davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/XXXX, XXXXXXXX XXXX, my debit card was stolen from my purse by a pickpocket or pair of individuals working to distract me. As I finished paying for groceries at the self-checkout at XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX a woman tapped me on the shoulder and indicated that I'd dropped a {$10.00} bill. ( I hadn't. ) She didn't speak English, but kept touching my purse and me. I told her that the bill wasn't mine, but she insisted so I finally thanked her and accepted the bill. I walked out to my car. As I opened the trunk I felt a tap on my shoulder. It was the same lady. This time she indicated, by touching my purse and pointing, that she felt that the {$10.00} bill had actually been hers. I agreed and gave it back to her. She thanked me and left. The next morning, XX/XX/XXXX, I discovered that my debit card was gone from my purse and that withdrawals of {$1000.00}, {$1000.00}, and {$2000.00} had been withdrawn from my bank account using the Chase ATM, as well as a charge for {$700.00} at a nearby XXXX XXXX. 
I immediately called Chase 's fraud department to report the stolen debit card and to report the {$4700.00} theft. They responded by issuing me a credit of {$4700.00}. The same day, I reported the theft to XXXX Police Dept. On XX/XX/XXXX, I recieved an email from Chase bank notifying me that, after conducting their own investigation, they felt that I had authorized the {$4000.00} withdrawals and that they were going to take back the {$4000.00} on XX/XX/XXXX, which they did. They say whoever withdrew the money from the ATM had 2 forms of my identity, and that the burden of proof is on me to show that it was not I who withdrew the money ( Chase bank must have security camera footage that shows who withdrew the money. XXXX XXXX XXXX most likely has the woman on camera as well since she had obviously been standing right behind me in order to see me key in my debit card PIN. )
Consumer complaint received 2023-03-02
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. (TX)

This is my follow-up request to tell you that I am a victim of Identity theft. The items I question have no connection with me or the transition I've made. 

Please block these erroneous items : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX , TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX , TX XXXX XXXX XXXX XXXX XXXX XXXX , TX XXXX XXXX XXXX XXXX Balance : {$1500.00} XXXX XXXX XXXX Balance : {$6700.00} XXXX XXXX XXXX Balance : {$28000.00} XXXX XXXX XXXX Balance : {$680.00} XXXX XXXX XXXX Balance : {$790.00} XXXX XXXX XXXX Balance : {$28000.00} XXXX XXXX XXXX Balance : {$1500.00} XXXX XXXX XXXX Balance : {$6700.00} XXXX XXXX XXXX Balance : {$28000.00} XXXX XXXX XXXX Balance : {$680.00} XXXX XXXX XXXX Balance : {$790.00} XXXX XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-10-05
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A. (MI)

I paid my entire Citi Bank credit card balance of {$7000.00} via XXXX XXXX ACH transfer on XX/XX/23 to Citi Bank. I was told there would only be 24-48 hours posting time, which meant I could not us my Citi credit card because I had reached my limit of {$7000.00}. After XXXX business hours, my credit card limit was still freezing the use of my card. When I inquired about why, customer service personnel said because my {$7000.00} payment via ACH was so large, it was considered a suspicious transaction & therefore my card had a credit limit imposed for XXXX business days, even though Citi acknowledged that they had received my XXXXXXXX XXXX transfer of {$7000.00} after XXXX hours of receipt. I was trying to make another purchase of deck materials to install my new porch, but was held up by 7 days, which I felt was punitive. My credit score is XXXX, which is excellent, but I assumed to be a suspicious credit risk by Citi Bank, which any written rules or guidelines in the credit card agreement to outline their internal policy. My Citi Bank credit card was finally unfrozen on XX/XX/23 at XXXX XXXX. 
I feel that Citi Bank owes me a written apology & {$100.00} credit reward on my card for my inconvenience. I was insulted by their customer service representatives with their " suspicious transaction '' language, when they could clearly see my credit score was XXXX. 
Thanks for reviewing my complaint. 
XXXX
Consumer complaint received 2023-03-02
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: EQUIFAX, INC. (CT)

I recently submitted a request for an investigation of the disputed account, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must update or get rid of the listed account from my file. 
XXXX XXXX XXXX Date opened : XX/XX/2021 Balance : {$19000.00}.
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (PA)

This company is showing an old chargeoff on all of my credit reports. it has been giving me a hard time since i have been trying to obtain a car so i can get to and from work. i am in a completely different financial situation since my college days and i believe it is unfair for them to still be reporting this old information that is not reflective of who i cam as an adult. I need this account removed IMMEDIATELY since it has been having an effect on my life for a very long time now and i am tired of it. please help me CFPB can not take this any longer.
Consumer complaint received 2023-03-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Hello CFPB team, I requested a copy of my credit report and asked the credit bureaus to do verification on everything in my report. The credit bureaus did the verification and said that everything was accurate. 

However, I did thorough research myself and I still see the inaccuracies on my credit report even after they did that research and verification. There are so many things that are wrong including the date opened on each account. Each date is different on each bureau! This is just one issue. You will see that there are several other inaccuracies. Please remove these accounts from my report. 

Please can you explain why these bureaus are being allowed to report these inaccuracies and the CFPB just keeps closing my complaints without looking at the incorrect items on my credit report? 

I looked up the Fair Credit Reporting Act and according to the FCRA I feel that the following companies have all violated my rights : XXXX. XXXX  XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXXXXXX XXXX XXXX. XXXX XXXX I have rights and here are the FCRA regulations : 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 : States a consumer reporting agency can not furnish an account without my written instructions. 

I am asking you to please review these four accounts and you will see that what I am saying is true. Please help me with this and enforce the law and investigate my complaint. The bureaus keep repeating the same response ; that they have checked and its correct. If they had checked they would see the discrepancies. It is just plain wrong information that they have been reporting. 

I need your help! Please enforce the law!
Consumer complaint received 2024-02-26
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CB1, Inc. (MT)

I requested a validation letter on XX/XX/XXXX from CB1 Collections for a medical debt owing around {$2000.00}. I never received the letter of validation for my debt, therefor not receiving a written validation and proof that this is my debt. I got a call today XX/XX/XXXX saying that I have medical debt to pay. I have requested another validation letter, but they did say that my account did accrue interest of an addition {$100.00} between now and then, despite not being able to provide written/documentation between that time.
Consumer complaint received 2024-02-26
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: FIFTH THIRD FINANCIAL CORPORATION (FL)

On XX/XX/2024 i was a victim of wire fraud i received a fraudulent email from some pretending to be XXXX XXXX XXXX. I was in the process of closing on a property. the sent information that was on my closing documents such as the person who was handling my closing and the amount needed to be sent to close. My bank XXXX XXXX made several attempts to reach out the the receiving bank but to no avail. This is the receiving bank information Fifth Third Bank XXXX XXXX XXXX. 
XXXX XXXX, Florida XXXX Account Name XXXX XXXX XXXX XXXX A/C routing # XXXX account # XXXX
Consumer complaint received 2023-03-01
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: EQUIFAX, INC. (LA)

EQUIFAX IS REFUSING TO REMOVE FRAUDULENT INFORMATION FROM MY CREDIT REPORT, EVEN AFTER I SUBMITTED PROOF OF FRAUDULENT INQUIRIES SUBMITTED.
Consumer complaint received 2023-01-19
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: W&A Intermediate Co., LLC (FL)

I have been requesting for this company to send me validation of debt to clarify everything about this alleged debt but not only they have failed to send me information, but they are also reporting false information to the credit bureau which is damaging my character. My information may have gotten to the hands of the wrong people and this may be the result of such an incident.
Consumer complaint received 2023-03-01
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. (KS)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-03-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MD)

This will continue to be reported on my credit report and affect my score. Also shows open accounts when not open and reports monthly. 
This has a huge impact on me and my future, can this be resolved and taken off my credit
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I initiated the Bofa autopayment process after carefully following the app 's demo instructions. The demo indicated that the necessary steps, including adding a payee, were completed, giving me the impression that everything was set up for my upcoming payment. To my surprise, my credit score dropped by XXXX points, citing a missed payment attributed to bofa. Upon investigating, I discovered that although I had added the payee as indicated in the demo, the payment had not gone through. 

Assuming that the autopayment system was reliable based on the completed demo, I unknowingly missed a payment, resulting in a negative impact on my credit score. This setback significantly affected my ability to secure financing for a car or home. Upon reaching out to bofa 's customer service, I was informed that additional steps were required to finalize the setup, which was not explicitly mentioned in the demo. The most frustrating aspect is that the demo falsely indicated the completion of all necessary steps, leading to customer confusion and missed payments. 

I have recorded the entire process and can provide a screen recording to illustrate the discrepancy between the demo 's completion status and the actual state of my auto payment setup.
Consumer complaint received 2023-03-07
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. (NJ)

In accordance with the Fair Credit Reporting act XXXX  Account XXXX, has violated my rights 15 U.S.C 1681 section 602A. 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 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 Please view attachment below
Consumer complaint received 2024-02-26
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (NJ)

