davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-03
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc (IL)

I would like Chime to finally just mail me a paper check to my mailing address and close my bank account. I am a XXXX XXXX XXXX XXXX whom is in recovery from a XXXX that I sustained In the month of XX/XX/2022 and Chime has suspended my account. I have no access to money. I am not able to pay my medical bills, pay for medication or for food on my own because of Chime will not give me access to my retirement money. On XX/XX/2022, I opened an account with Chime Financial Services. I began receiving my Social Security XXXX payments to the account on XX/XX/2022 ( The first deposit from XXXX was made to my account on XX/XX/2022 ; the second was on XX/XX/2022 ). I filed back taxes in XXXX and received a refund deposited into the account on XXXX. I have an additional one en route. On XX/XX/2022, I learned that Chime had suspended my bank account. Since then, I have sent them XXXX separate emails pleading with them to open my account back up. I have sent them my personal documentation and information and they still have refused to open it. Because of my XXXX, my speech and short-term memory lapse after long periods of time and conversations, so my daughter has been aiding me along the process of communicating with Chime via email. She has also been on the phone with me as we have placed 11+ conference calls to Chime customer service to have this issue resolved. Please, Please help me get my money back. This stress has been delaying the physical therapy care that I've been receiving after my XXXX and the bills that I have been paying. My children have been helping me over the last month in paying some of my bills but this is NOT sustainable.
Consumer complaint received 2022-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Please take notice of my intent to sue. In previous months, I requested the removal of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or response which I classify as frivolous, you have dishonored FCRA regulations and my request for verification. If you wish to correct this dishonor, I will give you one more chance to correct your errors and update my records. Please CORRECT the items, which you have failed to provide proper verification and another bureau has found to be inaccurate. You have 30 days to correct the items listed below : XXXX XXXX Date XXXX Balance : {$2400.00}, XXXX XXXX Date XXXX Balance : {$9700.00}
Consumer complaint received 2020-08-03
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Movement Mortgage LLC (NJ)

On XX/XX/2020 I received a delinquent tax notification from my township. After calling my township, I am told that my mortgage company ( MOVEMENT MORTGAGE ) never paid Quarter 2 taxes. I emailed the delinquent notice to Movement Mortgage ( received a receipt via email ), called Movement Mortgage and spoke to representatives on : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Each representative either reported a payment will be wired on XX/XX/XXXX ( never happened ) or we are looking into that. 

At this point, my taxes for two quarters have not been paid. My mortgage payments have been made on time and my escrow account has enough money to cover the taxes. 

There are also penalties that I should not be responsible for paying. 

I appreciate assistance in this matter.
Consumer complaint received 2023-01-04
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. (NC)

I value you setting aside some margin to FIX a portion of the data in my credit document ; not withstanding, there are still a many items to be updated. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these items ( 1 ). ( A ). 

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 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
Consumer complaint received 2023-01-03
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

A friend who lives at a previous address of mine received a statement from Bank of America for an account I did not open. He sent it to me and I contacted Bank of America to close the account. It had no activity but it had maintenance fees. 

Bank of America told me the account was opened in XXXX of 2021 but has refused to provide any additional information. Bank of America has canceled the maintenance fees. 

I would like to know what mailing address ( es ) email address ( es ) and other contact info was associated with the account and how/where it was opened in order to help protect myself from future fraud. This is especially important if any of the information belongs to someone I know. 

I believe Bank of America is refusing to share this information because they opened the account to charge me fees. 

I have twice requested confirmation that the account has been closed and fees waived and all I have received is a generic email about protecting yourself from fraud. 

After a second call with customer service they told me my request has been received and I would get a response after XXXX business days. 

I receive frequent correspondence from Bank of America regarding an employee credit card and a business checking account I am on. I have never received any correspondence regarding this account.
Consumer complaint received 2022-08-18
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 have submitted disputes to you and I didn't get a response within 30 days and ya 'll are required by law to do so. Please investigate my disputes, please. Thank you.
Consumer complaint received 2024-04-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (FL)

I opened a Checking and saving account with Citi a few months ago Ive literally have had XXXX transactions or less XXXX a wire from my boyfriend for XXXX and the one that apparently caused them to close my account he wired me $ XXXX {$7600.00} they didnt even tell me it was closed I had to I was trying to check my account check the balance and I could not login so I called them and they said that I know I dont have an account with them that I that they reviewed my account and they close my account and I said why because I got a wire for XXXX isnt that what bank account is for to put money in it they did that everything was legitimate so I dont know how they just close my account because I got a wire so now they sent me a letter that they close my account which is not true. They already close it that same day and have not returned my funds to me. Apparently, XXXX not the only one that this is happened to you. I went on the Internet and theyve done this to quite a bit of people and thats not fair. I dont know how theyre still in business or how anybody has not done anything about it.
Consumer complaint received 2023-01-04
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. (MD)

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 accounts 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 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 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 2022-08-18
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: EQUIFAX, INC. (TX)

I have submitted disputes to you and I didn't get a response within 30 days and ya 'll are required by law to do so. Please investigate my disputes, please. Thank you.
Consumer complaint received 2022-08-18
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. (NY)

information on my credit report. However, your company failed to delete accounts that are unverifiable and unrelated to any of my addresses, so how are these accounts verified? You did not successfully remove and delete the disputed items. I'll say it again : the Fair Credit Reporting Act requires you to follow the law.
Consumer complaint received 2020-08-03
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: JPMORGAN CHASE & CO. (NY)

I had purchased medicine that's apparently originating from XXXX and it's counterfeit. The package arrived clearly was tampered with and the medicine is a clearly counterfeit version from some unknown manufacturer in XXXX. I've tried to return the medicine but the company will not accept it stating its due to Corona virus fears. 


I had called Chase in XX/XX/2020 to request a refund and the representative has accepted my claim stating that I will need to fill out a letter which will come in the mail. Few weeks later, after the letter never came, I called again and was told that Chase will send out another letter which I should fill out and return. 

Then I called again in XX/XX/202 and another rep has finally informed that the letter is available online in my portal for the bank and that I should download it and return and hopefully they can accept the claim since it's been over 90 days but I'm not sure. I'm hoping you guys could help me to make sure this claim is accepted. Thank you, XXXX XXXX
Consumer complaint received 2023-01-23
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. (FL)

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 U.S.C 1681. 

XX/XX/XXXX
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 — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

XXXX XXXX XXXX. Bought a car voluntary surrendered. Recieved balance after the surrender. Paid it off. XXXX XXXX  refuses to fix on credit report as paid stays shows in repossession still on credit report does say balance XXXX. Was agreed when paid they would remove it completely off credit. Have disputed it 6 times in the last few years.
Consumer complaint received 2022-08-18
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (CA)

On XX/XX/XXXX, I got a message on instagram from a guy who was offering to be my " XXXX XXXX ''. At first I was hesitant until he sent me a check of {$1900.00}. He had asked me to send money to a " friend '' of his who was helping out in an orphanage. He had asked me to send {$1400.00}. On Friday, XX/XX/XXXX I sent {$400.00} to the " friend '' because I fell for the scam. On Saturday, XX/XX/XXXX I made the next transaction of {$500.00}. On Sunday, XX/XX/XXXX I sent another {$500.00}. I thought nothing of it at this point because I was sending his money. After I sent that last bit I confronted him about it and he played it off. He asked me to send more money and I told him no so he got mad. Today, XX/XX/XXXX, I saw he withdraw-led the check he had sent me. I still have the pictures of the check. I also have the name and the phone number of the person he had me sent it to. I made these transactions through Zelle. I read through their " most asked questions '' and they would not give my money back.
Consumer complaint received 2020-08-03
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. (GA)

There are two accounts from XXXX XXXX XXXX XXXX that are reporting on my credit profile that I know aren't mine. XXXX and XXXX removed the accounts because the found the accounts to be invalid, I tried to do the same for Experian but they are still reporting the accounts on my profile. I sent a letter to them certified mail requesting they review my profile on XX/XX/2020 and to this day I have not received not one single update. It's been over 30 days and not one update on this account being removed. I have the certified letter receipt to show that they received and signed off they received my letter on XX/XX/2020.
Consumer complaint received 2023-01-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2024-03-08
Product: Credit 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: CAPITAL ONE FINANCIAL CORPORATION (CT)

I had filed a fraud claim as my purse with my phone, wallett and cards were in it. I was dealing with a potentially life threatening medical issues and was hospitalized so i was not within a timely manner they are claiming, but i have been making reports for this and they are telling me they can not do anything to help me with my fraud case. I have all my medical records and i need help with this disputes as I did not make the charges. Please help me with this
Consumer complaint received 2023-01-03
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)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2022-08-18
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. (NY)

I have disputed several accounts on the report. The investigation did not provide the evidence I demanded. A new reinvestigation was facilitated and still did not provide the evidence I demanded. This company if fraudulently reporting accounts on my report per violation of 15 USC. 1681 a ( 3 ) without my authorization. Have taken no responsibility per 15 USC 1681 a ( 4 ) and further violations under 15 USC 1681 b ( 2 ) while they did not have my permission or instruction to do so. Further violations under 15 USC ( a0 for privacy violations and further, 15 USC 1681 9a ) 2 ( b ) demand for removal while these accounts have not been verified after the reinvestigation.! 5 USC states under ( a ) ( 4 ) that they must be removed. They are not being practical, providing information and while informing them of the law they blatantly violate the terms and conditions of my consumer rights. Further violations for statute of limitations on credit reporting for CPLR 202
Consumer complaint received 2019-02-06
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Stenger & Stenger, P.C (GA)

I have tried to contact a company attempting to collect a debt which is not being verified/investigated as per my request with FDCPA compliance. The collection/debt buyer is XXXX XXXX XXXX. I have submitted requests to the Credit Reporting Agencies and the creditor has yet to comply and repeatedly sends my invoices from their company as proof of validation. Yet this is not what I asked for and that proves nothing other than they have my name on a file. 

I received notification from pressure tactics ranging from letters from other debt collectors working for XXXX under the name Stenger & Stenger P.C. also identified as debt collectors, also telling me I can challenge the validity of the debt. When I do, the company does not comply. 

I am asking the CFPB to help mediate the matter and force the original investigation with the above noted company so that actual compliance can be wrought.
Consumer complaint received 2023-01-03
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. (CA)

I am a victim of identity theft. Upon applying for a student loan in XX/XX/XXXX, I was denied due to a negative item on my credit report. I was not aware of any negative items on my report. I checked my credit report, and it showed an account for a credit card for XXXX XXXX issued by XXXX. I never applied for a XXXX  card. I never authorized anyone to apply for a XXXX credit card. The address XXXX lists on this account is an address I have not lived at since XXXX. I don't know who opened the card and stole my identity. I followed all instructions listed on Federal trade commission website and filed an identity theft report and police report. All required information was sent to XXXX XXXX XXXX XXXX on 3 different occasions. I also filed a dispute with each credit reporting agency. XXXX ignores my dispute and identity theft / police report. They keep certifying the debt as accurate to Experian. XXXX and XXXX have both removed the account from their credit reporting per the FCRA. Furthermore, XXXX XXXX XXXX XXXX has now turned this fraudulent account over to a collection agency called XXXX XXXX based out of XXXX XXXX, XXXX. This account is identity theft and identity theft report and police reports have been filed. This account needs removed from my credit report and removed from the third-party collection agency per the FCRA.
Consumer complaint received 2022-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: CITIBANK, N.A. (CA)

XXXX XXXX accounts with Citibank. 
XXXX Address XXXX Home address XXXX XXXX XXXX, XXXX XXXX XXXX CA XXXX I just received the attached letter from Citibank XXXX This shows they disclose my personal data and despite my request, there is nothing I can do about it.
Consumer complaint received 2024-03-08
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)

My wallet was lost XXXX, I filed. police report and notify the credit bureau .There were account added to my credit report that is fraudulent. I immediately notify the credit bureau about this account to get this investigation. These accounts has been investigated multiple times. I am very upset XXXX XXXX XXXX never had a account with this company.