davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

Today I received the normal deflec lietter stating I MUST PROVIDE SPECIFIC IDENTIFCATION FOR THEM TO BE ABLE TO RESEARCH my complaint. Well sadly they have that information but evidently do not know it. Next the CFPB SOFTWARE does not allow the transmission of the last 4 of my SS on the complaint. An error that has gone unresolved by the CFPB for years! Sadly, because this company does not report real time their are balance issues on as number of current accounts THEY LIST! ( my wife 's and mine ) that do not reflect correctly.CREDIT CARDS XXXX BAL, LOANS XXXX, CAR PAID AND DISPUTES and negatives settled and paid. These lenders can hold off months posting correctly while negatives are posted IMMEDIATELY holding AMERICANS XXXX financially while they take their sweet time. Opinion evidently a good scam to keep ones fica score low to make more $ $ $ - fact! So please only the stupid so not know the game! And do not expect the CFPB to correct their errors because they never read the complaint just jail it or their employees may speak some XXXX but evidently do not comprehend it?
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (TN)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2023-02-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: JPMORGAN CHASE & CO. (FL)

In XXXX I applied for an XXXX credit card through Chase Bank because XXXX had advertised a {$60.00} credit on approval. So I created an account with XXXX and applied for the card online about XX/XX/2022. XX/XX/2022 I received an email from Chase asking for proof of address, which I promptly submitted that day with a scanned copy of my Drivers license ; " Please respond within 30 days of XX/XX/2022 about reference number XXXX. '' Chase had promised to reply within 30 days. 
I have an excellent credit rating and have never been denied credit. 
Not having received any further communication from Chase, last week I called the number on the email from Chase ( XXXX ) to follow up. I was transferred from XXXX to XXXX and finally to XXXX in the Fraud Department. XXXX  confirmed receipt of the drivers license and said it looked fine, but told me that someone had flagged it as inadequate. XXXX said he'd place a notation that it looked fine to him, but suggested I resend it along with additional documents through the local Chase branch, which I did on Friday ( Drivers license, passport, XXXX XXXX XXXX all showing the address I submitted on the application ). XXXX said I should get a reply in 3 days, but, again, I did not. 
Today I called twice and twice was told that my application was no longer active in the the Chase system. Both calls were disconnected by Chase mid-conversation. The second call was with XXXX at XXXX at XXXX XXXX  who told me that the application could not be reopened. 
I believe this could be a scheme by XXXX to get people to open an account with the lure of the {$60.00} credit promise. Or perhaps Chase is reneging on the {$60.00} credit as they now offer only a {$50.00} credit.
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: BARCLAYS BANK DELAWARE (NC)

I have tried numerous times to dispute monthly charges appearing on my Barclaycard Mastercard that I did not authorize. Barclaycard has refused to assist, and I am therefore filing this complaint. The monthly charges are from XXXX XXXX XXXX and currently total {$1400.00} ( as of the date of this letter ). 

On or about XX/XX/2020 I submitted a dispute for a monthly recurring charge in the amount of $ XXXX {$76.00} per month that I did not authorize. Attached is a summary of those charges, along with the several letters I sent to Barclaycard. In addition, I have spoken to Barclaycard numerous times by phone to discuss the matter and answer any questions they had. My request was/is to stop the recurring charges and reverse the charges that I did not authorize. To this day, the recurring charges continue each month. A few of the charges were reversed, but most have not. I pay my balance in full each month in order to maintain my good credit rating. However, I am still owed {$1400.00} as of this date.

The most recent letter from Barclays states they will not assist me because We are outside of the permitted timeframes to continue this claim through the dispute process. This reason simply makes no sense as I have been pursuing this matter since XX/XX/2020. 

Barclays has been very difficult to communicate with. Each phone call results in speaking to someone new and re-explaining the issue, only to receive a generic letter in return. I have spent countless hours on what I think would have been a simple issue, and Im kindly asking CFPB to assist in resolving this matter with Barclay. Specifically stop the on-going charges that are now {$79.00} per month and issue a credit in the amount of the disputed charges in the amount of {$1400.00}. 

Thank you for reading and hopefully assisting with this frustrating issue.
Consumer complaint received 2023-07-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I filed a dispute for incorrect information on my credit report.I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd paty.They in fact did not come from a 3rd party.l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out.I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2023-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Hello I am coming here today to let it be known that I went sent to capital one a letter notice via certified mail to let them know that they are permitting an unauthorized inquiry on my XXXX credit report. There is an inquiry on my XXXX report which is connected to an existing account that I have with capital one so I do not want that to be affected but there is an inquiry on my XXXX report dated XX/XX/2023 that is not connected to any accounts and that I wish to get wiped off of the report. I already sent capital one a letter of notice and demand for settlement concerning this situation and I wanted the CFPB to be aware of this so they can be alongside me through this journey just in case. Below I have attached the exact same letter I sent to Capital One via certified mail. The tracking number to the certified mail letter is XXXX
Consumer complaint received 2023-02-23
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. (OH)

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. 

