davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-08
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. (VA)

On XX/XX/2023, BY MY MISTAKE, I instructed XXXX XXXX to make an electronic payment ( {$3600.00} ) to a credit card account in my name at Chase Bank - that credit card account had been long ago closed at Chase Bank. No payment was due to Chase Bank ; I mistakenly sent the money to Chase Bank. 

I spoke to Chase Bank payment service agents on XX/XX/XXXX ( XXXX ), and XX/XX/XXXX ( XXXX ), asking for a refund of the money I had sent from XXXX XXXX to Chase Bank. Both agents acknowledged Chase Bank had received my money from XXXX XXXX, acknowledged the credit card account was long ago closed, and said Chase Bank would investigate making a refund. I heard nothing back from Chase. 

On XX/XX/XXXX I sent personal email to CEO of the Chase Banks credit card business, seeking resolution. On XX/XX/XXXX I mailed a certified letter ( duplicate of the XX/XX/XXXX email ) to the CEO of the Chase Banks credit card business. 

On XX/XX/XXXX Chase Banks Executive Services agent ( XXXX ) called me to say : she had my XX/XX/XXXX email, she is my contact point for this issue, Chase Bank is investigating, and XXXX will keep me informed. 

On XX/XX/XXXX, XXXX of Chase Bank Executive Service called to say : she has found the transaction and Chase Bank is processing a refund to my account at XXXX XXXX ; the refund will be completed in 7-10 business days. 

On XX/XX/XXXX, I called XXXX of Chase Bank Exec Services and left this message : my account at XXXX XXXX has not received any refund ; please provide transaction tracking information I can provide to XXXX XXXX. XXXX of Chase Bank B did not call back. 

On XX/XX/XXXX, I again called XXXX of Chase Bank Executive Services seeking tracking information. I said would initiate a complaint with CFPB if Chase Bank did not call back. 

On XX/XX/XXXX I initiated this CPFB complaint, and provided a copy to the CEO of Chase Banks credit card business.
Consumer complaint received 2023-01-20
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. (FL)

When I investigated my credit report, I realized that some of the accounts was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-03-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (GA)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report :
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: TRANSUNION INTERMEDIATE HOLDINGS, 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 these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-05
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Southwest Recovery Services, Inc. (GA)

After winning two civil suits against my former landlord, XXXX XXXX, and XXXX XXXX, I experienced retaliation in the form of damage to my credit. Specifically, they reported an amount of approximately {$38000.00} to the credit bureau, despite two XXXX XXXX judgment orders indicating that I owed them XXXX dollars. This has had a significant impact on my financial standing and I am seeking assistance in resolving this matter.
Consumer complaint received 2024-01-26
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: U.S. BANCORP (CA)

I am writing to dispute a hard inquiry listed on my credit report that I believe is inaccurate and unauthorized. The details of the inquiry are as follows : Creditor Name : US BANK DS WEST Inquiry Date : XX/XX/23 I did not authorize this inquiry, and I have no record of any recent application or credit request with the mentioned creditor. As such, I request that you investigate this matter and remove the unauthorized hard inquiry from my credit report. 


I understand that, under the Fair Credit Reporting Act ( FCRA ), you are required to investigate disputes within 30 days. I request that you conduct a thorough and timely investigation into this matter, notify me of the results, and make the necessary corrections to my credit report.
Consumer complaint received 2024-03-29
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. (MA)

I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over XXXX days old.
Consumer complaint received 2023-04-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: FIRST PORTFOLIO SERVICING INC (GA)

I was doing my regularly credit report check and noticed that there was a strange account from XXXXVERVENT SECURE CARD on my credit file. I never opened any accounts nor done any business with that company, therefore its been fraudulently opened. The inquiry date is XX/XX/2022. I request that this account be erased from my credit file and any internal database, as I am not liable for any accounts opened without my knowledge or consent under Section 609 of the FCRA. This couldve been completely avoided had you all followed the necessary precautions given that I have an active security freeze on my credit file due to prior identity theft involving my sensitive information.
Consumer complaint received 2023-04-11
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. (AZ)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX, XXXX XXXX Balance : {$0.00}, XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$0.00}, XXXX XX/XX/2023, XXXX XXXX XXXX XX/XX/2023, XXXX XX/XX/2023, XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/2023 XXXX XXXX XX/XX/2023, XXXX XX/XX/2023, XXXX XXXX  XX/XX/2023, XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023, XXXX XX/XX/2023
Consumer complaint received 2024-03-29
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: Experian Information Solutions Inc. (UT)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2024-07-07
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: TD BANK US HOLDING COMPANY (FL)

