davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (CA)

It was many times when I saw an amount taken from my card, transaction completed, and funds no more available, time passed and I saw the amount was low, I call Citibank, said " you stole my money again '', next they put some money back, said " We return insufficient funds '', and this looks nonsense, if its returned funds, why the bank return the same amount? recently it was XXXX $ paid through XXXX to XXXX. Next, I brought the check, XXXX $ deposit, and the banker said your balance is XXXX XXXX I said " ok '', but wondered how it happened, after the deposit check, I purchased for about XXXX XXXX the same day I cancelled the purchase on XXXX and XXXX said they refunded it all. When my deposit became available, it was less than I expected. Calling the bank they said all money refunded from XXXX, goes to cover my negative balance on the card, and this person said my negative balance was XXXX XXXX I said that after depositing a {$2500.00} check, I deposited XXXX and XXXX cash, and I spent less amount, and the banker told me it was XXXX $ negative balance, so I thought my money was stolen and I demanded a complete audit of all transactions. That person did not answer anything, and the next attempts to call their fraud line were unsuccessful. Emails to Citibank have no answer as well. Such a situation is far from the first time, once they stole XXXX XXXX i called there and they said they found my XXXX XXXX but I had no idea what this XXXX $ was, they said " sorry, it was a wrong charge '', but it was a couple years ago. Once I installed my card and machine said " Your negative balance is XXXX '', I have this screenshot somewhere, can find it later. The next day they said " The bank is not responsible for how ATM is working '', this is true story, as it happened a few years ago, I can confirm under Oath it really happened and that time I thought its just an occasional mistake, but more I use Citibank, more such a " mistakes '' marked me sure " Citibank '' intentionally use backdating and so called " mistakes '' for the reason of stole the client 's money.
Consumer complaint received 2024-06-12
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY (NY)

Hello and good day to you! 

I'm having issue with American Express, They closed my personal and business accounts due to payment return was made. I was NOT notify about my payment being the issue, I was only notifed today telling me all my accounts are closed and nothing can be down. 

Mind you the account that had the payment return issue is a 0 % APR card for about 8 months. Prior to that I made a payment before so the minium for the account wasnt required no more to keep it open. 

And they just close my account just because the account used to pay, didnt have funds which I transfer funds from American Express to pay the amount and they said that no transfers were made either. 

And prior to this I called them a few days before this occured due to the 'return payment fee '' I saw on an account and i even asked about but werent specific to tell what is came from, and they never mentioned me about this manner. 

I have the funds to pay it back, but them just closing my account without any notification to have me fix the payment issue seems unfair. I always had on time payments with them for 2 years for my personal and business account. I do business with this bank.
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (GA)

I have been attempting to get my Equifax credit file unlocked by Equifax consumer affairs department and they have NOT been doing their job. Every time I call in they lie and say that they have completed the task and that I will be able to see my credit score or that other companies and lenders would be able to see my credit score, but after waiting the 24 hours MULTIPLE times my credit is still block and lenders are still unable to see my credit report. I can not move into an apartment either because my credit score is being blocked. I reached out to Equifax on XX/XX/year> about this issue again I spoke with XXXX at XXXXXXXX XXXX EST FRO MTHE CONSUMER AFFIRS DEPARTMENT. XXXX seemed be joking on the phone and he did not unlock my credit score after stating that it would be unlocked after 24 hours. XXXX gave me a confirmation number meaning that the issue would be resolved or solved and nothing happened the confirmation number is # XXXX. I do not believe that this is a valid confirmation from XXXX. I believe that XXXX lied to me and that is very unprofessional for a major company such as Equifax to do something like this. I would like for my credit report to be available for lenders to see so that I can move into my apartment and have the option to apply for credit cards. also there they confirmed that they have received y identity documents multiple times and they told me that they received my request in XXXX and just never processed anything. that is very unprofessional.
Consumer complaint received 2024-08-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

TO WHOM IT MAY CONCERN I HAVE DISPUTED UNAUTHORIZED ITEMS AND ASKED FOR PROOF AND VERIFICATION OF OWNERSHIP OR EVEN A CERTIFIED RECEIPT VIA CERTIFIED MAIL ACKNOWLEDGING A DEBT OWED WITHOUT THESE ITES THEY ARE VIOLATING MY FAIR CREDIT CONSUMER RIGHTS AND ACCOUNTS NEED TO BE REMOVED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AND XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-19
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (TN)

On XX/XX/XXXX I requested that Paypal transfer {$1500.00} from my account to my personal checking account at XXXXXXXX XXXX  They claim that the money transferred on XX/XX/XXXX. However, it has not posted to my account. Paypal claims to have run a trace and has given me an ACH trace number. However, my bank has no record of that number. 

My bank has suggested that I have Paypal dispute the transfer. However, Paypal is refusing to do so. 

I find myself stuck in a loop where Paypal insists they sent the money yet my bank has no record of receiving it. I think the problem is Paypal 's refusal to take the step of disputing the transfer.
Consumer complaint received 2024-09-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

A month ago, I submitted a complaint to these Bureaus, but the incorrect information on my report is still there. I haven't heard back from them, aside from your notification that the company has replied to my complaint. How can I trust that they've properly investigated the inaccuracies? What steps did they take to verify the accounts? This entire situation is really frustrating, especially since it's been over 30 days since I filed my complaint.
Consumer complaint received 2024-08-14
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I am running a business through a company namely XXXX XXXX XXXX ( a TX registered XXXX ) and have a merchant account service with Bank of America having Merchant account # XXXX. The BOA merchant service has not transferred any money to my Bank account with XXXX bank from my XXXX account, although I am regularly submitting my sale to the merchant service. On enquiry I came to know that my merchant account has been froze by the bank and they are illegally keeping my money with them and have crippled my business, and I am starving for money. this XXXX account was opened with bank of America XXXX XXXX XXXX and bank had in obtained an application and detailed information about my company and myself. I am at loss that they have frozen my account without informing me and without reason. I request that the bank of America be asked to remit my money and appropriate action against the bank be taken as per law.
Consumer complaint received 2024-06-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Resurgent Capital Services L.P. (MD)

Dear Sir/Madam, I am writing to bring to your attention an issue I have encountered with XXXX XXXX XXXX  and Resurgent Receivables, LLC, and to seek your assistance in resolving it. 

I received communication from XXXX XXXXXXXX XXXX regarding a debt that was charged off on XX/XX/year>, and subsequently transferred to Resurgent Receivables, LLC. Despite my attempts to address the matter with both companies, I have been unsuccessful in having the account removed from my credit report. 

I respectfully request your intervention to facilitate the removal of this account from my credit report. 

Thank you for your attention to this matter. I hope for a swift resolution with your assistance. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-08-04
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. (FL)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-11
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Waypoint Resource Group, LLC (TX)

WAYPOINT RESOURCE GROUP {$160.00} Open balance WAYPOINT RESOURCE GROUP Original creditor Opened XXXX XXXXXXXX XXXX  ( XXXX yrs, XXXX mos ) Account status Open Responsibility Individual Remarks Placed for collection Original creditor name XXXX XXXX XXXX The last response I got was : Hello, Do you have another address or phone number that this account could be associated with? Thank you, XXXX XXXX THIS COMMUNICATION IS FROM A DEBT COLLECTOR. THIS IS AN ATTEMPT TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. I called again and I finally got an account number after they try to sell me my own credit report. Account number : XXXX Will be filing with the BBB as they are liers and scammers, I've been in prison the last 4 years so no way I should have this on my credit score. They lied the first two times and said they couldn't find my account and when I called they found it even without my social. They ARE XXXX 'S! account number : XXXX, telephone number : XXXX, address XXXX XXXX XXXX XXXX XXXX, XXXX. 

They keep requiring more and more information, first they ask me for the account number, that's not good enough, now they ask me for my phone number, that's not Good enough, now they ask me for my address, that's not good enough. 

I will be reporting you to the BBB
Consumer complaint received 2024-06-11
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Chime Financial Inc (IL)

Chime card is fraud and take to use XXXX XXXX my account and chime card take money XXXX and both XXXX XXXX and Chime Deny Chime opening new account my name and after complaining this account close my refund unbelievable XXXX cents refund wheres is XXXX dollars they responsible to back money refund
Consumer complaint received 2024-06-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc (UT)

sometime on XX/XX/year> i tried to gain access to my chime account on my phone as i usually do a few times a day probably for the last 4+ years. and was told that i needed to contact chime because they put a hold on gaining access and my cards were already cancelled due to someone trying to use my card im not even sure where. then they tried again different location at a later day is when they put a hold. i immediately asked them what i needed to do and spent the next 3 hours trying to get verified. i provided copies of id as requested as was told they would not accept that id because i did not have physical posession. I still did have that id was just left in a bag that took a trip across country andf i explained this several times to no success. so immediately i made appt for my local state drivers license bureau for my state id and went on XX/XX/year> and immediately returned with my new temporary legally issued state of utah ID card. upon trying to get reverified was told that my real id they would not accept before but also wont accept this paper id? a legal valid state issued id is not good enough for chime bank? these people are a disgrace and should be fined and fired.
Consumer complaint received 2024-06-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: HYUNDAI CAPITAL AMERICA (FL)

" 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 TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX XXXX XXXX XXXXXXXX. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Consumer complaint received 2024-06-11
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: U.S. BANCORP (TX)

Despite the fact that Fidelity XXXX is promoting a credit cards on their website, the product is unavailable. The website sends you from one page to another but never the actual application page. I called their customer service number and was told I could not apply over the phone ; only online and that it was a known issue that the website never works.
Consumer complaint received 2024-08-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (IL)

Subject : Urgent Request for Removal of Incorrect Information on My Credit Report Dear Experian Customer Service, I am writing to formally express my concern regarding the incorrect information currently listed on my credit report. Specifically, there are 17 accounts reflected on my report, but I only have 5 open and active accounts. The remaining accounts are closed, outdated and should have been removed.

I have made multiple requests for correction, yet the inaccurate information continues to remain on my credit report. It is not necessary to keep old, outdated accounts showing on my report, as they no longer reflect my current financial situation. These inaccuracies are negatively impacting my credit score and causing unnecessary frustration.

I kindly urge Experian to promptly investigate and remove these outdated accounts from my report. Please update my credit report immediately to accurately reflect only my 5 active accounts.

Please confirm receipt of this complaint and provide a timeline for when this issue will be resolved.

Thank you for your immediate attention to this matter.

I have one
Consumer complaint received 2024-06-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: PORTFOLIO RECOVERY ASSOCIATES INC (OH)

I reached out to this creditor as there are reporting false information on my credit profile, I requested proof of ownership of the account and contracts and I also requested a copy of the information that was used to verify these accounts as accurate and I was never supplied with any information!!
Consumer complaint received 2024-06-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Kovo (OH)

I reached out to this creditor as there are reporting false information on my credit profile, I requested proof of ownership of the account and contracts and I also requested a copy of the information that was used to verify these accounts as accurate and I was never supplied with any information!!
Consumer complaint received 2024-06-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (AR)

I have attempted to dispute this debt as I believe it was fraudulently charged via identity theft. I was incarcerated during the time period this debt was charged off by creditor. Pursuant to FCRA 605 ( b ) this company is in violation of reporting this to CRAs without my permission.

A written request was sent to company requesting validation by proof of original contract with authorized signature pursuant to consumer code 15 USC 1682 ( g ) ( b ) and 15 USC 1681 ( a ) ( 2 ). Company has failed to provide the validation i formation has continued to violate my consumer rights by reporting to CRAs unlawfully. 

I will again attempt to send a request for validation pursuant to consumer laws. Should the company provide verification of original contract with my authorized signature on the contract, then I will withdraw this complaint. Should the company fail to respond within 15 days with proof of validation I will seek to pursue remedy against this collection agency pursuant to 18 USC 1028A.
Consumer complaint received 2024-06-11
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (TX)

I lost access to an old email which was attached to a Coinbase acct. Since I had also changed my phone number there was no way to verify me. I opened a support case with them, case number is XXXX, They had me send my photo identification via a portal for that purpose. It was successfully uploaded and yet they never gave me access to my account or a way to reset password and update info. I sent three follow up emails with no answer over course of next 3 months. In the account Im attempting to access is a sizable amount of cryptos. I cant believe such a large company could be so unprofessional and scammy. Please help.
Consumer complaint received 2024-06-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: World Omni Financial Corp. (FL)

" 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 TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX - XXXX. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Consumer complaint received 2023-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (NC)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2024-06-11
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (FL)

Between XX/XX/XXXX and XX/XX/XXXX, XXXX XXXX XXXX withdrew {$220.00} monthly from a business account associated with our credit card processing account. We contacted XXXX customer service to request information about the withdrawals and they state that they are unable to research the withdrawals as they don't appear in our processing account. They told us to contact our bank. So we contacted Chase Bank and requested that they investigate the withdrawals. They refused to investigate because we supplied our routing and account number to authorize the ACH withdrawal and told us to seek resolution from the recipient and that they can do nothing. 

XXXX XXXX XXXX has received {$5200.00} in electronic withdrawals from our business account. We have no way to identify who received this money without assistance from either XXXX or XXXX and both organizations have declined to research this unauthorized activity for " policy '' reasons. There are trace numbers for each transaction that can be provided upon request. 

Your assistance is urgently needed and appreciated.