davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-21
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. (NY)

I tried to schedule global wire transfer to my own account in another bank from Chase starting XX/XX/2020, however Chase keep canceling my global wire transfer and blocking my accounts although I called them many times that it is myself who initiated those transactions and they also promised me that they already document that recipient account as a valid account.
Consumer complaint received 2017-08-07
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. (IL)

A direct marketer, XXXX, contacted the Citi bak cardholder, and elderly woman with diminished memory, and manipulated her into providing information that enabled them to charge her card for an extended warranty on a vehicle registered in her name. The car has not been driven and the cardholder does not drive.
There has been an effort to contact the direct marketer, but every time additional information is requested and subsequently nothing is done when information is provided. When the charge was initially posted, Citi was notified that it was not a valid charge. there was initially a credit, but then it was reversed. After the reversal, another case was opened with Citi, but now they are stating that too much time has passed, and that they can not dispute this transaction as unauthorized as we previously advised them that this transaction was knowingly entered into. This is incorrect. they were advised that there was a phone call where the direct marketer obtained the necessary information to be able to charge the account, but it was not agreed to and has been disputed from the beginning. We have attached the latest correspondence we sent and received. We have all the documents if needed.
Consumer complaint received 2020-11-17
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: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

I made a monthly credit card payment as I usually do on XX/XX/XXXX from my Bank of America checking account to my Bank of America credit card for {$5200.00}. On XX/XX/XXXX I noticed Bank of America had refunded this payment and my credit card balance was reset back higher by {$5200.00}. On XX/XX/XXXX I called the bank and notified them that this was not a payment refund I ( or any of my authorized users ) requested and that this was likely fraud. On XX/XX/XXXX I received a letter that Bank America had gone ahead with the refund anyway and they refunded the money to a bank account I had never heard of rather than the original payment source. Since then I have contacted Bank of America over 50 times, spoken to numerous groups and associates within the company, and been on hold for hours, reputedly transferred in circles, and getting hung up on on numerous occasions trying to get the right person to talk to in order to address the issue. No one wants to take accountability or help me get to the bottom of the issue despite this clearly being an error on Bank of America 's part. I have gotten no updates since on either the investigation or where the money went. It has now been 11 days since the fraudulent transaction was reported to the company and I am still missing the {$5200.00} Bank of America allowed to be stolen out of my account.
Consumer complaint received 2020-10-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I recently looked at my credit report from XXXX  and noticed a Capital One Account which has been closed since XX/XX/XXXX still being reported to XXXX. My account has been paid off since XX/XX/XXXX and it has been reported that i was late in XX/XX/XXXX, XXXX, XXXX and XXXX. Why is capital one still reporting a closed account. This is seriously damaging my credit profile Account was Opened XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2020-05-05
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)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS DOES NOT BELONG TO ME AND IS IN NO WAY RELATED TO ANY TRANSACTIONS THAT WAS MADE BY ME. I HAVE NO IDEA AS TO WHO WAS ABLE TO GAIN ACCESS TO ME PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. I HAVE ALWAYS BEEN VERY CAREFUL WITH MY PERSONAL INFORMATION AND I DID ALL THAT I COULD DO TO AVOID THIS TYPE OF THING FROM HAPPENING TO ME.THIS SITUATION HAS BECOME VERY STRESSFUL TO ME. I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT FILE AS SOON AS POSSIBLE.
Consumer complaint received 2023-01-31
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)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these items in line with Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed 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
Consumer complaint received 2020-09-18
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (TX)

I was offered Mortgage Assistance Forbearance for my conventional loan. The dates range was from XX/XX/XXXX - XX/XX/2020. I attempted to pay XXXX but was told I could not make a payment and that I needed to call the company. I called and they advised I needed to send in documents to continue forbearance or loan modification. After sending the requested information, they have reported me to the credit bureaus and placed me in foreclosure. I offered to pay the past due amounts, even though those payments should not be considered " past due '' when I was advised I did not have to make a payment till the conclusion of the forbearance period at the earliest.. Now as I await a decision from the underwriters, my credit report is negatively impacted and I am being denied attempts to make any payments. I have quite a bit of equity and I could EASILY sale the property, but I was told by Carrington that I can not sale it even I wanted to,
Consumer complaint received 2021-03-29
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FinCo Services Inc DBA Current (KY)

