davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-06
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: PNC Bank N.A. (NJ)

XXXX has alerted me that PNC bank is no longer working with XXXX. This is extremely inconvenient and I will highly consider switching to a different bank. As a XXXX  in XXXX  school I use XXXX to pay my rent, buy textbooks, send money to my XXXX  cohort for programs etc. What is already a difficult time in America, you have intensified it. XXXX was great because you did not need to meet in person to exchange cash or go to a bank and risk the chance of catching Covid-19. Your actions as a bank are confusing. Please get your bank back on the XXXX platform.
Consumer complaint received 2019-04-17
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: AMERICAN EXPRESS COMPANY (NY)

On XX/XX/XXXX I opened an online savings account with American Express National Bank. I linked it to one of my checking accounts at XXXX XXXX XXXX and submitted a XXXX $ transfer from XXXX XXXX to American Express. 

The next day XX/XX/XXXX I verified the trial deposit that American Express made and the transfer was initiated. After about a week I made another XXXX $ transfer from my checking account at XXXX XXXX to American Express. 

A few days after the second transfer I checked online and both transfers had been debited to my checking account at XXXX XXXX and the XXXX $ balance was now available at american express. 

On XX/XX/XXXX I opened a statement from American Express dated XX/XX/XXXX and I noticed that the two transfers had cleared on XX/XX/XXXX and XX/XX/XXXX and that on XX/XX/XXXX there was a " Miscellaneous Withdrawal '' debit of XXXX $ and an ending balance of zero. 

Note that from XX/XX/XXXX until XX/XX/XXXX I was not contacted by American Express by mail, email or mobile phone number. 

On XX/XX/XXXX I called American Express and I asked what was going on. I was advised that my account had been closed. They didn't tell me the reason ( which I am fine with because I understand that they have the right to do so ) and they claimed that they didn't have to even notify me. 

I requested that they transfer back the money to XXXX XXXX or send me a check and they refused to do so, telling me to contact XXXX XXXX. 

On XX/XX/XXXX I then set up a conference call with the two banks. Then American Express asked XXXX XXXX to attempt to reverse the charge as if it were unauthorized. 
This is problematic because the charges WERE authorized by me and cleared properly from my bank. 

This is an outrageous behavior from a regulated bank. I don't contest their right to close my account but their refusal to refund me promptly my balance AND the accrued interest.
Consumer complaint received 2022-03-09
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. (WV)

In accordance with the fair credit reporting act Accounts ( XXXX XXXX XXXX. original account XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX, and 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 an account without my written instructions
Consumer complaint received 2019-04-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (CA)

On XX/XX/XXXX, I deposited {$260.00} cash in an ATM machine at Citibank on XXXX XXXX, XXXX XXXX, CA. The machine ejected {$40.00} and then stated it could not complete the transaction and that I could get the rest of my money back ( {$220.00} ). 

I talked with a manager named XXXX who said that Citibank would open a case and review the situaton. I asked for the {$220.00} to be returned to me and she said the bank could not do that. She also said that the review would take 5 - 7 business days. She also said she would contact later that day with an upate. 

It is now 8 business days since the transaction occurred and neither the manager, nor anyone else from Citibank has contacted me. And I am still missing {$220.00} from my account. 

I think it is very unfair that, because of an issue created by Citibank, I am made to feel like I am not to be trusted and I am still waiting for a legitimate deposit to be verified. Even now, if the money was placed in my account, I am still upset it has taken this long.
Consumer complaint received 2023-10-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (OH)

My phone and wallet were stolen at a restaurant. My cards were all used to charge cryptocurrency purchases through my XXXX XXXX on my phone. These cards were associated with XXXX XXXX, XXXX and Chime. XXXX XXXX and XXXX were excellent in recovering the stolen funds. Chime will not even investigate. They are immediately denying the claims and only providing the transcript of a questionnaire the customer service agent went over with me on the phone. I provided Chime with a police report and letters of determination in my favor from XXXX XXXX and XXXX. They will not even look at these. They will not even attempt to charge back the transactions. And I got frustrated with them and they threatened to take action against my account. Please help me take action against Chime to recover my funds.
Consumer complaint received 2019-02-06
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (FL)

