davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-19
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO. (NY)

On XX/XX/XXXX I received a {$9000.00} from the XXXX of Arizona. I had a chase account and called chase to see where that money came from as I knew it might not have been mine. I spoke to a representative and he referred me to an investigator. He asked me where do I think that money came from, if I where sure it wasnt mine and a couple more questions that I dont recall at this moment. The investigator explained to me that my account would have to be closed so that the funds can be given back to whom it belongs. He also explained the process ( contacting the bank from which it came from, starting a claim process etc. ). He always reassured me that I was going to be able to open my account back up. I chose not to open a back account back then because I was not working and knew that without a direct deposit on my account I would have to pay maintenance fees. As of, Friday XXXX XX/XX/XXXX ) I tried opening my account back up. I went to my nearest chase branch but the nearest date they had was XX/XX/XXXX and I needed an account before then. I decided to try and open an account online but I wasnt able to so I called chase. They referred me to a representative who explained to me that theyll need to clear the incident up. She told me that she had cleared it up and was able to open a new account. So today, Monday XX/XX/XXXX, I called my chase representative to make an appointment to open my account. And she tells me that she wont be able to open an account because I have a fraud record in chase. I explained to her that how can it be fraud if I myself was the one who called about it and did all the due diligence to give the money back to its owner and that at no time no one told me that I wouldnt be able to open a new account. She told me that it is a common practice that chase tells costumers one thing over the phone when they know quite well that theyre lying. I asked her what could I do then? And she told me that she would recommend me to open an account at another bank because chase its not going to let me.
Consumer complaint received 2024-02-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

XX/XX/year>XXXX  I was made aware inquires and XXXX XXXX  account was fraudulently on my credit report. I was told to mail in correspondence, and I received a stall letter stating send a ID with social security card which I included in first letter to company. Still got no response. I am a victim of identity theft and I have been treated unfairly by the company when trying to resolve the issue.
Consumer complaint received 2024-02-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MT)

XXXX XXXX XXXX XXXX XXXX XXXX MT XXXX XX/XX/XXXX Dispute of Credit Reporting Inaccuracies - Immediate Removal Request I am writing to dispute inaccuracies in my credit report. Per the Fair Credit Reporting Act ( 15 U.S. Code 1681 ), I hereby demand the immediate deletion of the following inaccurate entries on 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Worst Delinquency/Older Derogatory Events inaccurate Payment History inaccurate Close Date inaccurate I remind you of your responsibilities under 15 U.S. Code 1681s2, which places obligations on furnishers of information to consumer reporting agencies. I expect you to communicate these disputes promptly to the relevant data furnishers for their investigation and correction. 

Attached are supporting documents including images of each account as well as a full credit report dated XX/XX/XXXX for your verification. I demand an expedited investigation and expect resolution within 30 days. 

Remove disputed items during the investigation, as mandated by 15 U.S. Code 1681i ( a ) ( 5 ) ( A ). Failure to comply with these requests may result in civil liability under 15 U.S. Code 1681n for willful noncompliance and 15 U.S. Code 1681o for negligent noncompliance. 

Thank you in advance for your attention to this matter. 

XXXX XXXX
Consumer complaint received 2022-12-14
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. ()

A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back.
Consumer complaint received 2019-07-01
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A. (CO)

This is my second complaint regarding my savings and checking account with Citibank. They put me through the wringer trying to close my accounts a couple of months ago because I didnt save my ATM card and I was told everything was linked to the ATM card. They also would not honor the promotional program I signed up for, they said the program was totally different than the one I signed up fo.r. After I lodged a complaint, they gave me my money ( XXXX ) and I wrote to them to close out both accounts. On XX/XX/19 I verified online that the Savings account, # XXXX, was cancelled, as I never got an acknowlegement in the mail. Today I get a statement for the savings account showing a monthly service fee of XXXX and an overdraft fee of XXXX for a total amount owing of XXXX. I reiterate, on XX/XX/19 the online account showed that the account was closed. I just got off the phone with XXXX, XXXX and he said he will remove both charges and close out the account, however, I would still like to make this complaint, as it is sneaky and it if weren ; : t for me calling and telling them I was making this complaint I do not believe they would have fixed it. XXXX gave me some ridiculous reason for this but I know what I saw when I went online to verify the status. I would lke this complaint made for unfair business practice and sneaky business practice.
Consumer complaint received 2024-03-26
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: CREDIT ACCEPTANCE CORPORATION (NJ)

My car caught on fire and was total loss. The warranty/ Gap protection plan the dealership made me get did not cover for the loss. I argued with credit acceptance and they still want me to pay for the remainder of the loan. The original price of car was about XXXX and dealer charged me about XXXX for the loan.
Consumer complaint received 2023-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS (UT)

See Attached I am disputing the following error on my report XXXX Section XXXX ID : Record XXXX XXXX All Wrong XXXXI am a female, not a male and my birthdate is XX/XX/XXXX n not XXXX. I was born female and still female. 
Record # XXXX Never lived in XXXX XXXX XXXX not my address- never lived in XXXX XXXX XXXX XXXX id theft- ( check zip and city dont even match ) Section XXXX All Inaccurate Records XXXX I havent had this phone? XXXX XXXX XXXX Never lived in XXXX or bountiful Section 4- I graduated in XXXX not XXXX Section 6- Records XXXX not my address- never lived in salt lake city XXXX id XXXX ( check zip and city dont even match. XXXX XXXX Never had a XXXX XXXX XXXX and I am a female not a male. XXXX XXXX I am not a male. XXXX XXXX Wrong Name and address Section XXXX Identity theft- this bankruptcy has a wrong address and names
Consumer complaint received 2019-04-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: AMERICAN EXPRESS COMPANY (GA)

this is American Express card open beginning of XX/XX/XXXX/.XXXX.  When I call Main number of America.Express said this card is not part of American express.. Problem is limit of XXXX when open. Did not use this card since XX/XX/XXXX ..show balance of {$4000.00}. Paid {$200.00} to {$350.00} Monthly ..This card start Charging fees in XXXX over {$380.00} in fees Processing fees, each month until now. which I was paying down the Balance. Now in XXXX American express lower the limit with out letter or notice to {$4400.00} now show {$670.00} Min due. RIP OFF. Where I try to ask them to not due this and stop all fees the Cards has not been used since XX/XX/XXXX. By lower my limit this would cause over Limit fees. Payments are not being applied correct. Amex Only showing XX/XX/XXXX Statement online {$60.00} paid where when over {$300.00} was paid in XXXX now showing only {$120.00} but {$260.00} was paid ..Card last 4 # XXXX exp XX/XX/XXXX .. STOP THE FEES OF {$380.00} MONTHLY ON STATEMENT WHICH MAKE IT HARD TO MAKE PAYMENT TO LOWER MY BALANCE SINCE XX/XX/XXXX.
Consumer complaint received 2016-07-19
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (TX)

opened a Citigold checking account on XX/XX/2016. I opened the account because of the sign up bonus offer I received in the mail. The offer was I would receive XXXX XXXX miles after making 2 bill pays and spend {$1000.00} using my debit card. I called to sign up for the offer and also received confirmation that I have met both requirements. As I have n't seen the miles posted to my account, I sent an email to secured message center and was told I was n't qualified for this offer! How is that possible? I had been told verbally and in writing that the offer is attached to my account. I incurred monthly service fee of {$30.00} and now I 'm told that I do n't get the sign up bonus? How can Citi not honor the promotion that I was told that I qualified for? I have documentation through a secure message where I was told that I had met all qualifications for the offer and would receive the points.
Consumer complaint received 2023-01-03
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (OH)

I found a women on XXXX  who claimed to have puppies. I paid a {$350.00} deposit on one in order to secure it on XX/XX/XXXX. On Monday XX/XX/XXXX, She reached out saying that her husbands father-in-law passed away and she would have to have the dog shipped to me. However, I needed to pay the remainder before she could ship. This is when I got red flags. I asked for the refund I was promised in conversation prior and never received a response. We reached out to Zelle and they asked us to report it, which I did, but we would have to contact the bank to dispute the charges. I then called XXXX XXXX and they said because Zelle is " same as cash '' if the transaction had processed then they wouldn't be able to refund me the money. We believe we know who the person is based on a basic email search and connected social media accounts.
Consumer complaint received 2020-11-11
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: National Credit Adjusters, LLC (TX)

On XX/XX/2020, National Credit Adjusters ( NCA ) added a derogatory mark on my credit report per XXXX. Upon further research, this account was transferred/sold to multiple companies. I am not responsible for this account. I have attempted to dispute this information numerous times with all credit bureaus as an attempt to receive correspondence from the debtor with more information. The debtors creditor did not verify this collection. Also, there was NO written form of communication, contract or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say that it belongs to me. According to the FCRA, National Credit Adjusters ( NCA ) has violated my rights as a consumer and Im requesting legal action to remove this account immediately.
Consumer complaint received 2021-10-19
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. (MD)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. My request for the correction and removable of the erroneous information about my inquiries have been diligently neglected by Equifax. Despite sending them the complaint, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate pieces of information about my inquiries are still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the inquiries that are still reporting on my accounts and need to be REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXXS-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date XXXX inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX
Consumer complaint received 2024-03-26
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: TrueAccord Corp. (CA)

On XX/XX/year>, received an email message from XXXX XXXX of TRUE ACCORD ( XXXX XXXX ) regarding an alleged debt. When I called to inquire, no information was provided to me regarding the original creditor, as they didn't have " access to said information '', yet they wanted me to provide previous home addresses to include the year of my birth to identify myself but was unable to provide details about an alleged debt, thus leading me to believe I was being scammed via phishing for future use. |
Consumer complaint received 2024-02-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$46000.00} ; XXXX XXXX Balance : {$160.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00}.
Consumer complaint received 2015-09-17
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

i requested proof because i never used XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. I asked XXXX for proof and it 's been over 90 days and they never responded to me. These are not my charges and will not provide me with proof with either of these debts.
Consumer complaint received 2022-12-14
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 ()

