davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-07-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (TX)

Re : American Airlines Credit Card Acct # XXXX XXXX XXXX XXXX I contacted this company regarding this account as I have not received a statement. 
The person who did not give a name or employee number said the account was closed in XXXX  2018. I have no statement to advise me what if anything, I owe. 
I have no statements for 2018 at all. Please help me get to the bottom of this situation. 
Also any negative information reported to the credit bureau should be deleted. 

XXXX XXXX ( XXXX ) XXXX
Consumer complaint received 2019-09-07
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (CA)

On the week of XX/XX/XXXX, I received an alert from my Experian credit monitoring service indicating that my XXXX credit card payment for XXXX was not made and as a consequence I had a 30 day late notice added to my credit report. When I went back and checked my payments, I noticed that for the month of XXXX I had made a {$100.00} payment. I immediately called XXXX and they told me that my payment was short for {$5.00} and that they couldn't do anything about it. They were not willing to help me in any way. I asked them to please review my previous history so they can see that I have never been 30 days past due since I open their account. I explained to them that I recently went back to work full time and that I have been sending my payments beyond the that due date, but we a lot sacrifices I have avoided to be 30 days late. I also mentioned that my job stability could be affected for those {$5.00} and that what they are reporting to the credit bureaus is innacurate. They are reporting that I missed my payment which is not the case. 

What they are doing will affect my current employment and future opportunities as well. I do not think this is fair especially for a customer who in spite of her circumstances has been making payments. This {$5.00} difference has caused a level of damage that is not equivalent to the shortage in the payment which was originated by an oversight. 

My credit is the only thing that will keep me working. Please help me to communicate with XXXX so they can remove this 30 days notice from my credit report.
Consumer complaint received 2019-09-07
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BBVA FINANCIAL CORPORATION (CA)

On XX/XX/19 I used my debit card at a restaurant, I spent {$14.00}. After that transaction, my balance was positive. I would not have been able to make the transaction if I didn't have enough, and my card would not have worked. On my statement, it shows that after the charge of {$14.00}, my balance was {$18.00}. In spite of that, on XX/XX/19 I was assessed an over draft fee of {$32.00}, with the bank saying I overdrew the account. Then again today, I was assessed another {$32.00} fee, on a transaction I did on XX/XX/19. I paid for my XXXX XXXX , {$29.00}, and when I did that, my balance was sufficient. On my statement, it shows that after the debit of {$29.00}, my balance was {$6.00}. Now 2 days later, they tell me it was not. I know it was. I called the bank tonight, and the representative told me my account was overdrawn by me, both times. It was not. I believe what they are doing is holding transactions in a pending status, both debits and credits, and then processing them in a way that creates an artificial overdraft. The representative put me on hold this evening and came back saying that AS A COURTESY she would reverse one charge, but not two. This is ridiculous. If one of these charges is reversible, then both of them are. Courtesy is not why they are willing to reverse the charges ; they are hoping to make me feel lucky to get back even one of the charges. This is NOT RIGHT. I want my {$64.00} back, and I want them to stop this unethical and nefarious practice. They need to be penalized for tricking people!!!
Consumer complaint received 2023-03-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Dispute Letters ( XX/XX/XXXX ), a Follow-up Letter ( XX/XX/XXXX ), a third Follow-Up Letter ( XX/XX/XXXX ), and a Fourth Notice of Intent to File a Formal FTC Complaint ( XX/XX/XXXX ). In total, I have sent four letters asking for a correction to my credit report. 
To date, I have had to dispute incorrect medical collections along with inquiries that are not mine four times. On different occasions, I have received responses from all three credit bureaus with resolutions being removed/deleted from my credit report. 

The inquiries XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX. XXXX XXXX XXXX XXXX # XXXX XXXX XX/XX/XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX
Consumer complaint received 2019-09-07
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: AMERICAN EXPRESS COMPANY (WI)

On XX/XX/2019 i received my direct deposit as usual on my American Express Bluebird card, i used the card for a few purchases before and after my direct deposit was received. However on XX/XX/XXXX i attempted to use my card and it was declined, i called american express bluebird and received a message stating " Your account has been permanently closed please check your email for more info, i checked my email and received a letter stating that my account was closed and i would receive my remaining funds by check to the address that was on file but no information as to when i will receive a check what was my final balance what is the address on file i opened this account years ago and since i have moved, how can i confirm if they still have my correct address if when i call the system hangs up on me after warning me my account has been suspended.
Consumer complaint received 2019-09-07
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 — Problem with personal statement of dispute
Company: TD BANK US HOLDING COMPANY (CA)

On the week of XX/XX/XXXX, I received an alert from my XXXX credit monitoring service indicating that my Target credit card payment for XXXX was not made and as a consequence I had a 30 day late notice added to my credit report. When I went back and checked my payments, I noticed that for the month of XXXX I had made a {$100.00} payment. I immediately called Target and they told me that my payment was short for {$5.00} and that they couldn't do anything about it. They were not willing to help me in any way. I asked them to please review my previous history so they can see that I have never been 30 days past due since I open their account. I explained to them that I recently went back to work full time and that I have been sending my payments beyond the that due date, but we a lot sacrifices I have avoided to be 30 days late. I also mentioned that my job stability could be affected for those {$5.00} and that what they are reporting to the credit bureaus is innacurate. They are reporting that I missed my payment which is not the case. 

