davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-26
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Chime Financial Inc (FL)

I had my cell phone stolen while I was using it. Someone grabbed it from me and ran one to make a transfer out of my Chime checking account for {$2500.00} and an apple payment out of chime checking account for {$170.00}. I am mediately notified time when I got home within a few hours to check online to see what had transpired and notified them while the transactions were pending that they were fraudulent they assured me they would not go through but the next day both charges went through. I have filed a dispute and its been denied. I am on the six rebuttal and they have not provided any temporary credit and continue to investigate, the reason for denying the claim is they are unable to verify that it is an unauthorized transaction. I have given them an affidavit by myself of the series of events. I have given them my XXXX XXXX XXXX  phone claim information, the police report, and the FTC identity theft report I filed and they have been less than helpful through this matter which occurred on XX/XX/2023. I understand regulation E and I dont see how they are anywhere near being compliant and i request your help with this matter.
Consumer complaint received 2024-05-28
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: TRUIST FINANCIAL CORPORATION (NC)

On XX/XX/XXXX, I attempted to use my credit card for an in-store purchase and the purchase was declined. I contacted Truist and was on a call ( while in the store ) for over an hour attempting to resolve this matter. During the call, I provided Truist with all of the requested verifications. I was told that a fraud alert was placed on my account for the purchase and that I should " just use a different card for my attempted transaction ''. I later received a letter from Truist, requesting that I call them ( again ) to resolve the suspected fraud. I complied, and again, provided all of the verifications, and confirmed that there is no fraud on my account activity at this time. After being given the run-around again, I was told to call a different Truist phone number. I called the different number, and was told that I need to come inside of a Truist branch location and bring 2 forms of identification. I would like to know the reason for this, as I have repeatedly confirmed my identity over the phone, in the same manner that I was able to open the credit card account. I was never required to appear in person to open the account, and it is unclear why I need to appear in person to remove a " suspected fraud block '', that I have repeatedly identified as being a legitimate attempt to use my Truist charge account. I suspect that there is something discriminatory involved with this request. As it would be simple, fair, and much better customer service, for Truist to issue a new card if Truist bank still wanted my business, and suspects something is wrong on my account.
Consumer complaint received 2024-01-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: GOLDMAN SACHS BANK USA (KY)

I noticed that my ApplePay was blocked. I do not use this for transactions and wanted more information. It shows a transaction for Apple XXXX in XX/XX/XXXX which is did not authorize. I have never used Apple XXXX to download anything. Called ApplePay several times. Attempts were fruitless. I was told to contact Goldman Sachs bank. I explained and disputed the charge. Young female agent said she could not remove or refund because it did NOT meet the requirements. I repeatedly asked for explanation and what the requirements were. Girl agent after many delays said she could not release the formation to me. I contacted Apple again. Finally a helpful young man explained it was indeed an Apple XXXX charge in XX/XX/XXXX ( which I did NOT authorize ). He told me the app was preloaded on my XXXX. When I found the XXXX app is says welcome as of never used. I took screenshot. I have never used Apple XXXX and did not authorize the transaction. Neither Apple nor Goldman Sachs will remove the fraudulent charge or give me a reason why they will not. I have spent several HOURS trying to get this charge removed. They refuse. If I had inadvertently used the service, I would find a way to pay the charge. As I said, I did not authorize the transaction nor download any music I have sent the information to XXXX XXXX XXXX and our Ky XXXX of XXXX. I did not authorize this transaction ; my phone will prove I have never used Apple XXXX. This is theft/fraud and I can not get any resolution. My Apple account is XXXX. My phone number is XXXX. This is fraudulent and wrong. They are ruining my credit for {$12.00}. Please help.
Consumer complaint received 2023-05-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (IL)