For much of XXXX and XXXX, I paid my $ 8500 monthly rent to my landlady, XXXX XXXX, via XXXX, in XXXX payments of {$3500.00}, {$3500.00}, and {$1500.00} ( {$3500.00} is XXXX 's limit per transaction for any 24-hour period ). On XX/XX/XXXX, my second payment of {$3500.00} went through, and I have four digital proofs of payment, including a text message from XXXX saying that she had received it ( see attachments ). Then, a few days later, she wrote to tell me that her bank ( XXXX  ) had been taken over during that same weekend by XXXX XXXX XXXX  ( see the bank 's letter of XX/XX/XXXX ), and that XXXX XXXX had blocked that XXXX transaction, but that they would be reverting the {$3500.00} to me. I had two three-way conversations with a representative of XXXX XXXX and XXXX between XX/XX/XXXX and XX/XX/XXXX. In the first, the representative said it was returning my money to my Bank of America account via an ACH, and that money would reach my account in 3-5 business days. In the second, the representative insisted that the issue was out of XXXX XXXX hands, and that I should have the Bank of America " open an investigation '' into the affair. Following that, I learned from XXXX that XXXX XXXX insisted that the {$3500.00} should have automatically bounced back to the Bank of America ( see XX/XX/XXXX text message ). 
On XX/XX/XXXX, XXXX XXXX, the attorney I had originally engaged for this case, provided me with her transcript of a phone conversation she had with XXXX XXXX XXXX, a representative of XXXX XXXX XXXX  ( see attachment ). According to XXXX XXXX, the {$3500.00} would be refunded into XXXX XXXX account and that she will need to pay you back. ( XXXX has constantly maintained that the amount has never been credited to her account. ). However, XXXX XXXX also told my lawyer that XXXX informed the bank that they would actually refund you the money within 7-10 business days because they regarded it as a XXXX reject since the money was not received. However, the bank found out later that XXXX did not do this. 
On XX/XX/XXXX, I filed a request with the Bank of Americas XXXX department to recover the {$3500.00}. The representative with whom I filed the request told me that the bank would open the case within ten days, and provide me with a resolution in the 45 days that followed. Those two phases of the banks investigation are documented in the attached notices, the last of which, dated XX/XX/XXXX, denied my claim for reimbursement of the {$3500.00} lost between it and XXXX XXXX XXXX  on XX/XX/XXXX. More recently, a complaint I filed with the CFPB against XXXX XXXX XXXX  resulted in a denial by the bank of any responsibility ( see attachment ). Finally, a claim I filed with the CFPB against XXXX resulted in a response that shifted the responsibility back onto the Bank of America ( see attachment ). I am therefore requesting assistance from the CFPB for the return of the {$3500.00} from the Bank of America.
Consumer complaint received 2018-04-28
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Ditech Financial LLC (AL)

I originally got approved to have a home built on my property by a company called XXXX XXXX and later they sold my loan to several other comp, anies every five years my loan get sold, I can remember a few names one is lending tree and now Ditech has the loan. I tried to refinance my loan thru lending tree they said that they don't do refinancing, And here is the kicker a company name lending Tree called me said that they could lower my mortgage payment and they said that I had to send nearly three thousand for fees, so I sent the money and found out that it was a scam the people that was a part of the scam was caught and was sentence to prison, my thing is I called lending tree the number that was on my mortgage payment and later after I hung a scam company under lending tree called me, how did these people know that I had wanted to refinance my loan, I think and know that this was an inside job. I was pressured at the time I signed the contract, I was nearly homeless so I sign the contract because the lady said that if I didn't sign that they would not do another contract if I didn.t sign that one, my intrest rate is very high I tried to refinance again I was told that my contract doesn't allow me at all to refinance and that Ihave to pay the amount of interest until the loan is paid
Consumer complaint received 2018-04-28
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)

Experian is reporting fraudulent accounts on my credit report that is effecting me severely financially, emotional and mentally. Recently I was denied employment with a finance company for these erroneous accounts. My last dispute requesting to remove the fraudulent accounts was on XX/XX/18 through the CFPB ( CFPB ref # XXXX ). I received a response from Experian on XX/XX/18 stating I would need to submit a FTC Affidavit signed by law enforcement for them to proceed with blocking the fraudulent accounts. I have attached the requested FTC Affidavit to this dispute, it is also signed by officer XXXX with XXXX. 

I have cc 'd the CFPB in this dispute due to past difficulties having these accounts removed by Experian. My next and final step will be filing a civil lawsuit in my county. I will name Experian, the person ( s ) who accepted my letter and denied my request all as defendants for violating my FCRA consumer rights ; willful noncompliance and negligence. 

Please remove these fraudulent accounts promptly, by law this would be within 4 days of receiving my notice.