davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-13
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE (CO)

I used my Barclays issued Priceline credit card to made a reservation for a one week stay at a XXXX XXXX XXXX in XXXX, SC. from XX/XX/2022 to XX/XX/2022. 

We arrived at the hotel but the night clerk wouldn't even let me speak to her to show her I had a reservation she just pointed to the NO VACANCIES sign hanging above the office window. So we left and found vacancy at another hotel and stayed there for that week. 
I tried to notified Priceline about what happened but they apparently didn't get my message. Barclays wrongly alleges I owe them {$400.00} for the week of XX/XX/2022 to XX/XX/2022, I don't owe them nothing because I never stayed at XXXX XXXX XXXX, I had spoken to several customer service representatives, account managers but I was getting no where, so after I lodged my first complaint with CFPB an executive assistant to the president at Barclays responded to my complaint letting me know they were looking into my complaint, so I emailed her an invoice sent to me by XXXX XXXX XXXX showing they charged my card for one night, a cancellation fee of {$54.00} as proof that the {$400.00} plus late fees and interests the are trying to make me pay are bogus charges. This person told me she had forwarded the XXXX XXXX XXXX invoice to the financial office at Barclays but as today nothing has been done to right this wrong.
Consumer complaint received 2022-11-10
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)

XXXX XXXX XXXX XXXX  {$11000.00} XXXX  XXXX XXXX $ XXXX {$3400.00} XXXX XXXX XXXX  {$2800.00} I have no knowledge of these Accounts.they are reporting incorrect information on my credit consumer report.
Consumer complaint received 2023-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Bread Financial Holdings, Inc. (GA)

Comenity Bank XXXX In accordance with the Fair Credit Reporting Act this creditor has violated my Rights! 
Under Act 15 U.S.C. 1681 section 602 says " 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 an account without my written instructions ''. Under 15 U.S.C 1666B " A creditor may not treat a payment on a XXXX card account under an open and consumer credit plan as late for any purpose ''.
Consumer complaint received 2023-12-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: JPMORGAN CHASE & CO. (NJ)

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Chase Bank regarding their malicious and fraudulent reporting on my credit report, causing significant and unwarranted damage to my credit score.

The details of my complaint are as follows : In XX/XX/2020, Chase Bank closed one of my credit cards due to nonpayment of an amount related to price gouging during the pandemic. 

Subsequent to the closure, Chase Bank reported my account as charged off in XXXX 

Surprisingly, after the closure and charge-off, Chase Bank began offering me discounts to settle the outstanding balance.

The charged-off account has had a detrimental impact on my credit score. 

Chase Bank continues to report the nonpayment to credit bureaus, even though my account was closed and charged off three years ago.

The persistent reporting of nonpayment has resulted in the consideration of the debt as current, significantly impacting my credit score and hindering my ability to apply for a mortgage.

Despite the negative reporting, Chase Bank continues to offer me discounts to pay off the alleged outstanding balance.

I assert that Chase Bank 's reporting is not only inaccurate but also malicious and fraudulent, as it misrepresents the current status of the debt. 

It appears that Chase Bank 's continued reporting is an attempt to coerce me into paying an amount that I do not owe. 

I kindly request the Consumer Financial Protection Bureau to investigate this matter thoroughly and take appropriate action to rectify the inaccurate and harmful reporting by Chase Bank. I believe this ongoing situation not only violates fair credit reporting practices but also constitutes an unfair and deceptive practice on the part of Chase Bank. 

Enclosed with this complaint, you will find relevant documentation supporting my claims, including account statements and communication records with Chase Bank.

I appreciate your attention to this matter and trust that the Consumer Financial Protection Bureau will conduct a fair and impartial investigation to resolve this issue.

Sincerely,
Consumer complaint received 2024-04-14
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)

In accordance with the Fair Credit Reporting Act, The Accounts Listed Below have violated my Federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681. 

XXXX XXXX- Acct # XXXX, XXXX  XXXX Acct # XXXX, XXXX  XXXX Acct # XXXX, and XXXX  XXXX Acct # XXXX, have violated my rights. 

15 U.S.C. 1681 Section 602A. Clearly states, " [ I ] have the right to privacy. Furthermore, 15 U.S.C.1681 Section A Subsection ( 2 ), states, " a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681c Section ( a ) ( 5 ) further states : no consumer reporting agency may make any consumer report containing any following items of information and/or any adverse items of information, other than records of conviction of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-1 Sections ( A ) ( 1 ) : Indicates a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has any reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-12-13
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: EQUIFAX, INC. (FL)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-01-02
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. (FL)

I settled debt with first progress and account obligation was met. Ive attached proof of This agreement made with first progress. However, equifax only updated dollar amount. Which, makes me feel as there was no initiate taken by agency to look at the documents I originally submitted regarding how this account reflects
Consumer complaint received 2017-11-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY (NJ)

