davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-11-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (CO)

XXXX  XXXX XXXX Chase Bank authorized transaction on a business credit card that had been closed for almost a year. Contacted Chase Bank and the issue is hopefully resolved but my faith is low. Only knew about it because my personal email receives the business statements and the account is paperless and has automatic payments setup. 

Today, XXXX/XXXX/2020, I received an email from Chase Bank about a credit card payment due next month. I didn't recognize the last four digits of the credit card, so I called Chase to report fraud. Come to find out that the credit card being charged is my CLOSED business credit card from my CLOSED business and the business checking account to get the credit card is CLOSED. All balances were XXXX. I can not access statements or any information about those accounts from their website. The business checking and credit card were closed at a local Chase Bank branch with the Bank Manager. Chase Bank is the fraudulent entity here. 

Chase Bank authorizes transactions on closed credit cards and the account holder can be blindsided with fraudulent charges, rapidly accruing fees, and poor credit reports. All without the account holder knowing. I only knew because I have the CLOSED credit card statements sent to my personal email. But that account shouldn't exist and should be closed. But it's not. The account holder carries way too much risk here. This loophole that Chase Bank is allowed to exploit can ruin someone without their knowledge. Chase Bank is authorizing charges on closed credit cards.
Consumer complaint received 2023-03-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Re : XXXX Account Under the Fair Credit Reporting Act 15 USC 1681 this disputed item may not appear on my credit report if it can not be supported by any evidence.I have sent two letters to Creditors and Credit Reporting Agencies to produce evidence ( signed contract, billing statements, payment history ) that the debt is mind and they have not been able to do so. 

Contacted Creditor asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me therefore you are reporting misleading false account. 

I have also submitted my credit card statement where the alleged amount owed was paid and the account closed therefore it is misleading to continue to report fraudulent information on my credit report.
Consumer complaint received 2021-08-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ROBINHOOD MARKETS INC. (IL)

as of today XX/XX/XXXX Robinhood as locked my account for no reason I been with the company since XXXX i.jave weekly deposits for jobs and ect ... nothing new all the same transaction everyweek. 
I contacted Robinhood they said I had a restriction on my account so sent the documents they asked for so.they can resolve it ( never told me why my account was in a restriction ) I never violated any contract agreements as of today I have {$1200.00} in my account that I can not get off and I have talked to them three times and they have not responded its been 4 hours now n they blocked me from calling them.. they are hackers they steal money for fun I guess. Robinhood is wrong on so many levels.. I did everything they asked
Consumer complaint received 2020-11-18
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (IN)

I got a letter from Citibank on XX/XX/2020 saying my checking account will be closed in 60 days. There was a remaining fund when the account was closed. The amount was {$77000.00} ( as showing on the final statement ). 
The ACH transfer of {$76000.00} on XX/XX/2020 was returned to the original bank on XXXX/XXXX/2020. So there should be a {$700.00} remaining fund on the account. 
I have never got the refund check for that amount. I have contacted customer service countless times and they were unable to help.
Consumer complaint received 2017-11-03
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: CITIBANK, N.A. (TX)

I applied and got approved for CitiBusiness AAdvantage Platinum Select card on XX/XX/XXXX. The card had a bonus offer of XXXX AA miles after spending {$3000.00} in purchases within the first 3 months of account opening. On XX/XX/XXXX I called to inquire about not receiving the card. Also, I wanted to confirm the above XXXX bonus miles was attached to my account. To my surprise, XXXX an Account Manager in XXXX XXXX in Florida claimed that I was n't eligible for any bonus offer since I had another CitiBusiness  account closed within the last 24 months. I explained to XXXX that I did n't have any Citi Business cards for the last 4-5 years. He claimed that I had the same account type closed in XX/XX/XXXX which is not true. I asked if he could tell me when was the last time I paid the annual fee on that card, but he claimed that Citibank had recently migrated their data to a new system and therefore he was unable to retrieve any data for that account!
Consumer complaint received 2023-03-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Please note, THIS NOT A DUPLICATE COMPLAINT, I'm sending this complaint because of new evidence and because Transunion Credit Bureau has rejected my dispute as I found out today on XX/XX/XXXX  by phone call to Transunion. 
I been told that my personal information is incorrect or not matching with my proof of address or my FTC report, So FIRST I want to as Transunion to update my personal information on my report : I'm providing my proof of address as well and my current address is : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, FL XXXX. 
Also there is one hard inquiry on my report that I have never authorized and I have filed FTC report for that matter, I believe I'm a victim of Identity theft and that hard inquiry is the result of fraud. This is not a factual data and must be removed from my report as soon as possible. My report number is : XXXX. 
Please update my personal information on my report and remove that fraud inquiry from my report immediately.
Consumer complaint received 2020-11-18
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: CITIBANK, N.A. (IN)

I opened a savings account with Citibank. In one fell swoop, one day later, they removed {$250000.00} from my checking account. I did this because they a decent interest rate. I went to get my money back a month later for a real estate transaction, and they say I can only withdraw {$15000.00} a month. It will take 18 months to get my money back. On top of that, their website won't even let me withdraw that amount. It just says it is too much. I've spent countless hours in chat boxes and on the phone trying to get my money. They offer to send it back in chunks if I will pay fees for doing so. But even at that, I can not do it in one transactions, only in a series of separate transactions. 
When I did get one transaction for {$7500.00} to go through, they took the money out of my account and held it for five or six days before sending it to my bank. For a money transfer. They had no trouble when the money was inbound, getting the transaction done in a few seconds. They are not paying interest on the {$7500.00} while they hold it " en route ''. 
Finally, they should have disclosed I could not retrieve my money for a year and a half if I opened this account. A CD would have made a lot more sense and been far more flexible than their so-called savings account.
Consumer complaint received 2023-03-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 company 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 2023-03-06
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. (IL)

In accordance with the Fair Credit Reporting act, XXXX XXXX  XXXX Account # 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.
Consumer complaint received 2023-03-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

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. 
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. 


XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : XXXX
Consumer complaint received 2023-03-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

i sent a letter out XXXX XXXX to XXXX, TransUnion, XXXX and the Creditor. Here is my tracking XXXX, XXXX. However, its been more than 30 days and the credit bureaus and creditor failed to send my investigation back. This is not making any sense. 

According to the law 15 USC 1681i Permissible purpose of consumer reports- Procedure in case of disputed accuracy. If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer and the notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the dispute information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Consumer complaint received 2017-11-02
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Law Office of Charles G. McCarthy Jr. & Assoc. (KY)

XXXX XXXX XXXX repeatedly contacted me to collect a fee I did not believe I owed. Despite communicating with them regarding my dispute they continued to add fees to the original amount claimed. They made repeated phone calls including calling me and leaving a message from an unlisted number. They have proceeded to turn my account over to The Law Offices of Charles G. McCarthy, Jr. and Associates for collection despite my good faith efforts to confirm and resolve fees owed in a timely manner to the original creditor. They failed to correspond with me for over three months following final payment to original creditor to indicate that they still claimed I owed fees and instead turned my account over to the aforementioned law office. This resulted in additional fees from the law office. The fees charged by XXXX XXXX XXXX and Charles G. McCarthy and Associates are inconsistent, unclear, and not supported by the terms of the financial agreement I signed with the original creditor leading to confusion regarding debt owed. This financial agreement specifically states that I owe expense incurred by " my provider '' in collecting balance owed. According to provider, this obligation was met when the {$30.00} collection fee was paid. Finally, law office left message on XX/XX/XXXX requesting I call. The call was returned by me on XX/XX/XXXX. XXXX XXXX at law office claimed that a letter had been sent to me onXX/XX/XXXX confirming the debt I owed. I informed him that I never received any such letter from the law office, despite residing at the same address XXXX XXXX XXXX and The Law Offices of Charles G. McCarthy, Jr. and Associates have utilized previously.
Consumer complaint received 2017-11-02
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NJ)

XXXX closed account, reversed debt from {$400.00} to {$0.00} on XXXX/XXXX/XXXX, and removed all late marks on XXXXAll is fine with XXXX. Negative remarks need to be removed on Experian and XXXX.
Consumer complaint received 2017-11-03
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: RevMD Partners, LLC. (UT)

There were 2 separate accounts from REVMD PARTNERS LLC placed onto my credit report XXXX 2017 showing as collection accounts. I was never made aware of any debts before placing them for collections in writing or otherwise. The original creditor name shows on my credit report as XXXX HOSPITAL. I have never visited or been to this hospital as it appears to be located in South Carolina.
Consumer complaint received 2023-03-06
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. (OK)

I have send roughly ( 5 ) FTC reports pertaining to XXXX XXXX which is a credit card that has been showing up on my report, Furthermore, Trans Union correctly continues to remove the account, however it also continues to allow XXXX XXXX to continue to reinsert the account into the report after it has been removed for fraud. Therefore, it does not seem to be permanently deleted as XXXX XXXX continues to abuse the credit reporting process as Trans Union has not taken steps to curb this conduct by XXXX XXXX. I have since sent in another FTC report with the same information to be deleted.
Consumer complaint received 2019-04-26
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: SUNTRUST BANKS, INC. (NC)

I canceled my debit card with Suntrust because the card was lost or stolen. I was issued a new debit card with a new card number. I did not give out my new card number to XXXX. I decided that I no longer wanted to do business with XXXX. XXXX kept trying to charge without my consent but I ignored it because I had a new card number. To my dismay XXXX charged my new debit card. I did not give out the new card number. I called Suntrust and they said that Mastercard gives the merchants your new account numbers if the merchants are part of a program. I could not believe what I was hearing. I talked to a supervisor and they said they same thing. So my problem is Mastercard should not have to the right to hand out my debit card number to people without my consent or knowledge. That makes me feel that my money is not safe at all. Anyone can have access to your old card number and try to purchase something. Mastercard will allow Suntrust to let those charges go through that is what I was told.
Consumer complaint received 2017-11-03
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Fitzgerald & Campbell, A Professional Law Corporation (CA)

They call daily to say they are processing papers for court ( to take me to court ) Both me and my XXXX year old mother. They are also contacting family members. They say they have to get us processed for court and that our legal rights will be forfeited once they file with the court. When I call them they are asking for a {$500.00} processing fee with credit card only. I will not pay this and I believe this is an old debt. I believe this is a scam. They will not give me the name of the collection firm, so I am not able to send a stop contact letter. I want this to stop.
Consumer complaint received 2023-03-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

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. 
XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX Account number XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXX Account number XXXX XXXX DEPT.OF SOC.SERV.-CHILD SU Account number XXXX XX/XX/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 2020-02-10
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Ditech Financial LLC (NC)

I have been contacting them for over 1 year and trying to dissolve this. Our original contract said our last payment was XX/XX/2019 we had deferred 2 payments so I sent our last payment XX/XX/2019. After calling numerous times we were then told that we still owed XXXX dollars. So we got to checking our payment history I called Dietech and ask what the insurance was for and was told it was because we did not have Homeowners Ins. I sent proof we had never had a lapse in coverage and that they had taken out over XXXX dollars for insurance but as of today they still will not release our deed.The first page I sent is from our attorney to them, the second is showing the letter from there attorney showing we had no reagages and were up to date then the third is from Dietch and the last three are showing just some of the pages where they charged us ins.
Consumer complaint received 2020-02-10
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Kashia Services (AL)

My employer received a fax from XXXX XXXX  that requested they garnish my wages with notify me or filling through the court to the best of my knowledge this was not done because I have not been served any paperwork by this company. This company is not one I have ever heard up, paper work they sent to my employer it was for a company Solid Oak Finance which I had done business with but not sure if this is a valid debt. I have not been contacted to my knowledge by Solid Oaks about anything owed. If I own the debt I would like to make restitution but I would like the opportunity to accomplish this before a garnishment is attempted. The amount stated as being owed in {$850.00}. I found your information from an article detailing the this company is not a licensed debt collector and in some states and suggested that if I was concerned to notify your agency. This information was noted at http : //dfi.wa.gov/
Consumer complaint received 2023-03-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX