davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-22
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (VA)

Dear Consumer Financial Protection Bureau, XXXX XX/XX/year>, the mobile phone received a text message confirming a purchase of a chase credit card. I didnt know it, so I sent a text message to reject the transaction, but I checked the bill and found that a previous purchase had been made successfully. The consumption amount was {$1200.00}, so I Contact Chase customer service, they said they would investigate, the amount was temporarily removed, but after a month, the charge was recharged, I contacted customer service, they asked to submit the alarm record, and police report. After I submitted it, they still did not refund me I am writing to file a formal complaint against Chase Bank related to unauthorized charges on my credit card and the subsequent dispute resolution process. Despite promptly reporting the unauthorized charges amounting to over {$1000.00}, Chase has refused to acknowledge my limited liability under the Fair Credit Billing Act ( FCBA ) and insists that I am responsible for these charges. 

I reported the unauthorized transactions to Chase immediately upon noticing them on XX/XX/year>. However, my dispute was denied, and I was informed that I am liable for the charges incurred due to the unauthorized use of my credit card.

Under the FCBA, I understand that my liability for unauthorized use of my credit card is limited to {$50.00}, and I have acted within the stipulated timeframe to report the unauthorized transactions. I have attempted to resolve this issue directly with Chase through their formal dispute resolution process but have not received a satisfactory resolution.

I seek the CFPBs assistance in resolving this matter. I believe Chases actions are not in compliance with the FCBA, and I am seeking a reversal of the unauthorized charges and a formal acknowledgment of my limited liability in this situation. 

Attached to this email are copies of my correspondence with Chase, evidence of the unauthorized transactions, and any relevant information regarding my attempts to resolve this issue. 

Thank you for your attention to this matter. I look forward to your assistance in resolving this dispute. 

Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-20
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (CA)

They sent a letter and stated I had a certain time to reply. I certified mail them a letter letting them know that this was not my debt. But they keep threating to put it on my credit report.
Consumer complaint received 2024-02-21
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (NY)

On XX/XX/XXXX I opened a CitiBusiness Streamlined Business Checking account and money market savings account. The account came with a promo offer that would be satisfied if I deposited {$50000.00} within 30 days ( I did so on XX/XX/XXXX ), maintained that balance for 60 consecutive days ( I did, withdrawing only after XX/XX/XXXX ). I also would like to note that I deposited and held the money in the money market savings account, and the terms explicitly allow for this. The bonus of {$1000.00} was due XX/XX/XXXX, due to the language " The Cash Bonus for which you qualify will be credited to your Citibank business checking account within 90 days from the end of the month in which you complete al Offer requirements. '' However : It was not credited. On XX/XX/XXXX I contacted Citi over live chat, who directed me to phone support, who insisted on a bonus code which was not printed on my offer. I then contacted my business banker at the branch, who did not reply. Today XX/XX/XXXX I tried calling phone support again, was told they can not help me, and was given a number to the branch that did not pick up. At this stage, I no longer have confidence Citi is interested in fulfilling their side of this offer - paying out the {$1000.00} bonus - and need to escalate the matter via a CFPB complaint.
Consumer complaint received 2023-03-08
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (IL)

Wells Fargo previously sent me a notice advising that they were sending me a reimbursement check for improperly closing my checking account. I received the check for {$150.00} and cashed the check. 
Now I received a notice from XXXX XXXX XXXX XXXX stating that I owe Wells Fargo $ XXXXHow is this even possible? They closed my account and sent me a check for incorrectly closing it, now they are billing me for the amount they sent me? This has to be improper practices by this banking institution and I would even go further to say they are willfully trying to get money back from the wrong they said they apologized for. Now My credit is affected and it is casing me to not be able to handle other matters because of this being improperly reported to the credit bureaus. I am being sent notices now asking for the money that they sent me. Why would they send me money only to ask for it back and do it by collections? This is against the law. 
XXXX XXXX  sent me the same notice from the same collections agency XXXX XXXX.
Consumer complaint received 2024-02-22
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Frontline Asset Strategies, LLC (IA)

I sent a debt verification letter on XXXX to the mailing address of Frontline Asset Strategies. However I never received a response, and they are now in violation of FDCPA laws for not providing verification of the debt within 30 days.
Consumer complaint received 2024-01-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: LoanCare, LLC (FL)

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Loancare : # 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 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. 