My bill with American Express was due on XXXX XXXX. The amount was XXXX. I pay my bills on time. I decided to pay XXXX, about 2 weeks before the due date bringing the bill down to XXXX. One week before the due date I received an email from American Express informing me that if I did not make a payment immediately the bank May suspend charging privelegs. This is not the first time I have received threats and harassment prior to the due date attempting to intimidate the cardholder to pay the bill prior to the due date, I called them and was very clear that the bill would be paid on the XXXX and not before because this is when I get paid and I have a budget. I also told them I have a mortgage but never receive intimidating emails threatening to cancel my mortgage if I dont pay it earlier than the due date. I have had my card fir 25 years with them. It is outrageous that XXXX contacts their customers with these threatening demands and they should be made to stop.
Consumer complaint received 2021-01-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. (CA)

I have a checking account with Chase Bank. Over the past 3-6 months, I am receiving text messages that incorrectly describe withdrawals, deposits and XXXX activities. For example, I receive text messages indicating that I owe money using XXXX or incorrectly made a payment.
Consumer complaint received 2023-12-13
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL (LA)

In XXXX I was denied credit after applying in SAMS CLUB. I called bank for underwriter where i was transferred back and forth and advised to apply again. On or about XX/XX/2023 I received a letter for denial of credit by Synchrony Bank for SAM 'S CLUB. However, I claim all rights, titles, and equitable interest in accepted applications and securities. In response to denial I sent letter to XXXX XXXX XXXX of Synchrony Financial with no direct response but i did get response from XXXX XXXX ( Office the President ) who claims she was directed by XXXX XXXX. No questions were answered to any satisfaction. I responded to make aware of my rights for resolution to no desired response for denial of my right to credit. Sent follow up email and reached out by phone with no additional response. 

XXXX
Consumer complaint received 2023-12-13
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Adjusters, LLC (AZ)

On XX/XX/2023, I called National Credit Adjuster about a XXXX collection item I had wanted to set up a payment plan to satisfy XXXX debt, have account removed, so I could get a car and prepare for home purchase. I REPEATEDLY TOLD THEM ABOUT HOME/VEHICLE PURCHASE. So I set up the plan and then the representative said I have another account and when she told me the amount, I said no way ... I needed to speak to the company first to validate the debt, and dispute. The representative assured me the debt was not reported to my credit bureau, but 2 days later they put it on my credit report. Why did they trick me into thinking the account was not reported, but then report after I told the rep that I had to look into things. They were very deceptive and should be reprimanded. Now I'm forced to pay {$2300.00} for both accounts. They should have been transparent.
Consumer complaint received 2023-12-12
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Opening an account — Account opened without my consent or knowledge
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

last month before XX/XX/20 I went to boa bank in XXXX location. 
I try to save my money in CD. Cuz now the interest is rate is pretty good. 
The banker name XXXX was helping me I told her I want to save my money in CD She told me theres other CD I can get which rate is higher than original CD. I trust her I said sure. Lets do it. she said I need to transfer money to an app. I start doubt it. I asked is this investment? Is it like stock I need to buy? Is it a risk? Is it more tax than original CD? 
Anyhow she said no. Its a CD and no risk and its not stock. 
I believe most banker are nice and will not lie to me So I trust what she said transfer my money to the app and follow her step and bought the CD her mentioned After a week I opened XXXX XXXX XXXX I see my money is dropping the price. I noticed thats not a CD. Its an investment. I couldnt sleep in few days and went back to XXXX. I asked her if this is normal? Her attitude was totally different and said oh my next client is coming. I said I just need 30 sec you anwser my question. She said oh I told you it is investment and dont worry its no risk. 
I felt scammed and betrayed and I am really uncomfortable with this situation
Consumer complaint received 2023-12-12
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (CA)

I have two American Express Business gift cards. One with a balance of {$450.00} and another with a balance of {$250.00}. I can successfully check these balances at the American Express website. However, anytime I try to actually use the cards anywhere, they just get declined. I called them to ask why, and they just said, " I can't use them online, '' even though the card says I can " use it anywhere ''. They even had me " register '' the card by adding my address to the card number, and they said now it should work, but it still doesnt. Most brick-and-mortar places also decline the cards. Now I have a ton of money stuck on these cards that I am unable to access, even though American Express itself tells me what the balance is on them. They are also set to expire in XX/XX/2024. So now I will most likely just lose that money.
Consumer complaint received 2023-12-12
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. (IL)

I have a pending lawsuit against all 3 credit bureaus for their failure to accurately report my credit information.

I need 3 things to happen by the end of this month or i will proceed forward with the lawsuit. 

1. XXXX XXXX and any other derogatories need to be removed from my credit report now. These things are damaging my credit and I will seek relief if we have to go to court. 
None of the information matches on all 3 credit profiles By law the information has to match across all 3 bureaus. By law of 15 U.S. Code 1681s2 part A, I have a cause to believe this information is incorrect. I have repeatedly for years have asked for changes to made and you all refused!

2. It is illegal for my report to have late payments.

PEr law 15 usc 6802. A financial institution is not able to disclose nonpublic personal information to a non affiliated third party. You all have done this multiple times and understand there are fines that you all will pay if this lawsuit goes through.

3. You all put on my credit report that I live in XXXX, TX. 
I have never lived there a day in my life. It is illegal for a credit bureau to falsify information on a consumer credit report. This alone has impacted in me getting many denialS of credit because they couldn't verify my location. 
THIS HAS NEVER BEEN CORRECTED.
Consumer complaint received 2024-04-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

XXXXXXXX XXXX XXXX  has reported account as delinquent. 
But at the same time reports payments made and all showing ontime. 
All payments have been made within the time frame so as not to be delinquent. 
Due to the delinquent status it is preventing me from closing on a home this coming week. 
Weve disputed with the bureaus and XXXX which state it will be reviewed within 30 days. 
We requested an expedited review due to the current situation and were denied and told 30 days. 
The information reported to the credit bureaus by XXXX shows payments as all current and on time. But has flagged the account as XXXX daysdelinquent. Not more than XXXX payments past due.
Consumer complaint received 2023-08-04
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: Experian Information Solutions Inc. (TX)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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 2023-12-12
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. (GA)

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 2023-12-12
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY (ND)

On XXXX I went to Wells Fargo to do a wire transfer of {$36000.00} to my XXXX XXXX XXXX account. The wire transfer was completed and 5 minutes later I after I left I got a call saying that I needed to come back because the rep forgot to include my account number the money was going to. I came back and they amended the transfer. Monday comes around and the money is still nowhere to be found and not in my XXXX XXXX XXXX account. I call Wells Fargo Monday XX/XX/XXXX and they say the money was sent. XX/XX/XXXX I check my account and there is still no money. So I call XXXX XXXX to see if they can see the incoming wire transfer, they see it and tell me that the account number was missing, routing number in the wrong spot, no beneficiary except the banks name so they rejected it and sent it back to Wells Fargo. Wells Fargo calls and tells me there is an error and that I need to come back in to redo the wire. So I come back in only for them to tell me we cant redo the wire until the money is put back in my account. They call in to escalate and they are told it wont be in my account before Friday but roughly gave me no time frame. I leave angrily and go to another branch to get confirmation and they did their best to help but ultimately I still left with little to no answers other than just to wait. So my money is currently sitting in limbo with Wells Fargo even though I got confirmation that the wire was sent back. All of this mind you while I have to make a large payment in the account my money was going to.
Consumer complaint received 2023-12-12
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: EQUIFAX, INC. (TX)

MY PROFILE HAS BEEN COMPROMISED BUT EQUIFAX HAS DECEIVED ME! ON XX/XX/XXXX AND XXXX 2023 EQUIFAX REPORTED TO ME BY LETTER AND RESPONSE HERE THROUGH THE CFPB THAT THESE INQUIRIES XXXX, XXXX, XXXX, XXXX XXXX, AND XXXX HAVE BEEN DELETED, BUT THESE INQUIRIES ARE STILL BEING REPORTED TO MY EQUIFAX CREDIT PROFILE! THIS IS UNACCEPTABLE AND EGREDIOUS THAT EQUIFAX IS IGNORING MY DISPUTES AND USING DECEIVING PRACTICES! I AM TAKING LEGAL ACTION IMMEDIATELY IF THESE ITEMS ARE NOT RECTIFIED NOW UNDER FCRA 605B. I HAVE ATTACHED PROOF THAT EQUIFAX HAS INFORMED ME ON XX/XX/XXXX AND NOTIFIED BOTH ME AND THE CFPB ON XX/XX/2023 THAT THESE INQUIRIES HAVE BEEN DELETED ALONG WITH PROOF THAT AS OF XX/XX/2023 THESE SAME INQUIRIES ARE STILL REPORTING ON MY EQUIFAX CONSUMER PROFILE OVER A MONTH AFTER YOUR CLAIM OF DELETION. DELETE THESE ITEMS IMMEDIATELY OR MY NEXT STEP IS TO CONTINUE WITH MY SUIT AGAINST YOU!
Consumer complaint received 2023-12-12
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: EQUIFAX, INC. (CA)

The 3 major credit agencies are not reporting my lawful and valid consumer of recently and currently discovered item ( s ) with probable deception that is not certifiably compliant in reporting and/or otherwise appear to be deficient in its reporting statuses as stated when reported. Furthermore, this declaration is my consumer 's rightful demand for an adequate investigation/reinvestigation into every part of any delinquency and or demeaning data charged of me to ensure the adequacy of lawful reporting! I understand that the reporting industry has intentionally developed a STANDARD for better ensuring certifiably compliant reporting practices, processes, and procedures are followed so that the maximum possible accuracy and completion is believable minus any deviations or diversions from the established and expected reporting of consumer data and acceptance of reported data by a receiving repository!
Consumer complaint received 2023-06-16
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. (NJ)

When I investigated my credit report, I realized that some of the information was erroneous. The credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please update these items. 

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