davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-21
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (CA)

Dear Sir/Madam, I am writing to express my deep concern and disappointment regarding the recent letter of closure of my business credit card, associated with my business " Fresh Zone Catering ". As a longstanding and loyal customer of Chase Bank, I was surprised and troubled by this decision, particularly as there was no apparent reason provided for the closure. 

Since establishing my business in 2020, I have maintained a flawless record of financial responsibility, both personally and professionally. My business, XXXX XXXX XXXX, has thrived under the support and partnership of Chase Bank, and the sudden closure of my credit card has left me feeling unsettled and anxious about the impact on my business 's credit profile. 

I want to emphasize that I have always conducted my business affairs with the utmost integrity and compliance with all applicable regulations. There have been no issues or irregularities with my account that would warrant such drastic action. Therefore, I respectfully request that Chase Bank refrains from closing my business credit card and provides me with a detailed explanation for the closure decision. 

The closure of my business credit card not only affects my ability to manage expenses efficiently but also has the potential to negatively impact my business 's creditworthiness and financial stability. As a valued customer, I believe I deserve transparency and fair treatment from Chase Bank, and I trust that you will take my concerns seriously and address them promptly. 

I kindly request that my business credit card be reinstated at the earliest convenience to mitigate any further disruption to my business operations. Additionally, I would appreciate any assistance or guidance Chase Bank can offer to ensure the continued success and prosperity of my business. 

Thank you for your attention to this matter. I look forward to your prompt response and resolution of this issue. 

Sincerely, XXXX XXXX XXXX, XXXX XXXX XXXX
Consumer complaint received 2020-09-30
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

Hi and how are you doing? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. 
Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.
Consumer complaint received 2023-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (NC)

A XXXX XXXX account is showing updated on my credit profile constantly updating the information from 180 days late to 120 days late and I do not own this account I would like it removed immediately from my credit report
Consumer complaint received 2022-10-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

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 XXXXXXXX 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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information or 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 2023-09-02
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIZENS FINANCIAL GROUP, INC. (MD)

Please refer to the attached document as supporting evidence of my claim. 
I opened a Checking account with Citizens bank back in XX/XX/ with a {$300.00} promition code. I followed all instructions and I received more than {$500.00} deposits in the first 60 days to qualify for the bonus but now the bank is not providing me the bonus and it says Each deposit needs to be {$500.00}. But as you can see in the evidence attached to this complaint that the banks promotion webpage does not say that clearly at all. The promotion says the account holder must receive " {$500.00} in the first 60 days '' and that is what I did. If the promotion page displayed this details I would have made {$500.00} deposit instead of 2 deposits of {$250.00} totaling {$500.00} every month. The bank should not mis-inform the customers just to make them create new accounts. When I tried to show the promotion details to customer support agent of the bank on call the agent surprisingly said that some third party is promoting this offer and not the Bank itself when the promotion is clearly shown on the Citizens bank website only ( please refer to attached evidence ). I should be given my account opening bonus of {$300.00} and for future customers Citizens bank must fix the details in their promotion on their website so that no other customer should be cheated like me by the bank.
Consumer complaint received 2023-03-06
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. (CA)

I sent a letter on XX/XX/2023, to remove the accounts that are UNKNOWN to me. The items have an erroneous status and it is detrimental if it remains in my file. 

Here is the list of accounts that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$120.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : $ {$3900.00} XXXX XXXX XXXX Balance : {$360.00} XXXX XXXX XXXX XXXX XXXX Balance : {$4200.00} XXXX XXXX XXXX XXXX XXXX Balance : {$100.00} XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-28
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: EQUIFAX, INC. (TX)

on XX/XX/2022 I sent a letter regarding my inaccurate and unknown things on my credit report. This is a violation under the Fair Credit Reporting Act Section 621 ( a ) ( 2 ) ( duty to correct and update information ) I demand these accounts to be deleted immediately or i will seek litigation. remove all Fraudulent accounts as I have no knowledge of any of these accounts due to the Equifax data breach/identity theft and may have got into the hands of the wrong person.
Consumer complaint received 2023-03-06
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX 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 2020-12-31
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. (OH)

I am writing this due to non-compliance with the ( XXXX, Experian, XXXX ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.
Consumer complaint received 2023-03-06
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. (GA)

It has been brought to my attention that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXXXXXX 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 2020-09-30
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: CITIBANK, N.A. (MA)

Hi and how are you doing? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. 
Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of  FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.
Consumer complaint received 2023-02-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Misuse of my credit report. 
XXXX5 U.S.C 1681 602 A : States I have the right to privacy.

15 U.S.C 1681 604 A Section 2 : It also states a consumer agency can not furnish a account without my written instructions 15 U.S.C 1692C : Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt
Consumer complaint received 2023-03-06
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. (SC)

The unverified items indicated below reporting on my credit report 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. I'm looking forward that the disputed items will be corrected immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-12-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: LEXISNEXIS (FL)

Received from LexisNexis Services Inc. a credit report on XXXX the report was also sent to my home owners company, XXXX XXXX. In the report from LexisNexis was a Reason Code XXXX that my home owners company, XXXX, said was a Negative Indication of Risk. 

I called LexisNexis Service on XXXX and XXXX concerning the Reason Code XXXX. The people I talked to, talked around the Reason Code XXXX and I was not satisfied with their lack of an explanation. 

Per LexisNexis Services, the Reason Code XXXX is based on this : 1986 year I opened my credit union credit card account. 
81 years, 977 months that my credit union credit card account needed to be open to NOT give me a negative indication of risk. XXXX year when credit union cre dit card account would be open for the 977 months. 
XXXX year I will be XXXX YEARS OLD. 

This XXXX months is unacceptable and makes no common sense. 

My credit union credit card has no history of a late payment or abuse.
Consumer complaint received 2023-03-06
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. (CA)

When I run my credit it appears that I have late payments. However, I do not have any late payments per my mortgage loan officer. She looked through my credit history and she said there is nothing late on my report. This is severely affecting my FICO in order to purchase a home. 

Please advise what I need to do to have this cleared up. 

Thank you, XXXX XXXX XXXX
Consumer complaint received 2020-12-31
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (CA)

XX/XX/2020 I canceled a transaction of {$180.00} but I never receive it back the references is XXXX The receiver was XXXX XXXX XXXX XXXX My name is XXXX XXXX XXXX XXXX My email is XXXX My phone number is ( XXXX ) XXXX XXXX regard
Consumer complaint received 2023-02-08
Product: Credit card or prepaid card — Gift card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: U.S. BANCORP (CA)

On XX/XX/2022, I gifted my fianc a {$500.00} Visa gift card as a token of my love and appreciation. However, much to our surprise, the card was fraudulently used and its balance had depleted to around {$50.00} a few months later.

Determined to resolve the issue, I reached out to the customer service department by calling the number on the back of the gift card. After speaking with a representative, I was advised to send a fax of the receipt proving my purchase and a copy of my government-issued ID. Despite multiple attempts, the fax was never received by the customer service department.

Today, I had the displeasure of speaking with a representative named XXXX, who informed me that the only way to send the documents was via fax. When I asked for an alternative method, XXXX was unable to provide one and hung up on me after I requested to speak with a supervisor.

Frustrated with the situation, I am now filing a complaint with the CFPB against US BANK, the issuer of the Cardholder Agreement, and have attached proof of purchase, the gift card, and my government-issued ID. I hope to receive a prompt and satisfactory resolution to this matter
Consumer complaint received 2020-09-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: TD BANK US HOLDING COMPANY (NJ)

ive been fighting with TD Bank so longest time. The last conversation I had with XXXX XXXX I paid my bill through her. She told me that my next payment will be due in XXXX. At my car be ready to use again. Then I go use my credit card and it wont work. I called her and she told me theres nothing I can do to call the number. I keep getting the runaround by TD Bank and Im sick of it. She shouldve said something with something like this would happen. I want my car back and I want to be used now. Again td being thinks he can do whatever they think they could do. They need to be held responsible
Consumer complaint received 2023-03-06
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. (NC)

I want this information to be corrected or removed per my disputed items requests and also want a new credit report so that I can see the changes they have made.
Consumer complaint received 2023-02-27
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: Marlette Funding, LLC (GA)

On several occasions I was told my Best Egg account would be updated to show Paid as agreed, closed. It has been well over 30 days that my score has suffered to the tune of minus XXXX points. 

I have recieved letters from Best Egg that this would be fixed. Now I am loosing money daily until this is fixed. They are in voilation of my rights 15 USC 1681 sec 602A and 11. 

I am requesting this loan be updated with the correct information that it was paid as agreed in FULL, and closed Best Egg acct # XXXX was paid off in XX/XX/XXXX, but entered into best egg system on XX/XX/XXXX. Best egg sent a letter stating it was paid off. However, on XX/XX/XXXX, XXXX reported this same account was still owed and now 90 days past due. My credit score suffered over 65 points due to this error. Best egg then sent 2 letters explaining their apologies and that this will be updated correctly. I has not been updated. This account needs to show PAID, closed, never late. I researched my consumer protection laws. Best egg and XXXX XXXX should know 15 USC 1681 sec 602 a and section 2. also refer to other pretection laws that goes with this claim. please help me write a statement to the creditor and XXXX. My goal is that this information is updated to show paid as agreed, closed..
Consumer complaint received 2022-10-28
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. (CA)

This is my 2nd endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 

XXXX XXXX XXXX .... Balance {$6500.00} ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX ; XXXX XXXX XXXXate of request XX/XX/2020 ; XXXX XXXX XXXX Date of request XX/XX/2020 ; XXXX XXXX XXXX Date of request XX/XX/2020 ; XXXX XXXX XXXX XXXX XXXX Date of request XX/XX/2020 ;
Consumer complaint received 2021-01-01
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. (FL)

Experian falsely claims that my complaint " did not appear be be submitted by me '' and then falsely marks my complaint as duplicate. Please investigate and delete the following false accounts : 1. XXXX XXXX account XXXX