davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-01
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (TX)

Company has closed my account wouldnt give me the reason why and I was just simply disputing a charge that wasnt mines and I have a open legal case against chase bank and they never responded to it for years and Ive been a chase customer for awhile until they close my checking account in XXXX  and also told me I have a past due balance on another checking account that was open like almost 20 years ago I didnt authorize and I was in XXXX  during that time and they wouldnt open up a fraudulent investigation on it and never received any letters for that checking account.
Consumer complaint received 2021-07-22
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: M&T BANK CORPORATION (MD)

On XX/XX/2021 I transferred money from my M & T Bank checking account to my XXXX M & T Bank account for the amount of {$400.00} using XXXX. My daughter did receive the {$400.00}. Along with a woman named XXXX XXXX for the amount of {$740.00} {$740.00}. {$240.00}. {$740.00}. {$740.00}. {$740.00} all paid to the above mentioned person. Her phone number is XXXX XXXX XXXX {$1000.00} for merchandise that I did not purchase. 

I have received nothing but the runaround from my bank and anybody else I talk to about this. I thought my money was safe in M & T Bank
Consumer complaint received 2022-05-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (IL)

This is another item that i've been disputing for couple of months already but nothing is happening! Can someone please do something and delete this collections account to my credit report!! I have already reported this to FTC XXXX Account # : XXXX
Consumer complaint received 2022-11-02
Product: Vehicle loan or lease — Loan
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: U.S. BANCORP (OH)

I purchased a XXXX  XXXX XXXX from XXXXXXXX XXXX XXXXXXXX XXXX in Indiana. Once I got home in Ohio, I realized that the odometer in the car doesnt match the paperwork. I called back to dealership and spoke with the sales associate that sold me the car ( XXXX XXXX ). Expressing my dissatisfaction in the sale and asked was there something we could do to correct the situation. I was told the general manager would contact me the following Monday on the matter and never got a return call. I called back to the dealership after going to the XXXX in Ohio and was told the vehicle would be registered with a branded title due to mileage not being accurate. I again reached back out to the dealership and still no resolve. I later heard from the title clerk asking questions about the mileage of my trade. She stated that there was a mistake on the mileage document and needed to be resigned. I once again mentioned the odometer issue and she asked for me to send photos of the odometer of my vehicle. And also stated that the general manager would be contacting on what can be done on the matter. I again called the dealership and spoke to the general manager and he stated that he isnt going to do anything with the ongoing situation.
Consumer complaint received 2022-11-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK (DE)

Discover Bank has willfully been denying me of my consumer rights and breaking the law while doing so. 
I have reached out to discover bank and the credit bureaus to have a proper investigation done under 15 USC 1681. I have the right to an accurate and fair consumer report and a fair and correct investigation. You Discover Bank have to provide me with the proper documentation and that has not been done. Other than the fact that the reporting agencies are paying you what other information is causing you to side with them? Please provide me with all of the documents that prove I was late on this account. 
Furthermore you have been violating my privacy and did not disclose all of my rights. 
I was not given proper disclosure telling me I was allowed to opt out of disclosing my non public personal information. My transactions are non public personal information. 
You are in violation of 15 USC 6802 & 15 USC 1681 A financial institution may not disclose nonpublic personal information to a nonaffiliated third party. 
I was never given proper disclosure.
Consumer complaint received 2022-05-04
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: Self Financial Inc. (TX)

This was not sent in error. I am a consumer by law and my information was misused and now I have false not 100 % accurate accounts on my credit report. You keep on reporting me late on this following account under SBNASELFLNDR  30 days late in XX/XX/2021 and 60 days in XX/XX/2021. 

You have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, you must remove this negative information and update it to paid or paying as agreed! This is clearly a discrepancy that you are still reporting up until now! Make sure that you will update this as never late!!
Consumer complaint received 2022-05-04
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. (MD)

I, XXXX XXXX, sent Equifax a letter on XX/XX/XXXX, disputing the validity of the bankruptcy they are reporting on my credit report. They responded that they verified this information through XXXX and the court. I went directly to XXXX XXXX and the court. I went directly to XXXX to dispute the item in question and XXXX  could not verify this item so they deleted it from there database. The court provided me with a letter indicating that they do not report to the credit bureaus. I then went back to Equifax on XX/XX/XXXX, and showed them the the deleted bankruptcy from XXXX XXXX informing them that it they could not reveal how they truly verified this item then it needs to be deleted according to the FCRA. I also informed them that the courts do not provide information to the credit bureau.They have once again refused to delete this item which is imploding on my ability to purchase a home and causing me to pay thousands more in interest every year. 
I than filed a complaint through the CFPB on XX/XX/XXXX and was not given any information on why they close my case. This item needs to be deleted from my credit report if it can not be verified within 30 days. I also made phone contact multiple times and was unable to get clarification.
Consumer complaint received 2022-10-28
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc (NJ)

