davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-16
Product: Credit card or prepaid card — Store credit 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: CITIBANK, N.A. (CA)

I was charged for a {$1200.00} transaction on XX/XX/XXXX and Citibank/ bestbuy waited for a month and closed dispute with a wrong reason. 

Disputed transaction Date : XX/XX/2023 ; Disputed Amount : {$1200.00}. 

There is no record of this transaction on bestbuy.com for this amount on that date. Bestbuy customer service have told me that there is no record of this transaction. 

I believe this transaction is showing up because of some odd way bestbuy has been processing a refund of an old transaction. 

Related transaction date : XX/XX/2023 ; amount : {$1200.00} ; This was TV pickup order i made. I canceled transaction on XX/XX/XXXX without picking up tv and bestbuy refunded that amount. 

2nd related transaction date : XX/XX/2023 ; Amount : {$1100.00} ; I made a different transaction on XX/XX/2023 for {$1100.00} for same TV pickup and I picked up the tv. 

From my pov, {$1200.00} transaction on XX/XX/XXXX was canceled and refunded on XX/XX/XXXX. I made a separate transaction for tv pickup that i pickedup for which i was rightly charged {$1100.00}. 

Reason provided by credit card card company for closing dispute without refund : I pickedup the tv. 

Why i contest the reason : 1 ) I canceled that order completely 2 ) I pickedup TV by placing a completely new order and was charged for it 3 ) the old transaction shows up as canceled on bestbuy.com and bestbuy customer service also confirmed that it is completely canceled and i should not have been charged.

I dont understand two things. 
1 ) Why will a {$1200.00} transaction suddenly appear on XX/XX/XXXX on my credit card when it was refunded on XX/XX/XXXX XXXX ) How can a transaction amount appear on a different date on my credit card when my bestbuy.com account shows it as canceled and refunded and there is no record of this transaction 3 ) Why does bestbuy/ citi take more than one month on this dispute and resolve it without adequately investigating or explaining to me
Consumer complaint received 2024-02-04
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/2024 XXXX XXXX XXXX came to my business to get a service. He agreed and XXXX  {$200.00} to me. I provided the service for him. After that he called his bank to dispute. My BOA did a favor for him by refunded {$200.00} back to him without talking to me. He was scammed and fraud. I called my bank n talked with BOA digital fraud department, they said the transaction was completed, nothing they can do. I am a BOA loyal customer for XXXX yrs. They refunded my money back to him without talking to me, they treated me like no one. Thats totally wrong. Would you help me reopen the case n investigate. I am attachment zelle documents to you Thank you My name XXXX XXXX My email : XXXX My phone : XXXX My claim # XXXX
Consumer complaint received 2024-05-28
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. (CA)

Credit Bureaus refuse to investigate dispute for INACCURATE REPORTING on accounts listed in this complaint. 

In my case Furnishers are reporting differently to all three credit bureaus for the same account/tradeline, regarding the following categories. Date Opened, Balance, No. of Months ( term ), High Credit, Credit Limit, Past Due, Payment Status, Last Reported, Comments, Date of Last Active, Date of Last Payment and Two-Year History?

The Credit Bureaus then reports these errors, inaccuracies, and incompleteness on my credit report ( see proof credit report enclosed ). According to Fair Credit Reporting Act, 15 U.S.C. 1681 my credit report must be Accurate and Fair.
Consumer complaint received 2024-05-29
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 did not authorize anyone employed by these companies to make any inquiries or view my credit report. In addition, I did not permit Experian permission to furnish this incorrect information on my credit report. This violation of the Fair Credit Reporting Act Section 1681b ( c ) constitutes fraudulent activity and a serious breach of my privacy rights. Please remove the inquiries from my report. 

Inquires to be Removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-27
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. (NY)

I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.
Consumer complaint received 2024-01-03
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Oliver Adjustment Co. (WI)

On XX/XX/2023 Oliver ADJUSTMENT CO is reporting that I owe XXXX. This companys are reporting that I owe them those balances. I need the audit trial of the balance. Also I need them to provide me with the agreement that grants them to collect this allege debt. Also provide with the master bill of sale
Consumer complaint received 2024-02-04
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Chime Financial Inc (MA)

My son called on my behalf and informed Chime that the account in question was opened without my consent and we suspect fraudulent activity. They told my son he would need to have me provide proof of my identity to proceed, but I do not feel comfortable giving a tech company I never heard of, and claims NOT to be a bank, my personal information. Upon my refusal they said they could not assist with the closing of the account unless I provided proof of identity.
Consumer complaint received 2023-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (WV)

Comenity Bank has listed me as late on two of my credit cards that I have with them ( express credit card and ulta credit card ) even though I have never, not once, been late. Every time Ive made a payment it has been before the due date yet they have listed me as late multiple times and caused my credit score to go down. Comenity actually placed a hold on my express store card back in XXXX that was supposed to be lifted 15 days after I paid it off that is still on the account so I havent had access to my credit for almost four months.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

According to my research about FCRA 605, Credit Bureaus are required by law to remove any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-08-14
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. (NY)

" I obtained a copy of my consumer report and notified these agencies multiple times, specifically on XX/XX/year> and XX/XX/year>, about the items I disputed. Despite these notifications, the matter remains unresolved in a manner that is fair and equitable to me, the consumer, as required by the Fair Credit Reporting Act. I sent my notice to these agencies, which included a FTC Identity Theft Report, A FTC Affidavit and I also filed a complaint with the CFPB. Along with this letter, I have also included an Affidavit of Truth to further substantiate my claim.

I explained the violations your agency committed under the FCRA, while informing your agency of the fact that these items were reported without my expressed, written consent. This leads to way of identity theft, which leads to a violation of the civil liability section of the FCRA, as I informed you in the previous notices, which I have attached once more again for your record!

This is a FINAL NOTICE to give your agency an opportunity to correct this situation or I will be forced to protect my credit rating and file a lawsuit against your agency. I have proven to your agency on many occasions that these items are a violation of the FCRA and should in fact be DELETED but your agency continues to violate me so I dont know what else to do besides suing your agency at this point.

I have suffered emotional distress as a result of this matter and I demand this matter be resolved in a fair and equitable manner, which still hasnt been done "
Consumer complaint received 2024-06-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am writing to dispute the late payments listed on my credit report. Upon careful review of the information, there are inaccuracies that need to be addressed. Upon reviewing my credit report, I noticed discrepancies related to the reported late payments. I have always been committed to meeting my financial obligations promptly, and I believe there might be an error or misunderstanding in the reporting. Additionally, XXXX and XXXX credit bureaus have already updated their records for these accounts. Please update and correct the accounts below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ....
Consumer complaint received 2024-05-21
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)

Ensuring timely payments on this account has been a priority for me, ensuring they're never overdue. I'm unclear about the reasons behind the reports of late payment remarks on my accounts. As per 15 USC 1666b, billing errors should be corrected.
Consumer complaint received 2024-04-28
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)

The Following inquires Capital XXXX Auto XX/XX/2024, XXXX XXXX XXXX XX/XX/2024, XXXX XXXX XXXX XX/XX/2024, & XXXX XXXX Auto XX/XX/2024 are from an result of identity theft. I already filed my FTC report to report identity theft and mailed it in to the company and they failed to remove them from my report they should be removed immediately.
Consumer complaint received 2024-03-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BMO Bank, N.A. (AZ)

On Thursday XX/XX/2024 I made a mobile deposit from my personal XXXX XXXX  account to my personal BMO Harris bank account. I received an email from BMO verifying the deposit had been approved and processed same day at XXXX..stating it might take XXXX business days for funds to appear. No problem. On Monday XX/XX/2024 I went online BMO and it looked like the deposit was received but not credited. I called my local branch and they verified it would most likely finalize by end of day. That my pending auto drafts were ok to pay. At end of day I stopped to verify and was told there was a HOLD on the funds due to a FRAUD alert. The banker was unable to get an answer from the fraud dept as to why. Luckily for me, I was able to deposit the same amount in cash so my son 's mortgage and utility debits would indeed process. This is his account, he is a 100 % XXXX XXXX veteran. Today is the XXXX XXXX XXXX and I tried to reach the fraud dept to find out WHY they decided my account needed to be FROZEN, also my son 's debit card for essentials, they REFUSED to talk with me. The cusomer service rep said the Fraud dept had determined there was NO FRAUD, and it was a " standard hold ''. Neither my branch manager, or personal banker can lift the HOLD.THEY NEVER INFORMED ME OF A HOLD BY PHONE, EMAIL OR ONLINE ACCT MESSAGING. UNACCEPTABLE BANK PROCEEDURE. If I hadn't been able to come up with cash for a deposit, all my auto debits, XXXX so far including mortgage would have been returned. HOW CAN THEY HOLD/FREEZE WITHOUT INFORMING THE CUSTOMER? They received the good funds the same day of my mobile deposit XX/XX/2024. As of XX/XX/2024 they are unavailable to me.
Consumer complaint received 2024-04-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (DE)

According to consumer law 15 usc 1681b I did not give permission for these collections to report on my credit report I am a victim of identity theft and I want a cease and desist as well as any debt validation or any written and signed document that ties me to these erroneous accounts, if not I want these removed from my respected credit report as well as all inquiries I did not authorize
Consumer complaint received 2024-03-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SANTANDER HOLDINGS USA, INC. (FL)

Im aware that a charge off is considered a certificate of indebtedness which means it is income and therefore, eligible for removal from the records.. In light of this information and seeing as in multiple credit reporting agencies are reporting this under my account, I would like to kindly request assistance in reviewing this information due to the implications of a charge off under the Internal Revenue Services ( IRS ) IRS Article, a charge-off is considered a certificate of indebtedness, which means it is treated as income and, therefore, eligible for removal from the records. Im requesting an investigation based on my XXXX and XXXX credit report information showing a charged off debt from Santander Consumer USA reported on XXXX XXXX for the amount of {$23000.00}.
Consumer complaint received 2023-10-13
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Coconut Funding Corporation (WI)

I applied for a business cash advance on behalf of my company XXXX XXXX XXXX. I submitted all required documentation as well as allowed them access to verify my bank account. They sent me a ridiculous offer with outrageous fees and I declined. They then came back with reduced ridiculous fees but demanded that I provide them with my log in credentials to my financial institution which I declined so they proceeded to withdraw their offer for funding. The following day they attempted to take their processing fees of {$950.00} out of my business bank account via XXXX which I did not authorize so I put a stop payment on it. The company then proceeded to file a lawsuit against me in the state of Oregon which I do not conduct business in and is impossible for me to attend any proceedings stating that I was in breach of contract by refusing to pay their processing fees and were now fining me {$10000.00}. They have submitted an information subpoena and restraining notice to all of my financial institutions freezing all of my accounts and assets and have even submitted the same documentation to XXXX claiming that another business that is owned by me is included in that law suit when it is not. The only business listed on the application to that lender is XXXX XXXX XXXX. They have frozen accounts belonging to XXXX XXXX XXXX and XXXX XXXX XXXX. This has been described to me by other financial institutions as predatory and fraudulent lending practices. Because they have frozen my assets I am not in a position to pursue them legally.
Consumer complaint received 2024-02-16
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem accessing account
Company: CIBC BANCORP USA INC. (CT)

First, I opened a certificate of deposit with CIBC US on XX/XX/24. I got a confirmation email mentioning that my account will start accruing interest once it is funded on XX/XX/24. I just got my monthly statement showing that it is indeed funded, however, there is XXXX interest on it. Seems like a breach of contract to me and I would like to learn why my deposit didnt accrue interest. 
Next, I was not provided an account number at the time of sign-up and subsequently, I was unable to open an online banking profile to access my funds. Additionally the customer service department is unreachable, since I called multiple times, often waiting for 1-2 hours in the hope of reaching somebody. But I was never able to get to a representative ever. So essentially my money is locked with CIBC and I have no way of accessing it, and that is quite troubling. I would like CIBC to address these by letting me access my funds, looking into why my account isnt accusing interest, and if they cant manage my funds then I would like to take my money out.
Consumer complaint received 2024-03-27
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: OneMain Finance Corporation (TX)

This request to either amend a specific account currently showing on my personal credit history, may all also request that the account be deleted permanently based upon either legal timeline requirements, or that the account has no legal basis on my credit report to begin with. My request is based upon the following criteria : The FDIC ( XXXX XXXX XXXX XXXX ) set several guidelines during the national pandemic, whereas if financial accounts, be they secured or unsecured, could have been given several months of deferment. While I was not able to work full time during the pandemic, I was never offered a deferment on this specific account. Accordingly, I request that this account either be amended with the deletion of all payment histories, or deleted completely as a professional courtesy. 

Since the legal timeline is almost in play, please delete the account permanently.
Consumer complaint received 2024-02-23
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: WELLS FARGO & COMPANY (NC)

I received a equity loan from this bank and the other name banks prior to Well Fargo. The Equity loan was approved in XXXX and the amount was {$37000.00} but recently I attempted to use it based on the statements I have always received and was told it was reduced to {$33000.00}. because of collection action or unfavorable actions not actually with Wells Fargo. I have never been late nor missed a payment on my mortgage which is now paid in full nor my equity line which is to be paid by XXXX. Even if a letter was sent the statement has always remained {$37000.00} and did not indicate this restriction. I think Wells Fargo should honor the statement amount of {$37000.00}
Consumer complaint received 2024-04-27
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. (TX)

Credit XXXX bank {$950.00} claims I owe. In accordance to fair credit reporting act this creditor has violated my rights under 15 USC 1681 602 states I have a right to privacy. 15 USC 1681 604a 2 a consumer reporting agency can not furnish an account without my written consent. 15 USC 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2024-03-28
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE (NY)

Account ending in XXXX XXXX XXXX XXXX writing this letter to help in this investigation to resolve asap. 
Barclay sent me New card without me knowing it and I continued using OLD one which was in my possession. 
On XX/XX/2024 on my lunch break I went to supermarket ( XXXX ) and made few purchases worth {$35.00} for my lunch on my old card in XXXX XXXX, NY. 
I came back to my office around XXXX started eating my lunch and received email ( attaching copy ) that my pin was changed. I never used cash advances on any of my credit cards, I IMMEADEATLY called to report and we blocked card and noticed within minutes that card already was used in XXXX XXXX XXXX for {$2500.00}! 
XXXX XXXX XXXX its more than XXXX miles away and with heavy traffic that usually happens at this hour it take good hour to drive.Obviouisly we started investigation and dispute, hovewer I received a letter that investigation is complete and iam responsible for this fraudulent transaction! 
Fraud dept.specialist/investigator DID NOT Bother to call me to help investigate or XXXX where fraud took place. 
I had to reopen case today and went to XXXX XXXX XXXX myself and found out that money were taken out from teller and I became identity theft victim.Manager of that branch told me to go to detective squad and file the report which I did.Its identity theft as well as Grand Larceny. 
Detective will subpoena XXXX XXXX  for video to catch that criminal. 
Pleas return my {$2500.00} as I DID NOT have that card in my possession and NEVER took any cash advances from any credit cards. 
Barclay has to have more security, any credit card that I owe, I activate them via my cell phone or web portal! HOW DID THAT CARD WAS ACTIVATED? I NEVER RECEIVED THAT CARD, NEVER ACTIVATED AND DID NOT HAVE IN MY POSSESIONS AS YOU ACCUSING ME.I am sure Detectives will make it clear.

Please call me anytime if I can assist more to resolve this case and bring those criminals to Justice. 
Detectives will subpoena Chase following week.Detective XXXX XXXX was assigned to this case XXXX XXXX XXXX from XXXX XXXX if you have question to him his # ( XXXX ) XXXX PLEASE RETURN MY MONEY AS THIS CARD WAS NOT IN MY POSSESIONS! 
XXXX XXXX XXXX ( XXXX ) XXXX