davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-15
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Affirm Holdings, Inc (GA)

The last date I was able to make a payment to my account was around XX/XX/XXXX. I have not been able to access my account and profile since XX/XX/XXXX, or since I updated my cell phone number and email. Since XX/XX/XXXX, I have been lied to from Affirm Representatives about when I would have access to my account. On XX/XX/XXXX, I was informed by an Affirm Supervisor that I would be able to access my account by XX/XX/XXXX. I can not access my account today. The Supervisor I spoke with today said it could take an additional 3-5 business days to access my account with my updated information and to make a payment. I sent an email to the CEO of Affirm today which states the following : Dear CEO, I am very displeased with the way your Affirm Representatives have handled me gaining access back into my Affirm account. 

I changed my cell phone number around XX/XX/XXXX, and updated my Affirm account. Since, I have not been able to gain access back in to my account. To make matters worse, someone elses first name, last name, account purchase history, and email address was showing in my account with my new number. 

I have called and spoke with an Affirm Representative and/or Supervisor almost every single day regarding this matter with no avail. Most of them seem untrained and have no clue as to what is going on. I have sent the front and back copy of my drivers license and I have taken a photograph as required by your system in order to access my account. 

I am concern with intentional identity theft at this point in the process. 

Please assist with this matter, and advise on how to move forward as soon as possible. 

Sincerely, XXXX XXXX XXXX If I am unable to make payments to my account due to their database system issue, then I should not be held liable in any way.
Consumer complaint received 2023-09-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am applying for a mortgage and my lender advised me there were inquires on my account that I did not apply for which are the following : Remove the 3 inquiries from my Transunion : XXXX XXXX XXXX XX/XX/2XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/2023 XXXX XXXX  | XX/XX/2023 Remove the 2 inquiries from my Experian : XXXX XXXX XXXX XXXX XXXX XXXX They need to be removed immediately I never applied for these and they never permissable purpose
Consumer complaint received 2024-06-27
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (CA)

Subject : Urgent Complaint Regarding Deceitful Handling of My Chase Bank Account Dear Customer Service, I am writing to express my extreme disappointment and frustration with the recent treatment I have received from Chase Bank regarding my checking account. After being a loyal customer for over 8 years, I was shocked to receive an email XXXX day notifying me that my account has been restricted, leaving me unable to access my own money. 

Upon contacting Chase Bank, I was told that it was an " upper management decision '' and that they were unable to provide me with any specific reasons due to confidentiality. This lack of transparency and accountability is unacceptable, especially considering the significant impact it has had on my financial wellbeing. 

For over a month now, my hard-earned money has been held XXXX in my account, with no communication or updates provided to me regarding the status of the restriction. This has caused me undue stress and inconvenience, as I rely on these funds for my everyday expenses and bills. 

I urge Chase Bank to promptly investigate this matter and provide me with a clear explanation for why my account was restricted. I expect a resolution to be reached swiftly, along with appropriate compensation for the hardships I have endured as a result of this unjust action.
Consumer complaint received 2023-09-15
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY (NE)

I recieves a text from a USPS stating my package was delayed and to update address. After updating they said it needed a XXXX ( XXXX XXXX  ) rerouting fee. I paid the fee and was never sent a receipt and later checked my checking account and saw {$500.00} and {$750.00} charge from the company. I failed it with my bank, froze my anccount, got a new card and they still have denied the claim. I have recovered the text message and the site was taken down due to scam reportings. USPS had also put a notice on their official website of this new scam that I had not seen until I was a victim.
Consumer complaint received 2024-06-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

I am a natural person, I am a living human being, I have rights under 15 USC 1681. Experian is governed by 15 USC 1681, and they violated my rights a number of times. I demand the accounts listed below be deleted because According to the 15 USC 1681 : I have the right to privacy and I did not give Experian written permission to furnish these accounts. 

Accounts : XXXX XXXX Inquiry date XX/XX/XXXXXXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXXXXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date Open XXXX XXXX Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Credit card
Consumer complaint received 2024-02-12
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A. (TX)

I am writing to formally express my dissatisfaction and concern regarding the decision made by Citibank to deny my recent application for a credit card. The denial was based on the presence of a collection account on my credit report, which I must stress is not a reflection of my financial behavior or creditworthiness. This account is, in fact, the result of identity theft an issue that has plagued me and against which I have been diligently fighting to protect my financial integrity. 

It is disheartening to see that despite my efforts to rectify this situation, including the filing of disputes with credit reporting agencies and the provision of substantial documentation to prove my case, my application was still denied. I want to emphasize that the collection account in question does not belong to me. I have been a victim of identity theft, and the fraudulent activities conducted under my name should not be used as a basis to evaluate my creditworthiness. 

Furthermore, it is important to address the matter of the security ( application ) that I tendered to Citibank. It is my understanding that such securities are commonly traded by financial institutions and can be leveraged to generate profit. Despite the erroneous collection account, the value I offered through my application remains a viable asset that Citibank can capitalize on. Therefore, it is perplexing and unfair that my application was rejected on grounds that are not only incorrect but also overlook the potential financial benefit to Citibank. 

Enclosed with this letter, you will find a detailed report that outlines my situation, including evidence of my identity theft case and the steps I have taken to dispute the wrongful collection account. I kindly request that my application be re-evaluated in light of this new information, and that greater consideration be given to the fact that the negative mark on my credit report is the result of criminal activity, not financial irresponsibility on my part. 
I trust that Citibank values fairness and the importance of accurate information in making credit decisions. As such, I hope for a prompt review of my case and a favorable reconsideration of my credit card application. I am willing to provide any further information or documentation that may be required to facilitate this process.

Thank you for your attention to this matter!
Consumer complaint received 2024-06-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

I am writing to formally address the ongoing and unresolved issue of fraudulent items on my credit report. Despite numerous attempts and providing extensive documentation to have these inaccuracies corrected, these fraudulent items continue to appear on my credit report, severely impacting my financial standing and credibility. I demand immediate action to rectify this matter. I expect a thorough investigation into why these fraudulent items continue to persist on my credit report despite multiple requests for their removal. Additionally, I require a detailed explanation of the steps being taken to resolve this issue and a clear timeline for its resolution. Also, I request compensation for the considerable inconvenience, stress, and potential financial harm caused by the ongoing presence of these fraudulent items on my credit report. They have negatively affected my ability to obtain credit, secure loans, and pursue other financial opportunities crucial for my financial stability. 
The following items should be remove as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-12-01
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Bank of America, with the help of " XXXX XXXX XXXX '' has arbitrarily and capriciously denied me a simple bank account for my brand new company, which has no adverse credit history or anything. This is in effect an outright ban or boycott of me and my ability to have a bank account in the United States of America. Dangerous slippery slope for all, indeed. Please investigate and advise.
Consumer complaint received 2023-08-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the Fair Credit Reporting Act XXXX Account has violated my rights. 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 intrusions. 
XXXX. XXXX XXXX XXXX XXXX XXXX Balance Contacted the Buraus to notify not my account. 
XXXXXXXX DEPTEDXXXX XXXXXXXX XXXX Balance Contacted the Buraus to notify not my account. XXXX. DEPTEDXXXX XXXXXX/XX/XXXX XXXX Balance Contacted the Buraus to notify not my account. Duplicate Account XXXX. DEPTEDXXXX XXXX XXXXXXXX Balance Contacted the Buraus to notify not my account. XXXX. DEPTEDXXXX  XX/XX/XXXX XXXX Balance Contacted the Buraus to notify not my account. XXXX. DEPTEDXXXX XXXXXX/XX/XXXX XXXX Balance Contacted the Buraus to notify not my account. Duplicate Account XXXX. DEPTEDXXXX XXXXXX/XX/XXXX XXXX Balance Contacted the Buraus to notify not my account. Duplicate Account 8.DEPTEDXXXX XXXX XXXX Balance Contacted the Buraus to notify not my account. Duplicate Account
Consumer complaint received 2024-07-02
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Bread Financial Holdings, Inc. (WA)

On XX/XX/year>, I was at the XXXX getting ready for a XXXX They informed me that I would owe {$4600.00} if I were to proceed. I explained that I could not pay that. The office assistance told to wait a minute, and then she gave a form to sign and said I was able to work it out. I was not told the form I signed was a credit card application for Smile Generations ( Commenity Bank ). Now I am in a situation where Smile Generations is sending me bills for {$5100.00}. I have tried many times to explain that I never intended to sign up for a credit card, and I also explained that I can not pay this amount, especially with the interest charged piling up. They keep calling me and are rude. Very unprofessional. I've spoken with Medicare about paying for the XXXX XXXX  with my annual benefit and they can not provide any help.
Consumer complaint received 2024-07-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

RE : TRAFFICKING BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of trafficking. The information listed below, that is currently listed on my credit report is a result of that trafficking. Listed below are the Personal Information that are being challenged Incorrect Name : - XXXX XXXX XXXX Incorrect CurrentAddress : - XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL, XXXX Employer - XXXX XXXX Listed below are the Accounts that are being challenged XXXX - XXXX XXXX - XXXX XXXX XXXX - XXXX Listed below are the Collections that are being challenged XXXX - XXXX XXXX - XXXX Listed below are the Public Records that are being challenged Federal - XXXX PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN XXXX BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF TRAFFICKING IN PERSONS OR XXXX XXXX TRAFFICKING. IF THE CONSUMER HAS PROVIDED TRAFFICKING DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. CFPB-2022-0023 ] RIN 3170-AB12 PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF HUMAN TRAFFICKING ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TOTHISMATTER!!
Consumer complaint received 2024-06-25
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: FISERV INC. (CA)

Money Network stole money from my account and deposited into their account. 

The first rep said she cancelled the transaction and placed my account in hold, she did not. 

The second person hung up on me when I tried to file a complaint. 

The third, 4th and 5th people refused to assist in expediting the situation. 

Stealing money has been a common occurrence for money network customers. This needs to be investigated immediately.
Consumer complaint received 2023-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

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 an account without my written instructions.
Consumer complaint received 2024-06-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (LA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-06-25
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Capital One did not charge to correct bank accounts on my XXXX XXXXXXXX card and violated the new max fee limit established by cfpb legislation back in march by charging excessive XXXXXXXX XXXX fees and XXXX dollar late fees multiple times on my XXXX  XXXX card
Consumer complaint received 2024-07-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

Im in disagreement with the accounts listed below which still appears on my credit report, even after your investigation. I would like this item immediately re-investigated. The inaccuracies are injurious to my credit score. 

XXXX XXXX XXXX, Reference # XXXX Bankruptcy XXXXXXXX  XXXX, Reference # XXXX
Consumer complaint received 2023-11-30
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP (GA)

I've filed a complaint on XX/XX/XXXX with CFPB with not being able to access funds on this prepaid gift card I purchased. I received a response from someone named XXXX, see attached letter. On XX/XX/XXXX I reached out again to rectify the issue I was told again to fax my personal information to a number they provided. I did and waited a week to follow up. Of course the fax number was down during that period and I was asked to fax to another number on XX/XX/XXXX. I was told by a supervisor named XXXX that I would need to wait another XXXX  days to make sure they receive the fax. This is beyond ridiculous to wait that long to verify a fax and even worst to go through this to retrieve my money because of some " suspected fraud '' on a card that was working.
Consumer complaint received 2023-08-02
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: Experian Information Solutions Inc. (NY)

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. 

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 2024-06-04
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: Experian Information Solutions Inc. (NC)

On XX/XX/XXXX, I noted a collections account on my credit report and made inquiry only to determine that someone was trying to obtain a lease ( in XXXXXXXX XXXX ) under my information. I immediately reached out to the collection agency as well as to the credit reporting agencies. I was advised to file an identity theft report with the Federal Trade Commission ( FTC ) and a police report. Since I live in XXXX XXXX I had to make the report to the XXXX Police Department ( XXXX ) over the phone and file freedom of information report in order to obtain a copy of my own police report since it was not feasible for me to fly to XXXX for the report. I followed all recommendations from the FTC following the filing of my identity theft report and reached out the debt collection company as well as the XXXX credit reporting agencies. All three agencies initiated the extended fraud alert ( EFA ) on my behalf and stated the collection account would be removed. XX/XX/XXXX, I sought a personal loan and found the same debt collection agency was attempting to collect the same account previously identified, however, only Experian had not removed the account. Upon speaking with an agent from Experian she stated that it was true that I could only receive the EFA if I had been a victim of identity theft, but she saw no record of my ever submitting the information informing them of the fraudulent account, and she could not tell me how the EFA was placed without that information. So, I began the initial dispute process again within XXXX days Experian stated the information was accurate and would remain on my report. I was then uploaded FTC identity theft report, XXXX report, copy of my driver 's license, proof of my address as well as other supporting information. I uploaded the information on XX/XX/XXXX, at approx. XXXX pm by XXXX pm I received an email from Experian basically saying I was being dishonest, that my FTC report was fraudulent as well as my XXXX  report and that they would not remove the fraudulent information from my account because it wasnt fraud. After reviewing all of my supporting documents they have determined this is my account. Even though the information relied upon from the collection agency had no identification, no signature, my name was initially misspelled, and the supporting documents only demonstrated a XXXX document with a computer generated initial and this was all that was required to determine my liability.