davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Experian Information Solutions Inc. (NY)

I recently had a hard inquiry on my credit card without my consent at a dealership on XX/XX/XXXX. Not really a big issue, but I had tried to file a dispute for it and I think I ended up doing the wrong type of dispute. XXXX XXXXXXXX and Experian told me that I filed a dispute for identity fraud, so they deactivated my account today ( XX/XX/XXXX ). I did NOT want my account to get deactivated. So now Im trying to get my account back but they wont let me. I do not want to start a new credit card. Please help me get my account back.
Consumer complaint received 2022-04-20
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Merchants' Credit Guide Company (IL)

I check my credit online last week and saw 5 debt collectors. I have not been anywhere or have I used any credit because of being laid off. I'm not sure where this came from. However I was arrested in XXXX in XXXX XXXXnd my license was taken away and I had to go to court! There was a man name XXXX XXXX. He impersonated me. This was not known until I went to court and the lawyer showed past arrest photos of " XXXX XXXX XXXX '' and it was all him. I found out he has my DL number, SSN, everything. 

Moving forward I do not even use credit cards and ONLY pay cash, so these accounts can not be mine. Whatever debt this is they need to view the picture of the ID to see if it is my face or that man XXXX XXXX. 

The account that I saw on my credit were : XXXX XXXX XXXX  Account Number XXXX Account Number XXXX Account Number XXXX Account Number XXXX XXXX XXXXXXXX XXXX Account Number XXXX I attached my credit report showing the accounts that are not mine Even when I look on the credit report and look for information to contact the creditors both of these companies XXXX XXXX XXXX and XXXX XXXX XXXX information is not listed. These company did not send any mail to my address and I have been at the same address for over 30 years. I just don't understand why this happen. 

Please hold them accountable for not verifying whoever used my information to get credit.
Consumer complaint received 2022-04-20
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. (TX)

Incorrect information See attachments for proof .Accounts not mine. XXXX XXXX potential negative Date opened XX/XX/XXXX balance {$290.00} status Collection/Chargeoff. 
XXXX XXXX XXXX potential negative date open XX/XX/XXXX balance {$150.00} status Collection/Chargeoff. 
XXXX XXXX XXXX potential negative date opened XX/XX/XXXX balance of {$150.00} status Collection/Chargeoff. 
XXXX XXXX XXXX potential negative Date opened XX/XX/XXXX balance of {$400.00} status Collection/Chargeoff. 
XXXX XXXX potential date opened XX/XX/XXXX balance of {$2400.00}. status Collection/Chargeoff. 
XXXX XXXX XXXX potential date opened XX/XX/XXXX balance of {$4600.00} status Collection/Chargeoff. 
address XXXX XXXX  XXXX XXXX XXXX tx XXXX XXXX XXXX XXXX XXXX XXXX tx XXXX XXXX XXXX XXXX tx XXXX XXXX XXXX XXXX XXXX XXXX, tx XXXX XXXX XXXXXXXX XXXX XXXX tx XXXX XXXX XXXX XXXX XXXX texas XXXX. 
Names XXXX XXXX
Consumer complaint received 2022-04-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (CA)

In XXXX of XXXX, I was undergoing a home renovation, which required multiple trips to local hardware stores. I employed four local individuals to assist me with this project. The agreement was to pay them cash for their assistance in the home renovation. They accompanied me on these trips to XXXX XXXX, XXXX 's and other local stores. At the register, these individuals would accompany me as I made my purchases. Unbeknownst to me, they were watching me input my PIN number into the register keypad. 

I did not know but these individuals who I employed, were planning to rob me blind. They stole my card when I was not looking, and used my card at various stores such as XXXX XXXX, nail salons, XXXX, XXXX Hardware, and pulled out cash at ATMs. Over {$10000.00} was stolen from my Chase Checking and Savings accounts. 

When I discovered the theft, I immediately researched these transactions to ensure I was not the one who made the transactions. There were over XXXX transactions, and each one totaled over {$1000.00}. When I concluded I did not make these purchases, I filed a report with Chase and filed police reports. I filed these reports in XXXX of XXXX when I noticed the money missing. J.P. Morgan Chase has denied my claims three times, stating that I disclosed my PIN, which i had not. They have not reimbursed me for the over {$10000.00} in fraudulent and unauthorized transactions that these thieves made. They have also closed my account. 

I have gone to store managers, requesting copies of store footage so I can assist Chase in their investigation. I have spoken to numerous police officers and been on hold with Chase for over XXXX hours trying to get this resolved. My funds are supposed to be FDIC insured and for Chase to blatantly deny my claims and treat me as though I am a criminal is egregious and disappointing. i did not provide my PIN- they watched me and memorized my PIN.

I demand Chase reimburse me and take the time to complete a thorough investigation, For them to deny me is outrageous. I have done my due diligence and taken all necessary steps to assist Chase in their fiduciary due process. I have banked with Chase for over 27 years and for them to treat me like this, particularly the employees at the XXXX Ca branch, is unethical, immoral and criminal. 

Thank you for taking the time to ensure my report reaches the appropriate parties at XXXX XXXX XXXX..
Consumer complaint received 2021-03-11
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Google Compare Credit Cards Inc. (FL)

My coworker stole my identity. She used Google pay to withdraw small amounts from my XXXX banking accounts for a long time now. Its unnoticed due to the fact that she was able to create her own receipts and purchase descriptions with the Google app. For example, I would have XXXX or XXXX charges multiple times in a month for small amounts, but if you look at the purchase information, theres Google information on the fraudulent purchase. Its basically an app that allowed her to withdraw monies from my accounts, undetected. It also gave her complete access to my life and I dont know how to fix this. Every time I lock my credit, shes able to open it right back up. Google pay has ruined my life, and no matter what I do, I cant repair anything that has been damaged because of the access that its given this person. This should be reported to the fbi for cyber crimes.
Consumer complaint received 2022-10-14
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. (CA)

I ordered a copy of my report in XXXX and I found out that credit reporting agencies still indicate my dispute of account in my credit report. As of todays date, Equifax, XXXX and XXXX has not answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of XXXX XXXX Account XXXX. I believe it was reporting in error. 
XXXX XXXX XXXX XXXXXXXX XXXX Balance XXXX
Consumer complaint received 2022-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

I have submitted two letters to the 3 major credit bureaus asking them to remove incorrect information off my credit report. I still have not had any responses. 

Here is a copy of the letters I have sent out on XX/XX/XXXX -- -- -- -- -- -- XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, Texas XXXX Date of XXXX SS # : XXXX Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : 1. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

2. The status is incorrect for the following account XXXX XXXX XXXX XXXX XXXX XXXXccount Number : XXXX Please remove it from my credit report. 
By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 
Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 
Thank you for your time and help in this matter. 
Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-03-14
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NJ)

I strongly request the removal of this late payment from my account, as it does not reflect my payment history accurately. I have consistently made timely payments, and it is unacceptable to have this erroneous late payment listed. I urge you to update my account promptly.
Consumer complaint received 2022-10-14
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. (CA)

I ordered a copy of my report in XXXX and I found out that credit reporting agencies still indicate my dispute of account in my credit report. As of todays date, XXXX, XXXX and TransUnion has not answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of XXXX XXXX Account XXXX. I believe it was reporting in error. 
XXXX XXXX XXXX XXXXXXXX XXXX Balance XXXX
Consumer complaint received 2021-02-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc. (TX)

I had XXXX as cable company for 3-4 years. Upon purchasing a new home i tried transferring services with them to my new address but they did not offer service at the new address. I then had to cancel my service. I was told I owe {$0.00} I paid all my bills on time never late on anything. I have perfect credit and have never missed a payment and have no derogatory credit at all. After a year I received a collection notice saying I owed a collection company or XXXX over {$890.00} for terminating my services early. I called XXXX and asked for proof of any contract XXXX phone recording with me agreeing to a contract or written contract ) they provided me with nothing. If there is proof of me agreeing to a contract after having services with them for over 2 years Im more then happy to pay what I owe. But they wont provide proof of anything. I had XXXX from XXXX to XXXX when I moved to my new address. I tried calling the collection agency not only do the refuse to delete this collection or provide proof of contract but they hang up on me every time I call, I cant even speak with a supervisor. Im beyond frustrated because this is dropping my credit score over 40 points and Im personally in the financial services field with no derogatory remarks on credit except for this. I even went to a XXXX location and they said your right you owe {$0.00} but you need to take this up with customer service and or collection company but they are not doing anything for me and I have been trying to get this removed for over a year. Please help me get this deleted off my credit. The collection company is convergent outsourcing. I would like this collection deleted off my credit report please
Consumer complaint received 2022-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have submitted two letters to the 3 major credit bureaus asking them to remove incorrect information off my credit report. I still have not had any responses. 

Here is a copy of the letters I have sent out on XX/XX/XXXX -- -- -- -- -- -- XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, Texas XXXX Date of XXXX SS # : XXXX Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : 1. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

2. The status is incorrect for the following account XXXXXXXX XXXX XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 
Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 
Thank you for your time and help in this matter. 
Sincerely, XXXX XXXX XXXX
Consumer complaint received 2016-01-05
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MO)

BAC sent out my bill pay on XX/XX/XXXX vs XX/XX/XXXX due to the holidays, charged me an overdraft fee on XXXX/XXXX/XXXX despite the check not being cashed yet ( on XX/XX/XXXX ). I was told that is allowed in the disclosure. It should be illegal - if they have n't paid the check, how is it an overdraft? If I had mailed the check, it certainly would n't be an overdraft. Other banks do n't debit the account until the check is cashed. HORRIBLE!
Consumer complaint received 2016-03-28
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Back owned a heloc loan on our property. They sold to XXXX a sub of bac. They wrote the note off because we did not repay this loan in 2012. Now we understand XXXX financial bought the paper and is trying to get payment. It shows on our credit history it was written off. XXXX now has started trying to collect.
Consumer complaint received 2023-10-20
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CITIBANK, N.A. (GA)

On XXXX I reached out to Citi Customer Service to enquire about a wire transfer for closing on a home. This was going to be about {$140000.00}. I was informed that based on my current status with the bank, I could not transfer more than {$50000.00} at once. The agent offered to switch me to Citi priority status which would remove the limit on transfers. I agreed. 
The following morning on XXXX I attempted to make the transfer but the system did not recognize my ATM pin. I called a customer service agent who advised me to change the pin and showed my how this could be done from my online account portal. This was the advise of the agent. However, with the agent still on the line, when I then tried a transfer, the pin was not accepted. The agent subsequently said I would have to wait for XXXX for the pin to be updated. 
Within an hour, i received an email that the pin was reset, so, I attempted to make the transfer. Money was taken from my account but the transaction showed up as pending. After XXXX hours of pending transactions, I called Citi XXXX customer service. An agent walked me through the process and noted that the email address I provided was different from the email address in my portal. I reviewed this and noted that XXXX digits were added to the end of the email address. I shared that I had received an alert that my account may have been compromised about a month before, so I changed my portal password. It is possible someone tried to change my email address. 

I have hit a wall since then every time I have reached out to Citi to resolve this issue. 'Someone will reach out to you ' is all I have been told. 
I am not unable to close on the house and I do not have access to my funds. Please help
Consumer complaint received 2016-03-24
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Convergent Resources, Inc. (SC)

Collection company refuses to provide information as to name of creditor. They only provide a database listing showing my name and an amount allegedly owed. I have recently suffered from identity theft, and have had a number of claims for services that have been provided in states where I do not live, and have never lived in or have not lived in for 10+ years.
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.
Consumer complaint received 2022-11-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Revolut Technologies Inc. (TX)

On XX/XX/XXXX my cell phone was stolen. I was using Revolut as my banking servicer. There were charges that were made on the device before it was wiped after reporting it stolen. I attempted to dispute these transactions as fraud to Revolut. The " security team '' at revolut confirmed access to my accounts from another device and stated it was compromised. However before the security team even finished securing my accounts the " chargeback team '' had already claimed to resolve the dispute stating no fraud activity. Completely against the information that was provided to me by the security team. I requested that the case be properly investigated and Revolut informed me multiple times that the chargback was rejected by them and they would not investigate. After multiple times attempting to get them to review the information and screen shots of the conversations with their own security team. They still refused and stated they will not do anything one a resolution was made final. The timing of the quick response and rejection of the dispute as well as the results of the dispute being provided WHILE my account was locked down by the security team who had me reset my passwords and made sure to secure my account, shows that Revolut ignored the regulations to fully investigate the reported dispute in good faith. They refused to re open the dispute and use the information provided to them by their own security team, and based on the evidence provided a result knowingly and willfully when such a conclusion could not have reasonably have been drawn. I spoke with another representative regarding a request to receive all of the dispute documentation including the investigation notes from the security team showing unauthorized activity on my account. The representative informed me that they only provide the results to the dispute and that when a dispute is final there is no way for them to make any changes. I also requested clarification as to why the dispute team did not use the information about my account compromise. I was not provided any avenue to get clarification. This again is against the banking regulations requiring documentation at my request.
Consumer complaint received 2022-04-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FIFTH THIRD FINANCIAL CORPORATION (GA)

Debt is a result of identity theft XXXX XXXX XXXX Account # XXXX Opened XX/XX/2021 Balance XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX Debt not mine I was a victim of identity theft.
Consumer complaint received 2021-02-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PACIFIC PREMIER BANCORP, INC. (CA)

Since 2010, I had/have checking accounts with XXXX XXXXPacific Premiere Bank. I can not access my accounts online and it blocks me " each and every week ''. If I am unable to access my accounts, then I can not realize, if the balances are low. With its predatory practice, bank quick returns checks and collect NSF fees after NSF fees, while it is their fault that I can not access my accounts online. This is the only bank that I have problem with. I have told them about this problem for about last 2 years. It was mitigated that I was able to go to branch and find out my balance. Now with COVID-19, I can not /will not go the branch. So the first problem is access to my accounts online. Second problem is that my interest calculation by the bank is wrong.