davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-12-17
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (TX)

I have been a loyal Citi customer since Fall XXXX and hold multiple accounts, including : XXXX. Citi XXXX XXXX XXXX ( Account Ending XXXX ) : Opened XX/XX/XXXX. 
XXXX. Citi XXXX XXXX Card ( Account Ending XXXX ) : Opened XX/XX/XXXX. 
XXXX. Citi XXXX XXXX Card ( Account Ending XXXX ) : Opened XX/XX/XXXX. 
XXXX. Citi XXXX Account : With over {$260000.00} in assets, connected to my Citi XXXX account. ( the actual current number I am unsure of since I lost access online and can not see how much I have with the bank ) In XX/XX/XXXX, Citi abruptly closed all my credit card accounts and, shockingly, also closed my Citi XXXX account, which resulted in me losing online access to my Citi XXXX account. I have been left completely in the dark about how to manage my investments and access my fundsthis is unacceptable and deeply concerning. 

Additionally, I encountered the following issues with my credit card accounts : 1. Points Cancellation : - I earned approximately XXXX Citi XXXX XXXX through spending and the opening bonus on my two Citi XXXX XXXX cards. I completed the {$4000.00} spending requirement on both cards, yet Citi unjustly cancelled all my earned points after closing my accounts. 
2. Annual Fee Refund : - I was charged annual fees for both Citi XXXX XXXX cards, and these fees have not been refunded despite the premature closure of the accounts. 

This treatment is outrageous, especially given my longstanding relationship with Citi and the significant assets I hold in my Citi XXXX account. I feel betrayed as a customer and am appalled at the lack of transparency and support in resolving these issues.
Consumer complaint received 2022-09-26
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: EQUIFAX, INC. (TX)

Equifax failed to conduct a proper investigation and are willfully reporting inaccurate information on my credit report. I have made several attempts to get it fixed and they have repeatedly violated the FCRA. My most recent letter to them was on XX/XX/XXXX and they have not investigated because they never provided me with any results or response. I have also tried to fix this with the creditor, but they only referred me back to Equifax.
Consumer complaint received 2020-08-20
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO. (FL)

I have a overdraft account that is very messed up my name is XXXX XXXX and the matter isn't resolved and it's very overdraft by XXXX so I would like a compensation or to sue them as a bank.
Consumer complaint received 2020-08-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2020-08-20
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRUIST FINANCIAL CORPORATION (OH)

Regional Acceptance has placed negative information on all of my credit reports without any notice to me. I have sent them a validation letter via Certified USPS mail and have proof they have received it. I have asked them to validate this unsubstantiated claim. 

Also under the Fair Debt Collectio Act, this item needs to be REMOVED while a dispute is under investigation, and if validation and items requested in the validation letter are not provided then Regional Accep [ tance needs to permanently remove this reporting from all 3 credit bureaus. 

Regional Acceptance has hundreds of complaints against their collection practices online.
Consumer complaint received 2023-05-18
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: EQUIFAX, INC. (IL)

Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. 

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2020-08-20
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P. (OH)

Resurgent Capital Services aka LNVN Funding has placed a collection account on all 3 of my credit reports for {$310.00} on XX/XX/2017 to which I have no knowledge. I have sent them a validation letter via certified USPS mail and have proof they have received it. ( copy attached ) Under the fair debt collection act as long as this item is not verified or in dispute it needs to be removed. If Resurgent/LVNV Funding can not provide the documentation asked to be provided by me this item needs to be permanently removed from my credit files immediately. 

Resurgent Capital Services is formerly known as LVNV Funding had over 445 complaints on their collection tactics and ethics with the XXXX XXXX XXXX 

This business currently has nearly 5273 complaints filed with the Consumer Financial Protection Bureau as well.
Consumer complaint received 2022-01-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO. (FL)

Upon reviewing my credit report, I recognized unauthorized reports on my account. I reported to JP Morgan Chase that they have broken the law of reporting late payments to CRAs WITHOUT my written consent. They could not verify the alleged debt and the CRAs are all reporting something different on this account. I have reached out to the CEO of Chase as well as the credit reporting agencies and neither parties have fixed this issue in as timely manner. 

My initial attempt was taken place on XX/XX/XXXX. 
My second attempt was XX/XX/XXXX. 
My third attempt was XX/XX/XXXX. 

In addition, I have been harassed MULTPLE times in attempt to collect alleged debt. This receiving multiple phone calls at inappropriate times which also is in violation of Fair Debt Collections Practices Act 15 USC 1692g violations.
Consumer complaint received 2020-08-20
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Synovus Bank (FL)

On XX/XX/XXXX Synovus added {$7100.00} to the principal balance of my mortgage. On XX/XX/XXXX I called their customer service # to find out what this is for. They could not provide an explanation as to why this happened. I have made all my payments on time and have no idea why they added this amount to my balance. I want this reversed ASAP and any interest credited back.
Consumer complaint received 2020-08-20
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: SUNCOAST CREDIT UNION (FL)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2022-07-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (IL)

XX/XX/2022 - {$620.00} was directly deposited from my account without my authorization and against Federal COVID relief regulations -called Feloan, explained the situation, and was told they will refund the moment it post XX/XX/2022 -Money was returned by my bank XXXX XX/XX/2022 -Fedloan made a second attempt to take out money and unfortunately, it went through because my paycheck was directly deposited -immediately, called fedloan, explained the situation again, the immediately stated the will provide a refund but never stated how long it will take XXXX XXXXXXXX XXXX -called to check on status of refund status, its pending, talked to customer service rep and was told 2-3 months before money is refunded XX/XX/2022 -spoke to manager and supervisor and was told there was nothing they can do on their end, the request has been sent to the treasury department, they are backed up with other refunds , and it may take a while. 
-was told any overdraft fees I receive, send a letter to fedloan requesting they refund, and to file a complaint on this website. 

I need help with expediating my refund. I have other bills to pay and I cant pay them when my checking account is in a negative
Consumer complaint received 2021-06-06
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (FL)

I opened a Coinbase.com account and I was able to buy some coins but they put {$15000.00} of my money in a default Portfolio and every time I try to buy coins even if its {$10.00} it says " Insufficient funds '' I am XXXX years old, a senior citizen, and have already asked them to help with this but no answer. This have been going on for some time now. 

My email is XXXX Please get involved because I have read online that the same thing is happening to others I thank you XXXX XXXX
Consumer complaint received 2020-08-20
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: Experian Information Solutions Inc. (CA)

Upon checking my XXXX account through Experian, I noticed student loan accounts in my name from the University XXXX XXXX, XXXX. 

I never attended the University XXXX XXXX, XXXX in my life and have never taken courses at the university. Most importantly, I never applied for financial aid and/or take out student loans through the University XXXX XXXX, XXXX. 

I believe someone committed fraud and stole my identity to perpetrate this massive crime in my name at the University XXXX XXXX, XXXX.
Consumer complaint received 2020-08-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Upon checking my XXXX account through XXXX, I noticed student loan accounts in my name from the University XXXX XXXX   XXXX. 

I never attended the University XXXX XXXX XXXX in my life and have never taken courses at the university. Most importantly, I never applied for financial aid and/or take out student loans through the University XXXX XXXX XXXXXXXX. 

I believe someone committed fraud and stole my identity to perpetrate this massive crime in my name at the University XXXXXXXX XXXX   XXXX.
Consumer complaint received 2022-11-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

1. Unverified Account DEPT OF EDUCATIONXXXX Account Number : XXXX 2. Unverified Account DEPT OF EDUCATION/XXXX Account Number : XXXX 3. Unverified Account DEPT OF EDUCATIONXXXX Account Number : XXXX 4. Unverified Account XXXX XXXX XXXX Account Number : XXXX 5. Unverified Account XXXX XXXX XXXXXXXX Account Number : 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 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-11-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (TN)

1.I have never had an account with this company ERC XXXX XXXX REMOVE from all credit agencies from reporting. 

2.consumer means any natural person obligated or allegedly obligated to pay any debt. According to 15 U.S. Code 1692a ( 3 ) 3.This letter is in pursuing 15 U.S. Code 1692c ( c ) Ceasing communication 4.I am the consumer mentioned in 15 U.S. code 1692a ( 3 ) You are ERC the debt collector 15 U.S. Code1692a ( 5 ) I am invoking specified remedies under use 15 U.S. code 1692c ( c ) ( 2 ) as a creditor I am demanding you to terminate all farther efforts pursing to 15 U.S. Code 1692c ( c ) ( 1 ) 5.I am the executor under the 15 U.S. Code 1692c ( d ) pursing to 15 U.S. Code 1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) ( 2 ) and ( 4 ) 6.According to 15 U.S. Code 1962e ( 8 ) Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed.

7.15 U.S. Code 1692e ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value. 

8.As mentioned in the 15 U.S. Code 692f Unfair practices ( 8 ) 9.While pursuing to 1692g ( b ) while the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt.

10.15 U.S. Code 1692k Civil Liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) ( 2 ) ( A ) ( B ) ( 3 ) 11. Mentioned in 15 U.S. Code 1681a ( 3 ) ( 3 ) Restriction on sharing of medical information. Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) ( B ) ( C ) Ive pointed out many violations your company is in pertaining to the U.S. Code 1692 and 1681.
Consumer complaint received 2023-01-09
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. (NH)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2020-09-23
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: NAVY FEDERAL CREDIT UNION (MA)

I was preapproved for a auto loan by Navy Federal Credit Union. While car shopping i stopped at a used car dealer called XXXX XXXX XXXX. They advised me they had the truck I wanted coming in and when they got it in, I would receive a phone call. They held on to my preapproval letter and my check. I never received a call and left for training. I later found out that my preapproval letter was cashed for the total loan amount of {$21000.00}. I was contacted by Navy Federal who was inquiring about the Title for the vehicle that I never received. Navy Federal Rep advised me that they did not know why the check was cashed because that dealership was blacklisted by Navy Federal. I went to the dealership to get some answers and found out that the dealership was closed down. I was told by Navy Federal Reps that they could do nothing. I reported the Fraud to XXXX Police who investigated the incident.
Consumer complaint received 2022-01-04
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I was told to contact your organization in regard to Bank of Americas unethical closing of prepaid card holder EDD accounts. 
In XXXX, I received a notice to verify my identity with EDD. My Bank of America account was closed. I sent my Identity documents to EDD. They were accepted and approved. Bank of America has been notified that my identity is verified with EDD, they still wont open my account. 
I have called and called and been sent back and forth. Ive spoken with managers, supervisors, the fraud department, the risk department, they say go to the bank without listening to a word I have to say. They dont want to help, they want to keep my money and every dollar in the prepaid customer unemployment insurance and pandemic funds they are improperly managing. I will not leave my home. XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I am more susceptible to infection, it is not worth risking my life to go to the bank. Especially not when my sponsor has confirmed my identity and they have not asked the bank to intervene and close my account until I prove who I am. I have already done that. 
Like I said, this is just a rouse to keep all the money they can for as long as they can. And if there is a pandemic, such as the one now, that the government has deemed dangerous and so severe that they passed a bill for federal funding to be available for all workers so people would stay at home, not get sick, and not spread the flu further, then Bank of America had better accept that the people that were forced to stop working, stay at home, and claim the pandemic funds as needed so the economy doesnt collapse, that some of those people will not leave their house. Not for food, not for family, not for money. And absolutely most certainly not at the demand of a bank that is wrongfully closing accounts and refusing to reopen them in the name of account security and fraud prevention, when they know XXXX XXXX  what they are doing is wrong. 
I cant fight them anymore, it has been nearly a year. Please resolve this now. If I can be of assistance, do not hesitate to call me any time.
Consumer complaint received 2020-09-23
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: DISCOVER BANK (TX)

XXXX - Purchase date for 3D printer - I paid with my discover card through XXXX to the manufacturer XX/XX/XXXX - Asked to return the printer ; return label was sent by manufacturer XX/XX/XXXX - shipped the printer back to the manufacturer?? Filed a dispute with Discover card to stop payment on the faulty printer XX/XX/XXXX - Discover denied the dispute ; we appealed XX/XX/XXXX - Discover denied the dispute ; we appealed XX/XX/XXXX - Discover denied the dispute ; we appealed XXXX - Threatened the manufacturer with charges of theft ; at this point they had my money and the returned printer, from my perspective. 
?? - Manufacturer got back with me via phone and said that XXXX told them that Discover ruled in favor of ME in the dispute. Discover denies this. Manufacturer agrees via email to refund me the money, but won't do it until the payment is processed through to them. Manufacturer says that XXXX is telling them that they haven't received notification from Discover that the dispute has been resolved in the manufacturer 's favor. 

Today, I spoke at length with Discover asking them to email me proof that the dispute resolution has been sent to XXXX. They agreed to mail me a copy of what they've already sent me, but will not produce proof of what they sent to XXXX. Discover will not send the required notification to XXXX to release the payment to the manufacturer, therefore the manufacturer will not process my refund. 

Now, I don't have the money ( ~ {$1900.00} ), I don't have the faulty or a working 3D printer, and I don't have any way to prove to the manufacturer that they will get paid so that they can refund the money. To the best of my knowledge either XXXX or Discovercard has the money. The manufacturer has the returned printer. I have nothing. 


Purchased a 3d printer to make masks for local first responders due to COVID. Time sensitive purchase. The printer came in and never worked correctly, so I returned it. The manufacturer at first told me that they couldn't refund my money because of their return policy. So I began a dispute with Discover Card. 

Discover Card ruled in favor of the manufacturer.