Im behind on payments I asked to pay the amount to reinstate the account and they state they wont until I pay there fees and all the payments they request they wont help a customer with there fees and on top of it they prefer for customers to loos their homes.
Consumer complaint received 2023-06-29
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: CADENCE BANK (TX)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2020-12-17
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. (TX)

demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 
FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. CHAPTER XXXX BANKRUPTCY- Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX XXXX Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX XXXX Account # XXXX XXXX Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. XXXX  XXXX XXXX  XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
5. XXXX - Account # XXXX XXXX Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
6. XXXX - Account # XXXX XXXX Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
7. XXXX XXXX - Account # XXXX  ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
8. XXXX  - Account # XXXX XXXX Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX  on XX/XX/XXXX XXXX Reported Identity Theft ) 2. XXXX XXXX  on XX/XX/XXXX 3. XXXX on XX/XX/XXXX 4. XXXX  on XX/XX/XXXX 5. XXXX on XX/XX/XXXX 6. US SM BUS ADMIN ODA on XX/XX/XXXX 7. XXXX  on XX/XX/XXXX
Consumer complaint received 2019-04-17
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: AMERICAN EXPRESS COMPANY (MA)

SENT IN A PAYMENT ON MY AMERICAN EXPRESS INSTALLMENT # XXXX LOAN AND AMERICAN EXPRESS POSTED MY PAYMENT XX/XX/2019 WHAT WAS DESIGNATED AS THE XX/XX/XXXX PAYMENT .AMERICAN EXPRESS DID NOT ADVANCE DUE DATE TO XX/XX/XXXX.THEY TOOK MY PAYMENT AND DID NOT ADVANCE THE DUE DATE ALSO I HAVE REQUESTED IN THE PAST FOR AMERICAN EXPRESS TO PROVIDE MONTHLY STATEMENTS BY MAIL AND THEY HAVE NOT COMPLIED
Consumer complaint received 2019-04-17
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. (AZ)

In XXXX of XXXX upon moving from XXXX  to XXXX, I was told by my bank, XXXX XXXX XXXX XXXX, that I would be able to conduct banking at a large number of credit unions and would not need to close my account. Once I arrived in XXXX  and tried to make a deposit, I was told that I was not approved to make deposits out of state. This resulted in my account becoming overdrawn and I had no way to bring the account up-to-date unless I traveled to XXXX, which was not possible at the time. 

So, the checking account went to collections. In XXXX of XXXX, the bank finally decided I could mail a check to an address in XXXX  to clear the account. So, I did so and received a letter back from the bank showing it was paid in full. 

However, the account was and is still showing twice on my credit reports. Both entries show the same account number. However, one shows when my account was actually opened in XXXX and the other shows an account was opened in XXXX ( 16 years before I was even born ). I've tried multiple times to get them to remove the second entry and have disputed it with the credit bureaus several times. 

On my latest dispute, the bank reported to Equifax on XX/XX/XXXX that this account now reported a late payment in XX/XX/XXXX. How could I have late payments on a checking account that was paid in full in XX/XX/XXXX and has been closed since XXXX? How can payments even be made on a checking account? All of the reported data is incorrect. The two entries on the credit report even show the same account number being opened on different dates. 

I have been fighting to have this removed for nearly six years now. I can provide the paid in full letter as well as show the incorrect credit report as of XX/XX/XXXX.
Consumer complaint received 2019-04-17
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: SUNTRUST BANKS, INC. (FL)

I had an bank account with Suntrust bank for over 20 yrs. i went to use my debit card and it was declined i called bank to find out they closed my account and i would be receiving a letter in the mail. I had over 12k in my bank at the time of closure.After receiving the letter it stated i would receive my funds with in 30 days of the letter sent. Total fraud ...
Consumer complaint received 2023-01-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc (CA)

On XXXX XXXX I called to file a fraudulent claim unauthorized. Chime said I have to wait XXXX I called back on XXXX and they then filed the claim wrong I called on XXXX to get an update and I was informed that the claim had the wrong category. Chime said they will update the category and I would receive credit in XXXX. I called in the XXXX and they closed my dispute. I did not request this, they said well you have to wait XXXX they are giving me the run around. They denying me of filing new claim the correct way. 
XXXX complaint number XXXX XXXX hung up on me XXXX XXXX XXXX XXXX XXXX dept XXXX XXXX supervisor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX up on me XXXX XXXX XXXX XXXX disputes XXXX XXXX XXXX XXXX supervisor XXXX  dispute XXXX disputes XXXX disputes XXXX-supervisor How can your complaint be satisfactorily addressed? 
I want my funds immediately or I will pursue legal Action
Consumer complaint received 2021-02-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (NV)