Loancare knows this information posted on my credit report is incorrect. 

Loancare can not produce loan agreements with me.
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 — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

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. 

Account name 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 , 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 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 2017-07-25
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened as a result of fraud
Company: CITIBANK, N.A. (CA)

On Friday, XX/XX/XXXX a Citibank employee from a local branch phoned me and tried to sign me up for a " CHECKING PLUS '' account, which protects checking accounts from overdraft fees by " loaning '' the recipient a {$1000.00} line of credit and taking fees out of the checking account to cover the loan. I declined this service. I had a free checking account with direct deposit and automatic bill pay and this is not a service I needed. The call from XXXX came in during another call and lasted less than 2 minutes, and I went back to the call I was on. The Citibank employee not only went on to open this " CHECKING PLUS '' account without my permission, he also attempted to open a " CASH and CREDIT LINE '' loan, but the bank declined this. I NEVER AUTHORIZED THESE BANKING SERVICES. I have been trying to resolve this problem for over a year, once I discovered that the bank was taking up to {$37.00} per month to cover this loan. Moreover, this line of credit has massive hidden fees. I estimate that I have paid 3 times the amount of the {$1000.00} " CHECKING PLUS '' loan over the last few years. The loan is never paid down and the bank says I currently owe {$1100.00} ( estimated ) on this account. I include an example of the overcharging in the documents. For example, the first time it used, {$200.00} is taken from the " CHECKING PLUS '' account on XX/XX/XXXX. However, after that the statement reads after I owe {$390.00}. Where does this other {$190.00} come from? I have tried to resolve this problem with both the local branch and the national customer service/credit department to no avail. No Citibank employee can explain to me exactly how the " CHECKING PLUS '' account works, or why I allegedly owe {$1100.00} after paying thousands of dollars in fees over the course of four years. I claim that the opening of this " CHECKING PLUS '' account is an act of fraud by a Citibank employee, and that they have used this line of credit to overcharge me, take excessive fees from my regular checking account, and otherwise violate my rights as a consumer protected by state and federal banking laws prohibiting financial institutions from opening lines of credit or otherwise providing services with fees to consumers without their express permission.
Consumer complaint received 2018-10-04
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (NY)

My husband passed away on XX/XX/XXXX. I, in good faith, did notify the mortgage company the week after he passed. I have mailed in full payments on XX/XX/XXXX, XX/XX/XXXX, and XXXX XXXX. These payments represented XXXX, XXXX, and XXXX payments. In the interim, after speaking with the " Relationship Manager '' he recommended that I submit a loan modification for the mortgage. I clearly admit that I am unable to pay this amount with the loss of my husbands XXXX, upon his passing. I had two telephone appointments with this " Relationship Manager '', and our last conversation on XX/XX/XXXX he told me that things were looking " nice ''. On or around XX/XX/XXXX I received a letter and packet from them dated XX/XX/XXXX stating that my application for modification was denied for lower credit and my income to debt ratio. With this packet, they sent me the following two options : Deed in lieu of foreclosure with up to {$10000.00} to restart my life or proof of a listing for a short sale by XX/XX/XXXX. In the interim, the property suffered fire damage for which I finally got payment from the insurance company in XXXX. This payment was in the amount of {$40000.00} and is sitting with their department. I have provided them with documentation to begin the repairs but they are still waiting for more. : ( What I had proposed doing is letting me have the required funds to perform the repairs and apply any remaining balance toward the mortgage. I have hired a realtor and will be listing the property on or around the XXXX of XXXX. I am also advised, by the mortgage company, that I can appeal this process and that will give me 30 more days that they will not pursue foreclosure proceedings. I really need some help here. I have been upfront and forthcoming with this lender throughout the process and have not been avoiding them and just feel that I am being punished for my honesty with them.
Consumer complaint received 2023-07-07
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. (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.

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 has had the last activity XX/XX/2008 yet it still shows on my credit report. It should be removed due to its age and inaccurate information. The reports states several different last activity dates, opening dates and reporting information. 

XXXX Account # XXXX is paid not closed and has been for over 10 years. 