On XX/XX/XXXX, Chime bank suspended my account without explanation. I contacted Chime bank initially on XX/XX/XXXX once I realized I could not access my account. They requested from me some verifying documents to prove my identity such as Drivers licence, proof of address, social security number, etc. I sent the information to their email ( XXXX ) and was told my account should be unlocked within XXXX hours. As of today, XX/XX/XXXX, my account is still lock with no resolution or explanation in site. This has caused me financial damages as I deposited my savings into this account which I can not access. I am facing eviction, I can not keep up with my credit card bills which will ruin my credit and most of all, its caused emotional distress. Im on the phone with Chime every single day to try to get answers or most of all, get access to MY MONEY, and i keep getting the same response ( they are looking into it ). I feel as though I am being robbed. Please help me.
Consumer complaint received 2022-11-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A. (PA)

XX/XX/22 I opened a checking account with Citi Bank to take advantage of their promotion, XXXX for {$300.00}, {$700.00}, or {$1500.00}. I also had a family member sign up for another promotion using my referral URL for {$100.00} per person up to {$2000.00}. Over 5 months went by and I didn't receive either bonus. My family member did using the exact same steps. 

XX/XX/22 I contacted Citi via chat. They couldn't find what happened, so they opened a dispute for me ( which I documented ). I was told it would take " up to XXXX business days ''. 

XX/XX/22 I called after XXXX business days on XX/XX/22 to see why I didn't receive a response. I was informed I needed to submit a W-9. I mailed it on XX/XX/22. 

XX/XX/22 I received a letter from Citi about the dispute reminding me I hadn't sent my W-9 to them and they couldn't proceed with the dispute. 

XX/XX/22 I contacted Citi to confirm my W-9 was received. I was told it was " received on XX/XX/XXXX ''. I also found out Citi hadn't added the {$100.00} promotion to the previous dispute. So, they told me they opened another dispute for me on XX/XX/22 and told me it would be XXXX business days. 

XX/XX/22 I called Citi to check in on the new dispute as well as the previous. I was told that the XXXX dispute had closed due to a " lack of information ''. I opened a XXXX dispute to again try to receive the XXXX bonus ( XXXX dispute in total ). 

XX/XX/22 There was a letter dated XX/XX/22 by Citi saying that Citi tried to resolve my dispute submitted on XX/XX/22 but " we do not have enough information to complete our research ''. I have no record of this dispute and didn't even know it was opened as the dispute number doesn't match the number I have from XX/XX/22. I called Citi to inquire about the letter and XXXX open disputes. They told me it hadn't been XXXX business days and to call back tomorrow. 

XX/XX/22 I followed up with Citi again and was told there were no updates for either dispute. 

XX/XX/22 I contacted Citi via chat to check in for an update. I was told there were no updates and was given a phone number to call for updates. 

XX/XX/22 I called the number previously provided and spoke to an agent. They told me that the XXXX dispute had been resolved and the XXXX bonus would post to my account. There was no update on the {$100.00} referral bonus. Later that day, the XXXX bonus showed as pending to my account. 

XX/XX/22 I contacted Citi via chat to find out about the {$100.00} referral bonus offer. I was told there were no updates, please wait XXXX more days. I told the agent that I had been more than gracious and that I would need to submit a complaint to the CFPB unless a XXXX could resolve this. They opened a complaint internally. Since it has been well over the XXXX business days from when I contacted them on XX/XX/22, I filed this complaint.
Consumer complaint received 2022-05-04
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. (TN)

I am a victim of identity theft. I have sent numerous letters certified mail to the credit bureaus XXXX was the latest attempt to remove these fraudulent accounts. Under 15 USC section 1681i of the Fair Credit Reporting Act of 1970, I demand the following items to be deleted after an improper investigation that they conducted. Under section 609, the credit bureau did not on my Federal Police Report not any original documentation with my signature. That is a violation under the law and has caused personal injury to me. 
I have never lived at the address that are on my credit report and I have sent the credit bureau several letters with proof. I have always lived at XXXX XXXX Pl XXXX XXXX, never at any other address on my credit report. I have attached a copy of my XXXX, XXXX for proof once again. I dont know why the credit bureau is so consistent with causing harm to my person and financial obligations by reporting information and accounts that do not belong to me even after there were sent the Federal Police Report of proof of my identity theft.
Consumer complaint received 2022-05-04
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (CO)

I have been scammed using check that was sent to me to deposit in my bank account ( chase ). On XX/XX/2022 a man who have been calming to be my sugar daddy send me three different check one is XXXX then XXXX and another XXXX which I then deposit thinking its a real check. After I deposited the money in my bank account. It took two days for the amounts to be saying its pending then my bank said its on hold. I wake up today XX/XX/2022 to a negative bank amount. I have called my bank the day after I deposited the check to report the person is saying he will call to get his money back. Please help
Consumer complaint received 2021-07-22
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. (AL)