Account name : FIXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 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 2023-01-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (VA)

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 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 2023-01-16
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: EGL US, LLC (TX)

I HAVE CONTACTED BMG MONEY SEVERAL TIMES TO LET THEM THE KNOW ABOUT THE LATE PAYMENT THAT IS REPORTING ON MY ACCOUNT DUE TO A HARDSHIP AND ME BEING IN THE HOSPITAL WITH XXXX XXXX XXXX XXXX. I hav asked several times that the late payment be removed form my credit report this is affecting me Badley at this time.
Consumer complaint received 2019-09-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

On XX/XX/19, my husband and I met with XXXX at Capital One 's XXXX, NY branch. This meeting took place after many previous phone calls and visits. Our issue has not been resolved. 

PENDING Chargeback HOLD PLACED FROM TRIPS {$50.00} Appears on statement as : Chargeback HOLD PLACED FROM TRIPS PENDING Chargeback HOLD PLACED FROM TRIPS {$50.00} XXXX Chargeback Refer to Maker {$50.00} XXXX Chargeback Refer to Maker {$35.00} XXXX Chargeback Refer to Maker {$200.00} XXXX Deposit correction debit {$35.00} XXXX Chargeback Refer to Maker {$200.00} XXXX Mobile Deposit Adjustment XXXX DR {$50.00} Appears on statement as : Mobile Deposit Adjustment XXXX DR XXXX Mobile Deposit Adjustment XXXX DR {$50.00} XXXX Mobile Deposit Adjustment XXXX DR {$50.00} XXXX Mobile Deposit Adjustment XXXX DR {$1100.00} XXXX Mobile Deposit Adjustment XXXX DR {$50.00} All of the above are income that either my husband or myself earned. We work hard for our money, yet it was taken away by Capital One. I am a vendor working for multiple companies. Often when I tried to deposit a check online that was from the same company for the same amount, yet different dates of service, I received an error message saying that they have already received this deposit. When I called Capital One to try to resolve this issue, I was told that I needed to go into the branch to deposit the checks, which I did. I still had issues. I would deposit a check for {$50.00}, it would go through, then when I checked my bank statement it would say minus {$50.00} due to a " mobile deposit adjustment '' or " chargeback ''. An irate employee - XXXX XXXX - from one of the companies I work for - XXXX - called me to complain about a chargeback for XXXX XXXX. I explained to her that it was the bank 's fault, not mine. She threatened me, saying that I " owed '' the company {$50.00}, and if I didn't " reimburse '' them, I would never be allowed to work for them again. My husband and I have done nothing wrong, yet we are being penalized. I have made many calls and visits to Capital One, and this issue is still not resolved. They appear unconcerned, not taking our problem seriously.
Consumer complaint received 2017-11-25
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Navient Solutions, LLC. (OK)

{$80000.00} was paid from my trust account with my social security number from the 15 U.S. Code 1692e Fair Debt Act.after payment i received a notice of receipt of paid in full about 2 weeks later i got a notice that the payment was there but they state that they had a notice of incorrect account. i request a coy of the reject code from my trust account the oringal stamp to report to the bank that was set up at my birth. I feel my consumer Right are and have been violated. and no full disclosure with this company
Consumer complaint received 2016-06-25
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (CT)

On XXXX/XXXX/2016 I applied for a Citigold Checking Account online and provided the code I received for a promotion of XXXX XXXX after spending {$1000.00} dollars in purchases and making XXXX direct bill payments. Citibank accepted my application and I printed the page where it stated that I had responded to this promotion. ( see attachment ) I completed the requirements for the promotion. ( see transcript of chat attached ) I sent a secure message to Citibank asking when the miles would be deposited and they answered that I " was not targeted for the promotion ''. 

This answer is not acceptable. They accepted my application with the promotion and their customer service representative confirmed I met the requirements. 

I opened XXXX investigations and still have not received a favorable result. 

I expect Citibank to honor this promotion. This looks like a dishonest marketing strategy to attract customers to open an account that has a $ XXXX monthly fee.
Consumer complaint received 2023-01-19
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY (WI)

My father passed away on XX/XX/2022. 

I made an appointment XX/XX/XXXX to close the account. Wells Fargo personal banker said I needed additional documentation to close the account. I had to schedule another appointment. 

XX/XX/XXXX - Met with a Wells Fargo personal banker and they said I needed an additional form from the Co-trustee in order to proceed with closing the account. 

My sister [ Co-trustee from a different city ] met with a personal banker from Wells Fargo in different city and completed the forms and XXXX them to me to. 

XX/XX/XXXX - Met with the Wells personal banker with the completed forms and they proceeded to fill additional forms that they had me signed and were notarized. They said it would take 7-10 days to review before I could come back and close the account. 

Called XX/XX/XXXX to schedule an appointment for XX/XX/XXXX. This appointment was cancelled by the personal banker because there was an error on the form they completed. 
They said it could take until the end of XXXX to resolve. 

I called the Wells Fargo Estate Center XX/XX/XXXX and they told me the case was on hold until the error was fixed. 

