davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-02-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (IA)

Summary of dispute : On XX/XX/2020, our Chase credit card was stolen while vacationing in XXXX, along with somehow learning our PIN, then within a few minutes, used by the thief for two cash advances totaling {$1400.00}. The theft was reported by telephone within 30 minutes of the theft to Chase, and again we spoke with another representative within an hour. On both occasions, the Chase representatives assured us that we would not be responsible for payment for the cash advances. 

Then, despite six attempts to resolve this issue with Chase via email and by submission of affidavits, Chase insists on holding us responsible for the two cash advances plus interest accrued. We also offered to negotiate a reduced payment, but again to no avail. 

CFPB, we appreciate any help that you may provide us. Regardless, we would like to prevent future Chase customers being treated in a manner that we feel is fraudulent and not compliant with federal financial protection law.
Consumer complaint received 2022-07-24
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)

I applied for a car from XXXX XXXX  on XX/XX/XXXX XXXX i was unsuccessful in purchasing the vehicle even though XXXX XXXXXXXX established that i have a XXXX credit score which I worked very hard to get. I accepted that I wouldnt get the car and moved on, after about a week I received a call from the dealership, which i missed. I instantly returned theyre call and i was informed that no one called me because the company is closed. i showed them proof of call that someone at their institution called. they denied and said theyre closed for the day. I suddenly decided to check my credit score only to see it lost XXXXpoints after I received a miss call from the same company i was not doing business with any more. i called them to ask why is my credit being run even though we arent conducting business anymore. I was transferred immediately and told me they do not know why. This was after theyd told me they were already closed and no one was available to talk. i have made several attempts to talk to some one in charge but they all had a nonchalant attitude so i then realized this company maliciously did this to hurt my credit score. They deliberately lied to me. They ran my credit over and over again without my permission. they did not have permission to run my credit because the conversation about getting a car was over and done with over a week back!
Consumer complaint received 2020-02-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: BARCLAYS BANK DELAWARE (CA)

Back in XXXX of XXXX, I filed a dispute about a fraudulent charge on my Barclays Arrival World Mastercard. After 4 MONTHS, I received a letter saying the dispute had been reversed, with back up documents consisting of 6 COMPLETELY BLACKED OUT PAGES. When I called about this, the dispute department investigated, apologized profusely, and said they would re-send legible notes. It took several more calls to get them to do so, and when they did, I found the documentation ( from the merchant, a hotel ) to be full of inaccuracies and misstatements. When I immediately called to tell them this, I was informed that the case was now closed due to the amount of time that had passed! 
After several attempts to reopen the dispute, I finally gave up. ( I ultimately got all my money back from the merchant myself, with no help from Barclays. ) Following this, beginning in XX/XX/XXXX, each of my monthly statements contained errors, necessitating numerous phone calls to customer service to correct them. On XX/XX/XXXX, agent " XXXX '' ( id # XXXX  ) told me my balance was " XXXX. '' On XX/XX/XXXX, I had an extremely lengthy conversation with " XXXX '' ( id # XXXX  ) during which we went over all my balances and payments over the preceding 4 months, and the end of which, it was determined that my final, total balance was {$630.00}. After confirming our conversation was being recorded, I had him reiterate the balance, and confirm that after payment, my balance would be XXXX, which he did. I immediately paid the final balance, and closed the account. 
Even though there were no outstanding charges on the account, I've continued to received statements with outstanding balances, necessitating further phone calls each month, to no avail. Finally, on XX/XX/XXXX, I spoke to XXXX XXXX, an Exectuvie Assistant Speicalist in the Office of the President. She said she would retrieve the recorded conversation from XX/XX/XXXX and get back to me. Instead I received a form letter, simply telling me that " all charges were legitimate. '' I was never able to speak to Ms. XXXX again, despite leaving numerous messages. On XX/XX/XXXX, I received a voice message from XXXX XXXX, asking me to call her back. However, she never left an extension, and I received no response to 3 separate voicemails left in the general mailbox. On XX/XX/XXXX, I received a voicemail from XXXX XXXX, who did leave an extension. To date, I have left MsXXXX XXXX a total of 4 voicemails. She has never returned any of them. 
I am still being charged monthly for this closed account, with ever-mounting late-fees and interest charges.
Consumer complaint received 2020-02-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

Report XXXX XXXX Name incorrect as posted by both of your incapable agencies! I do not have a XXXX [ which has been presented to Experian by an inept CFPB nor am I a XXXX-!
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MI)

I filed a complaint with the credit bureaus XX/XX/2023 and received no change in results of inaccurate information on the XXXX and XXXX accounts that keep appearing on my report Thee reinvestigation I received no change the fair credit act States in 15 U.S. CODE SECTION 1681 I ( 5 ) TREATMENT OF INACCURATE OR UNVERIFIABLE INFORMATION.

( A ) In general -if after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified the consumer reporting agency shall- ( I ) promptly delete that information from the file of the consumer, or modify that item of information as appropriate, based on the results of the reinvestigation and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Consumer complaint received 2022-03-04
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. (PA)

I am writing to dispute the following information that is on my report. I have contacted the companies XXXX, XXXX and Equifax to have the fraudulent items removed but I didnt get a response. I request that you change the incorrect things reporting on my report. 
Enclosed are copies of my credit report and other documents supporting my request. Please reinvestigate this matter and contact the national credit bureaus to have them delete the disputed items as soon as possible. 
Sincerely, XXXX XXXX Enclosures : Social, ID, Identity Theft report
Consumer complaint received 2020-02-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: ONEMAIN FINANCE CORPORATION (CA)

Getting too many credit companies trying to open things in my name and another person who is not myself ' name. 

I own a place that I rent to a tenant and I got several applications for credit cards in the name of XXXX XXXX. I believe this is a fraud and it will keep happening if not addressed. 

I have contacted the credit companies that are sending information to this address but want to let you know about this.These companies were XXXX XXXX, One Main Financial, and XXXX all w/ my address and XXXX XXXX 's name.
Consumer complaint received 2018-05-14
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: ALLY FINANCIAL INC. (CA)

To Whom It May Concern : I have noticed that you have placed an inquiry on my XXXX, XXXX credit file dated XX/XX/XXXX, XX/XX/XXXX,. As you probably know, Credit Reporting Agencies treat inquiries as a statement of fact and will not allow a consumer to dispute them. Since it is against federal law ( Fair Credit Reporting Act -- 15 USC 1681n ( a ) ( 1 ) ( B ) for an entity to view a consumers credit report without a " permissible purpose, '' I am writing to inquire as to your alleged purpose for doing so since I did not apply for employment with your organization nor did I request credit from your organization. 

[ I Was alerted through my credit monitoring service that you pulled a hard inquiry on my profile that i did not authorize. ] Based on the evidence in my possession, this inquiry was performed under false pretenses as described in the clear language of the law. 15 USC 1681n ( a ) ( 1 ) ( B ) states, in part, " in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; '' You are civilly liable to me in the amount of {$1000.00} for your willful violation of the law -- performing a " hard inquiry '' on my XXXX  and XXXX  file without my permission. I do hope that we can settle this matter amicably. You can remove the inquiry within one ( 1 ) business day of the receipt of this notice. Or, we can meet in court where you will end up removing the inquiry, paying me the civil liability fine, punitive damages for my score drop, plus court and attorney fees. The choice is up to you. 
Please contact me immediately at the address listed below. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX
Consumer complaint received 2018-05-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANCO POPULAR DE PUERTO RICO (CA)

I applied for XXXX XXXX XXXX XXXX XXXX XXXX.I was approved with the credit limit of XXXX $ .After several days I received email from Popular Credit Service Fraud Risk Control Department XXXX XXXX XXXX to call him.From that day I was trying to call that person and he never responded.He ignored me, my calls and my emails.Anyway I spoke to other reps, and they told me that they need from me the copy of my driver license and some utility bill to verify my address.I emailed everything the same day, which was aXX/XX/XXXX.After that I`ve tried to call several times.Everytime I was getting terrible customer service, no one was telling me anything, like I`m someone who`s doing something illegal.I don`t know if it was because of my accent or my last name, but I really felt discriminated.Anyway they told me that their investigation takes 3 weeks and it will end XX/XX/XXXX, and instruct me to call XX/XX/XXXX.I called XX/XX/XXXX and they again didn`t tell me anything.They told me I will receive a letter.In the mean time I received a bill from that credit card, and my due date was very close.Since I didn`t receive anything from them, and my account was locked, I called them again, and one representative told me that my account is closed.I was very frustrated, from the way every person talked to me. 
I don`t know in reality what`s going on, but everything is 100 legit and legal.I`m the owner of this card.I`ve send them everything what they asked.I was approved for XXXX $ because I have excellent credit history over 800 fico, great income and there is no reason to treat me like this and eventually close my account.I felt very disrespected and discriminated, by the way everyone talked to me and treated me.
Consumer complaint received 2018-05-14
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Bridgecrest Acceptance Corporation (NY)

I am so hurt and disgusted by XXXX/Bridgecrest. I was 28 days past due on my car loan payment and I intended to make a payment before the 30 days past due mark. I called in on the XX/XX/XXXX to make a payment but my phone call was interrupted by an incident in my home. The XX/XX/XXXX is when I became a victim of XXXX XXXX. I was XXXX and had to run from my home. I called in a few days later to make a payment and when I did, the representative said that there would not be a penalty other than a late fee but there would not be a late payment reported on my credit report due to this circumstance. A week later, I checked my credit report and a late payment was added to my account after I was already told that I wouldn't be penalized. I called in and asked why this happened and the 2nd representative told me that the 1st rep meant something different. The 1st rep was very clear in saying that if a payment was made the day that I made it, there would be no reporting of late payments to my credit report. The 2nd representative said that was a lie and refused to forward me to a manager. I FEEL LIKE I AM BEING PUNISHED FOR BEING A VICTIM OF XXXX XXXX. I also contacted them by way of email, explaining the situation and hoping I would get a call back and I didn't. I even offered to send the copy of my police report to them to show that it was not a made up story and they handled me terribly. Now this is hurting my credit and has severely lowered my score. I can not get an apartment or anywhere to stay due to my credit score dropping and it's affecting both me and my XXXX year old child who is also a victim in this situation.
Consumer complaint received 2018-12-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I have many incorrect inquiries on my credit report that I have never been affiliated with. Even some of the names and addresses on my report are wrong. I do not understand how these things are being tied to my name but i have nothing to do with this. 

XXXX XXXX  XXXX  -- -> XXXX  XXXX XXXX  XXXX XX/XX/2015 {$130.00}
Consumer complaint received 2022-03-04
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. (CA)

I am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint. I have completed the report and have attached my documents for proof of ID. I am deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of reciept of this report. Failure to do so is a violation of my rights.
Consumer complaint received 2020-02-03
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: Experian Information Solutions Inc. (OK)

XXXX XXXX XXXX I repeatedly disputed this account. The account was open XX/XX/XXXX. It recently closed XX/XX/XXXX but still have a remaining balance and also shows on my credit report which is Hindering me from moving forward. I would like this account to be removed as its out of statue of limitations. Remained negative balance is XXXX. They got their vehicle back and still wants me to pay. I have sent dispute laters trying to resolve for years
Consumer complaint received 2016-10-19
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I have received a letter stating that my Bank of America card was closed due to a pattern of late payments on accounts with other creditors and there are too many accounts with balances. I called Bank of America and was informed that I would be unable to open my account. This account has been in good standing with no late payments since early 2011. The credit card was used to it 's full limit and completely paid off on several occasions and is currently carrying a balance. Bank of America closed the account days after I made a payment of {$1000.00} against the card. I typically use the card for business expenses and am left far short due to their actions.
Consumer complaint received 2020-02-03
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. (GA)

XXXX  XXXX XX/XX/XXXX XXXX/XXXX  XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX   XXXX  XXXX  XX/XX/XXXX XXXX/XXXX  XXXX XXXX XX/XX/XXXX These are fraudulent inquiries that I cant get these companies or the credit bureau to remove.
Consumer complaint received 2020-02-03
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

Transunion is reporting late payments on 5 student loan accounts ( XXXX  ) from XX/XX/XXXX thru XX/XX/XXXX. However, the accounts were in deferment status during these dates. Evidence has been provided to Transunion, which disclose the terms of XXXX for deferment. The terms clearly state that deferment will start on the later of the " Deferment date requested '' or " date person is eligible for deferment ''. Note that the deferment date requested was XX/XX/XXXX and I have met criteria to be eligible for deferment due to economic hardship, my entire adult life, based on low income. See enclosed documentation as evidence. In addition, Transunion should be aware that the United States of America and the Consumer Financial Protection Bureau has sued XXXX  for violating the Fair Credit Reporting Act, which is public knowledge. This type of false reporting is exactly what is listed in the lawsuit.
Consumer complaint received 2022-06-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Medical Data Systems, Inc. (TN)

Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and FTC
Consumer complaint received 2018-05-14
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC. (LA)

I have two auto loans with Ally, since XX/XX/XXXX. One vehicle was stolen in XX/XX/XXXX. When it was found it had major damages.It yook Ally so long to corporate with the insurance co. I called for a payoff when I was told the vechicle was totaled, vehicle info was deleted from online also. The payoff that they gave me was less that what was paid to them by the insurance. I recieved a statement of a balance of {$2500.00} but when I called to find out why I still have a balance was told it is in review with a supervisor. I have called them at least ten times, was told it is in review eveytime I call. They call about the other loan payment at least 7-12 times a day even on Sundays this is so disgusting when I explained to them that I make online payments they want you to set up something by forcing you and they threaten you and say you do not want to corporate. I feel like this is harassment. They call from all kinds of numbers that doesn't show its coming from Ally. I can't take this anymore .But when I asked about the totaled vehicle they say you have to call the total loss department. I feel I have been mistreated and disrespected.
Consumer complaint received 2022-06-18
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. (NC)

In accordance with the Fair Credit Reporting Act 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.
Consumer complaint received 2022-06-18
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. (NC)

In accordance with the Fair Credit Reporting Act 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.
Consumer complaint received 2023-03-29
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (KY)

Paypal keeps using security as an excuse to not give me my funds. My funds came from my federal tax return, and fafsa refunds. I've been calling paypal since XX/XX/2023 trying to get my funds transferred into my bank account and everytime i call they have different excuses about why i can't access my money and why they've locked my account down. I've been calling everyday trying to get this resolved.