davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A. (NY)

I received a letter from Citi bank  on XX/XX/XXXX stating my late mother was owed {$450.00} and that i needed to send documents to retrieve these funds before it was forwarded to unclaimed funds in XXXX. I faxed them her death certificate along with other documents to prove who i was and a form that came with the letter. On XX/XX/XXXX i received another form to fill out and a request for her death certificate and copy of the first letter. I faxed those today along with original packet of documents sent XX/XX/XXXX and fax confirmation. I also mailed the same faxed documents certified mail today as well. This is absolutely rediculas that it takes them XXXX weeks to reply and instead of a check i received another request for the exact documents they requested the first time. citi bank abandoned funds dept XXXX Ref ID # XXXX. Her name was XXXX XXXX DOB XX/XX/XXXX
Consumer complaint received 2021-11-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: PNC Bank N.A. (FL)

On XXXX XXXX of this year, someone was able to walk into the PNC bank located at XXXX XXXX XXXX XXXX in XXXX TX. and using a false social security number, a false address, my correct birthday, and a signature that didn't match, and withdrew {$3000.00} in cash from my checking account. As you can see from the copy of the withdrawal ticket, they tried to get {$4000.00}   but the balance wouldn't support it. The teller, who may have been in on the scam, gave them the money even with all that inaccurate information. The teller clearly did not follow banking protocols and did not check the information on file, if they had they would have know this was a scam! 
We contacted the local branch here and they are working on the problem, but we were told it may take up to 90  days to get our money back, THIS IS TOTALLY UNACCEPTABLE. This is felony level back fraud and without a doubt the sloppiest case of bank teller performance I have ever heard of. I am enclosing a copy of the withdrawal ticket so you can see what I'm talking about.
Consumer complaint received 2022-05-05
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: ACIMA CREDIT, LLC (GA)

On XX/XX/XXXX I was reviewing my credit report and noticed an account had been charged off that was not familiar to me. I looked through my XXXX updates and saw an account was opened with ACIMA XXXX FKA SIMPLE with a balance of {$4800.00} on XX/XX/XXXX. My credit had been compromised in XXXX of XXXX and I contacted XXXX and had fraud protection placed on my account as a result of confirmation I was a victim of identity theft. Somehow someone was still able to open an account in my name in XXXX. The account was charged off on XX/XX/XXXX, for failure to pay. I filed a dispute with XXXX on XX/XX/XXXX. They advised on XX/XX/XXXX I needed to settle the dispute with ACIMA. I reached out to ACIMA via chat on XX/XX/XXXX. They advised because I was disputing the charges they could not help me. They told me before they could assist me, I needed to file a police report and then send a copy to the fraud department. I contacted XXXX and they advised I could file a report online as I'm out of town. I filed a report and received a copy on XX/XX/XXXX. I submitted that report to ACIMA. They responded via email saying because the report was redacted ( my personal information is hidden ) they could not assist me. They said I need to provide an FTC report and a copy of my ID. At this point I feel like they're giving me the run around. I am proceeding with the FTC report which has led me here.Any help you can provide in getting this issue resolved would be greatly appreciated.
Consumer complaint received 2020-10-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (AL)

This is my 3rd time trying to fix the errors of this alleged account. I wrote two letters both XXXX and XXXX of XXXX, but yet inaccuracies still remain. I have attached a photo proof below of the inconsistencies and inaccuracies that have been continuously verified. The date of last activity in different across all three bureaus XXXX  shows XX/XX/XXXX, Experian shows XX/XX/XXXX and XXXX  has XX/XX/XXXX. Please tell me how this information was verified by the same creditor but still report inconsistently across three bureaus? I have a right to an accurate credit report please delete this unverified inaccurate account immediately. 


Account Name : XXXX Account # : XXXX Account Name : US DEPT ED Account # : XXXX Account Name : US DEPT ED Account # : XXXX
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2021-06-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL (FL)

I purchased a corporate kit on XX/XX/2021, from XXXX, the total amount of {$85.00} was charged to my XXXX account ( See doc 1 original receipt ). On XX/XX/2021, I mailed a money order in the amount of {$85.00} to cover the entire balance of the purchase ( See doc 3 XXXX XXXX. I received an email statement dated XX/XX/2021, for the same amount, with payment due on XX/XX/XXXX ( See doc 2, first statement ). In communicating with the company ( PayPal Credit/Synchrony Bank ), I sent two faxes outlining the payment and where it was sent ( See docs 3 & 4 fax confirmations ). Both faxes included the money order and address, to where it was sent. On Monday XX/XX/2021, I received another email reminding me of my minimum payment ( See doc 5 XXXX XXXX.
Consumer complaint received 2020-10-14
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Neon Newco Corporation (GA)

I wanted a net spend card because I moved into a new state and has. No identification for employment purposes. I asked a friend to order the card usinf her address but u never received my netspend cash app or pay pal card
Consumer complaint received 2020-10-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX DOB XXXX SS XXXX I have serious problems with addresses on my credit report that I have never lived at showing on my credit report! Please remove these unknown, unrecognized addresses. The following addresses are not accurate please delete : XXXX XXXX XXXX  XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX # XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX. 
I have a new job that I am applying for and this information on my file needs to be corrected. 
I noticed that there was an account from XXXX XXXX XXXX  # XXXX I have never done any business with this company and I know this information is inaccurate. Please delete this account at once. I have requested documents for this account without any response back. This is an error. 
Please remove the name XXXX XXXX XXXX and XXXX XXXX that is not my name.
Consumer complaint received 2018-12-26
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: WELLS FARGO & COMPANY (GA)

XXXX has been non-compliant with removing the unverified account WELLS FARGO CARD SER Opened Date XX/XX/2009 which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that WELLS FARGO CARD SER was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
Consumer complaint received 2020-10-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

THE ACCOUNTS LISTED DO NOT BELONG TO ME SOMEONE USED MY PHOTO ID AND SOCIAL SECURITY NUMBER ALSO THESE ACCOUNTS ARE UNDER BANK REPUTCY I NEVER FILED FOR ANY OF THAT IN MY LIFE THIS INFORAMATION IS FALSE I WAS VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against XXXX, XXXX  and Experian CRA. On XX/XX/2020, I mailed XXXX, XXXX  and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2020-10-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: JPMORGAN CHASE & CO. (FL)

Hello, I was an authorized user on a relative chase credit card and had asked to be permanently removed from my credit report which they agreed and also have that address removed from my report as I am no longer staying there. For some reason it is still showing up. Just looking to have this corrected and moved from all credit reporting company 's as promised
Consumer complaint received 2020-10-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

THE ACCOUNTS LISTED DO NOT BELONG TO ME SOMEONE USED MY PHOTO ID AND SOCIAL SECURITY NUMBER ALSO THESE ACCOUNTS ARE UNDER BANK REPUTCY I NEVER FILED FOR ANY OF THAT IN MY LIFE THIS INFORAMATION IS FALSE I WAS VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX  CRA. On XX/XX/2020, I mailed Equifax, XXXX  and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2020-10-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (TX)

The law says, " When consumers request to lift the freeze by phone or online, the credit bureaus must take that action within one hour. '' Experian has an option for phone and online lifting of freezes. For both, after providing the social, unlock pin, and all the other details required, they direct you to mail the request to them. There is no indication of why the phone/online request failed. The mail request asks you to include half a dozen pieces of identification.

I believe this is in breach of the law requiring them to offer phone or online service with 1 hour turn around. I need to get electricity on in my apartment and it's ridiculous to have to mail in an unfreeze request. I believe this may be a malicious attempt on Experian 's part to force customers to use their paid freeze/unfreeze services. 

What options to I have to redress this? Is there a class action suit to join?
Consumer complaint received 2022-04-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BARCLAYS BANK DELAWARE (CA)

I received a promotional offer from Barclays about 0 % APR upto XX/XX/XXXX, with only balance transfer fee of 4 % and no other fee. After a few weeks into the offer i see that they have charged me a minimum payment which is due on XX/XX/XXXX. I had multiple calls with their customer service teams which i believe is based in a XXXX  country, and they keep misleading the customer by giving them false information without logging proper details of the calls to the extent of giving information which may not be true just to get an upset customer off their back, and when i have called on the following day i was given a totally different answer by the agent who handled the call at that time.I was even assured by one of their team leads in US that there will be no charge till next year XX/XX/XXXX but now they have gone and billed me a monthly minimum payment due. I would lodge a complaint for misleading me entirely not only thru false advertisement but also thru their call centers and their agents, this has negatively affected my credit score and I have spent countless hours in trying to resolve this issue without any luck, I wish to cancel my card and be compensated fairly for my losses
Consumer complaint received 2022-02-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Credit Karma (MS)

For multiple days I tried to add my XXXX  XXXX  and XXXX XXXX XXXX  to my Credit Karma Money Acct. It recognized my acct info but would not connect the accounts when they clearly show them as an option to connect or link to credit karma money acct. I would have not signed up an got funds added to credit karma money if I would have known this wouldnt have work. Causing me to be late on paying someone back I had promised to pay back for helping me with my rent due to me not working at the time cause of Covid. An also bills and support for my kids. I am very upset an disappointed. This is false advertisement. Called an spoke with credit karma customer service. The only thing they said was try to add another card. Cause they sorry the accounts dont connect to chime or varo accts. When clearly its showing once you click link accts those two as an option. Spoke with a supervisor she was unable to help me. Couldnt explain why they were on there for an option but were unavailable for use. We did troubleshooting and by uninstalling apps and reinstalling them. Still nothing work. She submitted an escalation or tech support email to see if they could assist me. But no help from them.
Consumer complaint received 2022-04-12
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: EQUIFAX, INC. (NC)

In accordance to the Fair Credit Reporting Act XXXX  account XXXX XXXX XXXX acct # XXXX, XXXX XXXX  acct # XXXX, XXXX XXXX acct # XXXX, XXXX XXXX acct # XXXX has violated my rights. 

15 U.S.C. 1681 section 602 A. States I have the right to privacy.

15 U.S.C. 1681 section 604 A section 2 also states a consumer reporting agency can not furnish an account without my written instruction.
Consumer complaint received 2020-10-14
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: T.S. Holdings (CA)

I got a phone call from IQ Data International in an attempt to collect a debt this morning XXXX XXXX at XXXX am regarding a {$250.00} charge that I owed to XXXX at XXXX XXXX XXXX. I was a resident at XXXX ( Located at XXXX XXXX # XXXX XXXX, XXXX, Ca XXXX ) for a period of 13 months, and moved out on XX/XX/2020. According to IQ Data international, I owe {$250.00} to XXXX and now my account has been sent to IQ Data to be collected. I had already contacted the XXXX at XXXX XXXX XXXX XXXX  about this matter on XX/XX/XXXX asking them to call me back because I disputed the charges and did not understand the charges. XXXX has wrongfully charged me for 1 day extra on that bill, claiming they did not get the keys from me until XX/XX/2020. Also, they claim that I have not returned all keys to them so there is a lost key charge ( {$50.00} ). There are some additional charges on the account that I was never told and I never agreed on when I had the manager over for the final walk through of my apartment. 
XXXX management has changed multiple times during my 13 months stay, and there is always a mismanagement of that place. XXXX owes me {$1500.00} for a client referral and has not paid me as of today. They referred my account to IQ Data International and this company called me this morning and the guys were super abusive on the phone. They were yelling and threatening me to pay or they will hit my credit asap. I told the guy I disagree with the charges and I am disputing and he started raising his voice and started became very hostile and abusive. Then I asked for a manager and XXXX came on the line and he was even worse than the first guy. Raising his voice yelling and threatening he will hit my credit and I must pay now. I told him I will be going to the XXXX to resolve the issue and he said they wont see me or they wont talk to me, which was not true. I went in and tried to talk to the new manager and they are gon na look into my case.
Consumer complaint received 2022-02-04
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO. (CA)

Hi there, I opened a chase checking account on XXXX at Chase XXXX XXXX branch with a promo of {$220.00} bonus ( see attached ). I've met all requirements, but bonus hasn't been deposited as committed by Chase per promo terms. I've contacted chase, they couldn't locate the promo attached to my account.
Consumer complaint received 2022-08-25
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. (NV)

TransUnion is posting three Unauthorized inquires that may be fraud related on my profile I have tried contacting the creditors to get them removed and have contacted TransUnion multiple times regarding the issue and they have not done anything about it.

The three inquires that need to be removed are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (CA)

XXXX fraudulent charges were posted to my Chase Account from XXXX on XX/XX/22 in the amounts of {$320.00} and {$100.00}. I called XXXX immediately when I found out my account had been compromised and the representative, I spoke with helped me gain access to my account. Emails from XXXX state my account was accessed via GPS in XXXX, CA while I was away travelling to the XXXX XXXX. XXXX submitted a dispute with the seller that same day. XXXX told me on XX/XX/22 not to contact my bank. On XX/XX/22 I contacted XXXX again as I was getting shipping notifications for the fraudulent charges. They told me Not to worry but that I would need to contact my bank about the charges for refund. I contacted Chase on XX/XX/22 to dispute the charges. I told the representative that I had an email from XXXX with my incident number, but the chase representative stated they did not need it. 
On XX/XX/22 I contacted Chase claims department as the charges had been placed back on my account. I was told my claim was closed and considered unfavorable and the charges we mine. These charges are fraudulent. I have attached supporting documentation. I contacted XXXX XX/XX/22 and the representative stated that their dispute was closed as the sellers the items were purchased from do not exist. I contacted XXXX about the tracking numbers XXXX provided : XXXX & XXXX and XXXX can not tell me the name and address the package was delivered to but states my name and address does not match the shipping label. XXXX can confirm the items were delivered to XXXX, CA XXXX. I did not receive any packages at my address on XX/XX/22 at the times stated delivered. XXXX states that the moment a claim is opened with the bank, they no longer have the option to offer a refund. XXXX fully admits the charges are fraud, but are unable to provide any sort of resolution on their end. 
As of XX/XX/22, Chase XXXX XXXX have both closed the claim stating each other part is responsible for refunding me for the fraudulent charges, even though both companies state the charges do not belong to me. XXXX has admitted there was an internal error that sided with the seller and allowed the packages to still ship and ultimately causing the claim to be denied by Chase. Chase misled me by allowing me to submit supporting documentation to " re-open '' my claim, only to immediately deny it stating they do not re-open fraud claims. Chase states by law they are only allowed one recovery attempt on a claim, and all efforts have been exhausted due to the internal error by XXXX and can no longer assist me. 

A police report was opened XX/XX/22 per Chase 's last response of " It might help and we can see what we can do '' with no promise of reopening my case. Case Number : XXXX
Consumer complaint received 2020-09-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have several incorrect addresses and misspelling of my name on credit reports with the 3 credit bureaus, XXXX, XXXX, and Transunion. I've attempted to resolve the issues by disputing information and they continue to denied my disputes.
Consumer complaint received 2020-10-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. IT HAS YET TO BE SETTLED. I SENT MULTIPLE DISPUTES INCLUDING FACTUAL DISPUTE. 

INTIAL DISPUTE : XX/XX/2020 30 DAY DEMAND : XX/XX/2020 FACTUAL DISPUTE : XX/XX/2020 FACTUAL DISPUTE 2 : XX/XX/2020