davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: JPMORGAN CHASE & CO. (CT)

I have contacted Chase Freedom Card Visa five ( 5 ) times in order to transfer a large credit balance ( $ XXXX ) to my Chase checking account. The credit balance is the result of a cruise line credit due to cruise cancellation from COVID-19. Each conversation with Chase produces a different answer. At this point, the credit ( {$21000.00} ) has been removed from my Visa account, however, I have no idea where the funds are. I was advised that I would receive an e-mail detailing my options. No e-mail has been received. I have received two ( 2 ) text messages directing me to a link which requests a password which I don't have. Chase Visa advises that I could not have received a text message. 

I have been misinformed, disconnected, and generally been given the run-around. The monthly Visa bill for this account has been directly paid for over twenty years from my Chase checking account. Nevertheless, Chase claims they can not move funds the other way!! I have no idea where my $ XXXX is and Chase Visa advises that it could be another TWO WEEKS before it may arrive by check. Then, again, it may not. 

PLEASE HELP!!!
Consumer complaint received 2017-01-27
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc. (TN)

I have disputed with Experian several times about my bankruptcy. They are reporting it incorrectly. I have submitted documentation and they will not delete this INACCURACY. I have asked for method of verification, all Experian has sent has been stall tactic letters. I want this deleted. Experian need to follow the federal laws. They ca n't be verifying this information for the bankruptcy. The address is wrong and there is no phone number to call. I want this deleted.
Consumer complaint received 2015-03-23
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc. (FL)

Issue started with an incorrect filing on my Experian credit report. The verbiage was incorrect based on when the filing of my bankruptcy was declared from the courts. The original filing of my bankruptcy was XX/XX/XXXX. The credit report was showing for the line item from XXXX XXXX XXXX as XX/XX/XXXX. I supplied documentation showing the filing date of my bankruptcy from the courts and the paper work for when it was paid off. Experian came back and said after their investigation that this was a late payment and will be treated as such. Mind you, every other institution complied with the bankruptcy term and came off my credit report except XXXX XXXX XXXX. After receiving this dispute letter from Experian, I immediately called my Lawyer and my Credit Protection company to validate my concerns before contacting the FTC. The issue is that the XXXX XXXX XXXX has the incorrect date reported for filing of the bankruptcy and Experian did not dig deeper to investigate the real issue. At this point, Experian is stating that I have 5 more years before it comes off my credit report.
Consumer complaint received 2016-11-23
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (TX)

Dear CFPB, I checked my Experian Credit Report on XX/XX/2016 and I was surprised to find XXXX inquiries : XXXX from XXXX on XX/XX/2016 and XXXX from XXXX on XX/XX/2016. I have not taken any action to open an account with either XXXX or XXXX. I do not know why the inquiries are on my report, but I suspect identity theft. I am seeking to remove the inquiries from my report and put those companies on notice of potential fraud. Attached please find my Experian Credit Report showing the fraudulent inquiries. I have erased my name from the doucment in accordance with your request to not include personal information. 

Please let me know if you can assist me in the process of removing these inquiries from my credit report. 

Thank you
Consumer complaint received 2016-12-21
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: Experian Information Solutions Inc. (CA)

we purchased a new XXXX XXXX XXXX XX/XX/2016 We got the 0 % interest loan form 60 months and were approved on site. However two weeks later they said Experian reported negative things about us. 
We still got the loan, but want to have Experian remove the negative comments which are incorrect. My score was XXXX, and My wife 's XXXX. On other credit reports we are listed at XXXX and XXXX. 

Esperian states : " proportion of loan balances to loan amounts is too high. '' This is incorrect! We only have XXXX loan balances currently, a monthly house loan at {$1800.00} a month and a 0 % interest loan with XXXX for beds purchased last fall. 
We have n't had any major credit debt for close to three years. Our income is over {$120000.00} annually and we have no other debts Experian States : " too many inquiries last 12 months. '' We do n't know how " too many '' is determined. we did successfully refinance our home loan last fall, and got credit from XXXX. That should n't incur a negative on our credit rating! 

Experian also states, " Time since most recent account openings too short. '' WE have credit cards with XXXX that were have had for many years, which we use daily and pay off each month. 

