davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-01
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. ()

On XXXX, I made a payment in the amount of XXXX XXXX  from my XXXX account to the account of XXXX XXXX XXXX XXXX opened in the XXXX XXXX XXXXXXXX XXXX XXXX XXXX . JP Morgan Chase Bank was an intermediary bank in this chain. On XX/XX/2022, XXXX was appointed in accordance with Presidential Decree No. 
XXXX. Given this, my payment must be blocked by an intermediary bank in accordance with the rules of US sanctions. To unblock a payment, I need to apply for a specific license with OFAC. However, JP Morgan Chase has not yet blocked the payment and has not informed the sending bank about the freezing measures. Thus, I can not apply to OFAC for the license required to unlock my funds, because for this I have to enter some data and, in particular, the date when the payment was blocked. Otherwise, OFAC may not find the record of the blocked payment. On XX/XX/2022, we tried to contact JP Morgan Chase Bank via XXXX from XXXX with a request to clarify whether the payment was blocked and what was reported to OFAC and when. However, JP Morgan Chase did not respond. 
Thus, I can not apply to OFAC for the license required to unlock my funds.
Consumer complaint received 2019-08-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fidelity National Financial, Inc (AZ)

Fidelity National Title Agency is charging {$2300.00} in " late fees '' when I have not paid late. Fidelity has told me over the phone, that even though the late fee issue was not my fault, they will not remove the fees.
Consumer complaint received 2023-08-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A. (VA)

I am a senior trying to purchase my first home built my credit score up. Citi Bank gave me a Costco Citi Visa Card. On XX/XX/23 they obtained a copy of my XXXX XXXX XXXX and due to increase usage on some of my cards they lowered my limit from {$7100.00} to {$4000.00}. After my card usage was at {$3700.00} I never paid late and always paid 3 times the amounts plus on the amount due. This unauthorized action put my card at over 90 % usage and will damage my fico score by at least XXXX points. See attached documents!
Consumer complaint received 2020-01-15
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. (GA)

On XX/XX/19 XXXX credit Report, XXXX XXXX   XXXX  ( XXXX ) status states DELETED from your credit report.
Consumer complaint received 2019-12-02
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: LCO Financial Services, LLC (CA)

Had loan for three months amount of loan was XXXX dollars .the first payment was debited from my account for XXXX the second month the amount jumped to XXXX the third month for the XXXX of those amounts XXXX dollars was applied to the loan amount I just paid the balance off and will no longer do business with these loan sharks
Consumer complaint received 2019-12-09
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. (TX)

I recently received paperwork from your company in regards to the disputed accounts on my credit file. I have yet to receive any type of corresponding proof that you performed an investigation of any type. I have contacted the creditors directly and provided you with the documentation, yet your company Equifax continues to intentionally harm and damage my credit. I have written you on ( 6 ) six different occasions regarding the so called verified/accurate accounts. According to the FCRA section 611 ( 15 USC 1681 ) you have 30 days to comply with my request and 15 additional days if needed which you have not. My ID and SS card were scanned in legible and clear you are in violation of the rules and regulations, therefore you must remove the accounts listed below for failure to investigate and or validate under section 623. Also, I have a host of non-account bearing and unauthorized inquirys showing as well and would also like to have them deleted. I am sure after review from your legal counsel you will adhere to the rules and regulations of the FCRA, less you are prepared to pay the steep fines which you have amassed ( 6 ) different request for failure to comply. 
I reviewed a new credit report dated XX/XX/XXXX and noticed that I have accounts that are inaccurate and in violation of the FCRA. Attached is a copy of the accounts and the listed violations for each. Note : these accounts were deleted from XXXX and XXXX last year and I am sure you received the information because you guys share it. Either provide the proof in the form of signed contracts, identifying documents, DL & SS card or any legal documents you received from the creditor which would validate your investigation or you must delete these invalidated and inaccurate accounts immediately. 
1. XXXX XXXX  ACCT # XXXXXXX for {$400.00} Furthermore, I have explained to you that I was a victim of identity theft. I have never had XXXX as a financial institution. Clearly you can see that but you insist on violating the FCRA and a blatantly attempting to do malicious harm to my credit. 

2. XXXX XXXX XXXX XXXX ACCT # XXXXXXX opened XX/XX/XXXX for {$22000.00}. 
Violation : activity on a closed account, inaccurate payment history, See Equifax print out. 
3. XXXX XXXX XXXX XXXX ACCT # XXXXXXX opened XX/XX/XXXX for {$10000.00}. 
Violation : activity on a closed account, inaccurate payment history, See Equifax print out. 
4. XXXX XXXX XXXX XXXX  ACCT # XXXXXXX opened XX/XX/XXXX for {$5900.00} Violation : activity on a closed account, inaccurate payment history, See Equifax print out.
Consumer complaint received 2019-12-09
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Professional Receivables Network (IL)

I received a letter from Sage capitol recovery concerning a debt of {$3700.00} with XXXX. They asked that I review this information and respond in writing within 30 days if I did not recognize this debt. Having never done business with XXXX  I responded in writing explaining that I was not the person that they were looking for, as well as that I never made any purchases with XXXX and that they had the wrong person. I had never received any calls until after they received my letter which was mailed to Sage capitol recovery on XX/XX/19 ( their letter was dated XX/XX/19 ). Now once or twice a week I get a robocall from Sage capitol recovery asking me to call XXXX XXXX at XXXX. I have had the exact computer voice message at least 5 times over a span of 2-3 weeks. I did return the call twice only to be automatically transferred to a voicemail which stated this voicemail box is full. Please call back at another time. There does not seem to be anyone working at this place as I have only received robocalls and cant get a human to answer any call. This is not my debt, I dont know how to have them stop robocalling me. As I stated clearly in my written response, they have the wrong person.
Consumer complaint received 2022-12-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: MARINER FINANCE, LLC (TN)

I here by Opt-out of Marine Finance sharing my nonpublic private consumer financial information with any third party non affiliates. Continued reporting will be a violation of Regulation P of the Code of Federal Regulation.

This is a Notice Of My Intent To Sue for a violation of my consumer rights.
Consumer complaint received 2024-03-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX # XXXX XXXX # XXXX XXXX # XXXX XXXX # XXXX XXXX XXXX  # XXXX XXXX  XXXX # XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) 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 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2019-12-02
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: EQUIFAX, INC. (CA)

I was applying to rent a car today XX/XX/19 and when they ran my credit they told me that I was unable to rent with their company because I did not meet the credit requirements. I was confused so they let look through my credit report and I found several inquiries as well as accounts on my report that I never opened. None of those accounts or inquiries belong to me nor did I give anyone permission to open those accounts or make those inquiries with my personal information. I filed a police report regarding these items as soon as I got the chance ; I never benefitted anything from these accounts/inquiries that were opened in my name without my authorization nor do I have any relationship with any of the companies I listed. I did not take part in any payments, purchases or transactions involving any of these accounts.
Consumer complaint received 2019-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (OH)

MY NAME IS XXXX XXXX MY SS# IS XXXX MY DOB IS XXXX I AM REQUESTING THE IMMEDIATE REMOVE OF A FRAUD ALERT FROM XX/XX/2018. I NEVER REQUESTED AN ALERT!!  I HAVE CALLED IN AND TRIED TO PUT MY INFORMATION IN ON THE experian.com/upload. IT WAS REJECTING SEVERAL TIME FOR UNKNOWN REASONS. I HAVE ATTACH A COPY OF MY ID AND SS# TO THIS CFPB COMPLAINT.  THIS HAS BEEN A ON GOING ISSUE. I AM TRYING TO CONDUCT BUSINESS AND IT KEEP GETTING STOPPED DUE TO THIS UNNECESSARY FRAUD ALERT THAT I NEVER REQUESTED!
Consumer complaint received 2019-12-09
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: Experian Information Solutions Inc. (NV)

I enrolled in school with the university of XXXX online classes program in 2016. I was able to take a few classes for about half of a semester before I had to withdraw from the school. Due to a divorce and having to work two jobs to take care of my kids, I just didn't have the time. I did receive partial payments from the school totaling about XXXX dollars. After checking my Experian and XXXX  credit report I've noticed that the school has the account listed as a charged off account in the amount of {$7500.00} dollars. I would like to know how can this be, when I only received a partial payment. This is the only negative account listed on my credit reports which is severely impacting my credit score. 
I've disputed this account per certified mail with the both reporting agencies and received back responses stating account remains. I plan on purchasing a new home at the start of the new year and it would help out tremendously if this negative inaccurate account can be immediately removed off of my credit reports.
Consumer complaint received 2019-12-09
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: EQUIFAX, INC. (NV)

I enrolled in school with the XXXX  XXXX XXXX online classes program in 2016. I was able to take a few classes for about half of a semester before I had to withdraw from the school. Due to a divorce and having to work two jobs to take care of my kids, I just didn't have the time. I did receive partial payments from the school totaling about XXXX dollars. After checking my XXXX and Equifax credit report I've noticed that the school has the account listed as a charged off account in the amount of {$7500.00} dollars. I would like to know how can this be, when I only received a partial payment. This is the only negative account listed on my credit reports which is severely impacting my credit score. 
I've disputed this account per certified mail with the both reporting agencies and received back responses stating account remains. I plan on purchasing a new home at the start of the new year and it would help out tremendously if this negative inaccurate account can be immediately removed off of my credit reports.
Consumer complaint received 2022-01-04
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: Santander Consumer USA Holdings Inc. (AR)

They claim I was not making payments it 6 days after car was bought it was involved in wreck and was other parts fault now we settled in court and the van was paid in full as you will see it was a lump sum once court settlement came thru and it keeps destroying my credit please all Im asking is then change it to no missed payments due to other party not wanting to settle at first now I can provide court documents when I went and if this is not handled I will find a tax lawyer.
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. (TX)

I RECENTLY RECEIVED A LETTER ABOUT A XX/XX/XXXXXX/XX/XXXX DATA BREACH AND I WAS ADVISED TO CHECK MY CREDIT REPORT TO MAKE SURE I WAS NOT A VICTIM. I HAVE NO INTEREST IN CREDIT SO I NEVER REALLY CHECK MY CREDIT REPORT. I WAS AMAZED WITH THE DAMAGE THAT WAS DONE TO MY CREDIT. ALL THE ACCOUNTS AND INQUIRIES ON MY REPORT WERE NEVER AUTHORIZED BY ME NEITHER HAVE I EVER RECEIVED ANY TYPE OF SERVICE FROM ANY OF THESE COMPANIES. I AM A VICTIM OF IDENTITY THEFT AND I HAVE ALREADY REPORTED THIS CRIME TO MY LOCAL POLICE DEPARTMENT. THEY ARE CURRENTLY INVESTIGATING AND ADVISED ME ON THE STEPS TO DO NEXT. 

THE FRAUDULENT INFORMATION APPEARING IN MY CREDIT REPORT IS AS FOLLOWS : XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX   XXXX XX/XX/XXXX FRAUDULENT INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

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. I asked XXXX, Transunion and XXXX to reinvestigate to accounts listed below : 1. XXXX XXXX Account # XXXX 2. XXXX XXXX XXXX XXXX Account # XXXX 3. XXXX XXXX XXXX Account # XXXX 4. XXXX XXXX XXXX Account # XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. 

According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that isn't reporting correctly. 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. Also they aren't in compliance with metro 2 credit reporting.
Consumer complaint received 2023-03-01
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Coinbase, Inc. (NJ)

Commencing on or around XXXX XXXX, 2022, i fell victim to a multi-layered scam operation run by XXXX which involved me making deposits for a total amount of XXXX BTC from my Bank account to Coinbase at the instructions of the XXXX. 

On XXXX XX/XX/2022, coinbase response to my complaint with the below email Your Formal Complaint to Coinbase We are responding to a complaint you submitted on XXXX XXXX 2022, ( Complaint ) to Coinbase regarding a Coinbase customer who you believe defrauded you. 


Coinbase is investigating your report. However, we are unable to share any information regarding a Coinbase customer account without a valid, enforceable court order. 


Coinbase is very sympathetic to the situation in which you find yourself. We encourage you to continue to work with your bank to resolve this matter. Additionally, your local law enforcement may also be of assistance to you, including the FBIs Internet Crime Complaint Center ( www.ic3.gov ). Coinbase fully cooperates with law enforcement investigations. 


Coinbase considers your complaint closed. 


Kind Regards, XXXX Coinbase Customer Complaint Officer Please attached is the full details in a pdf letter.
Consumer complaint received 2020-01-15
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (SC)

On XXXX I pulled all 3 of my credit reports and noticed that I had a collection account with Portfolio Recovery Associates. On XXXX I sent a notice of dispute and validation which was delivered and signed for on XXXX at XXXX. Each account differed from the other ; from contact information, account name, account number, original creditor, account status, payment status, status update, balance updated, original balance, past due amount, high balance, terms, and last but not least payment history.. Also being reported as opened on month in which this alleged account was bought by Portfolio Recovery Associates . I've received an itemized statement ( which does not constitute verification ) containing my name, partial account number, and a balance XXXX cents cheaper than reported. Portfolio Recovery Associates has failed to provide me with proper validation. Please note that as 15 U.S. Code 1681s2 ( Responsibilities of furnishers of information to consumer reporting agencies ), so obviously states, it is prohibited to report information with actual knowledge of errors. This account listed on all three of my credit files is RIDDLED with errors. This company is challenging and disregarding my rights as a consumer. Portfolio Recovery Associates has willfully and negligently reported inaccurate information to all of my credit reports and has continued to do so for a total of 32 months. Please note that the FDCPA and FCRA are strict liability statutes and one only needs to show a violation occurred in order to be awarded statutory damages. Even if you simply remove the information from my credit files, remedy is not complete provable infractions have taken place and are still subject to damages payable to the consumer. 

Also note that PRA, LLC 's most recent correspondence received dated XX/XX/2020 stated that " If we continue to receive subsequent correspondence from you regarding a dispute that has already been resolved, we will consider your inquiry answered. No further replies will be forthcoming unless you provide the information we need to assist you. Our office considers this matter closed. '' I clearly stated in both notices to Portfolio Recovery Associates, LLC that I was making a goodwill attempt to have them clear up this matter. That the listed item is inaccurate and incomplete, and represents a very serious error in their reporting. 

***Attached are all 3 listings reported to the three major  credit bureaus XXXX  , XXXX  & XXXX  dated XXXX
Consumer complaint received 2023-05-11
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IN)

Subject : Formal Complaint - Bank of AmericaXXXX XXXX XXXX and Service Issues Dear Consumer Financial Protection Bureau , I am writing to lodge a formal complaint against Bank of AmericaXXXX XXXX for significant service and accessibility issues that I believe violate my rights under the Americans with Disabilities Act ( ADA ). 

As a customer with multiple XXXX, which render prolonged phone conversations difficult, I have encountered a severe lack of accessible communication methods with the institution in question. My repeated attempts to retrieve my own funds have been met with exceptionally long hold times, reaching up to four hours on several occasions. As I draft this complaint, I remain on hold, reflecting a distressing pattern of non-responsiveness. 

In my pursuit of a resolution, I scheduled a call with an advisor, only to be redirected back to the same inaccessible line. This pattern indicates a concerning lack of appropriate service and accessibility provisions, constituting a clear violation of the ADA. 

This systematic hindrance, coupled with the institution 's apparent disregard for my concerns, gives me reason to believe this could be a deliberate attempt to discourage customers with disabilities from accessing their own funds, forcing them to continue using inadequate services. 

Having trusted this organization with my funds twice, I am dismayed by the lack of proper service and disregard for my rights as a customer with XXXX. If this situation persists, I am prepared to pursue litigation to assert my rights and retrieve my money. 

I respectfully request the CFPB to investigate this matter and enforce the necessary measures to ensure Bank of AmericaXXXX XXXX adheres to the regulations set forth by the ADA and provides appropriate service to all customers. 

Thank you for your attention to this matter.