I made a payment of {$29.00} to my Citibank credit card on XX/XX/23 from my bank account. Checked my bank account and there was over {$300.00} in my account. There was no pending charge on my bank account and no return check fee on my Citibank account either. XX/XX/23 I made another payment of {$75.00} and it posted XX/XX/23. there was approximately {$85.00} plus available on my Citibank account. I had a pre-authorized bill pay process on XX/XX/23, XXXX XXXX purchase on XX/XX/23. If there was a returned check in the past, Citibank has locked my card/available balance until the initial payment has cleared in the past. On XX/XX/23 there is now a posted {$41.00} return check fee for the {$29.00} payment from XX/XX/23. I called customer service and they stated that my bank returned the payment that's why they charged the return check fee. My bank statement shows the funds were there from XX/XX/23 through XX/XX/23 and I checked my account daily since XX/XX/23 and never saw a pending payment from Citibank. The representative was rude and combative and could not provide proof that my bank returned the payment. I called my bank and there is no record of the transaction.
Consumer complaint received 2023-05-13
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. (GA)

Ive been trying to dispute several accounts on my report but my dispute has been ignored. I am requesting that you look into this matter as required to do so under the FCRA. If you do not comply with the terms of the FCRA I will have no choice but consider the possibility of litigation. 
XXXX XXXX XXXX XXXX XXXX  : {$4200.00}, XXXX  XXXX XXXX XXXX  : {$29000.00}
Consumer complaint received 2024-05-28
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL (PA)

Care Credit Mastercard offered XXXX bonus points if {$250.00} of purchases were made between the dates of XX/XX/year> to XXXX/XXXXXXXX. I made XXXX purchases during that period ( see attached file for a copy of the offer and the list of purchases ). Prior to the end of the promotional period ending, I called Care Credit to verify that I met the requirements and was told that I did meet the {$250.00} worth of purchases. I never received the points so I called and was told to give it a few billing cycles to receive the points. I waited for the time period and still didn't receive the points so I called them back. A case was opened for the inquiry. The case number is XXXX. I just spoke to someone concerning this and was told that one of the purchases ( XX/XX/year> ) was not eligible because it was a Mastercard purchase. The Care Credit card is a Mastercard and the promotion mentions that to receive the offer you need to use the Care Credit Mastercard, which I did. I made a total of {$280.00} purchases using the credit card which is more than the required {$250.00}. They told me nothing could be done. I double checked today and made sure that they knew that I would be contacting the CFPB if they are unable to assist to resolve this issue. They verified that they couldn't do anything.
Consumer complaint received 2024-05-24
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: TD BANK US HOLDING COMPANY (ME)

On or around the XXXX XXXX  XXXX I tried to open a checking account for XXXX XXXX at TD Bank in XXXX, Maine for a business. It's called XXXX XXXX XXXX, XXXX. 
I provided all information required and a check from the State of Maine for around {$5300.00} more or less. 

After that. Nothing. 
The bank manager said that the social security number I provided was " wrong '' and that I would not be able to access the money inside the newly created account. 

The check cleared however and almost month later, yesterday the XXXX XXXX  XXXX, a statement was received that the funds were available at the bank. 

When I went there, they again told me that I was not being allowed access to the funds. 

At this point I threw up my hands and told her to close out the account and give me a check for the money they have from the State of Maine. She then denied having them and when I told her about the statement she said it must be wrong. 

How do I get my money back and how do I " un-cancel '' my Social Security number? 
Am I being de-banked ''? Is debanking lawful? How can I prevent this from occurring in the future?
Consumer complaint received 2023-09-02
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: T.S. Holdings (CA)

I rented an apartment from the XXXX XXXX I had a XXXX XXXX and XXXX XXXX happen which allowed me to break my lease and leave for my safety. They kept my whole security deposit and is still trying to charge me over XXXX $
Consumer complaint received 2023-10-03
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. (NC)

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 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 2024-05-23
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: SANTANDER HOLDINGS USA, INC. (NY)

I applied for a personal loan with Santander Bank. My application was a joint application with my wife XXXX.The loan was approved -- I used the proceeds to pay off another loan. I set up automatic on-line payments -- and made more than the minimum required payments.