On XX/XX/2021 i filed an identity theft report with the ftc because I am a victim of identity theft. my information is in the wrong hands and my information was compramised by the equifax data breach.
Consumer complaint received 2022-05-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: ALLIANT CREDIT UNION (IA)

alliantcreditunion.com XXXX XXXX XXXX XXXX, XXXX, IL XXXX alliant credit union advertised a free {$200.00} gift card for opening and funding a new account. I opened a new account on XXXX XXXX. The promotion did say the offer would be limited to the first XXXX accounts. They continued to advertise the offer tor 10 days after I opened my account. The offer said it would take 2 to 3 weeks to receive card. 

on XX/XX/XXXX I sent a secure message to them telling them I had not received the gift card, got a response saying please wait 14 days, on XX/XX/XXXX I sent a secure message saying I had not received the gift card. Got a response saying it could take 28 business days and asking to confirm my mailing address. They later confirmed the address was what they had on file. 

on XX/XX/XXXX I called the customer service line and spent 40 minutes. They first told me I did not sign up through the correct bonus link, but later said they could see the bonus code had been added to my account, then said they would get back to me, that day. 

No call - no gift card
Consumer complaint received 2022-05-04
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: Exeter Finance, LLC. (TN)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy. 
15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 
15 USC 1666B : A creditor may not treat a payment on a credit card account under open end consumer credit plan as late for any purpose. 
1
Consumer complaint received 2022-11-01
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: Klarna AB (OH)

My problem is with Klarna, a buy now, pay later service. 

My wife and I made a purchase through Klarna with XXXX XXXXXXXX, for {$910.00}, on XX/XX/XXXX. Klarma charged me half upfront, so {$450.00}, with the balance due in three payments. We placed the order for curbside pickup. 

XXXX  refunded my order on XX/XX/XXXX, as they gave away my order in error, to another customer. 

XXXX  refunded {$240.00} to my debit card. They then refunded the remaining {$210.00} to Klarna. 

Klarna now owes me {$210.00}, for the balance of my refund. I have contacted them multiple times, but they will not refund it.
Consumer complaint received 2022-05-04
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. (GA)

On XXXX XXXX I found National Credit systems on my report and it is inaccurate 15 U.S. Code 1681 -. ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. 
( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 
( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Consumer complaint received 2022-04-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: OneMain Finance Corporation (MN)

I called One Main Financial and asked for amount needed to pay off the loan which I owed them. An amount was provided for which I agreed to pay them off. One main Financial requested that I bring a certified check in order to pay off the balance. I complied and in my view, all went well. Thereafter, I noticed that my credit score dropped by over XXXX points instead of rising. On verification, I was made XXXX understand that One Main Financial reported to the credit bureaus that I had settled the debt for less than full amount. One Main Financial explained that there were accrued interest which was deferred in the past and needed to be paid. Long story short, I explained to them that there was a communication problem, and as such, my request was either not well understood or I did not understand their explanations So I wish to pay them all their money because I need to clear my record in order to apply for financing for an industrial project. I had paid off the amount asked of me, and the {$900.00} remaining was not an issue. I want to pay it off as well so my record could be clean. 
One Main Financial has refused to do anything to correct this. I need them to collect their money and report it to the credit bureaus as paid in full - being what I was assking from the beginning. 
Please, step in to assist me to correct this. I have the funds to pay their money in order to free me proceed me with my life.
Consumer complaint received 2021-09-01
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. (NC)

The credit bureaus were not able to provide any form of documentation to verify this specific account with me. I am not looking for this complaint to be changed to a request for a dispute. Ive done that already. I am looking for this information to be DELETED per the FCRA. These creditors have had 330 days ) and ( 4 dispute letters sent ) to resolve this and they have failed. Now it is time to DELETE the accounts per the FCRA. Please do not close this complaint without resolving this completely. Thank you
Consumer complaint received 2022-05-04
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. My request for the correction or removal ofthe erroneous information about my account has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/2022, for the said request, I have notreceived any response up to this date, XX/XX/2022. Besides, the inaccurate information about my accounts is still on my reports. Therefore, Equifax has not complied with the Fair credit reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting unverified information. Below are the items that are still reporting on my account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX  ( Original Creditor XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX ( Original CreditorXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX ) XXXX
Consumer complaint received 2022-05-04
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. (TX)

Upon reviewing my credit file, incorrect information was found in my reports. The XXXXEquifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : Inaccurate Name : XXXX XXXX, XXXX XXXX Inaccurate Address:XXXX XXXX XXXXXXXX XXXX XXXX XXXX TX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX Updated : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX TX XXXX Date Updated : XXXXXXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX, US DEPT ED XXXX Owed XXXX {$1000.00} , US DEPT ED XXXXBalance Owed : {$6400.00}, US DEPT ED XXXXBalance Owed : {$3100.00}, XXXX XXXX Balance Owed : {$2200.00}, XXXX XXXX XXXX XXXX XXXX**Balance Owed XXXX {$1100.00}, XXXX XXXX XXXX Balance Owed : {$420.00}, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX