davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-27
Product: Credit reporting, credit repair services, 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 am writing to dispute several hard inquiries on my credit report that I believe are fraudulent and unauthorized. These inquiries were not initiated by me or with my consent, and I believe they were made by someone attempting to obtain credit in my name without my permission. 

As a consumer protected by the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate or fraudulent information on my credit report. Specifically, under Section 611 of the FCRA, I am entitled to dispute any inaccurate or fraudulent information on my credit report, including these unauthorized hard inquiries.

Additionally, under Section 616 of the FCRA, credit reporting agencies and entities that furnish information to them, such as creditors, are required to take reasonable measures to ensure the accuracy and completeness of the information in a consumer 's credit report. In this case, it is clear that these fraudulent hard inquiries were not initiated by me and therefore are not accurate or complete.

I request that you investigate these fraudulent hard inquiries as soon as possible and remove them from my credit report within 30 days of receipt of this letter, as required by law. Failure to do so would be a violation of the FCRA, and may result in legal action and penalties under the law.

For violations of Section 611 of the FCRA related to the failure to investigate and correct inaccurate or fraudulent information on a credit report, including fraudulent hard inquiries, credit reporting agencies may be liable for statutory damages of up to {$1000.00} per violation.

DELETE HARD INQUIRIES AND CLOSED ACCOUNTS Inquiries XXXX XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Closed accounts XXXXXXXX XXXX XXXX Closed on XXXX XXXX XXXX XXXX XXXX XXXX Closed on XXXX XXXX XXXX XXXX Closed on XXXX XXXX XXXX XXXX  Hard Inquiries XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX, XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX closed accounts XXXX XXXX Closed on XXXX XXXX XXXX XXXX XXXX Closed on XXXX XXXX XXXX XXXXK Closed on XXXX XXXX XXXX XXXX XXXX XXXX Closed on XXXX XXXX XXXX XXXX XXXX XXXX 
Closed on XXXX XXXX, XXXX Experian XXXX XXXX Inquiry date XXXX XXXX XXXX XXXX  Inquiry date XXXX XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-24
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: Bread Financial Holdings, Inc. (GA)

On XX/XX/2024, made a purchase for {$500.00} at XXXX, purchased a XXXX gift card, the gift card was damaged and unusable, I contacted both XXXX and XXXX to try and get a replacement card to no avail, I disputed the charge, but bank ruled dispute in favor of merchant stating I received the gift card, despite me telling them I received a piece of plastic which I cant use and someone pocketed {$500.00} dollars which I am supposed to pay by next billing statement
Consumer complaint received 2023-04-27
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: EQUIFAX, INC. (LA)

See Attached!! After recently submitting a dispute to your agency I see that these following accounts have come back verified when theres nowhere on my consumer report that states when the account was verfied. As a consumer it is my right to know what methods of validation was used to verify these accounts are in fact because these accounts are very much giving fraud and are not mine! If you can not provide the MOV to the below questions I must immediately demand the permanent removal of this/these items from my consumer report!.
Consumer complaint received 2024-03-24
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem making or receiving payments
Company: CAPITAL ONE FINANCIAL CORPORATION (DC)

I transferred over $ XXXX from my capital one savings account to my XXXX account last week. Ive done this many times and its been fine. This time, Capital one says it was posted on XX/XX/XXXX. My XXXX account is now overdrawn because the transfer never showed up ( doesnt show as pending, doesnt show as scheduled etc. ). I tried to get help from capital one but they only had a chat bot called XXXX. I told them that something wrong happened with my transfer and asked how to figure out where the money was and it kept spitting out useless responses and wouldnt look into it.
Consumer complaint received 2023-07-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (WA)

I closed my Citi credit card ending in XXXX in XXXX, 2023, paying off my complete balance, bringing it to {$0.00}. I requested at this time that my account be closed completely, and was assured that this was done. I did not use that card or account in any way after that point. 

In XXXX I received a payment from Citi in the amount of {$290.00}. I assumed this was the result of overpayment. 

I subsequently received notification that the payment for {$290.00} was an error, and was asked to repay this amount. The payment was the result of another card member making a payment that ended up being credited to my defunct, closed account. 

Here are my concerns : 1. If my account was truly closed, how was it possible that a payment could be credited to it?

2. Why was another card member capable of making a payment to my closed account?

3. Why is this mistakea mistake Citi admitsmy responsibility to resolve?

4. My accountwhich I paid in full and closedis now active again. I did not authorize this.

5. How does the reactivation of this account, the mistaken payment, and now notification that I must repay this amount, affect my credit rating?

6. If I refuse to make this paymentwhich is the result of Citis admitted errorwill I accrue fees or penalties?

Thank you for your attention to this matter, and for any assistance you can provide. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-07-08
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BMO Bank, N.A. (IL)

We bank with BMO Harris, particularly the branch in XXXX, IL. On XX/XX/2023, I went to the gas station to buy gas and I discovered that my card declined several times even though I knew that I had {$800.00} on it. I called the bank, and they told me I have to contact the fraud department. I tried for two weeks to speak with a guy named XXXX XXXX, but it seemed as if he was ignoring me every single time I went. I went to the bank at different hours during the day, and there was always some type of excuse - he's on lunch break, he just left, he's not here today. I left him plenty of voicemails and he didn't reply to any of them until XX/XX/2023 informing me that he closed the accounts and stole all the money. I received a letter regarding my account that I received a check deposit for {$3400.00} on XX/XX/2023. A company named XXXX XXXX XXXX XXXX in XXXX, FL tried to deposit this check in my account and the bank accused me of fraudulent transactions. The return reason was - " not sufficient funds. '' I don't know where this check came from and why someone tried to deposit it in my account. On XX/XX/2023, XXXX actually called back claiming that there was another deposit made except for {$6500.00} this time. Meanwhile, I received NO proof of this happening and I could not see these transactions on the mobile app. On XX/XX/XXXX, XXXX called back and said he had to close the account because there were, again, " not sufficient funds '' after the second fraudulent transaction It needs to be said that I am on two accounts, and they froze and later closed both without giving me the money that was on there that was mine, which is almost {$3000.00}. If the bank FDIC insured, why is my money not protected? Because of this problem, I wasn't able to pay for the mortgage and assessment in XXXX and XXXX. This was money I lived on, I wasn't able to buy food either for me or my daughter. This bank put me in jeopardy and this reflects on my credit score. Please look into this, thank you.
Consumer complaint received 2024-03-24
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem when making payments — 
Company: MoneyLion Inc. (CA)

On XX/XX/2024, I took out a personal loan of {$890.00} on the app Moneylion. The lender unfairly withheld {$790.00} out {$890.00} in a separate account managed by the lender. Withdrawal of that {$790.00} is restricted until the full amount of loan is repaid. Even though the majority of the loan is not available to me the borrower, I still have to pay interest calculated on the full amount of the loan. In other word, I borrowed {$100.00} but now have to pay interest as if I borrowed {$890.00}. 

Worse still, on XX/XX/2024, the lender denied my access to the app and informed me via email citing unusual activity detected. I provided my state ID and proof of address as requested by the lender but my documents were arbitrarily denied. The same set of documents had been submitted to other financial institutions or government agencies for verification purpose without any rejection or issue of processing. After repeated requests of ID proof from the lender, to each of which I gave the lender exactly what the lender requested, I called the lenders hotline XXXX ( XXXX ) XXXX. I was told that my documents submitted were still being reviewed. 

The lenders customer service representative also confirmed during the conversation on phone that I would not be able to withdraw the {$790.00} unfairly and potentially unlawfully held by the lender even if I repay in full the personal loan amount of {$890.00}. The reason given was that there was no other way to withdraw the money other than going through the app which the company had denied my rightful access. 

The seriousness of this case lies not only in the unfairness of how interest is charged or loan terms is structured, but the unlawfully withholding of my personal property ( {$790.00} ) when the loan is fully repaid. All that I have suffered in the past few weeks have given me reasonable ground to believe that the lender intentionally block my account on its app for the purpose of denying me the rightful withdrawal of my money ( {$790.00} ) which the lender unlawfully withheld in the first place. And by so doing, the lender created a situation that early settlement of the loan would not be in the interest of the borrower and thus inducing the borrower to continue making expensive interest payment ( of APR 300 % if calculated from the {$100.00} principal that I actually received ) from which the lender can derive exorbitant profit.
Consumer complaint received 2023-04-27
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. (MI)

This is my 12th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance XXXX {$15000.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$6900.00} XXXX XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXXXXXX XXXX XXXX Balance : {$2200.00} XXXX XXXX XXXX XXXX XXXX Balance : {$370.00} XXXX XXXX XXXXXXXX Balance : {$1800.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$72000.00} XXXX XXXXXXXX Balance : {$1300.00} XXXX XXXX Balance : {$1300.00} XXXX XXXX XXXX XXXXXXXX Balance : {$15000.00} XXXX XXXX XXXXXXXX Balance : {$1800.00} XXXX XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2023-04-27
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. (AR)

I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, delete the noteworthy of any information in my credit record that came about due to an alleged fraud : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-05-13
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. (SC)

This is my 5th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX XXXX Balance XXXX - XXXX XXXXXXXX Balance : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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 — Investigation took more than 30 days
Company: FORD MOTOR CREDIT CO. (MS)

I have submitted several attempts to ask credit bureaus to fix a simple with an account with Ford credit. They continue to report this account late, and have shown late for several months. The account says payment not due until XXXX/XXXX/9999. I was under assumption I had until XXXX/XXXX/9999 to make payments. They havent told me or mail me anything stating anything different. Credit bureaus has ignored my response and continue to report this account inaccurate.
Consumer complaint received 2023-03-31
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: EQUIFAX, INC. (AZ)

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$860.00} XXXX XXXX XXXX XXXXXXXX Balance : {$6300.00} XXXX XXXX XXXX XXXXXXXX Balance : {$9600.00} XXXX XXXX XXXX XXXXXXXX Balance : {$4200.00} XXXX XXXX XXXX XXXXXXXX Balance : {$4600.00} XXXX XXXX XXXX XXXXXXXX Balance : {$2700.00} XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXXXXXX XXXX XXXX : {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$6300.00} XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$4600.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$2700.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$9600.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$4200.00} XXXX XXXXXXXX Balance : {$27.00} XXXX XXXX XXXX : {$840.00} XXXX XXXX XXXX Balance : {$9600.00} XXXX XXXX XXXX Balance : {$4200.00} XXXX XXXX XXXX Balance : {$6300.00} XXXX XXXX XXXX Balance : {$4600.00} XXXX XXXX XXXX Balance : {$2700.00}
Consumer complaint received 2024-03-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SYNCHRONY FINANCIAL (TX)

In accordance with the fair credit Reporting act, Sams Club Dual CA/ SYNCB violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reportinn agency can not furnish a account without my written instructions. 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 2024-03-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (NY)

On XX/XX/24 Chase Bank allowed for {$100000.00} to be stolen ( via wire transfers ) from my business account. Even while I was on the phone with a known-to-me employee at Chase at XXXX XXXX and informed her that I had no knowledge of what was happening. I was further instructed by that Chase employee to continue on the phone call I informed her I was on with Chase. I told her they had contacted me shortly before her call about something completely different ( a XXXX XXXX transaction ) and was unsure what to do. She advised I finish that call and call her back after. When I called the employee back she escalated the call and it was then that I was informed they did not believe I was on the phone with Chase at all, but rather hackers. I also found out that at XXXX XXXX, Chase was aware that calls were being made regarding my account with " bad voice. '' They informed me " bad voice '' was their term for " fraudster tactics. '' By the time I made it to the Branch at approx XXXXXXXX XXXX. I was informed that 3 unauthorized transactions totaling {$100000.00} had been removed. Since Tuesday XX/XX/24 I have been unable to file a police report or escalate to anyone outside of Chase as I have been given no information or documentation. I have spent hours at my local branch I the XXXX, NY on XX/XX/24 and XX/XX/24 imploring and begging for answers, assistance and guidance only to be told over and over that they do not know how to help, that I need to wait till I get a letter in the mail that I may then take to the police. Chase was negligent and irresponsible. They did not follow UCC guidelines/law and have not made any attempts to contact me to date. This is 4 days after the fact. Why have they not reached out to law enforcement? They allowed this to happen in real-time. I repeat, I was on the phone with a known-to-me Chase employee as this was happening. I am pleading for help from anyone. I am a single parent who also provides for my elderly mother and Chase has put me in a position where my life is at an XXXX  inducing stand-still and the future of my small business in question.
Consumer complaint received 2024-03-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc (CA)

On XX/XX/XXXX I got funds in my chime account, I'm a new customer they put a restriction on my chime app, won't give me my virtual account information, I haven't received my debit card they said they sent me 2 of them haven't seen either one. I have been lied to about them sending links so I can get into my chime app.its been a week since I have gotten my money. I asked if they would transfer my money to a friend they said no I tried another virtual account so they could transfer money out of chime chime said no, I tried to put money on my build a credit card chime said no. I have been hung up on lied to, I sent my new ID receipt along with my expired ID like they said I could. I have called over 10 times since XX/XX/XXXX. They said I would have to wait 5 to 6 weeks to access my account when my new ID comes in the mail. I got an email saying they closed my complaint and I can reopen if I want to I'm still waiting for them to let me in my account.
Consumer complaint received 2022-10-26
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. (VA)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX  and stopping me from getting this job offer n now im homeless n cant provide to XXXX XXXX XXXX XXXX XXXX  PLEASE HELP ME PLEASE im depressed now.with no help.