davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-06-28
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. (FL)

i have send numerous letters to XXXX, all letter go with : 1.-copy of  credit report with highlighted errors 2.- Dispute letter indicating all errors and demand to remove them 3.-Proper Identification, copy of DL, Voters ID, SS card this has been going on for the past 8, months and still is a night mare to get them to remove them, they send letters saying i didn't send proper ID, which is a lie or simply refused to investigate and remove just recently as yesterday my score drop 40 points and a loans i was doing got deny, here are errors which they refused to removed : Personal Statement Statements Personal Statement ( s ) XXXX & XX/XX/XXXX XXXX ID SECURITY ALERT : FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST VERIFYING THE IDENTITY OF THE APPLICANT. I CAN BE REACHED AT XXXX. THIS SECURITY ALERT WILL BE MAINTAINED FOR 1 YEAR BEGINNING XX/XX/XXXX. ( i ask for this i send 2 letters and even call and ask to removed Inquires 1.-XXXX XX/XX/XXXX XX/XX/XXXX Personal Loan Companies XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXX XXXX XXXX 2.-XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XXXX XXXX XXXX XXXX, IA XXXX ( XXXX ) XXXX 3.-XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX All Banks - non  specific XXXX XXXX XXXX XXXX XXXX, AZ XXXX ( XXXX ) XXXX these inquires were not authorized by me, they dont have a signature, i never requested any credit by any of them
Consumer complaint received 2021-11-10
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Bank of America I have left repetative messages today, throughout the day. Give a number : By a XXXX, to reach XXXX XXXX XXXX, ext XXXX Mountain central time : XXXX MCT. No one answers ever. goes into a general mail center. I have left my number each time? tells mt, XXXX must make contact before XX/XX/XXXX I believe he said to speak with this XXXX XXXX I am trying but I have appointments as well, MD check ups etc .... I am trying so hard. Tells me they are a debt collection service on message? This is a LOST card. I have been making pays on the {$1500.00} cash withdrawn when I had the card XX/XX/XXXX. ever since plus intrest. of {$75.00}? I believe they had said a XXXX time charge.? never really explained. I made a payment that has already cleared today of another {$85.00}. 


I need some help with these people. Please
Consumer complaint received 2023-01-03
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: DISCOVER BANK (IL)

I use my XXXX  in XXXX on a Car service but canceled the car before the XXXX time to cancel and I had the proof of that but the XXXX company says only the company that changed my XXXX can take the charge big of my XXXX when I have the paperwork to prove I canceled the service way ahead of time. The problem is the car service makes you go into their own website to make changes to car pick up dates then saying you never sent the change and wont show you the actual internal company email page you submitted the change on but just what ever they want to show you from what ever they want to show you but not the actual internal email you sent to them.
Consumer complaint received 2021-11-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: PNC Bank N.A. (AR)

I am writing to delete the following information in my credit profile the item I need deleted are listed in the report I'm a victim in identity theft and did not make the charge. I ask that the item be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission I also have enclosed copies of Federal Trade identity theft affidavit. I will appreciate if you delete it as soon as possible as it is hindering me from trying to advance the events in my lifestyle to provide a better life for my family.
Consumer complaint received 2019-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

After all the recent media Ive been seeing about hacks of millions of Americans information. I received a copy of my credit report and noticed several accounts that were not mine, and reporting inaccurately to the credit bureaus I filed a police report to notify authorities. So far no actions have been taking by any of the credit bureaus. 

Company : XXXX XXXX Account # : XXXXXXXX  Date Open:XX/XX/XXXX Balance : {$7300.00} Company : XXXX XXXX XXXX  XXXX Account XXXX : XXXXXXXX Date Open:XX/XX/XXXX Balance : {$2300.00} Company : XXXX XXXX XXXX  XXXX Account # : XXXXXXXX Date Open:XX/XX/XXXX Balance : {$13000.00} Company : XXXX XXXX XXXX Account # :XXXXXXXX Date Open:XX/XX/XXXX Balance : {$4000.00} Company : XXXX XXXX XXXX XXXX Account # :XXXXXXXX   Date Open:XXXX Balance : {$1100.00} Company : XXXX/XXXX XXXX Account # :601918XXXX Date Open:XX/XX/XXXX Balance : {$6100.00} Company : XXXX   XXXX Account # :XXXXXXXX Date Open:XX/XX/XXXX Balance : {$1100.00}
Consumer complaint received 2024-03-26
Product: Credit 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: CITIBANK, N.A. (CA)

XX/XX/XXXX Dear Consumer Financial Protection Bureau, On Saturday, XX/XX/XXXX, I tried to pay for a new phone with my Citi Simplicity card, but it was denied, so I tried to use my Citi Advantage ( XXXX XXXX ) card, but that card was denied, too. I immediately called Citibank and was informed that my credit limit on both cards combined had decreased by XXXX XXXX. As a result, my Citi Simplicity card went from XXXX XXXX used credit to XXXX XXXX used credit, and my Citi Advantage card went from XXXX XXXX used credit to XXXX XXXX used credit. Citibank has destroyed my hard-earned credit! I consider this predatory, unlawful activity, especially since I am a responsible consumer. Citibank did not even call me to inform me about this. 

Also, I have had XXXX Citi credit cards for a long time, and I have paid my bills on time. Citibank has no reason to do this. It is baffling, deceitful, and financially abusive. If I wasnt a responsible consumer, why would Citibank give me a total of {$37000.00} in credit and a home loan of {$400000.00} ( XXXX )? In summary, between the XXXX cards mentioned earlier, my credit limit dropped from {$27000.00} to {$12000.00}. 

Important Note - Just prior to my XXXX Citibank card limits being decreased, I made my first HELOC Home Modification trial payment ( XX/XX/XXXX ) with Citi Mortgages Servicer, XXXX. I have the legal right to apply for a home modification which has nothing to do with my consumer credit cards. Citibank retaliated against me just because I applied for a HELOC Home Modification. Did Citibank also retaliate because I transferred a large balance from one of my Citibank cards to a 0 % interest card ( promotion ) from XXXX XXXX XXXX on XX/XX/XXXX? 

Here are the figures of my dispute : Before XX/XX/XXXX XX/XX/XXXX Citi Simplicity Citi Simplicity Credit Limit {$13000.00} Credit Limit {$7100.00} Balance {$6700.00} Balance {$6700.00} Available Credit {$6700.00} Available Credit {$360.00} Percentage Used XXXX XXXX Percentage Used XXXX XXXX Citi Advantage Card Citi Advantage Card Credit Limit {$13000.00} Credit Limit {$5100.00} Balance {$4800.00} Balance {$4800.00} Available Credit {$8600.00} Available Credit {$280.00} Percentage Used XXXX XXXX  Percentage Used XXXX XXXX In reviewing another credit card account I have with Citibank ( Shop Your Way Sears Mastercard ), I just learned that Citibank decreased my limit from {$6000.00} to XXXX in XXXX of XXXX. The reason ( over the phone ) was that I had a XXXX balance for too long. In other words, this warrants punishment. My fourth Citibank credit card account, also a XXXX balance, is with Best Buy. Thus far, this credit limit of {$4000.00} has not been decreased. I find it hard to fathom being treated this way when I have given Citibank a ton of my business, including my home mortgage. This is ridiculous! 

Please call me to discuss, XXXX XXXX XXXX : ( XXXX ) XXXX Address : XXXX XXXX XXXX XXXXXXXX, CA XXXX
Consumer complaint received 2023-03-18
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

On XX/XX/2023 I received an e-check from a party who signed me up as his employee. The name of the company was XXXX. He issued me a check for {$4800.00} to but the equipment. 
I checked online the routing number given on the check was from Bank of America Illinois. I can verify only that information. He told me to print the e-check and endorse it and using BOA mobile bank app deposit it. On XX/XX/2023 using my mobile app of BOA on my smart phone I deposited the check. I received an email from BOA that the funds will be available by the next day. On XX/XX/2023 in the morning it showed me that check is cleared and fund is available as clear amount. It increased my bank balance by {$4800.00}. I checked the status of the check using online banking it showed by " Cleared ''. I have screenshot of that. 
Then as my employer requested to transfer the funds using BOA XXXX app to purchase the laptop to his trusted vendors. I made XXXX transfer of {$1000.00} using XXXX. But I suspected a scam victim so I contacted Bank of America and they told usually check takes XXXX days to process. Then I asked them to stop the transatcions. 

On XX/XX/2023 Bank of America returned the check reporting it as counterfeit. They reversed the transaction. But to this my account is in red. 
The balance in my account before check deposit was {$1900.00} but now the question is when I was not having the money in my account then how the transfer took place? 
Now my bank account balance is in red {$1000.00}. 

Due to the false reporting of the Bank of America XXXX XXXX in loss of {$3000.00}. They first reported that check is clear and they increased my balance whereas the check was in processing state and the funds were not available. 

When I deposit a check in bank I never asked for a credit balance. Yes there is federal law that requires the funds to be available quickly when a check is deposited but that does not mean banks will report false. 

Clearly this is a mistake on Bank of America part. They never processed my check but reported as cleared and increased my bank balance. Then three days later they reversed the transaction. 

The case is already reported to my local police station, IC3 website of FBI and my state atorney General office and now with you.
Consumer complaint received 2023-03-18
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A. (HI)

Citibank XXXX XXXX account inactivated my account for inactivity even though the account is funded on a weekly basis. No help calling and there is not a branch near me to go in. 

A letter must be written to get access to my funds. Im buying a house and need the money very soon. Extremely disappointed. Please be aware they may inactivate your account and you cant get your money out. Be aware especially if you dont live close to a branch.
Consumer complaint received 2024-03-11
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: EQUIFAX, INC. (MS)

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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-12-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

This is my 5th request to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2018-02-24
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. (TX)

We went to a XXXX restaurant called XXXX located at XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX, TX XXXX on XX/XX/2018 because they ran a 50 % off deal on XXXX. But when we were ready to pay with the XXXX, XXXXXXXX XXXX manager, XXXX, told us the deal was fake and they would not honor it. We asked the manager who would run a deal for your restaurant on XXXX other than yourselves. XXXX did not answer my question and insisted we must pay full price. 

