davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-13
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc (PA)

On XX/XX/2022 Chime closed my account stating that - " Provide sufficient original source of funds for transfers and explanation of the rapid removal of {$59000.00} over the last 2 months. '' This is regarding a personal account I have with Chime Bank 1. above you will see an email from Chime bank ( they do business through XXXX XXXX XXXX XXXX that they are investigating me in terms of why I have removed funds so rapidly from my account.. 
2. This is the second time they have shut my account down. However, after the first time, I submitted information ( statements, etc ) showing that there is nothing illegal and they reinstated my account 3. This time after submitting all the info they have not reinstated my account- the answer is pretty simple. I took my {$59000.00} out ( XXXX because I got a bonus at XXXX XXXXXXXX XXXX and {$9500.00} to cover some expenses ) 4. I have called them on 4 or 5 different occasions and customer service states that they can not help me and I have to just respond to the emails... even after elevating the call to the supervisor in charge.. 
5. I have asked for an update 4to 5 different times via their email addresses ( XXXX & XXXX ) however they will not answer me. So, I can't seem to get an answer as to what is going on... What's crazy is this rapid removal investigation. I'm certainly not doing anything illegal. How can a bank do this? What if I wanted to take out my money to buy a car or a house? 

I have about XXXX in this bank account still and would love to take it out but I'm locked out of everything. One of the craziest experiences I've ever had... 

I was wondering if I could get some help on this ... .I just want to sincerely thank you for helping me in the past and again, I am happy to pay you for your services. Thank you!
Consumer complaint received 2023-01-16
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. (GA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

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 XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX XXXXXXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$620.00} XXXX XXXXXXXX XXXX XXXXXXXX Balance Owed : {$1100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

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 Bank # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # 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 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 XXXX 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 2019-12-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc. (CA)

I was contacted by mail by a collection agency on XX/XX/XXXX about a debt they were attempting to collect of behalf of XXXX , XXXX . The debt was in the amount of {$700.00}. After confirming with XXXX that my account had a XXXX balance, I contacted the collection agency and informed them that it was a result of fraud as I was the victim of identity theft in the spring of XXXX and that I was still dealing with many cases of fraud by people using my personal information. The agent agreed that they would close the case and I received no further notices from them. Then I received a notice from different collection agency on XX/XX/XXXX about the same XXXX debt of {$700.00}. The XXXX account number listed on the notice was the same as the one in XXXX. I contacted the XXXX collections department and the agent there confirmed that my account has a XXXX  balance. She looked up the account with the XXXX debt, but said that the personal information ( phone number and email ) did not match and would not give me any more information about it. It is obvious that someone has opened a XXXX account using my name and XXXX is continuing to attempt to collect the debt from me even though they admit I owe them nothing. The collection agency that sent me the latest notice is : Convergent Outsourcing , Inc . I am attaching a copy of the notice with their contact information.
Consumer complaint received 2023-01-16
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: EQUIFAX, INC. (MA)

I am a natural person, I am a living human being, I have rights under 15 USC 1681. 

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax, XXXX, XXXX written permission to furnish these accounts : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2023-01-16
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. (FL)

i have been paying citi bank for XXXX or XXXX platinum select card for over XXXX year. when i tried to use some of the benefits today all they did was argue with me a refuse to help. I had called them regarding the citi prefered concerts which is the only reason i pay there crazy yearly fee 's and i was getting an oops error message when i tried to check out. there rep refused to assist me wasted over XXXX minutes of my time and then transfered me to dead air.
Consumer complaint received 2023-07-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: AMERICAN EXPRESS COMPANY (NC)

I contacted American Express via chat in XX/XX/XXXX to close my account ending in XXXX. The agent refused to close my account and advised me to send an email to the company. I closed all my previous credit cards with American Express via chat since XXXX.
Consumer complaint received 2023-01-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: EQUIFAX, INC. (NY)

Well on experience credit debt as far as the brief settlement it seemed to be that I put in my claim I have been breached my social security number had was breached from XXXX experience and Equifax and they having something no rewards yet and I put in my time and everything like I supposed to and police reports and they haven't did anything so I would like for you guys to make sure that I get my do justice I want come please on a dare policy I mean the rewards I mean I have been breached I should be getting a full of maximum amount I put in all my hours I put it in the data I gave them actually I gave them the report papers and everything but they haven't reached out they having something on check I don't know what's going on please help me out thank you
Consumer complaint received 2019-11-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Capital One doesn't want to increase my credit limit because of many inquiries on my XXXX, XXXX and XXXX   credit report. 
Inquiries was implemented because of result of getting prequalified for a VA Loan and purchase home. 
I was just recently Approved for a VA Loan and purchasing a home in XXXX, California.VA lender is XXXX XXXX   in California and Mortgage Consultant name is Mr.XXXX XXXXXXXX XXXX fax XXXX XXXX I respectfully need a higher credit increase over {$750.00} as I am going to need items for my new home purchase. 
Also, with a higher credit increase it will help me increase my credit scores. I have a excellent payment history with Capital One for over one year.

Urgent Matters!
Consumer complaint received 2023-01-16
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)

Ive discovered with my credit report on file. These inaccuracies have harmed my creditworthiness and limited my ability to obtain fresh credit, and I have been contesting this issue with TransUnion for a long period of time. TransUnion is obligated by the FCRA to report accurate accounting/information ; however, they have failed to do so and is in violation of the Fair Credit Reporting Act ( " FCRA '' ), 15 U.S.C. 1681b ( Permissible purposes of consumer reports ), and 15 U.S. Code 6802 - 6805. TransUnion was advised that ALL inquiries reported was fraud via phone, however they refused to remove any of the items. I have disputed several items that are currently being reported ; particularly XXXX XXXX XXXX XXXX Account XXXX which is a charge-off account. Per the LAW a charge-off is a certification of indebtment, which means is it is income and must be removed. The law also states that it is illegal to report any transaction history. I was advised by TransUnion, that the account was verified as accurate by law 15 USC 1681 ( e ). However, the information reported is still inaccurate and inconsistence with all other credit agencies. Under the SEC TransUnion is liable to follow certain rules under the TransUnion XXXX File Number 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 TransUnion is securitizing my consumer data ; however, they continue to refuse to provide a copy of of my CONSUMER FILE, not the CONSUMER REPORT. 

I have attached a copy of what is being reported for this XXXX XXXX " charge-off '' account from TransUnion as well as XXXX. Please note that XXXX has already removed this account from my credit report.
Consumer complaint received 2021-11-10
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Caliber Home Loans, Inc. (CA)

I refinanced my home earlier this year with Caliber Home Loans. It was not a simple loan but Mr. XXXX affirmed with me that they were capable and confident of what was involved. Both loan officers, XXXX & XXXX XXXX were courteous throughout the loan process. In initial conversations with XXXX I was told not to worry about locking interest rates and this was his job to monitor the market and he affirmed he was good at his job. He quoted me an interest rate of 2.45 % - 2.85 % with loan fees totaling {$4100.00}. He said he would lock the rate in when appropriate and not to worry about costs increasing that the market was good. 

Given the market conditions Calibers business increased over this time and they had multiple loans being processed. The office seemed to be moving slowly in acquiring documents, increasing the time in the closing of our loan. Even after formal Approval the underwriter continued making additional requests increasing the length of escrow time. This became my problem when the lock-in rate which I had been led to believe was not a concern, elapsed. I was not told that this was to elapse but I saw later that it was written down - my loan officer failed to inform me. 

In the final week I received DocuSign loan documents which I did not sign when I saw the loan costs had increased to over {$12000.00}. This included {$4500.00} in estimated real estate taxes and property insurance. This was never discussed with me and I talked with XXXX saying this was NOT what XXXX had talked about and must be a mistake. He said he thought he had seen something irregular in the loan costs and not to concern myself with it. 

My initial closing costs jumped from {$4000.00} to {$12000.00} on XX/XX/XXXX and finished with {$15000.00} at closing and this no longer contained the original {$4500.00} in taxes and insurance- it was mainly fees. I again inquired about the previously mentioned increased fees, and XXXX said XXXX had said there was nothing to be done at this point and that Caliber was actually losing money on this refinance. Market interest rates seemed to be rising and I was not going to take a chance and go through this process again. 

I believe there was a lack of integrity, honesty and straight forwardness. We were charged much, much more than we were lead to believe and if Caliber had not been so busy with other loans, and had processed the loan within 60 days as discussed, we would have had an interest rate of not more than 2.65 % and much 1/2 in loan costs. 

In the end of all of this I should have only had to pay 50 % of what I actually paid. I am thoroughly not happy with the ending here. I believe they owe me {$7500.00} in which they overcharged me. I was planning on this extra money to pay off loans and why I originally sought to refinance.
Consumer complaint received 2021-12-15
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: Experian Information Solutions Inc. (GA)

On XXXX, I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 56 days later I have not received a response yet. I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate this items within 30 days gives a reason to immediately remove those items from my credit report it has been over 56 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2021-12-15
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: EQUIFAX, INC. (GA)

On XXXX, I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 56 days later I have not received a response yet. I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate this items within 30 days gives a reason to immediately remove those items from my credit report it has been over 56 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2023-01-15
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: Tesla, Inc. (CA)

In XX/XX/XXXX, I signed a 3-year lease for a XXXX XXXX from Tesla. On XX/XX/XXXX, Tesla sent a driver to my house in XXXX XXXX to pickup my leased XXXX  XXXX and dropped off a new leased XXXX XXXX. Because of Covid, everything was done online and remotely ; I did not have the option to return the XXXX  XXXX to the dealership or ask for an inspection of the XXXX XXXX I completed all lease payments toward the XXXX XXXX before it was picked up. 

On XX/XX/XXXX - 595 days / almost 20-months later - I received an automated email from Tesla saying my " XXXX XXXX XXXX XXXX Final Payment Is Overdue. '' I assumed it was an error and ignored it, but after receiving 2 more emails within 3-days, I emailed Tesla Payment Resolution and reminded them that I had returned the XXXX  XXXX in XX/XX/XXXX and had made all lease payments. That's when they explained they were charging me {$1700.00} for excess wear and tear and the disposition fee : curb rash 2x {$170.00} front bumper repaint due to scuff marks {$600.00} charging bundle {$450.00} disposition fee {$390.00} ( Tesla 's math doesn't add up ) I disputed all of these charges with Tesla as I returned the XXXX  XXXX in good condition and returned the charging bundle. As the XXXX XXXX has been in Tesla 's position for 20-months, and Tesla never notified me of any concerns or damage to the vehicle after it was picked-up, I believe that any now-reported damage was caused by Tesla employees, vendors or potential buyers - not me.

I have requested from Tesla a copy of the actual inspection report that was conducted when my XXXX XXXX was picked up in XX/XX/XXXX, but they have only provided me with a couple photos. I have also asked Tesla to provide me with proof that ( 1 ) the above listed damage was caused by me, and ( 2 ) the photos are of my old XXXX  XXXX, and not a different XXXX  XXXX, but Tesla has not provided me with any proof.
Consumer complaint received 2019-04-09
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: CAPITAL ONE FINANCIAL CORPORATION (NJ)

UNKNOWN INQUIRE ON MY CREDIT BUREAU OF XXXX  AND XXXX   DATE OF XX/XX/2018 NAME OF COMPANY CAP1/XX/XX/XXXX XXXX XXXX
Consumer complaint received 2023-01-15
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: Bridgecrest Acceptance Corporation (IL)

Dear Consumer Financial Protection Bureau, I am writing to file a complaint against Bridgecrest ( formerly, XXXX ) for violating the Fair Credit Reporting Act ( FCRA ) and the Fair Credit Billing Act ( FCBA ) in relation to the inaccurate reporting of my car loan payments. 

I entered into a written agreement with Bridgecrest for a payment deferment on my car loan. However, despite this agreement, Bridgecrest has reported my loan payments as late to credit reporting agencies, causing damage to my credit score and hindering my ability to utilize the banking system fairly. 

In accordance with the FCRA, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) and ( B ), Bridgecrest is required to report my loan payment history with accuracy and fairness, and to take appropriate steps to resolve any disputes regarding the completeness or accuracy of the information provided. 

Additionally, the FCBA, 15 U.S.C. 1666 ( a ), requires that credit card issuers and other creditors accurately report account information to credit reporting agencies. Furthermore, Bridgecrest is in violation of the FCRA, 15 U.S.C. 1681s-2 ( b ) ( 1 ) & ( 2 ) and FCBA, 15 U.S.C. 1666i, which indicate that upon a written and signed deferment agreement between the lender and borrower, the payment history is supposed to be current without any late payments. 
I respectfully request that the Consumer Financial Protection Bureau take immediate action to correct the inaccuracies on my credit report, and that Bridgecrest be held accountable for their failure to report my loan payments in accordance with the law. Specifically, I request that my credit report be updated to reflect the " current status- never late '' and that any late payment history be deleted from my credit report based on the deferment agreement. 

I look forward to your prompt attention to this matter and I am available to provide any additional information or documentation that may be required. 

Sincerely, XXXX XXXX
Consumer complaint received 2019-12-21
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Bread Financial Holdings, Inc. (FL)

On XX/XX/2019 at XXXX XXXX  I went to XXXX XXXX XXXX at XXXX XXXX XXXX in XXXX, they told me I was pre-approved for their Ultamate Rewards Mastercard Credit Card, I agreed to apply for this because they would give me 20 % discount on my purchase that day and because I could use it to make purchases outside the store, this week I received the credit card and it is their other credit card called Ultamate Rewards Credit Card, this card can be used on that store only, I would have never agreed to a only store credit card, cashier named XXXX lied to me to get me into apply, she assured me it was the Mastercard I was pre-approved not the other one. I call to customer service so they can fix it, they just say there's nothing to do, if I want the other card then I have to apply, and I am not applying again for the same card!
Consumer complaint received 2024-01-05
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: U.S. BANCORP (PA)

I HAVE ASKED THE COMPANY MULTIPLE TIMES TO TAKE THIS OFF MY CREDIT I HAVE DISPUTED A XXXX TIMES. THEY SENT A CARD TO MY OLD ADDRESS AND SOMEONE MAXED IT OUT THEY TOLD ME THEY WOULD TAKE EVERYTHING OFF AND SEND OUT A NEW CARD. THEY SENT ME OUT A NEW CARD BUT PUT ALL THE CHARGES BACK THE NEXT DAY SOON AS IT WAS ACTIVED