davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-26
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. (LA)

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 

1. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX Account Number : XXXX Delete this account. 

2. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 

3. 15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE XXXX XXXX  Account Number : XXXX Delete this account. 

4. 15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE XXXX Account Number : XXXX Please remove it from my credit report. 

5. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2022 Please remove it fr
Consumer complaint received 2023-07-26
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. ()

On XXXX XXXX I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into hands of the wrong person. ''
Consumer complaint received 2019-05-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (IL)

In XX/XX/2019 I opened new checking and savings accounts with Citibank. I then transferred {$15000.00} to these accounts and set up direct deposit of my job salary into the Citibank checking account. I also established web access to the account portfolio. Soon I received the checkbook from Citibank via US mail. 

On XX/XX/XXXX, to pay federal and Illinois taxes, I wrote two checks from my Citibank checking account : check # XXXX in the amount of {$1200.00} to Illinois Department of Revenue and check # XXXX in the amount of {$3900.00} to IRS. 

By Thursday XX/XX/2019 by going through the Citibank web portal, I saw that both checks have arrived to the bank, were in the " clearing '' status momentarily, but very soon both checks vanished from the portal view. I called Citibank where CSR told me that both check were " recalled '' by senders. He could not elaborate what this meant so I asked to talk to a supervisor. Supervisor XXXX (? ) assured me that both checks were being cleared as a part of a normal processing and advised to check back after the weekend. 

After the weekend nothing has changed and I went to a physical XXXX location for answers. There I was advised that my checks would not be honored because of the Citibank policy that " the first two checks on the new accounts are not honored until the account holder calls in ''. 

In conclusion, Citibank broke its fiduciary duty by refusing to clear checks while the account had more than sufficient funds and in good standing Citibank failed to notify me of an apparent and obscure policy that I needed to call in before using the checks Citibank never made an effort to contact me when it received the checks, despite being in possession of all my contact information, including the Secure mailbox on their web portal. They just quietly dishonored the perfectly valid checks. 
Citibank 's phone reps gave me conflicting and erroneous information about the status of the checks As a result I incurred substantial penalties from the IRS and Illinois Dept. of Revenue ; spent  numerous hours resolving the issue and still facing the consequences of Citibank 's misdeed.
Consumer complaint received 2023-07-26
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company (GA)

I received a notice from Freedom Mortgage in XXXX of XXXX, dated XX/XX/XXXX about my mortgage PMI not being paid and I owed them {$5300.00}. Freedom Mortgage acquired my mortgage from XXXX XXXX on XX/XX/XXXX. 

I was informed I had two options : Pay the full amount of {$5300.00} or my monthly payments would be increased from {$1800.00} to {$2500.00} monthly. ( A {$760.00} increase monthly for 12 months ) They gave me no other choice and demanded that I pay the increased amount. The mortgage company decides to raise your mortgage and you have no way to fight the decision. You either pay it or they Foreclose on your home. 

Before my mortgage was sold to Freedom from XXXX XXXX  my mortgage was {$1800.00} and XXXX XXXX had the PMI removed in XXXXXXXX XXXX XXXX ( See PMI removal letter Attached-Letter dated XX/XX/XXXX ) For 6 months ( XX/XX/XXXX until XX/XX/XXXX I paid {$1800.00} to Freedom Mortgage and in XX/XX/XXXX I received the letter requiring and increase for the PMI. 

I spoke with Freedom Mortgage and they stated that the information was not transferred to them and they would contact XXXX XXXX. I have gone back and forth with Freedom Mortgage for months while all this time they have been sending me monthly statements at the {$2500.00} rate for the last 6 months. 

I have spoken to Freedom Mortgage over 20 times trying to get this issue corrected and get some relief ; the extra {$760.00} added to my monthly payment has put a tremendous strain on me and my family. I am struggling every month to pay this outrageous increase. I do not know how long I can keep it up, I am at the bare minimum of my finances. 

Just recently Freedom Mortgage stated that XXXX XXXX made a mistake when they removed the PMI by using the wrong chart and that XXXX XXXX has admitted to their mistake. This does not solve my problem and I do not like being in the middle of two mortgage companies issues, and the one who is suffering is me. I am the one that they have screwed over and raised my mortgage to an amount that I will eventually be forced into Foreclosure. I need the CFPB to step in and assist me. I can not fight giant Mortgage companies.
Consumer complaint received 2023-07-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Self Financial Inc. (NY)

XXXX XXXXAmount {$280.00} closed account.My report include accounts with a reported name that is different that mine .I dont recognize the accounts in question.The reports shows I owed money to an account that is not mine.The current status of my account is not correct.
Consumer complaint received 2023-07-26
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

On XXXX XXXX I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into hands of the wrong person. ''
Consumer complaint received 2023-07-25
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: EQUIFAX, INC. (IN)

THESE ACCOUNTS AND INQUIRIES ARE INVOLVED IN LITIGATION AND DOES NOT BELONG TO ME. I NEVER ESTABLISHED THESE ACCOUNTS. THESE ACCOUNTS ARE A RESULT OF FRAUD. I WAS CONTACTED BY A COLLECTION AGENCY REGARDING THE ACCOUNTS THAT WERE OBTAINED UNDER MY NAME. I HAVE NO KNOWLEDGE OF OBTAINING ANY OF THE ACCOUNTS LISTED HERE IN THIS AFFIDAVIT REPORT, AND WAS TOLD THAT I NEEDED TO COMPLETE THIS AFFIDAVIT, ALONG WITH SUBMITTING MY PERSONAL IDENTIFICATION TO HAVE THE SUSPECTED FRAUDULENT ACCOUNTS INVESTIGATED AND REMOVED IMMEDIATELY.
Consumer complaint received 2023-07-26
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Winklevoss Exchange LLC (TX)

Ticket ID : XXXX See below. I have reached out to the support staff several times. In response I usually receive elusive responses. I have screen shots showing that the maximum amount of XXXX I can sell is XXXX XXXX XXXX, it varies every day. I have attempted limit sales and the market rate mysteriously drops below my limit as soon as i post it. It is not a significant amount of money, but it's my money. I should be able to sell it at a market/limit price as i please. See email exchange below. 




Hi XXXX, Thank you for following up! 

After reviewing your account, I can confirm that there is no restriction on your account, you should be able to sell all your available XXXX. 

Please try to sell them one more time. If you encounter any issues when trying to sell your XXXX, please let me know so I can further investigate with our internal team. 

XXXX and XXXX, XXXX On XX/XX/2023 at XXXX? XXXX, XXXX XXXX wrote : Hello, I would like to liquidate the XXXX funds in my account but Gemini does not allow me to sell them. Currently there is a balance of XXXX XXXX. I would like to liquidate all of this and then transfer the money out of my account. Why is the XXXX sell limit only XXXX. I will lose a lot on gas fees. Can Gemini just buy back/credit/liquidate the QRDO then we will freeze my account. 




On XX/XX/2023 at XXXX? XXXX, Gemini wrote : XXXX XXXX, Thank you for reaching out! 

We apologize for the inconveniences that have been presenting up until the present time. 

I do see that you have funds in the earn program and Gemini is working hard to expedite the return of funds to you through XXXX bankruptcy. As we are unable to provide you with a specified time of when this process will be completed, as an alternative to closing your account, we can go ahead and freeze it until your funds have been returned. 

Please let me know if you want us to proceed with this option. 

XXXX and XXXX, XXXX On XX/XX/2023 at XXXX? XXXX, XXXX XXXX wrote : Good day, I have several small balances of alt coins I tried to sell. I want to liquidate everything and close my account. Currently Gemini has approximately XXXX of my money XXXX and is not allowing to withdraw it. I want my earn balance and XXXX if full. Currently Gemini does not want to return either in full. How long will I wait and when will I get my earn and XXXX balance in full.
Consumer complaint received 2019-05-21
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: WELLS FARGO & COMPANY (CA)

My wages have been garnished I had no clue called to find out what it was about and they would only tell me it was a Wellsfargo debt and I owed over XXXX theyd remove garnishment if I agreed to pay XXXX by XX/XX/XXXX and XXXX a month for 57 months this debt is over seven years old or older. Im XXXX and on a fixed income income I tried to tell them but they didnt care
Consumer complaint received 2023-07-27
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: First Technology Federal Credit Union (IL)

I was approved for a {$5000.00} personal loan from First Tech Federal Credit Union on XX/XX/XXXX. After a review, I was informed that there were issues identifying me even after I had provided normal identity documents. I was told that my loan could easily be processed if I could go into a branch over 1000 miles away. So on XX/XX/XXXX I went into the XXXX branch provided normal identity documents, then my birth certificate, a letter from the social security department, several credit cards. So upon requesting an update, I was informed the bank employee believed I was self employed, and that to complete my loan id have to provide tax information. I provided W-2 for two years, they then requested completed returns, I provided completed returns. Now they said they needed additional verification of my social, I provided a picture of my card, a letter from SSA.gov of me ordering a new card, a letter from the SSA verifying my ss numbers, then the new card, front and back. I was then informed that my approved application was denied per not being able to identify me. I leaped every requested hurdle, and policy and could only be denied by racial discrimination. I even questioned how if I wasn't identified how my account remained open for days, after my question, my account was disabled for fraud, while there hadn't been any transactions except the initial opening.
Consumer complaint received 2023-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IL)

I have incorrect increase showing on my account when I had a freeze and on my three credit bureaus for the past 6 years! Those inquiries are fraudulently done I am a victim of fraud I sent in several copies of police reports and they still Place those inquiries on my report hard and soft! Also they are showing public records of bankruptcy XXXX  XXXX and XXXX which is 7 years old XXXX  XXXX they told me they going to keep it on there for 10 years when I contacted the consumer they said they never report information to any credit bureaus and also gave me a letter to send to them and spoke with them on the phone and they still keep that public records on my credit report I want them removed they are falsifying in line saying they contacted the bankruptcy courts and they reported the bankruptcy to them which is false information I want my XXXX  XXXX and XXXX removed it's stopping me from purchasing a house as a first time homeowner! I also have accounts on there that's closed out and old with inaccurate information and also have accounts on there that's not even me saying that I'm an authorized user on a credit card I never in my life on the credit card I sent the police reports I'm a government employee at the post office in all of our information had been breached it was on all national news channels everyone knows this ever since then five years ago I've always had a freeze on all three of my credit reports even XXXX XXXX  and I don't understand how these accounts are being placed on my credit reports every month some of them you can look and see the dates that is fraudulently done they're back to back please have them to remove this false information on my credit report ASAP they investigated and it's constantly keeps it on there I want this stuff off so my credit score can go up I even have accounts that I paid off and they still reflecting on my credit report! They keeping my credit score at a XXXX this is ridiculous someone need to get to these credit bureaus all three of them and stop letting them fraudulently put information on people 's account saying that they getting public information from the vendors when they're not! I want those bankruptcies move both of them!
Consumer complaint received 2023-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: WELLS FARGO & COMPANY (CT)

Wells Fargo XXXX  added a loan for a car that I did not have. It was purchased in XXXX and charged off in XXXX. I contacted them several times. Turned down money they tried sending to me. Today they added it as new debt to my XXXX Credit Report. It was on XXXX than removed now it is on XXXX. This just will not stop.
Consumer complaint received 2023-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (NY)

There are 2 lates that are showing on my credit report for my XXXX XXXX XXXX credit card when they weren't late and hte company had issues with there website and was down when i tried to make the payments. 

It was in the month of XXXX and XXXX of 2023. The company is going through a bankruptycy and the card site was down. They didnt mail me the statement till after the due date also.
Consumer complaint received 2023-07-25
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: EQUIFAX, INC. (CA)

I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report.
Consumer complaint received 2023-07-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY (CA)

I received an email saying a virtual card number was opened for my card. I didn't request anybody to open a virtual card number on XXXX XXXX. Please investigate why such an email was sent to me. 

Your Card has now been enrolled for an American Express virtual card number Is this normal? Would this impact my credit history?
Consumer complaint received 2023-07-26
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: Bread Financial Holdings, Inc. (NV)

On XX/XX/2023 I signed into my XXXX account which has my credit card on file and noticed fraudulent charges. I am mediately notified XXXX and told them to cancel these fraudulent Purchases, That were made online and were being shipped. They told me to contact my credit card company. I immediately notified COMENITY capital Bank my credit card holder. After her reporting the fraud, my credit card was canceled a new one was issued. Comenity capital bank told me not to worry these are fraudulent charges I would not be held responsible. Even so I notified XXXX and XXXX and told them of these fraudulent purchases they both told me that they could not cancel the shipment only the center XXXX could do that! They would not tell me the address these items were being sent to but they did confirm it was my ZIP Code but not my address. I noticed that the company The items was being ordered from was called the way well and try to find them on the Internet I could not find this company however through XXXX I was allowed to contact them as a third-party I informed them that these were fraudulent purchases coming from their company and being sent to a fraudulent address! They never responded. I also contacted XXXX XXXX XXXX and Comenity bank via XXXX. Trying to stop these fraudulent purchases before they were sent as they were purchased online in a week went by before these were actually sent. {$150.00} / {$190.00} / {$190.00} after constantly worrying and much time trying to stop these fraudulent purchases Comenity capital bank sent me a letter in XXXX stating I would actually be responsible for all these charges! This is absolutely outrageous and everyone had time to stop the shipment before it happened I did nothing. I am a senior citizen on a fixed income and I refuse to pay for items I did not purchase. Needless to say I no longer have a wallet account with an online credit card at XXXX or anywhere else after this incident.
Consumer complaint received 2023-07-26
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: JPMORGAN CHASE & CO. (WA)

Chase bank had a XXXX glitch on XX/XX/23. It occurred during the day during normal business hours and for most of the business day. It caused all of my bill payments to deduct twice including my mortgage payment. My understanding is that this is the second time in 2 months for this type of bank error with Chase. 
I was instructed to wait it out by Chase and check back later. I kept checking my accounts and slowly I saw that my external payments were corrected. My internal payment to Chase home mortgage was not corrected and posted causing an overdraft. 
I made a claim with both Chase banking and Chase Home lending as I was instructed. I have been told that it could be days before the error is fixed. 
I am writing this complaint because the timeline is unacceptable for correction. I can withstand this situation as I have money in other accounts. I worry about people with more limited means. 
Chase banks error needs to be fixed by Chase immediately. 
I can not imagine what a person with limited means is supposed to do with a wiped out bank account from a bank error. Waiting days for their own money? Chase should be fined. 
Can my representative or senator from the state XXXX XXXX be notified of this type of consumer banking problem?
Consumer complaint received 2023-07-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

Capital one closed all my account and they used a bogus excuse saying that I had a disruptive call with a customer service agent that is unexceptable people have bad experience sometimes calling customer service no reason to close all my accounts checking savings and credit cards account then a few months down the road I applied for a secured credit card was approved sent my funding amount to fund my account then they close that account like this is stopping me from building my credit and making a better life for myself I need something done about this I want my secured credit card account reopened double Jeopardy you already closed accounts for one situation so someone must be monitoring my account personally to know I'm applying for credit card with the company I also will be speaking to my lawyer about this if I'm restricted from your platform then I should be able to apply I want justice severed company can't be taking advantage of customers like this most of the customer service agent are imagrants they don't understand you have to keep repeating your information several times this can be aggravating and if I got a little frustrated with them it's still not a good reason to be closing my accounts this needs to be fixed