davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-20
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. (TN)

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXXXXXX XXXX MI XXXX XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2021 Delete this account. 
XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/2021 Delete this account. 
XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/2021 Delete this account. 
XXXX. The inquiry was not authorized XXXX OF XXXX Date of inquiry : XX/XX/2021 Delete this account. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2021 Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, MI XXXX
Consumer complaint received 2024-05-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: U.S. BANCORP (AZ)

after seeing that I was charged 9 monthly maintenance fees of {$6.00} and they were not reversed as usual by the system I called us bank on XX/XX/XXXX to inquire as to why I had been getting charged a monthly fee, it used to be reversed after it gets charged every month automatically by the system, I was informed by XXXX XXXX that it was a minimum balance issue, she spoke with the branch manager XXXX and they immediately offered to reverse 3 out of the 9 months they charged and switch my account to a smart checking to avoid fees. 

I asked XXXX XXXX to have the banker that opened my CD in XXXX of XXXX named XXXX XXXX, he called me back and I asked for his help in resolving this issue since based on my banking experience and all the other banks I deal with use the method of total balance in all accounts when they determine the average daily balance I assumed I was of as far as the min ball requirement, I also said to XXXX XXXX that I asked him about that at the time he opened my CD where he moved {$5000.00} from my checking to open the new CD, I strongly feel out of professional courtesy and basic customer service etiquette that if this was not the case with US bank he should have informed me of it, he replied : '' its not my job to talk about your other account, its my job to talk about the account am opening, and we can not reverse more than 3 months just like credit card fraud incidents where you only have 3, months to report the fraudulent transaction ''. 

so I asked him to ask the branch manager named XXXX to call me and he said he will have her call me and am yet to receive a call from her. 

I agree with XXXX XXXX on one thing, this incident is true fraud, and the customer service is none existent in addition to the fact that XXXX never called at the least to say she can not reverse any fees she just choose to ignore a customer request, the fact that US bank is doing this makes me rethink keeping any of my money with them. 

the branch I called is the branch I opened my CD in and all the above named employees are at the same branch at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS (VA)

I have been trying to lift my security freeze on my report for months. I do not have my current freeze PIN it seems, so I have requested a new PIN via their website multiple times, but they refuse to send a new PIN so that I can unfreeze my report. 
I have requested a new PIN in XX/XX/2024, andXX/XX/2024 with no success. I have submitted my identity documents each time and they still are unable to provide me with a new PIN or any way to unfreeze my credit report. I have disputed this and wrote messages to them so that I can accurately unfreeze my account, but they haven't responded to anything.
Consumer complaint received 2024-05-17
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Credit Karma (OK)

Credit Karma was shown as an option to deposit my tax return on XXXX XXXX. At no time was it made clear that the funds deposited would have limits and huge service fees to access them. I've spent hours on the phone with them to find a resolution but they are not willing to change the limits available. 

I now have over {$10000.00} dollars that I can only access at {$1000.00} dollars a day with a monthly limit of {$5000.00} and each {$1000.00} dollar transaction is assessed a {$17.00} service fee. 

This company is a SCAM. Both XXXX XXXX and Credit Karma are profiting off of customers via misleading and incomplete information.
Consumer complaint received 2024-05-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (NV)

I am writing to formally report a concerning incident that took place during a phone call with Chime Bank, which involved inappropriate conduct by two employees and a highly unethical suggestion of committing check fraud. 

On XX/XX/XXXX at XXXX XXXX, I called the customer service line. During this call, I encountered two employees whose behavior was not only rude but also highly unprofessional. 

The details of the incident are as follows : Rude Conduct by Employee " XXXX '' : The first employee I spoke with identified himself as " XXXX ''. When I expressed that he was being very rude and asked to speak with someone else, he yelled at me and refused my request, stating, " You can hang up and call back but I am not connecting you to someone else. '' When I asked for his full name and how to spell it, he sarcastically responded, " XXXX, you never heard of the letter XXXX before? '' Dismissive Behavior and Suggestion of Check Fraud by XXXX XXXX : Due to the unprofessional conduct of " XXXX '' and being hung up on. I was connected with XXXX. I explained my situation, stating that I was not informed it would take my check five business days to clear and requested that they cancel the deposit or release my funds. XXXX responded dismissively and suggested that I " take my checks and deposit them at another bank while I wait. '' Shocked by this suggestion, I asked if he was telling me to commit check fraud, to which he paused and said, " I don't think so. '' Due to the rudeness and illegal suggestion, I started laughing in disbelief, to which XXXX angrily asked, " Why are you laughing? '' I explained that I was shocked he told me to do something illegal. He then snapped, " You can either wait XXXX business days or you can deposit the money at another bank while you wait, but we wont be cancelling your check or giving you the money today. '' I am a long-standing customer of Chime bank, and I expect to be treated with respect and integrity. The behavior I experienced is entirely unacceptable and undermines my trust in their institution. 

I request the following actions be taken : A thorough investigation into the incident and identification of the employees involved. 
Appropriate disciplinary action against the employees for their conduct. 
Assurance that such incidents will not occur in the future, along with measures to prevent similar occurrences. 
A formal apology from the bank for the distress and inconvenience caused by this incident. 
Please acknowledge receipt of this complaint and inform me of the steps that will be taken to address this matter. I look forward to your prompt response and resolution. 