We want Experian to remove all negative comments from our credit report!
Consumer complaint received 2021-01-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (NV)

I believed I paid my balance in full on my Citi card in early 2020. I then received a letter in XX/XX/2020 stating I had past due interest and fees, which they said rolled over after I paid in full. I paid {$190.00} on XXXX which citi customer service ensured me was the final, final bill and covered all interest and fees owed. I now received another letter dated XX/XX/2020 stating I owe more interest. I called and they said I owe {$1.00} which they can not write off nor reverse. I spend a lengthy amount of time on the phone speaking with two different associates which Im sure cost citi more than {$1.00}. I want them to XXXX  out the account once and for all. I would close the card but Im afraid it would adversely effect my credit score. Can you help remedy this situation?
Consumer complaint received 2016-02-09
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: DISCOVER BANK (TX)

I. XXXX Law Firm/Attorney 's ) sent me a letter dated XX/XX/XXXXstating 1 ) they had been retained by INSERT ORIGINAL LENDER, 2 ) notice of opportunity to contact within 30 days to dispute the debt, and 3 ) a statement they are a debt collector. The letter was delivered uncertified. 

II. I responded on XXXX/XXXX/XXXX. In that letter, I asked XXXX XXXX XXXX FIRM/ATTORNEY 'S to validate the date. The letter stated to respond to a specific Notary Public ( who would verify and validate receipt of said validation ) within 30 days. The letter was sent by certified mail and received by XXXX XXXX XXXX ATTORNEY 'S on XXXX/XXXX/XXXX. 

III. I also pulled down my credit report and saw that this debt had been charged off. 

IV. I was served with a lawsuit on XXXX/XXXX/XXXX by XXXX XXXX XXXX FIRM/ATTORNEY 'S regarding this matter. 

Go here and file a complaint against the law firm after you. 

ISSUE : This firm stated they were retained by Small Claim XXXX, That claim is patently false, since the debt was charged off. If Insert Original Lender was still pursuing this debt, it would not be at that status, so this firm has made a false statement regarding its disposition on this matter. Further, this firm has stated they are a debt collector further down in the letter. This indicates that they obtained this debt as third party debt collector. 

The statements made by XXXX XXXX XXXX in the letter are fraudulent and misleading, and intended to intimidate. Further, XXXX XXXX XXXX has extended this fraud into court.
Consumer complaint received 2017-03-09
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Big Picture Loans, LLC (WA)

I took a loan with Big Picture Loans and it was for XXXX well I took that loan out in XXXX and I have been paying on it ever since and after reading all the reviews I feel like I may not get out of this loan. But as I was reading I saw that thru my state since they are not licensed here they have to give back to the borrower. I have made XXXX per month with them and just this last month I was unable to pay it. They extended my payment but also on top that calling them is super annoying I got hung up on at 3 times beforehand. Not happy. I am really dissapointed in this with how much they charge for interest rate and on top of that they are not allowed to do it my state. Just this month I would have been touching the loan but since XXXX I have been paying XXXX a month and this month would have been XXXX it is rediculious. It is a shame that a company can do this to people now I have nothing to live on because of this. I also do n't want to have to close my account because of them but I might have too if I ca n't afford these big payments.
Consumer complaint received 2016-07-20
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC. (AK)

XX/XX/XXXX : I requested my free annual credit report online from Equifax , XXXX and XXXX. I was asked security questions for proof of identity and it did n't match some information currently on file. ( This was also the case in a previous request in XX/XX/XXXX where that ended up in a dispute with Equifax where they had incorrect identity information along with other disputed credit information. ) The XXXX XXXX XXXX ( XXXX ) requested a hard copy request for the annual reports and hard copy proof of my identity. 
XXXX/XXXX/XXXX : I mailed ( certified mail ) the documentation requested by XXXX and it was available to them on XXXX XXXX, XXXX at XXXX. 
XX/XX/XXXX I received my annual reports from XXXX and XXXX, but none from Equifax. 
XXXX/XXXX/XXXX : I received a letter ( written XXXX/XXXX/XXXX ) from Equifax Information Services LLC which asked for the same hard copy proof of identity information provided to XXXX to be sent to their provided address in XXXX, GA. 
XXXX/XXXX/XXXX : I mailed ( certified mail ) the documentation requested by Equifax and it was available to them on XXXX/XXXX/XXXX at XXXX. I never received any reply from Equifax by any method. 
XXXX/XXXX/XXXX : Since there was a chance that lightning destroyed Equifax 's mail receptacle with my letter in it, I wrote another letter and included the requested documentation and mailed ( certified mail ) it to Equifax on XXXX/XXXX/XXXX. That letter and documentation was available to them on XX/XX/XXXX at XXXX. In that letter I added an Important Note stating that if my request is again ignored I will consider that I have exhausted all avenues and will submit a complaint. 

