davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-07-26
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: JPMORGAN CHASE & CO. (GA)

CHASE Credit CardXXXX XXXX, XXXXClosed $ XXXX DetailsLast Reported XXXX XXXX, XXXXCreditor Name CHASEAccount Type Credit CardAccount Status Closed - DerogatoryOpened Date XXXX XXXX, XXXX Date XXXX XXXX, XXXX $ XXXX -- Monthly Payment $ XXXXResponsibility Authorized UserBalance $ XXXX Balance $ XXXX Status Collection/Charge-OffWorst Payment Status UnknownDate of Last Payment XXXX XXXX, XXXXAmount Past Due $ XXXX 30/60/90 Days Late 0/0/0Remarks Charged off as bad debtCanceled by credit grantorMy deceased fathers debt. Not mine
Consumer complaint received 2015-11-10
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PR)

I have 2 Hard Inquiries on Trans Union that I did n't Authorized or Asked for. One is from XXXX XXXX 2015 XXXX PR XXXX ( XXXX ) XXXXAnd the second one is from XXXX XXXX, 2015 from XXXX, PR XXXX ( XXXX ) XXXX
Consumer complaint received 2016-07-18
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CITIBANK, N.A. (MD)

I took the liberty of providing all of the credit reporting agencies a copy of your response letter, settlement letter, and settled in full letter. This information proved that account number XXXX was opened on XXXX XXXX, XXXX and closed on XXXX XXXX, XXXX. Therefore did not constitute a reason for that account to be included on the credit reports. 

On XXXX XXXX, XXXX I received a letter notarized stating that my vehicle was secured by a personal loan account number XXXX on XXXX/XXXX/XXXX with CitiFinancial and since the account was satisfied CitiFinancial were releasing the lien on the vehicle. 

I never used any vehicle for collateral for the loan that was opened under account number XXXX that was opened in XX/XX/XXXX. I never opened an account with CitiFinancial in XX/XX/XXXX nor do I have a vehicle to use for collateral. Because all of this information is illegal, fictitious, but was also notarized, I would like for you to provide me with the contract for this loan including but not limited to : the vehicle that was used for this loan as collateral and the forms that I signed for this loan on XXXX/XXXX/XXXX. 

After speaking with XXXX in customer service today at XXXX, I was informed that this personal loan, with the vehicle as collateral, was opened in XX/XX/XXXX, this is what 's being reported for the account # XXXX ; but is being reported under a different account number, XXXX with the XXXX credit reporting agencies. 

I would like for CitiFinancial to honor their agreement to delete all information pertaining to account number XXXX and to not be used for the new account number. I would like for CitiFinancial to report the truth, that account XXXX was opened and closed on XXXX XXXX, XXXX. I would also like for CitiFinancial to not create fictitious information to damage my credit and have me to continue to have high interest rates! 

The XXXX and Consumer Financial Protection Bureau will be contacted about these issues. I hope that you will make it a personal interest to resolve these issues immediately. 

I have enclosed credit reports from XXXX and XXXX. I was unable to print XXXX, but the information is the same, and a dispute has been initiated ( Confirmation # XXXX ). I have also enclosed Response Letter for XXXX, Settlement Offer Letter, Satisfied Letter, and Notarized Release of XXXX XXXX and the If you have any questions or concerns, please feel free to contact me at XXXX. 

Thank You XXXX XXXX XXXX XXXX, XXXX XXXX Enclosures
Consumer complaint received 2022-09-06
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. (FL)

- XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX I noticed this morning that there were 3 Pulls in my credit performed on XXXX I should only have 1 Pull which was - XXXX XXXX XXXXXXXX XXXX  XXXX XXXX purchased a vehicle on XXXX and was aware that my Credit was going to be ran on the XXXX However, the 3 pulls I see above I never authorized them and I recall having my account Temporary frozen which should have been frozen by the XXXX.
Consumer complaint received 2023-04-14
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: EQUIFAX, INC. (FL)

