davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-08
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. (MI)

Originally on XX/XX/XXXX, I sent off the investigation letter to make sure all of my accounts were properly investigated, and to make sure everything was XXXX XXXX XXXX The credit beaureaus stated that the date the account was opened was XX/XX/XXXX. That information is incorrect. This is grounds for immediate removal. They also violated my rights under 15 U.S.C 1681 Section 604 A Section 2. The law clearly states a consumer reporting agency can not furnish an account without my written instructions. I have never given these accounts written permission to furnish these accounts on my credit report. This is illegal. I also never received a letter requesting proof of my social security number or acceptable documents with instructions on where to send them. Quite some time has passed since I originally submitted this complaint, I am asking that this account be removed from my credit report.
Consumer complaint received 2023-09-04
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: JPMORGAN CHASE & CO. (CA)

My credit card balance was XXXX, for a few monthsthen their were charges totaling over {$500.00}. None of these are my charges!!! 

I called Chase Bank three times beginning XXXX XXXX. Each time they told me that the disputed charges would be removed, but they were not. They did send me a new credit card, but transferred the charges tithe new card. In XXXX I sent them a lengthy email explaining the situation, but they are still telling me that my payments are late. 

I am at a loss as to what to do. I am a widowed XXXX  citizen an am desperate for your help. 

Thank you
Consumer complaint received 2023-02-19
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (CA)

Between XXXX and XXXX I tried to refinance mortgage with Wells Fargo and after providing them with the documentation that they request they immediately foreclosed on my property anyway. I feel that this was a wrongful foreclosures, and if not for the wrongful loan modifications foreclosure would have been prevented.
Consumer complaint received 2023-09-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. I am trying to purchase my dream home and realized I have damages on my report. Total defamation to my character. NO CONSENT IS IDENTITY THEFT. As a consumer l am demanding the deletion of the accounts listed IMMEDIATELY!
Consumer complaint received 2022-12-08
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)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US SM BUS ADMIN 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 2024-05-04
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. (FL)

I started a drain cleaning company on XXXX and I went to Chase bank to open a business account. I provided everything they needed and they told me about the option to accept credit/debit cards for payment through the mobile banking app with XXXX. I accepted my first payment ( XXXX ) and that went through as agreed in the terms. I then go to another drain cleaning ( XXXX XXXX ) call on XX/XX/2024 and my customer pays me {$2000.00} for the services with their card. I noticed when checking the business checking account the payment did not go in within the time the first payment went through. I call XXXX and they state that it is under review, but stated Chase received the funds just has not deposited it into my account because of underwriting. I receive an email from XXXX by JP Morgan from someone named XXXX on XXXX requesting information from me about my business and I submitted all required documents ( XXXX, Articles, Invoice ). He responded yesterday that they are refunding my customer their payment made to me for work I already completed. XXXX stated in his email because of the proprietary process, we are unable to share specific details. I also reviewed the terms of service and nothing states I can not us them to process payments for my business for drain cleaning. This is causing a disruption in my business and I dont understand why the payment was sent back to my customer. I would like more information about this situation and detailed information why they didnt release the funds paid to me after I did a drain cleaning job for my customer. This is unacceptable.
Consumer complaint received 2023-09-12
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: NATIONWIDE ACCEPTANCE LLC (AL)

First my loan was originally with XXXX XXXX. I received mailing of a coupon book for payment on behalf of the finance company. I am almost 30 days late. I have contact by phone numerous times from different numbers regarding my payment within a 7 day span on today and XXXX XXXX XXXXXX/XX/XXXX of last week, I have received text messages. Today text threatened with repossession if I don't send a payment. Also I was asked for the location of the vehicle. I did stayed in my text response that a payment will be made on Thursday. The ha still continued until I stopped responding.
Consumer complaint received 2023-04-25
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)

I am interested in processing disputes that can help me delete all inaccurate information on my credit report with transunion. alot of data is an error an is hurting my credit report from being 100 % correct. please review an remove all the information sent in the file asap.
Consumer complaint received 2020-05-13
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (NY)

I did not receive Citibank promotional bonus {$700.00} at XX/XX/XXXX, however I confirmed with Citibank 3 times that all the requirements and criteria were met, and I was assured by Citibank 3 times that they would credit me {$700.00} around the beginning of XXXX. 