I then later attempted to satisfy this Santander loan with the proceeds of a Heloc loan with another lender. I hand-delivered the payoff check to a Santander Bank branch in XXXX, NY. 
The clerk at the local branch refused to accept the payoff check. When I questioned him as to the reason for this he said the account was NOT in my name. I pointed out that the check was made payable to Santander Bank and the account I was paying off was a joint account with my wife. He said he could not disclose whose name the account was in! I guessed my wife 's name and he confirmed this. He said only my wife could present this payoff check!! She was not with me and I drove about an hour to this branch from my home -- it was the nearest branch -- beside ATM 's the the bank has on XXXX XXXX. 
The same day I called the bank and after several long waits, after being switched several times, I could not get an explanation as to why the check was not accepted and -- just as importantly -- why this account was in my wifesname alone!! I was told tomail the check in and I was given a very precise address to send the check. I did this the next day, followed up several times both on-line and on the phone. The check has still not been applied to the account after two weeks, the bank has no record of my numerous calls and complaints, there has been no explanation of how any why my name was excluded from this account, and there is no reasonable explanation from the bank for any of these issues. As of today, XXXX XXXX the account has still not been paid off.
Consumer complaint received 2023-04-26
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)

When I reviewed my credit report, I discovered that some of the information was erroneous. The TransUnion credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The items need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Date Opened XXXX XXXX, XXXX Balance : {$290000.00}, XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance {$480000.00}
Consumer complaint received 2023-04-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Nelnet, Inc. (KY)

All my student loans have been paid off. There is outdated information on all 3 credit reports. There is false information, I need all addresses and old phone numbers removed. All the inquires need to be removed. I am protected under title 15 U.S. codes 1601,1602, 1681n,1681o Done in good faith all rights reserved without prejudice I also am asking to be compensated for my time and the injury, loss and harm caused to my good name and credit. 
By : XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-13
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: CITIBANK, N.A. (NY)

XXXX XXXX XXXX - XXXX of XXXX XXXX charged my credit card for XXXX XXXX XXXX I didn't order it nor did I get it. My husband ( XXXX XXXX XXXX ) had dealt with this company in the past. 
Since we did not get anything I did not check my Citi credit card. In XXXX of XXXX my credit score dropped. I immediately checked for a reason and found the Citi Credit reported I didn't pay my XX/XX/XXXX statement. 
I called Citi Card they said OK. My husband contacted XXXX XXXX resolve this issue. XXXX customer service sent my husband XXXX an email and confirmed the refund will ( confirmation # XXXX ) go to Citi Card. XXXX stated it could take up 3 days. 
Citi Card ( diamond preferred ). Citi said they would credit the amount, 3 days to show as well. 
XXXX I get an email saying I owe my missed payment of {$110.00} to Card. This has gone on month after month with no resolution. Citi card claims XXXX said it was a valid charge. 
I called XXXX ( XX/XX/XXXX ) they say they refunded the charge on XX/XX/XXXX and gave me an ID # for the refund # XXXX at XXXX on XX/XX/XXXX. 
Still getting emails and now phone calls from collections.
Consumer complaint received 2024-05-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

I had received letters in mail from some collection agency in the past couple of years that I thought were fraudulent and did not respond to except for the last one a few months ago. I tried to call the number on the letter and got a different company. Seems like it was an energy company and not the company on the letter. I have never requested a personal loan from XXXX XXXX XXXX for {$300.00} or any other amount and decided it was a scam trying to get me to pay to get rid of them. I don't have any debt and pay my credit cards off monthly. 
Recently, XXXX XXXX XXXX put a negative comment in my credit report that I did not pay this debt, which was {$910.00} with fees and interest. It dropped my credit rating from the lower XXXX range to upper XXXX range. I assume they bought the debt or somehow ended up as a collector for XXXX XXXX. Bounce AI was contacted on XXXX and XXXX and told I was disputing the debt. They said they would put it in dispute and send information to my email address within XXXX hours but it was not received as of today ( I checked XXXX also ). 
I contacted Experian today to start a dispute and they had me start a fraud dispute with XXXX which directed me to you.
Consumer complaint received 2024-04-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (WI)

I have said over the last couple of years signature documents social security number or anything showing that anything that's on my credit report belongs to me have not sent anything back or resolve the problem so I request for immediately removal of child support student loans many hard inquiries and clothes accounts
Consumer complaint received 2023-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NC)

I appreciate your quick action and effectiveness in updating some of the negative accounts that were previously listed on my credit report. For now, I believe there are still issues with my file that need to be corrected. I thus ask that all of the false information attached and listed in my credit file be corrected right now. 
XXXX XXXX XXXX Balance : {$470.00}, XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX Balance : {$1900.00}, XXXX XXXX Balance : {$3900.00}, XXXX XXXX Balance : {$5200.00}, XXXX XXXX Balance : {$3900.00}, XXXX XXXXBalance : {$300.00}, XXXX XXXXXXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$0.00}, XXXXXXXX XXXX XXXXXXXX Balance : {$0.00}
Consumer complaint received 2023-12-28
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: ROBINHOOD MARKETS INC. (MO)

My card was charged fraudulently by a company on XX/XX/2022 for XXXX from XXXX. Ronbinhood failed to rectify the fraudulent charges and did not send the documents related to their decision.
Consumer complaint received 2024-05-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A. (MN)

RE : Statute of Limitations in Minnesota Good day, I hope you are well and I appreciate your timely response. 

Today, XX/XX/XXXX, I got a call from XXXX XXXX with a litigation threat XXXX on my home if I do not pay up a debt occurred in 2004 and was given XXXX hours to respond or I will be forced to XXXX XXXX. 

My wife was worried and I called the number back to clarify what that debt was and requested for information but received zero documentation. I was told it's with Citibank so I called Citibank and Citi bank advised that I have no outstanding debt with all accounts closed appropriately ever since. I called XXXX XXXX to report that it's a mistake and I have no existing debt with a XXXX score of XXXX as I actively check my credit scores. 

The officer at XXXX XXXX stated that if I dispute then I will have to bear XXXX the costs to be in court and I felt threatened as I have never in my life been in court or failed any payments. 

I reluctantly paid the costs as we were afraid about the lien threat on our home and I am truly afraid of any escalations. I checked again with Citibank and again they confirmed that I have no recorded debts and was asked to share the docusign for their reference. 

Did I make a mistake? I did not get proof of what the payment was and felt scammed. 

Please advise what I should do and I'm afraid that such threats may arise again. 

Thank you for your time and support. 

Kind regards, XXXX XXXX
Consumer complaint received 2024-05-08
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: SN SERVICING CORPORATION (TN)

Sent recent XXXX request to servicer for mortgage assistance my bills are less, and my financial circumstances have changed. My servicer received XXXX XXXX XXXX XXXX  from Tennessee state government XXXX 2024 to reinstate my mortgage, XXXX months of mortgage payments too. I feel I am being discriminated against because of being a XXXX woman on XXXX. My bankruptcy has been dismissed giving me additional income. They are not reviewing my request
Consumer complaint received 2023-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

On XX/XX/XXXX I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX  OPM data breach as well as XXXX XXXX XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX CA XXXX XXXX XXXX XXXX AV XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$9800.00} XXXX XXXX XXXX Balance : {$870.00} XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-03-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Aldous & Associates, PLLC (TX)

There is a debt from this company that does not belong to me. I sent a letter to the company letting them know it did not belong to me but I haven't heard anything back. I have never signed my name to anything for either of these companies. 
XXXX XXXXXXXX ALDOUS R ASSOCIATES PLLC XXXX XXXX XX/XX/year>