davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (SC)

" Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information. 

The banking system is contingent upon equitable and accurate credit reporting, as stated in the equitable Credit Reporting Act ( 15 U.S. Code 1681 ). The banking system 's efficacy is directly impacted by inaccurate credit reports, and the public 's confidence is undermined by unfair credit reporting methods, which are essential for the system 's continued operation.

Therefore, the efficiency of the finance system is compromised whenever the FCRA is violated. This is a violation of my privacy with respect to my consumer report, as I have the authority to determine which items are included and which are not. Identity theft is the act of reporting any accounts without my written consent.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This results in civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n. The law permits a {$1000.00} fine per violation for each account listed without my expressed written assent.

I reviewed my consumer reports and observed accounts that I had never granted anyone permission to report. Consumer reporting agencies have taken on a critical role and are obligated to report consumer information with the utmost accuracy, as the Fair Credit Reporting Act explicitly stipulates. I did not provide written consent to report them. I am expressing my dissatisfaction with the contents of the attached file. 
"
Consumer complaint received 2024-07-21
Product: Credit card — Store credit card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A. (PA)

I have attached a letter from Macy 's -- -- I cancelled by card with them a long time ago. They state it was a Macy/AmEx card . I do not have any info about the card due the length of time except that the card # ended in XXXX. 

This is from the letter I sent to the XXXX XXXX XXXX and Macy 's. XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Complaint : Macys Credit Card ( my name ), Card # ending in XXXX Dear Sir or Madam : Enclosed is a copy of a letter I received from Macys dated XX/XX/XXXX about a credit card that I cancelled a long time ago. Apparently they have split from XXXX and are providing their customers with a replacement Macys card. 

I DO NOT HAVE AN ACTIVE MACYs card nor did I request a new one. They acknowledge in the letter that my account was previously closed. 

I was very upset by this and called. I was told that this letter was sent in error, that they had a lot of complaints and that a new card was NOT being issued. A CARD WAS RECEIVED THE NEXT DAY. This reminds me of the gigantic scam perpetrated by XXXX XXXXXXXX XXXX 

Macys has no right to open a credit account in my name without my express permission. I would imagine this misuse of my personal info ( that they kept since I cancelled over 5 years ago ) in is violation of the Patriot Act?

Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Macys XXXX  : Consumer Financial Protection Bureau
Consumer complaint received 2024-07-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (PA)

On the date of XX/XX/XXXX, I went to a XXXXXXXX XXXX  and made an attempt to withdraw {$400.00}. The XXXX did Not dispense my money so I attempted again And was able to withdraw {$400.00} but my account was charged for both withdrawals even though I did not receive the first. I called XXXXXXXX XXXX and they informed me that there was nothing that they could do because I was not a XXXX customer that I should reach out to my bank Chime and dispute the charge. I disputed the charge with Chime and my dispute was denied. Neither XXXX will help me resolve this issue and I can not figure out how to get more information from the XXXX  because XXXX continues to tell me that I can only speak to my bank about it. It has been just under a month since this happened and I have received no resolution, I dont make much money and {$400.00} is a lot of money for me.
Consumer complaint received 2024-07-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CBC Companies, Inc. (FL)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act.I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Consumer complaint received 2024-07-21
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (ID)

