davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: T.S. Holdings (SC)

ACCOUNT # XXXX Whats up Just wan na let you know Im disputin that debt you mentioned under the Fair Debt Collection Practices Act Aint askin for more proof or docs just lettin you know I dont agree. If you need to reach me best way is by text on my cell or email on my cell or computer Monday to Friday between XXXX and XXXX XXXX XXXX XXXX Any other times or methods like live calls or voicemails aint good for me.ACCOUNT # XXXX plus other accounts you saying I'm oweing.
Consumer complaint received 2024-10-02
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. (NC)

I'm concerned about an unfamiliar inquiry on my credit report. I didn't authorize or consent to this company accessing my information, I'm trying to understand how and why this happened and it's causing me a lot of stress and anxiety.
Consumer complaint received 2024-08-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc (IL)

I submitted a dispute regarding charges from an online gambling website that had closed my account and refused to return my remaining balance. Despite providing ample evidence to support my claim, ChimeXXXX repeatedly declined my dispute as well as my rebuttals. Additionally, the merchant involved did not respond to the dispute at all. This lack of response indicates that ChimeXXXX did not conduct a proper chargeback process or investigation, and instead chose to deny the claim as a matter of convenience. I recently submitted a complaint regarding Chime, and their response indicated that, based on the evidence provided, no errors were found. However, the merchant involved in the dispute did not respond at all. I am seeking clarification on how this situation was resolved without the merchant 's input. 
I attached documents showing that I was the only one submitting evidence and yet the claim was decided against me!
Consumer complaint received 2024-10-02
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. (CA)

I am writing to formally dispute the unauthorized inquiries listed on my credit report, which are fraudulent in nature. Despite my multiple correspondences with your bureau and the submission of the required FTC Identity Theft Report, these inquiries remain on my credit file. As a victim of identity theft, I have taken all necessary steps to address this issue, including contacting the institutions associated with these inquiries and providing comprehensive documentation to substantiate my claims. Despite these efforts, your bureau has yet to resolve this matter satisfactorily. It is essential to note that the fraudulent nature of these inquiries has been confirmed by the respective institutions, and they have assured me that these inquiries were erroneous and should be removed. Furthermore, other credit bureaus have already acted on the FTC report and removed these unauthorized inquiries from their records. 
Therefore, I am perplexed and concerned by your bureau 's continued reporting of these fraudulent inquiries. This ongoing issue not only undermines the accuracy of my credit report but also causes significant distress and potential financial harm to me. 

XXXX XXXX XX/XX/XXXX, XXXX
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (LA)

According to the FCRA 15 USC 1681 ( e ) ( b ), my credit report should display the maximum possible accuracy. However, this is not the case because this credit reporting agency is purposely violating my consumer 's right by displaying numerous inaccuracies for this account which is negatively affecting my creditworthiness. 

Attached is the proof of this consistent VIOLATION of my consumer 's right in which this Charged Off account is being reported as " CO '' in the payment history/summary consecutively for the last 3 months which is impossible because the account can ONLY be charged off ONCE since it is dormant, not month after month. Due to this reported inaccuracy, this illegally resets the statute of limitations which once again is a VIOLATION! 

Please delete this account immediately! 

Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2024-08-25
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: FIRST PORTFOLIO SERVICING INC (NV)

My name is XXXX XXXX XXXX and I am in the XXXX XXXX. I have been XXXX for XXXX  years and prior to that based in XXXX XXXX for the last XXXX  years. Your company XXXX XXXX XXXX  has allowed someone to open an account under my information at an address that I have not lived at in over XXXX  years to open and account fraudulently without my knowledge or permission and the representatives are refusing to remove this information from my credit reports. I have filed multiple complaints about this and exhausted myself before my last resort which is contacting an attorney as this is a violation of my rights at this point. The IDENTITY THEFT reports and documentation were all sent to your company XXXX XXXX and clearly showing I do not even live in the XXXX where this account was opened or anything and they have refused to remove it. Even collection agencies have verified that it was fraudulently and your company XXXX XXXX XXXX refuses to comply. I had multiple accounts opened fraudulently and each bank tooo care of it swiftly EXCEPT YOURS who seems determined to cause me financial harm and distress and violate the FCRA as well as mt rights. I ask XXXX last time before I have to contact an attorney to deal with this situation. Please remove me from your system and remove this account off my credit report. I would kindly appreciate your company doing the right thing instead of ignoring the obvious and continuing to hurt my family financially due to identity theft and fraud.
Consumer complaint received 2024-08-25
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: GOLDMAN SACHS BANK USA (CA)

I have had a Goldman Sachs Apple Card for a few years and have been a great customer with no late payments. Without notice they closed my account and said I failed to comply with the terms of the customer agreement. 

I contacted them and tried to ask what I had failed to comply with and they could not tell me. I talked with a supervisor and the couldnt tell me anything more either. 

I think it is very unfair to cancel my account without any cause and give me no explanation as to why.
Consumer complaint received 2024-08-25
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc (WV)

I have contacted the XXXX company numerous times asking for a list of the devices that are signed into my account. I have an online banking account with XXXXXXXX XXXX and it shows me the devices. I have an online account with XXXX XXXX and it shows me the devices, although I have to keep removing an XXXX that wasnt put on there and then it says XXXX Now it doesnt say it just says XXXX I have attached a copy of the XXXX XXXX one also apparently my bank is undergoing maintenance so I cant attach the copy of it. Chime does not have XXXX when calling and asking a representative back like youre stupid. I also do not know why XXXX XXXX keeps continuously having a second device attached when I didnt attach it before it said XXXX XXXX now it says XXXX XXXX Pennsylvania XXXX
Consumer complaint received 2024-08-06
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: Experian Information Solutions Inc. (NY)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with EXPERIAN.COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-26
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: Affirm Holdings, Inc (CT)

I make a dispute with affirm.com or Affirm Inc. about me not recieving the merchandise i purchased with the affirm Inc card. on XX/XX/year> affirm denied my dispute without contacting the merchant or submitting a chargeback
Consumer complaint received 2024-08-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: National Credit Systems,Inc. (SC)

ACCOUNT # XXXX XXXX XXXX Just wan na let you know Im disputin that debt you mentioned under the Fair Debt Collection Practices Act XXXX XXXX for more proof or docs just lettin you know I dont agree. If you need to reach me best way is by text on my cell or email on my cell or computer XXXX  to XXXX  between XXXX and XXXX XXXX XXXX XXXX Any other times or methods like live calls or voicemails aint good for me.ACCOUNT # XXXX plus other accounts you saying I'm oweing.
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: NAVY FEDERAL CREDIT UNION (CA)

I am writing to formally request verification of a credit card account that has been reported in my name. 

My legal name is XXXX XXXX, not XXXX XXXX, as has been incorrectly reported. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( a ) ( 1 ), I am entitled to request a reinvestigation of any disputed information and to verify its accuracy.

Please provide the following : 1. Proof of my authorization to open this account, specifically a signed application or other documentation that includes my correct name and signature, per 15 U.S.C. 1681i ( a ).

2. Information on the method used to apply for this account and where it was opened.

3. Copies of any identification or documents used to verify my identity when this account was opened.

Additionally, I want to clarify that the previous account statements you have sent are not proof that I authorized the opening of this account. I therefore demand a re-verification that includes my signature, demonstrating my consent to open this account.

If you can not provide this verification, I request that you : Immediately delete this account from all of my credit reports, per 15 U.S.C. 1681c-2, which requires the deletion of unverifiable information.

Cease reporting this account to all credit reporting agencies.

Provide written confirmation of the deletion and removal from my credit reports.