TD bank constantly and consistently shuts down my card for simple purchases ( less than {$5.00} ) at vending machines, XXXX, XXXX, XXXX, etc. and I can't call them to fix it, they refuse. They refuse to respond to multiple secure messages online. I have to wait from a call from them during the weekday to unlock it.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and Transunion credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Balance : {$540000.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$17000.00} XXXX XXXXXXXX Balance : {$58000.00}
Consumer complaint received 2024-01-23
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (SC)

Have been Citibank credit card customer for many years. Very satisfactory relationship. Having sold my home in XX/XX/XXXX I had significant funds and decided it would be sensible to entrust some of the sale proceeds with Citibank. 
On/about XX/XX/XXXX funded new Citibank savings account on line with {$100000.00}. These funds were transferred from my XXXX XXXX  XXXX account. 
On/about XX/XX/XXXX added {$50000.00} to this Citibank savings account with funds transferred from my XXXX XXXX Checking account XXXX 
On XX/XX/XXXX received letter from Citibank saying they were unable to verify recent activity. At that time they placed new savings account in " restricted status ''. 
I received this letter on XX/XX/XXXX and immediately called. Citibank would give no reason for this restriction. During my 2 phone calls that day, Citibank told me they were reviewing the situation. 
On XX/XX/XXXX XXXX sent further letter advising they were terminating the savings account. This would be closed within 60 days from the date of that letter. 
I called several times to try to confirm what they were doing. 
At NO time has Citibank asked me for any additional information. 
Called Citibank on XX/XX/XXXX for update since the 60 day period was soon approaching. 
Was told by Citibank that a check for the entire balance in this savings account would be mailed USPS to my address of record on XX/XX/XXXX. 
When this check was not received by XX/XX/XXXX, I called Citibank to determine status. I was informed that ( 1 ) NO check had been sent and that ( 2 ) I was attempting to take funds NOT belonging to me and that Citibank would only send the funds to the actual account holder The Citibank employee called me a thief but not using that exact word. 
This Citibank employee then abruptly hung up the phone. 
After recovering somewhat from the shock at this news AND the employee rudeness, I called again this morning. 
At that time, I was informed that all access to my account was blocked from that Citibank employee. 
She suggested I go to a Citibank Branch and the closest branches are in the XXXX XXXX area ( some XXXX miles ) or XXXX XXXX ( XXXX XXXX XXXX ). This would be a real hardship. 
In summary, Citibank has determined that I am trying to steal money that I entrusted to them. They have NEVER contacted me via text or email concerning this. Their sole contact was in the 2 letters mentioned above. 
I am trying to get my money back.
Consumer complaint received 2023-09-12
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Commencing on or about XXXX, XXXX, I fell victim to a multilayered scam operation orchestrated XXXX ( the Company ), which involved me making deposits for a total amount of XXXX USD from my Bank of America account to fraudulent firm
Consumer complaint received 2018-12-21
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OK)

On XX/XX/2018 I initiated a wire transfer from my Bank of America account to my overseas forex account using my online portal. The transfer was rejected by the receiving bank because, by policy, XXXXXXXX XXXX can not be used as a corresponding bank. I called Bank of America 's wire transfer department and asked them how I could specify XXXX XXXX as correspondent bank for the transfer and they stated I needed to go to my bank branch to make the transfer. On XX/XX/2018, I did this, sat down with a banker and specified in the " instructions '' portion of the request, XXXX XXXX was to be used as correspondent bank. Bank of America, again sent the transfer using XXXX XXXX as correspondent bank despite my instructions. The wire transfer again failed. Each time, Bank of America charged me {$45.00} and the receiving bank charged {$35.00} for the return. 

Convinced that they are incapable of handling simple instructions, I took matters into my own hands, by having them execute a simpler domestic wire transfer to a bitcoin exchange where I will manage the transfer in bitcoin by myself.
Consumer complaint received 2024-03-29
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: Experian Information Solutions Inc. (TN)

I have continued to ask for a signed contract with a wet signature and can not get them to produce XXXX. This loan was taken out online and is fraudulent. 

XXXX XXXX XXXX reported XX/XX/XXXX {$1800.00} Reported balance. 
Highest balance {$3300.00} You've paid off 45 % of this loan. 
Checking for errors? Review your full report details. If you find any issues, we can help. 
OVERVIEW Highest balance {$3300.00} Monthly payment {$100.00} Opened XX/XX/XXXX ( XXXX yrs, XXXX mos ) Term XXXX month CONTACT INFO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX ( XXXX ) XXXX
Consumer complaint received 2023-12-05
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: CashRepublic Holdings, Inc. (TX)

The company- Omni financial in XXXX Georgia practices predatory lending for service members. They never complied with federal mandates under XXXX when I deployed. The account was closed and charged off as a result of no correspondence while I was hospitalized. The company has since allowed the account to continue to accrue interest and falsely report on my credit.
Consumer complaint received 2024-03-19
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A. (GA)

Citibank inactivated my savings account because of no recent activity. When I learned this occurred, I contacted the bank and followed the instructions to send a letter requesting reactivation. The bank received my letter on XX/XX/XXXX ( by XXXX, tracked mail ). It was expected that they would resolve or contact me in XXXX business days after receiving the letter. 

I did not hear anything and contacted Citibank on XXXX. The customer service representative had no information on my previous call, and did not have any information on whether they were working on the reactivation request. I gave her the USPS tracking to locate the letter. I was told to wait another 2-3 business days for resolution. 

I again heard nothing. I called back on XX/XX/XXXX and another customer service representative said he had no information about my previous calls, and did not have documentation of the tracking number to locate the letter. I asked to speak to a supervisor who said he would contact me after XXXX business day to let me know the status of my request and they would be able to reactivate my account. I had to provide all the same information again to him. 

I did not hear back so called Citibank again today ( XX/XX/XXXX ) and was not able to reach him despite having his ID number -- it is clear that Citibank has poor documentation of client communications and the client can not speak to the same representative so nothing gets resolved, and no one is responsible. I was told today that they do not know the status of my request but I should wait to hear and unknown amount of time. I asked to speak to another higher level supervisor who could help me reactivate my account to access my savings. I was told they can only call me back in 1-2 business days. 

The bottom line -- I have followed all the instructions to reactivate my account but Citibank has not resolved the issue, or been able to tell me what the status is, or when it will be resolved. Or if I need to do anything else in order to complete this request. In essence Citibank is preventing me from accessing my savings account despite following all their instructions. It has been nearly 4 weeks since I contacted Citibank by phone, then by Priority mail about this issue, without any resolution or explanation.
Consumer complaint received 2024-03-29
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (NC)

Having reviewed my credit report, I've detected inaccuracies and signs of fraudulent activity in the listed accounts. I am profoundly dissatisfied with this discovery and insist on the immediate removal of these inaccurate accounts
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (TX)

Equifax Credit Bureau has violated my rights under FCRA by not providing my credit report as requested. I have requested my credit report for approximately 2 weeks, with the most recent date of XXXX XXXX XXXX, and have been unable to obtain my report. Equifax has further violated my rights under FCRA by evading my efforts to dispute identity theft/Fraudulent account XXXX XXXX XXXX with CFPB by knowingly and continuously reporting said account with its reporting agency. Equifax has continuously tried to evade dispute with CFPB and is liable under FCRA because it required that I furnish information to them before investigating my dispute in an effort to impose obstacles to deter submission of disputes with CFBP, Equifax has further violated my rights by not diligently investigating my dispute against XXXX XXXX XXXX and removing identity theft fraudulent account from its reporting agency.
Consumer complaint received 2024-02-20
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

For XXXX  BofA did not send my RMD for an inherited IRA from my XXXX  father. Now BofA is saying they can do nothing to adjust or correct this matter. This is clearly a BofA mistake............... We have received normal payments until now.
Consumer complaint received 2023-04-04
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: Spring Oaks Capital, LLC (NC)

In accordance with the fair credit Reporting Act XXXX XXXX # XXXX, has violented my rights.15 USC 1681 Section 602 State I have the right to privacy. 15 USC 681 section 2. It also state a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card under an open end consumer plan as late purpose.
Consumer complaint received 2023-11-08
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. (KY)

While checking my most recent credit report, I noticed unauthorized and fraudulent credit inquiries made by the following companies : Inquiries : ACCOUNT NAME, XXXX XXXX, Inquiry Date : XX/XX/XXXX .Account Name, XXXX XXXX Inquiry Date : XX/XX/XXXX. I did not authorize those employed by these companies to inquire and view my credit report. In addition, I did not give you ( XXXX XXXX, XXXX, Equifax ) permission to furnish this information onto my credit report. This is a violation of the Credit Reporting Act Section 1681b ( c ) which constitutes as fraudulent activity and is also a serious breach of my privacy rights. XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-09-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Firstsource Business Process Services, LLC (GA)

I disputed items inaccurate on my credit report. This is not my debt. I asked for a signatures, agreements, purchase information such as who authorized, where items were bought, delivered to, picked up from- etc.The companies only provided me with monthly statements. I argued that this is not proof of a debt owed the company said that they verified my name and address so its considered valid. I explained that they are violating FCRA REGULATIONS. They said that they are well within their rights as a creditor/ credit reporting agency