davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-15
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: JPMORGAN CHASE & CO. (NY)

XX/XX/XXXX XXXX*-Evaluate this reporting by making a revision on the information provided. Modify and perform any corrections or withdraw this from my personal file. 

JPMCB CARD XXXX -You are allowing an inaccurate history of this account to be reported. Please investigate, gather documentation proving accuracy, or delete this from my credit report.
Consumer complaint received 2022-07-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: Bread Financial Holdings, Inc. (NY)

I just reviewed my Comenity BJ 's My Perks MasterCard recent transactioins and was astounded to see charges posted which were reportedly made in XXXX OH. I have never been in XXXX OH, and it is very disturbing that Comenity BJ 's My Perks MasterCard 's " updated '' system continues to malfunction which such sensitive financial data as in person chip enabled transactions. Please review the attached pending transaction attachment. I did make corresponding charges using this card at a BJ 's in XXXX XXXX NY, and then at a BJ 's in XXXX, NY but I have never been in XXXX OH. Please correct these transactions forthwith to reflect accurate financial data.
Consumer complaint received 2022-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IL)

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 U S DEPT OF EDXXXX U S DEPT OF EDXXXX U S DEPT OF EDXXXX XXXX
Consumer complaint received 2021-07-21
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. (MO)

Back in XXXX I went into XXXX XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX, XXXX Mo XXXX to purchase a car at this time they received my information ( SSN # ). Fast forward to XXXX I received an email stating my credit report was ran by XXXX XXXX XXXX XXXX on XXXX XXXX. I have not been to this dealership nor inquired on any services from this dealership since XXXX. I contacted the dealership and spoke with the manager where I was informed my information was still on file and my credit was ran by mistake. The manager also notified they would send a letter to the credit agencies to correct their mistake.
Consumer complaint received 2022-07-07
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)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2017-06-01
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: CITIBANK, N.A. (TX)

Citibank refuses to give me my Rewards benefits earned from the charges they expect me to pay even though i cancelled my card.
<P/>
Rewards benefits are not calculated by citibank until one or two billing cycles after the charges are incurred -- so it 's impossible for a consumer to ever cancel and be current on the rewards. citibank online chat says, in effect, " tough luck, our policy is to keep all the rewards after you cancel. ''
Consumer complaint received 2022-07-01
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. (FL)

I need all inquiries remove off my consumer credit report because I am aware without my lawful consent a comsumer reporting agency may not give out information about myself to your employer without my written consent.If you can provide me with proof of me giving my lawful consent or written notice, but if you can not I need you to remove all inquires immediately or I will send a written notice to the CEO which is XXXX XXXX and the CFO which is XXXX XXXX so we all can be aware of this negative information and need to remove off my consumer credit report.I am aware XXXX and Equifax should be able to provide me with proof of my lawful consent to report negative information without my consent I need all inquires remove from my consumer credit report before send a written notice to the CEO and CFO of XXXX which is XXXX XXXX and XXXX XXXX and also the CEO of Equifax which is XXXX XXXX and the XXXX XXXX XXXX XXXX that everybody is aware and would be tied into RICO charge and Racketeering.
Consumer complaint received 2022-07-07
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: National Credit Systems,Inc. (IL)

Due to the hardship of covid and losing a job we fell behind on rental payments. We did get assistance but not for full amount needed due to an error on property management not putting correct amount needed for assistance. We now have a collection for {$12000.00} which is showing on XXXX, XXXX, and XXXX. The original creditor is The XXXX  At XXXX, and the collector is : National Credit Systems {$12000.00} Account number : XXXX I have let them know that covid was a factor in this but still nothing. This account is causing undue hardship in being able to find proper housing as it remains on credit report.
Consumer complaint received 2022-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (SC)

In accordance with the fair credit Reporting act XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX  Account # XXXXXXXX XXXX XXXX XXXX Account # XXXX-XXXXXXXXXXXXXX, XXXX XXXX XXXX  Account # XXXX-XXXXXXXXXXXXXX, XXXX XXXX  XXXX Account XXXX XXXXXXXX XXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX  XXXX Account # XXXXXXXXXXXXXXXXX, XXXX XXXX Account # XXXX, XXXXXXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 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.
Consumer complaint received 2019-08-02
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: U.S. BANCORP (CO)

I had charges on my bank debit card starting on XX/XX/2019 for a 5 day hotel stay that turned into a nightmare and fraud. I stayed only one night and have trying for months to get ahold of US bank to get the charges removed. They removed them initially then out them back on because my paperwork wasn't received in time. I have been contacting them for at least 2 months to resend the paperwork. Someone finally called me saying there is nothing they can do .unbelievable for a public bank. I even go into the public branches and they seem clueless how to help me get the form. In my opinion this is fraud. I get hung up on when I call their customer service or transferred to the wrong person.
Consumer complaint received 2017-07-03
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

About XXXX XXXX, 2017 I left XXXX with 1 XXXX dollars to invest in Bank of Americas Merril Edge in  XXXX XXXX, staffed by XXXX XXXX XXXX who vetted me for 2 hours with my administrator and her husband and informed me in 5 days he would move the XXXX XXXX to his bank. Well sir, it took this yo-yo and 8 ball 28 days to transfer 1 of the 2 accounts and then informed me that the other account could not be transferred. So, ask this bank to share with you all of the phone recordings that was advised on each call. I have spoken with 2 dozen employees of this bank with each one pitching a conciliatory solution to the woes XXXX has caused me. One employee called 5 times with the begging that I would drop any complaint on Bank of America for hiring XXXX. He wears clothes 4 sizes too small for himself, therefor my summation is he thinks he is cute. Well that is a big distraction for him and causing him to forget customer service and using XXXX untruths for sales. <P/>XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, FL XXXX XXXX XXXX
Consumer complaint received 2021-06-15
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: EQUIFAX, INC. (TX)

ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously
Consumer complaint received 2022-03-22
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Incorrect exchange rate — 
Company: U.S. BANCORP (MO)

On XX/XX/2022 we received a transfer of XXXX ( british pounds ) into our checking account at U.S. Bank. The transfer arrived between XXXX and XXXX Central time. 

The exchange rate from pounds to dollars on XX/XX/XXXX had a high of 1.3418 and a low of 1.3318. So we should have received between {$130000.00} and {$130000.00}. We received {$120000.00} or an exchange rate of about 1.2960. In our view, depending on the rate at actual exchange we are {$3500.00} to {$4500.00} short on this transaction.

So this equals a 2 % -3 % fee on top of the {$25.00} transaction fee that U.S. Bank charged us for this terrible exchange rate. 

I called the bank to complain and I was told that " the rates you see on financial websites aren't what you receive, those are what banks receive ''. I told this person that was not true as I exchange currency at other banks and venues within a few basis points of the exchange rate regularly. So they then explained that they don't actually exchange the currency, they use an intermediary bank and there is nothing that can be done. 

I submitted a complaint to the bank on XXXX via their website and someone responded on XXXX to say she would forward the complaint to the appropriate person but there was not guarantee I would receive a response and I never have. 

This exchange rate is borderline criminal.
Consumer complaint received 2023-06-25
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: TMX Finance LLC (AZ)

I am writing to bring to your attention a series of incidents involving TitleMax, which have resulted in multiple violations of the Equal Credit Opportunity Act ( ECOA ) and unfair loan practices. I would appreciate it if you could forward this complaint to the appropriate department for investigation and resolution. 

On XX/XX/XXXX, I took out an initial loan from TitleMax. At that time, I specifically requested a change in the due date to the XXXX of each month, as agreed upon with an in-store representative. However, despite this agreement, TitleMax failed to make the necessary adjustment, resulting in overpriced interest charges on the loan. 

In an attempt to rectify the situation, on an unspecified date, I made a larger payment of {$800.00} towards the loan. I explicitly requested that the remainder of the payment be applied to the principal balance. Regrettably, TitleMax disregarded my request and instead applied the payment as an additional interest payment, further exacerbating the financial burden imposed upon me. 

Recognizing the need for a change in the payment date, I contacted TitleMax on XX/XX/XXXX, requesting that the due date be shifted from the XXXX of each month to the XXXX. To my surprise, I was informed by a female representative at the store that I would need to refinance the loan to make this change. She directed me to go online to initiate the refinancing process. In compliance with her instructions, I made an additional payment of {$600.00} to complete the loan refinancing, expecting to achieve the desired due date change. Unfortunately, the result of this transaction was a due date set once again for the XXXX of each month. 

In an attempt to gain clarity and obtain copies of both the previous and new loan documents, I visited the TitleMax store on XX/XX/XXXX. To my dismay, the same female representative who had previously instructed me to refinance the loan denied my request for loan documents, preventing me from fully understanding the terms and conditions of my loans. 

These events have left me significantly disadvantaged, both financially and in terms of my rights as a borrower. I firmly believe that TitleMax 's actions constitute violations of the ECOA and unfair loan practices, as they have consistently failed to honor agreed-upon due date changes, misapplied payments to the detriment of principal reduction, and denied access to loan documents.
Consumer complaint received 2022-07-07
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. (NY)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2021-06-16
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. (KY)

THE FOLLOWING INQUIRIES ARE INQUIRIES THAT I DID NOT AUTHORIZE. THESE INQUIRIES HAVE IMPACTED MY CREDIT SCORE AND IN THE PAST YEAR I HAVE WORKED VERY HARD TO GET MY SCORE WHERE IT IS AT. 

UNAUTHORIZED CREDIT INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX- XX/XX/XXXX ( I ALREADY HAVE A XXXX XXXX CARD ) - XXXX XX/XX/XXXX XXXX I APPLIED AND WAS APPROVED FOR XXXX ON XX/XX/XXXX BUT THERE ARE 2 INQUIRIES ONE FOR XX/XX/XXXX WHICH WAS AUTHORIZED AND ONE ON XX/XX/XXXX WHICH WAS NOT AUTHORIZED ) - XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX 2021
Consumer complaint received 2021-06-16
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: AXOS FINANCIAL, INC. (TX)

Three bank accounts have been fraudulently opened in my name on between XX/XX/2021 and XX/XX/2021. As soon as I discovered this, I called each bank and requested them close the account due to fraud. The initial bank, Axos, was opened in XX/XX/2021, I requested closured in XX/XX/2021. However, they did not close it until XX/XX/2021 when I followed up with an email requesting the account be closed, to remove any charges on the account and take steps to remove information from the account. I also asked that they send me a confirmation that I am not responsible for charges on this account. I received an email back stating the following : Account ( s ) were opened on XX/XX/2021 with the information you provided The account ( s ) were closed on XX/XX/2021. 

and A request to remove the inquiries from your credit report has been submitted However, they declined to " agree with the claim that there is or has been identity theft or fraud against the consumer listed above ''. They also did not confirm that I am not responsible for charges on the account. When alerted to the fraud, Axos did not immediately close the account. When further followed up on, they still will not confirm the fraud. 

XXXX XXXX  was the second bank where an account was opened. I contacted them to alert of the fraud, they opened a case and closed the account. Though I still continue to receive account information in the mail, including checks. 

XXXX XXXX XXXX XXXX was the third account fraudulently opened in my name on XX/XX/2021. I have alerted them of the fraud and asked them to close the account. I have been unable to reach anyone in the fraud department. 

Banks are required to confirm the identity of their customer and these banks failed to do so. They should have controls in place to recognize when the customer has not provided the required documentation and then immediately close the account.
Consumer complaint received 2021-06-15
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: STATE EMPLOYEES CREDIT UNION (NC)

I have been scammed out of my money when I was promise services I never received. I have contacted the back to tell them that services was never received and to mark the transaction as fraud. The have refused to do so. I had a verbal agreement for services from this so called XXXX  agency to promote my new business and this person con me out of XXXX $ I have all the evidence to show the agreement I have requested cash app cancel it they said no I have requested the funds back from the scammer as well and they declined now Id like my back to mark it as fraud especially they just sent me a letter saying that my card information was hacked so how is all this not fraud. This person is pretending to run an advertising company and its a lie this is fraud we had a verbal agreement
Consumer complaint received 2022-07-07
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. (MS)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.