davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-12
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. (FL)

Hi, My name is XXXX XXXX and I have tried countless times for about 8 months now to have unverified debt and wrongful information across the three credit bureaus removed from my credit reports and taken care of. During the past 8 months, my rights have been violated in which the bureaus have not responded or have failed to meet my demands where I reached out to them and they claimed it wasn't me or asked for identification in which I have sent them countless times as a stall tactic. I will submit all my work/disputes I have submitted for the past 3 months and I am hoping the CFPB can finally bring this to a close as dealing with all 3 bureaus have been an headache as they don't comply with the law at all and are still partaking in illegal activities.
Consumer complaint received 2022-02-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Central Portfolio Control Inc. (CA)

Receiving calls repeatedly from this company in regards to some debt I have no knowledge about. Have not received any documents for proof or verification of the debt. Getting harassed by phone calls on a daily basis pretty much. Theyve also added this debt onto my credit report!
Consumer complaint received 2022-04-12
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: JPMORGAN CHASE & CO. (IL)

Chase Bank was recommended to me by the State of Illinois, from whom I receive weekly funds. The recommendation was based on the fact that Chase Bank is their official bank that actually cuts our state checks, and would obviously be the best option for setting up direct deposit. I then opened up a new checking account with Chase on XXXX. I was provided an account and routing number, which I entered on the state site, only to have it rejected as " unable to verify '', When I contacted Chase Bank. a rep told me that it would take XXXX hours to activate, which is NOT DISCLOSED anywhere on their website. When I contacted a Chase Bank " supervisor '', the rep blatantly and maliciously lied to me and stated how it was up to the State of Illinois to notify me when my bank account is enabled for direct deposit. WHAT????!!!! As if the State somehow has access to the personal bank records of Chase customers and notifies them of banking updates- wow! That was about the stupidest thing I've ever heard from a bank rep. In addition, this Chase rep lied to me by stating that the 24-48 hour delay was not their policy, only to change her story in a few minutes and state that in fact IT IS their policy. I can't get a straight honest answer on anything from these people, it's like dealing with some shady third world shady characters.. The only thing they did was provide a case number, although it also may be a fraudulent set of digits. That case # : XXXX. The supervisor claimed that they will take action, but when I asked them to describe the action, the phone went silent. Because they have no intention of actually doing anything but provide lies and contradictions, designed to frustrate and confuse their customer - just to get them off the phone.
Consumer complaint received 2022-04-12
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIBANK, N.A. (NY)

On XX/XX/2022, I received a text message from Citibank. I tapped on it and called, I verified who I was and thought it was Citibank and it was not. I realized something was wrong because I began to receive messages from XXXX, saying money was removed from my account. I went to the branch of Citibank closest to me. As I entered the bank someone called me from Citibank asking if I gave permission for a wire transfer from my account. I said no and explained my situation to the costumer service representative. She then closed my account and notified the wire fraud department. The following morning I went to the police department, made a claim, went back to Citibank making a claim description, making out an affidavit of unauthorized online wire fraud. All documents were notarized. A copy was given to XXXX XXXX of the XXXX XXXX in XXXX XXXX, XXXX and the other to the bank. I am a senior, XXXX XXXX XXXX XXXX XXXX, I have been a costumer at Citibank for over forty years. I have never made a wire transfer in my life, nor did I give permission to anyone to remove money from my account. XXXX XXXX dollars was fraudulently taken from my account. I believe Citibank was delinquent in allowing 12 separate transfers from my account to XXXX.
Consumer complaint received 2022-04-12
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. (GA)

In accordance with the Fair Credit Reporting act XXXX  # 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 15 U.S.C 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 2019-10-10
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: LDF Holdings, LLC (OH)

This loan has an APR of 725 %. The legal limit in the state of Ohio is 28 %. I can't pay this loan back. I am willing to possibly negotiate a pay off of less than I borrowed. I am going though debt consolidation with an attorney. I should't have to pay anything because this loan is not legal.
Consumer complaint received 2024-06-06
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Was approved for a loan, but didn't receive money — 
Company: JPMORGAN CHASE & CO. (OH)

I, The consumer and the natural person. Was denied credit by JPMCB AUTO. When I applied for a auto loan. 

Adverse Action against a consumer is AGAINST THE LAW according to the Equal Credit Opportunity Act. Which is codified in U.S.C 1691c and is pursuant to civil liability under U.S.C 1692k.

You are subject to criminally liability for violation 15 U.S.C 1691c as I have proof that I was discriminated against by JPMCB AUTO due to the response I received.

JPMCB AUTO is in violation of 15 U.S.C 1642. 15 U.S.C 1681M. 15 U.S.C 1605 12 CFR 1002. because I the consumer made an application in good faith. But credit was not issued. 

Furthermore, because my social security number ( CREDIT CARDS ) was used and I received no benefit. This proof of fraudulent activity ( UNAUTHORIZED USE OF CREDIT CARDS ) on behalf of JPMCB AUTO
Consumer complaint received 2022-04-12
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: Experian Information Solutions Inc. (NV)

It all started when XXXX XXXX hospital sent a collection on my behalf to XXXX XXXX XXXX in XX/XX/XXXX. I was unaware of the hospital bill and XXXX XXXX failed to get ahold of me via phone and address even though they took a copy of my drivers license and other information. Fast forward, I learned of this collection debt from XXXX and cooperated fully. I paid the amount off by XX/XX/XXXX. This was my first and only collection account since I started establishing credit in XXXX. I have never had a problem paying a bill on time ( which can be proven on my credit report ). 

It was agreed that if I were to pay a large lump sum of the collection sooner than later, the collection would fall off my report. This collection account continues to stain my credit almost 2 years later. I have already went through XXXX and they said the letter to Experian ( and XXXX ) should have sufficed but obviously it has not. I have also filed a dispute 3 times with Experian and once with XXXX ( XXXX does not show a collection account ). 

I should not have to wait 7 years for this account to fall off my report because the letter simply stated that it would be removed. This has been incredibly frustrating and such a slow process. Please remove this negative account from my credit so I can move forward.
Consumer complaint received 2022-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MO)

According to the FCRA XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX MO, and XXXX XXXX XXXX XXXX XXXX # XXXX these inaccurate and unverified address must be removed asap from my credit report. This address I have never lived at and I don't want my mail going to someone else with all the fraud that is going on right now.
Consumer complaint received 2022-04-12
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA (NJ)

I completed a lease buyout of my XXXX XXXX XXXX as of XX/XX/XXXX. 

I was sent the title for the vehicle with several errors on it included an incorrect buyers address as well as an incorrect odometer reading. This incorrect information is now preventing me from transferring the title to my name so I can register or sell the vehicle. 

I have called and submitted multiple requests to Hyundai Motor Finance and have been told for weeks that I would be receiving " affidavits of correction '' to reflect the correct information on my title so that I can transfer it to my name and register the vehicle in my name. 

On XX/XX/XXXX I made my second request for the affidavit of correction and was told the request would be complete in 3 business days. On XX/XX/XXXX I called again and was told the request was still pending and no other updates would be available. 

I have discovered that XXXX outsources this service to XXXX XXXX XXXX XXXX in XXXX Georgia. This is why XXXX is unwilling and incapable of doing anything but submitting new requests that never seem to get completed. They intentionally conceal the identity of the company they outsource the service to.
Consumer complaint received 2023-09-12
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: JPMORGAN CHASE & CO. (CA)

My phone, wallet with my debit card and credit cards, drivers license was stolen from me on XX/XX/XXXX in XXXX XXXX. When I arrived back to United States on XX/XX/XXXX I made claims over the phone to chase that included unauthorized charges. After their investigation they are claiming I made the purchases and denied my claim. They are unwilling to help me further. 
The unauthorized transactions occurred on XX/XX/XXXX. XXXX chase XXXX payments. XXXX of {$200.00} and another of {$220.00}. 
My mother called chase to freeze my account while I was in XXXX because the people who stole everything from me had access to my phone and my personal information they had access to everything. XXXX was unwilling to help until my account went negative and I wasnt answering my phone calls ( because my phone was stolen ). I had to get everything replaced all my cards and debit and unfreeze my account and they still claim it was me. I need help please.
Consumer complaint received 2022-04-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (TX)

I received the response from XXXX concerning Consumer Financial Protection Bureau XXXX XXXX XXXX however, there is inaccuracies in the information provided in the report. Open date : Last purchase date : Last payment date : Charge off date : Balance : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$530.00}. I never applied for this card, never lived at this address I had my identity compromised along with this stated piece of information that is crucial in the document they provided. " Monthly billing statements were mailed to the address on file for your account at the time of mailing. We have no record of the statements being returned to us as undeliverable, until XX/XX/XXXX. '' They found out on XX/XX/XXXX that they had no record of it being returned to them as undeliverable until that time however, I never even applied for the card and they don't have proof of that. Neither do they have proof of purchases on my behalf as soon as the account was opened it charged-off and if you look at my credit I have never missed a payment or ever had a bad account in which this provides enough proof that this isn't mine. I would like the CFPB 's help in dealing with this creditor in which they are reporting falsified information on my Experian credit report.
Consumer complaint received 2022-04-12
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: JPMORGAN CHASE & CO. (IL)

XXXX XXXX XXXX ( the Merchant in this dispute case ) provided me 5 refunds of {$180.00} to my Chase credit card account ending XXXX. However, my Chase credit card balance only showed 4 refunds of {$140.00} after the refund was completed ; there was a {$40.00} shortage. It showed {$180.00} when pending. But after the transaction was completed, there was only {$140.00}. ( please refer to the attachment No.1 & 2 ) To solve this problem, I reached out to XXXX XXXX XXXX XXXX and got their confirmation that they've already paid me, and they also provided me the transaction ID ( shown in attachment No.3 ).

So, I opened the dispute with Chase and wished they could help investigate this missing {$40.00}. Chase issued me a {$40.00} temporary credit when they were investigating the issue ( pls refer the attachment No.4 ). After their investigation, Chase said that the Merchant had provided me the {$40.00} credit, and they needed to rebill that temp credit ( please refer the attachment No. 5 ).

