davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-27
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: CITIBANK, N.A. (NY)

Since XX/XX/year> Citigroup, Citicards and Citibank had continually blocked and blacklisted me from getting any type of products with them. They have denied me to be a co-signer on credit cards, dont allow Citibank clients to transfer XXXX or money to me in any shape or form. Never approved any credit card application without providing further information even after having a XXXX credit score. Closed all accounts I used to have with them and only kept my mortgage loans with them.
Consumer complaint received 2024-10-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

On XX/XX/year>, I opened a personal checking account. As part of my responsibilities to a student organization, I have to collect membership dues and deposit them to a separate account, and I wanted a temporary checking account as an intermediate to store any dues transferred to me digitally, which I would close in a few months after all the money was withdrawn from the checking account and deposited to the organizations proper account. The account was solely for the purpose of keeping these dues separate from my personal finances. After creating the account, I set up XXXX as a convenient option for students to pay their dues. After receiving five XXXX transactions totaling {$150.00} on the same day, the next morning, XX/XX/XXXX, Capital One sent me an email saying that there was suspicious activity on my accounts, and my accounts would be restricted until I called them. After doing so, I was told that the suspicious activity in question was the five XXXX transactions, and they wanted to confirm that everyone that XXXX  me was someone I knew personally to ensure that I wasnt using the personal checking account for a business or organization. When I obtained phone numbers and provided them for verification, Capital One said none of the numbers could be verified, and told me I had to visit a Capital One XXXXXXXX branch with all the individuals who XXXX me with their photo IDs to verify their identities and relationship to me. I do not own a car, I can not drive, and I can not access all my funds because {$150.00} of membership dues to a side account has been flagged so that all of my accounts are restricted.
Consumer complaint received 2024-10-26
Product: Prepaid card — Payroll card
Issue: Unexpected or other fees — 
Company: ADP Inc. (FL)

My pay card was wisely I. I reported unauthorized charges. They reimbursed me. The amount was under {$200.00}. I then reported charges of almost {$1.00} XXXX. They had me wait over 90 days and then said they found no error. Whe I asked how to appeal their decision they had me write a letter and mail it in. I never heard from them again. I am I'm a XXXX XXXX XXXX widow and presently unemployed. This is so unfair that they won't reimburse me.
Consumer complaint received 2024-10-21
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Skrill USA, Inc. (PA)

On XX/XX/XXXX I discovered that a company XXXX, which appears to be a gaming website, was logged into my Skrill account, moving money from by checking account by adding my debit card information ( which I never provided to them ). This went on back to XXXX. I did not realize this was occurring as none of the transactions were of a super high dollar amount, all under {$50.00}. But over the span of XXXX to XXXX, totaled over XXXX. 
I filed a dispute with Skrill on XX/XX/XXXX at XXXX. I received no additional communication from skrill despite my REPEATED requests on their website to provide me with an update. 
Then on XX/XX/XXXX, I received an email telling me that my Skrill account was blocked and that I would no longer be able to log in. Still no update on my dispute. 
Then today, XX/XX/XXXX. 10 DAYS after filing the dispute, I receive an email that they are just now reviewing and escalating it. Still no way to contact them ( they email from a " no reply '' email ) other than leaving comments on my dispute. Account still blocked/frozen. Money still gone. No mention of a provisional credit or refund. My bank is telling me I have to go through skrill since this XXXX company was basically just adding cash to skrill like you would any mobile wallet, and then siphoning it out from skrill to use as credits on their app which seems to some kind of fraudulent out of the country set up. 
I've also filed a complaint against XXXX. But Skrill is not providing me any update or refund and seems to be taking 10 days just to START a review, they're giving no guidelines for how long this might take, and are generally ignoring every request for information.
Consumer complaint received 2024-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: LEXISNEXIS (AL)

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.
Consumer complaint received 2024-10-21
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: JPMORGAN CHASE & CO. (NY)

On XX/XX/year>, I went to the CHASE bank to withdraw {$200.00} from my benefit card, which represents child support funds, at a bank ATM. Although the machine appeared to function normally, an error occurred during the transaction, and the cash dispenser did not release the funds. I immediately brought the issue to the attention of the bank manager and staff, but they were unhelpful and dismissive, instructing me to contact the child support office.

After reaching out to the child support office, they informed me that once the funds are released, responsibility falls to the bank, particularly in the case of ATM malfunctions. I have four records detailing the transaction, including the date, time, terminal ID, and sequence number. Additionally, I took a photo of the machines serial number, part number, and type. The receipts also indicate that the machine was out of cash. 

Despite expressing my frustration, the manager refused to take further action, insisting it was not his responsibility. This is critical, as the funds in question are intended for my childs support. I kindly request your assistance in resolving this matter and recovering the funds.

I also currently live in the shelter with my two kids and this isnt easy for me. That money was supposed to feed them. Ive reached out to many people and gotten 0 help. Im frustrated and angry. This has never happened. Ive been using the events card to receive my child support money all my life and it was never a problem till now.
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (CA)

These following accounts has been officially discharged under 11 U.S.C. 727, which protects me from any further obligations regarding this debts. As a result, all related accounts must be updated to reflect a Balance of XXXX, Account History of None, and Showing Status of " Discharged in bankruptcy '' should be reported to credit agencies. It is critical that these updates are made to ensure compliance with the Bankruptcy Discharge law. The fact the accounts show a numeric ( due balance ) history could be interpreted as debt owed by consumer, for which I'm protected against. Please Update.

Any institution that fails to adhere to these regulations will be subject to legal action. This applies to all creditors involved in this matter as well as to any credit reporting agencies that inaccurately report information contrary to the discharge. I expect this situation to be rectified promptly to avoid any further complications. 

Accounts : CITIBANK ACCOUNT NUMBER : XXXX CITIBANK ACCOUNT NUMBER : XXXX XXXX  ACCOUNT NUMBER : XXXX
Consumer complaint received 2024-10-23
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CLGF Holdco 1, LLC (PA)

On XX/XX/year> a credit card was opened in my name FEB DESTINY. I received an email thanking me. I called the number to report I did not apply for this card was asked to pay for insurance for the card before they can look into the issue. I called the card company the gentle asked for my information to look up my card. then he proceeded to tell me the rules of dispute, that I need to go through him. 
So I mailed out a letter to the XXXX credit bureaus with the copy of the email that was sent trying to get this removed. I was then alerted that {$250.00} was charged on the card on my XXXX XXXX app. I put a freeze and have been trying to get it removed. I noted a number for the card company on the XXXX XXXX app I called it and was told I do not have a card with FEB DESTINY and was provided the numbers to the XXXX Credit Bureaus to dispute. I reached out to XXXX and they informed me to also contact Federal Trade Commission regarding the matter.
Consumer complaint received 2024-10-29
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CITIBANK, N.A. (CA)

On XX/XX/2024 I was offered a 0 % Balance Transfer offer by Citi Bank Costco. I did a Balance Transfer of {$5400.00} via phone on XX/XX/2024. I called Citi Bank later in the month to see about making dedicated payments to the Balance Transfer amount and was told that there would only be a 1 % credit each month until I paid my existing balance of {$10000.00}. off. I was never made aware that the Balance Transfer amount of {$5400.00} was being added to my existing Costco balance and that I had to pay my Costco Balance off before I could make any headway on my Balance Transfer amount. I have utilized many 0 % cards to assist in paying down debt and feel like this is only adding to my stress and potential inability to pay my debts. Had I known this was the stipulation I would NOT have accepted this offer!
Consumer complaint received 2024-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

I am writing to file a formal complaint regarding a debt that was sold and should no longer be reporting on my credit report. The debt in question was sold to a third-party collection agency but is still being reported by the original creditor, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). Identity Theft and Data Breach Impact I am a victim of identity theft as a result of a data breach. I have contacted the Federal Trade Commission ( FTC ) and filed a report, which is attached for your reference ( FTC Report Number : ) This breach has compromised my Social Security number and resulted in unauthorized accounts being placed on my credit report
Consumer complaint received 2024-10-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC (FL)

Toward the end of year XXXX, I received property tax and homeowner 's insurance bills. I paid both bills because I did not realize I was paying in escrow for the same bills. In XX/XX/XXXX, I discovered I made the two payments twice. I contacted the current homeowner 's insurance company that promptly pointed out the date they refunded the over payment. The same day, I contacted XXXX XXXX XXXX that told me my payment was accepted first. Therefore, they returned the second payment to my mortgage company at the time. I contacted the latter. They refused to talk to me on the basis that my mortgage was being serviced by Shellpoint. I contacted Shellpoint on three occasions. For the last three months, they kept on telling me, they were seeking information about my funds from the former servicer. As a result, I am requesting your intervention for them to refund my {$2200.00}.
Consumer complaint received 2024-09-30
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened without my consent or knowledge
Company: MoneyLion Inc. (SC)

The company called MoneyLion. I was trying to create me an account to see do I qualify for instant cash on XX/XX/24. Thats when I found out that i already had an account with them under a email that I didnt recognize. I called them and reported it to them they closed the account and told me since my SSN was already used I couldnt used them anymore. I told them it isnt fair because I didnt opened an account with them. I wanted to know who used my information and I also wanted to be able to use them for instant cash if I need them.
Consumer complaint received 2023-03-17
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Bread Financial Holdings, Inc. (MO)

XXXX XXXX XXXX bought a debt from a helzberg account I had. They have called me 4-6 times a day m-f and on some weekends the first time I picked up the phone the debt collector asked my why I fell behind and explained I had lost my job and have 2 toddlers and a wife to take care of. When he asked me to pay {$1400.00} in full today I said I couldnt. Then asked me to put money down and pay it off over the next 2 months. Which I replied that I couldnt afford it right now. He then proceeded to say What kind of father cant pay his bills Not a very good one which is when I stopped talking to them in XXXX of 2022. One year later, after thousands of attempts to call me at all time of the day, I got a letter from a lawyer saying that they had seen that XXXX XXXX XXXX had filed a suit against me. So I called to attempt to settle the debt again. They proceeded to ask me to pay the full amount right now or the lawsuit will garnish my wages and get their money back. ( This was around XX/XX/XXXX ) I said I was hiring an attorney and we can settle in court at which point he told me those are just ambulance chaser of the debt collection world and the court would side with them. Now on XX/XX/XXXX they call me again threatening suit and that I should settle now at which point I stopped him and repeated that I already told them I was getting a lawyer. Which he responded Well legally you have to give me his name and number for us to stop calling and I said again stop calling me and hung up. After calling me a XXXX dad and calling my phone at all time even in the evenings right up to XXXX knowing I had small children to get to sleep Im fed up with their ignorant tactics of abuse and threatening me. I have paid off other creditors but at this point I dont want to pay them a dime after they have continually harassed me and from what I have found out tens of thousands of other people.
Consumer complaint received 2024-09-26
Product: Credit reporting 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. (MO)

These companies pulled up my credit report without my authorization and this has hurt my credit and credit score. I have contacted the bureau and the representative said they would be removed but I still see them on my credit report. These fraudulent and unauthorized inquiries are making me anxious for I might be already a victim of identity theft adding unnecessary stress to my life on top of hurting my credit score.
Consumer complaint received 2024-09-26
Product: Credit reporting 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. (TX)

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
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 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 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 XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2024-09-06
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (TX)

I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.
Consumer complaint received 2024-09-06
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (GA)

I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.