davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE (IL)

Huntington might possibly be one of the cruelest banks I have ever dealt with. 6 months ago, my partner and I awoke to our funds, totaling around XXXX, frozen, and we had no idea why. They would not tell us, so we were left completely in the dark. Come to find out, his mom had gotten close to some senior leaders in the bank and they aided her in her crusade to obtain ultimate control over my partner, guardianship. All his rights would be taken from him. Aside from that, we could barely afford to find adequate representation because of the freeze on the funds. My partner was behind in student loans, his car is going to be repossesed, we are scraping by selling our personal belongings we had such as tv 's just to buy food and pay rent. We are not able to pay rent for XXXX and are endager of being evicted if we can not. We have XXXX small cats and have no where else to go. They treated us terribly the entire time, claiming two times to lose the court orders that said my funds were not part of the order and I could withdraw them. After they did not let me do so, I exhausted all my hidden accounts and ran my credit cards up to the maximum. My credit score dropped XXXX points. I emailed XXXX XXXX, XXXX XXXX, and the worst of them all, XXXX XXXX. Terrible examples of what a decent employee should be. You are nothing more than an employee at a bank. You do not have the right over someone else 's funds especially when they are not under the freeze like the court ordered. Release my funds or I will report you to every consumer bureau everyday until I have MY funds back. No matter what the mother said I have a great deal more money than she assumes. I have XXXX in the smart invest checking and a trust that disperses at XXXX of XXXX XXXX. I would also like whatever email you sent out about me and my partner retracted and an apology sent out or I will sue you for defamation and libel among the other parts of my lawsuit,. I am well versed in the XXXX
Consumer complaint received 2023-01-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: Experian Information Solutions Inc. (VA)

Company contacted me after the XXXX cut off time Improperly abused my reports on purpose Company is abusing FICO score Company abused Truth In Lending Act Company abused Fair Credit Reporting Act Company abused No-Fear Act Company abused U.S. Patriot Act
Consumer complaint received 2023-08-10
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. (OR)

Please refer to the last complaint XXXX. This ccomplaint was sent to XXXX aswell On XX/XX/2023, both myself and the owner of XXXX XXXX showed up at XXXX XXXX XXXX branch at XXXX XXXX XXXX XXXX XXXX, XXXX WA, XXXX to get our {$3000.00} dollar back. We worked with the banker there, but XXXX fraud department is unwilling to work with us to get our money bank. XXXX required Chase bank to recall the funds. Both myself and the sender ( XXXX XXXX ) talked to Chase Bank on multiple occasions. Chase Bank stated the money transfers were verified and that they can not reach out to XXXX because of their policies. Now I understand that XXXX deemed this is suspected fraud from the beginning, but all misunstandings would have been prevented if XXXX did their investigation and reach out to Chase to verified the transactions, but the process did not get done. We can not help but feel helpless that none of the banking institutions are willing to work with us. These are not XXXX or Chase money, but they are holding our money without providing working solution. We can not help but feel robbed of our hard earn money. Both myself and XXXX XXXX are willing to work with XXXX or Chasebank to find a solution. XXXX XXXX is willing to talk to XXXX and provide any information that is required I plead to CFPB to investigate this situation and help us find a solution.
Consumer complaint received 2024-02-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

My information has been leaked in recent data breaches and my information may have been used fraudulently without my permission. The following are discrepancies that were found on my credit report. 
Accounts in collections # XXXX. XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX Amount : {$440.00} # XXXX. XXXX XXXX XXXX. Original creditor : XXXX XXXX Amount : {$340.00} # XXXX XXXX  XXXX Amount : $ : {$1900.00} Accounts closed with balance # XXXX. XXXX XXXX XXXX. XXXX XXXX is Payoff. Amount : {$75.00} # XXXX, XXXX. Amount : {$310.00} # XXXX Information XXXX XXXXXXXX XXXX Amount : {$5900.00}
Consumer complaint received 2023-02-04
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)

I submitted a request to remove a credit error that is also showing duplicate. This is affecting my credit and I am not able to purchase my home. I have given them over 60 days and 2 requests now with no resolution
Consumer complaint received 2023-01-13
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: Experian Information Solutions Inc. (AZ)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OK XXXX, Account # XXXX has violated my Federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Additionally, I exercise my right to opt out of any and all authorization I, the federally PROTECTED consumer, may have given XXXX XXXX whether it be written, unwritten, verbal and nonverbal, pursuant to 15 U.S.C. 6802-6805 and 16 CFR 313.7 Form of opt out notice to consumers ; opt out methods. ( f ) Continuing right to opt out. A consumer may exercise the right to opt out at any time.
Consumer complaint received 2023-06-22
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: Experian Information Solutions Inc. (FL)

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 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 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 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 2023-08-10
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: CL Holdings LLC (FL)

In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidential under 15 U.S.C 1681.

