davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-04
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (FL)

On XX/XX/XXXX, I filed a complaint with Citibank because I still have not received my funds from my closed account. 
On Friday, XX/XX/XXXX, I received a response from the bank where it tells me that my check will arrive at the address between 7 to days In the response they send me, they do not inform me of the tracking number and the company through which they sent it.

This information is necessary since they have been with my money for a year and 6 months
Consumer complaint received 2023-06-14
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. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-02-02
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (SC)

THESE ACCOUNTS AND INQUIRIES ARE INVOLVED IN LITIGATION AND DOES NOT BELONG TO ME. I NEVER ESTABLISHED THESE ACCOUNTS. THESE ACCOUNTS ARE A RESULT OF FRAUD. I WAS CONTACTED BY A COLLECTION AGENCY REGARDING THE ACCOUNTS THAT WERE OBTAINED UNDER MY NAME. I HAVE NO KNOWLEDGE OF OBTAINING ANY OF THE ACCOUNTS LISTED HERE IN THIS AFFIDAVIT REPORT, AND WAS TOLD THAT I NEEDED TO COMPLETE THIS AFFIDAVIT, ALONG WITH SUBMITTING MY PERSONAL IDENTIFICATION TO HAVE THE SUSPECTED FRAUDULENT ACCOUNTS INVESTIGATED AND REMOVED IMMEDIATELY.
Consumer complaint received 2023-06-14
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. (FL)

This is XXXX XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-02-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: IOWA BANKERS MORTGAGE CORPORATION (IA)

I inquired on a PMI statement that I received in XX/XX/XXXX to my banker. I was told by my original loan officer that once I pay up to 78 % of the loan, the PMI will go away and I wont need to make any more payments. I decided to pay make an extra payment one month after the loan to be below the 78 % on XX/XX/XXXX. 

I now being told that XXXX XXXX  recognizes the extra payment to 78 %, but the loan is actually outsourced to XXXX and they go by the " scheduled '' to 78 % for the automatic cancellation and don't recognize extra payments. This means I have been paying a PMI for 3 years even though I have been clearly under the 78 % and was under the impression that I wasn't I will note. I did not send a letter to cancel my PMI to XXXX until now.
Consumer complaint received 2023-02-02
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: Experian Information Solutions Inc. (MS)

All PAYMENTS WERE MADE IN COMPLIANCE WITH THE NEGOTIATED SCHEDULE WILL NEVER MISS A PAYMENT ON THIS LOAN. 15 USC SECTION 1692 ( g ) REQUIRES VALIDATION OF DEBT REQUIRING A DUTY TO RESPOND AND FAILURE TO RESPOND IS EQUATED WITH FRAUD. This was a joint account my wife 's name also on this account XXXX XXXX this also damage her credit file. Experian & XXXX XXXX 15 USC 1681 This Creditor has violated my rights under this law section 602 states I have the right to Privacy Section 604 Section 2 it also states a consumer reportion agency can not furnish an account without my written instructions. Also the creditor has violated 15 U.S. Code 1666 - Correction of billing errors 15 U.S. Code 1666b - Timing of payments -- -- A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer.
Consumer complaint received 2023-01-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: GOLDMAN SACHS BANK USA (MT)

I opened a Goldman Sachs Apple Card in XXXX. At that time, and all times since, I have lived at the same address in XXXX. I provided Goldman Sachs this billing address, and their database identifies my correct billing address. Despite this fact, Goldman Sachs authorized XXXX of transactions pushed from XXXX App Store using a XXXX billing address based in Washington , DC. As a result, I have been charged sales taxes that were not wed because Goldman Sachs authorized charges to a billing address that has never been associated with the card. 

XXXX says they can do nothing. Goldman says that XXXX should do something. I think it is on Goldman for authorizing transactions from its close business ally with a clearly erroneous billing address. 

Additionally, my terms and conditions with Goldman states that I can contact them via XXXX  messages. This used to be true. It is no longer true. I was forced to make a call, and then have XXXX transfers to get to an Apple Card XXXX. According to the terms and conditions, this non-written complaint via telephone is not binding on Goldman. Unfair and deceptive in my estimation.
Consumer complaint received 2023-01-26
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. (VA)

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 items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and updated XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-12-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc. (UT)

I applied for a new Visa Card From Comenity Capital Bank after going through the application process and all the security verification that i had to do since i have a fraud alert on my credit file the account was opened i was approved for a {$1000.00} dollar credit limit. 
I have multiple store credit cards with this card company insitution comenity capital bank never once have i ever been late not once has a payment ever been returned no once have i even ever tried to go over my credit limit never any issues in 2-3 years with this company they pulled my credit in XX/XX/2019 for the caesars rewards visa card and then aproved me after varification process i got the card activated it online set up payment accounts used the card to pay my auto insruance and a few other things then i made a payment as soon as those charges posted and then i was trying to use it at dinner the other evening and it was Closed i called in to find out why it was closed and they said because of information the credit beurue supplied them with they used an excuse like 5 times saying the credit beurie told them to and thats not possible because those beurues dont tell a bank hwat they cant and cant do then they explained it was info that came in the credit report and kept syaing I need to contact credit beure for this info. they would not tell me why they opened the account and then closed in just a few days after reopening it. 

I feel they in bad faith and bad business opened an account then closed it which now means I have more than just a 2 year inquiry on my credit file it means that they reported an opened account then they reported it closed so now its on my credit file for like 10 years i think because its a closed account they refuse to remove it or do anything to fix their bad faith bad business mistake. 
and all i want them to do is have the account removed from my credit file all together cause this is fraud i belive they fraudulently opened my account knowing they would close it to just play games and make it look good for them to have had a new customer but then not i don't know for sure but i do know that this was there mistake and i should not suffer for it
Consumer complaint received 2023-01-26
Product: Credit card or prepaid 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: SYNCHRONY FINANCIAL (NJ)

HAVE NOT USED MY PAY PAYPAL CREDIT CARD IN YEARS BUT SAW A BALANCE OF {$260.00} IN MY XX/XX/2022 XXXX CALLED PAYPAL TO COMPLAIN ABOUT THE UNAUTHORZED CHARGES ON MY ACCOUNT IN XX/XX/XXXX. CUSTOMER SERVICE ASSURED I DONOT HAVE TO PAY AND THAT THEY WILL CREDIT MY ACT FULLY AND INVESTIGATE. THEY DID NIETHER AND I STILL SEE BALANCE IN MY ACT. 
PLEASE HELP CREDIT MY ACCT AND CLOSE IT FOREVER.
Consumer complaint received 2023-02-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (OH)

I opened my account with them on XX/XX/XXXX and on XX/XX/XXXX they decided they were going to close my account. They would not give me a reason why they were closing it but left it open for almost a month before they decided to close it and it just happened to be around the time I started using the account to pay my bills. I have had two direct deposits into this account in the amount of {$600.00} a piece so two of them would equal {$1200.00}. I also deposited {$5.00} additional to open the account so they have {$1200.00} of my money -1 bill I paid {$110.00} for my license plate renewal and {$250.00} for the second bill for my car insurance. So that leaves XXXX of my money they still have ( if they paid for those two transactions ) and they will not release it. My credit score for XXXX is XXXX and each one of the three credit reporting bureaus have me listed at XXXX, plus I have two credit cards through XXXX XXXX. So I don't believe my credit is the issue. All I know is that I no longer have access to the account online or in a bank they have got it blocked so I can't see anything that is going on with it. So if I do have fraud on it for some reason I wouldn't know it. They sent me an automated email yesterday stating we posted a new notice or letter in your Chase mobile app and at the chase.com/statements here 's what it's about to protect against potential fraud we restricted your account and may close it soon. So I called them after I was unable to access anything in the Chase Mobile account so I don't know how I was supposed to read the letter they sent me and they informed me that they are closing my account. If they are going to close my account without giving me a reason ( which is fine ) I want my money back now!! That's a lot of money for them to be hanging on to when they plan on closing my account!! The point is they are holding my money and I don't have access to it and need to pay my bills
Consumer complaint received 2023-04-15
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. (TX)

Please be advised I have requested validation { not verification } of an item reported to you by the above original creditor/collection agency. I have received a response that clearly violates my rights according to HIPPA. XXXX, XXXX did NOT provide me a HIPPA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPPA rights. I am proceeding with legal action as prescribed by law against the above named original creditor/collection agency should this item not be deleted within the required time allowed by law. I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. 

I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously.
Consumer complaint received 2018-10-05
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: BBVA FINANCIAL CORPORATION (TN)

On XX/XX/2018 ; my XXXX XXXX was deemed a total loss after it was involved in my house fire. BBVA Compass bank took almost two months to send the required documents to my insurance company in order for my insurance company to pay my loan off. During this time, BBVA Compass Bank reported missed payments on my auto loan to credit bureaus. The first time my insurance company contacted them about the loss of my vehicle, they did not report it as a total loss. It wasn't reported as a total loss until almost a month after the fire when I contacted the company myself. On XXXX18, BBVA Compass was contacted by my insurance company ( XXXX XXXX XXXX ) at which time they ensured my insurance agent that they would email the title to my charger and the certificate of guarantee. On XXXX18, my insurance agent called BBVA again because they had sent the title and the letter of guarantee. However, the letter of guarantee did not have the payoff amount listed on it, which was supposed to be filled out by BBVA Compass. BBVA Compass ensured my agent that they would send the corrected letter of guarantee by the end of the day. On XXXX-18, my insurance agent contacted BBVA again because they had still not sent the the letter of guarantee with the payoff listed. On XXXX-18, BBVA sent my insurance agent another copy of the title. At this time, I called BBVA Compass Bank myself and they assured me that they would send the corrected letter of guarantee by the end of the day. On XXXX XXXX, my insurance agent was finally able to issue a check for my totaled vehicle. During the time it took BBVA Compass to send my insurance company the correct information, they reported missed payments on my account to credit bureaus. When BBVA Compass received the check from my insurance, they backdated it to XXXX ( the original month of loss ). However, they have not taken the " missed payments '' off of my credit report. When I called to inquire about this, I was transferred four different times and then told I had to email the total loss department and wait on a phone call from them. This company has put me through the ringer and I can't even get in touch with a person to dispute these charges. My insurance company would've had the car paid off within a week if BBVA Compass would have sent all the information to them in a timely manner. Now my credit score has dropped because of this company and their customer service has been of no help throughout this disaster.
Consumer complaint received 2023-01-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

In accordance with the fair credit reporting act.The list of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


XXXX. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

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 an 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 moreover 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 2022-10-29
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO. (CA)

Good evening I dont know what to do in my situation chase bank closed my account and dont wan na say what they close and what happened I do XXXX business in California and my customer pay me down payment online payment XXXX because more easy to transfer and money available same minute I dont need spend gas and time for pick up check and do deposit for last year I have couple big projects over XXXX each I dont do nothing not illegal for closing my business and personal account I feel not right block me I just try to work hard and support my family in XXXX please who read this help me found answers why Im in blacklist and please help me
Consumer complaint received 2023-05-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (VA)

Filed XX/XX/2016 Reporting of Bankruptcy court # XXXX, # XXXX, case # XXXX ( Experian ) Dismissed/Closed Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
The reporting of this hasnt been verified that it was furnished by the bankruptcy court system. It was actually furnished by XXXX XXXX. If within this investigation it is determined that it wasnt furnished via the properly lawfully process, which is the bankruptcy court itself, I would like to request that this reporting is removed from my credit file immediately. If not I will be forced to file for litigation in court to have this resolved.
Consumer complaint received 2023-01-26
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. (NC)

This is XXXX XXXX and this CFPB Complaint is a follow up to the recent CFPB Complaint I submitted requesting the removal of the disputed accounts and information from my Credit File which resulted due to my identity being stolen. I have read that under the Fair Credit Reporting Act section 605b, you are expected to remove any accounts and information that resulted due to identity theft. I sent you dispute letters with complete attachments of my personal information as well as the ID THEFT REPORT I received form the FTC last XX/XX/2023, and yet to receive a response. In accordance with the Federal law, I need you to have the disputed accounts removed from my Credit File as soon as possible : XXXX XXXX XXXX XXXX XXXX Balance : - XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$2200.00} XXXX XXXX XXXX XXXX XXXX Balance : {$13000.00} XXXX XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXXXXXX Balance : {$8500.00}. If you believe that the disputed accounts are accurate and belongs to me, I need you to send me any documents supporting your claims. If you can not provide me with such documents, I expect you to immediately remove the disputed accounts from my Credit Report.
Consumer complaint received 2024-03-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

Despite my repeated efforts to report these fraudulent listings, I have encountered significant obstacles and delays in their removal, which is deeply concerning. 

However, I regret to inform you that despite my persistent attempts, this charge persist on your platform for an unacceptable duration. This not only undermines the credibility of your service but also exposes your users to potential financial losses. 

Furthermore, the lack of transparency and communication regarding the status of my reports has only compounded my frustration. I have received minimal updates on the progress of my complaints, leaving me uncertain about the actions being taken to address these issues. 

As a valued user of your platform, I expect better accountability and responsiveness from your company in combating fraudulent activities. It is imperative that you take immediate and decisive action to improve the effectiveness of your fraud detection and removal processes. 

I urge you to allocate additional resources to expedite the removal of charge off account from your platform and enhance communication with users regarding the status of their reports. 

Failure to address these concerns promptly will not only erode the trust of your user base but also expose your company to potential legal and reputational consequences. I implore you to take this matter seriously and prioritize the protection of your users from fraudulent activities. I am asking for your assisstance to remove this account in my credit file : XXXX XXXXXXXX XXXX Balance Owed : {$3400.00}.