But the actual thing is, my total refund is still short {$40.00}. Chase 's dispute result showed that they found XXXX had paid me {$40.00}, but this {$40.00} was another refund transaction ( please refer to attachment XXXX ). 

I don't know what to do now. I contacted the Merchant, and they confirmed that they'd paid me. Then, I contacted Chase, and Chase can only open the dispute transaction by transaction, so they can not compare the total refund I've already got with the total amount I should get.
Consumer complaint received 2024-01-21
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (CA)

I have made 2 purchased using my chase freedom unlimited card ( XXXX {$540.00} on XX/XX/year>, XXXX {$370.00} on XX/XX/year> ) through 'Shop through Chase ' Portal. Based on Chase 's online information, I was supposed to receive about XXXX points/dollar bonus points from these purchases, however, I've never received them. 

I called chase 's customer services for several times : 1, 1st time I called, they said they saw it went through and I just needed to wait.

2, 2nd time I called them ( still didnt get the bonus point after 1 month ). They said there was no bonus points unless purchase for travel and they kept asking me to read the agreement again.

3, 3rd time I called they said they would take a look.

4, 4th time I called they said they would take a look.

5, 5th time I called they said they want to contact supervisor but the call ended and please wait for next for next available customer services forever.

Ive used purchase through chase for many years, and I dont need to re-read the agreement to confirm it. 
I also have browser record to show that I visited XXXX and XXXX from Chase portal.
Consumer complaint received 2018-07-13
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (NC)

I HAD A LOAN MODIFICATION XX/XX/XXXX AND AT THAT TIME MY BALANCE WAS {$91000.00}. AFTER THE MODIFICATION MY BALANCE WAS {$95000.00}.

I THEN HAD TO GET ANOTHER MODIFICATION IN XX/XX/XXXX. AT THAT TIME MY BALANCE WAS {$96000.00}. AFTER THE MOD MY BAL WAS {$100000.00}.

I CAN NOT SEEM TO GET A EXPLANATION AS TO HOW MY BAL INCREASED FROM XX/XX/XXXX AFTER THE FIRST MOD TO XX/XX/XXXX B4 THE SECOND MODIFICATION. THIS REALLY DOES NOT MAKE ANY SENSE TO ME. IN 6 YEARS I PAID MY MORTGAGE THERE WAS ON A TIME IN XX/XX/XXXX THAT I FELL BEHIND BUT I STILL MADE PAYMENTS. OTHER THAN LATE FEES AND INSPECTION FEES WHICH SHOULD NOT HAVE CAUSED A INCREASE IN THE BALANCE TO THAT EXTREME I DONT UNDERSTAND WHAT HAPPENED.

I HAVE TRIED TO OBTAIN A PAY HISTORY AND AMORTIZATION SCHEDULE. I HAVE TRIED TO GET CUSTOMER SERVICE TO GO OVER IT.

I REALLY FEEL AS THOUGH I HAVE BEEN ASSESSED SOME LARGE AMT OF FEES BUT I CAN NOT CONFIRM WHAT IS CAUSING MY BALANCE TO BE SO HIGH THIS LOAN STARTED IN XX/XX/XXXX WITH A BALANCE OF {$98000.00}.

PLEASE HELP ME.
Consumer complaint received 2022-04-12
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. (AR)

TransUnion has verify inaccurate accounts on my consumer report. 
Pursuant to 15 USC 1681a ( e ) I am requesting that TransUnion show me who they interview and also the names and address of who TransUnion interview. 
CHECK ATTACHMENTS BELOW.
Consumer complaint received 2022-04-12
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. (CT)

On XX/XX/2022 I sent a letter regarding an accurate and unknown thing on my credit report to this day over 45 days Later I have not received a response yet. I feel like I'm being taken advantages of and being ignored. Section 611 ( a ), states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it's been 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect
Consumer complaint received 2022-04-12
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. (CT)

On XX/XX/2022 I sent a letter regarding an accurate and unknown thing on my credit report to this day over 45 days Later I have not received a response yet. I feel like I'm being taken advantages of and being ignored. Section 611 ( a ), states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it's been 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect
Consumer complaint received 2022-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (IL)

I had my purse lost a few years back and now I'm seeing things on my credit report that does not belong to me.. 
Each account is showing up as inquries and or closed accounts. 

XXXX. XXXX XXXX XXXX. XXXX XXXX  XXXX. XXXX 4. Amazon 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 IL XXXX
Consumer complaint received 2022-04-12
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: CAPITAL ONE FINANCIAL CORPORATION (CO)

On XXXX I sent Capital one a letter regarding an alleged account requesting validation of this account,. On XXXX Capital one responded with a letter requesting Last XXXX digits of the alleged account number, full social security number, as well as other information. If they are reporting a charge-off account on my credit report, per Fair Credit Reporting Act, XXXX XXXX ( a ) ( XXXX ) ( A ), they are supposed to provide me with this verification and prove that the alleged account belongs to me. This is a violation FCRA and FDCPA. Ive included the response letter and a copy of my credit report showing the alleged account.
Consumer complaint received 2022-04-12
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. (IL)

Hi I am submitting this XXXX 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 XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help