The above accounts have violated my rights according to 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. This means that the credit bureau is willing and knowingly reporting inaccurate information to my report. The attached shows the inaccuracies. This needs to be removed immediately.
Consumer complaint received 2021-01-15
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (NJ)

On XX/XX/2021 I received an email from Coinbase Inc. that I needed to verify my identity on their website. I immediately followed the instructions and completed the verification successfully. Soon after I received an email also confirming that the verification was completed and I could use my account to invest. However, after logging in, my account was still blocked from making any transactions. I submitted a ticket and followed up twice on the status but after an entire day, I still haven't received a response. There is also no phone number you can call and speak to a representative. The only means of contact is email. Without any explanation my account has been blocked and I can not trade or withdraw my assets. The lack of responsiveness is also unacceptable.
Consumer complaint received 2023-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or missing disclosures — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting act XXXX  XXXX Account # 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 a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose this account is current and i have never made a late payment
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and removed for erroneous reporting in my file are listed on my credit report : 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 2021-09-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

XXXX  XXXX  XXXX  LLC Date Opened : XX/XX/XXXX on XXXX. XX/XX/XXXX on Equifax XXXX XXXX : {$500.00} on XXXX. {$0.00} on Equifax XXXX Reported : XXXX XXXX. XXXX Equifax Date Last Active XXXX XX/XX/XXXX on XXXX. XX/XX/XXXX on Equifax Date of Last Payment : XX/XX/XXXX on XXXX on Equifax This account is being reported with two different dates of last activity, payments, reported, credit limit, and date opened. If this account is being reported by the same source, why is everything different? Need it deleted for being inaccurate reporting from my XXXX and Equifax. 

This is a violation of reporting false information BY XXXX  on my credit report
Consumer complaint received 2017-07-25
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. (CO)

YOUR COMPLAINT : First off I am not a CREDIT REPAIR COMPANY. But I am a very smart individual that has done my home work, so I am DEMANDING that you stop trying to use stall tactics in order to simply not remove something from my credit report that you know is wrong and that you can not verify. You are hereby put on notice that anymore incorrect information seen on my credit report that does not meet the standards of section 609 of the FCRA will be dealt with in a court of law, which is something you are very familiar with. XXXX and Equifax has two items on my credit report that do not belong on there. 1. XXXX XXXX Was never late and that account does not even exist anymore. They have even said in the statement they can not verify it but they keep reporting it as paid late. The account was never late, it was never defaulted on. Make them remove this immediately, it is past the 7 years that it is supposed to be reporting anyway. I find it FUNNY that XXXX was reporting this same thing and they removed the item because they could not verify it. If they can not verify it, because XXXX XXXX is not communicating with them, I find it hard to believe that you XXXX and Equifax have had any luck communicating with them. You simply are not doing your job and you are violating the law. I will continue to file complaint after complaint until you fix this error and remove it from my credit report. You are hereby put on notice that I am tired of dealing with this and the next step is a legal lawsuit to take you to court and make you show proof that what you are reporting is correct. ****SEE THE ATTACHMENT SHOWING XXXX DELETION**** 2. XXXX On my XXXX XXXX they have a negative comment that I had disputed this account with them, why it has never been late and always paid on time. Remove this comment immediately. It is apparent they are trying to hurt me financially.
Consumer complaint received 2023-01-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I declare under penalty of perjury ( under the laws of the United states, If executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18U.S.C1001.Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. This collection found within my credit report is not related to any transaction that I made. I am alleging that a person or company -without my authorization -used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All are being investigated by the FTC XXXX XXXX Bankruptcy Case Number : XXXXXXXX XXXX XXXX  Account Number : XXXX
Consumer complaint received 2023-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am a natural person, I am a living human being, I have rights under 15 USC 1681. TRANSUNION is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be remove because According to 15 USC 1681 : 1 have the right to privacy and I did not give TRANSUNION written permission to furnish these accounts listed below. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: RFNA, LP (TX)

XXXX XXXX Acct # XXXX Experian ( High balance {$0.00}, Count of late payments XXXX ) XXXX ( High balance {$4500.00}, Count of late payments XXXX ) XXXX XXXX XXXX Acct # XXXX ( Requested that original documents with signature be sent several times. Company refuses to send ) XXXX XXXX XXXX Acct # XXXX ( Requested that original documents with signature be sent several times. Company refuses to send )