davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-22
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

My name is XXXX XXXX, i applied for unemployment benefit since 2020 but i'm yet to receive my card from bank of america please kindly assist me in order to recieve my card at this point in time now i need urgent money for a XXXX XXXX.
Consumer complaint received 2023-07-29
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. (NC)

I pulled my credit report and found many errors with 1 collection and many hard inquiries that I dispute on XX/XX/28. I got an email back from equifax stating it was correct without them doing an investigation they literally did not take the time to look into it they clicked denied info correct without proof of my signature or anything.
Consumer complaint received 2024-04-11
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: World Omni Financial Corp. (TN)

Paid {$1000.00} in XX/XX/year>, paid {$570.00} with credit card in XX/XX/year> paid {$140.00} on XX/XX/year>, and paid {$570.00} on XX/XX/year> and a 30 day late was put on my credit report for {$140.00}. Supervisor from XXXX  said as a courtesy they will not charge me a late fee or penalize me.
Consumer complaint received 2023-07-29
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. (NY)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some inquiries. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2023-02-02
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)

I asked to have an account with XXXX verified ( {$4600.00} ) as I could not contact the creditor to verify the loan amount reported. I found out recently this company/creditor does not exist and the account is still not verified or updated with accurate information by the credit bureau . Other credit bureaus have removed this information due to inability to verify accurate information.
Consumer complaint received 2023-02-02
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. (MD)

If, after any reinvestigation after paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation.

I sent out validation letters to the 3 credit bureaus ( Experian, XXXX, XXXX ) to verify the following accounts below. The credit bureaus sent letters verifying all information on the reports. Here are those accounts that were in dispute : Account : XXXX XXXX XXXX XXXX Account was disputed by consumer ( me ) because of inaccurate information. After the reporting agencies reported the account as verified, I still found information that is still inaccurate as follows : ( can also be found in screenshots attached ) - 'Date of Last Activity ' is inaccurate Experian reports : XX/XX/XXXX XXXX reports : XX/XX/XXXX - 'Date Reported " is inaccurate Experian reports XXXX XX/XX/XXXX XXXX reports XXXX XX/XX/XXXX The account has already been deleted by XXXX due to these inaccuracies but XXXX & Experian have yet to delete them and I'm requesting assistance with the deletion of this account through CFPB. 


Account XXXX XXXX XXXX XXXX XXXXXXXX Account was disputed by consumer ( me ) because of inaccurate information. After the reporting agencies reported the account as verified, I still found information that is still inaccurate as follows : ( can also be found in screenshots attached ) - 'Date Reported ' is inaccurate on all 3 bureaus Experian reports : XX/XX/XXXX XXXX reports : XX/XX/XXXX XXXX reports : XX/XX/XXXX Requesting deletion of this account due to inaccuracy even after reporting agencies reported information as verified. 


Account : XXXX XXXX XXXX Account was disputed by consumer ( me ) because of inaccurate information. After the reporting agencies reported the account as verified, I still found information that is still inaccurate as follows : ( can also be found in screenshots attached ) - 'Date of Last Activity ' is inaccurate on all 3 Bureaus Experian reports : XX/XX/XXXX XXXX reports : XX/XX/XXXX XXXX reports : XX/XX/XXXX - 'High Balance ' is inaccurate on all 3 Bureaus Experian reports : {$0.00} XXXX reports XXXX {$520.00} XXXX reports XXXX {$1300.00} Attached files to show inaccuracies are from XXXX
Consumer complaint received 2023-02-02
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. (MI)

My credit report contains a significant number of unauthorized accounts, as well as erroneous reporting of Information on my Credit report. Someone has stolen my identity! As a result, I filed a formal report to the FTC with XXXX XXXX # XXXX. In accordance with the provisions of FCRA Section 605B ( 15 U.S.C. 1681c-2 ), I have included that report in this complaint. Please remove these items from my credit record as soon as possible to comply with the law ( i.e., 4 days ). Please let me know if you require anything else. Please remove the following items as soon as possible : XXXX XXXX XXXX XXXX XXXX : - XXXX  XXXX, XXXX. XXXX Balance : - XXXX XXXX  XXXX XXXX Balance : - XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Reference # : XXXX. I have read that as the Credit Reporting Agencies, you are required by law to remove any accounts and information that resulted due to identity theft, so please do so.
Consumer complaint received 2023-02-16
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. (NE)

I value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still many accounts to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these accounts. 

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 2023-01-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

On Thursday, XXXX XXXX around XXXX I made a cash deposit of {$4000.00}. The machine spit back some of my cash which I retrieved however the remaining balance of {$3000.00} was spit out but once I went to grab it snatched the money back into the machine without applying to my account. I need my funds back immediately! There was another gentleman who approached me and said he just had issues with the same ATM machine and called the bank. He handed me the slip with the phone number to call. Since there were so many people lining up behind me I left and called the bank to advise of the issue and was told the claim was filed. Now it is days later and I do not have credit nor access to my {$3000.00}. I am livid! I have banked with BOA for years! Help me retrieve my funds. I do not have money to give away freely. How difficult is it to determine as my card was still in the machine when it sucked up my money. I called Friday to ask a branch manager for help. Still nothing and no money.
Consumer complaint received 2024-04-15
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: U.S. BANCORP (FL)

Hello my name is XXXX XXXX XXXX  ama usbank customer since XXXX My account was past due one time due to an hurricane we had to evacuate and everything was lost and I had a hard time logging back into my account. Now that my account is paid off and closed I want to know can I have a courtesy and removing the late payment from XXXX. I have a XXXX XXXX Im trying to get approve for XXXX XXXX and this late payment is hindering the process I am begging this is a life and death situation please help me. Thank you so much
Consumer complaint received 2024-04-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (TN)

I have sent in the proper requested documentation to Equifax that they wanted. I have yet to hear back from them at all. I sent in this information to them certified mail and the date they received it was XX/XX/XXXX. This is severely damaging my ability to use my credit report to obtain the things I need to. 

I have called Equifax several times. When I log into my ( myequifax.com ) account, it shows an error " XXXX '' and asks me to call customer service. Well I have done this so many times with zero resolution. When I log into my account, it shows zero information. Zero accounts at all. I have over 40 creditors that report to my credit files for years now, and Equifax is refusing to fix this error and it's been 90 days now. The errors has apparrently been going on since XXXX of 2023. This is violating my consumer rights to view my credit reporting information and my XXXX score. No one else can view my Equifax info either. It is keeping me from getting loans. This has severely violated my consumer rights.
Consumer complaint received 2024-04-15
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (NY)

Dear Consumer Financial Protection Bureau ( CFPB ), I am writing to file a formal complaint against Chase Bank regarding their handling of my deposit and savings accounts. Despite being a loyal customer for several years, I have recently encountered an issue that has left me deeply dissatisfied with their service. 

On XX/XX/XXXX, I was informed by the bank representative that my deposit could not be processed due to reasons that were not clearly explained to me. Despite my repeated inquiries, I was provided with vague responses and no concrete explanation for the refusal to accept my deposit. 

Furthermore, I could provide proof for all my transactions. But, the bank has made its decision without providing me the oppotunity to defend myself. This has caused me significant inconvenience and frustration, as I rely on my savings account for managing my finances and planning for the future. 

I believe that Chase Bank 's handling of my deposit and savings accounts is unacceptable and violates the principles of fair and transparent banking practices. As a consumer, I expect to receive clear and timely communication regarding any issues with my accounts, as well as prompt resolution of any problems that may arise. 

I respectfully request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to address the issues raised in this complaint. Additionally, I urge Chase Bank to review their policies and procedures related to deposit and savings accounts to ensure that they are in compliance with regulatory requirements and prioritize customer satisfaction. 

Thank you for your attention to this matter. I look forward to a swift resolution and a satisfactory outcome. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-01-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Please remove these inaccurate accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days.

See the documents attached.
Consumer complaint received 2024-03-22
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Can't close your account
Company: SYNCHRONY FINANCIAL (LA)

I have a XXXX XXXX  with Synchrony Bank and matured on this XX/XX/2024, The total amount on the CD is {$110000.00}. On the maturate day, I called the bank and asked to 1 ) close my account and 2 ) allow the fund to be transferred to another bank ( XXXX Bank ). On the following day, this sum of money showed up on my new account at XXXX bank. I thought that the money transferal was successful. 

However, after about XXXX weeks I received XXXX bank statements on the same day. XXXX is from the XXXX bank, the statement shows that my new account was funded on XX/XX/2024, and the APY is 5.8 %, while this fund was withdrawn on XX/XX/2024. The second one is from the Synchrony bank shows that my CD has renewed for another XXXX CD with an APY 4.00 %. 

I called the Synchrony bank and asked 1 ) why they didn't close my account, 2 ) why they withdrew the fund from the XXXX bank without my authority or permission, and XXXX ) to release my money immediately because I don't need their XXXX XXXX. Finally, I reached a supervisor or manager and she agreed to have an internal call review. After the call review time, I called them and I was told that they were not wrong and refused to release my money or ask me to pay a penalty ( ~ {$5500.00} ) if I wanted my money back. I requested them to send me a report on their call review. They refused.
Consumer complaint received 2016-02-29
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I was being billed for yard waste/ refuse services at a residence I no longer owned /resided at and had requested service be discontinued. XXXX, the yard waste refuse company, continued to bill me and ultimately sent the bill to collections where it was identified as delinquent and impacted my credit score. I have attached all relevant documents to show this repeated error was entirely the fault XXXX.
Consumer complaint received 2023-07-11
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: TD BANK US HOLDING COMPANY (NY)

on XXXX XXXX XXXX XXXX XXXX received a text from XXXX : Suspicious activity detected at XXXX XXXX XXXX for {$1900.00} if valid replay VALID, if fraud replay FRAUD. Replay STOP to Stop. have never experienced such and was not sure this was Fraud or Phishing text message so at XXXX XXXX call XXXX the number on the Credit card and spoke to XXXX XXXX and asked her was the message form TD Bank and she said it is. I immediately informed her it is definitely FRAUD, and I did not make those charges. XXXX XXXX said she will close the account and issue a new account and a new card will be send out. XXXX XXXX also said she will put in a challenge to these charges. I informed her that I have not use the card for a while and the last charge I placed on this card was XX/XX/XXXX on XXXX for {$2.00}. I told her the reason I have not use the card because TD Cash card now charges foreign transaction fees and the initial reason for applying for the card is because there was NO foreign transaction fees. I also texted back on XXXX XXXX to the text with the response of FRAUD I have applied to all three credit monitor agency for Fraud monitor, started Federal Trade Commission, Identity Theft.gov and send in the FTC Fraud letter to TD Cash / TD Bank.

since then I have spoken to many TD Cash Credit / TD Bank customer services and asking them why I am still being billed for these charges, when I the card holder have call, text and spoken to TD Cash customer services that it is FRAUD and I did not make these charges, most of the TD Cash / TD Bank customer services will said, I will put in a challenge to these charges and the case is still under investigation.

I have send and faxed to TD Cash Credit / TD Bank proof that I was in XXXX XXXX XXXX and no where in Colorado. I send in New York XXXX XXXX transaction to XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  receipt, XXXX XXXX XXXX  receipt and my phone GPS location, clearly showing I was in New York XXXX. 
I have also requested a letter stating that I have called in on XX/XX/XXXX ( Tuesday ) and reported as FRAUD, texted back as FRAUD, my account was closed, a new account was issued and new card was send out, and all my contact information was correct. I have spoken to many TD Cash /TD Bank customer service and to date I have yet to get the letter I request. This letter is clearly stated on Federal Trade Commission, IdentityTheft.gov web site. It is just been a frustrating experience dealing with TD Cash Credit Card / TD Bank.
Consumer complaint received 2021-09-15
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. (OK)

XXXX XXXX XXXX has hard inquiries on my credit file that I did not authorize. The dates are from XX/XX/XXXX, and XX/XX/XXXX. These were not made by me and I am asking that they be removed from my file.
Consumer complaint received 2021-09-15
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. (OK)

XXXX XXXX XXXX has hard inquiries on my credit file that I did not authorize. The dates are from XX/XX/XXXX, and XX/XX/XXXX. These were not made by me and I am asking that they be removed from my file.
Consumer complaint received 2023-02-02
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. (TX)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2024-04-27
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (TX)

On my credit reports it is showing me as an authorized user on a Home Depot Card account. I contacted the person I believed was responsible for the account, and they were unable to locate my information as an authorized user or to remove me from the account. 

I have attempted to call the Home Depot credit card information numbers- but it never allows me to speak to a person, and I am required to have the primary holders personal information for an account to be pulled up. 

I have never had access to a Home Depot Card, never had access to an online login to see, spend, manage or access information on any account. 

I am unable to contact the creditor due to everything being behind protected behind automated phone walls and a requirement of having account information and details I have never been privy too, and I am completely locked out of gaining any insight or access to this account. 

As an authorized user I should have the right to see information, access and manage accounts and communicate as appropriate. 

I have no dealings with this account and need to be removed.
Consumer complaint received 2016-05-11
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Arbor Residential Mortgage LLC (NY)

In XXXX my mortgage monthly payment increased dramatically, causing me a hardship which led to eventually not being able to afford a mortgage payment. XX/XX/XXXX, XXXX XXXX started a foreclosure process against me. Months later a different bank XXXX started to send me collection letters. Now, a company Seneca is requesting payment from me for my mortgage. In XXXX, I tried to do a loan modification with XXXX but it was denied. Then, in XX/XX/XXXX submitted XXXX other loan modifications which were denied without specific reason with XXXX. In XXXX XXXX, I submitted another application with Seneca but it was, again, denied for no reason, just day after the application was sent out. There is something wrong with the legality of this loan. Something tells me that this is a fraudulent loan.
Consumer complaint received 2024-04-15
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc. (SC)

This year as well as last year my escrow was overdrawn. I have fixed it with my county both times however when I have contacted Mr. Cooper to have the current balance reassessed it has taken at least four months to resolved last year. This year, I have yet to be able to even have anyone acknowledge that this has happened. My mortgage is now currently doubled and there is a negative amount of {$800.00} in escrow despite my county having refunded the account. I have attempted to call Mr. Cooper on several occasions to speak with them to no avail. There is no direct way to speak with someone about this issue. I have sent several emails to them with all the proof needed to reassess my mortgage with the most recent email stating that their mailbox is full. I have recently come into contact with a group of people who have all had similar issues with Mr. Cooper and this is an ongoing issue with several people. I firmly believe this company is doing this on purpose to multiple people in order to have them default on their homes.
Consumer complaint received 2023-02-02
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. (TX)

In accordance with the Fair Credit Reporting act. The accounts below have violated my federally protected rights to privacy and confidentiality under 15 USC 1681. XXXX : XXXX 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.