What they are doing will affect my current employment and future opportunities as well. I do not think this is fair especially for a customer who in spite of her circumstances has been making payments. This {$5.00} difference has caused a level of damage that is not equivalent to the shortage in the payment which was originated by an oversight. 

My credit is the only thing that will keep me working. Please help me to communicate with Target so they can remove this 30 days notice from my credit report.
Consumer complaint received 2019-03-30
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Paypal Holdings, Inc (IN)

On XX/XX/2019 my credit card was compromised by a unauthorized user of Paypal. I have included the credit card number used below. Two charger were made on XX/XX/2019 for {$600.00} and {$720.00}. I contacted Paypal customer service department located in the XXXX on XX/XX/XXXX and XX/XX/XXXX to let them know about the fraudulent transactions. They have refunded my {$600.00} but not the {$720.00}. I am demanding that the remainder of my funds in the amount of {$720.00} is returned to me immediately. 

Credit Card Number : XXXX
Consumer complaint received 2019-09-07
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. (MN)

XX/XX/2019 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN. XXXX Equifax XXXX. XXXX   XXXX XXXX, GA XXXX Request for Investigation of Unauthorized Inquiry I have notice on XX/XX/2019 my credit report from Equifax.com showed the following unauthorized inquiries by these creditors : 1. XXXX XXXX/XXXX, Date : XX/XX/2019 2. XXXX XXXX, XXXX XXXX XX/XX/2019 3. XXXX XXXX, XXXX XX/XX/2019 I contacted all three creditors and notified them that I did not authorize or attempt to obtain any credit or loans, no sort of transactions what so ever, and asked them to remove their credit inquiry from my credit profile. XXXX XXXX was the only creditor that said that they would do their part to correct the unauthorized inquiries ; yet all three creditors search for an application or any type of paper work that would help them but they were unable to find or explain how the unauthorized inquiries showed up on my credit report. 

I request that you initiate an investigation into the unauthorized inquiries on my credit report to determine who authorized the inquiry. Upon your investigation I request that you remove all of these unauthorized inquiries from my credit report, please send me an updated copy of my credit report within 15 business days upon the conclusion of your investigation.
Consumer complaint received 2023-03-28
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. (FL)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. XXXX XXXX XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

According to 15 USC 1681s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
Consumer complaint received 2021-04-13
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (NY)

To Whom It May Concern, Chase Bank freeze my checking account on XX/XX/XXXX due to SBA loan that got deposited on XX/XX/XXXX for {$9000.00}. Chase bank required me to provide them Employer Identification Number that have to made prior to XX/XX/XXXX which is I do not have. 
As XXXX  XXXX or XXXX XXXX I'm not required to apply for EIN but I can use my Social Number instead. 
Chase Bank refused to unfreeze my checking account despite all the documents that I provide such as state ID, year XXXX 1040 form,XXXX Schedule C form, IRS XXXX Transcript, 1099-K and Email from SBA showing that I have been approved for the loan. 
I can also provide all my tax return prior to XXXX showing that I am a XXXX XXXX or XXXX XXXX. 
Other than {$9000.00} from SBA there also my money that I need it to pay bills for this month but now I can't access at all, some bills like an auto insurance, credit card bill that I paid between XX/XX/XXXX - XX/XX/XXXX was returned and slap me with their fees. 
what Chase bank doing is so wrong specially on difficult time like now.
Consumer complaint received 2024-03-22
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: DriveTime (FL)

DriveTime also collected what was said " required '' downpayment in the amount of { {$790.00} } which is and was prohibited by law under TILA 15 USC 1662. Under 15 USC 1640 ( a ) ( 2 ) ( A ) ( i ) DriveTime and XXXX are now liable to me, my finance charge is XXXX and was added to me amount financed ( XXXX ) for double the finance charge. Also DriveTime also didnt include insurance in the finance charge nor other fees this is a violation of 15 USC 1605 ( a )
Consumer complaint received 2023-03-27
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. (PA)

The Fair Credit Reporting Act ( FCRA ) is a federal law that regulates the collection of consumers ' credit information and access to their credit reports. It was passed in 1970 to address the fairness, accuracy, and privacy of the personal information contained in the files of credit reporting agencies.
Consumer complaint received 2023-03-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C 1681 section 602 states " I have a right to privacy '' and this creditor has violated my Rights. I have a right to dispute any information on my credit report that I believe is inaccurate, incomplete, or unverifiable. I am requesting that you promptly investigate the disputer items and remove them from my credit report if they are found to be incorrect or unverifiable. ( see ex 15 U.S.C. 1681 section 604A section 2 & 15 U.S.C 1666B & C ) in accordance with the ( FCRA )
Consumer complaint received 2020-09-23
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. (FL)

SOMEONE USED MY PHOTO ID AND SOCIAL TO OPEN THIS FRAUDULENT XXXX XXXX XXXX XXXX  I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against XXXX, XXXX  and Experian CRAS. On XX/XX/2020, I mailed XXXX, XXXX  and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2024-03-03
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: EQUIFAX, INC. (CA)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2022-02-16
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. (MO)

I sent letter to Equifax Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XXXX, 2022 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THIS ITEM COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX Balance : {$510.00}
Consumer complaint received 2022-02-16
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY (WA)

This morning I received a email that reads On XXXX, Wells Fargo reported a bank account opened with your SSN. My wallet was and identity was stolen on XX/XX/2021. I did not approve this account or authorize anyone to open an account. This is unauthorized. This is fraud as I have no account with Wells Fargo open. I have a fraud alert on and no account can be open with verifying its me.
Consumer complaint received 2018-08-23
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. (FL)

Essentially, the company has entered an unverifiable account on my credit report that I did not open. I made this fact clear to the company and provided evidence confirming identity theft and evidence from US authorities confirming that my personal information, including my social security number, but not limited to, have been compromised. Despite this the company continues to report this derogatory account. This is my last attempt to have this matter rectified amicably without the need for litigation ; thus I have engaged the CFPB.
Consumer complaint received 2023-03-27
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. (TX)

submitted a dispute for incorrect information reporting regarding a collection account. the balance reporting is inaccurate and should be XXXX. attached is a screenshot showing the inaccuracies and transunion is saying the info is valid.
Consumer complaint received 2020-09-23
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: PDQ Services, Inc. (GA)

There was an opened account reporting on my credit with XXXX XXXX XXXX which reflects it was opened XX/XX/XXXX and sold to a collections agency by the name of PDQ Services. I never received a dunning letter or any notification of this account. I disputed the validity of this account along with the missing information as far as the date of last payment which is still MISSING. I sent dispute letters to all XXXX credit bureaus on XX/XX/XXXX requesting validation of this account. They failed to provide proper documents even upon follow up on XXXX. I would like to request the removal of this account from all XXXX credit bureaus along with an updated credit report reflecting the account has been removed. Please see attached for the account reported on my credit.
Consumer complaint received 2021-04-13
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO. (CO)

I began the process of refinancing my mortgage through Chase on XX/XX/XXXX. I responded promptly and on time to every request that they provided me, including uploading specific documents through their dedicated web portal. Then, on XX/XX/XXXX, I received the included letter, with a due date of of XX/XX/XXXX. However, upon reading the letter, some of the requests were very difficult to understand due to the use of sentence fragments, unfamiliar abbreviations, and poor grammar. Therefore, on XX/XX/XXXX, I called XXXX XXXX, my home lending advisor, who reviewed the document and told me that it was a system-generated letter that was not meant for customer release. He explained a few of the items on the list, indicated that others did not apply to our situation, and that overall agreed that this letter needed to be cleaned up and properly issued. He advised me that he would take this to his management team and work on getting a new letter drafted with clear instructions and an updated request for missing documents. 

On XX/XX/XXXX, when I had not heard any follow from XXXX or Chase, I sent him an email inquiring as to when I could expect to see these changes. He replied that he escalated the letter to his management team and confirmed that the letter was " system generated '' but did not provide a timeline. On Monday, XX/XX/XXXX I reached back out via email to inquire about the status, stating that even if it was not resolved by this date, I would like to have an estimated timeline by when it would be resolved. Subsequently, around XXXX XXXX XXXX XXXX, I called both XXXX and XXXX 's manager, XXXX XXXX. Both of their voicemails indicated that they return phone calls received during business hours on the same day. Neither of them answered, and I left a message for both, and have not heard back. 

Thus, at this point, I have been ghosted by the mortgage team as they are no longer responding to phone calls or emails in the previously agreed upon timeline. Furthermore, nobody has updated or revised the attached letter requesting missing documents that is unintelligible, not intended for customer release, and with issues that do not apply to my mortgage situation.