I permitted charging me regarding this account. 

XXXX XXXX
Consumer complaint received 2023-12-09
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (TX)

On or around XX/XX/XXXX or XXXX, XXXX, Chase Bank initiated the unilateral closure of my account, a decision met with scant information despite my XXXX pursuit of elucidation. Acknowledging the contentious nature of our past interactions, I concur that terminating our financial association is a prudent decision. 

Engaging in further discourse with the bank 's representatives, documented through recorded conversations, led to the understanding that obtaining a cashier 's check at any branch on Saturday, XX/XX/XXXX, would be a seamless process. However, upon my visit, it became apparent that this resolution hinged on the necessity of closing all active claims, a path I'm reluctant to pursue without compromising my integrity. 

While I'm willing to leave funds available for ongoing investigations, my concern is rooted in the observed trend of extended delays and unresolved financial matters for patrons, raising doubts about the expeditious retrieval of funds, if at all achievable. 

The closure of my Chase Bank account has not only cast a shadow on my personal financial landscape but has also wrought considerable hardships for numerous individuals who, like me, rely on the timely access to their funds. This abrupt disruption has created a ripple effect, causing tangible setbacks in the lives of many. 

The repercussions extend beyond my immediate circumstances, reverberating through the lives of others who are dependent on the funds entangled in this bureaucratic quagmire. The protracted delays and uncertainties surrounding the retrieval of funds have introduced an unwarranted layer of stress and financial instability, affecting not only my well-being but also that of countless others who find themselves ensnared in this disconcerting predicament. 

As we collectively navigate the labyrinthine processes imposed by the bank, the toll on our daily lives becomes increasingly palpable. The detrimental impact transcends the individual, highlighting systemic issues that warrant attention and resolution to alleviate the burden borne not just by myself but by a community of individuals grappling with the ramifications of this unforeseen and unjust closure.
Consumer complaint received 2023-12-04
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: ROBINHOOD MARKETS INC. (OH)

{$36.00} XX/XX/2023 {$200.00} XX/XX/2023 I have been back and forth with Robinhood since the transactions took place. I have a multitude of corespondents between myself and Robinhood that provides all the information that they have request. Over 20 email. XXXX ( the merchant that the transactions was with ) has also sent proven documents showing they, yes indeed refunded the money back to Robinhood. 
However Robinhood has yet to refund the money back to me. 
Please let me know what else you may need, I have saved all communication along with screenshots of convos. 
Thank you, XXXX XXXX XXXX XXXX XXXX