davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-11-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX XXXX XXXX XXXX XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ) that you, the Transunion, XXXX, and XXXX credit reporting agencies, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a child support account opened at XXXX of XXXX XXXX opened on XX/XX/XXXX under account number XXXX XXXX XXXX of XXXX XXXX opened on XX/XX/XXXX under account number XXXX, an auto loan account opened at XXXX XXXX opened on XX/XX/XXXX under the account number XXXX, personal loan account opened XXXX XXXX opened on XX/XX/XXXX under account number XXXX. These hard inquiries XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2020-12-14
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (CA)

CITIBANK During pandemic and my business getting " locked out '' from operating, I applied to get Economic Injury Disaster Loan with SBA. After approval of the $ XXXX, on XX/XX/2020 XXXX funds released this to my bank account ( XXXX ). 

Since XX/XX/2020 My bank accounts with Citibank have been frozen without my consent nor warning. One Personal Checking Account ( XXXX ) {$14000.00}, Another " Personal '' Account ( XXXX ) {$110000.00} where I have kept all my business transaction for rent receivables and payables, and Savings Account ( XXXX ) {$26000.00}. 

As soon as i found out my account was frozen, i have visited ( different ) Branches, called fraud department multiple times. Received a letter from Citibank terminating my bank relations with them XX/XX/2020, stating I have to wait 30-60 days for my funds to be released. Throughout the waiting period, visited branch and called to " expedite '' this process and they have told me same answers over and over, stating they will email the " back '' office and they will reach out between 48-72hrs. Nothing, I get no answers nor calls. Visited branches and they see on their end thy see XXXX check sent to SBA. Called today XX/XX/XXXX and no money have been sent even when it has passed 60 days. 

My business has been incurring interest on a monthly basis, and i have no access to this loan money Citibank is witholding. My personal life, have changed drastically and been hit financially as well- been ultra careful with spendings. Citibank has been absurdly disrespectful and up to now a delinquent for holding some one else personal money and business.
Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

Recently I looked at copy of my credit report and noticed several inaccuracies on my account. This account is hurting mi ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : XXXX XXXX account ( XXXX XXXX account number XXXX )
Consumer complaint received 2022-02-04
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: MARINER FINANCE, LLC (TN)

My husband and I were approved for a {$5000.00} loan at Mariner Finance and scheduled an appointment to come in to finalize paperwork on Wednesday, XX/XX/XXXX. My husband was asked to bring in his ID, social security card and proof of income. I was asked to bring in my ID and proof of income. Collectively we were asked to bring in a document showing address verification. 

When we came in for our appointment, we worked with XXXX. I handed XXXX my husbands ID, his social security card, proofs of income, address verification and my XXXX work authorization card ( serving as photo ID ) and my social security card because my name is spelled differently on my XXXX ID card. My SS card has a restriction on it saying, valid for work only with XXXX authorization. To give context, this restriction is for an employer to look at and ask me for my work authorization if I am applying for a job. It has zero bearing on my credit and does not define, in any way what my citizenship status is. Mind you, I wasnt even required to bring in my social security card I brought it to show the spelling of my name. 

XXXX left the room with our documents and came back in. She said that she had some bad news and that they were unable to approve the loan because XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. This was the first time anything regarding my citizenship came up. I am not on a work visa I have never in my life been on a work visa and I certainly never said anything to XXXX about a work visa. I explained to XXXX that I am not on a work visa, and I was confused about how she came to that conclusion ; I am considered a permanent resident because of my indefinite humanitarian parole status. 

XXXX then asked her supervisor to come in. I explained to the supervisor that I am a permanent resident, to which XXXX interrupted me and asked, but youre not a citizen? My husband then asked XXXX if she knew the difference between a citizen and a permanent resident to which she responded, no I dont. 

XXXX supervisor then asked her District Manager to come in. Once he came in, he said that because of the statement on my social security card, they will not approve my loan. First it was because XXXX XXXX XXXX XXXX XXXX XXXX, now its because of the social security card that I wasnt required to bring in. I tried explaining, again, that I am considered a permanent resident and that Ive applied and have been approved previously for things such as federal student loans and other personal loans with no issues. He then said well then you can go apply at a different lender. I wasnt asked for and did not have the chance to provide any documentation to show proof that my citizenship status does meet the loan criteria. We were told to go elsewhere.
Consumer complaint received 2020-11-20
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: MoneyLion Inc. (AZ)

XX/XX/XXXX Called Money Lion to pay debt they said I owed nothing Stated I needed a letter not email stating paid debt off. They sent a email XX/XX/XXXX XXXX XXXX Agent asked me to look at my XXXX emails to see where debt was sold. I found email and called number listed. They stated money lion bought back the debt. 
XX/XX/XXXX I called to advise and asked to speak to a supervisor. They said they will call me. 
XX/XX/XXXX called again, they stated they will call me. 
XX/XX/XXXX still no response
Consumer complaint received 2020-11-20
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)

Im filing a complaint about Equifax, I have called Equifax and go hung up on or j cant dispute any information on my report I have two inquiries on my report I want to dispute as fraud I dont recognize and they do not belong to me, XXXX and XXXX XXXX XXXX, XXXX XXXX, please remove these inquiries I have filed a FTC identy theft report, i want these removed and block, I have not checked my credit report, I want these inquiries taking off, they are not factual when its fraud and a consumer does not recognize or have not checked there credit report, Equifax has poor customer service, nobody seems to want to help so please remove
Consumer complaint received 2020-11-20
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: JPMORGAN CHASE & CO. (CT)

On the date of XX/XX/2018 chase bank allowed my business partner who by the way was fraud I entered XXXX dollars to a business account owned by chase transferred from my personal XXXX XXXX account. I was never told that any money was being taken from the business account by chase. I partnered with a female named XXXX XXXX who was the individual who stole all my savings stating that we can open a business together and once I transferred my funds she stole the money I was never notified that any funds were being stolen being the primary account holder and the one who entered the funds in the account I should've been told something but I wasn't this women was allowed to take my business funds I went the bank to find out about the account just to be told I was left with XXXX dollars I have all transactions she has made that did not include the business she was taking personal trips and flights with my funds. J.P. Morgan chase bank located in XXXX ny XXXX XXXX branch XXXX account number XXXX the amount again was {$150000.00} dollars I was also told that being as thou she was my partner they can't help me get my money back and they closed my account I was never notified about any transactions regardless to the fact I should've been alerted and no email no bank statements were sent to me nothing from the bank describing deductions. I now have all the statements being as thou I went to the bank my self without any knowledge of what was being done within a week all my funds were stolen out the account and she transferred the rest of my money to a her private account and opened a business in her own name with my funds please help. I have reported this to the FBI as well and hope to get the help I need complaint numberXXXX as it states in the statements she transferred funds to another business which is weird because this is already a business account and in the statements she has the business she owns on her own she transferred XXXX to a check please look into this I should've been notified and I wasn't about any of this
Consumer complaint received 2024-10-11
Product: Credit reporting 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)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2020-11-20
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (TX)

On XX/XX/2020, I had a fraudulent charge to my account by Amazon. I called the bank to notify about the unauthorized charge. I got my card cancelled and my money returned. On XX/XX/2020 the same amount was pulled from my account showing a " reversal claim ''. Chase Bank claims that XXXX has proven to them that it was something that I " did purchased and that it was sent to my home ''. I don't know how that was proven when it was not my purchase. I went to my local branch and they told me to send a fax with what I have to proof. I have sent a fax ( XX/XX/XXXX ) with my proof to Chase bank Claims and shown them that even XXXX  accepts that that there was a fraudulent activity in my account on this order number. I've called the bank 's claims department on several occasions ( XX/XX/XXXX, XX/XX/XXXX ) and even before these dates, and they tell me that I have to call XXXX. I've called XXXX  several times, ( XX/XX/XXXX, XX/XX/XXXX ) and have been texting with them even before this time. At the end, XXXX, told me that they don't do " claim reversals ''. I called Chase Bank again to reopen this claim again and investigate showing them my proof and again they sent me a notice ( XX/XX/XXXX ) saying that nothing will be done about it and my money will not be returned.
Consumer complaint received 2020-11-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (NY)

On the XX/XX/XXXX I called my Citi classic card because I noticed that on my credit report it stated that the card was closed. I have never received a letter or notice I was only 7 days late on the card my due date was on the XX/XX/XXXX of every month. I use this card for rentals. I have been in good standards for the past 9 months. I was disputing charges with XXXX over a rental which was XXXX plus tolls. I didnt get a chance to even hear back from them yet but I did already call. I did call my card and spoke with a rep because this has never been a issue before and to close my card after a week of being late and reporting it as negative on my credit plus with still owing a charge is ridiculous. Its a pandemic. They told me that they could do that. I said well I have been in good standing for 9 months straight you couldnt even give me a break to figure this out if my name was XXXX XXXX or XXXX or XXXX I can almost bet that the conversation would have went a different way and outcome would of been different. No one reports a credit card closed after 1 missed or late payment not even if it is a secured card.
Consumer complaint received 2020-11-20
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: CITIBANK, N.A. (TX)

XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX Date of payoff. XX/XX/XXXX BEST BUY/CBNA Date of settlement payoff XX/XX/XXXX Ive challenged this account several times with no response. This account does not belong to me as I have never had XXXX XXXX. I have provided proof of this as well as submitted FTC affidavits, yet it is still reflecting on my report. IT NEEDS TO COME OFF XXXX  and Best Buy were both paid off in a settlement with the agreement that those accounts would remove them from my report. 

These are a list of Inquiries on my report that I have no knowledge of. I have never applied for jewelry financing and I have haven't bought a car since XXXX yet there are a list of Auto Financing inquiries on my report.. 

XXXX XXXX - XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX - XX/XX/XXXX XXXX  XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX  XXXX XXXX  XX/XX/XXXX XXXX  XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX  XXXX XXXX Finance/Personal XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX - XX/XX/XXXX XXXX  XXXX XXXX Jewelry/Cameras
Consumer complaint received 2021-06-22
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: ERC (FL)

ENHANCED RECOVERY XXXX  XXXX XXXX XXXX XXXX XXXX, FL XXXX. Has been sending me collection notices in the amount of {$8300.00}. The collection has been reported as pasted due balance. I do not know this company, and it says it was opened on XXXX XXXX. This crazy please understand that I have never done any business with company. The Company does not have a contract with my signature.
Consumer complaint received 2020-11-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (OH)

On Thursday XX/XX/2020 my paycheck was directly deposited into my new Chime account. On Friday XX/XX/2020 Chime suspended my account claiming that the direct deposit deposit did not comply with Chime 's policy. They refuse to tell me how it didn't comply. I have sent Chume all of the documents they have requested in order to lift the suspension. I have spoke with their customer services multiple times over the last 7 days and nothing has been resolved. I have no access to my account seeing as they locked my out of the app/ online banking.
Consumer complaint received 2020-07-07
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: TRUIST FINANCIAL CORPORATION (MD)

On XX/XX/XXXX, I opened a business checking account with Suntrust Bank online. This is a XXXX XXXX XXXX. I submitted all documentation as requested online and was advised electronically to " check on the status in 2-3 days. '' I logged back into my account a few days later and received notice that the " account had been successfully opened. '' Mind you, this was by me checking on my own. Throughout this entire process, I never received a phone call or email from the company. Thinking that my account had been successfully opened, I attempted to set up an online checking account. I immediately received notice on XX/XX/XXXX that the online account is in a " Pending Closed '' status. 

Confused, I called my local branch. A representative advised me that " pending closed '' typically means that my initial deposit had not cleared. I was about to go into a local office, but this was made difficult to the Covid-19 Pandemic. On XX/XX/XXXX, I received correspondence from the " fraud department '' that my account had been closed without explanation. 

Infuriated, I called the toll-free number listed and spoke to a representative. After being placed on hold she reiterated what was stated in the letter with no additional explanation. I then asked to speak to a supervisor and was denied the opportunity. 

Suntrust does not realize : My grandmother had an account My father currently has an account I had a previous car loan with BB & T ( paid in full ) Current credit card with BB & T Never in my life have I experienced such horrible customer service and the cold shoulder. I will try to move all of my business as quickly as possible and advise everyone I know to refuse business with either Suntrust or BB & T. This level of incompetence is ridiculous in the middle of a Pandemic.
Consumer complaint received 2020-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I have four bank credit card inquiries And none of the credit bureaus could help me. I never applied for this Cards and every number I call I just get the run around. How could I fixes this in order to have it removed, otherwise Ill be stuck with it for two years.
Consumer complaint received 2022-09-17
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: Bread Financial Holdings, Inc. (TX)

I have a credit card with XXXX XXXX, which is commenity bank we had to get a replacement card. The card has never been sent to us, and they say they have some internal software problem with their computers for over two months now can not even use the line of credit. Finally, after dealing with them, I have spent three weeks trying to pay them off to close out account because we do not want their services any longer and they are telling me that they can not and they have no ETA on when its going to get fixed and 2 1/2 months later we are upset because our credit is tied up on this and they cant seem to get it fixed we cant use the credit we have nothing ultimately what I want at this point is to pay off my account and close my account which they say they can not do and even if I have a payment due they can not take payments. Either is what theyre saying. I only owe about {$120.00} and its hard for me to believe they wont let me pay it off and close out the account.
Consumer complaint received 2022-06-24
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. (AZ)

In accordance with the fair credit reporting act XXXX account # XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX has violated my rights 15U.S.C1681 Section 602A. States I have the right to privacy 15U.S.C1681 Section 604A Section 2 it also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2020-11-20
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: U.S. Auto Sales Inc. (SC)

Owe {$9100.00} on a repossession started in XX/XX/2019 Called US Auto about a repossession to try to settle and continued to get transferred to different departments because no one could find any info on my account.
Consumer complaint received 2020-07-07
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC. (VA)

By advice of an assistant attorney general of Virginia I am submitting my complaint for predatory lending. Net credit made it unclear upon agreement the payment amount was biweekly and that the interest rate surpasses the usury cap of 12 % for the XXXX of Virginia. I am currently a complainant in a case against the XXXX of Virginia Vs. XXXX XXXX  which is being actioned in XXXX XXXX circuit court. This complaint is that XXXX XXXX has no legal authority to bind Virginia citizens to usury caps above 12 % when they do not have a license to operate in the XXXX of Virginia even with a binding arbitration agreement.