davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-06-17
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (VA)

I closed my Chase checking account online on XX/XX/19 via Chase 's secure messaging system, and requested to have the remaining balance sent to me by check for the amount of approximately, {$2100.00}. I was told the check would be sent out within seven business days. I never received the check and recontacted Chase via their secure message system on XX/XX/2019 to inquire on the status of my check. I was told again it would take seven business days until a check would be sent out to me, which I responded that I had already waited well past seven business days. I was then told the next day that I needed to physically go into a Chase branch to fill out a for for Declaration of Lost, Stolen, or Destroyed Cashier 's Check, and have it notarized. I initially refused because my work schedule does not allow me to easily go to any of Chase 's branches. However, I relented after a few days, due to the stress this situation was causing. After going into the XXXX, Virginia Chase branch on XX/XX/19, I waited for service for about an hour before finally speaking with a representative whose name was XXXX XXXX. XXXX told me I would have to fill out the form, and that I would be able to get a new check that day in the branch. However, after filling out all of the paperwork, I was then told that I could not actually receive a check that day, because I had cancelled the account online, and not in a physical store. This seemed absurd to me since I was physically in a Chase bank, and Chase should be able to cancel their own checks, and write their own checks, or so I thought. Regardless, I left after being told I would have my check overnighted to me most likely by Tuesday ( XX/XX/19 ), and that someone would contact me on Monday ( XX/XX/19) - neither of these things happened. Additionally, I contacted XXXX using the business card she gave me on my trip into the branch on the following Saturday (XX/XX/19 ). Her coworker answered her phone and told me she would be busy all day and would not be able to contact me until Monday. I asked XXXX 's coworked if she could inquire about my check, to which I was told she could not, and that I would have to wait until Monday. At this point, I am very concerned that I will not be receiving my funds, which I have been waiting for for nearly a month since closing my account. I don't know if the incompetency of Chase 's checking/mailing system is something that can be fixed, but I am contemplating getting a lawyer if I do not receive my check by the end of this week. I have spent hours on the phone, writing emails, going into Chase 's branch, etc, all for the purpose of trying to get my money back. This is completely unacceptable and I don't know where else to turn from here.
Consumer complaint received 2020-02-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

Tried to access my 3 bureaus and they will not show me my report. They mask it all and just want to sell you garbage. Such fraud, my gosh why is this allowed? I just want my reports and dispute the wrong stuff. I don't have the time or patience to make a career out of getting this done!!!!!! Such fraud and illegal activity ... ..and illegal reporting as always and refusing to delete the wrong stuff. What else is new? 


No phone but they think they can require one to get my report ... .my gosh ... .. they will not give a report unless I give them a bunch of personal info. that's none of their business!!!! ... ..and I don't have it ... .good grief, why does it take this extent for this? Such fraud ... .and it's MY information they never even got my permission to gather and disseminate ... .and it's wrong info. to boot ... ..
Consumer complaint received 2020-02-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (UT)

Tried to access my 3 bureaus and they will not show me my report. They mask it all and just want to sell you garbage. Such fraud, my gosh why is this allowed? I just want my reports and dispute the wrong stuff. I don't have the time or patience to make a career out of getting this done!!!!!! Such fraud and illegal activity ... ..and illegal reporting as always and refusing to delete the wrong stuff. What else is new?

No phone but they think they can require one to get my report ... .my gosh ... .. they will not give a report unless I give them a bunch of personal info. that's none of their business!!!! ... ..and I don't have it ... .good grief, why does it take this extent for this? Such fraud ... .and it's MY information they never even got my permission to gather and disseminate ... .and it's wrong info. to boot ... ..
Consumer complaint received 2020-02-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: ID Analytics, Inc. (LA)

I am requesting a freeze be placed of my XXXX XXXX, XXXX Sage Stream file please send me a pin of security number to protect my file and credit information.This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Credit Report Act, you are required to comply.. My information is clearly shown below : After this credit freeze has been filed, please forward me a written copy of my full report to the address I have confirmed above. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX SS : XXXX DOB : XXXX
Consumer complaint received 2022-09-23
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (OK)

We had a wire transfer not authorized by for XXXX twice on XXXX Bank then closed all of our accounts checking, savings, credit cards & debit cards. They would not let us access our accounts because of wire transfer fraud. We have banked at this Bank for 43 years. We have all of our money in this bank USSA no access to our money. We dont have any money to pay our bills and buy groceries. We dont want to be hit with a lot of overdraft charges for something we did not cause. Need to just get enough money out to pay our bill, House, Car etc
Consumer complaint received 2020-02-13
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. (LA)

Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required un-der the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who veri-fied these accounts?