After a very long wait and no activity by Equifax , I am submitting this complaint to CFPB. 

Hard copies of any of the above referenced documents are available upon request.
Consumer complaint received 2022-08-25
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. (CA)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus XX/XX/XXXX, but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide with the law in order for this matter to be resolved promptly. XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$7000.00}, XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, and XXXXXXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$0.00}.
Consumer complaint received 2020-08-18
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (TX)

I ordered something from Paypal. Bean bag chairs for me and my nieces to have a back to school movie night. I ordered this A LONG LONG TIME AGO. Like 3 months at least. 

I got a confirmation to my email, its attached, but I never got a shipping email. I never got an Order on the way. Nothing. 

I contacted Paypal digitally and over the phone several times. They insist I contact the merchant. The same merchant that removed their website, doesn't answer calls, and no longer answers emails in broken English. 

THIS SITE YOU ARE ALLOWING TO USE YOUR SERVICE IS COMMITTING FRAUD. 

If Paypal wont be held accountable by myself, let 's see what CFPB can do. 

I have never, ever, received anything from the XXXX dollars but a headache.
Consumer complaint received 2016-04-19
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (CA)

Hello i recently made a request to have my credit reporting updated with correct information for my previous Mortgage lender XXXX XXXX. No resolution was made and I even contacted them directly with little response. XXXX is currently reporting my mortgage status and or my amount owed incorrectly. I am a XXXX veteran of 13 years XXXX and still ca n't get a resolution for this issue. On XXXX credit bureau it still shows open and reporting past due each month when the home was sold at public auction for XXXX back in XXXX 2012. My credit report still reflects that i owe the full amounts for the following bureaus Experian XXXX account closed XXXX XXXX account open over 120 days past due still being reported
Consumer complaint received 2015-08-29
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: Experian Information Solutions Inc. (NY)

I met a man on an online dating service who broke into my XXXX account deposit the checks in the amount of {$7000.00} requested me to send the money back to them in XXXX and then cancel the checks leaving my account - {$7000.00} I agreed with this stuff cue to pay them them back but they kept taking my whole check each time leaving women no money as a single mother I had no monthly income so I had to stop paying somebody please help me I 've also know that somebody has broken into and has my Social Security account there 's a name that frequently comes up XXXX XXXX I get lots of his emails
Consumer complaint received 2015-11-23
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (MA)

I had a home equity loan from XXXX XXXX XXXX that got forgiven due to the department of Justice lawsuit. All XXXX credit bureaus are reporting every month that I have not paid and I 'm past due. I have provided them with the letter from XXXX XXXX XXXX stating that there is not a balance on this account and that it is not past due, but they are not correcting my report, and every month they are reporting me more and more late ( over 30, 60, 90, etc ). I got denied a business loan because of this and it has damaged my credit. I want this account deleted immediately and I do n't know who to contact.
Consumer complaint received 2016-12-21
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Io, Inc. (VA)

This is an inaccurate and invalid collection account placed on my credit report that is not my own. I have sent letters to all XXXX credit bureaus regarding this debt and still continue to see it reporting, this is a gross violation of my consumer rights and under the Fair Credit Reporting Act, I demand that they either furnish documentation verifying this account as my own or immediately remove this file from my reports
Consumer complaint received 2017-02-15
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ERC (TX)

This complaint is in reference to account XXXX with Enhanced Recovery Corp. According to my credit report ERC took over this account from XXXX in XXXX of 2016 in which I was not aware of this account until ERC listed it on my credit report XXXX/XXXX/2016. Although the account was assigned to ERC and they had the account listed on my credit report I was instructed for the original creditor ( XXXX ) that I could make the payment to them and they would recall the collection from ERC and have the collection removed from my credit report. On XXXX I made payment to the Original creditor ( XXXX XXXX ) in the amount of {$160.00}. ERC was notified by the original creditor the payment day ( XXXX/XXXX/2016 ) that the account was paid in full and as of today has not reported the correct account information which has caused me to be denied credit. As of today after multiple disputes on this account ERC continues to report false information to the XXXX reporting agency which is a FCRA violation. For the last 6 months ERC continues to update XXXX reporting agency and list the account as an unpaid collection and with a balance owed ( {$160.00} ) in they are aware that the account was paid in full on XXXX/XXXX/2016. As of today I am prepared to sue ERC for not providing complete and accurate information to the credit bureaus and for not correcting inaccurate information in my report upon credit disputes. This is not acceptable for ERC to knowingly participate in unfair collection practices.
Consumer complaint received 2020-08-18
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: ProCollect, Inc. (TX)

This company is rude and harassing, you cant even get a word in when trying to resolve issue. I have called in a few times last being about a week or two ago, regarding 2 debts which 1 has been disputed, the other one for {$1200.00} I was promised a settlement after debt was a year old, once it was a year old the said they can not do that. On another occasion they did not fully read mini Miranda on call, Violating FDCPA. I know this because ( I work in collections ). They have also left a message on my phone for another person I dont know disclosing a debt on XX/XX/2020 from a Ms XXXX.
Consumer complaint received 2016-05-12
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: TRUSTMARK CORPORATION (FL)

I have a joint checking account with my husband at Trustmark Bank in XXXX. We have used this bank for many years and have never defaulted on the account in any way. After my debit card was denied on XXXX, I discovered that a large sum of money had been taken out of my account. After reporting this to the bank, it was discovered that a cash withdraw was made at a XXXX, XXXX branch. We have never used any XXXX bank, we never make large cash withdraws from checking. There were multiple red flags, yet the teller gave the individual our account number, our account available balance, and finally- all of our money was handed over to this toothless smiling thief. There is video of the person making the withdraw. I was told that the thief has a replica of my husband 's ID, with a different picture. I have trouble understanding this because my husband 's signature, height, birthdate, and race are all on his ID. This thief, whom was physically handed all of my money by my trusted bank, looks nothing like my husband. He is a different race, clearly the thief is older and taller. The signatures do not match. While I do feel that it is taking too long for my bank to refund my money and I want them to give me a better time line, I am satisfied that I will be reimbursed at some point. I can not believe that my bank let this happen, I have no trust in the security of the bank, their policies, or that this will not easily happen again. I want others to be aware of this situation. I want this to be investigated and for it to be explained how this is even possible. I question the intentions of the bank, and their employees. Clearly something huge is lacking in this organization that just simply hands over another 's hard earned money to a common thief so easily, with so many screaming red flags and no regard for their customers security or livlihood.
Consumer complaint received 2019-05-11
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. (TX)

In XX/XX/XXXX my mothers LLBean credit card was stolen from her room, As soon as we discovered it was stolen we called the credit card company and reported it, It took several calls and they decided that we needed to fill out a form explaining what charges were fraudulent. We sent the form in and after a few more calls I took over the process because it was hard on my XXXX year old mom making all these calls. I sent them a copy of the Power of attorney that I have so that mom doesnt have to deal with these things. After I sent them the POA we talked on the phone again and they told me they would remove the charges. It took a couple more calls for them to remove all the charges and the interest and fines. This whole process took 3 or more months and finally they took off all but a few charges that I paid just to get the whole thing off my plate. For a couple months the charges stayed off the bill until this month when all the old charges ( {$420.00} ) showed up again with XX/XX/XXXX dates on them. I called again to get the bill right and they told me they couldnt talk to me because they didnt have a POA on file so I sent a new POA and hope that with your help we can get this fixed for good. Please help me solve this for good.
Consumer complaint received 2020-06-20
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: ALLY FINANCIAL INC. (MN)

My husband and I are in the process of purchasing our first home. We waited until XXXX on XX/XX/2020 to get the greenlight about our mortgage loan before I sent a request for a wire transfer. 

I sent the request at XXXX on XX/XX/2020. Note : This was an hour after the Ally Bank wire cutoff time. 
About an hour later I called Ally Bank because I never received a reference number for the wire. I was told that the wire department would contact me to verify the wire and that I would get a call around XXXX the next day ( XX/XX/2020 ). 
Today XX/XX/2020 - the day of my house closing - I called at these times : XXXX, XXXX, XXXX, and XXXX. 
Every single time I mentioned that we were on a time crunch due to us closing on our house today. No one ever mentioned to me any sort of delay or mentioned that they needed additional information to make the process go by quicker. 
Since I sent the request after the cut off time on XX/XX/2020 it allegedly didn't give the wire department sufficient time to get the verification for the wire to send out today, XX/XX/2020. My closing officer got involved and nothing was accomplished. 
We didn't end up getting keys to our house today because the wire was never sent despite the urgency of the matter.