Citi has been requiring and demanding the unlawful use of Federal Reserve Notes also known as Floating Rate Notes ( debt notes ) as payment, when in fact, my submitted application used to open the account, with access and use of my personal and private financial information ( SSN, social security card, which is an open-ended credit card pursuant to 15 U.S.C. 1602 ( l ), along with my signature ) served as a financial asset, promissory note and security which in fact satisfies each monthly obligation pursuant to 12 CFR 360.6 ( 2 ) as well the application being self-liquidating paper pursuant to 17 CFR 260.11b-6. This is considered an unauthorized use since I have received NO BENEFIT. Please provide proof that you did not receive an advance for the application as a security. Pursuant to 18 U.S.C. 8, all coupons, bills, certificates of indebtness, both public and private used for personal, family and household use are the obligation of the United States. This will also serve as Notice of breach of fiduciary duty ( U.C.C. 3-307 ). Pursuant to U.C.C. 9-210, I am requesting a full audit of the account. Additionally, pursuant to Article 1 Section 10 Clause 1 of the United States Constitution, only gold and silver, being the only lawful money of the United States of America, can lawfully discharge a debt. The use of Federal Reserve Note is unlawful and can not. Furthermore, I have noticed that you have been redeeming the remittance coupons/instrument as a non-cash item ( 12 CFR 210.2 ( k ) / ( 12 CFR 229.2 ( u ) ( 4 ). Pursuant to 15 U.S Code 1691 ( C ) and you assume civil liability pursuant to 15 U.S Code 1691 ( K ). By use of coercion and fraud, your corporation knowingly and willingly violated my federally protected rights. Pursuant to the aforementioned codes, I demand all credits be returned on all remittances/coupons at the inception of the accounts. This is your opportunity to cure as well as your notice of default for the servicing of my account. I ran a Forensic Audit on my account and found a XXXX  XXXX  with their tax fraud practices, it is : " XXXX. '' " You '' meaning Citibank and any of its other agents, affiliates, subsidiaries, assignees, etc. may NOT contact me by any means other than written correspondence. Failure to comply will result in legal action.
Consumer complaint received 2024-07-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (TX)

somewhere around the XXXX of XXXX my account with XXXX  ; a popular crypto exchange was compromised and my payment information which was attatched to my crypto account was used to purchase crypto and then withdrawn to an external wallet under the control of the hacker. I filed a cryber crime report in connection with the matter and disputed the unauthorized transactions with chime. 

They denied my disputes, I have re-opened the dispute going on the third time now and they still will not budge. The charges were unauthorized. PERIOD. 

As a visa card issuer, chime is bound by the visa card issuer agreement with regards to unauthorized transactions and must also conform to regulation XXXX. 

In addition chime has what is called a XXXX XXXX XXXX and what this means is that account holders who report unauthorized charges within a certain time frame shall not be held liable for the unautorized charges. 

Chime seems to believe no error has occured when obviously due to the number of transactions, how close apart they take place, and the ammounts in question this is obviously fraud that has taken place. 

I will contact the media and escalate to legal action if chime does not reimburse me for the unauthorized charges in question.
Consumer complaint received 2024-07-21
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Affirm Holdings, Inc (MN)

I had the Affirm App on my phone and someone either hacked my phone to buy tickets for a show in XXXX  I live in XXXX. I dont know what happened. I dont know the exact date but it was back in XXXX I think. I never had an issue with Affirm, but my email was almost hacked this last XXXX and a few other things & I'm not sure if Affirm may have been or not but I did not try buying tickets for the XXXX show in XXXX I tried disputing it on my XXXX app but the company didn't care and kept the account open? I don't know what to do anymore.
Consumer complaint received 2024-07-21
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: MoneyLion Inc. (AZ)

I am writing to formally dispute the accuracy of information on my credit report maintained by your bureau. Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681, I have never provided written consent for the furnishing of my personal information or for any third party to obtain my information for the purposes of credit reporting. 

Please investigate this matter promptly and remove any information from my credit report that was reported without my consent. I request that you provide me with a copy of the investigation results once completed. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-07-21
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Bright Capital Inc (WA)

I have repeatedly reached out to this company through the app and by email and Ive requested all ties to them be severed. Im tired of dealing with them. They tell me that my account is closed and there is nothing to worry about and I keep getting messages, notifications and emails about a {$0.00} balance. Then I saw that it was reported to the credit bureau as a delinquent account which is untrue. If I owe {$0.00} then tell me how to pay them and close my account for good. This place is committing fraud and I would never ever recommend them to anyone. Please save yourself the headache and stress of dealing with them. Absolutely the biggest mistake getting signed up with them. They also trick you into signing up and they end up charging you the full yearly fee even though you say you only want a trial or month to month membership.
Consumer complaint received 2024-07-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIBANK, N.A. (LA)

In accordance with the fair credit reporting act, this creditor has violated my rights. Under 15 USC 1681 section 602, states I have the right to privacy. 15 USC 1681 section 604a section 2, it also states a consumer reporting agency can not furnish an account without my written instruction. Under 15 USC 166b a creditor may not treat a payment on a credit card account under an open and consumer plan as late for any purpose.
Consumer complaint received 2024-07-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: WELLS FARGO & COMPANY (LA)

In accordance with the fair credit reporting act, this creditor has violated my rights. Under XXXX5 USC 1681 section 602, states I have the right to privacy. 15 USC 1681 section 604a section 2, it also states a consumer reporting agency can not furnish an account without my written instruction. Under 15 USC 166b a creditor may not treat a payment on a credit card account under an open and consumer plan as late for any purpose.
Consumer complaint received 2024-07-21
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (IL)

Citi Bank fraud and executive services continues to disappoint! I was informed I would receive a check with the full amount of the funds in my account including that from the federal government. Instead, I have a received a check in the amount of what Citi Bank argues was originally in my account prior to the check from the federal government, but absent a few XXXXXXXX XXXX First, I am not being told why this amount was deducted from the amount in my account rior to the check from the federal government. Second, the check I received was nowhere near the amount I was quoted it would be ( i.e., with the addition of the check from the federal government ). Third, Citi Bank has not complied with the Department of Justice 's request on behalf of my lawyer. 

This charade has been ongoing since early XXXX even though Citi Bank has admitted fault by not following protocol at a local Citi Bank branch where the check from the federal government was deposited. In lieu of the local bank following the protocol and submitting the necessary documentation I shared at that location when depositing the check, I have directly provided the documentation to Citi Bank fraud and executive services. However, there still has been no resolution. 

I dare not deposit the check sent to me as I do not trust Citi Bank and am concerned that depositing the amount could be interpreted by Citi Bank as a resolution of this matter- which it certainly is not!
Consumer complaint received 2024-07-20
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: WELLS FARGO & COMPANY (CO)

In XXXX I did a refi and Wells Fargo bought the mortgage. Less than 3 months after they purchased my mortgage they said I was behind in my payment and I wasnt. They said I had to redo my mortgage because I was late and I was never late. I sent them three checks totaling XXXX in fees for redoing the loan that never was ever even started and they did an illegal foreclosure in fact I received a form for their XXXX class action suit but never received a XXXX from anyone. I filled the form out and mailed it in in the beginning of XXXX and they said they sent me a payout but didnt then when I checked again they said my name wasnt on the list. It was for fraudulent mortgage practices on my home at XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX. I want my XXXX back plus I should have been paid out of the XXXX XXXXXXXX XXXX they paid out for their fraud. Please see if you can track down the claim form the mortgage was in my name alone I did a no doc refi and they bought the note. They had no intention of doing a loan modification and I was never late on my payments ever. I sold real estate for 15 years and I knew they were screwing me over but was going thru a divorce and I told them that thats when they wanted the down payment for the loan modification they had no right to foreclose and I couldnt get any help. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX
Consumer complaint received 2024-07-20
Product: Credit 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: JPMORGAN CHASE & CO. (CA)

My husband is XXXX XXXX XXXX and was deceived by a " you won a big PRIZE!! '' scam. The scammers told him to pre-pay " fees & taxes '' by sending them XXXX  of dollars worth of gift cards. He purchased these gift cards by using credit cards. The scammers then threatened him and coerced him into sending more and more money. 

When I found out what was going on, I immediately tried to stop it. I notified the authorities ( police, FBI, etc. ) Since my husband was not capable of handling the situation himself, I obtained a power of attorney to act on his behalf. I contacted the credit card companies and asked them to delete the charges that were a direct result of my husband being terrorized by the scammers. 

The credit card companies refused to honor my POA and they refused to delete the charges.
Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). Section 609 ( 15 U.S.C. 1681g ) of the FCRA grants me the right to access all information in my file, including : A detailed listing of all personal data you have on file regarding me.

The source of the information you have collected.

A list of all individuals or organizations that have obtained a consumer report on me.

A comprehensive record of all inquiries made on my credit report. 
Additionally, I request the identities of all recipients of consumer reports pertaining to me, as permitted by the FCRA. 
To facilitate the processing of my request, I am providing the following identifying information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ITIN : XXXX DOB : XX/XX/year> Please note that I understand, based on your standard procedures, that a copy of my credit report will be sent to me within approximately fifteen days of receiving this request. 

If you require any further information or have any additional steps I need to complete, please do not hesitate to contact me. I look forward to receiving a prompt response and a comprehensive report detailing all the information stored about me in your respective files.
Consumer complaint received 2024-07-20
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Fees charged for closing account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (SC)

On XX/XX/year>, I received notice of my USAA CD maturing on XX/XX/year>. I called USAA Customer Service and explained that I wanted to close the CD and transfer the money to another institution. I was told that because the maturity date was on the weekend that I needed to call back on Tuesday XX/XX/year>. So I called back on XX/XX/year> and spoke with XXXX ( XXXX? ). She told me there was an IT issue and that she needed to submit a ticket to the XXXX Department. She advised me that I needed to call back in a week to give them time to correct the issue. I called back on XX/XX/year> and spoke to XXXX. He said that a ticket had not been submitted and there was still the same IT issue. I aksed what the issue was and he said it had to do with the IT Department and he would ensure that a ticket was submitted to them. This sounded strange to me, but he was not telling me anything new and just repeating the same thing so I said ok and ended the call. I decided to call again on XX/XX/year> and I spoke with XXXX. She said there was no IT issue and that the CD had been automatically rolled over as the maturity date was XX/XX/year>. I explained to her all the calls I had made previously and she said there was nothing she could do about it as it was too late. It had already been rolled over. She said that XXXX should have told me that the CD was already rolled over. I was adamant that I wanted to close the CD and transfer the money to another financial institution. So she did close the CD and electronically transferred the money to my other financial institution. They proceeded to charge me an early withdrawal penalty of {$550.00}. I am an elderly woman of XXXX XXXX XXXX living on a fixed income and I feel they took advantage of my age and vulnerability. I was only following their instructions the whole time. Please assist me with this as I feel I was wrongly charged this huge penalty fee.
Consumer complaint received 2024-07-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Patenaude & Felix A Professional Corporation (PA)

I recieved a notice from Patenaude & Felix , A.P.C. stating I have a outstanding balance with XXXX XXXX XXXX in the amount of XXXX dated on XX/XX/2024. I am unaware of this account. If in fact this company claim I have an account with them please provide a copy of a wet ink signed contract with both wet ink signatures binding any such agreement for my review. If your company fails to provide this copy in 15 days. Further attempts to collect on this alleged debt must cease.
Consumer complaint received 2024-07-20
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc. (WA)

On XX/XX/year>. I attempted to enroll and obtain a cash app account. I entered in my information and I instantly got a a message saying that my account would be closed for a " violation of terms of service '' I have never had any account with cash app and I asked them to look up the violation. They told me that they had no information on the violation. They asked for my e-mail address and I was told that a review would be initiated that could last up to 30 day.I contacted then today to check on that status of my investigation. They told me that they did a thorough investigation and they considered the matter closed. I then told them that I have never had any type of account with them and that if my information was utilized by any other person, it was fraudulently used. I then asked them to explain to me how I could be held responsible for any conduct of a person who illegally utilized my personal information on their platform? This is patently unfair to hold me responsible for a terms of service violation on an account that I did not authorize nor had any knowledge of.
Consumer complaint received 2024-07-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Collection Management Holdings, LLC (TX)

XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I am writing to formally dispute the collection accounts reported on my credit report. These accounts was added without my consent, and I believe they are inaccurate. 

Please provide validation and documentation proving that this debt is mine and that I authorized its reporting. In the absence of such proof, I request that you remove this account from my credit report immediately. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX