davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-02
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Opening an account — Unable to open an account
Company: DISCOVER BANK (CA)

On XX/XX/XXXX, I attempted opening accounts with Discover Bank, I was made aware that my application was declined because my Social Security Number ( SSN ) matches with one of their customers who has taken a loan at Discover bank and as a result I'm UNABLE to open an account with the bank. The same suspect who used my SSN at other financial institutions I reported in XXXX, is still using my SSN at Discover Bank. I've called and spoken with multiple staff at Discover Bank. On XX/XX/XXXX, I called again and spoke to staff after staff, my call was being transferred from one staff to another. I eventually ended up with XXXX from Discover Bank fraud department, while I was yet on the phone with XXXX, the phone hung up. Immediately, I attempted calling Discover back, requesting to be reconnected to XXXX, but the staff transferred me again to a different department and I ended up with another staff named XXXX who unfortunately will not listen to my complaints not until I asked the one question " XXXX, so you're not going to help me as a victim of identity theft? '' In response, she asked for my SSN which I provided, and immediately, she switched gears. She apologized for being very matter-of-fact. To all the Discover Bank staff I spoke to, I informed them that the SSN belongs to me and provided all information needed for verification purposes, I confirmed and verified my Discover Credit card which I've had for a while. I also requested for them to do due diligence in investigating and that I was ready to provide any form of documentation to help with investigation. XXXX promised to either give me a call, or have one of Discover managers give me a call on XX/XX/XXXX. Up until today XX/XX/XXXX, I've not received any call from XXXX nor any of Discover Bank managers. In addition, I created a Federal Trade Commission Identity Theft report, and sent my FTC statement ( attached ), FTC drafted letter ( attached ) dated XX/XX/XXXX with copies of my SOCIAL SECURITY CARD AND MY DRIVER 'S LICENSE on XX/XX/XXXX to Discover Bank DISPUTING THE FRAUDULENT ACCOUNT and requesting that ALL ACCOUNTS opened using my SSN be CLOSED. It's been 20 days and yet no response from Discover Bank. I've requested a CONSUMER DISCLOSURE REPORT from XXXX stating I'm a victim of identity theft, results came in that my SSN was matched with someone else and an investigation was set up. In the next 3 days, I received the result of the completed investigation, confirming that the SSN in question belongs to me and my file with XXXX has been cleared of the other individual 's information. Furthermore, I've placed a freeze and a security alert on my file at XXXX. This is in addition to the freeze and fraud alert I've placed on all my files with the 3 credit bureaus- XXXX XXXX XXXX XXXX AND XXXX XXXX
Consumer complaint received 2023-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

XX/XX/XXXX I sent over a letter requesting inaccurate information to be deleted along with proof : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-19
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 (CA)

I field a dispute against XXXX because the seller sent me the incorrect item. Unfortunately when attempting to return the product, XXXX blocked access to my account and suggested I dispute with my financial institution. Upon filing, Capital one requested information which I faxed almost immediately each time & they closed the case saying they didnt receive what they wanted. I have all my faxs saved that included : purchase info, explanations, wrong item proof, XXXX chats, 3rd party seller response, XXXX  policy, 3rd party seller policy & more. It was for a transaction on XX/XX/XXXX for {$550.00}.
Consumer complaint received 2024-05-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/2024, and I have not yet received a response.
Consumer complaint received 2024-04-13
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (CA)

Dear Sir/Madam, I am writing to express my dissatisfaction and frustration regarding the recent closure of my business credit card accounts.with Chase Bank XXXX My business, XXXX SEASONS PRODUCE AND XXXX XXXX XXXX, has been a valued customer of Chase since XX/XX/XXXX, and I am deeply concerned about the abrupt closure of our accounts. 

On XX/XX/XXXX I received a notification stating that my business credit card accounts was being closed due to reasons unspecified. This action has had severe repercussions for my business operations, including disruption in XXXX XXXX XXXX, inability to process transactions, and uncertainty regarding the status of pending payments and payroll. 

As a legitimate business entity, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. has always maintained full compliance with all regulatory requirements and has never engaged in any unlawful or suspicious activities. Therefore, the closure of our account without prior warning or explanation is not only unjust but also detrimental to our business reputation and financial stability. 

I respectfully request that Chase Bank provides me with a detailed explanation for the closure of my credit card accounts and reconsider its decision. Additionally, I urge you to promptly address unjust closure of my account, I have legitimate business please see my website, https : XXXX, XXXX business accountXXXX XXXX XXXX XXXX, and hundreds of satisfied customers brick and mortar location you are more then welcome to visit my business and see yourself or you can utilized XXXX XXXX view to see my store and sign. 

Furthermore, I expect Chase Bank to review its internal procedures to ensure that such arbitrary actions are not repeated in the future. Transparency and clear communication are essential in maintaining trust and fostering positive relationships with your customers. 

I appreciate your prompt attention to this matter and anticipate a swift resolution. Please contact me at XXXX XXXX XXXX or XXXX to discuss this issue further. 

Thank you for your understanding and cooperation. 

Sincerely, XXXX XXXX / XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-04
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: SYNCHRONY FINANCIAL (MI)

Since 1 year ago I have been trying to close the account TJX Rewards Account Number { XXXX } Because I no longer use this account. 
The problem is that they are charging me to my XXXX debit card number { XXXX } a continuous monthly amount between {$66.00} and {$69.00} dollars without any debt. 
I already contacted XXXX bank to stop the recurring transaction by Synchrony Bank WEB ID { XXXX } but they can not do it because it is an ACH debit ( electronic payment made from one bank ). 
Then when I asked TJ Maxx to cancel the card, they argument they can not because there is an amount in favor. 
I dont know why they are referring an ACH debit but as a fact I need to cancel the recurring charge and Cancel the TJ Maxx card.
Consumer complaint received 2024-05-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion, XXXX, and XXXX.
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: PENTAGON FEDERAL CREDIT UNION (NJ)

There are 3 inquiries on my credit File on XXXX Credit Bureau. 
This Inquiries were not authorized by me. 
Please remove it from my credit file. 

1. XXXX XXXX XXXX XXXX- Inquiry : XXXX XXXX, XXXX XXXX. XXXX -- Inquiry : XXXX XXXX, XXXX XXXX. PENTAGON FCU-XXXX  -- Inquiry : XXXX. XXXX, XXXX
Consumer complaint received 2024-04-13
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: JPMORGAN CHASE & CO. (GA)

Our house went info forclosure after almost 20 years when I lost my business my wife XXXX and I both have been trying to communicate and collect the overage with JP Morgan Mortgage XXXX XXXX and the Attorney Collection agency XXXX XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX mtg file XXXX They keep telling us they will send paperwork and they will not, they finally sent one email asking if we wanted the money owed to us after 6 months and then were suppose to send more paper work to receive it. It has been 7 months now and its still not moving forward. 

We have called a million times and still nothing. They are always saying they are going to send it and they never do. No matter how much we ask. We would like to get our money owed back to us from the sale of our home from overage.
Consumer complaint received 2022-11-26
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. (GA)

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information are not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX Balance : {$15000.00} ; XXXX XXXX  Bankruptcy Reference # : XXXX ; XXXX XXXX  Bankruptcy Reference # : XXXX ; XXXX XXXX Bankruptcy Reference # : XXXX XXXX XXXX XXXX  Bankruptcy Reference # : XXXX ; XXXX XXXX Bankruptcy Reference # : XXXX ; XXXX XXXX Bankruptcy Reference # : XXXX ; XXXX XXXX
Consumer complaint received 2024-03-27
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: FIRST NATIONAL BANK OF OMAHA (CO)

I had a bank account with first national bank for about 4 years and they fired me telling me that I was a fraud risk. A month later I got my social security XXXX which half of it was fraudulently taken from a XXXX account. I had to open a XXXX account because no bank was accepting me. Somehow FNBO knew something that they did not disclose to me not did they even try to guide me to a. Solution. They kicked me off the property when I asked how they could call me a liability, they said it was because I tried to cash a check for my friend, that was no longer good. It had his name typed on the check so how was I to know the check was no good. They did not even cash it, so why did they fire me, what did they know that they didnt tell me. It set me up for failure and the money is still gone and all my devices hacked.
Consumer complaint received 2024-02-25
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BMO Bank, N.A. (PA)

I opened two accounts at BMO Harris, one personal and one business ( for my rental property ). 

Simple Business Checking Account # XXXX opened on XX/XX/XXXX Relationship Checking Account ending in XXXX opened on, I think, XX/XX/XXXX I then deposited money into each of these accounts. 

The personal account received a {$25.00} opening deposit from XXXX XXXX  on XX/XX/XXXX, and then on XX/XX/XXXX I redeemed an I-bond worth {$11000.00} from Treasury Direct into this account. I believe the current balance should be {$11000.00}. 

The business account received a transfer for {$11000.00} from XXXX XXXX  on XX/XX/XXXX. I then used it to make some credit card payments, so I believe the current balance should be {$10000.00}. 

Sometime in XXXX I noticed that I was not able to log into my BMO account anymore. On calling them, I was told that my accounts had been frozen and I would hear from their fraud department " soon '' so that I could verify myself and regain access to them. That never happened. Eventually, in XXXX I called back and asked again for an update on these accounts, and this time I was told that the accounts had been closed as of early XXXX. 

I asked how I would be receiving my funds back, and I was told that I needed to contract the banks from which I transferred funds into these BMO accounts and request that they issue a " recall '' on the transfers. That sounded strange, but I did reach out to XXXX XXXX ( XXXX  XXXX  ) and Treasury Direct. Both told me that they had no ability to issue a recall for transfers that had already been accepted by the recipient bank over two months previously. I then reached out to BMO again to explain what I had been told by these institutions, and they told me they had no further information for me. 

I'm hoping that the CFPB can help me retrieve these funds that BMO seems to be holding, and which I seem to have no ability to reclaim otherwise. 

Thank you very much.
Consumer complaint received 2023-05-04
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. (GA)

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 : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-15
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: Experian Information Solutions Inc. (FL)

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 XXXX  Account Number:XXXX  Account Name : XXXX  XXXX XXXX Account Number:7466 has violated my rights. Or a 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 2023-08-08
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: Experian Information Solutions Inc. (TX)

When I reviewed my credit report, I discovered that these items were erroneous. The Credit Bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: AMERICAN EXPRESS COMPANY (LA)

American Express fraudulently used my nonpublic personal financial information by disclosing said private information to nonaffiliated third parties without my consent. 
I was never provided full disclosure of my privacy rights under the Gramm-Leach-Bliley Act ( 15 USC 6802 ). American Express is depriving my rights under the color of law ( 18 USC 242 ). And is attempting to collect extensions of credit by extortionate means ( 18 USC 894 ).

Said information was shared without authorization nor consent to nonaffiliated third parties, including but not limited to XXXX by way of identity theft, and said third parties are conspiring to collect extensions of credit by extortionate means ( 18 USC 894 ).
Consumer complaint received 2023-12-17
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (TN)

On Sunday XX/XX/XXXX I received a notification in my phone that a charge for XXXX of {$170.00} was made to my account. I did not make this purchase. I have spoken with XXXX and they do not see this charge on my account. My cards are setup to where if I use any of those cards they will link to my XXXX account. 

I waited until the charge posted and filed a dispute. 

Chime denied my dispute stating the charge is valid. I have asked for proof. Never received. The phone rep hung up on me.
Consumer complaint received 2023-06-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I greatly appreciate the time and effort made by the Credit Reporting Agencies in removing a portion of the fraudulent accounts and information reported on my Credit File. However, there are still accounts that should have been removed but remain on my Credit File. According to the Fair Credit Reporting Act, the Credit Reporting Agencies are legally obligated to investigate and remove any accounts and information resulting from fraudulent activities. The disputed accounts have no relation to any transactions where I obtained goods, services, or money, nor did I authorize them. Therefore, I kindly request that the Credit Bureaus block the reporting of any information in my credit file that resulted from identity theft. Please remove the remaining accounts and information off of my Credit File as soon as possible ; XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}. Furthermore, I have noticed discrepancies in the information provided by the Credit Bureaus. Some accounts that have been deleted by other bureaus still appear in the reports provided by the Credit Bureaus involved. This raises doubts about the accuracy of the reported information. Additionally, the reported payment history on some accounts is unclear to me. I would appreciate clarification on these matters.
Consumer complaint received 2024-05-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This account is consistently reporting a balance that's not correct, they closed the account and opened up another account number and extended me credit in that account, but kept the balance of the old account, also, the balance is not reporting correctly and is steady increasing despite payments being made. XXXX is not doing well by me and this account is killing my credit.
Consumer complaint received 2023-08-08
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: Experian Information Solutions Inc. (MA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.