davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-08-07
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: CITIBANK, N.A. (TX)

There are items still showing up on my credit file that has been removed over 18 years ago. XXXX XXXX  credit card company just sent me a denied notice for a credit card and everything that is stated as a reason not to approve me for credit card is wrong and illegal. They stated that they have a charge-off, bankruptcy, severe delinquency, negative performance and that no credit bureau report was not used in making this determination. also, Citi Bank has done the same thing. What can be done about this wrong doing by these companies. These types of denials show not be use against me by Federal Laws under the fair credit reporting service.
Consumer complaint received 2018-08-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/18 I received a text alert from XXXX  XXXX XXXX regarding suspicious debit activity in Florida. I contacted XXXX XXXX XXXX and told them it was not me and put my account on hold. I later discovered that the unknown suspect had used a fake California license and my social security number to request a temporary debit card. I did not give anyone permission to use my information nor withdraw funds from my checking account. A new debit card that I never requested was mailed to my address in XXXX XXXX, CA a few days later. Additionally, I found out that another debit card linked to my account was over-nighted to someone named XXXX in XXXX, FL. I never received an authentication code nor an e-mail from XXXX XXXX XXXX. The unknown suspect withdrew a total of {$6000.00} from two branches of XXXX XXXX XXXX located in Florida. The unknown suspect also used the temporary debit card at XXXX and XXXX in Florida and applied for credit cards with XXXX XXXX and XXXX XXXX XXXX. I was at work in XXXX XXXX, CA when the events herein occurred and have never been to any of the locations where the transactions took place.
Consumer complaint received 2022-07-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Bread Financial Holdings, Inc. (NE)

On XX/XX/2022 my wallet was stolen with all my credit cards and ID I contacted XXXX comenity bank credit card right away about it. It was {$580.00} and the said they took it off. I kept checking it has not been removed. I called several times waiting on the phone for extended periods of time and talking to different people giving them all my information and then not doing anything about it. Every time I call they say there wasnt any information about it which Im thinking people are not doing anything at their job Im highly frustrated I filed a police report and all my other credit cards have given me the funds back except for them. Its hard to talk to someone and when I do they just lie about it
Consumer complaint received 2024-05-15
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Remitly, Inc. (NJ)

I made two international transactions through Remitly to transfer funds from my XXXX XXXX account to my XXXXXXXX XXXX account, totaling {$13000.00} on XX/XX/XXXX ( XXXX ), XXXX and {$6000.00} on XX/XX/2024 ( XXXX ). Despite Remitly 's confirmation of successful delivery on their website, the funds did not reflect in my account on the promised dates. 

Upon contacting my XXXX XXXX XXXX XXXXXXXX, I discovered that my account had been frozen on XX/XX/2024, due to a request for NRO account conversion. Consequently, my other ECS debit from my XXXX account also bounced back. It is perplexing how Remitly claims delivery when my XXXXXXXX XXXX account was frozen prior to the initiation of these transactions. 

Despite multiple attempts to resolve the issue through Remitly 's chat and call services, I have received no resolution. It has now been 15 days since my funds have been blocked, resulting in potential loss of interest. Therefore, I request prompt resolution of this matter and appropriate compensation for the inconvenience caused.
Consumer complaint received 2023-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MD)

I disputed a letter to the credit bureaus on XXXX XXXX to XXXX, XXXX and Experian. And My complaints have been ignored. I have sent another round of letters out regarding to the hard inquiries on my report that do not belong to me, however its been well over 45 days and nothing has been done to fix the issue. Here is the provided list below. 


XXXXCreditor : XXXX XXXX XXXX ( Original Creditor : XXXX ), Account : XXXX XXXXCredit Inquiry from XXXX XXXX XXXX Inquiry Info : HARD Inquiry : XXXX XXXX XXXX XXXXCredit Inquiry from XXXX XXXX, Inquiry Info : HARD Inquiry - XXXXXXXX XXXXCredit Inquiry from XXXX XXXX XXXXXXXX XXXX, Inquiry Info : HARD Inquiry : Finance - XXXX XXXXCredit Inquiry from XXXX XXXX XXXX, Inquiry Info : HARD Inquiry : Banking - XXXX XXXXCredit Inquiry from XXXX, Inquiry Info : HARD Inquiry : Banking - XXXX XXXXCredit Inquiry from XXXX XXXX XXXX Inquiry Info : HARD Inquiry : Banking - XXXX XXXXCredit Inquiry from XXXX XXXXXXXX, Inquiry Info : HARD Inquiry : Finance - XXXX XXXXCredit Inquiry from XXXX, Inquiry Info : HARD Inquiry : Finance - XXXX XXXXCredit Inquiry from XXXX XXXX, Inquiry Info : HARD Inquiry : Banking - XXXX XXXXCredit Inquiry from XXXX , Inquiry Info : HARD Inquiry : Finance XXXX XXXX
Consumer complaint received 2022-07-24
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. (MD)

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 a account without my written instructions
Consumer complaint received 2021-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (FL)