Someone posed as my banks fraudulent department after I had opened disputes of unauthorized charges on my account. Someone stole money from my account. Some how they had my username and password and the bank XXXX Current XXXX, allowed them to transfer money from my bank account to another bank account under them as well after seeing that someone logged into my account from a different device which I received the emails and they still let it happen. I would never use a different device to log into my banking app and to resolve the issue they want to take 10-90 days to resolve the issue and I was left with no money at all, not for food, gas to get to work they didnt care to resolve my issue fast enough. They sent me a new debit card I havent even received yet I dont even know the card number for the new card and someone tried using it already they dont have my account protected and they cant protect my funded if its that easy to get into and steal my money.
Consumer complaint received 2020-09-18
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: HYUNDAI CAPITAL AMERICA (NY)

I leased XXXX XXXX XXXX from KIA. THE LEASE was a 3-year lease. Date of the lease was XXXX OF XXXX. I made All of my payments on time. At the end of the lease, I was considering turning in the lease in XX/XX/XXXX. I spoke with KIA MOTOR FINANCE and they told me that I could keep the vehicle until XXXX of XXXX. I elected to turn in the vehicle in XXXX of XXXX. I received a letter from KIA MOTOR FINANCE THAT I OWED {$1600.00}. WE converse about the amount and could not reach an agreement. I contacted my attorney and we wrote a detailed letter about the money they claim owed. NO RESPOND IN WRITING FROM KIA ABOUT ANY MONEY OWED. I checked my XXXX credit report and found inaccurate and derogatory marks on my credit report. I sent XXXX a letter concerning my credit report. XXXX sent me a copy my credit report showing I was late in XX/XX/XXXX and XX/XX/XXXX. XXXX show the letters CO. THOSE LETTERS MEAN CHARGE OFF. FROM XX/XX/XXXX TO XX/XX/XXXX SHOWS THESE LETTERS ON MY XXXX CREDIT REPORT.
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My personal information was stolen, several years ago when I filed my taxes. The company that processed my tax returns informed me that my information may have been compromised and to view my credit report. I did see several fraudulent items. I was advised to file a report and contact the credit bureaus. I contacted XXXX, Trans Union, and XXXX several times and they were not willing to assist me. I am filing a official report to have these accounts to be removed from my credit report. 

XXXX XXXX  opened : XX/XX/XXXX XXXX XXXX XXXX opened XXXX XX/XX/XXXX -Child Support Enforcement opened : XX/XX/XXXX -Child Support Enforcement opened : XX/XX/XXXX -Child Support Enforcement opened : XX/XX/XXXX XXXX XXXX XXXX XXXX opened : XX/XX/XXXXXXXX XXXX XXXX XXXXl opened : XX/XX/XXXXXXXX XXXX
Consumer complaint received 2020-05-05
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. (AR)

My father informed me that I received a letter in the mail from where I used to live stating that I owed a debt of child support. I have never been put on child support. I did a little investigating and I was told that someone has given my name and social security number to claim money every month. They have the wrong person. I decided to pull my credit report and it showed the exact same thing and several other accounts that had been opened under my name. These are unknown suspicious items I have never seen in my life. Please remove these fraudulent items from my credit report. 

XXXX XXXX XXXX {$850.00} XXXX XXXX XXXX {$8400.00}
Consumer complaint received 2020-09-19
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: RentDebt Automated Collections, LLC (MO)

I terminated a lease in agreement with management and was then pursued for {$1700.00} for breaking the lease. No judgement was obtained nor any promise to pay : management blindsided me. The {$1700.00} is on my credit report as legitimate but it is not, my next step is to file a complaint in my local courthouse.
Consumer complaint received 2019-05-30
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC. (CA)

Formally requested via phone on XX/XX/2019 at XXXX for contact to stop, as I have no debts in collection at this time. Have been receiving harassing phone calls daily from several numbers attached to XXXX XXXX XXXX for the past week. 

XXXX and XXXX are the most recent numbers. After blocking the XXXX number, they now call daily from the XXXX number. 

I have no debts in collection and they try to elicit money from me daily.
Consumer complaint received 2020-09-19
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

On XX/XX/2020 I made a purchase at XXXX I had a problem with the purchase that XXXX would not resolve. On or about XX/XX/XXXX I filed a written dispute with Capital One. 
I was given a credit on my account in the full amount of {$61.00}. Federal law states that " the creditor must resolve the dispute within two billing cycles, but not more than 90 days, after receiving the dispute ''. On XX/XX/XXXX Capital One rebilled my account for the full amount of {$61.00}. The 90 day rule had expired. Capital One is NOT permitted to rebill my account in XXXX for a dispute that I filed in XXXX.
Consumer complaint received 2021-03-29
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: Experian Information Solutions Inc. (NV)

I received an alert this morning saying that my credit was inquired. I signed in to the website to see that I had several requests on my report. I call in spoke with Rep she told me that its nothing that she could do that would come off in 2 years. I told her why do they say to call if they will not remove whats the purpose of having the app alert you if they can not help. 


the following inquiries I did not request. 
XXXX  1 ) XXXX  XXXX XX/XX/XXXX 2 XXXX XXXX XXXX  XX/XX/XXXX 3 ) XXXX XXXX XX/XX/XXXX 4 ) XXXX XXXX XX/XX/XXXX 5 ) XXXX XXXX  XX/XX/XXXX 6 ) XXXX  XX/XX/XXXX 7 ) XXXX XXXX XX/XX/XXXX 8 ) XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-01-31
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. (CA)

The unverified account indicated below continues to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to Transunion on XX/XX/2023, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be authenticated ( A ). I will take legal action against you if you do not validate this account. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-11
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CITIBANK, N.A. (OR)

I am a victim of Identity theft. In XXXX I noticed my credit score dropping and discovered that an account I did not know about was in default. In XXXX of XXXX someone named XXXX XXXX with a XXXX address, apparently opened a Citibank credit card account using my identity. They charged {$470.00} to the card which then was closed in XX/XX/XXXX with an outstanding amount of {$700.00}. 

I immediately filed a police report with my local XXXX, XXXX Police ( Case # XXXX ) and filled an Identity Theft Report with the FTC ( XXXX # XXXX ). I reported the incident to XXXX and XXXX and I notified Citibank. 

XXXX has removed the account from my report as of XX/XX/XXXX. 

However XXXX has failed to remove the information from my credit report. I disputed it in XXXX and again in XXXX of XXXX, providing the FTC report and Police report, but XXXX says that when they contacted Citibank, Citibank says the charges are valid. 

I am unable to reach Citibank. I tried again today and they just gave me the Identitytheft.gov website and phone number.
Consumer complaint received 2023-01-31
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. (TX)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-04-05
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. (PA)

This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the XXXX XXXX system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (CA)

Inaccurate account status for XXXX and XXXX of XXXX as well as XXXX, XXXX, XXXX, & XXXX in the year XXXX. Since XXXX, I've been in contact with the company XXXXXXXX XXXX and was advised my account status would be corrected in no later than 45 days but to no avail.
Consumer complaint received 2023-02-23
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. (TX)

This account was recently owned by another company and i had it removed from my report, so the original creditor had to sell it to another company and the have now also added it to my report without my permission. This was my original complaint to the last company that responded and deleted : YOUR COMPLAINT Submitted to the CFPB on XX/XX/2022 In accordance with the Fair Credit Reporting act CREDIT XXXX ( Original creditor XXXX XXXX ) Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

And this is the last companies response : Company 's Response Company responded on XX/XX/2022 Thank you for submitting your complaint through the CFPB Complaint Portal. In your complaint, you indicated that there were inaccurate items reporting on your credit file. XXXX has completed its investigation, including contacting the furnisher of the information, where applicable. A summary of the results are listed below : Collections Collection CREDIT XXXX XXXX XXXX XXXX THIS ITEM HAS BEEN DELETED FROM THE CREDIT FILE. We hope this resolves your concerns and, if applicable, a copy of the dispute results has been mailed to you. If you have any additional questions, you XXXX call XXXX ( XXXX ) or you may visit XXXX With myEquifax, you can create an account to manage your security freeze, add or remove fraud alerts, and initiate credit file disputes. Additionally you can access free XXXX credit reports and other products. You may also obtain a free copy of your credit report on annualcreditreport.com. 

So therfore : In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX # XXXX Original creditor : XXXX 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 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.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Consumer complaint received 2021-09-15
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Information belongs to someone else
Company: Specialized Loan Servicing Holdings LLC (NY)

I am a victim of identity theft. I lost my bag and now I am receiving a bank statement I did not make. Someone who has taken my things took advantage of and made this fraudulent account under my name. The fraud was opened on XX/XX/2019.