davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-15
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A. (TN)

I opened a checking account online with Citibank, never used it and requested thru chat to close it when I was charged an inactivity fee. It took two separate attempts on chat to close the account, each month the account would be at {$0.00}, they charged the inactivity fee and then an NSF fee. It seemed that the account closed because it is no longer on my online banking when I sign in. 

I received an email on XX/XX/XXXX stating my account is overdrawn {$46.00}. I called to resolve the issue today XX/XX/XXXX, but no one will help me because I do not have the account number. I don't have access to the account number because it is no longer available online. I am told I can not be helped and the phone line goes dead when I ask to file a complaint. 

These charges are deceptive, false and now impossible to resolve. 

A company this large should have a better system to handle complaints. Using a foreign call center who disconnects the call is unacceptable. I made three attempts to resolve this today between XXXX and XXXX.
Consumer complaint received 2023-02-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NJ)

I submitted a letter to the 3 Credit Bureaus to fix these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXXXXXX 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 XXXXXX/XX/XXXX
Consumer complaint received 2022-03-15
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. (MI)

My updated credit report from Experian was reporting a lot of inquiries that are not connected to me. The inquiries posted should not be on my report because I have neither inquired nor reached out to anyone of them. If Experian has made an extensive investigation about this, they should have removed all these inquiries. However, they have not their duties of either confirming the items and/or reaching out to me to notify. Here is the list of the unauthorized inquiries : XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XXXX XXXX, XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX
Consumer complaint received 2022-03-15
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: Bread Financial Holdings, Inc. (TX)

My credit report is reflecting a new accounts that were opened that are fraud and not me. I think my identity was stolen. This includes an account for " XXXX '' as well as " Comenity Capital Bank ''
Consumer complaint received 2019-07-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I first disputed 2 XXXX XXXX XXXX   items that was not suppose to be on my report on XX/XX/2019. One was removed but one was still there. I call Transunion as to why it was still there and they replied that they had nothing showing that it was disputed. So they made another dispute on XX/XX/XXXX. On XX/XX/XXXX I called to find out why it was still there. They claimed that it was correct. Now they are saying another dispute was created on XX/XX/XXXX. 
Something is wrong with there reporting.
Consumer complaint received 2019-08-01
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. (FL)

I don't recognize this accounts, i never applied for it, i don't have any contract with this companies. I was victim of Identity Theft, somebody used my personal information and applied for cards and loans on my name.
Consumer complaint received 2023-02-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (OH)

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX XXXX XXXX Balance : {$13000.00}
Consumer complaint received 2022-03-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Know that the following inquiries were unauthorized. I have not reached out to any of these companies nor inquired about anything. There must be something wrong with TransUnion 's investigation which they should eventually correct. Please see the inquiries that are unfamiliar to me. 
XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XXXX XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX
Consumer complaint received 2022-03-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. (NY)

we issued check # XXXX to our employee XXXX through our account at chase bank on XX/XX/2022. The check was deposited through a chase bank ATM machine on XX/XX/2022 through an account that does not belong to XXXX XXXX, Chase never should have negotiated the check. We filed a claim with chase bank check claim department on XX/XX/2022, they told us it would take thirty days to investigate the claim, on XX/XX/2022 we called chase, they said hey had not investigated, we asked them to credit our account for the {$1300.00}, they refused, it was there negligence that permitted this check to be cashed, they refuse to accept responsibility for their actions. They should not be allowed to hold our {$1300.00} hostage.
Consumer complaint received 2022-03-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (OK)

Greetings, I am sending this email due to a practice of a business that is purely unethical and should be addressed by the Federal Trade Commision, in my opinion.My particular experience is as follows : On XXXX, I used my Care Credit/Synchrony Bank credit card to pay for my deceased pet 's final expenses. Since I am a XXXX Veteran, I get paid once a month at the beginning of the month, hence I tend to pay my bills first and foremost. I made a payment on my card on the XXXX day of XXXX, even though it was not due until the XXXX. On my XXXX statement I discovered that I had attained an " overdue payment '' notice and fee of {$28.00} for the XXXX payment, even thoughthe credit card company had withdrawn the full payment from my bank account the day I made it, which was approximately 4 times the minimum amount due. I called to straighten the issue out and was told that I would just have to pay the fee as I was told that I, quote, '' had just made the payment too early ''. I ended up paying the extra fee, even though the company gave me credit for the payment I had already made in XXXX, which makes absolutelyno sense, and appears to me to be a way to chisel money out of honest people trying to pay their bills. If I had been LATE with the payment, I could understand an " over-due payment fee '', but to be flagged and charged by the credit card company as if the payment was late when it was paid early is ridiculous, as well as a hit against my credit score, and an unethical business practice as well.. Whether this type of activity by a company is illegal or not, I do not know, but I do know that business practices of this type are hurting honest consumers on a daily basis and should be regulated. My suggestion would be to require any and all unsecured loan/credit card payments made anytime on or before the due date of the same month to be accepted without exception to the date paid. Facing charges for paying a bill early should not happen.If any further information is required of me, I will be happy to provide it.Thank you for your time.
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I will be disputing these accounts with screen shots of contradicting information. along two credit bureau. Although it is not illegal for capital one to report rolling charge offs they are required to be 100 % accurate, WHICH THEY ARE NOT. I also never received a 1099c to explain the charge off income on my tax return. These violations have severely damaged my life as it is impossible for me to take advantage of opportunities that come to those with good credit. I went thru a horrid time when I was forced to retire due to XXXX  and cap one not only sued me but are reporting these two accounts every month as new charge offs. This to a XXXX veteran on a fixed income on two accounts that I was never late paying for years. Section 1681i requires accurate reporting. section 1681s-2 imposes duties on data furnishers to ensure accuracy. Both of these codes in the FCRA are being violated. 

Capital One ; no account number reported, balance {$8300.00}, XXXX and XXXX Capital One ; no account number reported, balance {$3400.00}, XXXX
Consumer complaint received 2022-03-15
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: OneMain Finance Corporation (IL)

There are no cards linked to any of these inquiries but someone is trying to get credit on my name and they even had a credit card on my name that i had to call and talk to a company about a couple years back to get turned off and given to me so this is not the first time but i need it to be the last time please. Im trying to get my first apartment and i have all these random inquiries messing up my credit. 

XX/XX/XXXX XXXX XXXX XXXX  Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX XXXX XXXX Bank inquiry XX/XX/XXXX OneMain financial inquiry XX/XX/XXXX and XX/XX/XXXX XXXX XXXX inquiry XX/XX/XXXX XXXX inquiry.
Consumer complaint received 2021-08-24
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Nationwide Recovery Systems, Ltd (GA)

Today has called me 4 times alone. Called the number back and the person who answered immediately aggressively asked me to validate my last 4 of social, birthdate and other identity fraud worthy content which he rattled off to me. Asked who he was and he said Nationwide. Informed him I do not have this insurance l, assuming that was who it was. Only after this was told the company name but all the representative seemed to want to do was validate my personal info above. I had previously blocked the number on my cell phone but the number keeps coming through, so due to all this asked them to not call again and send something in writing.. Got yet another call from same number an hour later.
Consumer complaint received 2023-02-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MD)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXXXXXX XXXX XXXX XXXX XXXX, MD XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$17000.00} XXXX XXXX XXXX XXXX XXXX : {$9100.00} XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX XXXX : {$17000.00} XXXX XXXX XXXX XXXX XXXX : {$9100.00} XXXX FCU XXXX Balance : {$0.00}
Consumer complaint received 2022-11-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained more than 68 times nonstop this is exhausting they are not putting these fraudulent inquiries in dispute and they still haven't deleted them either I am depressed. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion 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 XXXX i made this clear for 90 days straight with transunion i spoke to a representative agent name XXXX and XXXX and 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 one negative credit items outstanding debt now that is not mines. I have modest but ok income. Social Security. Something is wrong with Transunion. 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 negative account 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 Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX  and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX  now.with no help they keep ignoring me after I keep telling them repeatedly they are hurting my character of my name they won't respond and it not even in investigation with and me and my son are bout to be XXXX  please help
Consumer complaint received 2022-04-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

In accordance with the Fair Credit Reporting Act, XXXX Account XXXX has violated my rights. 

15 U.S.C. 1681 Section 602 ( a ). States I have the right to privacy 15 U.S.C. 1681 Section 604 ( a ) Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2022-04-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights.

15 U.S.C 1681 Section 602 A. states I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction
s. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights.

15 U.S.C 1681 Section 602 A. states I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights.

15 U.S.C 1681 Section 602 A. states I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A. states I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

In accordance with the Fair Credit Reporting act The XXXX XXXX Account # XXXX and Account # XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A. states I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A. states I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX and Account # XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A. states I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-03-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Eastern Account Systems of Connecticut, Inc. (MI)

In XX/XX/2020 I cancelled service with XXXX! In that process I overpaid them by {$100.00} ( XXXX  Statement included ). When I realized that, I put a stop payment on the check since I had been having billing issues with XXXX, such as ongoing fee increases. ( copy of check and stop payment fee of {$30.00} statement from credit union attached ). 

In the interim, XXXX  sent me a letter acknowledging the overpayment and then sent me a debit card. I did not activate the card since it was not my money to have and shredded it. ( I do not have the letter or card ). 

I started getting contacted by Eastern Account System of Connecticut for the {$100.00} amount, which I assume is the amount that was on the debit card. I contacted their XXXX # and was advised they would put a flag on my account as disputed. I then received a letter from them stating they had put a lien on my accounts with the credit agencies ( copy of my response to Eastern Account attached ) My credit rating has now dropped from XXXX to XXXX, a XXXX point drop in one month due to their action ( copy of credit score trend attached ). Can you assist in helping clear this matter and get my credit rating restored?
Consumer complaint received 2022-03-15
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc (AL)

hello on XX/XX/XXXX chime close my account because they say that i had mad to many deposit in my account i have work cleaning houses an my client paid me cash so i will deposit it into my account with chime so i want have cash on me so when my taxes went in to my account on XX/XX/XXXX they close my account on the XXXX  not letting me get my money out they told me to send in my id an lease my ssn an card a bill a copy of who sent me the money from a deposit an i did all of that im so stressed out that im about to lose my car be in the dark all this is my hard working money that i worked for an they want give me my money so i can take care of me an my child i been up crying trying to find ways for us not to be in the dark or for them not to come an take me an my child car it is so sad that they doing this to me an my child i just want to get my money from them so i can pay my bills