XX/XX/2020 unauthorized inquiries were on my credit report and it is damaging my credit. 
XXXX XXXX XXXX  XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-14
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: BANC OF CALIFORNIA, INC. (CA)

On XX/XX/XXXX I went to a XXXX western ATM to withdraw {$60.00} from my XXXX XXXX account. The ATM took the money from my XXXX XXXX account, but it didn't give me my {$60.00}. It gave me an error message instead. I went to the bank during business hours and they told me they wouldn't give me my money back. I called XXXX XXXX, but my address has changed, so they're going to make me jump through a bunch of hoops, but can't just give me my money back. I didn't receive it even though XXXX XXXX removed the money from my account, stealing from me when I can't afford to loose any money as I live hand to mouth, with limited funds to pay my bills and survive the month.
Consumer complaint received 2020-11-05
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: Experian Information Solutions Inc. (IL)

I submitted several disputes concerning my credit.. The bureaus not complying or following with the law.. They have not gave me my results or investigation results.. I have sent out letters in the concern of my credit issues.. They have not as of yet resolved my matters at hand.. I will like help in getting the matters of credit concern deleted immediately do to the fact that they have not complied or show proof of my investigations..
Consumer complaint received 2018-08-07
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: WELLS FARGO & COMPANY (AZ)

I would like to reopen case # XXXX so I can upload the supporting documents. I talked to an CFPB agent and he advised to reopen in order to attach the supporting documents. 
Attached documents are : 1- The original complaint filed case # XXXX 2- Two Board Certified XXXX stating that the XXXX failed and require to be redone 3- Police report that the clinic press charge on me as a customer in order not to come to the clinic any more meaning they refuse to fix or correct or even followup on my XXXX
Consumer complaint received 2018-05-09
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (NY)

On XX/XX/2018 I sent {$1500.00} worth of a specific cryptocurrency ( XXXX ZIL tokens ) to Coinbase in error. Understandably, Coinbase does not currently support this specific cryptocurrency but it does support Etheruem and the specific cryptocurrency runs on the Etheruem blockchain. I reached out to Coinbase to have the coins sent back to me but I was given a bunch of excuses as to why they can not, the representative I emailed even went as far as to say that my coins were lost. This is 100 % false! The coins were sent to a secure wallet in which only Coinbase has the private key to access, and with this private key Coinbase can actually access these funds at any time. I explained this to the representative and she responded that Coinbase only accesses the private keys under extremely limited circumstances. If it can be done and Coinbase is just simply refusing to do it, they are pretty much stealing and violating lost property laws in NYS and in CA where they do business. The process to send me back my coins that were sent in error would literally with no exaggeration take only one minute if I had the private key to the wallet, but only Coinbase has access to the private key and will not cooperate in sending back the coins to me. I have proof of the coins in the wallet belonging to Coinbase and as well all communication from Coinbase regarding the matter. Hypothetically, if the value of this coin went up to {$1.00}, Coinbase would be sitting on $ XXXX USD equivalence in coins, not to mention all the blogs Ive found online with people in the same situation, just holding on to their assets as well. Return our assets Coinbase!
Consumer complaint received 2021-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Synerprise Consulting Services, Inc. (AZ)

XXXX XXXX of Arizona, by way of their collection agency Synerprise Consulting, is harassing me and damaging my credit by false reporting a delinquency of XXXX USD. I've attempted to dispute this with XXXX twice without a fair and honest resolution. Attached is a schedule of the the original invoice, the credit for out of network, and the payments showing a zero balance. This needs to be corrected immediately.
Consumer complaint received 2018-08-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO. (IN)

Two JPM Chase Private Student Loans remaining on my credit report should be removed immediately. According to my credit report they were opened in XX/XX/XXXX. They were reported delinquent in XX/XX/XXXX. I know they are due off by law in less than 1 year but my family needs my credit restored now.

I disputed the legitimacy of the accounts with XXXX  on XX/XX/XXXX and XX/XX/XXXX. The dispute results are wrong. The dates reported are wrong as well as the payment history. It is my contention that it should have been reported delinquent immediately therefore my XXXX   years have passed. The first 3 months are marked OK as if I made a payment. I never made any payments or agreed to any type of forbearance. Furthermore I can not get ANY information about the accounts from Chase, XXXX, US Dept of Ed, XXXX, XXXX or any other place Ive been directed. Ive spent multiple days on the phone, sending certified letters, etc.

XXXX  mails its dispute results. On Report # XXXX dated for XX/XX/XXXX the phone number XXXX is listed as a number for JPM Chase. XXXX XXXX XXXX   in XXXX, OH is also listed. My certified letter to the XXXX XXXX received no response. All of my contact information including address, phone number and email were listed. I called the XXXX number listed, a sister company representative used my social security number to find my accountNO DATA WAS FOUND.

The link dedicated to student loans on Chases official website says all private loans were sold to XXXX Chase no longer deals in student loans. Again, my loans are now 10 YEARS OLD. Chases customer service literally had nowhere to send my call. This can all be verified easily by visiting the website.

I tried XXXX. They had no record of those two private loans. They directed me to the US DEPT OF EDUCATION. Hold time + phone time was over two hours. The US Dept of Ed has absolutely no record of these loans.

I want them both removed from my credit report immediately. No one can verify the information. No one can give me information. Each party directs me to the other parties. Its a cruel situation. Im a now XXXX  year old married father of XXXX, in career year 8. Im stable now and credit is really holding us back. They give you all the credit you want as an 18-year-old kid with no income and let you hang yourself. I want to be free from these loans that are older than my children.
Consumer complaint received 2023-06-12
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. (IL)

XXXX accounts XXXX XXXX, which in fact is not my account, i asked for original contract with my signature which they can not provide because they sold the debt, so XXXX no longer owns it, and it is closed with the company they sold it to. I contacted that company and they told me the account is closed and they are not reporting what so ever. I have also disputed for validation, never got that, I disputed it for being in charge off every month which is grounds for deletion itself, but instead they reported charge off once and still sent no validation. Multiple violations in accordance with the fair credit reporting act, everything has to be 100 % accurate on my credit report and under 15 US code 1681e ( b ) and these accounts are in violation.
Consumer complaint received 2022-07-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: FinCo Services Inc DBA Current (GA)

Current failed to honor their published offer of {$50.00} referral bonus to the referee and referred. I opened a checking account XX/XX/XXXX and received a {$50.00} referral bonus XX/XX/XXXX after meeting the requirement of receiving a {$200.00} direct deposit XX/XX/XXXX. The same week, I referred my daughter XXXX XXXX XXXX ) and fianc ' ( XXXX XXXX ) and assisted them both with the account set up to ensure my referral link was captured in the application process and their direct deposit requirement were met by XX/XX/XXXX After more than 4 weeks of neither of us receiving the {$50.00} referral bonus, i contacted Current to inquire via chat as they are an online bank, and after providing my referral names and details, I was told by a customer service rep, my account reflected the referrals btu she could not resolve without chatting directly with my 2 referrals to verify direct deposits. I then, while in that chat, had my daughter initiate a chat and spoke with someone who confirmed we were to receive {$50.00} bonus but we needed to give more time for processing. 

About 3 weeks later, after still not receiving bonus, in early XXXX, I contacted Current again and was told that they could not help without speaking to my daughter. Frustrated with their failure to resolve, I requested a member of management and provide name SSN and birthdates of my referrals and it was confirmed the direct deposits were received and an investigation was submitted with someone to respond to me within 48hrs, A couple days later, I received a short message from someone claiming to be a manager advising, contrary to what we'd been told by previous reps, the referral would not be paid because my referral link was not used during their account opening. I knew with all surety this was not true as i was apart of the set up process ... .and to test my theory of their deceitful practices, I then referred one more person ( A. XXXX XXXX XXXX and again assisted her with account set to ensure referral link was used. Her direct deposit was received XX/XX/XXXX and I emailed the responding manager, to advise that I referred a 3rd person and had not received bonus and suggested they investigate a possible system glitch/error. Without soliciting the name or other details for the 3rd referral to verify my assertion, she responded that we were not eligible for the bonus as the referral link was not used. This company is deceitful in their practices and did not honor the {$150.00} due to me for 3 referrals, nor the {$50.00} to each referred. If not resolved, we will all be closing our accounts and referring no one else to this bank.
Consumer complaint received 2023-06-13
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. (AL)

Due to Experian credit report agency refusing to update they system personal information claim I'm late when my XXXX XXXX  account paid in full dropping my credit score instead raise my score this unlawful activity tampering with records proving false information to harm my credit score so I can't apply for credit im file civil action lawsuits against them keep harming me Score
Consumer complaint received 2023-01-23
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. (MI)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX, MI XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXXXXXX Balance : {$510.00} XXXX XXXX XXXX Balance : {$350.00} XXXX XXXXXXXX Balance : {$1200.00} XXXX XXXX XXXXXXXX Balance : {$510.00} XXXX XXXX Balance : {$480.00} XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$500.00} XXXX XXXX  ( Original Creditor : XXXX ) XXXX XXXX : {$720.00} ( Original Creditor : XXXX XXXX XXXXXXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021
Consumer complaint received 2022-06-20
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. (GA)

In accordance with the Fair Credit Reporting Act XX/XX/XXXX Account name :XX/XX/XXXX XX/XX/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 a account without my written instructions
Consumer complaint received 2022-06-20
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: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : - XX/XX/XXXX XXXX BANK NA XX/XX/XXXX -XX/XX/XXXX XXXX XX/XX/XXXX - XXXX XXXX XXXX XX/XX/XXXX - XX/XX/XXXXXX/XX/XXXX - XXXX XXXX XXXX XX/XX/XXXX NEGATIVE ACCOUNTS : -XX/XX/XXXX Account # :XX/XX/XXXX**** - XX/XX/XXXX Account # XXXX - XX/XX/XXXXAccount # XXXX - XX/XX/XXXX Account # XXXX - XX/XX/XXXX Account # XXXX 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.