Detail timeline and actions : 1. At XX/XX/XXXX, I opened Citibank Priority Package with the promotional bonus {$700.00} upon meeting all the requirements. ( attached promotional web page screenshot - " promtionx '' ) 2. At XX/XX/XXXX, I checked the Citibank agent about the status of the bonus and the agent confirmed I had met all requirements and {$700.00} would be credited at XX/XX/XXXX. (  attached the chat screenshot - " XXXX '' ) ** XXXX at XXXX, XX/XX/XXXX : I see here that you made the required deposit amount on XX/XX/XXXX and maintained it for 60 days from the date of the deposit which was until XX/XX/XXXX. It states here that the cash bonus will be credited within 90 calendar days from the date that you completed the 60 days requirement to maintain the deposit. It should be credited on XXXX XXXX. " ** 3. At XX/XX/XXXX, Citibank agent reconfirmed all requirements were met to receive the bonus and I would receive the bonus at XX/XX/XXXX ( attached the chat screenshot - " XXXX '' ). 

** '' XXXX at XXXX, XX/XX/XXXX : I review this for you and see that the account did met the requirement should be credited to the account on or before XXXX XXXX '' ** 4. At XX/XX/XXXX, I contacted Citibank agent again since I did not receive the bonus at that date. Citibank agent again confirmed I met all criteria and asked me to wait till XXXX XXXX XXXX ( attached the chat screenshot - " XXXX '' ). 

** '' XXXX at XXXX, XX/XX/XXXX : I see that you have opened your account on XX/XX/XXXX 1. You have deposited the fund before 30 days that is on XX/XX/XXXX 2. You have maintained the balance for 60 days which is till XX/XX/XXXX I see that you have fulfilled all your criterias on XX/XX/XXXX Usually it takes 90 days to get credited in your account after meeting all the requirements which is XX/XX/XXXX. 

Your patience will be appreciated. 

I'm sorry if you have been provided any incorrect information earlier. 

Sincere apologies. " ** 5. At XX/XX/XXXX, a dispute about bonus was filed to Citibank. At XX/XX/XXXX, the dispute result concluded I was not qualified for the promotional bonus ( attached the dispute result letter - " document '' ). 

It was not acceptable to me that Citibank confirmed yes several times at first but did not honor it in the last.
Consumer complaint received 2023-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AL)

I wish to stress that I have no association with these creditors, and I did not instigate this inquiry on my credit report. I urgently beseech you to take immediate steps to remove it without any additional delay. I kindly request a thorough investigation into this matter and swift correction of the error by removing the unauthorized inquiry from my credit report. Your prompt attention to this issue is deeply valued and greatly appreciated.
Consumer complaint received 2024-05-04
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

Hello and good afternoon i have a bank account with citizen banks in XXXX ny. I find out that were more than XXXX fraudulent transaction i notify the bank ASAP and the bank declined my request in the sum of {$8800.00} the bank doesn't want to be responsible i have contacted the chairman office of citizen name XXXX and he never returned back my call i have exhausted all my options and i need help now i dont want to sue the bank but if i dont have choice i will sue them for taking so long
Consumer complaint received 2022-12-08
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. (AZ)

I was in the process of applying for Insurance and it was brought to my attention that there is some inaccurate, incomplete and unverifiable information reporting on my credit report. 
I received a copy of my credit report and to my surprise I saw all these inaccurate items that I have previously asked you to block. 
I was a victim of XXXX XXXX. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority.

Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft.

I have provided documents that can prove it. By the way I hope that this does not hinder my ability to obtain Insurance due to this inaccurate information reporting. 
I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( i ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.If you can not complete this request, please delete the accounts immediately.

I have provided an exhibit of evidence showing the inaccuracies of my reports.

Please investigate every piece of information and remove these items below from my credit report.

Accounts 1. The following personal information is incorrect Account Number : XXXX XXXX XXXX XXXX  2. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 3. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2022 Delete this account. 
4. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2022 Delete this account. 
5. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2022 Delete this account. 
6. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2022 Delete this account. 
7. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
8. there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
9. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
10. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
11. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, XXXX XXXXXXXX
Consumer complaint received 2024-05-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (CA)

I have filed a dispute with Chime XXXX XXXX XXXX  ) and they have denied me temporary credit also stating that they found no error in their investigation. I filed the dispute around XXXX and got notified the investigation was closed due to no error found during their investigation. I firmly believe they did not thorougly investigate the fraudulent activity and transaction on my account within the few hours they had to investigate. I have also submitted a police report as well as other supporting documentations to support my claim. Chime has failed me as a consumer to investigate and protect and insure my funds due to my belongings being stolen.
Consumer complaint received 2023-09-12
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Bread Financial Holdings, Inc. (IL)

Debt collector failed to send communication regarding the debt, introduction of who they are, what the debt is for, and my right to dispute. They just appeared on my credit report without notice. They must abide by the regulations and validate the debt. This has not been done. How did this debt collector, even have access to my credit report without the proper protocols and regulations?
Consumer complaint received 2023-09-12
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Chime Financial Inc (GA)

I have a prepaid card from chime my account was wipe out of {$4900.00} dollars I explained to them that my account was wipe out and told them some one has wipe out my account they ask me did I authorize anyone to use it and I told them no not at all I told them I clicked on a email that was sent to me about refund of {$19.00} they owe me I told them after I read email my account was wipe out clean they told me they couldn't do a dispute because I gave authorization and I told them no I did not I told them I need that money back in my account soon asap because that's was my XXXX XXXXXXXX XXXX XXXX XXXX  money for Social security administration because she's in need of XXXX of course they told me I'm sorry and they couldn't do anything so I done talk to 6 people all day and I screenshot the email to them and told them it came from your institution and they say no and told them that's you all email you sent me so I been disputing all day someone supposed to be helping but no money has been returned yet now I file a complaint with identitytheft.gov and now I'm going to file a police report.
Consumer complaint received 2016-04-14
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Elderlife Financial Services, LLC (MS)

I am not sure if I contacted you already. My dad suggested I contact your company and I contacted someone but am not sure if it was this company. My situation. 

I cosigned for a loan with a company called Elder Life Financial for a family friend. It was to be reimbursed by the VA. However, after getting the loan she became sick ( XXXX ) and passed away. I was unaware the proper paper work was filled out because although my name was on the loan I was never contacted unless a payment was late. Since her passing I have contacted the company numerous times ( upwards in the XXXX ). I have requested to speak to managers, anyone who can assist me in the situation and never received a call back. Most recently a gentlemen named XXXX XXXX who is in charge of the account supposedly has been contacted and left message after message with no response. Currently the payments sent our " interest only '' and have been for almost three years. The family friend making the payments as it was her mother the loan was for is on XXXX and can only afford a certain amount each month. It is difficult for me to assume responsibility for this loan as I am about to go back to XXXX in 6 weeks. Not to mention the company says the loan is to be paid in full by XX/XX/2016 and if not will turn it to collections. I can not get in touch with anyone to assist me with this matter. I have worked very hard to obtain a good credit standing and this is on the verge of ruining it. This is something I have no control over and I have no doubt it would have been handled properly had she not passed away. I am at a loss for what to do and would greatly appreciate any assistance you can give me. Thanks!
Consumer complaint received 2024-05-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AMERICAN EXPRESS COMPANY (MI)

I have provided XXXX pages of supporting documentation, including : Police report Disputed American Express payments ID and Social Security Card My credit report FTC Report FCRA I HAVE PROVIDED ALL THE NECESSARY DOCUMENTS TO REMOVE TWO FRAUDULENT AMERICAN EXPRESS ACCOUNTS. AMERICAN EXPRESS REFUSES TO REMOVE THESE IDENTITY THEFT ACCOUNTS. THEY HAVE VERIFIED ALL MY DOCUMENTS FOR THE REMOVAL FROM MY CREDIT REPORT. HOWEVER, IT KEEPS COMING BACK UPDATED AND VERIFIED FROM MAKING PAYMENTS. I HAVE PROVIDED PROOF OF DISPUTING THE PAYMENTS FROM MY BANK ACCOUNT THAT WERE MADE BY MY EX-BOYFRIEND. I BELIEVE THIS MIGHT HAVE TO DO WITH DISCRIMINATION AGAINST ME BEING XXXX.
Consumer complaint received 2023-09-12
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. (NM)

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.