davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-22
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc (GA)

My account was closed without any forewarning. The funds in the account are now inaccessible and this has caused me financial issues as Im unable to pay my bills without this money. Ive contacted customer service but automated message redirects your call and advises account is closed so only contact can be submitted via email. Their email response is asking for transaction details and states that account was closed due to international funds transfers. This is not true. I have made the same purchases and charges on this account for years. I also had the transactions and international transactions options shut off on my card for security purposes. I only authorized transactions when I knew I would be making a purchase and the rest of the time I kept this option on the app disabled do no one could use the card without my knowledge. Now it appears that there are hundreds of people whos accounts have been closed for no reason and chime just advises that IF there are any funds left in the account, they will be refunded via a check within 30 days and mailed to me. Ive tried calling chime, XXXX XXXX XXXX XXXX, XXXX, the XXXX, my local congressman, the states attorneys office, office of the comptroller of currency, and multiple multiple phone and email dead ends. To sum it up, they closed a ton of accounts, are not returning the funds in a timely manner, they are quoting a bogus terms of service violation and refuse to provide and documentation or proof of this violation. Now my bills are late, fees are piling up, and Chime has over {$1400.00} of my money inaccessible to me.
Consumer complaint received 2021-01-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I would like to inform you that on On XX/XX/2020 I sent a letter stating that I found inaccurate items on my credit report. I feel I have been patient with the investigation process but it has been over 61 days and I have not received a response. Unfortunately I feel as if my disputes have been ignored and that I have been taken advantage of. According to Section 611 ( a ), a failure to investigate these items within 30 days gives a reason to immediately remove the inaccuracies from my report. Again I would like you to know that it has been over 61 days ; the items within the dispute need to be deleted in an expedient manner please. I am requesting these items be deleted immediately or I will implement litigation due to the stress and hardship you have caused me. I was affected by the XXXX data breach and this may be the result of this nefarious activity on my reports.
Consumer complaint received 2021-01-22
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: SYNCHRONY FINANCIAL (MI)

Opened a case with CFPB in XX/XX/2020. It was resolved on XX/XX/XXXX when synchrony bank- care credit- responded stating their apologizes and admitted the account was not ours and they would be having it removed from all credit reports immediately. It has now been almost 6 months and they are still reporting it as a collection in XXXX. We have tried disputing it with XXXX several times with no luck, using the letters provided to us by Care Credit on the CFPB website. We want this account removed! It is stopping is from obtaining a mortgage during these hard times. Thank you.
Consumer complaint received 2021-01-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Well, I believe happened a big mistake and I became a real victim of identity theft. I kindly ask you to help me because of I do not recognize these accounts. I am requesting that you delete information off from my credit report because I am not connected to any of those accounts like absolutely. These accounts are definitely not mine. I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I do not have any contracts or agreements, or documents with these companies. Please I kindly ask you to take appropriate actions.
Consumer complaint received 2021-01-22
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: CAPITAL ONE FINANCIAL CORPORATION (NC)

In XXXX, I was only XXXX years old and applied for a credit card had my info stated & social security was issued the credit card and right there was the problem.. i should've never been issued one considering the laws state you need to be 18 and older. They apparently will give anyone a credit card and don't check their info. 
it's stated as one paid account and one chargeback account. i disputed several times to have those accounts removed considering I was a minor and still was a minor so i was told not to touch the credit cards and that my father will handle it for me since I'm only XXXX i didn't have the maturity or knowledge to own one yet. 
but this has set me back and I need something done about it. 

i have submitted my proof of age to capital one and XXXX
Consumer complaint received 2021-01-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CT)

I received an email from Bank of America on XXXX XXXX informing me my BOA XXXX XXXX Visa card had been cancelled by them. Upon inquiring I learned they closed it for inactivity. 

Imagine my reaction. For them to close my travel card for inactivity during Covid is unconscionable. We could not cruise if we wanted too. 

We had a {$27000.00} credit with XXXX balance due. 

My complaint is they did this the way they did and we lost thousands of cruise credits by using their card to gather them loyally and often, before Covid. 

I demand cruise credit restitution with normal XXXX XXXX expiration dates. Bank of America owns the administration of the loyalty plan.
Consumer complaint received 2021-01-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: EQUIFAX, INC. (VA)

The Equifax XXXX XXXX XXXX product was provided to me at no charge on XX/XX/XXXX following a cybersecurity breach at XXXX XXXX. ( See attachment. ) On XX/XX/XXXX I received an email Equifax solicitation to continue and enhance my membership in this product. ( See attachment. ) This solicitation was less than forthcoming, if not deceptive and fraudulent. It did not say that I was already set up for automatic annual renewal unless I opted out before the subscription year expired. Nowhere did this notice say anything about a charge for this service, that Equifax intended to update my product ( i.e. convert the service from a free to a paid subscription ), even though the previous year had been at complimentary. That should have been made clear. In fact, it explicitly stated, Please note there is no immediate action required for your product update and there is no cost associated with these changes. 

Nevertheless, I suspected there might be a charge for this update, so I went to the Equifax website. The information I needed was obscured. I had to scour through the Equifax website hunting for something that would tell me whether I would now be committed to a paid subscription or not. I finally discovered that the Equifax XXXX XXXX XXXX with XXXX product would cost XXXX  per month and that I would be committed for a year unless I declined the product by XX/XX/XXXX. Should I not decline the product by this date, I would be required to notify them in writing ( i.e. through the XXXX XXXX to cancel the subscription. ( Why not via email, as email was used to enroll me? ) On XX/XX/XXXX I called the Equifax XXXX XXXX XXXX at XXXX to see if I could cancel the product over the phone. I could and I did, without any trouble. I was assured I would not be charged anything.
Consumer complaint received 2021-01-22
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. (NJ)

It has come to my attention that i have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is very inconvenient on my part!
Consumer complaint received 2021-01-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FINANCIAL ASSET MANAGEMENT SYSTEMS INC (MN)

XX/XX/2021 @ XXXX Get multiple calls the last few weeks from a potential spam number every day. Finally answered it. They immediately ask me to provide a bunch of personal information for an " important financial business matter ''. They won't tell me what it is for unless I provide them with my personal information. 

After pressing the person, I did get a phone number and address that they were calling from, which links to FINANCIAL ASSET MANAGEMENT SYSTEMS , INC in XXXX, GA. 
( XXXX ) XXXX I'm assuming they are either trying to defraud me, or trying to collect bad debt from my former mother in law. Unfortunately I get pesky callers saying I was put down as a reference for her bad debt and must pay on her behalf. 

I asked to be removed from all further contact if they won't tell me why they are calling me. They stated they will keep trying to call me until I provide them with my personal details.
Consumer complaint received 2021-07-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc (GA)

This debt is illegally being reported to my XXXX  and XXXX  Credit File. I do NOT have any contracts between myself and _____ ( debt collector ) They have failed to provide documentation that the debt is legal. 

The company in which my original account was created SOLD the debt to this collector therefore, having sold the debt and leased the premises out after moving they are not legally allowed to collect on a unit that is now occupied. 

This debt is not valid, as I was allowed to terminate our lease due to distress created for my family by administration of this facility. 


What I want? 

I want this debt listed by _____ immediately removed from all of my credit profiles. 

They will ask have you tried to resolve this issue with the company. 

I have tried to resolve this and they are unable to verify that I have a debt / document with their company. 

That should be it. Make sure you put your social and email so they can respond and notify you of updates.
Consumer complaint received 2021-01-22
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: Experian Information Solutions Inc. (OR)

In XXXX and XXXX of 2020, I filed a dispute with this credit bureau about the unverified account : XXXX XXXX.Account number XXXX and Account number XXXX In those2 months I have not received the requested information for verification of these account. I have asked numerous times for a valid response. I have not received anything in response from this bureau in over 30 days as well. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from this company about these unverified accounts as of today. Thank you
Consumer complaint received 2021-01-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I had filed the following complaint with affidavit but XXXX XXXX listed it as duplicate. This isn't correct since it was new. " I have made many many complaints to CFPB on XXXX XXXX for fraud and identity theft in 2017. Attached is IRS FORM XXXX Fraud Affidavit. Hopefully XXXX XXXX will recognize the identity theft, forgery, and fraud this time. I have already submitted in previous complaints multiple documents including the XX/XX/2017 sheriffs report and felony information on the thief for forgery and false pretenses. Recognize the fraud and remove the negative listing on my credit report. I had XXXX and was paying off debt monthly because I couldnt make a lump sum payment so how can I make a lump sum payment now when I am on social security?. My credit score was always mid XXXX. I had requested many times to remove theft including the fraud payments that allowed the credit limit to be doubled. ''
Consumer complaint received 2021-09-27
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. (WA)

19 fraudulent charges were made against my Citibank credit card on XXXX for XXXX ride-sharing services. I called Citibank on XXXX to dispute the charges and they cancelled my credit card over the phone. After two months, Citibank confirmed 16 of the 19 charges were fraudulent, but said the dispute I filed for the last three charges was denied and they determined I was responsible for the charges. I called again on XX/XX/XXXX to re-dispute the last three fraudulent charges that occurred on XXXX. The person I spoke to told me to email evidence I may have to support the claim that these were fraudulent charges to their security department at " XXXX '' and to write in the subject line " Attention : XXXX XXXX - Fraud Dispute for XXXX XXXX '', which I did. I sent screenshots of my XXXX history which shows I never used their service on XXXX and I sent screenshots of my other credit card transaction history, showing I was in a different state when the fraudulent charges took place. I never heard back from Citibank. I sent a follow-up email on XXXX to the same address asking for them to confirm they received my email on XX/XX/XXXX, but received no response from Citibank. I sent another follow-up email on XX/XX/XXXX to the same address, again, asking for them to confirm they received my prior two emails, but Citi did not send a response. 
I called Citibank on XX/XX/XXXX, spoke with a representative who told me they would credit my account for the last three fraudulent charges that took place on XXXX and the credit would affect my account in two business days. No credit was issued to my account by XX/XX/XXXX, so I called Citibank again. After being hung up on multiple times, I finally reached a stable representative. I asked about my dispute and that person said my dispute was denied ( again ) and she said that they never received my emails with the supporting evidence, showing the charges were fraudulent. I insisted that I sent them, she put me on hold, came back 5 minutes later and said they received my email on XXXX, but didn't receive the other emails I sent them. She said she could re-dispute the charges, but it would take at least 1-2 billing cycles to determine if the charges were fraudulent. 
I have been waiting almost four months for these fraudulent charges to be credited to my account, I've spent hours on the phone with Citibank, and I continue to reach people who barely speak English or simply hang up on me in the middle of the call. Is there any way someone at these offices can help me get my money back from Citibank?
Consumer complaint received 2024-09-21
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: AMERICAN EXPRESS COMPANY (DC)

I am writing to formally dispute the actions taken by XXXX XXXX regarding the unjust restriction of my business account without a proper or legal explanation. I have maintained a business checking account with XXXX XXXX for over two years in good standing, and the recent restrictions have significantly disrupted my business operations. 

According to the Electronic Funds Transfer Act ( EFTA ) and other relevant consumer protection regulations, financial institutions are required to provide clear and timely communication to account holders regarding any restrictions, including the reasons for such actions. XXXX XXXX has not complied with these legal obligations, leaving me without access to my account and providing no explanation despite my repeated requests. 

During my communication with their representatives, I expressed that I felt disrespected and unfairly treated, as the account restrictions seemed arbitrary and without merit. The failure to provide transparency and support has placed my business at risk of severe financial loss, including the potential foreclosure of investment properties and an inability to meet essential business obligations.
Consumer complaint received 2021-01-22
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. (FL)

I disputed this account on XX/XX/XXXX, XX/XX/XXXX and again on XX/XX/XXXX and have not gotten a response from Equifax about this account in question. 

Chapter XXXX Bankruptcy This public record information is inaccurate and unverifiable. Reference # XXXX shows XXXX, XXXX  XXXX and Equifax shows XXXX. I have asked Equifax a numerous times to verify this information with no response but XXXX stated the information comes from XXXX. I reached out to XXXX XXXX twice and both times they response that they do not even have an account for me. I have included the letter from XXXX XXXX with this information so where are you getting this information? Please delete this information immediately from my report. 

XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX I disputed the following items and they have sent me information back with more inaccuracies. I don't understand what is going on they have more than 90 days to review all my accounts. 

XXXX XXXX XXXX This account is inaccurate showing the payment status of Late 120 days on a collection account with a past due balance of {$790.00} reporting late payment in the payment history XX/XX/XXXX. A collection account should not have a late payment history and should not be reporting a past due balance. Also the account history in your verification response shows {$790.00} High Credit with {$0.00} Past due from XX/XX/XXXX to XX/XX/XXXX but on XX/XX/XXXX the Past due was added of {$790.00}. Please remove this inaccurate unverified account. 


XXXX Payment history is inaccurate. You are reporting 30 days late on XX/XX/XXXX when XXXX has verified the payment history showing the payments were made on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. So why do I have a 30 days late payment on my history in XX/XX/XXXX. Please update this 30 days late payment to OK since this was never late. 

these items not being properly looked into I have been more than patience and it is seriously effecting my scores.
Consumer complaint received 2022-05-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

It has been a battle going through this and I am writing to delete the following fraudulent information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge nor accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged with the items listed below which are showing on my credit report. I therefore request that you immediately remove this account from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Please delete the items as soon as possible. 
XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XX/XX/2021 ; XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/2021 ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXX  XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX  XXXX XXXX XXXX : {$52.00} XXXX XXXX XXXX XXXX Balance : {$620.00} ; XXXX  XXXX Balance : {$830.00} ; XXXX XXXX Balance : {$430.00} ; XXXX XXXX XXXXXXXX Balance : {$1000.00} ; XXXXXXXX XXXX XXXX  XXXX XXXX : {$0.00} ; XXXX XXXX Balance : {$2500.00} ; XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$990.00} ; XXXX  XXXX XXXX XXXX : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$370.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX  XXXX ) XXXX Balance : {$59.00} ; XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX ) XXXX Balance : {$90.00} ; ( Original XXXX XXXX XXXX XXXX XXXX Balance : {$130.00}
Consumer complaint received 2021-01-22
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: R.M. Galicia, Inc. (CA)

For the last three to four month this company keeps adding 1 dollar too my account so my credit keeps getting hit. I tried to settle but they are hard to talk too. 
Dont know how too stop them from add 1 dollar every month, It just not right. 
Original amount was {$380.00} XXXX XXXX XXXX. {$3.00} add XXXX XXXX. {$3.00} add XXXX XXXX. {$1.00} add XXXX XXXX. {$1.00} add XXXX XXXX. {$1.00} add XXXX Now it {$440.00} XX/XX/XXXX they add {$1.00} dollar
Consumer complaint received 2021-01-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

It has come to my attention that i have been a victim of Identity Theft for a few years now. XXXX XXXX XXXX XXXX placed a collection on my credit report that was from Fraudulent Activity. I have contacted XXXX XXXX XXXX XXXX and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is very inconvenient on my part!