davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (FL)

Subject : Formal Complaint Against Chase Bank for Unjust Handling of Unauthorized Transactions To Whom It May Concern, I am writing to file a formal complaint against Chase Bank concerning their alarming mishandling of a case involving unauthorized transactions on my account. The events in question occurred on XX/XX/XXXX, when I fell victim to a horrifying incident involving drugging, robbery, and XXXX assault by an individual currently wanted by the FBI. During this traumatic event, the perpetrator exploited my unconscious state to conduct unauthorized bank transfers using the Chase app on my phone. 

I promptly reported this crime to the local authorities and provided Chase Bank with a comprehensive set of evidence, including official documents related to the ongoing criminal investigation. Despite the gravity of the situation and the substantial evidence provided, Chase Bank has inexplicably chosen to deny my legitimate claim for a refund. Their denial is grounded in the absurd assertion that the transactions were authorized using XXXX ID. I reiterate that I was unconscious at the time of these transactions, rendering any form of authorization impossible. 

Chase Bank 's refusal to refund the funds fraudulently taken from my account is not only unjust but also deeply insensitive to the trauma I have experienced. I have attached copies of the evidence submitted to Chase Bank for your reference. 

I urge the Consumer Financial Protection Bureau to conduct a thorough investigation into this matter, holding Chase Bank accountable for their negligence and insensitivity. I request the following actions be taken : 1. Investigate the case thoroughly, taking into account all the evidence provided, including official documents related to the ongoing criminal investigation.

2. Ensure Chase Bank refunds the funds that were fraudulently taken from my account due to these unauthorized transactions. 

XXXX. Hold Chase Bank accountable for their failure to provide adequate customer protection and for dismissing a case of such gravity without due consideration. 

I appreciate your attention to this urgent matter. I expect the Consumer Financial Protection Bureau to act promptly and decisively to rectify this gross injustice. Please do not hesitate to contact me at [ Your Phone Number ] or [ Your Email Address ] if you require any further information or clarification. 

I look forward to your prompt response and a resolution that upholds the principles of fairness, justice, and consumer protection. 

Sincerely,
Consumer complaint received 2015-07-29
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Linebarger Goggan Blair & Sampson LLP (OH)

I am receiving calls from Linebarger Goggan Blair and Sampson, LLP every day saying I own a debt from the year 1996I want to know how are they entitled to collect this debt and I want them to stop harrassing me. 

They just sent a letter of collection for this nonexistent debt for {$740.00}
Consumer complaint received 2021-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

Please be apprised that you are in direct violation of the Fair Debt Collections Practices Act. In my opinion you have violated at least three sections of this act by : Failing to validate a debt as allowed to the debtor under 15 USC 1692 ( g ) Section 809 ( b ) Communicating with a debtor after receiving a cease and desist certified mail under 15 USC 1692 ( g ) Section 805 ( c ) I have complete and thorough records of your violations and I am prepared to protect myself and my rights from unscrupulous collection agencies. 

I would like this account to be legally deleted from my credit report as i have taking the step from credit litigation against you guys.
Consumer complaint received 2021-05-18
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CITIBANK, N.A. (MA)

contacted the Credit Card Company XXXX due to late fees I am in collections for XXXX. I contacted them back in XX/XX/2015 stating that i was on XXXX and wanted to know how to pay on the credit card accounts without it being declared late or charged off. Never received a response in regards to the situation. then started receiving calls stating that they would take me to court.
Consumer complaint received 2021-05-18
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: EQUIFAX, INC. (CA)

I demand the deletion of the fraudulent accounts and public records listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : XXXX. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

XXXX. XXXX XXXX Account # XXX XXXX Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

XXXX. XXXX XXXX XXXXXXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

XXXX. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

THE UNVERIFIED AND INCORRECT PUBLIC RECORD ITEMS BELOW SHOULD BE DELETED : XXXX. XXXX  XXXX bankruptcy XXXX. THIS ITEM DOES NOT BELONG TO ME! 
XXXX # XXXX. 
Inaccurately posted on XX/XX/XXXX. 

XXXX. Bankruptcy XXXX  XXXX. THIS ITEM DOES NOT BELONG TO ME! 
XXXX # XXXX. 
Inaccurately posted on XX/XX/XXXX.
Consumer complaint received 2021-05-18
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: MUFG AMERICAS HOLDINGS CORPORATION (CA)

I opened a checking account with Union Bank on XX/XX/21 in a local branch and enrolled in a {$300.00} referral offer. The bonus offer requires to complete three direct deposits of {$500.00} or more OR spend {$1000.00} in total on a minimum of ten ( 10 ) purchases with the Union Bank Debit Card Mastercard. I confirm I have already completed both requirements and am waiting for bonus to hit in anytime. However, after almost 60 days of account opening, I received a notification from Union Bank that my login has been locked and my account will be closed on XX/XX/21 due to XXXX. At this moment, the locked login cause great inconvenience as I can not check my balance or download statements to find out my checking account number. Moreover, the date is interesting that after almost two months of account opening and deposit requirement are met, they all of a sudden decide to close my account, just right before they are due to credit me the bonus. I have never seen any bank closes account due to XXXX post-opening, and if there is such case closing account within one week after account opening makes more sense, but definitely not after two months. Therefore, I accept their decision to close my account but I request Union Bank to credit the {$300.00} bonus into my account before they end my relationship on XX/XX/21. I have to seek help on CFPB and hope this problem can be resolved properly. Thanks.
Consumer complaint received 2021-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX XXXX said I had a balance of XXXX with them. I asked for them to send me my info were I signed original document for loan, they did not. It was removed on XX/XX/XXXX and put back on my credit on XX/XX/XXXX by transunion. The decision was reverse by them after XXXX  reported it again and it should not be back on
Consumer complaint received 2021-05-18
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA (TX)

This Kia XXXX was paid off on XX/XX/2021. We confirmed with Kia Motor Finance on XX/XX/XXXX that the vehicle was paid off and the title would be released. We received a paper lien release in the mail, but the lien was never electronically released with the XXXX. We called for an update on the electronic release on XX/XX/XXXX, and were told it was taken care of and the lien would be lifted in 7-10 days. I called again on XX/XX/XXXX and was told that the payoff had not been " properly allocated '' back in XXXX so it was going to take another 10 business days to release the lien. I called again on XX/XX/XXXX and was told that the payoff was properly allocated and the account was closed, so now the electronic lien would definitely be taken care of. I called again on XX/XX/XXXX and spoke with XXXX who said it was very weird that it hadn't been taken care of yet, but he would escalate it to his supervisor and the lien would be lifted in 3 days. I called again today, XX/XX/XXXX and spoke with XXXX. I was told it still wasn't taken care of and all they can do is escalate it again. I requested to speak with a supervisor, and spoke with someone named XXXX. XXXX told me there is nothing she can do other than keep emailing the title team and asking them to release the lien. I asked for information as to why it hadn't been taken care of yet and I was just told that she didn't know, she didn't have any information, and all she can do is send another email. It has been over 4 months since this title was paid off and all that needs to be done is a click of a button to electronically release the lien.
Consumer complaint received 2022-11-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not update these accounts. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXXXXXX 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 2021-05-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (GA)

On the evening of XX/XX/21 I received an email from Citi that they had closed my credit card account. I've had this account with them for over 20 years and have never had a late payment. I called first thing the next morning and was told that they closed the account due to lack of activity. I explained that with the recent pandemic I didn't have the need to charge anything to the card since we weren't going out. I also asked them why they hadn't sent me a notice prior letting me know ( they seem to have no problems sending out marketing material constantly to me via email ), OR why they didn't let me know that this was a possibility when I contacted them several weeks ago in order to change my mailing address - they had no response. I asked that they re-open/reinstate my account during the call. The Citi rep then started a new application on my behalf and explained that it would be reviewed for approval. I explained that I did not want to apply for a new card, but to have my account re-opened/reinstated. She said going through this new application process was the only way. I spoke with a manager and was told the same thing.
Consumer complaint received 2023-06-02
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. (IL)

I did not initiate the opening of these accounts, and I have strong suspicions that they are fraudulent. I kindly request that you thoroughly investigate these accounts and take appropriate action to have them removed from my credit report.
Consumer complaint received 2022-11-02
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: EQUIFAX, INC. (NJ)

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

XXXX and Experian are not investigating the negative accounts reporting on my credit report. I have sent numerous letters to the bureaus requesting an investigation into the false reporting of these accounts and I have never received ANY communication from the bureaus to show that my multiple requests are being looked into. My most recent credit report shows the following accounts as not in dispute. XXXX XXXX - XXXX and XXXX ; XXXX - XXXX ; XXXX - XXXX XXXX XXXX - XXXX ; XXXX - XXXX ; XXXX - XXXX ; XXXX XXXX - XXXX and XXXX ; XXXX XXXX XXXX ; XXXX XXXX - XXXX ; XXXX ; XXXX ; XXXX ; and XXXX ; XXXX XXXX ; and XXXX. These accounts are in fact in dispute and this language needs to be reflected on my credit report. The Fair Credit Reporting Act states that I... Have the right to dispute incomplete or inaccurate information. This is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report, as well as not to report accounts that are in dispute. This false reporting is seriously harming my credit score and these line items need to be updated and/or completely removed from my credit report. Again, I have contacted the bureaus multiple times to review these accounts however, I have not been successful.
Consumer complaint received 2023-06-02
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. (GA)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2022-11-02
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (GA)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-03-26
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: EQUIFAX, INC. (SC)

I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.
Consumer complaint received 2021-05-18
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc (WA)

I'm a small business owner in Washington XXXX. We did a project for XXXX XXXXXXXX XXXX XXXX XXXX XXXX to complete the formulation and preparation of plant-based dispersion for farmers. The farmers came to our workplace to pick up the product in mid XXXX. XXXX accountant asked me if it was ok to pay through PayPal. I have a PayPal personal account. It works very well. I can receive the money transfer for free. I agreed. But later the XXXX accountant told me I had to register a business account to receive the payment. They can't send money to a personal account. I registered a business account with PayPal. It becomes a nightmare. 
There are two problems. The first one is I can't get the money. PayPal puts it on hold since XX/XX/XXXX. PayPal asked for the shipping receipt. I called them several times to explain the farmers came to pick up. There was no shipping receipt. But PayPal insisted I had to submit the shipping receipt. On XX/XX/XXXX, I received an email from PayPal. It said PayPal partially removed the limitations. I found they only asked for one item from a list. The first one was my company bank statement. I submitted the bank statement. On XX/XX/XXXX, PayPal told me the bank statement I submitted was incorrect. I downloaded it from XXXX XXXX  XXXX my account. How could they determine it was incorrect? Then I picked another item, which is a letter from IRS with the XXXX  number on it. I submitted the letter. PayPal accepted it. But after more than a week my money is still on hold. I had to pay the labor fee and other expense from my personal account. 
The second thing is PayPal charges 2.9 %, which is {$290.00}. I'm sure I didn't see anywhere PayPal said there would be 2.9 % charge. PayPal doesn't charge for personal account. As a consumer I have the right to know if there is a charge and how much is it. To make sure I didn't miss the place that PayPal might put the service charge statement, I used another small business I registered in Texas to register a new PayPal business account. I did very carefully in every step. I didn't see such statement. PayPal can't charge customer 2.9 % service charge without telling the customer when set up the account. If I knew there is a service charge, I would ask XXXX to wire the money to my bank account or just write a check.
Consumer complaint received 2021-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Dovenmuehle Mortgage, Inc. (OH)

I had Dovenmuehle Mortgage up until XXXX of 2020. They sold me to XXXX at that time. It is a joint account, all three of my husbands credit reports show in good standing. 2 of the 3 on my name show in good standing at the time of the loan closing, but on the XXXX  file, it shows 120 days lat in the payment status section and remarks section. Due to this, it is blocking me from doing a refinance loan on my home and I have great rates being offered to me as our scores are up over XXXX and XXXX. XXXX needs that removed to move forward and will not go forward with me until it is. 

I contacted Dovenmuehle multiple times. They informed me that my files shows I was never late but can not help me. The credit correction department can but, 1. doesn't have phones, and 2. doesn't have a manager to speak to. They won't even escalate it to any person. Tells me it may take 30 days or more to investigate and remove " if incorrect ''. 

This is utterly ridiculous and is going to end up costing me percentage points and money. 

I need help, I tried all the ways I could and the manner it should have been handled and Dovenmuehle has seriously failed me here.
Consumer complaint received 2021-05-18
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: PNC Bank N.A. (IL)

PNC posted directions it was working to resolve issues. But was not. It then suggested I contacted branch officers when appointments were made via a portal that expressly said Based on our review, we believe there are discrepancies that we want to work with you to remedy. 
they never worked at all, instead asked for reports it took hours to produce then failed to reply to them.
Consumer complaint received 2022-10-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: AES/PHEAA (TN)

I am submitting this complaint because this organization is reporting outdated inaccurate information on my consumer report. This account is past the statue of limitations it has been reporting for over 7 years. 15 USC 1681 ( a ) states the banking system is dependent on fair and accurate credit reporting. This account is on my credit report as a duplicate account and it also is outdated I reached out to the company to resolve this information but I had no success. Please help me resolve this matter. I want to exercise my Privacy Rights as well I did not consent to this 3rd party company housing my information. According to Family Educational Rights and Privacy Act ( FERPA ) I have the right to my privacy.