davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: JPMORGAN CHASE & CO. (IL)

Chase decreased my credit limit without warning from XXXX XXXX to now just XXXX which is a XXXX decrease for no reason. When I reached out to Chase, Chase Bank gave no real explanation for the decrease. This has adversely affected me as I have had good credit with an exceptional payment history on all my credit accounts never ever late for over 15 years. Which I pride myself on always paying all my bills on time. I also Just paid off an auto loan in XX/XX/XXXX that is almost XXXX XXXX without any missed payments. When Chase Bank decreased my account it again adversely affected my credit score and caused my credit usage to Increase substantially in percentage from 35 percent to over 70 percent Chase has decreased my credit limit for no reason on my Chase Slate Card. I opened my Chase Slate card in XXXX. In almost 10 years my payment history is outstanding never missed a payment and I always pay more than the monthly payment amount. 
On XX/XX/XXXX, unbeknownst credit usage. A good credit usage is around 30 percent credit usage. A high credit usage of 50, 60, and 70 percent usage is not good. I have requested to have my balance reinstated which I could within one year and I have been denied. I have also been denied by Chase to increase my credit limit to any amount less than the original XXXX XXXX credit limit. I have also been denied for any balance transfer as well. Chase now claims my debt is too high to increase my limit which is false. Im not nowhere close to maxing my credit cards. I also currently have close to over XXXX XXXX available credit I dont feel this is right. This has caused me mental distress, and pain and suffering.
Consumer complaint received 2021-12-13
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. (MS)

AD Astra Recovery is claiming I owe {$670.00} and XXXX XXXX claiming {$670.00}. They also falsely place information my credit report. Be advised, this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested. 
This is not a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your office provide me with competent evidence that I have any legal obligation to pay you. 
Please provide me with the following : What the money you say I owe is for ; Explain and show me how you calculated what you say I owe ; Provide me with copies of any papers that show I agreed to pay what you say I owe ; Provide a verification or copy of any judgment if applicable ; Identify the original creditor ; Prove the Statute of Limitations has not expired on this account ; Show me that you are licensed to collect in my state ; and Provide me with your license numbers and Registered Agent.
Consumer complaint received 2022-01-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WV)

As by Law, under 15 U.S Code 1601- Congressional findings and declaration of purpose. The information use of of credit result from an awareness of the cost thereof by consumers. it is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit. and to protect the consumer against inaccurate and unfair credit billing and credit card practices. I noticed some items on my credit profile as I do not recognize and inquiries that I am not familiar. I already contacted TransUnion, XXXX, and XXXX about this error and still haven't received anything from them. I am asking seeking help that this account be Deleted and Blocked from being reported on my credit report.
Consumer complaint received 2021-12-13
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TD BANK US HOLDING COMPANY (MD)

Dear CFPB XXXX, I would like to file a new complaint ( previous was XXXX - CFPB - XXXX ) regarding suspicious business practices I encountered regarding TD Bank about a year ago when an unauthorized account was fraudulently created under my name ( and SSN ) online. While my bank account has since been closed, there is clearly suspicious activity and identify theft happening, and it concerns me that TD Bank has simply closed my account without any further investigation. 
Here is a brief outline of events : XX/XX/XXXX I learned an account with TD Bank was opened online in my name/SSN using benefits paid out by the State of Arizona XX/XX/XXXX I was informed that my unauthorized account was closed and to contact the Corporate XXXX if I had further concerns ( XXXX - CFPB - XXXX ) XX/XX/XXXX I communicated with the Corporate XXXX and learned that the account was opened using XXXX transfers in a name that was NOT even mine The most concerning part is that an account was created under my SSN using XXXX transactions that were not in my name. At this point, Im also suspicious as to whether the AZ XXXX benefits are somehow tied to my name and wonder if there is potential for deeper fraud than what TD Bank is stating. 

I can provide the correspondence ( emails ) with TD Bank the way was handled from allowing the account to be created in the first place to simply closing the account when there is clearly identify theft seems very negligent on TD Banks part.
Consumer complaint received 2022-05-27
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)

The Credit Bureaus have 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 a account without my written consent or instructions. 

I have not given these accounts written permission to furnish these accounts on my credit report.
Consumer complaint received 2019-12-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (VA)

XXXX Department,I've called back both of those days and left messages for XXXX  with no return call.Totally disagree with your assessment, haven't seen anything in writing that you said you were going to send me. Please email me the federal requirements that you speak about below.Also attached is my original Private Mortgage Insurance DisclosureUnder the paragraph Automatic Termination of PMI it states "if you are current on your loan payments (which I've never been late in 15 years), PMI will automatically terminate on the date the principal balance of you loan is scheduled to reach 78% if the original value of the property.78% of my principle balance on my loan is $XXXX (original price $XXXX x 78%=$XXXX). My principal of $XXXX   on my loan was reached on XX/XX/XXXX!So according to my calculations my PMI should have ended on that day. So in calculating $XXXX for 29 months you need to reimburse me the amount of $XXXXI will also be contacting the Consumer Financial Protection Bureau.Respectfully,On behalf of PHH Mortgage Services (PHH), the Escalation Department would like to thank you for your recent inquiry. The Escalation Department was created to provide a resource to assist with unresolved concerns and issues.Thank you for bringing your private mortgage insurance (PMI) cancellation concerns to our attention.We welcome the opportunity to assist you.  However, our attempts to contact you on XX/XX/XXXX and XX/XX/XXXX to personally discuss your case have been unsuccessful.We regret to inform you that the account is not eligible for auto termination of the private mortgage insurance (PMI) due to federal requirement. Should you have any further concerns, you may contact XXXX  directly toll free at (XXXX) XXXX, select Option XXXX, Extension XXXX or email XXXX  at XXXX. For general account questions you may visit XXXX. You may also contact Customer Care Center via telephone at (XXXX) XXXX   during the following hours:Monday ? Friday XXXX XXXX ? XXXX XXXX ETSaturday  XXXX XXXX ? XXXX XXXX ETXXXX C/O PHH Mortgage Services, LLCXXXX XXXX XXXXXXXX. XXXX, NJ XXXX
Consumer complaint received 2023-03-15
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: CAPITAL ONE FINANCIAL CORPORATION (GA)

I am writing this complaint to CAPITAL ONE AUTO FINAN. I sent them a letter regarding the inaccuracies in my report such as date of last activity, date opened, date reported, payment status etc. They took more than 30 days to complete the investigation and they claimed that they did a thorough investigation. However when I checked my report, I did not see any changes made at all. The inaccurate information are still reporting. 

My rights has been violated numerous times. 15 U.S.C 1681 section 602 A. States that 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 instruction.
Consumer complaint received 2024-03-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: FIRST HORIZON BANK (NC)

On the night of XX/XX/2024 I received an alert that a bill payment was sent for {$4900.00} from our small business account, XXXX XXXX XXXX XXXX. I immediately looked up the XXXX number to call and report the fraud. By the time I got a person on the line she said there were 4 transactions totaling {$19000.00}. She calmed me by saying don't worry this is clearly fraud, the bank will take care of you. These payments were made within minutes apart. A fraud investigation was filed. The fraud was linked to an XXXX card. The thief was actually in our account, made an XXXX payee in our bill pay to steal the money. I was told to delete the payee by the bank employee, so I did. I now question if that was a good idea. I received an email on XX/XX/XXXX stating no bank errors and saying we are responsible. On XX/XX/XXXX I went to the bank and ask for the bank to reopen this case. On XX/XX/XXXX I received a call offering {$2000.00} and a denial of claim. Since then my partner went to the bank and they informed him that they were blaming the fraud on my email, which I use with our company account. During the time of the fraud my phone was overloaded with all kind of strange emails, I believe to distract me from seeing the alerts from the bank. I have once again ask the bank to reconsider their decision alone with sending me there investigation report. I have now filed a police report and searching for an attorney.
Consumer complaint received 2022-01-03
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC (OK)

I have never signed contract nor any contract with National Credit Adjusters LLC. I have never done business with this company. I am not liable for collection from this debt from XXXX XXXX. I am not responsible for this debt with National Credit Adjusters. 

On XXXX XXXX a certified letter was mailed to notify that I have never open any loans with anyone in XXXX. I requested verification of this information and nothing was sent. No response at all.
Consumer complaint received 2021-08-30
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: Prosper Marketplace, Inc. (GA)

Monday XXXX XX/XX/2021, I received an email from Prosper Marketplace Inc. aka Prosper Funding LLC, stating that I was pre-qualified for a loan of up to {$9000.00} and that checking my rates on said loan wouldn't impact credit score which means that they would only conduct a soft inquiry. However, they made a hard inquiry which did in fact negatively impact my XXXX credit score! 

YOUR PRE-APPROVED APPLICATION You're preapproved for {$9000.00} Finalize your loan of $ XXXX and your money could be deposited to your account as soon as the next business day after completion of all necessary requirements1 Lock in Your Rate Checking your rate will not affect your credit score.
Consumer complaint received 2022-01-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

As by Law, under 15 U.S Code 1601- Congressional findings and declaration of purpose. The information use of of credit result from an awareness of the cost thereof by consumers. it is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit. and to protect the consumer against inaccurate and unfair credit billing and credit card practices. I noticed some items on my credit profile as I do not recognize and inquiries that I am not familiar. I already contacted TransUnion, XXXX, and XXXX about this error and still haven't received anything from them. I am asking seeking help that this account be Deleted and Blocked from being reported on my credit report.
Consumer complaint received 2023-05-12
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. (NY)

In accordance with the Fair Credit Reporting act XXXX Account 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2023-01-22
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. (FL)

XXXXXXXX XXXX XXXXXXXX. 
XXXX XXXX XXXXXXXX XXXX XXXXXXXX, NEW YORK XXXX DATE Open XX/XX/XXXX Charge Off XX/XX/XXXX Credit limit {$2200.00} Highest balance {$2200.00} XXXX XXXX  XXXX has committed Securities Fraud and identity thief against Me. 
XXXX XXXX  XXXX has taken Security against me without my consent and used my name without my consent. All credit card are repaid.
Consumer complaint received 2023-01-22
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: U.S. BANCORP (IL)

Back in XXXX when all the foreclosure started I was one of the cuatomers that obtained no help everyone would turn their back on us, We needed help and guidance on how to reciver and continue with our home. Yet no one neither did the bank or any organization attempted to help we were ones of the very beginning and they didnt have any protocol to follow in situations like the one we encounter and in XXXX we were asked to move out. Leaving us no other help or benefit but to live here and there with friends and family we were a family of 6 my kids were so young this was so tramatizing to let go of all the hard work we put simply cause our bank laughed at us over phone when we seeked for help.. hoping to get some money back we havent been able to buy a home..
Consumer complaint received 2023-01-22
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. (TX)

I did not give written permission to furnish experiences and transactions with this consumer. 

XXXX XXXX XXXX XXXX  late payment transactions These are the laws that are being violated : FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer Fair Debt Collections Practices Act 15 USC 1692g violations Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]
Consumer complaint received 2022-01-03
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)

My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs I have Been dealing with unauthorized use of my personal information. Which results in unauthorized items on my credit report
Consumer complaint received 2022-01-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

i XXXX XXXX checked my credit report and i noticed some fraudulent and inaccurant accounts on my credit report. i then proceeded to reach out to the credit reporting agencies to look for remedy to the situation but couldn't get anyone to help me correct these fraudulent and inaccurate accounts
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. 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 2022-01-03
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: CITIBANK, N.A. (NY)

This complain is about a dispute on my Citibank Universal card account, last 4 digits ending in XXXX, that was opened last year on XX/XX/XXXX but remains unresolved as of today for a whole year. The case has dispute ID XXXX for an amount of {$5600.00} on a XXXXXXXX e-ticket XXXX Federal regulations requires disputes be resolved in 60 days and no more than 90 days. 

The e-ticket is refundable. It was cancel and XXXX confirmed the refund of the full fare on XX/XX/XXXX. However, only an amount of {$150.00} show up on my account, resulting in an amount of {$5400.00} in dispute. Citibank takes more than 3 months to came back with an investigation result on XX/XX/XXXX. It concluded that XXXX had issued a credit, but did not address the question of why there is only a partial refund of {$150.00} on my account, but not the full amount. The investigation was incomplete, but still they close the case and re-billed my account. 

After further information was supplied to Citibank, the case was reopened. Several communications were made, the last one from Citibank being on XXXX/XXXX/XXXX, in which Citibank told me to be patient. I contact Citi on XX/XX/XXXX again, but have no response from them so far. 

From the date XX/XX/XXXX when the dispute was opened to XX/XX/XXXX to when Citi complete its first investigation, was 106 days, more than the 90 days allowed by Federal regulations. Even then, the dispute remain unresolved and open, and by now it is more than XXXX year. 

In addition, on XX/XX/XXXX Citibank closed my Universal credit card, the reason being returned payments in the last 6 months. This is not true. The account is always current and have exceptional payment history on my XXXX credit bureau report. Also there is no return check and return check fee on my account for the last 6 months. 

According to federal regulations, restricting or closing by creditor of account regarded by obligator to contain a billing error is not allow. Such action is being regarded as an action to collect the amount in dispute. 

Effect of noncompliance with Federal requirements by Citibank forfeits any right to collect from me the amount in dispute and finance charges thereon. I request the refund of the dispute amount and interest into my account, and also the reopening of my account ending in XXXX. 

XXXX XXXX
Consumer complaint received 2021-12-13
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)

You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.
Consumer complaint received 2021-07-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION (TN)

Used mobile deposit on Saturday XX/XX/XXXX. I was notified Monday that my deposit would be delayed. They said it would be available after 5 business days from the deposit date. They said the deposit date was Monday the XXXX. They said the check flagged in their system. The amount the check was for was 50 % of what was owed so I collected the remaining balance and cash it at the bank where the check was from with no problem. This wait is causing severe problems for my family. 5 business days would be next Monday making it a total of 9 days after my mobile deposit. Navy federal has been borderline rude in helping me resolve this issue.
Consumer complaint received 2023-01-22
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY (FL)

Well Fargo closed my old account yeasrs ago around XXXX. And never have me the funds I had over XXXX $ in the account and little by little it XXXX  beyond my knowledge and then they closed the account. I never used it. Then i opened another XXXX online and same exact thing happened for not being used.