Scheduled an appointment for XX/XX/XXXX. This appointment was cancelled by the personal banker because there was a backlog at the Wells Estate Center for reviewing the forms. 

I called the Wells Fargo Estate Center XX/XX/XXXX and they told me the case had still not been reviewed. 

I am waiting for a call from the Wells Fargo personal banker to schedule when I can come in to close the account. 

At this point, I have zero confidence that this will be resolved in a timely manner.
Consumer complaint received 2023-01-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (GA)

XXXX XXXX is reporting that I have a chapter XXXX have never filed a chapter XXXX and they said that it was open XXXX XXXX  and XXXX on XXXX XXXX called them and they are trying to put the blame someone else.
Consumer complaint received 2017-11-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: U.S. BANCORP (UT)

I received letter XX/XX/2017 that was adjustment for XXXX $ That amount has been credited to my account as reverse entry. This will appear on my account effective XX/XX/2017. Case : XXXX After I called US BANK XXXX customer service to get explanations For my account balance, they told me I have to call my home US bank, which is located at XXXX XXXX XXXX XXXX, XXXX - UT XXXX ( XXXX XXXX XXXX ) for almost 3 weeks I try daily to know any informations from them, but I got zero result. Every time I call or go there, the cashier told me that the manager is not available, and he is the only one can explain, and answer my questions!! 
Thanks, XXXX XXXX
Consumer complaint received 2023-01-06
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: ENCORE CAPITAL GROUP INC. (VA)

During the month of XX/XX/2022 several call have been made to XXXX of my relative. The calls have been aggressive treats of civil suit in an different state. I have recented similar calls on my old phone I just lost last year. Now I have an gov free phone due to me finance issues.
Consumer complaint received 2023-01-06
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. (PA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party 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 2023-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

Dear Consumer Financial Protection Bureau, I am writing to bring to your attention a concerning issue regarding XXXX XXXX compliance with a specific creditor. Despite my attempts to rectify discrepancies, the creditor has failed to adhere to XXXX XXXX reporting guidelines, resulting in inaccurate and misleading information on my credit report. 

Enclosed are supporting documents highlighting the discrepancies. The creditor 's non-compliance has severely impacted my creditworthiness, leading to financial repercussions. I kindly request your intervention to ensure that the creditor complies with XXXX XXXX standards promptly. 

I appreciate your prompt attention to this matter and request your assistance in resolving this issue. Please let me know if further information is required from my end. 

Thank you for your time and assistance. 

The following company XXXX XXXX XXXX XXXX XX/XX/2023 2023
Consumer complaint received 2023-06-30
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Bridge IT, Inc. (IL)

Brigit never had authro8zed access by me to use my checking account for ACH withdraws. However, on XX/XX/2023 Brigit did indeed take an ACH withdraw from my XXXX checking account. I want to be sure they are unable to ever again take an ACH withdraw from my checking account.
Consumer complaint received 2023-01-06
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. (PA)

i have tried contacting XXXX, experian, and XXXX various times within the past year challenging the 100 % accurate reporting of this charged off account being reported on my credit report ... each time they say that it is verified as accurate ... .how so? they are violating my consumer rights high credits do not match per bureau XXXX is reporting {$3900.00} experian is reporting {$3900.00} XXXX is reporting {$3500.00} dates of last active do not match per bureau XXXX is reporting XX/XX/XXXX experian is reporting XX/XX/XXXX XXXX is reporting XX/XX/XXXX dates of last payment do not match per bureau XXXX is reporting XX/XX/XXXX experian is reporting XX/XX/XXXX XXXX is reporting XX/XX/XXXX and if you look at the 2 year payment history they are reporting XX/XX/XXXX
Consumer complaint received 2021-07-26
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: TradeStation Group, Inc. (NY)

I had contacted a bitcoin broker. They claimed that they will would trade my funds and make a decent profit. They claimed that i need to invest additional money which would yield a larger return and cover the fees to cash out the money from my account. At this point i sent {$800.00} to invest. I was then told that the transfer into my account failed and they claim i would need to pay an additional {$1000.00} in fees and would yield a really big return. At this point i realize this is a scam and did not send additional money. They kept trying to push for me to send them money. I kept asking for my initial investment to be returned and to take the fees out of my profit. At which point i was told that they could not do that. It is not their policy. They kept trying to convince me that this isnt a scam and to provide them extra funds and it would be worth my while. I kept asking for my initial amount back and was told no. I dont want anyone else to fall into this trap.
Consumer complaint received 2022-04-22
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (FL)

Coinbase seems unable or unwilling to change my phone number making it impossible to access my account. 

On XX/XX/22 @ XXXX XXXX, I discovered that I could not access my Coinbase account because I had changed my phone number. At XXXX on the same day, I called Coinbase customer support. After over an hour with XXXX on the line, nothing had changed. I still wasn't able to access my account and XXXX blamed " the system '' for his failure to correct the problem. He informed me that there was nothing I could do. So, In summary, can't access my coinbase account and there is nothing to be done about it so I guess I lose all of my funds.