Furthermore, if this account has been written off or charged off, your company is required to issue a Form 1099-C for canceled debt under IRS regulations . According to IRS guidelines, creditors must file a Form 1099-C to report the cancellation of debt of {$600.00} or more, and I have not received this form as required. If this account was indeed canceled, please provide confirmation of the 1099-C filing or an explanation of its absence.

Please respond in writing within 30 days, as required by law. Thank you for your prompt attention to this matter, and I look forward to your response. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-08-10
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. (GA)

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. 

Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number XXXX XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 2024-08-25
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CREDIT ACCEPTANCE CORPORATION (IL)

car stopped working had a bad motor so I've told them to come pick up car cause i no longer wants it and to get it out my name ive sent them a written 15u.s 1692c stating If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt
Consumer complaint received 2022-04-15
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: CATHAY BANK (NY)

I have been trying to open a passbook saving account but cathay bank tells me different stories customer service rep in messages section said I can branch is tell me no and a representative from they headquarters said they only open for senior citizens I find to be aged discrimination because I'm trying to save better I'm trying to handle my finances better to buy a home in my future I really don't like statement saving I would like a pass book and I know I can be given it I was not given a opportunity to change to passbook
Consumer complaint received 2024-08-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (FL)

On XX/XX/XXXX I got a call from a citibank representative saying there were fraudulent wire transfers on my account. The balances on my Citibank app were tampered with so it showed that I lost money and therefore I thought I had to do " duplicate '' wire transfers to get the money back. However this was a huge mistake because it cost me {$90000.00}. After this happened I went to my local Citibank and told them my situation. However since it was a wire transfer it was tricky to cancel because it went through right before I got to Citibank. It was a big transfer so Citibank should have noticed this because I never did a wire transfer before ever. Citibank is the reason that I lost my money and I need it back. I already contacted the FBI and my local XXXX XXXX but they are taking a while. However I am the most disappointed with my experience with XXXX because they are supposed to protect my money and prevent huge transfers like this from happening. My money is supposed to be FDIC insured up to {$250000.00}. Not only did these people hack into my Citibank app, they hacked into my att phone plan. They switched their phone number with mine by getting my sim card number. They received my calls and I received theirs so they committed a serious crime. They impersonated me when the wire transfers happened because they put in the XXXX time codes because they got the texts. I opened fraud cases with Citibank but they closed them because they are saying that I approved the transfers which isn't true. Citibank is supposed to be the biggest and most secure bank but they let this stuff happen and call their customers liars. I am not planning to just forget about this because this is a lot of money and I know Citibank has more than enough to support me but they just don't want to because it is hard to track these scammers. I have the case numbers of the Citi fraud cases, they are XXXX XXXX for {$24000.00} for account holder XXXX XXXX XXXX XXXX for {$22000.00} for account holder XXXX XXXX XXXX XXXX for {$26000.00} for account holder XXXX XXXX and XXXX XXXX XXXX XXXX for {$16000.00} for account holder XXXX XXXX These cases were closed wrongfully from Citibank and I wanted to complain further to escalate this.
Consumer complaint received 2024-08-25
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A. (CA)

On XX/XX/2024, I authorized an {$8500.00} charge by XXXX XXXX as a partial payment for a floor remodel on my house. The total amount due is approximately {$19000.00}. The contract includes terms that this purchase would be eligible for 2 % cash back as part of a XXXX and Citibank promotion. Other purchases on this card are also to be eligible for between XXXX % cash back reward. 

Because my credit limit was only {$9500.00} and I already had charges on this account, I had an agreement with XXXX XXXX  to pay the balance of the XXXX in XXXX more increments as soon as I paid off the charges and then they could re-run the charges. 

On XX/XX/2024, I paid the outstanding balance of {$9200.00} on my Citibank account. The payment cleared my credit union on XXXX XXXX. However, when I tried to use my account on XX/XX/XXXX, I noticed that my card was declined. On XX/XX/XXXX, I made a series of phone calls to Citibank and XXXX asking why my card was declined. I was told that Citibank was going to need until XX/XX/XXXX to verify my payment. I offered to provide direct proof that the payment had cleared my account instead of waiting 12 days. I was told that was not possible. I also asked for an increase in my credit limit, but that was also declined. 

I can not understand why it would take 12 days to " verify '' an electronic payment. 

Please find a recent printout from Citibank showing payment made on XX/XX/XXXX, and that as of XX/XX/XXXX, my available credit is less than {$3.00}. Also please find a printout from my credit union showing the payment cleared on XX/XX/XXXX.
Consumer complaint received 2024-08-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Velocity Portfolio Group (NY)

XXXX XXXX, 2021. 
XXXX XXXX XXXX  ACCOUNT WAS PAID FOR LESS THEN FULL AND STILL SHOWING DEROGATORY ON XXXX REPORT. 

PLEASE DELETE OFF CREDIT REPORT.
Consumer complaint received 2024-08-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Global Lending Services LLC (TX)

XX/XX/year> I have been trying to dispute wrong information on my credit report from Global Lending services for a long time company has not sent me any proof that this account belongs to me. And I do not recognize it. All this has brought problems to my life by not being able to use my credit in other places. 

Their is written down below Contact info Phone number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX
Consumer complaint received 2024-08-25
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Mercari, Inc. (TX)

I withdrew momey i earned on XX/XX/2024 for items i sold on mercari. The next day they froze my account and stopped the money transfer after i initiated it. It was already initiated and then they stole my money.
Consumer complaint received 2024-08-25
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: CREDIT ACCEPTANCE CORPORATION (MD)

I want to get my settlement for the company that youll sued and told to reimburse harmed consumers and to stop their practice! I been trying to get them off my Credit and the bureaus are still reporting on my credit for one closed on XXXX XXXX and open on XXXX. I need those removed also
Consumer complaint received 2024-08-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CREDIT ACCEPTANCE CORPORATION (SC)

ACCOUNT # XXXX Whats up Just wan na let you know Im disputin that debt you mentioned under the Fair Debt Collection Practices Act Aint askin for more proof or docs just lettin you know I dont agree. If you need to reach me best way is by text on my cell or email on my cell or computer Monday to Friday between XXXX and XXXX XXXX XXXX XXXX Any other times or methods like live calls or voicemails aint good for me.ACCOUNT # XXXX plus other accounts you saying I'm oweing.
Consumer complaint received 2023-07-29
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (IL)

PayPal recently closed my account which I have utilized for the last 15 years. 

Specifically, the account closure was triggered by me purchasing nutritional supplements from a company called XXXX ( in which PayPal was the payment processor ). I authorized these transactions to XXXX using my PayPal account and specifically paid with prepaid XXXX Debit Cards ( that I received as a work incentive and thus wanted to use before they expired ). PayPal accepted my prepaid XXXX  Debit Cards and at no time was I told I couldn't use these on PayPal. I received my suplement order from XXXX and was charged correctly via my PayPal account. Needless to say the transaction itself went of seamless and as expected. 

It wasn't until weeks later when my PayPal account was closed did I fully understand the gravity of my mistake. It was explained to me that using multiple XXXX  debit cards is concern for PayPal and raised a red flag. It was also explained to me XXXX was under litigation with XXXX XXXX. Needless to say, these two things led to the closure of my PayPal account. 

Now what is unfair to me is PayPal accepted my XXXX Debit Cards and at no time was I told this could jeopardize my PayPal account. I would have never used them on PayPal if I was warned. Secondly, PayPal allowed XXXX to open an account on their platform and allowed me to pay them. If they have issue with their PayPal customers using XXXX, why allow XXXX on the platform. It seems XXXX should be punished with the closure of their PayPal account not me. Essentially I was penalized for paying a merchant they allowed me to pay.