davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-22
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: EQUIFAX, INC. (LA)

credit inquiries that I did not authorize, made by the following companies 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
Consumer complaint received 2021-02-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: GOLDMAN SACHS BANK USA (TN)

Goldman Sachs Bank is a result of IDENTITY THEFT i have tried to resolve this with the company and XXXX  and no one is willing to help! I have asked both companies to provide proof and nothing has happened. No proof has been received. This account has been removed from XXXX  and XXXX  with no issues but XX/XX/XXXX keeps saying verified as accurate. I never knew anything about Goldman Sachs until I applied for a apple card ( that does belong to me ) that goes through GS BANK and they then told me i owed them some old debt which was a result of identity theft
Consumer complaint received 2021-02-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A. (TX)

I opened my Citibank Account Package checking and savings accounts with the {$400.00} promotion ( applied XX/XX/XXXX, pending manual review, approved & opened XX/XX/XXXX ). I deposited {$15000.00} in new-to-Citi funds on XXXX and kept them in my Savings account until XX/XX/XXXX. I met the bonus terms on XX/XX/XXXX ( 60 days after deposit ) and should have received the {$400.00} bonus on or before XX/XX/XXXX ( 90 days after meeting requirements ). 

I confirmed by phone XXXX XX/XX/XXXX that I had 30 days from XX/XX/XXXX to fund the account. Completed W-9 was mailed twice to address provided by chat on XX/XX/XXXX. I confirmed via chat : XX/XX/XXXX that {$400.00} bonus was linked with my account, XX/XX/XXXX that I should received the {$400.00} by XX/XX/XXXX, and XX/XX/XXXX that bonus should have posted & dispute XXXX opened that was supposed to be resolved in 5-7 business days but have not heard anything further nor received the {$400.00} bonus as of XX/XX/XXXX. 

Documentation of all of the above ( screenshots, emails, statements, phone call recordings, letters mailed and/or faxed, etc. ) uploaded as attachments.
Consumer complaint received 2019-11-27
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)

2ND NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 EQUIFAX HAS INQUIRES ON MY CREDIT REPORT THAT ARE : MINE/INACCURATE.FRAUD. I DID NOT GIVE NY PERMISSION TO REPORT THESE INQUIRES. I HAVE SUBMITTED A POLICE REPORT SEVERAL TIMES AND EQUIFAX HAS NOT OR REFUSED TO DELETE AND REMOVE THESE INQUIRES FROM MY CREDIT REPORT. I WAS NOT NOTIFIED THESE INQUIRES WAS OR WILL BE REPORTED TO MY CREDIT REPORT. INQUIRES NOT MINE : XXXX XXXX Inquiry from XX/XX/XXXX Credit Unions XXXX Inquiry from XX/XX/XXXX Personal Loans Cos. 
XXXX XXXX  Inquiry from XX/XX/XXXX All Banks XXXX XXXX Inquiry from XX/XX/XXXX Miscellaneous Reptg. Agencies Equifax Mortgage Ser   Inquiry from XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX Inquiry from XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XXXXXXXX Inquiry from XXXX  XXXX, XXXX Services, Not Elsewhere XXXX XXXX  Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX XXXX Inquiry from XX/XX/XXXX Automobile Dealers, XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX XXXX Inquiry from XX/XX/XXXX Automobile Dealers, XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX Credit Unions XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX Automoti Inquiry from XX/XX/XXXX Automobile Dealers, XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX Automobile Dealers, New Equifax Mortgage Sol Inquiry from XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX Inquiry from XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX  Inquiry from XX/XX/XXXX Telephone Companies XXXX Inquiry from XX/XX/XXXX Telephone Companies XXXX XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX
Consumer complaint received 2019-11-27
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. (NY)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT ON MY FILE. THIS NEGATIVE ACCOUNT HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT. I FEEL LIKE I'M HELPLESS BECAUSE I HAD NO KNOWLEDGE OF THE ACCOUNT. I HAVE NO IDEA WHO WOULD HAVE MY PERSONAL INFORMATION ON HAND AND CAUSED A GREAT HARM TO MY CREDIT, BECAUSE OF THIS IT IS NOW HARD TO ACQUIRE NEW CREDIT. I AM REQUESTING A RE-INVESTIGATION INTO THIS MATTER AND I WOULD LIKE THIS NEGATIVE ACCOUNT OFF MY CREDIT FILE. PLEASE KEEP IN MIND THAT THIS ACCOUNT WAS NOT AUTHORIZED BY ME.
Consumer complaint received 2019-11-27
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. (NY)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT ON MY FILE. THIS NEGATIVE ACCOUNT HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT. I FEEL LIKE I'M HELPLESS BECAUSE I HAD NO KNOWLEDGE OF THE ACCOUNT. I HAVE NO IDEA WHO WOULD HAVE MY PERSONAL INFORMATION ON HAND AND CAUSED A GREAT HARM TO MY CREDIT, BECAUSE OF THIS IT IS NOW HARD TO ACQUIRE NEW CREDIT. I AM REQUESTING A RE-INVESTIGATION INTO THIS MATTER AND I WOULD LIKE THIS NEGATIVE ACCOUNT OFF MY CREDIT FILE. PLEASE KEEP IN MIND THAT THIS ACCOUNT WAS NOT AUTHORIZED BY ME.
Consumer complaint received 2019-11-27
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: NAVY FEDERAL CREDIT UNION (MN)

On XX/XX/19 at XXXX XXXX. - I was notified by my Employer that the original collections company has repeatedly contacted my place of Employment by calling the main phone number asking for me on multiple occasions, regularly 10+ times daily, for the past week or so. Repeatedly they were told that I will be in contact with them to discuss any matter but they keep calling. 

On XX/XX/19 at XXXX XXXX. - I called the original collections company and told the representative stop calling my place of employment. They told me that my phone number and all phone numbers associated with the account has been deleted. 

On XX/XX/19 at XXXX XXXX. - I called the original collections company again and spoke to a representative ( XXXX ) that has left me voice messages numerous times. I told her that they are not allowed to call my place of employment asking for me. They are putting my job in jeopardy. Representative told me that she has made a note to not call my Employer 's phone number and they will not call again. 

On XX/XX/19 at XXXX XXXX. - I was notified again that the original collections company called my Employers phone number again asking for me. The call was then transferred to me and I again repeated to them that they were not allowed to call my place of employment and that I will be filing a complaint about their harassing, unwanted phone calls. The representative ( XXXX ) said that no one ever noted in their system that the phone call is unwanted or on the do not call list but he is making a clear note regarding it.
Consumer complaint received 2019-11-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: JPMORGAN CHASE & CO. (NC)

On XX/XX/2019, I submitted a payoff payment of {$11000.00} to Chase for a credit card. The full balance was paid. Months later, I check my credit report to see that they have sent notice of late payment to the Credit bureaus. I look into it and see that nearly a month after payoff ( XX/XX/2019 ), they charged {$18.00} in Purchase Interest. They neglected to inform me of this via mail because I had " paperless billing '' enabled, and the email account used to send notice was not monitored. As a result that fee snowballed into {$49.00}. On XX/XX/XXXX I attempted to contact Chase via their credit team to resolve the issue. I paid the balance of {$49.00} and requested they remove the late payment from my report. They refused to do so and claim it is not possible. I know this is not true, because I've seen elsewhere online that credit companies will often do this. My payment history with Chase has been 100 % on time for many years before this. This interest charge they assessed almost a full month after payoff has caused my credit score to drop over 100 points. I am desperate to have this removed from my credit as soon as possible.
Consumer complaint received 2021-02-19
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: Westlake Services, LLC (CA)

I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and XXXX XXXX and Westlake Financial. The Account Opened is XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. The Account Opened is Westlake Financial Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$13000.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.
Consumer complaint received 2019-11-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: Experian Information Solutions Inc. (NJ)

Experian has taken over the credit monitoring function from XXXX XXXX XXXX XXXX a very ethical firm, catering to military personnel.. As soon as the transfer was completed, I was placed in to a paid service which was never ordered and it took three demands to be removed from the scam. We are harrassed by daily solicitations for phony products and my three attempts for " opting out '' have been ignored. An attempt to cease have been fruitless. Discussion with call-center agents and a supervisor ended in long waits and abusive reaction. A phone request to speak with Customer Service at the California headquarters resulted in being transfered to an " agent '' in XXXX XXXX, who had no understanding of my problems. This corporation was fined {$3.00} Milliion by  CFPB in 2017 for similar fraudulent actions and there has apparently been no improvement in policies since then.
Consumer complaint received 2019-11-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

On XX/XX/2019 I went to this doctor in XXXX NJ for a service that cost XXXX dollars. I m extremely unhappy with the zero results! The results didnt meet my expectations and what I was promised. On XX/XX/2019 I opened a dispute case with capital one Mastercard and submitted all the documents including the second opinion letter as they requested, however ; only the XXXX dollars transaction was credited to me and not both. Capital one claims I was missing a second opinion letter for the second dispute and it has been denied. I dont understand this because both transactions are for one service and by one merchant why credit a portion and not the whole amount. 
Please help and thank you XXXX XXXX
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: LEXISNEXIS (ID)

I have requested that Lexis Nexis provide a copy of my report on five occasions. They keep sending me a letter requesting I upload information to verify my identity. I provide the information and the keep sending me a letter saying they didn't get my proof.
Consumer complaint received 2019-11-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (TX)

I visited a Chase branch for my direct deposit information on XX/XX/2019. The branch is located at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX. A chase representative by the name of XXXX XXXX printed out the information. The very next day, I provided the information to my employer not knowing the account information was incorrect. A few weeks later when it was time for me get my check, I was notified by my employer the reason for non-payment in the amount of {$380.00} via XXXX XXXX, the bank account information provided to me by my bank was actually someone else account number. I immediately called chase to file a claim on XX/XX/2019 with the claims department the representative advised me the claim would take anywhere between 1-2 business days to complete.I called chase bank back on Tuesday, XX/XX/XXXX for an update- during that call I was told I needed a letter of indemnity. I asked for a manager while on the call and was denied the opportunity to speak to a manager due to ( the manager was in a meeting per the employee ). My employer sent the letter for the claim number that was provided via the claims department. On XX/XX/2019 my employer attempted to void the deposited payment. However, Chase deposited the funds in the wrong account number and was not compliant when my employer kicked the funds back. 

After the letter was sent I spoke to the claims department again on XXXX XXXX the and was transferred to a representative from the ACH department who informed me the letter of indemnity was not received by my employer. That was incorrect because my employer sent the information to me. The representative informed me the letter had to be sent from the original bank of the company I worked for ). As requested, I reached out to my employer to have the payroll department to reach out to the original bank, " XXXX '' that was completed on my behalf. 

Shortly after I felt as if I was not being heard and was no important because the amount was such a small amount to a company such as Chase. I have tried on numerous occasions to obtain my funds from Chase and be compliant. I have provided Chase with everything they asked of me and here it is XX/XX/XXXX ( 5 months later ) I still have not received my funds. Attached below is the letter of indemnity that was sent to Chase from my employer. Thank you!
Consumer complaint received 2024-10-17
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (WA)

I am writing to formally appeal the cancellation of my XXXX Citibank credit card. The cancellation resulted from an unintentional oversight in updating my autopay account. I am a XXXX  Client with XXXX, where I maintain over {$200000.00} in assets, exceeding the {$100000.00} requirement for XXXX  status, and I have documentation from both XXXX 's banking and investment divisions to verify my financial standing. 

The issue began this year when I transitioned my primary banking to XXXX. My credit card was cancelled due to three instances, in XXXX, XXXX and XXXX, when my autopay attempted to draw funds from my previous account at XXXX, which had insufficient funds after I moved my cash to XXXX. Each time I was notified of insufficient funds, I immediately resolved the balance within 1-2 days. This oversight was purely logistical ; I did not realize that I had not updated my autopay settings. 

I take pride in my strong financial standing, with a credit score of XXXX and an annual income exceeding {$400000.00}. This situation does not reflect my financial responsibility but rather an honest mistake in not updating my payment method. 

I'm reporting this through CFPB as it highlights issues of lack of personalized customer service. Despite my prompt resolution of payment issues and my strong financial position, my appeal was denied through an automated process without adequate review of my circumstances. I have been a loyal Citibank customer since 2021, regularly spending thousands of dollars per month on the card. Given these circumstances, I believe that Citibank 's handling of my situation does not align with fair banking practices that protect consumers. Therefore, I respectfully request that Citibank reconsider their decision and reinstate my XXXX Citibank credit card.
Consumer complaint received 2023-06-07
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. (VA)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
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
Consumer complaint received 2024-10-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A. (CA)

Summary of Events : Around XX/XX/XXXX, I went to Citibank in the XXXX area of XXXX XXXX to withdraw money to pay my landlord. One day later, I found that my debit card was no longer working, and I couldn't access my account. I called Citibank 's service line, which takes approximately 30 minutes to answer, and was informed that my account and debit card had been blocked. They did not provide an explanation on why. The next day, I went to Citibank in XXXX with all of my ID documents, and the manager tried to phone the fraud department and explain the problem. To verify an account, the fraud department requests the account or debit card number, complete names, the last four digits of your social security number, and, finally, a phone number where they can verify you are the account holder. When asked for the phone number, they replied, " I'm sorry, lady, but the number is incorrect ; we can not verify your number. '' The banker stated that there was nothing she could do because that was the only area capable of verifying and accounting. I was told to go to the phone provider for the plan I had so they could correct my name in Public Records, which I did, but XXXX told me they had nothing to do with Public Records and that my name and phone number were accurate. I left with no success, no money, and an awful lot of frustration. I completed the procedure two more times at two separate Citibranches offices, including the XXXX Citibank where I had opened my account, because I had spoken with the lady who had opened it and she had told me to come in personally. ( I have her emails saved ). The same thing happened so she wrote a memo and told me I would get a physical letter at my addresss with a special code to verify my account, which I never got. Until today ( it's been almost 14 days after my account was disabled ), I've called multiple times, spent hours away from work and home, and attempted to authenticate my account. I went to XXXX again today, but they couldn't help me because on the first place they don't understand what they have to do with the bank. To this day I have not received a call from a Citbank agent, I don't have access to my stipend or any of my money, so I can't buy food, pay for my son 's classes or my bills and I have a huge interests for the delayed payment of my credit card. Citibank is holding on to my money, and no one can answer as a HUMAN BEING. I don't think any bank can do this to a regular citizen, without mentioning the mental health problems they are causing.
Consumer complaint received 2023-06-07
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. (NY)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX  XX/XX/XXXX Balance : {$150.00} XXXX XXXX XXXX  XX/XX/XXXX Balance : {$150.00} XXXX XXXX XXXXXX/XX/XXXX Balance : {$150.00}
Consumer complaint received 2023-06-07
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: EQUIFAX, INC. (TX)

This is my XXXX request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX, XXXX XXXX XXXX  XXXX XXXX TX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX  XXXX XXXX XXXX XXXX {$1700.00}, XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$890.00} XXXX XXXX XXXX XXXX XXXX XXXX : {$9200.00}, XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX A ) XXXX Balance : {$600.00}, XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$210.00}, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$560.00}, XXXX XXXX & XXXX XXXX XXXX Creditor : XXXX XXXX XXXX XXXX  ) XXXX XXXX XXXX {$1500.00}, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2020-03-11
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. (AL)

THERE ARE THREE INQUIRIES THAT SHOULD NOT BE ON MY REPORT XXXX XXXX Inquiry : XX/XX/2019  Miscellaneous ( XXXX ) XXXX XXXX XXXX Inquiry : XX/XX/2019 Miscellaneous ( XXXX ) XXXX XXXX XXXX Inquiry : XX/XX/2019 Miscellaneous ( XXXX ) XXXX