davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Possible Financial Inc (OH)

This creditor provides loans via a downloadable app found in the XXXX and XXXX XXXX XXXX - The Company 's name is Possible Finance. There is a technical issue with the creditor 's application. 

After receiving a {$200.00} loan and agreeing to scheduled repayments, two payments were processed however I incidentally switched primary banks and even after updating the banking information in the application, lasting technical issues in the app caused the payment details to not be updated, which in the end caused this mix-up. ( See attached screenshot 1 - Possible App - Scheduled Payment ). The screenshot shows the two successful payments followed by the two unsuccessful payments that resulted in the outstanding balance of {$120.00}. 

The issue is, even after many attempts to provide new banking information within the application, their system does not process the request and for some reason does not update with the information that I provided. What specifically happens is, the app allows you to go from screenshot 2, to screenshot 3, and finally after entering the information requested in screenshot 4, their system reverts back to screenshot 3, and nothing happens to update the banking information. 

Additionally, this creditor does not provide live-contact information to reach someone directly from their company. Communication access is granted via a contact submission form, and I have completed multiple inquiries and requested to have this information updated as soon as possible to resolve this matter. I am currently still waiting for a response from their company to get this information updated. I have attempted multiple times to pay the amount owed, however, due to the technical difficulties of the app and their application this has been impossible. 

Also please be advised that the following customer support phone number for this creditor, which can be found through a simple XXXX search - XXXX - provides a single message without prompts that include support options and advises that no support is available through the telephone number and that communication is done solely through the company 's app. After the message plays, the line disconnects. 

I have exhausted every option to reach this creditor. I am filing this complaint with you, the Consumer Protection Financial Bureau hoping to garner your support in resolving this matter.
Consumer complaint received 2023-07-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Comerica (FL)

I checked my balance online and it was about {$50.00} less than I expected. When I finally got through to an agent ( more on that aspect later ), I was notified of a {$49.00} fraudulent charge to my account. The reason I immediately knew the charge was fraudulent is I have never used the card to pay a bill online. Before I could write down the entity from where the charge originated, the agent suggested that my card could be compromised and I should order a new one, which I did. She then said she was transferring my call to the dept. whereas I could dispute the charge. After being on hold for about XXXX min, the exact same woman came back on the line ( I recognized her voice ) pretending that she couldn't hear me and hung up the phone. Now this is what led me to believe the card company itself if involved in systematic fraud : once you order a new card, you can no longer access the network using the number from the old card. You can access your account using your SS number but you only get access to a menu that doesn't include any option that allows you to speak to anyone. So once the crooked agent hung the phone, she cut off all means for me to re-connect with her. Furthermore, I suspect these XXXX are systematically stealing benefits from old XXXX by erecting roadblocks to complaining about suspicious deductions. For example : when you call customer service, you're prompted to enter the last XXXX numbers of your card and your pin but once you do that, all you get is your balance. The only way to access the menu is to NOT follow the prompts ... but they never tell you that. Why? Something doesn't smell right and I think XXXX should look into XXXX
Consumer complaint received 2024-06-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Stellantis Financial Services US Corp. (GA)

Complaint Details : I am writing to file a formal complaint against Stellantis Financial Services , Inc. dba First Investors Financial Services regarding the unauthorized handling and reporting of my transaction history on my credit reports. According to the Fair Credit Reporting Act ( FCRA ) and other relevant federal regulations, such reporting is illegal without my explicit consent.

Supporting References : Right to Privacy and Accuracy : 15 U.S. Code 1681 - Congressional findings and statement of purpose : o ( a ) Accuracy and fairness of credit reporting : Congress emphasizes the need for consumer reporting agencies to handle their responsibilities with fairness, impartiality, and a respect for consumer privacy.

o ( b ) Reasonable procedures : Consumer reporting agencies must adopt reasonable procedures to ensure the confidentiality, accuracy, relevancy, and proper utilization of consumer information.

Sharing Information and Consent : 15 U.S. Code 1681b - Permissible purposes of consumer reports : o Consumer reporting agencies may furnish a consumer report only with the written instructions of the consumer to whom it relates.

o They need my written consent to add anything to my consumer report. Without this authorization, it is a violation of the FCRA.

Obligation to Inform : 15 U.S. Code 6802 ( b ) ( c ) : Financial institutions must inform consumers about their right to opt out of information sharing.

15 U.S. Code 1681c ( a ) ( 5 ) : Consumer reporting agencies can not report negative information that is over seven years old, except for criminal convictions.

Opting Out : 12 CFR 1016.7 : Consumers have the right to opt out of having their information shared at any time.

Accuracy and Procedures : 15 U.S. Code 1681s-2 ( a ) ( 1 ) : No one should report inaccurate information about consumers to credit reporting agencies.

15 U.S. Code 1681e : Credit reporting agencies must maintain procedures to ensure compliance with the law and limit the furnishing of consumer reports to the permissible purposes.

Given these provisions, Stellantis Financial Services , Inc. and the consumer reporting agencies XXXX, XXXX, and XXXX do not have my consent to furnish or report any adverse transaction history. Their actions in reporting this information without my permission are against the law.
Consumer complaint received 2024-03-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CREDIT ACCEPTANCE CORPORATION (LA)

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating XXXX using a XXXX party. I have attached my ID and letters to this complaint for your review.
Consumer complaint received 2024-03-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

At XXXX today I attempted to use a Bank of America ATM to withdraw funds from my Bank of America checking account. The withdrawal is appearing on my balance but I received no money and the ATM did not return my card, asking me to contact customer service. I tried that and was hung up on, and the bank refused to return my card. So now Im missing my card and my money, with a week without access to my funds expected. I provided ample opportunity for them to communicate with me and offered a viable solution to the issue.
Consumer complaint received 2022-12-07
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: FactorTrust, Inc. (NV)

XXXX. REMOVE ALL INQUIRIES THAT ARE NOT ATTACHED TO MY ACCOUNTS XXXX. THE ONLY BUREAU THAT I CAN ACTUALLY LOG INTO IS XXXX and XXXX  because I have to pay BUT THEY STILL HAVE NOT REMOVED THE OLD ADDRESS, INQUIRIES AND LATE PAYMENTS. 

XXXX. UPDATE AND SUPPRESS NEGATIVE INFORMATION XXXX. UNLOCK AND UNFREEZE ALL MY ACCOUNTS AND SEND ME THE CORRECT LOGIN OR RESET TO MY EMAIL WHICH IS REGISTERED TO YOUR SITE. XXXX AND XXXX WILL NOT LET ME LOG IN EVEN WITH THE RESET. I AM REGISTERED FOR ALL, THIS IS UNBELIEVABLE. 

please update and suppress negative information, and inquiries that are not attached to any accounts XXXX. REMOVE THE FRAUD STATEMENT FROM ALL MY BUREAU REPORTS. IF I AM ABLE TO LOGIN THEN I WILL LOCK THEM MYSELF YOU ARE IN VIOLATION OF 15 usc 1681a ( 2 ) ( a ) ( i ) 15 usc 1666b 15 usc 1681 i a 1 15 usc 1681 i 5 15 usc 1681 B 15 usc 1681 i ( 7 ) Read A and 2 Accounts not reporting across all bureaus. incomplete account number, inconsistent. Please remove for innacuracy, no knowledge of this account, no contract with this company My name is XXXX XXXX XXXX My addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA  XXXX My phone numbers XXXX XXXX XXXX I have not opened any new accounts, clear all the inquiries that have no account attached please update and suppress negative information, and inquiries that are not attached to any accounts
Consumer complaint received 2022-10-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

There are multiple errors in the listing that are damaging my credit. I requested an investigation and the removal of the charge-off and collection accounts. No changes were made. Below are the inaccurate items from my credit report : CXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-12-29
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: Experian Information Solutions Inc. (NY)

Social security number is XXXX on XX/XX/2023 experian did removed the fraud account ending in XXXX I have a federal trade commission identity theft report on file but it ended up appearing on my experian credit report as XXXX duplicate accounts ending in XXXX please have experian remove the fraud accounts their showing XXXX.
Consumer complaint received 2019-12-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (PA)

This compliant relates to Chase not making payment on time for escrow funds. 

On XX/XX/XXXX, I faxed 2 supplemental tax bills to Chase Mortgage on my newly built home and mortgage. Chase purchased my mortgage from another lender shortly after settlement. This is my first experience with Chase. 

Earlier I received a partial refund of my Escrow account ( in XX/XX/XXXX ) from Chase, presumably a result of settlement dollars being fully processed after settlement and closing. 

On XX/XX/XXXX, I called Chase to inquire why the tax bills had not paid on time. I was informed that the taxes are still being processed. I was also informed that they have a 7 day processing policy for these requests, but a ticket was only opened on XX/XX/XXXX, 22 days after I faxed in the tax bills. As of XX/XX/XXXX, the bills have not been paid and I have now received a delinquency notice from the taxing authority. 

On XX/XX/XXXX, I was also told by a Chase service agent that the payments for the Taxes are still 'in process '. I asked to file a complaint and was transferred to a supervisor to do so. I was asked by the customer service agent and the supervisor if I cashed the XXXX escrow refund check to which I answered yes. I asked if I shouldn't have cashed the refund check in XX/XX/XXXX, and the supervisor replied that yes I should have cashed it. I am aware that the new tax bills would represent a future shortage during the next escrow analysis. 

My complaint is simply that Chase is not processing escrow payments on a timely basis and I now have to pay penalties from the local taxing authorities. As a new Chase customer, I did everything I was supposed to do and was only provided excuses from Chase, saying that they only received my request on XX/XX/XXXX, when in fact, I have proof ( fax confirmation ) that Chase actually received it on XX/XX/XXXX. 

The Chase supervisor agreed to escalate and monitor payment, and call me back when paid. 

Someone should be regulating Chase 's Escrow department for timeliness of receipt and payment of customer escrow requests.
Consumer complaint received 2022-10-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

It appears that my credit file has been compromised. Again, I was going through my records & noticed still many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The disputed items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX ; XXXX, XXXX, MI ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2022 ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX GA XXXX XX/XX/2022 ; XXXX SELF-REPORTED XXXX Balance : {$13.00} ; XXXX SELF-REPORTED XXXX Balance : {$200.00} ; XXXX SELF-REPORTED XXXX Balance : {$8.00} ; XXXX XXXX Balance : {$13000.00} ; XXXX  XXXX Balance : {$160.00} ; XXXX XX/XX/2022 ; XXXX  XX/XX/2022
Consumer complaint received 2019-12-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CITIBANK, N.A. (SC)

I have been a Citibank customer for many years with a great credit and payment history. In XX/XX/2019 I logged in to my account, on the due date, and wanted to split my payment into two payments and was unable to do so. There isn't an e-mail address, which I prefer to communicate. Near the end of XXXX, before the closing date of my next month's statement, I called and spoke with someone in their "hardship" program. I explained that I wanted to change my due date because of how my payroll fell and that I would like to do bi-monthly payments. I was told that now that my account was past due they couldn't change my due date/billing cycle. The company offered me a six month program of $XXXX for six months. I again stated that I could NOT pay this amount on the XXXX of the month because of my pay cycle. However, I would pay this amount when I was paid. I set up an automatic payment for $XXXX  on my payroll date and that was taken from my account. And now because I didn't pay on the XXXX of the month that agreement is null and void. I have reached out twice more via CHAT and was told the same thing, my due date cannot be changed because I am past due. I have asked for a set monthly payment, lower rate, change my due date to no avail. I am not unemployed, but have experienced a job change with a lower annual salary and have assisted my daughter and granddaughter with living expenses this past year. Which I have shared multiple times with Citibank. I am not unemployed, I just need to be able to at least change my due date so that I can pay bi-monthly to meet the amount due each month. All the while the interest rate and late payment, not to mention my credit has taken a hit.
Consumer complaint received 2023-07-19
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: Comerica (TX)

I was previously a XXXX member. I closed my account with them after they changed the amount you had to spend in order to receive free shipping of your items. But they have continued to charge me for membership. I have called and talked to managers 3 times only for them to tell me that i was not being charged as a member. They advised i call my bank. A time period did lapse in the beginning after my calling because the bank had changed the website and i was unable to sign in to my account which i called the bank and told them about this problem several times. Always being told they would have someone call me which never happened. I was charged {$14.00} on XXXX, XXXX, XXXX, XXXX, and XX/XX/25. During those time periods i bought nothing from XXXX. I promptly told them when i saw that i was still being charged this amount once i was finally able to see my bank statements and they will probably continue to charge me because the bank says they did nothing wrong.
Consumer complaint received 2023-07-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: WELLS FARGO & COMPANY (IL)

There were XXXX separate credit cards opened in my name. 

The first company was Wells Fargo. I received the card in the mail on XX/XX/2023 and realized I did not open that account. I immediately tried to dispute with XXXX. 

Another card opened with XXXX XXXX XXXX XXXX I also reported this as a fraudulent account with XXXX. 

I was told they would be taking care of the accounts but also to report it. 

Both accounts are fraudulent.
Consumer complaint received 2023-07-19
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: CAPITAL ONE FINANCIAL CORPORATION (OH)

I was looking over my credit report and i seen that there were 4 hard inquiries that are unauthorized account that i am unaware about. 

XXXX XXXX XXXX XXXX XXXX Capital One Bank USA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX1 Capital One Bank USA XXXX XXXX XXXX XXXX
Consumer complaint received 2019-12-09
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)

I recently reviewed my credit report and I discovered some inaccurate accounts reporting on my credit file. Those derogatory accounts do not belong to me and I have no knowledge of these accounts. I have no idea who would have access to my credit report and because of this, I have no chance of acquiring new credit. Please conduct re-investigation into this matter and have those derogatory accounts removed off my credit file
Consumer complaint received 2019-12-09
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: EQUIFAX, INC. (FL)

I recently reviewed my credit report and I discovered some inaccurate accounts reporting on my credit file. Those derogatory accounts do not belong to me and I have no knowledge of these accounts. I have no idea who would have access to my credit report and because of this, I have no chance of acquiring new credit. Please conduct re-investigation into this matter and have those derogatory accounts removed off my credit file
Consumer complaint received 2023-07-19
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: Resurgent Capital Services L.P. (PA)

Resurgent Capital Services and XXXX XXXX XXXX is reporting to all 3 major credit bureaus on a previous account that has already been written off and claimed as income by XXXX XXXX. They have also violated The Privacy Act of 1974 and The Fair Credit Reporting Act ( FCRA ) of 1970 and this is now affecting my credit. They have violated 15 U.S. Code 1681 ( Permissible purposes ) .I have not given any consent to them to report to the bureaus which is negatively affecting my credit report. I will be filing a Ftc complaint if this is not removed i have not consented to them sharing my information.
Consumer complaint received 2023-12-29
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (AZ)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : XXXX XXXX XXXX XXXX, Experian, and XXXX Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against XXXX, Experian, and XXXX regarding inaccuracies present in my credit reports. I have identified the following issues with each bureau : I am bringing to your attention that the inaccuracies reported by these credit bureaus violate the Fair Credit Reporting Act ( 15 USC 1681 et seq. ), specifically Section 1681i, which mandates a reinvestigation of disputed information, and Section 1681s-2, which outlines the duties of furnishers of information.

Additionally, the Privacy Act of 1974 ( 5 USC 552a ) requires accurate reporting and maintenance of records by agencies, including credit reporting agencies. I believe the inaccuracies on my credit reports constitute a violation of these statutory provisions. 

I kindly request that the Consumer Financial Protection Bureau investigate these discrepancies and take appropriate action to rectify the inaccuracies on my credit reports. Your prompt attention to this matter is greatly appreciated. 

Thank you for your assistance in resolving these issues. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2019-12-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On XX/XX/XXXX. I made a request for Credit from XXXX XXXX. I was denied and then received a notice that I could view my denial letter online. So following the instructions to view this the Words were the following " Based on a report from 3 Local Agencies it shows I am deceased. I assure you I am not deceased. I have attached the denial Letter stating I was deceased as well as I am XXXX XXXXXXXX since XX/XX/XXXX.