davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-10
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, AZ XXXX Dear sir, Regarding the reviews written on XX/XX/XXXX of 2024 on CFPB complaints numbers XXXX and XXXX, I would like to request your company, XXXX XXXX, to ask the Bank of American branch XXXX XXXX XXXX XXXX XXXX, XXXX XXXX FL XXXX to send me the written format letters, which I can open the envelop and read the content. Your employee stated this branch must have sent me the information and investigation result ; however, since I could not find out this information in my online banking account. Since I have continued to have issues online and beyond, I have decided not to open any links which might be suspicious, such as irregular usage of images online sent to my email addresses with unfamiliar sender email address. Would you ask your related branch employee to send this information through official banking account? 
Even though you have mentioned three credit report companies, I have already contacted and still in disputes including with thy companyXXXX XXXX XXXX. 
Sincerely,
Consumer complaint received 2024-05-09
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. (NJ)

On XX/XX/XXXX, I submitted a dispute for XXXX x fraudulent charges of {$200.00} each which were made on XX/XX/XXXX. This was on my Citi Bank XXXX XXXX. 

The charges have showed up as " disputed amounts '' and " unsettled ' on every credit card statement since then, and since they are disputed, no payment was required. I never received any information on the investigation from the bank despite numerous calls to follow up on the progress. 

In XXXX of XXXX, over a year later, the charges on my statement switched from " unsettled '' to " settled '' in the cardholder 's favor. However, my credit card balance also changed from {$0.00} to {$400.00}. I was not made aware of this, and only discovered this when I was emailed in XXXX of XXXX that I was late on a payment. Please note this is a corporate credit card, so I hardly use it and was shocked I owed money on it. 

I called the bank to ask why the charges were settled in my favor yet are now showing up as " past due amounts ''. They stated that perhaps a credit was given in the past for the charges and they would look into it. I've looked through every statement since XXXX of XXXX and at no point was a credit added to my account. 

Now, I have an outstanding balance of {$400.00} since XXXX of XXXX, and an additional late payment charge of {$10.00} on my account. Every time I've called the bank, they tell me it will be resolved within the week but the issue still persists, and I'm worried it will impact my credit.
Consumer complaint received 2024-05-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

I do not own this account from capital one with a balance of {$290.00} opened in XX/XX/year> I have submitted to the credit bureaus and they have failed to remove from my credit file This is not my account I do not own this account nor am I an authorized user. Please remove
Consumer complaint received 2023-05-10
Product: Credit reporting, credit repair services, 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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I created a TransUnion account a few months ago. After filing dispute, I am no longer able to login as if my account doesn't exist. I have suffered adverse actions and now can not get a place to live due to TransUnion locking me out of my account along with reporting inaccurate and fraudulent information. A proper REINVESTIGATION has not happened.
Consumer complaint received 2024-05-09
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (ME)

I have a mortgage with the XXXX XXXX  company, During XX/XX/2024 I made XXXX mortgage payments to XXXX of {$2000.00} each. XXXX says they never received my payments. 
I got copies of the XXXX cashed checks from my bank that issued them. The checks were made payable to XXXX XXXX. The back of the cashed checks show they were cashed by the JP Morgan Chase company. 
I contacted the JP Morgan Chase company and they refused to track down the XXXX checks that were cashed with their signature on the back of each check. 
I think that the JP Morgan Case company is committing fraud by cashing my checks and not remitting the funds to the XXXX XXXX  company.
Consumer complaint received 2018-11-26
Product: Credit card or prepaid 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: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

I have had difficulties with the Bank of America claims department regarding two charges to my account from XXXX as follows : XX/XX/XXXX - {$91.00} XX/XX/XXXX - {$91.00} After initially disputing these charges, these were credited to my account on XX/XX/XXXX and XX/XX/XXXX. However, one of the {$91.00} charges was reversed back to my account on XX/XX/XXXX. 

I believe there was confusion on their part and they thought the two credits on XX/XX/XXXX and XX/XX/XXXX were duplicates. They were not - they were both credits to the two disputed charges of the same amount. 

I have spent considerable time both on the B of A website and on the phone trying to explain to them why this should not be a valid charge. After several months and numerous attempts, I have given up and canceled the card.
Consumer complaint received 2024-06-17
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. (AL)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : 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 2024-05-09
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. ()

We initiated a wire transfer on XXXX XX/XX/year> for USD XXXX to a not-for-profit charitable organisation in XXXX XXXX we have been supporting for over a decade. Over the years, we have initiated and completed many wire transfers to this charity. The money left our account on XXXX XX/XX/year> and as at today ( XXXX XX/XX/year> ), it has not reached the recipient 's account. On XXXX XX/XX/year>, we received a secure message via Chase Bank saying a correspondent bank in their chain has requested information regarding the nature or vocation of the ordering customer and the purpose of the transfer. We responded to this message with the information required on XXXX XX/XX/year>. Since then, we have sent XXXX requests via the same secure messaging service for information on our wire transfer funds as it has still not been received. In addition, we spoke to someone at the wire transfer department of Chase Bank on XXXX XX/XX/year>. We are yet to have an explanation as to where our funds are, why they have not been received by the recipient, and what Chase is doing to ensure the safe delivery ( or at this stage, return ) of our funds. Chase Bank has been unforthcoming and unhelpful, their only reply and refrain being that they are making enquiries with banks in their chain. As you can imagine, given almost 1.5 months have passed since the funds left our account, this is not longer an acceptable response. A simple XXXX search has made us aware this is not an unusual thing with Chase as there are numerous examples of other customers who have had a similar struggle. This is made especially difficult as we currently live in the XXXX XXXX and getting through to Chase on the phone due to their lack of any worthwhile response to secure messages has been costly and time consuming. 

Please contact us by email in relation to this matter. Thank you.
Consumer complaint received 2018-11-26
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)

I have been made aware of recent hard inquiries on my Equifax and XXXX credit reports that I believe to be fraudulent. 

Equifax : Hard inquiries dated XX/XX/XXXX for XXXX XXXX and XX/XX/XXXX for XXXX XXXX, XXXX XXXX. I have not attempted to open accounts with these companies and believe these attempts to be fraudulent. I have filed a report with Equifax and am awaiting the fraudulent inquiries to be stricken from my credit report. 

XXXX : Hard inquiries dated XX/XX/XXXX for XXXX and XX/XX/XXXX for XXXX. I have not attempted to open accounts with these companies and believe these attempts to be fraudulent. I attempted to file a report with XXXX, and am awaiting the fraudulent inquiries to be stricken from my credit report.
Consumer complaint received 2024-06-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Despite my repeated efforts to address the fraudulent, inaccurate, and misleading entries on my credit report, the issue remains unresolved. The presence of these erroneous items has caused me significant distress, XXXX, and hardship. I must reiterate that I am a victim of identity theft and did not authorize or consent to having this information associated with my name and credit file.
Consumer complaint received 2024-09-27
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Skrill USA, Inc. (CA)

I initiated a load of {$500.00} into my Skrill account, after which my account was immediately restricted. XXXX weeks later, they have closed my account and refuse to refund me the money I loaded in.
Consumer complaint received 2024-05-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CL Holdings LLC (CA)

I am a victim of identity theft. This said account isnt mine. 
I have no knowledge of this account. My identity was stolen in 2015 and Ive been having fraudulent activity happen ever since. 


So I hired an attorney to help in this process of removal.
Consumer complaint received 2024-03-25
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: Experian Information Solutions Inc. (GA)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2023-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

On my Equifax account under 10. Collections, it currently states " You do not have any collections in your file. However, when i go to 5. Other accounts, it lists under 5.1 ) XXXX XXXX XXXX XXXX with account status collection, XXXX XXXX XXXX XXXX XXXX account status collection, XXXX ) XXXX XXXX XXXX, XXXX ) XXXX XXXX XXXX account status collection, XXXX XXXX XXXX XXXX XXXX XXXX account status collection ( this account does not list an account number ), XXXX ) XXXX XXXX XXXX XXXX account status collection. 

All XXXX of these collection accounts are not only listed inaccurately under other accounts, one of the accounts does not even include an account number, nor do any of the accounts have the correct opening date or date of first delinquency.

According to my credit report, I do not have any collections as stated under section 10. Collections.

I also noticed under 2. Revolving Accounts, 2.XXXX ) XXXX XXXX XXXX  account status is charge_off with a reported balance of {$520.00}. A charge off can not be listed with a past due balance, XXXX XXXX XXXX XXXX account status Charge_off, the date of first delinquency is inaccurate, XXXX XXXX XXXX XXXX XXXX account status Charge_off, the date of elinquency is inaccurate, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  account status Charge-Off , the date of delinquency is inaccurate, the same applies to 2.21 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
These accounts are also listed inaccurately under revolving accounts. 

The FCRA clearly states that information in your credit report must be 100 % accurate or the inaccurate items have to be removed per federal law. 

I demand that the inaccurate accounts listed above be removed in their entirety from my credit report immediately.
Consumer complaint received 2024-05-09
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Chime Financial Inc (MI)

My tax return was supposed to be for {$2100.00}, when it hit my account I only received {$1900.00}. 
I had inquired as to where almost {$300.00} dollars had gone from my taxes. 
Also I had not used chime since 2022 so my debit card was expired and XXXX XXXX XXXX was lost I could only transfer money from my chime to XXXX XXXX and use the numbers chime provided me on XXXX XXXX XXXX until a new card arrived. 
XX/XX/XXXX I had gone to sleep with {$190.00} in my savings, XXXX XXXX had {$450.00} and my checking had {$40.00} in it. 
XX/XX/XXXX, while I was at work I had eaten XXXX and used the mobile app for {$12.00} the at lunch time I was going to pay my billls an seen that all my money was gone! 
My account was in the negative, I messaged chime, I put a dispute in, they denied me! I have emailed and complained called multiple times and no one has responded to what happened to my funds it was used on my card that I have not had {$190.00} was sent to XXXX XXXX at XXXX from savings then the XXXX XXXX card was used at XXXX XXXX for {$200.00}, there were XXXX {$200.00} dollar withdrawals and in my emails it says that another person has logged into my chime and changed my pin?! 
I hadnt noticed this until I realized my money was missing. Chime wanted me to prove I hadnt done it, the proof is in there own emails there was XXXX different logins in XXXX an my pin and card were both changed. Yet they denied my dispute. Also I had gone to XXXX XXXX to see if maybe they could help me out tracking my card numbers A man came in bought items then tried to return them for cash saying the card he bought them on was expired, yet they sent the money back to my card. I had already called chime before the return an asked them to send new cards. When I had called and did a dispute the person put all my transactions from XXXX XXXX on the dispute even XXXX from XXXX they didnt listen to anything I said and disputed XXXX items when it should have only been XXXX I tried again an they didnt except it either. I had done the XXXX payment and XXXX payment online I didnt have the physical card. Someone had to of had it to make withdrawals! 
I just received my new card today but its to late my moneys gone Im out over {$800.00} dollars. Yet they did nothing to help me. 
Please I beg you for help, I dont know what else to do. My names XXXX XXXX number is ( XXXX ) XXXX, email XXXX I thank you for your time a pray to hear from someone, God bless!! 

Sincerely ; XXXX XXXX
Consumer complaint received 2024-05-09
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: Chime Financial Inc (GA)

From XX/XX/XXXX to XX/XX/XXXX, I was incarcerated first in XXXX XXXX jail then in XXXX XXXX. During this time, someone used my Chime bank account and spent {$4200.00}, through XXXX separate transactions, from XXXX XXXX to XX/XX/XXXX. It has taken me nearly XXXX XXXX yrs just to gain access to my account again, XX/XX/XXXX. I immediately disputed all the charges made during the time I was incarcerated. For some reason, the charges were filed in XXXX separate disputes. The first one was denied in XXXX hours XXXX minutes. The second, exactly XXXX hours, and the third, exactly XXXX hours, all denied in less than 24hrs. I didnt even have a chance to get the documents they needed to prove I was incarcerated. I then filed rebuttals on all three on XX/XX/XXXX with Proof of Incarceration papers from the XXXX of Georgia. I have also filed a police report which I am waiting to be mailed, due to the fact that I live too far to pick it up. Even with ironclad, 100 % proof positive theres no way I could have made these transactions, the bank has denied the rebuttals. This time, at least, they took 6 days to investigate, or pretend to investigate. It isnt fair, it isnt right, and I believe the bank should face criminal charges for deception, fraud, and maybe even theft. I cant afford to just lose {$4200.00}, I dont anyone who can. When I regained access to my account, I fully expected my money to be in my account. At no time did I think it wouldnt be. I didnt authorize anyone to use my money, I didnt receive any of the money, and I have done everything I can to prove it. I feel that have proven beyond a shadow of doubt it wasnt me
Consumer complaint received 2024-05-09
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Kimball, Tirey & St. John LLP (CA)

I am XXXX XXXX. I am reaching out regarding an urgent matter involving Kimball Tirey & St John. According to them, there is a debt totaling {$14000.00} linked to my name. However, I am completely unaware of any such debt and strongly suspect it to be the result of fraudulent activity. 

It has come to my attention that there is a looming threat of wage garnishment due to this alleged debt. Therefore, I am appealing for immediate assistance in resolving this issue. I earnestly request that this matter be investigated and rectified as soon as possible to prevent any further complications. 

Thank you for your prompt attention to this matter. 

XXXX XXXX
Consumer complaint received 2023-10-06
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. (TN)

I appreciate your taking the time to DELETE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED immediately. 

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 2024-03-26
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: U.S. BANCORP (MI)

I had a previous complaint against this company US Bank and it was dismissed without being resolved. The company continues to call everyday. Now after my first complaint, they call, hold the line and then hang up. They call from a different number each time so I cant block them. This is harassment.
Consumer complaint received 2024-05-09
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: ROBINHOOD MARKETS INC. (CA)

This is regarding my Robinhood brokerage banking account. 

I was trying to close this account but Robinhood refused this request by placing a restriction on my account requesting documents about myself ( bank statement, ID, selfie ). I have submitted all of these information and they still refused to close my account. 

They also refused to transfer my available balance to my bank checking account. 

I don't think it is legal for them to hold all of my funds and refuse all of my requests to close the account. 

Please investigate and help resolve this. 

Thank you.
Consumer complaint received 2018-11-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

XXXX  XXXX I have disputed the educational loan XXXX  XXXX with the credit bureaus for several attempts, to no avail. The student loan should not be reported on a credit report since this is a government funded loans and only private accounts should be displayed on a credit report..Worst, the student loan account is reported multiple times which is illegal