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 1681 C. ( A ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681 S-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2015-04-11
Product: Credit card — 
Issue: Payoff process — 
Company: JPMORGAN CHASE & CO. (PA)

When using the autopay option, Chase only allows me to pay either the full amount due on my card or the minimum due each month. I am trying to pay off the card, and by refusing to let me pay more than the minimum due each month using the autopay system, I feel Chase is forcing me to pay more interest than I should. Please require Chase to offer more autopay options. Thank you.
Consumer complaint received 2023-05-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Today, I was informed by Bank of America, after calling them, that my two credit card accounts with them had been closed. This came as a surprise to me because I had not received any adverse action notices regarding either account, and the only reason I found out was that I was unable to access my online banking account ( which is how I make payments ). 

Both of these accounts had always been paid on time, and I had made all payments through the online banking portal. However, now I am forced to call a phone number to do anything. The representative I spoke with ( who was very kind ) took over 10 minutes to find a note on why my account was closed and apologized that notices WERE NOT sent. 

I find it unacceptable that a bank of this size would fail to inform its customers of decisions made on their accounts. Such actions are illegal and have a negative effect on my credit report, which is in the form of a reduced credit line/closed account by the financial institution. Besides, I had just received approval for a balance transfer on one of these two accounts earlier this year, and nothing has changed on my credit report since then. How is this practice not abusive and a UDAP violation? 

This experience has left me feeling frustrated and disappointed. It is not the level of service I expect from such a large financial institution like Bank of America. I would like to see measures put in place to ensure that customers are notified of any changes made to their accounts. This would avoid situations like mine, where customers are left in the dark and have to go through the hassle of finding out on their own. 

Overall, I hope that Bank of America takes this matter seriously and implements changes to ensure that customers receive proper notification when decisions are made regarding their accounts. This will not only benefit customers but also improve the bank 's reputation and trustworthiness.
Consumer complaint received 2023-08-10
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (NY)

An extra payment was made and I requested to have it applied to my XXXX promotional purchase. It was denied being allocated because its less than the minimum payment. I made XXXX payments in XXXX the minimum ( XXXX $ on XX/XX/XXXX ) AND an additional {$500.00} on XX/XX/XXXX. The {$500.00} paid on XX/XX/XXXX I requested to be put towards the promotional balance ending in XXXX. I made an extra payment specifically for that balance and was told it couldnt be allocated because I didnt make the minimum payment, but I did!
Consumer complaint received 2023-08-10
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: I.C. System, Inc. (TX)

I did not get verbal or Written consent to place any credit reports on my credit. I also tried to resolve this matter by contacting each creditor but they fail to comply with me.
Consumer complaint received 2021-09-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

These are unauthorized inquiries and I have no knowledge of ever filing any of these inquiries or giving anyone, company, or corporation permission to report anything to my report or was privy to any of these filings. 

XXXX XXXX XXXX XXXX : XX/XX/2021 Credit Union XXXX XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX XXXX/XXXX  Inquiry : XXXX. XXXX, 2021 Bank XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX XXXX  XXXX NA Inquiry : XXXX XXXX, 2021 Bank XXXX XXXX  XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX
Consumer complaint received 2021-09-18
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: FORD MOTOR CREDIT CO. (LA)

I sent letters again on XX/XX/21, in regards to a inaccurate, unverifiable, and unknown account on my credit report. To this day, over 48 days later, I have still not received a response yet. I feel like they are taking advantage of me and ignoring my disputes. In Section 611 ( a ), it plainly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report it has been over 48 days so they should be deleted promptly. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person. I have asked multiple times for an original application with my signature on it and have been ignored every time. Please remove this account immediately because it is hurting my ability with banking and receiving financial assistance and they are not responding to me. I really cant believe they are taking advantage of me like this. They are ruining my credit and my life.
Consumer complaint received 2021-09-18
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Credit Acceptance, LLC (NJ)

On XX/XX/2021 XXXX XXXX/ AMERICAN CREDIT ACCEPTANCE Has reported I owe {$5100.00} which is not true Ive tried to reach out to this financial company about this matter many times over the years because of the fraudulent of this dealership they let any person buy a car in anybodys name the owner threatened me and told me he did not care who maybe bought this car, and that he was an Attorney and would see me in court he said all he wanted was his owed money now this has resulted in collections because the owner was rude to me and would not listen he never sold me this car and didnt want to hear about the misunderstanding So I would like to make a complaint against this company about this matter.
Consumer complaint received 2023-06-22
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: Experian Information Solutions Inc. (PA)

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.

The letters are stated with items and issues.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-09-18
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. (CA)

I have inquiries that are the result of fraudulent activity, they have not been authorized. My information was also compromised in the Equifax Data  Breach.
Consumer complaint received 2020-08-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (TX)

I was thinking about buying truck from XXXX XXXX XXXX in XXXX, ohio. A few weeks ago. XXXX advertised they were offering 0 % Interest on new vehicle purchase so I decided to apply to XXXX XXXX only. They sent my approved application to XXXX XXXX XXXX. I called the sales rep to see what the status of the app was and he said I was approved at like 6 %. I said what happened with the 0 % that XXXX is offering and he said he would look into it. The following week I called him back to see what was the status of the XXXX XXXX application and he said he was still working on it. A few hours later a receive a call from XXXX XXXX trying to talk to me about the auto loan. I told them that I never authorized any one to run my credit with XXXX XXXXXXXX. I then called the sales guy from XXXX XXXX to ask why he ran my credit with XXXX XXXX and he said when I applied for the auto loan with XXXX XXXX I was also authorizing them ( XXXX   XXXX ) to run my credit with other banks. I told them that never authorized that and not to run my credit any more. He was able to the me a lower rate at 3.34 % but I was really looking for 0 % that XXXX was advertising. I still accepted the offer but now I'm receiving several letter from a bunch of different banks saying that I was denied for a auto loan that I never applied for.
Consumer complaint received 2023-08-09
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (MI)

I feel foolish that I even fell for the scam. I sent money to someone intending to buy a product and while the amount was not a great deal, I immediately reported it same day when I realized it was a scam. It cost me {$48.00} and {$100.00} respectively. PayPal responded almost immediately saying that it was not anything they could do. It was not even 3 hours did I send and then report the issue. The email almost felt auto-generated and not even looked at by a real person.
Consumer complaint received 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

This CFPB complaint has been filed to request, pursuant to FCRA 605B or 15 U.S.C. 1681c-2, that you, the EQUIFAX Credit Reporting Agency , block informations appearing on my consumer credit report that is the result of identity theft and fraud within four business days of receiving this complaint.

This fraudulent, inaccurate, and false information consists of the following : 1- Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Inaccurate addresses : 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 XXXXXXXX Unauthorized inquiries : XXXX on XX/XX/XXXX, XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX Inaccurate employment : XXXX, XXXX XXXX XXXX XXXX Incorrect name : XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit reports. I have attached a list of the hard inquiries in question, as well as a copy of the consumer FICO credit report maintained, which shows the mentioned fraudulent items.

I do not recognize the mentioned accounts, collections, or hard inquiries as reported. The mentioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by me were not opened, made, or initiated by me. All of the mentioned accounts, collections, and hard inquiries are the result of identity theft and fraud. 

I have attached a copy of FTC Identity Theft Criminal Complaint number XXXX as proof from the US Federal Trade Commission that all of the mentioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2023-05-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Captial One employee agreed to hold account and stop any charges while account access issue resolved. I filed two complaints regarding restoring access, meanwhile they are charging my account contrary to their verbal agreement ( witnesses and ref number of call available ).
Consumer complaint received 2022-11-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: LEXISNEXIS (FL)

i have asked LEXISNEXIS RISK SOLUTIONS a copy of my report because they say that they were unable to verify me they did not ask for any other information beside my name, social security number, DOB, address and license number they did not ask me for any copies of anything. 

I need a copy of my consumer report to verified everything is accurate attached a copy of my ID and a utility bill
Consumer complaint received 2023-02-03
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: Experian Information Solutions Inc. (NY)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS