davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (CO)

I paid XXXX with my Citi card for a purchase from a company called XXXX XXXX XXXX XXXX. This was on XX/XX/21. I asked repeatedly when my order would ship, they kept emailing me saying next month, next month, etc. ( I already purchased these products elsewhere, they are available from hundreds of retailers ). Clearly, they weren't sending anything and was a scam. Asked to cancel multiple times, they refused. I disputed this with CIti, they said it was a legit charge because I couldn't prove they didn't send anything. I have no idea how to do that? That's why I filed the dispute. A company took my money almost seven months ago, no product, no service, and no refund. 

Sadly, we were customers for 10+ years, tens of thousands spent through Citi XXXX never late on a bill once, not ever. And I had to cancel our account because they literally allowed a fraudulent company to steal {$35.00} from us. They did so willingly, and helpfully.,
Consumer complaint received 2021-12-04
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem with direct deposit
Company: Comerica (TX)

I started to use my XXXX XXXX debit card at the direction of my local social security office. I was not given any choice nor advice that I could use my bank to have the funds deposited directly to my account. This started around XXXX and upon trying to reach out to the company to get results and answers I was directed time and again to a robocall to resolve the issue. I have yet to receive my XXXX XXXX payment for XXXX. No notices were sent out. In fact, absolutely no communication from Comerica bank. I am a XXXX XXXX XXXX veteran who has served honorably and I feel that I deserve much better than this!
Consumer complaint received 2022-02-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

On XX/XX/2021 I sent a formal complaint and dispute letter notifying Experian of an inaccurate account showing on my credit file. Under FCRA section 609 Experian had 30 days to investigate and either verify and validate the account or remove it from my credit file. Experian has now exceeded and surpassed the designated time frame given under federal laws and FCRA guidelines. The account in question is as follows. ( XXXX XXXX XXXX )
Consumer complaint received 2021-12-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-10-29
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: HYUNDAI CAPITAL AMERICA (IL)

On or about XX/XX/2017, I purchased a car from XXXX  XXXX dealership, XXXX XXXX XXXX XXXX, XXXX XXXX Il XXXX and HYUNDAI Motor Finance, XXXX. XXXX XXXX, XXXX XXXX, CA XXXX was the Finance company. Because of hardship, XXXX, brining extra bills that XXXX care did not cover I felt behind in my payments by two months. Within that two months I started paying my car notes as normal, $ XXXXusually before it was due. I called and talked with the finance company after reading in my contract that I could extend the date in my contract if there was a problem therefore I called the finance company and ask for my contract to be extend my contract for last payment by two months. The young lady told me that I could do that if I double my payments for three ( 3 ) months, I told her that if I could do that I would not need to extend my contract date. The next bill I send the regular payment {$340.00}, plus two-hundred dollars ( {$200.00} ). I couldn't continue to do that it would put me behind in my medical, and utilities bills. Therefore I just send the regular bill of {$340.00}, every month, I receive Social Security and I'm on a budget, therefore I didn't have extra money. To honest I was going to pay Hyundai when the stimulus check from the government came, I'm still waiting and they're still playing while people are in desperate need. Under the laws as I'm too understand of Illinois, and UCC 9.506. as well as State RISA and MVISA statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhere.

also I never stop sending in the regular payments it was just the two payments and they could have extended my contract by two months. Being a senior the car was my transportation to shop for groceries, go to my doctor appointments, as well helping other seniors get to the doctor and the store church when it was open, no i didn't charge for gas because I felt God had bless me with a car and why not share with those who didn't have now I don't have.
Consumer complaint received 2020-10-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (OH)

There has been a bankruptcy on my credit report for two years. I have disputed it with the credit bureaus who advised me they received the information from XXXX XXXX. I then, disputed it with XXXX XXXX, who could not verify the bankruptcy and sent me a letter stating the removed it. I then sent the XXXX XXXX letter to the 3 credit bureaus and in return, only XXXX removed the bankruptcy from my credit report.
Consumer complaint received 2022-06-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (UT)

Showing late on my Equifax credit report as of XX/XX/22 please see image named Credit Report.jpg. This is incorrect.Tried starting a dispute on the Equifax website, but it isn't working. As you can see from attached documents this account was always in forbearance during this time. Please fix this. 
Thanks, XXXX
Consumer complaint received 2022-02-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

I sent dispute notices for multiple accounts to XXXX, equifax & XXXX in XXXX of 2021 after I received a reply back stating that all accounts were accurate I sent in proof showing that each accounts were reporting inaccurate information. I was the. Told that it was still accurate on XX/XX/XXXX I sent a request to the bureaus asking who and how each account was verified since this is my right as a consumer I was advised that they dont have to reinvestigate any dispute. I never asked them to reinvestigate I simply asked them to provide me with the name and number of the person or persons that validated that the accounts were accurately reporting. The credit bureaus have repeatedly ignored my request and will not remove these accounts that are inaccurate, this is hurting not only my credit score but it is hindering me from living the life I deserve.
Consumer complaint received 2021-12-21
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. (VA)

The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

I am requesting Credit Bureaus to investigate my accounts in question. Specifically, I dispute the following : The accuracy of the reported balance. 
The date of the last payment. 
The account status. 
I am requesting an investigation into the accuracy and completeness of the above data for the following accounts : XXXX XXXXXXXX : XXXX XXXX : XXXX
Consumer complaint received 2020-01-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (FL)

I had my fiance do my taxes last year, with XXXX XXXX, 2018. The funds were to be deposited in my checking account at Chase Bank, NA. I noticed the funds from my IRS return. were not being deposited to my account for a very long time. So, I went to the bank to find out about my return and they explained that they went into the wrong account as the account number was transposed by 2 numbers and the money was no longer in the other account the person took it. I was instructed to go to the IRS and get a indemnification letter so the bank could help me. I went to the IRS office and they told me that the lady at the bank had no idea what she is talking about the IRS does not give out indemnification letter. I went back to Chase Bank and they told me, " we are unable to help you '' .I am out over {$1400.00}. 

I did not know I could file a complaint as I told my mother in law the above situation and she said wait, you need to file a complaint. The bank has an obligation and security measures that need to be looked at it look like they have not complied. 

Thank you so much with your help in this matter.
Consumer complaint received 2021-12-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

XXXX XXXX XXXX XXXX. XXXX Complaint against Bank of America On XXXX XX/XX/2021, I deposited XXXX. by cashier 's check drawn on XXXX Bank to my Bank of America checking account. I have been a customer of Bank of America for over XXXX years and never bounced a check or missed a payment. 
Bank of America will not allow me to access my funds until XXXX XX/XX/2021. XXXX days after deposit. This time period is excessive in light of the facts and the banking regulations. It is common knowledge that these funds should have been made available in two days. 
I have lost business and investment opportunities as a result of Bank of America 's failure to clear my funds.
Consumer complaint received 2023-01-04
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: Experian Information Solutions Inc. (OH)

I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects.
Consumer complaint received 2024-04-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: P&B Capital Group, LLC (GA)

P & B CAPITAL GROUP LLC ANY CREDITOR FURNISHING INFORMATION TO A CREDIT REPORTING AGENCY MUST PROVIDE A SIGNED DISCLOSURE FORM FROM ME THE CONSUMER STATING THAT I THE CONSUMER GAVE THE CREDITOR PERMISSION TO REPORT. 
15 usc 6801 Protection of Non- Public Information P & B CAPITAL GROUP has violated my rights and failed to protect my information by sharing my personal information with 3rd parties without my consent. 

15 usc 6802 Obligation with respect to disclose personal Information. There are 3 disclosure forms that I have not received.

1. Financial Institution making me aware that they will disclose my information to a non-affiliated 3rd party 2. Institution giving me the opportunity before information is initially disclosed to direct that the information not be disclosed to a 3rd party 3. The financial institution giving me an explanation how to exercise the non-disclosure options 15 usc 6802 Disclosure of Institution Practice Policy P & B CAPITAL GROUP did not clearly and conspicuously provide the disclosure forms.
Consumer complaint received 2022-06-10
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)

Im submitting a complaint to you today to notify you that I was the victim of identity theft. I studied up on how to remove the fraudulent accounts from my file and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to delete these accounts listed on an id theft report. Please find the ATTACHED documents to assist in the withdrawing of the inaccurate pieces of information which were being posted to my report. 

Here is the list of accounts which do not belong to me or were opened without my authorization. 

XXXX OF XXXX XXXX XXXX : {$13000.00} ; XXXX CARD XXXX Balance : {$7400.00} ; XXXX XX/XX/XXXX XXXX Balance : {$25000.00} ; XXXX XXXX Balance : {$83000.00} ; XX/XX/XXXX( Original Creditor : XXXX XX/XX/XXXX) XXXX Balance : {$420.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2021-12-06
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE THIS ACCOUNT FROM MY CREDIT REPORT : XXXX  XXXX XXXX
Consumer complaint received 2020-01-31
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: SYNCHRONY FINANCIAL (TX)

Please note, this is a re-contact for XXXX. There is a credit card showing up on my report for JC Penney and is not mine. I am requesting deletion of this account, I have just come from XXXX and have no idea who this account is or how I am associated with this. If you would like me to file a report with the XXXX, do advise me.
Consumer complaint received 2024-05-17
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP (CA)

Hello, We received a gift card for a project we collaborated with XXXX XXXX XXXX XXXX. We have never been able to use it. We've tried at a restaurant and were told it was unusable. We didn't understand why it was declined. On XX/XX/24 after having it stored in a gift box, I decided to call the number on the back XXXX. They asked my name, the number on the card, and they said it was not registered under that name and wanted me to submit my Government ID on their website and a copy of the gift card. If no government ID submit a phone bill with all info on it. I tried and their website declined states to call the phone number, then the rep told me to fax it to them. I don't own a fax machine!! Unbelievable!! This is a gift card I have never had so much difficulty using a gift card. You just take a gift card with you and go shopping or dining. I would like to report them. I found your information on XXXX and see that there are many complaints about this " Prepaid Gift Balance '' US Bank card. I also reported them to XXXX.
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIBANK, N.A. (UT)

Citicards is reporting a debt on my file along with XXXX XXXX for a debt I don't recognize. I think they are the same debt and I ask you please validate the debt for me as I have no idea what it is.
Consumer complaint received 2020-01-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO. (NY)

I put a credit alert/freeze on my credit report due to fraudulent creation of a credit card by XXXX XXXX XXXX XXXX XXXX under the umbrella of XXXX XXXX. Due to XXXX 's unethical behavior, I sought to replace multiple XXXX cards with different credit card companies. One of the companies I applied to was Chase. Without explanation, and without any specific information on the alleged credit information used to deny access, Chase claimed they could not verify personal information. I never received a phone call, and in attempting to speak to them, calling directly from my home, got the runaround. 

I have perfect credit, and therefore, should not be denied without basis. It is my understanding, that by law, the credit card was provide the exact reason for denial, particularly if it was based on the credit report. 

This did not happen. Thus, I am denied credit with a perfect credit rating, simply because I put a credit alert on my credit report. This could have been cleared up with a phone call which was never made. Reference # on the correspondence is XXXX. Chase Card Services, XXXX XXXX XXXX, XXXX, DE XXXX.
Consumer complaint received 2018-10-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BARCLAYS BANK DELAWARE (MI)

I attempted to redeem cash back from my XXXX XXXX XXXX card on XX/XX/18. I unintentionally clicked to redeem uber credits thinking it was credit to be applied to my XXXX credit card. It turned out I actually redeemed over {$450.00} worth of XXXX ride credits. I immediately called Barclays/Visa to explain I wanted the points to be used to apply to my current credit card balance. 

Visa/Barclays explained to me that they could not reverse the redemption and to contact XXXX to see if they would reverse the redemption. Subsequently, I contacted XXXX through their twitter and app helpline ( they do not have a phone line for complaints ). They stated, " Sorry to hear about that. Unfortunately, Gift Cards are not refundable, returnable, transferable or redeemable for cash. Thank you for your understanding '' and did allow me to respond to further explain the situation. 

I misinterpreted " XXXX Credits '' as a credit to be applied to my credit card account. I believe the XXXX or XXXX should be held accountable to refund my reward points. I would normally not file a complaint, but {$450.00} is not pocket change to me ; especially when the company has no problem charging individuals a APR of 25.49 %.
Consumer complaint received 2022-06-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (UT)

Showing late on my Equifax credit report as of XX/XX/22 please see image named XXXX. This is incorrect. Tried filing a dispute on the Equifax website, but it doesn't let me. As you can see from attached documents this account was always in forbearance during this time. Please fix this. 
Thanks, XXXX
Consumer complaint received 2022-02-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: PNC Bank N.A. (TX)

On XX/XX/2021 {$500.00} XXXX some internet travel service fraud charge my card and i call number behind card and inform them the fraud and identity theft has occurred. They file dispute and charges was removed and they send me new card. 

They did not process it correctly how come the fraud purchase by XXXX XXXX XXXX was paid and now it Show as XXXX XXXX. The auto debit my Bank account today and i was shocked as according to PNC i donot owe credit card.
Consumer complaint received 2024-02-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (AZ)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.
Consumer complaint received 2022-06-10
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. (TN)

The credit bureaus stated my account ( XXXX XXXX Account # XXXX ) was properly investigated but how is that when possible if the date opened is inaccurate, the account detail type is inaccurate, high credit is inaccurate, the credit limit is inaccurate, date last reported is inaccurate, last date active is inaccurate, and the date od last payment is not accurate. This is grounds for removal. They also violated my rights under 15 USC 1681 Section 602 A states I have a right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer agency can not furnish a account without my written instructions. 
Also the credit bureau took more than 30 days to complete my investigation here is my certified tracking # XXXX # XXXX # XXXX