davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-01-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BARCLAYS BANK DELAWARE (NE)

Last XXXX ( 2019 ) I flew from XXXX to Texas on Frontier. The stewardess made an announcement regarding the Frontier credit card. She promised a certain amount of bonus miles as well as promising that the annual fee of {$79.00} would be credited back to the account if a certain amount were charged to the card within ( I think ) the first 30 days. She passed out the applications, I verified with her the promotional agreement re bonus miles and fee. I received the card and used it immediately, satisfying the terms she stipulated. 

When I received my first statement, my charges AND the annual fee were pending. I called Barclays who claimed to know NOTHING about such a deal. The representative I spoke with suggested I wait until the next statement to see if the annual fee were credited back to me then. It wasnt. So I called again only to be told they couldn't do anything for me, that it was Frontier 's responsibility. At one point I was told that if I had only called within 60 days, they could have closed the account and refunded the annual fee. My original call was within 60 days. I paid off my charges and the interest on said charges, contacted Barclay again to close my account and notify them that I was disputing the annual fee only to receive a statement the following month with a late fee. Once a dispute is made to an account, it is standard procedure to freeze the balance there and send a report to the credit-reporting agency of delinquency. So I contacted them again. Their plan is to continue to add a late fee each month. 

I also called Frontier customer who referred the situation back to Barclays because  they were the bank. They intimated/stated that I had misunderstood the stewardess. I am neither unintelligent nor hard of hearing. Besides, I verified that specific information with the stewardess before disembarking. 



Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NE XXXX XXXX Acct. # XXXX XXXX XXXX XXXX SS # ending in XXXX
Consumer complaint received 2023-02-03
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: TD BANK US HOLDING COMPANY (PA)

It has been 6 months that I am trying to get access to my Line of Credit. Multiple Multiple trips to different bank locations, over 10 online requests to have my access restored again. 
I DONT access to online banking I DONT receive statement in the mail. 
I DONT know what interest rate is I DONT know anything about this loan just paying what bank teller will say every month. 

, TD Bank Blocked me to have Online access and same time increased my monthly payments ( changes APR most likely ) I want to know what is going on ( online access ) and I want TD Bank to go back to our loan agreement .Same APR same monthly payments This is our second complaint with TD Bank about this problem. CFPB Case ID XXXX I got a response from TD Bank XXXX Obligor to contact TD Bank at the contact information number and email provided at the bottom of the letter. 
Email returns as Address not found Phone number it will ring and will say voice mail is full. At this point I don't know what to make of this.
Consumer complaint received 2022-02-25
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: Experian Information Solutions Inc. (TX)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file. I am filing this for myself and not anyone else.
Consumer complaint received 2023-02-03
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (NV)

CHIME Mobile BANK ACCOUNT - otherwise known as XXXX XXXX Account Number Ending in XXXX Claim ID : XXXX Unauthorized Transfer Reported XXXX Claim Amount {$1200.00} I have reopened this claim multiple times, as I DID NOT INITIATE this transaction. I do not know who this person " XXXX '' that took {$1200.00} from my bank account. In America, this is defined as FRAUD, I received this information from my attorney : Transactions not made by you or anyone authorized to use your account are fraudulent, and federal law protects your money. Banks must refund you!
Consumer complaint received 2020-01-17
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. (NJ)

AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY ON ONES CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.
Consumer complaint received 2024-03-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to formally dispute several inaccurate items on my TransUnion credit report, as is my right under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 

The items I am disputing are not only inaccurate but also the result of identity theft, as evidenced by the extended fraud alert on my credit report. 

Disputed Items XXXX XXXX Account # XXXX : The four late payments reported in XXXX, XXXX, XXXX, and XX/XX/XXXX are inaccurate and must be deleted under the FCRA 's maximum possible accuracy standard, 15 U.S.C. 1681e ( b ).

The late payments are also obsolete information that should be excluded under 15 U.S.C. 1681c ( a ) ( 2 ) ( A ) ( i ) and the timing rules in TILA, 15 U.S.C. 1666b. 


XXXX XXXX XXXX Account # XXXX : The alleged late payment in XX/XX/XXXX is inaccurate and must be deleted under 15 U.S.C. 1681e ( b ).

This late payment is also obsolete information that should be excluded under 15 U.S.C. 1681c ( a ) ( 2 ) ( A ) ( i ) and TILA, 15 U.S.C. 1666b. 


Unauthorized Inquiries : The inquiries by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  were made without my consent and must be deleted as impermissible under 15 U.S.C. 1681b ( 2 ).

These inquiries are also the result of identity theft and must be blocked under 15 U.S.C. 1681c-2.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), TransUnion must conduct a reasonable reinvestigation of these disputes and delete the inaccurate information. I demand that TransUnion provide me with a detailed description of the verification procedure used, as required by 15 U.S.C. 1681i ( a ) ( 7 ). 

TransUnion 's failure to comply with these FCRA provisions constitutes a willful violation under 15 U.S.C. 1681n, entitling me to actual damages, statutory damages, punitive damages, costs, and attorney fees. Each violation allows for {$1000.00} in statutory damages.

I have suffered emotional distress, reputational harm, and lost credit opportunities as a result of TransUnion 's misconduct. I demand that TransUnion delete the inaccurate information within 5 business days and provide me with a copy of my updated credit report reflecting the deletions. 

Sincerely cc : Consumer Financial Protection Bureau Federal Trade Commission Illinois Attorney General
Consumer complaint received 2024-03-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to formally dispute several inaccurate items on my TransUnion credit report, as is my right under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

The items I am disputing are not only inaccurate but also the result of identity theft, as evidenced by the extended fraud alert on my credit report. 

Disputed Items : XXXX Account # XXXX : The four late payments reported in XXXX, XXXX, XXXX, and XX/XX/XXXX are inaccurate and must be deleted under the FCRA 's maximum possible accuracy standard, 15 U.S.C. 1681e ( b ). 

The late payments are also obsolete information that should be excluded under 15 U.S.C. 1681c ( a ) ( 2 ) ( A ) ( i ) and the timing rules in TILA, 15 U.S.C. 1666b. 


XXXX XXXX XXXX Account # XXXX : The alleged late payment in XX/XX/XXXX is inaccurate and must be deleted under 15 U.S.C. 1681e ( b ).

This late payment is also obsolete information that should be excluded under 15 U.S.C. 1681c ( a ) ( 2 ) ( A ) ( i ) and TILA, 15 U.S.C. 1666b. 


Unauthorized Inquiries : The inquiries by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX were made without my consent and must be deleted as impermissible under 15 U.S.C. 1681b ( 2 ).

These inquiries are also the result of identity theft and must be blocked under 15 U.S.C. 1681c-2.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), TransUnion must conduct a reasonable reinvestigation of these disputes and delete the inaccurate information. I demand that TransUnion provide me with a detailed description of the verification procedure used, as required by 15 U.S.C. 1681i ( a ) ( 7 ).
TransUnion 's failure to comply with these FCRA provisions constitutes a willful violation under 15 U.S.C. 1681n, entitling me to actual damages, statutory damages, punitive damages, costs, and attorney fees. Each violation allows for {$1000.00} in statutory damages.

I have suffered emotional distress, reputational harm, and lost credit opportunities as a result of TransUnion 's misconduct. I demand that TransUnion delete the inaccurate information within 5 business days and provide me with a copy of my updated credit report reflecting the deletions. 

Sincerely cc : Consumer Financial Protection Bureau Federal Trade Commission Illinois Attorney General
Consumer complaint received 2023-12-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NM)

It is my right to use the Fair Credit Reporting Act Law to protect my consumer report rights to privacy and confidentiality. 

XXXX XXXX XXXX XXXX XXXX XX/XX/2014 Account # XXXX My consumer rights were violated with incorrect reporting on this account. 

Consumer Law 15 U.S.C. 1681 Sec. 602 A. States my rights to privacy.

15 U.S.C. 1681 Sec. 604 A Sec. 2 : States that the consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C. 1681 c. ( a ) ( 5 ) 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 7 years.

15 U.S.C. 1681 s 2 ( A ) ( 1 ) A person SHALL NOT furnish ANT information relating to a consumer, ANY consumer reporting agency if the person KNOWS or has reasonable cause to believe the information is inaccurate.
Consumer complaint received 2023-12-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (SC)

There is XXXX XXXX account # XXXX show up on my credit report, I asked the credit bureau to verify the debt and send information on how they verified, still no responses. the debt is not mine, i never had a XXXX XXXX account. please help get this item removed.
Consumer complaint received 2020-01-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: AMERICAN EXPRESS COMPANY (VA)

Was told incorrect financial information about my account several times by customer service on a recorded line. They later admitted ( on another recorded line ) that they gave me incorrect financial information and were rude and unhelpful when I asked for a basic resolution.
Consumer complaint received 2024-06-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SANTANDER HOLDINGS USA, INC. (PA)

XXXX and XXXX keep reporting Chrysler Capital on my consumer report but the information is inaccurate. The car was in an accident and all the air bags deployed. Chrysler Capital keep reporting that it is active and saying a payment was made last year in XXXX which is also inaccurate. They keep falsifying saying the account is being paid on so they can keep reporting it. This account should be closed. I have sent pictures of the car and my report to XXXX twice before showing proof of inaccuracies but they still put it on my report and I asked for an investigation and proof that I'm making payments but I never heard back.
Consumer complaint received 2020-03-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX, TRANSUNION AND XXXX  HAS ACCOUNTS AND INFORMATION ON MY CREDIT REPORT. THATS INACCURATE/NOT MINE
Consumer complaint received 2022-02-25
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: Experian Information Solutions Inc. (MS)

I have sent letters to Experian and XXXX about these false negative accounts on my credit report last XX/XX/2022. They sent my documents and letters on my behalf, and it was determined that the credit furnisher was verified.These report is misleading and suspicious. Below are the federal law violations that these companies are committing! If this doesn't get resolved I will seek litigation, and charge {$1000.00} per violation. 

However All XXXX penalty of perjury, I swear this account is false and misleading XXXX XXXX XXXX. XXXX ( XXXX ) Method of verification this account is in violation it was reported without valid evidence Under XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX XXXX ( XXXX ) this account in violation not reporting XXXX XXXX accurate. 
Unauthorized/Erroneous Account RESULT OF XXXX XXXX XXXX XXXX Direct Violation of The XXXX Reporting falsely Under XXXX XXXX XXXX  XXXX ( XXXX ) ( XXXX ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. 
Contacted Creditor/Agency asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me. 
Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. XXXX XXXX XXXX
Consumer complaint received 2023-02-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UMB FINANCIAL CORPORATION (FL)

I have a cash management account with XXXX XXXX. UMB Bank NA administers the account for XXXX. The routing number for the account is that of UMB Bank, but XXXX is the front for the account. XXXX is placing holds on my EFT deposits without providing fund availability notices. Most recently, they placed a 5 business day hold on an {$8000.00} EFT deposited on XX/XX/23. Had I not looked at the account and noticed the hold on XX/XX/23, most likely I would have had as string of payments being returned for insufficient funds. Note that I am a longstanding Fidelity client, and I have had numerous EFT transfers in the past. There is really no business reason for a 5 day business hold to begin with especially for an EFT, but at a minimum either UMB Bank or XXXX needs to disclose the hold. I believe that they are in violation of Federal law for failing to disclose these holds.
Consumer complaint received 2023-01-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2020-01-17
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 — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION (KY)

I have been going through the worst financial crisis that I could have ever imagined! XXXX  data breach along with XXXX and Capital ones and while since XX/XX/2018  Ive been personally trying to salvage my name from the ruins these companies continue to ask me to jump through hoops per their requests and Im not doing so well to do as requested. I have lost my credit card from capital one without reason and the lies that have been alleged in that circumstance is easy to prove and I have begged pleaded and bartered to submit my findings to collaborate. XXXX  hold Americans information and solicits it to gain in their own pocket while shaming our names and then asks us to do our own homework in order to be compensated as well as XXXX! I am on XXXX for XXXX  XXXX  and hi risk for XXXX XXXX and this is not good on my XXXX and yet ppl do not seem to understand the severity of these corporations. I have been in touch with these companies massively and yet nothing is being resolved and like can care less that they are the cause. People do not deserve this kinda treatment and I definitely do not because I havent done nothing to anyone. I have done my very best to maintain an adult behavior. I think that Mr XXXX at Capital one should be ashamed of his lack of concern for the consumer being neglected by his staff on his watch. I have emailed him several times with no reply. Rude! These other two companies leaking data seems to have tarnished my every possible chance of getting my equal and fair chance to getting credit and its caused me hardship. I feel as if Ill never rebound and wish I had a voice to just tell the world that this type of behavior from these corporations seems as loud and they fear no punishment as Ive seen for several months now.
Consumer complaint received 2020-01-17
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO. (FL)

For the last year I have attempted to modify the mortgage on ( 20 ) twenty different times with Chase Bank with no resolution. Chase Bank has denied my Application 20 times. I want to stay in my home. I am frustrated with Chase Bank. I want to resolve this issue Chase Bank is not working with me to rectify my mortgage issues.
Consumer complaint received 2020-01-16
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Flagstar Bank, N.A. (VA)

1 ) The mortgage servicer FlagStar Bank has failed to accept and permit the submission and review for Mortgage Assistance to XXXX XXXX XXXX and XXXX XXXX XXXX. Mr. & Mrs. XXXX were denied a modification in XX/XX/XXXX. However, the reason for denial, being the lack of 4 payments within the 1st 12 months of origination was accepted by the note holder/mortgage insurer FHA. 

2 ) FHA whom insures the mortgage agreed to provide an exception based for the XXXX mortgage, so that a modification could be provided. However, FlagStar Bank did not follow up on appeal process provided by the XXXX. FlagStar also neglected to follow through with FHA/HUD and honor the exception provided ; so that modification can be obtained. 

3 ) FlagStar Bank improperly started the foreclosure process prior to the customers, XXXX XXXX XXXX and XXXX XXXX XXXX being 120 days delinquent. Federal Law requires a 120-day Pre-foreclosure period by CFPB mortgage assistance guidelines, ( per 12 CFR 1024.31 ) The promissory note or any other loan contract does not contain a due-on-sale provision, thus 120-day rule is in effect.

4 ) FlagStar Banks behavior constitutes dual tracking, based on the process starting before the 120-day delinquency period and FlagStar Bank representatives stated that file would be reviewed for mortgage assistance programs and exception provided by FHA/HUD would be honored ; however instead a sale date was entered into the system for XX/XX/XXXX.

5 ) FlagStar Bank did not review application instead FlagStar Bank ignored submission that was received 45 days before sale date ; and entered a new sale date of XX/XX/XXXX.
Consumer complaint received 2020-01-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (CA)

I have been banking with Wells Fargo Bank for a long time. I have XXXX by Wells Fargo checking account. My balance in the checking account have been above {$5000.00} constantly. My understanding is that daily balance {$5000.00} or above earns 0.05 % interest rate and below earns 0.01 %. It had been like that for a while ( more than a couple years ). All of a sudden, in XX/XX/XXXX the interest rate I earned changed ( to 0.03 % ) and in XX/XX/XXXX it went down to 0.01 %. I wonder that the bank might have changed its interest rates. I searched online and called Wells Fargo. The lady I talked to showed me where online I can find the information. I found that the rates for the XXXX by Wells Fargo checking stay same as before - 0.05 % for {$5000.00} or above balances. My question is why the bank only credited me 0.01 % even though my daily balances have been above {$5000.00}. I asked whether the bank changed the interest rates only in the months of XXXX and XX/XX/XXXX and changed them back as of today ( XX/XX/XXXX ). The lady I talked to could not confirm and kept saying the bank has the right to change interest rates as the rates are variable. I suspect that the bank makes a mistake and requested the bank make a further research. She refused and hanged up.