Thank you for your attention to this serious issue. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-05-18
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (TX)

My bank account was closed by Citi Bank I tried for XXXX to get the money that was still in the account that was from my last paycheck from my old job which I've still yet to receive they claimed multiple times to have mailed a check but I never got anything. When I was on vacation in XXXX XXXX at XXXX XXXX I visited a branch of theirs and provided all information and the bank still refused to give me my money it's been over XXXX and now they have completely stopped communicating with me and refusing to give me my money
Consumer complaint received 2024-05-18
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TD BANK US HOLDING COMPANY (CT)

I had a credit card with TD bank account was closed I paid for deleting n it never got delete on my credit report account was opened XX/XX/XXXX and was closed XX/XX/XXXXXXXX XXXX
Consumer complaint received 2023-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Westlake Services, LLC (AL)

AMERICAN CAR CENTER DBA RAC DEALERSHIP/AMERICAN FINANCIAL was a very dishonest company and legally scammed thousands of customers. After three rounds of disputes I was able to have the account deleted from my profile with supporting evidence. 

OnXX/XX/XXXX customers learned via XXXX from fired employees that our signatures were forged. Additionally that current/delinquent customers were being sent to collections. American Financial, did not reach out until XXXX via text message only ; no formal documentation. The company also violated XXXX of the contract which states any changes in this lease must be in writing and signed by you and XXXX. 

I originally got this leased vehicle with AMERICAN CAR CENTER XXXX XXXX XXXXAMERICAN FINANCIAL on XXXX On XX/XX/XXXX they sent me a letter stating they apologize they werent able to finance me and provide me with a vehicle. 
Furthermore the manager went from telling me my down payment was {$750.00} to changing it at signing to {$1200.00} instead. At the time I was in a desperate situation and needed transportation for my children and I. From the start Ive had nothing but issues with this company dishonesty. 

When customers learned the news we were guided via dmv & news outlet to make a complaint with AL Attorney General, which I did and seeked legal advice. 

On XX/XX/XXXX I successfully had AMERICAN CAR CENTER XXXX XXXX XXXX/AMERICAN FINANCIAL account removed from my credit report. 

On XXXX the XXXX XXXX XXXX was repossessed from my location ; I have no knowledge of its whereabouts. As of XX/XX/XXXX in the midst of me attempting to finance a vehicle I am unable to and learn of a 90 DAY DELINQUENT ACCOUNT BEING REPORTED BY WESTLAKE PORTFOLIO MANAGEMENT FOR A {$33000.00} BALANCE, REPORTING PAST DUE 90 DAYS FOR {$1600.00}. THE ACCOUNT IS REPORTING AS OPENED XX/XX/XXXX. 

I HAVE NOT SIGNED A CONTRACT WITH WESTLAKE PORTFOLIO MANAGEMENT. 

At the time of learning what this scandalous company did to current customers as myself through terminated employees via XXXX, it was rumored the company was filing bankruptcy. 

I had this account DELETED FROM MY CREDIT REPORT ON XXXX 

Westlake portfolio management, I am requesting that you IMMEDIATELY DELETE this erroneous account from my credit profile. Your company has violated many FDCRA REGULATIONS AND CONSUMER RIGHTS, starting with harassment of phone calls and calling at XXXX!!!!! 

I look forward to your cooperation of the guidelines set forth under the FDCPA and FCRA. Furthermore, I request that you cease & desist reporting of these alleged debts and delete this erroneous account and all unauthorized personal information in your database.
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: EQUIFAX, INC. (NJ)

PLEASE BLOCKED AND REMOVED I insist on the removal of these erroneous accounts from my credit report, as I never authorized their inclusion. It is vital that you expeditiously erase this misleading information from my records.
Consumer complaint received 2024-05-18
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Shellpoint Partners, LLC (NY)

I can no longer defend myself against XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX [ fax ] XXXX In court or prevent the foreclosure of my home, XXXX XXXX XXXX, XXXX, MA, XXXX. 

Index XXXX. 

I was not given the opportunity to present my case in front of XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX New York XXXX ( XXXX ) XXXX Fax ( XXXX ) XXXX XXXX  As XXXX XXXX XXXXXXXX, XXXX Made misstatements about my downpayment on the home under oath and failed to advise the court of their clients violation of automatic orders and contempt, when he stopped paying his mortgage.
Consumer complaint received 2024-05-18
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAINE & WEINER COMPANY, INC. (NJ)

I received a bill in the mail from this company about an insurance bill they said I owed but, I dont have a outstanding bill with XXXX XXXX XXXX I sked them to verify the debt but they have not and this is being reported on my credit report. Please have this removed immediately.
Consumer complaint received 2024-05-18
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: Credit Karma (TX)

On XX/XX/XXXX, I received a notification that my Credit Karma Save account had been frozen. This account was open for a decent period of time and has been receiving automatic distributions to it from my employer. I got on a chat to see why it was frozen and the agent told me they could not tell me via chat but that it was under investigation and that I could also call. I went on with my day but upon further research I began to see horror stories of credit Karma doing this to others, freezing their account and refusing to justify the reason or release any funds. 

I decided to call XXXX XXXX who is their partner bank and XXXX  would not release any information to me despite my money sitting frozen in one of their accounts. They referred me to credit Karma. 

I called credit Karma on XX/XX/XXXX to see a resolution. The call agent could not help so I requested a manager. Upon talking to the supervisor they refused to transfer me to the investigation department nor would he give me a timeframe in which I would be notified. Some of the stories I read have been waiting months with no resolution. I explain this and he hangs up on me. 

I call back and speak with " XXXX '' whom can not provide any name or ID number to identify themselves. They give the same answer as above but this time will not transfer me to a supervisor stating that they are busy, I say that I will wait so she tries again and then proceeds to tell me that they left for the day. I tell her she is lying to which she apologizes and tries again. Refusual again. This cycle continues with 0 information for multiple other calls. They say they will add a note to my file but can not actually give me proof or provide any ticket numbers or anything. 

Needless to say I have XXXX of dollars now tied up with credit karma and XXXX XXXX  that they will not release nor give a reason as to why they are holding it. I was saving it for a vacation to XXXX in less than 2 weeks and I now can not pay for it. Totally INSANE.
Consumer complaint received 2023-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MN)

The following credit card accounts currently listed on my XXXX and Equifax credit report was opened by the following banks without my consent or authorization : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-17
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: Lockhart, Morris & Montgomery Inc. (MO)

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and Missouri Laws Dear LOCKHART, MORRIS & MONT, I am writing to address a serious violation regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), alongside Missouri identity theft fraud laws, specifically Missouri Revised Statutes Section 570.223. 

It has unequivocally come to my attention that LOCKHART, MORRIS & MONT has engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that the consent of the consumer is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ). 

In addition to federal law, Missouri state law, specifically Missouri Revised Statutes Section 570.223, underscores the necessity of consumer consent for credit reporting and the severe implications of identity theft and unauthorized use of personal information. 

I assert with unwavering certainty that I have not provided consent for LOCKHART, MORRIS & MONT to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for federal and state laws. 

I demand, with the utmost certainty, that LOCKHART, MORRIS & MONT immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and Missouri Revised Statutes Section 570.223. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including identity theft fraud laws. 

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA and Missouri state law. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting. 

I anticipate your immediate attention to this matter and expect that LOCKHART, MORRIS & MONT will promptly rectify these egregious violations, respecting my rights under federal and state laws. 

Done in good faith, XXXX XXXX
Consumer complaint received 2024-05-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NC)

In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604 A section 2 it also states that consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666 B a Creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
Consumer complaint received 2024-05-17
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: CREDIT ACCEPTANCE CORPORATION (MI)

XX/XX/year> was involved in XXXX XXXX, involving another individual where the the vehicle was XXXX XXXX. Contacted the company to cancel payment account and file a claim in which information was giving from police report ( XXXX XXXX Police department ) and was told would be contacted at a later time. I was never contacted, instead I was mailed an outstanding bill of late payments at last present address ( XXXX XXXX ) and recently received a letter from attorney implicating I'm being or could be sued for lack of payments and collector may try to garnish payments from employment.
Consumer complaint received 2024-05-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIBANK, N.A. (AZ)

I received a notification on XX/XX/2024 through my XXXX credit report that a charge card under the account name The Home Depot/Citi Bank had been opened under my name on XX/XX/2024 and had a balance of {$1300.00}. I called the bank directly to report it as fraud since I did not open this card. 

Also, I received another notification of a hard inquiry on my credit report alerting me that a credit card application was submitted under my name for a XXXX XXXX XXXXXXXX XXXX XXXX through XXXXXXXX XXXX I called the bank directly to report it as fraud as I had never applied for a credit card with XXXX XXXX XXXX. The bank confirmed that they have alerted the credit bureau of the fraudulent activity.
Consumer complaint received 2024-05-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

la XXXX XXXX XXXX XXXX mi XXXX XXXX XXXX XXXX XXXX XXXX favor XXXX XXXX Please I need you to modify my account since there are unpaid payments and I have not been in the payment on the account to check my credit there are differences Please I need them to be modified since I have had my payments up to date in my XXXX XXXX XXXX. Thank you and in the credit XXXX there are different payments and which are not bank of america
Consumer complaint received 2024-05-17
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: GOLDMAN SACHS BANK USA (CA)

I opened a Marcus savings account on XX/XX/XXXX and wired from my XXXX savings account XXXX USD. 

Marcus completed the wire transfer. On XX/XX/XXXX, I tried to access my account through the app and website. I was told it was temporarily locked. I was never notified of this in any manner. Indeed I made a call to their customer service line and they confirmed they never reached out to me. 

They claim that my phone number is unverifiable via their internal controls and that they can not send a pin to the number to verify my identity. 

I asked how they were able to open an account and take my money and then lock me out before verification. I also asked to have them reverse the wire transfer. They refused. I have no access to money that is rightfully mine.