XXXX I had discovered i had theftt/identity stolen my checking-saving accounts.The total amount was XXXX.The same day I notified Wells Fargo claims D.who documented claims.The claims D. advised me to close accounts.XXXX Went to wells fargo spoke to XXXX XXXX closed accounts.I said what about XXXX XXXX XXXX told it would be fine. XXXX fraud on my C.C. Called fraud dept. letters from Wells Fargo stating the transactions were from an online secure session by me or someone that had my authority. Nothing is secure or save. I have never used XXXX nor did i give authority.Since XXXX until XXXX have been denied. It amazes me that when i was back in the bank on XXXX i wanted my XXXX  removed I was told that it couldnt be by XXXX and XXXX but they could secure it.XXXX I received a letter from XXXX denied again but As of current im enrolled. I did not request!!! You want proof. My identity and info was stolenI cant even trust Wells Fargo to keep my money XXXX make money off of customers. Giving me the runaround. XXXXI have contacted FBI, CFPB, OCC, FTC local media.
Consumer complaint received 2024-02-26
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: EQUIFAX, INC. (NV)

XXXX is continuing to show that they hold all of my accounts with over {$60000.00} worth of loans, however, they were paid off by consolidation with XXXX in XXXX. I noticed that the loans reported by XXXX were duplicates and submitted a dispute through XXXX XX/XX/XXXX to have the accounts showing closed, however, XXXX reported there being no errors and the accounts continue to show open on my credit reports. 

My loans have since been forgiven through PSLF and XXXX has removed them from my credit report, but XXXX accounts still show. I submitted a 2nd dispute through XXXX to XXXX XX/XX/XXXX, and XXXX has yet again refused to update the status of my accounts. 

I called XXXX today, XX/XX/XXXX, and was told that the accounts will just " take some time '' to remove from my credit. There was no specific date or timeframe provided and no explanation. It makes no sense that XXXX would take 1-2 years to remove information from my account, yet XXXX was able to get everything removed within a few weeks of PSLF being forgiven.
Consumer complaint received 2024-02-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (CO)

On Sat XX/XX/XXXX I received a text message asking if made a purchase at XXXX Text yes or no I text back no I received a call from XXXX saying they were the fraud department I was asked to check my account for any other unauthorized transactions and was told he was doing a reversal of funds it didnt sound right so i hung up and called chime back while I was on the phone the same number was trying to call me back I filed a dispute and they said they are not going to return the funds I sent screen shots of the text messages and calls I missed that shows they hacked chime number and somehow hacked my account and transferred the funds to another chime account
Consumer complaint received 2024-02-26
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: FORD MOTOR CREDIT CO. (TX)

XX/XX/15 - XXXX XXXX, the car salesman for the company of XXXX XXXX stated that he could trade in my existing car for the new one. Then, her left me with XXXX XXXX who told me that I was qualified and to just drop the keys off for the old car. He said if my credit got messed up- and it would be for two to three years and I could pay their friend, {$400.00} to get my credit cleaned. I thought my credit was going to be bad because I just bought a car 6 months ago and I was buying another. This is the XXXX XXXX purchase I have ever done on my own. The guy mentioned I would be doing a voluntary surrender. When I left excited with my new car and told my family they made me realize that they didnt by my old car and they tricked me into getting my car repossessed so I tried to take the new car back and they said no. Then, they pretended to fire XXXX XXXX & the other guy but they still work there. Now they are refusing to see me. I am about to be late on a car payment because they tricked me and took advantage of me not knowing a lot about the world. I have been asking for them to make it right but all they keep doing is blaming it to other people. They encouraged me to have a repossession, they pretended to fire the associate that did it and they claim to have laid all the options on the table for me but they didnt. They convinced me they had bought the car at the end and I did not know the terminology of what they meant. XXXX  called me and apologized that I didnt understand but that does fix the issue.
Consumer complaint received 2023-03-09
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. (IL)

This is my 2nd endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$840.00} XXXX XXXXXXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$100.00XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX : {$0.00XXXX XXXX XXXXXXXX XXXX Balance : {$510.00} XXXX XXXX XXXX XXXXXXXX Balance : {$840.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$100.00} XXXX XXXX Balance : {$25000.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX  ) XXXX Balance : {$50.00} XXXX XXXX XXXXXXXX Balance : {$20.00} XXXX XXXX XXXX XXXXXXXX Balance : {$840.00XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$1900.00} XXXX XXXX XXXX Balance : {$100.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$50.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-22
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY (PA)

On XX/XX/XXXX and XX/XX/XXXX I applied for both a XXXX XXXX American Express card and a Platinum personal American Express card at which both were denied. I called customer service and spoke with an agent named Amid who stated the reason for the denial was because of information pulled from " XXXX '' a credit reporting agency. I advised him of USC Codes but still Amid refused. 

15 USC 1681 ( a ) IN GENERAL Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.

( 2 ) In accordance with the written instructions of the consumer to whom it relates. 


( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. 

I WAS DISCRIMINATED AGAINST because of third party information. AS MY DEBTS ARE PAID.