davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC. (CT)

I received a check for the sale of my interest in a property I legally had claim to. The check was from citizens bank. I opened a citizens bank checking account with a branch manager who assured me I'd have access to the funds same day due to the check being drawn from citizens. Initially this was true. About 12 hous later my funds were on hold to be verified. I called as high up as I could in citizens and got a supervisor who seemed to have fixed the issue that same day. Over the next week every other transaction I made froze my card, made no difference online or via card, each time I had to waste 25+ mins calling in and having to verify my last 5 transactions, one day there was 7 phone calls placed to unfreeze. Then during a very crucial moment ny card declined. I called in and was told my card didn't exist. I went into a branch and was told they couldn't tell me why or whats going on but my account is suspended and under review and gave me the cust. Service phone number. Humoring it I've called every day for a week now with the highest ranking individual being the head of citizens office of the customer, who has promised me a call back by end of day 3 days ago and has not done so. The other part of this complaint is in regards to the policy of sending a letter informing thr customer of this closure. I do not have a physical address at this time as I was supposed to make a down-payment on a home that I was unable to do because of the hold. The letter will not reach me. No one seems to care about this and I've suggested multiple alternative methods and I'm still not getting calls back, being " accidentally '' hung up on, and wasting easily 3 hours a day attempting to reach a solution or even any information, the mobile app dosent recognize my acct anymore and my debit card was cancelled, I have zero access to my own funds ... that were from a citizens bank check, deposited in a citizens bank acct. Due to an investigation ... of thier own money.
Consumer complaint received 2023-09-29
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ZWICKER & ASSOCIATES (CA)

In XX/XX/XXXX, I contacted zwicker and associates to resolve a debt I had with an old XXXX card. It was agreed that I would make XXXX payments of {$1000.00} every month, starting XX/XX/XXXX. However, zwicker and associates stated that their system only allows 12 months of automatic payments and I would have to call back in XX/XX/XXXX to set up last XXXX payments. I attempted to contact the same representative twice on XX/XX/XXXX and was told that she was not available. In XXXX I spoke with another representative who stated that its impossible to find that original representative because of the way their phone system is made so she offered to help me set up the XXXX remaining payments. I told her that since its now XXXX, can the final payments be XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. She said yes, she set up the plan and transferred to Support who would take my bank information. Once I was transferred, Support said that what he has on file is XXXX payments, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I told him that this was not the arrangement made. He said that he would transfer me back to the representative however after several minutes he said that he could not locate her and transferred me to another person. This new person said something completely different. She said that I couldnt make XXXX payments starting XX/XX/XXXX. She said my final payment could not be XX/XX/XXXX. She said that I had to make XXXX payments in XXXX and the final XX/XX/XXXX. I asked why when the previous person said I could. She said that in her computer system she does not see the payment arrangement made by the previous representative and that the previous representative only put down that I missed a payment. Both of these representatives are lying. The payments arrangement had to be in the computer because when the previous representative transferred me to Support that representative had it in his computer system. Why did it all of a sudden disappear from the computer system. Further, I told the representative that I am aware that phone calls are recorded. That her manager could go back and listen the call. But she was pushy and insistent that I needed to make a payment. So I only agreed on the XX/XX/XXXX payment and said I would call back and I also said I wanted to file a complaint and a resolution. She said a resolution could not be met.
Consumer complaint received 2023-08-28
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. (NC)

In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX XXXX - ACCOUNT XXXX XXXX XXXX XXXX XXXX - ACCOUNT XXXX XXXX XXXX XXXXXXXX - ACCT XXXX XXXX XXXX XXXX XXXX ACCOUNT XXXX XXXXXXXX, 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 instructions.
Consumer complaint received 2024-01-17
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: KBR INC DBA RASH CURTIS & ASSOCIATES (CA)

Items of complaint : I have had a XXXX home security monitoring system since XX/XX/XXXX. I have been paying a monthly payment of XXXX ( XXXX basic monitoring fee + XXXX equipment fee ). In XX/XX/XXXX, I chose to install the XXXX video camera. The video camera plus installation was XXXX per contract and monthly monitoring fee will increase from basic monitoring XXXX to smart monitoring XXXX per contract. I paid off the XXXX upfront on XX/XX/XXXX. Per the salesman, the door I chose was connected to my house 's electricity so no battery was involved and no need to recharge. 

However, XXXX installed a more expensive doorbell without telling me. XXXX installed a battery driven doorbell and it needed to be recharged. They also charged me a total of XXXX and took from my credit card XXXX on XX/XX/XXXX in addition to the XXXX I paid. I had NO knowledge of any of these. In XXXX, all of sudden, my doorbell stopped working due to the battery needing recharge. I was very puzzled since I thought my doorbell did not have a battery and did not need to recharge. I phoned XXXX. XXXX wanted me to recharge my doorbell myself. I tried but was unable to remove the screws they put in. I phoned them again to ask them to send someone to help. They said in order for them to send someone, I need to pay the balance on my account. 

I was so confused since I paid off the doorbell. I took a look at the bill and was furious. For the month of XXXX, I got charged XXXX. XXXX for the more expensive doorbell in addition to the XXXX I paid. 
XXXX. XXXX = XXXX ( my usual monthly basic home monitoring fee + equipment fee ) XXXX. XXXX the prorated the smart home monitoring fee ( XXXX ) for this month. 

I already paid the basic monitoring XXXX. WHY do I have to pay a prorated fee of XXXX for the same month?? I should just get charged XXXX = XXXX for the entire month. 

For the month of XXXX, I got charged XXXX. XXXX = XXXX ( my usual monthly basic home monitoring fee + equipment fee ) XXXX. XXXX smart home monitoring fee. They charged me both smart home monitoring fee and basic home monitoring fee for the same month?? 


I escalated this to the department of insurance of California and sent in all my evidence documents. 

However, on XX/XX/XXXX, I received a debt collection letter from XXXX XXXX stating that I have owed XXXX XXXX home XXXX on XX/XX/XXXX. I don't know why I owe them XXXX on XX/XX/XXXX.
Consumer complaint received 2023-05-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

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 XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2023-11-22
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. (OH)

Mortgage lender can not pull equifax report. They are saying their IT department is receiving a message saying Information from your inquiry has been identified as potentially fraudulent or misused, therefore the credit report is not available for delivery. I have reached out to equifax and there are no freezes or frauds are reported. Also reached to the company pulling report and was also told there are no flags reported. We are in a time crunch to get this report and no one seems to know whats going on. Thanks
Consumer complaint received 2022-11-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NE)

I keep sending them letters for them to remove inaccurate information and make the corrections updates and remove incorrect information. I also ask them to validate but they refuse to make the updates and changes and this is causing many trials and unnecessary difficulties.
Consumer complaint received 2018-10-19
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: WELLS FARGO & COMPANY (MA)

Recently went to scrap my car and found there is still a lien on it. Wells fargo dealer services says there was still a balance on it. They never sent anything saying there where missed payments and even though when I moved 5+ years ago I called to update my contact information it appears that whoever I talked to at the time failed to update my contact information. I had auto payments set up so I do not understand how there is still a balance on the account. I contacted Wells fargo dealer services on XX/XX/XXXX and was told they could not take payment on the account and that I would receive the title in 30-45 days I checked today and it still shows the lien has not been released.
Consumer complaint received 2024-04-29
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (NV)

On XX/XX/XXXX i was charged a {$30.00} late fee, on XX/XX/XXXX i was charged a {$37.00} late fee, on XX/XX/XXXX i was charged a {$37.00} and XX/XX/XXXX i was charged {$37.00} late fee. I noticed that each month Alphaeon always has something wrong with the payment website. Several times I logged on to make my payment as agreed in contract but my account would be disabled/locked and unable to log into. 

Alphaeon, comenity bank has charged me {$140.00} in late fees even when my monthly payments were not late. 

15 USC 1666b- timing of payments state that a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637B of this title is mailed or delivered to the consumer no later than 21 days before the payment due date.

This creditor Alphaeon is in violation of 15 USC 1666B by considering my payments late and automatically charging me late fees for payments that LEGALLY WERE NOT LATE. I demand this creditor to prove they have reasonable procedures designed to ensure that my periodic statement was mailed or delivered to me no later than 21 days before the due date for each date of payments they considered late and charged fees on. 

I have not received my periodic statement 21 days before the due date on a monthly basis yet this creditor still automatically charges me late fees, which is in violation of my rights under the FCRA.
Consumer complaint received 2018-05-22
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I have been put on XXXX and XXXX for fraud activity due to a closed account from Bank of America .. since then I have disputes this information with ews and fraud activity has since been removed by Bank of America .. Bank of America has yet to remove this same information from chexsystems and I was recently able to open an act with XXXX XXXX after calling and verifying that the information was updated an removed but a day later my act was closed because it was not fully removed pm paper ... please remove this ASAP
Consumer complaint received 2018-05-22
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am in the process of building a legal case for intentional, reckless, malicious and willful violations of the FCRA as well as defamation from TransUnion, A copy of this dispute will be used as evidence if needed. The following information is being reported inaccurately, falsely and unfairly by TransUnion. XXXX XXXX XXXX. This account is time-barred and needs to be removed from my credit file. On XX/XX/XXXX and XX/XX/XXXX, I  complained to the Consumer Financial Protection Bureau about the intentional and reckless actions of TransUnion with regards to this account. I provided them proof of the inaccurate credit reporting. In their response to this complaint, TransUnion stated that they would reinvestigate and respond to me within 30 days. They did not reinvestigate or respond back to me within the 30 day time frame according to the FCRA. Attached you will find copies of their response to the CFPB complaint. In addition, TransUnion did not provide the name of the person who responded to the CFPB complaint. There is no accountability. This is unacceptable. On XX/XX/XXXX, I once again wrote TransUnion directly and once again provided them with additional information proving the inaccuracies with the XXXX XXXX XXXX listing. Once again they did not reinvestigate or send me results of the dispute within the 30 day FCRA time frame. Attached you will find copies of the letter and the proof that TransUnion received the dispute. A copy of this complaint as well as past CFPB complaints on TransUnion is going to the FTC, XX/XX/XXXX Attorney General, XX/XX/XXXX Attorney General, XX/XX/XXXX and my legal counsel.
Consumer complaint received 2023-11-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AR)

I trust this message finds you well. I am writing to express my deep frustration and dissatisfaction with the ongoing challenges I am facing in removing inaccurate items from my credit file, despite numerous attempts to delete this issue. 

I have diligently reported and disputed inaccuracies on my credit file with 3 Credit Bureaus. Regrettably, despite my persistent efforts, these inaccurate entries persist, negatively affecting my creditworthiness and causing significant stress. 

I have submitted detailed disputes on the following dates. Each time, I provided supporting documentation and clarification to rectify the inaccuracies. However, to my dismay, the deletions have not been implemented, and the inaccuracies continue to tarnish my credit history. 

I understand the importance of accuracy in credit reporting and the need for a thorough investigation. However, the prolonged presence of these inaccuracies is both perplexing and damaging to my financial well-being. 

I urge you to escalate this matter and conduct a comprehensive review of the inaccuracies on my credit file. I have made consistent efforts to provide the necessary information for a thorough investigation, and I believe a prompt resolution is crucial. 

It is my expectation that Credit Bureaus takes immediate and effective action to correct these inaccuracies. I request clear communication regarding the steps being taken to address this issue and insist on receiving a specific timeline for the removal of the inaccurate items from my credit file. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX XXXX XXXX, AR XXXXXXXX XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXXXXXX XXXX XXXX XXXX XXXX  Balance XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX XXXX XXXX XXXX  {$0.00} XXXX XXXX Balance Owed XXXX {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference XXXX : XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXXXXXX XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-29
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: LEXISNEXIS (AL)

In a previous good will letter sent to lexisNexis I requested lawful permissible purpose documentation based off 15usc1681b in which circumstances a credit reporting agency may provide a consumer report and no other. Their response was " reported is accurate '' On XXXX LexisNexis received my request to provide lawful permissible purpose documentation again and also a request for a description of reinvestigation procedures based off 15usc1681i ( 7 ) in which they failed to respond or provide neither documentation to me to current date of XXXX well past the 15 day provision. 

On XXXX i sent a estoppel letter for their negligence in responding to my request for documentation and admission in silence of their inability to provide requested documentation
Consumer complaint received 2023-09-09
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. (OR)

Credit bureaus reporting inaccurate information on my credit report regarding closed accounts and balances. Acct name : XXXX. My account is paid/ never late and closed which is accurately being reported by XXXX. However, XXXX and Equifax reporting charged off and late.
Consumer complaint received 2023-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

This is my other request that 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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc (CO)

On XX/XX/year>, someone sent a text to me claiming to be chime. This individual then called me claiming my account was hacked. While he was explaining to me that my account was hacked, they proceeded to log into my account and pull my card information. 
By the time they were doing that they put the card on a XXXX XXXX under XXXX XXXX and sent XXXX transactions to him ranging from $ XXXX {$9.00} in the full amount {$990.00}. As soon as I noticed what was going on I hung up the phone and called chime to cancel the card. You can see by the documentation I have provided screenshots and a police report as well as an email from XXXX XXXX showing my card was connected to this persons XXXX XXXX without my approval. I have called MANY times, but chime team thinks it is a legit transaction which it isnt. I have filed a dispute about XXXX times with chime from XXXX to XXXX. I am taking additional action as I would like my money back.
Consumer complaint received 2023-10-15
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: PENTAGON FEDERAL CREDIT UNION (CT)

Laptop, cell phone, and wallet were stolen from a local college library. As a result, there are XXXX XXXX fraudulent charges on the credit cards in my walletat the time of this breach ( accounts and charges are outlined in this affi davit ). Additionally, credit card accounts have been hacked and the address changed to one I have no association with ( XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX ). Lastly, I reviewed my XXXX credit report and found thefraudulent address listed in addition to XXXX ' unauthorized inquiries ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ). As a result of the unauthorized activity, I locked and placed a fraud alert with each credit bureau on XX/XX/2023. 

In addition to the fraudulent charges amounting to {$10000.00}, this particular credit card was opened without my knowledge or authorization. The account that the fraudulent charges are related to is under a different name and demographic information and the merchant is a sports betting entity ( XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-15
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: U.S. BANCORP (WI)

A XXXX XXXX email was sent to me about my credit score changing. When I read the email, it also showed that a new credit card account had been opened in my name with US Bank on XX/XX/2023. I went to my credit reports and the card is listed as one of my accounts. I did not open this account and neither did my wife. The account is not listed on my wife 's credit reports so it was opened only in my name. The card has a {$10000.00} limit and a XXXX balance. My credit reports shows that payments were made in XXXX, XXXX and XXXX, XXXX. I contacted US Bank and made a complaint with the fraud department and they have put a stop on the card and are investigating. I was told that the card was sent to our address on XXXX XXXX in XXXX, IL, we have not lived at this address for 35 years. There was also a XXXX  account set up using my name but it is not a XXXX  account I have or have set up. US bank placed a fraud notification in my reports at each of the credit reporting agencies and also in my wife 's reports. I have also frozen my credit with each reporting agency.