davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-10
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Professional Bureau of Collections of Maryland, Inc., GREENWOOD VILLAGE, CO Branch (PA)

I have received several emails from XXXX XXXX. Those emails or attached to this complaint. I opened a XXXXXXXX XXXX total checking account in another state namely XXXX Illinois in XX/XX/XXXX. I closed the total checking account at a XXXXXXXX XXXX located on XXXX XXXX XXXX XXXX, XXXX, PA XXXX in XX/XX/XXXX. At the time of account closure, I received the remaining balance left in the account which was in access the amount in which XXXX claims they are still owed. Additionally, the account closure happened while there weren't any pending withdrawals. The account closure was performed with a positive balance and funds left in the account. The account closure happened in XXXX however the fees in which XXXX XXXX is claiming is owed occurred in XX/XX/XXXX. The account closure was after XXXX days of the transactions in which XXXX alleges is owed.
Consumer complaint received 2024-04-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIBANK, N.A. (CA)

Theres 5 hard inquiries that I did not authorize these companies ( Macys ) ( XXXX XXXX ) ( Bloomingdales ) to run a hard credit check on my report, theres 3 same inquiries with Macys/XXXX  , 1 with Bloom/XXXX  and 1 with XXXX and I would like that to be removed from my credit report.
Consumer complaint received 2023-01-16
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. (TX)

I've reached out to XXXX XXXX XXXX about XXXX accounts i do not recognize on my credit report and have not received updates. I believed my mail was stolen from my previous address of XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX and credit cards were open using my name and old XXXX University XXXX XXXX XXXX XXXX XXXX also opened that I promptly paid in full to avoid further damage to my credit. my new address has also showed up as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX the correct address is XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX.
Consumer complaint received 2023-06-15
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. (CA)

I am formally seeking proper guidance and assistance to secure that the information reported on my credit file is 100 % accurate. I recently received a copy of my credit report and feel that there is an item that is misleading and incomplete. Therefore, I request that you investigate this item. XXXX XXXX / XXXX XXXX I would appreciate your immediate attention to this matter. I am looking forward to a positive response from you.
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 — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

The Credit bureaus stated my accounts was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and last reported date is not accurate, the closed date is not accurate and last payment date is inaccurate, Days late are also inaccurate. This is grounds 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 A. section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

Also the Credit bureaus took more than 30 days to complete my investigation
Consumer complaint received 2022-11-14
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: EQUIFAX, INC. (CA)

Credit Bureaus are obliged to confirm the information and status of the account being reported on my Credit Report. But in my case, Equifax has kept reporting the disputed account saying that the information they gave is precise, in which I seriously disagree. I am submitting this complaint to you today to request that Equifax run me copies of documents bearing my signature to prove the status of the disputed account. under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Equifax shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first XXXX digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Equifax is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the XXXX-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. Please repair the account below : XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A. (TX)

Hi, I recently opened a checking account with XXXX  with a code attached to the account opening for a {$XXXX} bonus whenever I reached {$XXXX} in deposits to the account. I have now deposited more than {$XXXX} into the account and still havent received my {$XXXX} bonus. They have failed to reach back out to me after multiple phone calls and chat messages to their chat system. When I had finally gotten through to a rep, they told me the system was undergoing maintenance and to call back in 1 hour. When I called back, their system continued to say they couldnt connect me to a representative for my issue. I have tried to reach out by email too but no luck finding a credible email address. 

I also looked up this same issue on XXXX and hundreds of other people have failed to receive their {XXXX} bonus credit from the same offer. Apparently some XXXX reps had told people that too many people signed up with their {$XXXX} offer and they dont have the funds to pay everyone. 

Thanks, XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-15
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: EQUIFAX, INC. (FL)

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. 

XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX  # XXXX. 

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 2023-02-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: U.S. BANCORP (WI)

On XX/XX/23, I made a payment to my US Bank credit card, which was due on XXXXThe payment cleared my bank account on XX/XX/23. At that time, I also canceled auto-pay for my US Bank credit card, so the payment would not pull from my bank account on XX/XX/23. On XX/XX/23, I received a text notification from my credit union that a large transaction had posted to my account, in the same amount as my credit card payment from XX/XX/23. I called US Bank to resolve the issue. At that time, I was told they would request to have the funds returned to me on XX/XX/23, and that it would take XXXX calendar days. The cited reason for the delay was that it would take XXXX days for the payment to clear and be received on their end. Once that was confirmed, they would return the payment to me. On XX/XX/23, I called US Bank again, because I still have not received the refund. I wanted to confirm that the refund request was processed on their end, and to obtain a time frame for when the funds would be returned to me. The first person I spoke with told me the refund request had been initiated, but that it would take 8 days for the funds to be returned to me. I was connected to a supervisor to request that the process be expedited. I was on the phone for a long time with the supervisor and the call was eventually disconnected. I called back, spoke to another representative, and was again connected with another supervisor. After being placed on hold for several minutes, he initially told me that there were " alternative solutions '' to my problem. He then said that the only solution was for me to wait 10-16 business days, citing that they are " a large financial institution '' and they " need to research it. '' When I asked for more information about what that means, he simply repeated himself. I asked to speak to another supervisor, or his supervisor. At that point, his tone became combative, and he told me that they may not take my call, and they would tell me the same thing. I waited on hold for another several minutes. Eventually, he told me there was something else I could do. If I could fax them proof the funds were taken from my account, they would " rush '' the refund request, and return the funds to me in 3-4 business days, or by XX/XX/23. If not, I would receive the funds back in XXXX business days, or by XX/XX/23. I am filing this complaint, because US Bank never should have debited my account for these funds in the first place. The secondary reason for this complaint, is that US Bank is intentionally delaying the return of my payment. The third reason for this complaint, is that every time I have called to speak to someone, I have gotten a different answer regarding the time frame for the return of my funds ( 3-8 calendar days, 8 calendar days, 10-16 business days ).
Consumer complaint received 2024-04-23
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: DISCOVER BANK (FL)

I am a hardworking individual has been diligently paying my accounts on time for the quite a long time. However, upon reviewing my credit report, I discover several instances of late payments recorded by these creditors. Perplexed by this discrepancy, I contacted these creditors to inquire about the inaccuracies. After discussing the matter with a customer service representative and the billing department, it becomes evident that there was a mutual agreement between me and these creditors to adjust the payment schedule due to unforeseen circumstances. Despite adhering to this adjusted schedule, the payments were mistakenly marked as late in the system. Understanding the gravity of the situation, these creditors swiftly acknowledge the error and assures me that the inaccurate late payments will be rectified. Additionally, they offer to provide written documentation of the agreed-upon payment schedule to prevent any future misunderstandings.
Consumer complaint received 2017-03-26
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Orion Portfolio Services, LLC (PA)

Orion is fraudulently reporting a XXXX account to my credit bureaus I have been disputing for over 3 years. We have written Orion Portfolio, as well as their subsidiaries, such as XXXX, XXXX, and XXXX several times over the last three years disputing a debt supposedly owed to XXXX in the amount of {$360.00}. As we have stated on numerous occasions to Orion ( and its subsidiaries ), this amount is owed due to double billing on old XXXX account ( that was supposed to have been closed ) along with new ( current ) XXXX account, all at the same time. Even though we have disputed this debt, to this day Orion, through XXXX, is reporting this account to credit reports. We have tried many attempts to reach Orion to no avail. XXXX, however, is not willing to correct the reporting of this account.
Consumer complaint received 2024-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (WA)

XXXX XXXX XXXX XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal bank account at XXXX XXXX XXXX opened on XX/XX/XXXX account # XXXX with a balance of {$210.00}, a personal credit account opened at XXXX XXXX XXXX XX/XX/XXXX account # XXXX with a balance of {$490.00}. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive attached a list of hard inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the aformentioned fraudulent items. I do not recognize the aforementioned accounts, collections, as mentioned. The aforementioned accounts, collections or hard inquiries appearing on my consumer credit report maintained by you were not opened, or initiated by me. All of the aforementioned accounts, collections and hard inquiries are the result of identity theft and fraud, I have attached a copy of FTC identity theft criminal complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2024-04-23
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: LAKEVIEW LOAN SERVICING, LLC (MA)

My husband was unemployed XX/XX/year>- XX/XX/year>. This is the time when we first began to fall behind in our mortgage and other bills. We applied to XXXX through the XXXX, which would've provided {$7000.00} towards our past-due amount, if we could pay the difference ( at that time, approx {$2500.00} ). We are in the same situation now : we are further behind in our Mortgage, since we are not able to make incremental payments and rather are required to pay the full past-due amount, which we do not have on-hand. We have again applied to XXXX, which has again let us know that they will pay up to {$7000.00} towards our past-due amount of {$11000.00}. However, they will not make the payment of {$7000.00} until they see receipt of payment for the difference ( {$4200.00} ). We do not have this cash on-hand, which is why we are applying for help, so we are trying to work with the mortgage lender to adjust our amount due to {$7000.00} and move the {$4200.00} to the back of the loan OR find a way to break up the payments. Once we are caught up, we can afford our current mortgage amount of {$1800.00}. We are afraid that any modification will result in an increased monthly payment, which is not helpful considering that we are already behind. 

We also have corresponded with HUD, who let us know that the loan modification provided by XXXX is our only option.
Consumer complaint received 2023-06-15
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: TMX Finance LLC (GA)

Applied for a Title loan with TitleMax. We were approved for {$1100.00} only. The Employee that handle our paperwork however, lied to us about the interest rate. We were told there was no interest rate and that we would only have to pay the {$1100.00} back and late fees if we were late making a payment. We signed a paper contract with the employee. We continued to pay the company every month since XX/XX/2022. We ended up overpaying the company {$1200.00}, however our account balance never went down it remained the same. The employee who handle our paperwork, ended up leaving the company and there were several other complaints from other customers about the same thing. We were informed of this by other employees at the company. We have been receiving harassing phone calls, threatening to repossess our vehicle. We were told by one employee that they had a 300 % interest rate, and told by another that the interest rate was 15 %. We were bidded into this contract under false pretenses. We also spoke to an employee today via telephone and she informed us that our signatures wasn't on any of the paperwork. So basically we have been overpaying for months and being harassed for months from a company that doesn't even have any paperwork on us. We made payments online and in-person. We just really need help because the money we have been giving them could've been used on our XXXX children or us moving and finding a place. We are now on the verge of being homeless because we had to pay this company because we needed our vehicle for our children and our own personal health reasons as well. I've inserted screenshots of payments made on line from the Titlemax, the other payments were made in-person and paid in cash.
Consumer complaint received 2023-05-25
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. (TX)

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-09-05
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. (AZ)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, regarding 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 a account without my written instructions
Consumer complaint received 2022-11-14
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. (NJ)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX Account # 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 a account without my written instructions
Consumer complaint received 2023-03-03
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)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-23
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (TX)

I am writing to file a complaint against Chase Bank regarding a missing ATM deposit made on XX/XX/2023 I deposited {$1800.00} in cash at However, the full amount was never credited to my account. I have contacted Chase customer service on several occasions to report the missing funds, but the issue has not been resolved. I have been provided with various answers. I have not received any concrete information about the whereabouts of my deposit or a timeline for resolution. This missing deposit of {$1800.00} has caused me significant financial hardship, as I am unable to access the funds and have been relying on alternative means to pay my bills. Additionally, this incident has eroded my trust in Chase Bank and its ability to handle my financial transactions securely. Desired Resolution : I request that Chase Bank immediately investigate this matter and credit the full amount of {$1800.00} to my account. I also expect a clear explanation of what happened to my deposit. I recently thought this was resolved with a credit back to my account but it was removed. Please investigate this