On XX/XX/2023 I sent a letter regarding inaccurate accounts, inquiries and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and XXXX have got into the hands of the wrong person. 
I am submitting this CFPB complaint to request to the Credit Reporting Agencies to once again, investigate and this time remove the disputed accounts completely from my Credit File. If the Credit Bureaus do not comply with the requests under the provisions of the Fair Credit Reporting Act, I will be left with no choice but to file the lawsuit we have been preparing for a long time. The Credit Bureaus only have 30 days left to remove the following accounts completely from my Credit File
Consumer complaint received 2022-09-06
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. (GA)

I have fraudulent inquiries on my consumer report that I want removed immediately. 
XXXX XXXX XXXX XXXX  ( XXXX XXXX ) XXXX XXXX ( XXXX XXXX )
Consumer complaint received 2023-04-17
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. (CA)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The Experian credit bureau is required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item and delete it immediately in my report : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$8800.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$5600.00}, XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00}
Consumer complaint received 2022-09-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (KY)

I have a bankruptcy that is being reported on my credit reports and that is inaccurate! My husband and I ALMOST went thru with bankruptcy but backed out..this is inaccurate information and needs to be removed from my credit report immediately
Consumer complaint received 2021-09-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: AMERICAN EXPRESS COMPANY (CO)

The Bluebird company suspended my account for no reason at all.The only thing I was trying to do was to add cash to the card via my XXXX XXXX bank account. And then later I got a email says that I am permanently suspended.My Bluebird account has XXXX $ in the account now its frozen for me.
Consumer complaint received 2019-05-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (CA)

I have a Bankruptcy Chapter XXXX listed on my Experian, XXXX XXXX and XXXX reports. 

I have not filed a Bankruptcy within the last 15 years. 

I have disputed this Bankruptcy which is appearing on my credit reports, and the credit bureaus have left this on my reports.
Consumer complaint received 2015-10-21
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated an attorney or official
Company: Northern Alliance Management, LLC (CA)

This debt collection agency has been impersonating my law firm. When pressed by the consumer to identify themselves, the collectors claim to be calling from a law office by the name of " Nam XXXX XXXX ''. This is the trade name of my law practice, and this agency is in no way affiliated or associated with me or my law firm. The agency is also not a law office. Due to this deceptive practice I have been receiving calls from confused and angry consumers who mistakenly believe that they have been contacted by me or my office. A web search also reveals that consumers are posting the same complaints, so when a search is conducted of my law firm, these complaints pop up, wrongfully linked to my trade name. They also complain that the collectors make other misrepresentations and threats such as that they will levy the consumer 's social security benefits.
Consumer complaint received 2023-04-14
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)

XXXX According to FCRA 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. This account is inaccurate information on my credit report that needs to be removed.
Consumer complaint received 2020-10-20
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (CA)

Chase Bank XXXX my checking account ( after 50 years ) and they sent me 2 checks Totaling over {$11000.00} after they refused to honor my payments sent to my online payees, saying they Closed my Account XX/XX/2020 although I was not officially notified until XX/XX/2020 when I received a letter on that day. Each month I have XXXX my IRA savings bank deposit {$5200.00} in my Checking Account. The Transfer was made on XX/XX/2020. Now Chase Refuses to talk to me or to XXXX about that {$5200.00} transfer. Today is XX/XX/XXXX and I have to assume it is their intent to keep my money.
Consumer complaint received 2021-09-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO. (ID)

I closed 2 credit cards at chase Bank. I asked then the amount, witch they gave me. I walk across the street to my new bank, XXXX XXXX XXXX XXXX, and they gave me 2 cashier checks for the exact amount chase told me I owed them so I could close the credit card accounts. They took the checks and said my accounts would be credited, and closed. A year later I got letter from collection agency telling me that I owed XXXX for one card, and XXXX for another card. From chase. I called and said I don't bank with chase. They said I had 2 credit card with them that were maxed out and they haven't received any payments. I said because I closed both those accounts over a year ago. The didn't want to hear it, so I called chase, I tried to get someone to discuss with. They didn't want to hear anything I hade to say. Just that it's in collection, it's to late to talk to chase
Consumer complaint received 2016-06-03
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: The CBE Group, Inc. (GA)

CBE GROUP account number XXXX is reporting on my credit file this account was a XXXX balance when they reported. I paid the original creditor. I am asking that CBE provides me with the contract I have with them that allows the to again access to my credit report or the letter of assignment from the original creditor or where my account was bought by them. 
2. I want a complete payment history. 
3. and a copy of the notice that this account was in collections and where it was sent and what date.
Consumer complaint received 2015-09-29
Product: Payday loan — 
Issue: Can't stop charges to bank account — 
Company: COMMUNITY CHOICE FINANCIAL, INC. (SC)

I have submitted a cease and desist letter on XXXX/XXXX/15 and have asked the lender ( Cash Central ) to cease all debits of my checking account on XXXX/XXXX/15 with XXXX XXXX XXXX XXXX XXXX South Carolina XXXX. Cash Central did not honor my request to stop all debit transactions and have not honored my cease and desist. Lender has contacted me after acknowleding that they have received my cease and desist letter. They gotten it via email on XXXX/XXXX/15 and have contacted me by telephone on XXXX/XXXX/15 at XXXX and have also emailed me on XXXX/XXXX/15 at XXXX. They have also debited my checking account after I requested that they no longer debit my checking account for funds. Since then. I have contacted my bank and have filed an unauthorize transaction for my account. On today, the payment made to Cash Central was reversed by my bank. Again, Cash Central has not honored my Cease and Desist. Please advise on moving forward and steps to take civil and/or criminal action.
Consumer complaint received 2021-06-05
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (AR)

I've contacted this company three times with a request to remove inaccurate and unverifiable accounts from my credit report. A notice sent pursuant to the FDCPA 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested. They are in violation of this law. 

The following accounts remain unverified, even after multiple attempts to receive validation from them. I request that these accounts be immediately removed from my credit report with all credit bureaus that they report to.
Consumer complaint received 2016-05-03
Product: Mortgage — VA mortgage
Issue: Application, originator, mortgage broker — 
Company: Academy Mortgage Corporation (MD)

XX/XX/XXXX I started looking for a home to purchase in XXXX, GA. I was pre approved for {$180000.00} found a home packed up a XXXX and drove down to XXXX. This entire process took place by email, phone, and by mom on my behalf who live in XXXX. Gave {$1000.00} in earnest money to my realtor. Once I got to XXXX I never closed but I also was't denied. I was in limbo I was told that if i got denied on my part I would n't get any money back. If it was their fault I would get {$750.00}. XXXX this day I have n't gotten a straight answer from the lender or the realtor.
Consumer complaint received 2015-12-10
Product: Credit card — 
Issue: Rewards — 
Company: BBVA FINANCIAL CORPORATION (AZ)

BBVA Compass is not honoring its credit card contract with me, regarding points given for purchases or any ability on my part to modify my point selection. Due to an IT problem, the credit card website is totally ineffective. I have called them repeatedly, written emails, complained at the local bank branch and spoken to a variety of supervisors, but no one seems able to correct this problem. The credit card is worthless to me if it is n't doing what it agreed to do. I should be able to change which purchases I make earn the most points, but I ca n't. I should be earning more points for certain purchases, but I am not. All purchases, regardless of my choices, earn XXXX point per dollar. This is faulty.
Consumer complaint received 2021-06-05
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (AR)

I've contacted this company three times with a request to remove inaccurate and unverifiable accounts from my credit report. A notice sent pursuant to the FDCPA 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested. They are in violation of this law. 

The following accounts remain unverified, even after multiple attempts to receive validation from them. I request that these accounts be immediately removed from my credit report with all credit bureaus that they report to.
Consumer complaint received 2015-08-12
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: JPMORGAN CHASE & CO. (FL)

We 're a XXXX based in XXXX XXXX. We recently purchased some custom glass from a vendor in XXXX. When the items arrived to our customers location we noticed they were all broken and could not be installed. We immediately contacted the vendor and provided them with videos and pictures of the damaged goods. The vendor at not point in time tried to correct the problem or issue us a refund. Instead they tried placing the blame on the shipping carrier ( XXXX ). At no point in time did our company make any arrangement with XXXX. All our communication was with the vendor directly. XXXX however did come to the site were the glass was delivered and confirmed that glass was indeed broken and could not be used. At that point in time XXXX decided to pay out the claim directly to XXXX XXXX. Unfortunately XXXX XXXX insured their package incorrectly as you will see in the emails attached. They were supposed to have insured the package for {$25.00} per pound but only did {$2.00} This only allowed XXXX to payout {$2.00} for the claim which is clearly not enough to cover our damages. All this information was passed on to our bank CHASE/VISA. They stated to us that they would open a claim and try and collect the funds back for us. A couple of months into the dispute process were contacted by CHASE and informed that we had won the arbitration and that the temporary credit would not be permanent. Fast forward a month or so later and CHASE has now taken the money out of our account. Now all of a sudden they 're telling us that we lost the claim in arbitration and that they provided us the incorrect information. We can not see how it is possible to have lost this claim when both the XXXX XXXX and XXXX have confirmed via email that the glass was indeed broken. We really need your assistance in this matter. 

Thank You
Consumer complaint received 2019-02-27
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 — Investigation took more than 30 days
Company: HYUNDAI CAPITAL AMERICA (CA)

I bought a new car on XX/XX/XXXX, from XXXX XXXX XXXX, CA. I got financing with XXXX XXXX. Unfortunately I got an accident on XX/XX/XXXX and my vehicle was total loss. The insurance company, XXXX XXXX, delayed the payment to XXXX XXXX, I was struggled by those two companies. On XX/XX/XXXX I was going to pay the monthly payment due via online system at XXXX XXXX, I used to pay and through online the system. But system was frozen with this account, the other two account is live. I call to customer support center asked to release frozen system for payment, He can not fix anything about my requesting. On XX/XX/XXXX I logged in XXXX XXXX online system for payment. Account with this vehicle was frozen. 
Finally on XX/XX/XXXX Payoff balance check was delivered to XXXX XXXX . On XX/XX/XXXX, My credit report was negative by XXXX XXXX. Late payment was reported. 
Hyundai has to explain to me what happen to my account frozen, and also customer support center reps. has some solution for I requested to pay the payment due. 
I sent a written requesting to XXXX XXXX on XX/XX/XXXX, I do not have any letter from the XXXX XXXX . 

I do have some evidences what I did. 

Appreciated your time and help, Best Regards,
Consumer complaint received 2015-03-29
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I had XXXX different results from the XXXX credit bureau agencies ( XXXX, XXXX, and TransUnion ). It was in regards to a dispute filed in XX/XX/XXXX. I sent all XXXX agencies the same exact same information. The dispute was in regards to a 30 day late payment in XX/XX/XXXX ( the only XXXX in the entire history of my credit report ). 
XXXX resolved the issue, it was corrected and updated on my new credit report which they sent to me. 
XXXX results was " historical account information was deleted from this account. '' I am not quite sure what that means since I did not receive a new credit report. 
TransUnion results state " new information below '' but nothing was changed at all. 
I would like XXXX and TransUnion to correct and update the information in the exact same way that XXXX did.
Consumer complaint received 2023-04-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: U.S. BANCORP (CA)

I applied for the US Bank Business Checking Account and was approved on XX/XX/XXXX. The reason I applied was because when I went on to US Bank website, there was a {$400.00} bonus promotion on the screen. I completed all requirements and was supposed to receive the bonus by day 60. However, after 100+ days, I haven't received anything yet. US Bank also charged me {$6.00} service fee twice without me knowing any ways to avoid it in the first place. I contacted US Bank Customer Support several times. The first time back in XX/XX/XXXX, the customer representative confirmed that I successfully completed all requirements and should receive my {$400.00} bonus soon. 

Yesterday, on XX/XX/XXXX, I contacted the US Bank twice to ask why my bonus hadn't shown up yet. They said that the code attached to my application expired before the account opened. This is very frustrating. When I applied directly from the website, there was a {$400.00} bonus offer prompting me to apply, with the note that the code would be automatically applied. If the code did expire, why did they even let customers use that code knowing that there would be no bonus? This is a bad way to get new customers. I checked online and noticed there were other customers who also didn't receive the bonus like me. 

So basically I was prompted to open a US Bank Business Checking account and got charged {$12.00} fees in total, with XXXX bonus. Completely disappointing.