On XX/XX/2021 Capital One and XXXX from Customer Protection froze my account with {$93000.00}. Over an apparent mistake fraud claim by ONE XXXX  payment, which has since been resolved. Furthermore, accounts held by white/caucasian have been able to remain open with multiple fraud claims, but me being a minority has made me a target during a global pandemic for unfair lending and banking practices. The hold times to speak to someone are upwards of 1-2 hours.
Consumer complaint received 2023-10-25
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAVALRY INVESTMENTS, LLC (PA)

A debt collector sends a us mail letter dates from XXXX or XX/XX/XXXX through XXXX XXXX. We have been corresponding back and forth several times via us mail about getting debt validation and verfication done. I can not see alleged debt is mine unless they can verify the correct amount. This can only be proved by a statement or copy of record of my last payment towards this debt. History prior : The bank I was paying was using a third party collector and sending the money to the bank. In XX/XX/XXXX, this servicer abruptly told be that they terminated all accounts with bank, and no records could I see. The account was gone I was told. All accounts involving my bank, not just mine. 3 months later, bank sends me a letter saying that they sold the debt to the current debt collector who has no knowledge of my payments or how far or how little it was paid off. all they have is the present balance which was given to them by old bank when they bought it amounts alleged approx {$2000.00} The debt collector has sent 3 times a package of statements from original creditor bank with dates through XXXX but no records from XXXX the amount claimed is not found on those it was a higher original balance and no record of payments after XXXX. Therefore debt collector must cease all collection activites, since they are in violation of federal code ck
Consumer complaint received 2024-03-02
Product: Credit reporting 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 resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and 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 the blocking of the erroneous information that is being posted to my report. 
Here is the list of accounts/items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2023-07-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXXXXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$11000.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXX Balance : {$170.00} ; XXXX XXXX XXXX Balance : {$18000.00} ; XXXX.
Consumer complaint received 2020-12-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NM)

Every time Equifax sees new information they dock my credit score 4-28 points. Today they said one of my accounts increased by XXXX and docked me 4 points. That XXXX was XXXX XXXX yearly fee and I paid it the minute I saw it. I have taken a picture to prove it. Those 4 points can keep me from buying a home. They never check into anything they just assume. Its ridiculous and something needs to be done about it.
Consumer complaint received 2024-03-02
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

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. 
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 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.

This company told the CFPB that they followed procedures an provided correct information which was not proof of verification and validation the account they only mailed me a copy of a credit card bill that supposedly had my name on it. They did not showed me any documents were I signed a contract or made any business arrangements with them which is another violation of the FCRA laws. 
Down below are the documents they mailed me and me also showing how they reporting inaccurate inaccurate on my credit file which is damaging my credit and my life.
Consumer complaint received 2024-03-02
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. (MO)

By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file.XXXX XXXXXXXX XXXX Balance {$6.00} XXXX XXXX Balance {$26000.00}
Consumer complaint received 2023-01-04
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. (MI)

In accordance with the Fair Credit Reporting Act XXXX  accounts XXXX XXXX XXXX # XXXX & XXXX XXXXXXXX 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. States a consumer reporting agency can not furnish any account without my written instructions. I have tried to reach this company numerous times concerning this issue, however I was not successful. This account has caused great damage to my credit report. Assistance is advised.
Consumer complaint received 2023-07-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the listed account which I believe appears to be inaccurate and incomplete be immediately investigated and corrected on my credit file XXXX XXXX Account Balance : {$32000.00}.
Consumer complaint received 2021-05-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

Portfolio Recovery is reporting a debt on my credit file that I do not owe. I recently took a look at my credit and noticed this account is still reporting. I have consulted with the Attorney General of California and know that this debt is past the statute of limitation in California. You can not enforce, collect or sue for this debt making it invalid. Reporting invalidated information on credit can constitute fraud under both federal and state laws. I ask that you remove this immediately.
Consumer complaint received 2019-01-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (NJ)

On XX/XX/XXXX, I applied and was approved for two Chase credit cards. My applications were approximately seven hours apart. On XX/XX/XXXX, I received my first credit card in the mail, a Chase XXXX XXXX, and I also received a notice by letter that my second account, a Chase Freedom Unlimited card that was approved and opened for four days, was closed for two reasons : 1. Too many accounts opened recently. 
2. Sufficient credit available with Chase. 

Having the account closed by Chase after being approved and opened is underhanded at best, and it negatively affects my credit rating through no fault of my own. If the rules were in place prior to approval then my application for the second card should have been declined. My credit record is something that I manage closely. I did not randomly apply for two different cards. I specifically applied for two cards because they offer different and complimentary reward structures.