You have NOT provided me a copy of ANY original documentation required under Sec-tion 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

DEPT OF ED/XXXX Account Number XXXX DEPT OF ED/XXXX Account Number XXXX DEPT OF ED/XXXX Account Number XXXX DEPT OF ED/XXXX Account Number XXXX DEPT OF ED/XXXX # XXXX DEPT OF  ED/XXXX # XXXX XXXX  # XXXX XXXX  # XXXX Also I have received a statement claiming that I owe a debt to XXXX # XXXX and that some 3rd party collection company was handling the account when the alleged company never verified this account. Since this is an error, I demand that you send me the following proofs. As you are obligated to do in accordance with the Fair Debt Collection Practice Act. Section 1692 ( g ) : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; XXXX. ) Original date of default and collection activity begin. 

I AM A XXXX AND THIS FRAUD IS HOLDING BACK FROM CONDUTING BUSINESS TRACTIONS.
Consumer complaint received 2023-08-13
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Bureau Systems, Inc., Paducah, KY Branch (TN)

CREDIT BUREAU SYSTEMS ( original creditor XXXX CA XXXX XXXX XXXX ) This has been on my credit report since 2018 and is completely false. XXXX XXXX sent me a bill for over {$1000.00} when I moved out of the townhome I rented from them. There were no major damages, anything minor should have easily been taken care of out of my deposit. Since then, somehow the amount they are reporting has more than tripled. Not only should this be taken off of my credit report, XXXX XXXX should be held liable for damages for the negative impact on my credit for bogus charges. They have used an abuse of authority to send trumped up bills for damage that was not done while I was a resident there.
Consumer complaint received 2022-03-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I have Disputed a Collections account that is incorrect and was supposed to be deleted off my credit report, TransUnion is the only still reporting this debt. I disputed and I sent a letter for XXXX of this dispute and to send me information on how this was determined verified as accurate. I have not received such information from TransUnion, I received a letter stating that the account is accurate and they did not have to reinvestigate, I did not receive any information I have requested for from TransUnion. I will attach the following document I sent without my person information on there.
Consumer complaint received 2020-02-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: DISCOVER BANK (TX)

I submitted a complaint to CFPB, Discover along with credit reporting agencies. The company responded to the complaint but never addressed the issue. I presented feedback after the complaint. Discover continues to report my account paid/charge off. This ACCOUNT WAS NEVER A CHARGE OFF! This was a secured SECURED credit card. I reported lost and stolen. The company continued to charge late fees. Is it customary to continue to charge late fees passed the secured amount knowing its a secured card. Is it customary to not close the account when reported lost, they never sent me another card! Im requesting validation after it was reported lost that they sent out another card. If they did send another card then why did they continue to charge late fees? I paid the full amount because it was on the credit. This is so minor if an issue. I paid the account knowing that one of their employees didnt complete the cancel on the card! However, they still cant provide evidence they even sent me another card. Its A SECURED CARD I PAID! Provide validation that they sent a new card if my account was still open. Provide validation that I used the card after reported.
Consumer complaint received 2020-02-13
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: AMERICAN EXPRESS COMPANY (NJ)

American express promote {$150.00} bonus for {$1000.00} spending. 

Blue cash everyday card from American express. 

Amex claims there's no such bonus for existing customer. There was no alert/ popup during card application. 

this is mass fraud. 

I want CFPB to take a deeper look into Amex recent complaints.
Consumer complaint received 2018-07-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: HYUNDAI CAPITAL AMERICA (GA)

I have a loan with XXXX XXXX XXXX XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and XXXX XXXX XXXX XXXX with no successful resolution. XXXX was the only one reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX-XX/XX/XXXX, XX/XX/XXXX / XX/XX/XXXX-XX/XX/XXXX.
Consumer complaint received 2020-02-13
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: ONEMAIN FINANCE CORPORATION (NJ)

Hello CFPB Complaints Team, It was brought to my attention the disadvantage One Main Financials have created. 

Due to medical hardship and direct family obligations, I had to take a personal loan from One Main starting  XX/XX/2017. Whenever unable to make ends meet by paying other financial obligations for relatives, I would contact One Main. 

Currently I have a 60 month plan - paying $ XXXX/month. 

This totals to = {$18000.00}. 

As reported on my credit report the principal of {$9400.00} is projected to equal or meet the finance charge assed by maturity. ( {$8900.00} ) Why is there a company compounding interest in such a matter? The debt to income crisis will continue under such leadership.

Ive tried to refinance with One Main recently in hopes of lower my monthly income. Instead they offered another withdrawal. 

Currently have not missed a payment since 2017 and paid close to the full principle. There is immense pressure to cover these inflated expenses.
Consumer complaint received 2022-07-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc. (CA)

I am unable to make a payment on my Wayfair/ Comenity Bank Credit card. Comenity closed my account about 3 years ago and I have no idea why. I have been making on time payments ever since. I have never missed a payment or been late. On one recorded line, a message gives me my balance and credit limit and states what my payment amount is, but then the phone is disconnected and I am unable to make a payment. On another recorded message, it says my account is closed and I will have to speak with a customer service agent. However their offices are closed. Their phone lines are down, their online customer support is down. I cant send a payment by mail, because a recorded message said there are no employees to receive the payments. I have spent hours of time trying to reach someone so that I can make a payment on my account.
Consumer complaint received 2022-07-05
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. (TN)

I've recently pulled my credit report and noticed some unauthorized inquires reporting to my credit report. I need these inquires removed at once because due to FCRA anything reporting to my credit that is not accurate must be removed at once. The inquiries are listed in the letters attached below about the unauthorized inquires to each bureau. I do not won't to file for litigation but will if necessary. Thanks for your help with this effort.
Consumer complaint received 2021-04-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have mailed TransUnion a dispute letter on ( XX/XX/2021 ) regarding some inaccurate/ incomplete/ unverified data that is being furnished on my credit report, they have failed to respond with in 30 days and I sent out a second letter on ( XX/XX/2021 ) stating they have ignored my previous request. they have not yet responded
Consumer complaint received 2022-07-05
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. (TN)

I've recently pulled my credit report and noticed some unauthorized inquires reporting to my credit report. I need these inquires removed at once because due to FCRA anything reporting to my credit that is not accurate must be removed at once. The inquiries are listed in the letters attached below about the unauthorized inquires to each bureau. I do not won't to file for litigation but will if necessary. Thanks for your help with this effort.
Consumer complaint received 2018-07-03
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. (SC)

0n XX/XX/2018 I sent a letter to Equifax after their security breach and cover-up. In that letter I disputed multiple unverified, inaccurate and incorrect accounts being reported on my credit report. I sent the disputes via certified mail. The dispute was received by Equifax on XX/XX/2018. I received nothing but a copy of my credit report which did not properly verify the disputed accounts per the Fair Credit Reporting Act, 15 U.S.C. 1681, but was also postmarked on XX/XX/2018 which exceeded the 30 days required. I sent a follow up letter to Equifax explaining they did not properly verify any of the disputed accounts and also missed the 30 day response time. I requested they remove all of the disputed accounts which was required by law. I included a copy of the original dispute letter along with copies of the USPS receipts showing the dates they received the disputes and a copy of their response which was postmarked past the 30 day cutoff period. In response Equifax sent back nothing but another computer automated copy of a credit report with no changes. Equifax continues to show no regard for the victims of their criminal, unethical business practices and still refuses to abide by the law,
Consumer complaint received 2016-03-31
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (NH)

I have had multiple credit accounts closed on me, despite good history and payment terms as agreed because of false an or erroneous information on both my Equifax and XXXX credit agency reporting. The adverse or negative accounts I have reported to you and a few have been removed already but not reflection in my score. 

Meanwhile my credit score took a huge dive from XXXX plus to XXXX as a result of the " false '' and.or " inaccurate '' information. XXXX XXXX has closed every single credit card I had with them that had a XXXX balance despite not one being late for failure to pay. Credit lines I do have with XXXX were reduced to exactly what I owe. THIS IS WRONG! XXXX XXXX closed me today, again I had a XXXX balance and was in good standing with them. XXXX XXXX &.
Consumer complaint received 2019-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CORELOGIC INC (OH)

My name is XXXX XXXX XXXX my address is XXXX XXXX XXXX XXXX, OH XXXX my SS is XXXX my DOB XXXX. I AM REQUESTING A BLOCK /FREEZE! I have had issues with unknown addresses and I have addresses on my credit the are not mine please delete the following : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX
Consumer complaint received 2022-02-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2020-02-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (NJ)

I sent letters four different time to these companies and credit bureaus. and everyone is sending letters back stating verified. I ask for copies of documents and I receive no response. I never applied for a car loan.
Consumer complaint received 2020-02-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I sent letters four different time to these companies and credit bureaus. and everyone is sending letters back stating verified. I ask for copies of documents and I receive no response. I never applied for a car loan.
Consumer complaint received 2020-02-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (AZ)

Usaa is holding my funds instead of crediting my account. A check from a 401k withdrawal was electronically deposited because USAA does not have regular branches in Arizona. The check was deposited on XX/XX/2020 and I called on XX/XX/2020 and asked why I didnt have my money. They said they were holding it for a week. What? This is crazy no bank holds a legitimate check issued by XXXX  floor a week. I feel Im being targeted by USAA. I should not be denied my money.
Consumer complaint received 2019-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: ID Analytics, Inc. (OH)

My name is XXXX XXXX XXXX my address is XXXX XXXX XXXX XXXX, OH XXXX my SS is XXXX my DOB XXXX. I AM REQUESTING A BLOCK /FREEZE! I have had issues with unknown addresses and I have addresses on my credit the are not mine please delete the following : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX
Consumer complaint received 2022-09-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX ) XXXX XXXX XXXX ( XXXX XXXX XXXX XXXXXXXX XXXX XXXX, has violated my rights 15 USC 1681 section 602 A , states that I have rights to privacy.

15 USC 1681 section 604 A section 2, it also states a consumer reporting agency can not furnish a account without written instruction.