davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-06
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

They closed my accounts unexpectedly and wont respond to any of my complaints I filed against them this is not fair when Ive been a long time customer they dont want to do business with me and wont tell me why claim its under their contract horrible policies this bank is crazy Ive been with them for years and this is how they treat me I feel discriminated for being told I can never do business with them again or have any accounts
Consumer complaint received 2023-02-05
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX Account XXXX, Account name : XXXX Account number XXXX, Account name : XXXX  XXXX Account number XXXX, Account name : XXXX XXXX XXXX XXXX Account number XXXX, Account name : XXXX XXXX XXXX XXXX Account number XXXX, Account name : XXXX XXXX Account XXXX, Account name : XXXX XXXX Account number XXXX, Account name : XXXX XXXX Account XXXX, Account name : XXXX XXXX Account XXXX, Account name : XXXX XXXX Account XXXX, Account name XXXX XXXX Account XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-02-06
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: BAM Management US Holdings Inc. (OH)

I have deposited funds from my bank account to Binance US numerous times. {$1000.00} on XX/XX/2020. {$1000.00} on XX/XX/2020. {$500.00} on XX/XX/2020 and many others. On XX/XX/2020 I attempted two withdrawals of {$1000.00} each from Binance US to my bank account. On XX/XX/2020 I attempted to withdraw {$400.00} from Binance US to my bank account. I never received the emails for disbursement on any transaction. {$2400.00} of my money are now " In Order '' on your exchange with all transactions still pending. Essentially you have locked my funds and they can not be traded nor transferred. I have submitted tickets to tech suppport, contacting you through XXXX and messaging your CEO. No response has been given to me. There is a growing number of frustrated customers on social media complaining of the same issues.
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NE)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2021-02-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP (MD)

On XX/XX/XXXX we closed on a refinancing with Eagle Bank for our single family home in XXXX MD. 

On XX/XX/XXXX we were informed that our loan had been sold to US Bank. The effective date of US Bank to start receiving payments was XX/XX/XXXX. Our loan number is XXXX. 

On XX/XX/XXXX I was informed by email that USBank had disbursed {$1900.00} to XXXX XXXX for an insurance premium payout. 

Unfortunately, we do not have our homeowner 's insurance with XXXX XXXX. We have our insurance with XXXX 's and this payment was made by Eagle Bank on XX/XX/XXXX. 

In speaking with the poorly trained customer service department, I was informed that US Bank made a payment for the premium for the Master insurance policy for the Condo.

This property is not a Condominium, it is a single family home which could be easily checked by using XXXX or perhaps just reading the documents. 

Even if this was a condo, what Condo owner pays the premium for the Master Insurance Policy for the Association? The only premium a Condo owner would pay is for an HO6 policy.

The rep then asked me if my policy covered walls in or just the outside. Again, this is a single family home so this question shows a poor understanding of what is in a Condo policy vs a single family home policy. 

The rep found that my paperwork was processed incorrectly designating it as a Condo. Why that happened and what possessed anyone to send a payment for a premium for a Master policy when you aren't even processing my payments yet for the mortgage is unbelievable. 

We are very disturbed that you would send funds out of our account when you do not even have the account till XX/XX/XXXX. 

I spoke with a rep for US Bank on XX/XX/XXXX and was assured my paperwork would be updated and the funds returned to my account. 

On XX/XX/XXXX I received an email that US Bank has now sent another payment for homeowners insurance for {$1900.00} to XXXX XXXX. Still not our homeowners insurance policy. Called the bank on XXXX and they had no record of my request from XX/XX/XXXX. I asked for a lock on any more escor payments and that they had t get my authorization. They refused. I am now out {$3900.00} with no assurances when this money will be returned. I emailed XXXX XXXX XXXX XXXX at the Bank with no response. 

US Bank has shown us so far very sloppy handling of our account, our funds and very poorly trained workers. Not what you want to see when you handle our escrow for insurance and taxes.
Consumer complaint received 2021-02-06
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: Self Financial Inc. (NY)

You are reporting negative information on my credit report which is extremely inaccurate. I have never made a late payment to your company. This is a violation of my rights of the FCRA, and I will be seeking legal action and compensation for this under 15 USC 1681. The inaccurate reporting of this account is an adverse action and a defamation of character. It has be on my report for too long. I HAVE NEVER MISSED A PAYMENT. XXXX  and XXXX reflect that as well. Please correct my XXXX report.
Consumer complaint received 2023-08-17
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: EQUIFAX, INC. (CA)

These inquiries where not undertaken by me. Share same name with family member. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-02-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A. (CA)

On XX/XX/21 I activated my Citi doublecash card and added it to my XXXX XXXX. I then was not able to verify the card and was told to call Citi. I waited a few days ( now its XXXX ) and I was told they are not able to verify my identity by any means except paper pin code. Now I have a fraud alert on my card and cant use it til I get this letter in the mail. The reps on the phones are the worst and dont offer any assistance except to say " Wait for the letter in the mail ''
Consumer complaint received 2021-02-07
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (IL)

Chase allegedly deposited a " Government Stimulus Chase 30 day Overdraft Assistance Credit, '' without notice or a promissory to repay. 
My stimulus money and paycheck both were deposited XX/XX/XXXX, and Chase allegedly still processed this " credit '' to my account the XXXX. 
I received a letter XX/XX/2021 dated XX/XX/2021 notifying me about the " credit '' and that it would be debited on XX/XX/2021. 
Problem is- Chase reorders transactions and adjusts account balances so the " credit '' wasn't initially visible to me on the date it is now published. I had no change to my account balance and to date can not tell if the funds were ever received. 
There's a process banks can do that " hold '' funds. The transaction appears listed in real-time, yet isn't real and can be released back into the account or to the " holder '' by a given date or authorization ... .In my case Chase is the holder- I didn't ask for or need this " credit, '' and now they are about to debit over {$1600.00} from my checking account.
Consumer complaint received 2021-02-07
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (AR)

Back in the summer my chime card was used for a few transactions that I have verified with XXXX and the hotel are all card not present transactions. I opened a dispute with chime in which they denied the dispute because the thief didnt check the balance and because I had money come in during this time period. I made an FTC complaint and on XX/XX/XXXX they reopened the dispute.. which as of today they are still working on i am out over XXXX while they leave it in an indefinitely pending status. I have tried multiple times to contact them regarding this and literally get ignored. One of the transactions is a hotel in OHIO I uploaded a WHOLE TIMESHEET showing at the time of the transaction I was in Arkansas presently working so I could not possibly have made a purchase in freaking ohio like I said before i called the hotel and XXXX and confirmed none of the transactions were in person so obvious fraud. 

See attached screenshots and documents I have more if need be.
Consumer complaint received 2021-02-06
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: M&T BANK CORPORATION (MD)

My checking account with M & T bank has been compromised by XXXX twice in less than three months. It started on XX/XX/XXXX for {$.00}, {$1.00}, and {$19.00}. I was able to report and to leave email telling them to remove the charges but I was upset because M & T had nothing on its menu or online to report fraud. 

On XX/XX/XXXX an XX/XX/XXXX, XXXX hit my account for {$.00} and {$3.00}. Again I tried to contact M & T to no avail. Because Covid, reaching customer Service was impossible. I spent hours trying to reach them for over a week! I tried continuously and was really upset because my social security check is deposited in this same checking account! 
Finally, I called my local branch and a one of the female employee returned my call and resolved the issues. I told her what had happened. 
I received my stimulus check direct deposited into this same account. The check for {$600.00} I never received. I went to the IRS website and saw that I qualified. One suggestion on the IRS website said to ask your bank if they.received the funds. 
No answer. 
My mother who is XXXX also has an account with M & T. She wrote a check to a charity in XX/XX/XXXX. It was cashed later at XXXX XXXX XXXX and changed from {$100.00} to {$7600.00} in XXXX. M & T told use because it was check fraud, it would take 90 days to return her funds. When we called back in 90 days, M & T stated their investigator was on vacation and it would be handles upon his return. Nothing happened. No money went back into my Mom 's account. 
Last week, an investigator from XXXX XXXX called and asked us about the case. M & T had lied to us. They had never done an investigation!! In two days, my mom had her money back. since XX/XX/XXXX!!!! 
Something is going on. Senor citizens are being targeted! My mom had a similar problem with XXXX XXXX XXXX for alot less money. 
I am XXXX and my mom is XXXX.
Consumer complaint received 2023-02-04
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. (NY)

XXXX XXXX has 20 inquiries allotted on my credit report that they refuse to remove that was fraudulently used to attempt to put credit in my name. They have allowed companies like XXXX XXXX, XXXX XXXX, put collections on my account
Consumer complaint received 2021-02-06
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: CAPITAL ONE FINANCIAL CORPORATION (PA)

Hey, I never gave CAPITAL ONE permission nor the right to report on my consumer report & the fact that this account is reporting on my credit report without any written permission is against the law. This is a violation as well as identity theft. Please reverse this under 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Concerning the accounts listed below as a consumer I am demanding the deletion of the following accounts from my consumer report : CAPITAL ONE : XXXX****
Consumer complaint received 2021-02-07
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (CA)

I received court documents " memorandum of costs after judgment, acknowledgment of credt and declaration of accurred interest '' from Midland Funding LLC dated XXXX XXXX. I contacted Midland on XX/XX/XXXX and paid the full amount of {$1100.00}. I recevied a " settlement arrangement complete '' letter from Midland dated XX/XX/XXXX. 

Today ( XXXX XXXX ), I received a " Notice of Wage Garnishment '' from Midland. The same court case number from the above paid account is the same. After paying this account in full and receiving a settled letter from Midland, the company still pursued a wage garnishment violating FDCPA.
Consumer complaint received 2021-02-06
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. (CA)

I have been the victim of identity theft so i thought until i tried time after time credit repair after credit repair dispute after dispute to remove items that are not mine and are reporting in correctly. I have attempted for now 2 years to get these items fixed however with no success. I have submitted disputes with XXXX, XXXX and experian. I have advised them that I have not had any inquiries in the past 8 years so for anything to show up on my credit is false. My last attempt was on XX/XX/2020 i in efforts to dispute the inaccuracies submitted another letter and have yet to hear back from experian and XXXX  however XXXX sent the 4th postcard saying that my documentation can not be used. how is this when its one of the acceptable items to verify my address which is my utility bill. PLEASE HELP
Consumer complaint received 2021-02-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (NJ)

This dispute with Citi XXXX XXXX is related to purchases from XX/XX/XXXX. During this time, Citi XXXX XXXX has failed to handle the dispute properly, failed to suspend pending payments during the period, and has been unable to properly handle the issue. 

Several items were purchased from a vendor, XXXX XXXX. Those items were returned but full credit was not received. A credit of {$600.00} is currently owed. 

Previously provided to Citi XXXX XXXX in a letter to Citi XXXX XXXX dated XX/XX/XXXX. 
Evidence of XXXX XXXX orders ( XXXX, XXXX, and XXXX ). 
Return tracking XXXX # XXXX ) with evidence of return on XX/XX/XXXX. 

I have had many calls with Citi. Most recent calls were : XX/XX/XXXX XXXX - Citi has closed the dispute but my concerns were noted. 
XX/XX/XXXX XXXX - Added notes to the case while it was being worked on by another agent. I asked for my last payment to be refunded, as I was receiving bills from Citi even though there was an active dispute. This was not done. 
XX/XX/XXXX XXXX - Hung up on me while waiting for transfer. 
XX/XX/XXXX XXXX Indicated she understood the issue, it would be escalated, and I would receive a call a next day. The call was never received. 
XX/XX/XXXX XXXX I was advised that the case needed to be reopened because it wasnt handled properly by Citi. Dispute was being reopened and I should call back in a few weeks. 
XX/XX/XXXX XXXX I was advised that the case needed to be reopened because the reviewer didnt fully review the documentation. 

Citi XXXX services verbally indicated that mistakes were on their end and this would be corrected. This has not happened.
Consumer complaint received 2021-02-06
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 — Was not notified of investigation status or results
Company: Optimum Outcomes, Inc. (LA)

I've reached out to OPTIMUM OUTCOMES, IN and XXXX XXXX XXXX XXXX XXXX seeking providing details of such adequate services and address this issue yet they still haven't provided such information. I have been involved in a data breach and due to that I have placed a security freeze and also have setup an identity theft alert. I need assistance with this matter because this falsely reporting have impacted me financially.
Consumer complaint received 2021-02-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$420.00}, {$0.00}, {$5900.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$420.00} -This is not my account. 

3. XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5900.00} -This is not my account. 


-- INSTALLMENT LOAN 5. XXXX XXXX XXXX with ACCT # XXXX opened onXX/XX/XXXX with a balance of {$0.00} -This is not my account.
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Hello, I've disputed a few accounts, two from XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. Transunion has on multiple accounts, verified as accurate. The reason for my disputes is because XXXX XXXX, both accounts are reporting 2 120 day lates on both accounts. This is inaccurate. Its impossible to be 120 days late for two months. credit reports has to be 100 % accurate and the bureaus must investigate all disputes and they have not! Also XXXX  has reported I was in collections after 60 days and I was not.

Ill upload dates and disputes
Consumer complaint received 2021-02-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (DC)

Applied for mortgage loan through XXXX XXXX in XX/XX/XXXX, and XXXX XXXX XXXXXXXX XX/XX/XXXX. Both stated they received no scores from XXXX, XXXX, and Equifax. In XX/XX/XXXX, I got scores for them when I applied for rental units. So XX/XX/XXXX, I called the bureaus listed, asked why they reported no scores? I was told by customer service representatives they were showing scores for me. They refused to give me the score over the phone, citing I had to pay for it ( {$9.00}, etc. ). I questioned why two different lenders were getting the same result, they claimed not to know and said I needed to have them call the bureau directly. I shouldn't have to pay for my own credit report and submit it to lenders. 

Something does not add up!
Consumer complaint received 2021-02-07
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: DISCOVER BANK (OH)

XXXX has had me locked out of my credit report for over a year, they keep lying and saying they will send me a copy, I kept complaining how inaccurate it was on the app so they locked me out of accessing it, I cant even order it online, and when I call they tell me theyre mailing it and dont ... I have excellent credit and anyone who checks it through them denies me and said theyre telling them my score is XXXX ... It isnt ... Every single hard inquiry they have needs wiped because they provided misinformation on them checks and I was denied things I shouldnt have been denied over it and can prove it ... XXXX XXXX sent me a letter telling me they said my score was XXXX and thats why I was denied ... All the other agencies have the right info ... I have asked they fix it over a year now and they still havent ... I have asked for a copy of the corrected report for over a year and they never send it just say they will ... At one point they had almost everything on my report wrong clear to my name spelling and social security number ; and when I sent the copy of the report back with the corrections that needed made hand written in and requested a corrected copy all of this started where they locked me out of viewing my report and refused to send a corrected copy ... I want all the inquiries wiped they provided the wrong information to those companies and I want to see my report ...