After we paid the bill in full, we contacted XXXX about the restaurant claimed XXXX ran a fake deal for the restaurant. XXXX assured us that XXXX had no incentives to run fake deals for any company. And in fact a merchant must contact XXXX first before XXXX would run a deal for them and get commissions. 

So at this point it was clear that XXXX ran a scam to get people into their restaurant thinking they would get 50 % off the bill but XXXX had no intention to honor the deal. Then I disputed this charge on my credit card which was issued by JP Morgan Chase because I did not receive goods or services as agreed. 

JP Morgan Chase completely ignored the problem XXXX ran a scam and insisted I must pay XXXX because XXXX provided service. I tried to explain the situation that XXXX ran a deal on XXXX but had no intention of honoring the deal to JP Morgan Chase 's representative. But my words were fell on deaf ears because the representative kept repeating " I understand but you need to pay the merchant. '' The representative had no understanding of Consumer Credit Protection Laws. 

My wife also complaint about this on XXXXXXXX XXXX XXXX page and XXXX 's response was " I'm very sorry for this situation. We talked to XXXX about a deal but decided not to run it. However there was a miscommunication and it was posted. This was our mistake. '' So I forwarded XXXX 's response to JP Morgan Chase as proof that XXXX did not run fake deals and proved the point XXXX did contact XXXX to run a deal. But JP Morgan Chase did not care and still asked me to pay full amount.
Consumer complaint received 2018-04-27
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: TCF NATIONAL BANK (NY)

XXXX XXXX XXXX XXXX XXXX is an abusive and illegal company with untrained reps. They have charged me an interest rate of 17.99 % which is above the 16 % usury law of NY. They have applied 90 % of my payments to interest. after over {$7000.00} in payments, the principle is lowered less than {$1000.00}. When im late, they spam my phone with calls from several different numbers harassing me, family and friends. They even paid me {$1000.00} hush money when i threatened to sue because they threatened me, to have me arrested and steal my car if i didnt pay them before they hung up. Their staff is a bunch of liars who promise of you make a payment itll be applied one way, and apply it completely different.
Consumer complaint received 2022-12-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL (FL)

Today i was denied for a credit card. I also have no credit because ive never opened one.

i checked my credit history and seen 3 unauthorized accounts under my name.

Ive been receiving all type of mail from probably more than 5 different credit unions.

over the past year ive have been kicked out of two banks unknowingly After I tried to open another I would be denied back to back I attempted to call and visit my local social security office here in XXXX XXXX XXXX, Florida but theyre communication is so poor I couldnt even get a hold of someone on the phone. Appointments are to be booked online meaning there are no walk ins. 


after i called XXXX XXXX they claimed to have found nothing under my name, but it is on my credit. 

I just got off the phone with syncb/care they wrote a claim. 

Im currently on the phone with XXXX
Consumer complaint received 2024-03-26
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: LEXISNEXIS (NJ)

LexisNexis need to take a look at in my driving record inside my XXXX  report This wrong dates is two violations happen the same date : ( The " Wrong " date is XXXX ), 1- Wrong date XX/XX/XXXX : license or credentials violation 2-Wrong date XX/XX/XXXX : XXXX  XXXX, This two violations happen the same date on ( XX/XX/XXXX ) for some reason unknown you guys reporting that this incident or citations happened the same date but you guys sending out misleading information to insurance companies etc. so you guys should do the necessary research and correct this error because insurance evaluate day customers for they driving record and this error has cost me XXXX XXXX XXXX and is just not right for me to be going through this when i didnt do anything wrong so please fix this information the Right date is XX/XX/XXXX i will leave an XXXX  attachment from the actual XXXX XXXX XXXX XXXX XXXX XXXX located on XXXXXXXX XXXX XXXX XXXX This are court documents statements that shows and confirms the right issued dates of this both violations.
Consumer complaint received 2024-03-26
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: ENOVA INTERNATIONAL, INC. (MI)

I took out this loan XX/XX/year> for XXXX to pay off other bills a consolidation loan. Interest rate was XXXX I live in Michigan and our state does have a a cap of 25 % percent. I did make 4 payments then ran into issues called wanted to make lower payments they refused. They also refuse to make a deal with lower interest rates with my current debt management company for lower payments. 
My balance owed to them now is XXXX outrageous!! With their ridiculous interest rates. I do owe XXXX but not that ridiculous amount! I'm on XXXX XXXX XXXXXXXX and can't keep ahead now! But trying!! Something needs to be done about this company XXXX XXXX XXXX  is XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX.
Consumer complaint received 2023-03-18
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: Bread Financial Holdings, Inc. (NY)

In accordance with the fair credit reporting act this creditor has violated my rights. Under 15 USC 1681 section 602 states I have the right to privacy and in 15 USC 1681 section 604 A section 2 states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
Consumer complaint received 2020-12-22
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)

Please accept this message because its really important for me. Please remove these accounts because its a totally wrong information- its identity theft. I do not know these accounts and how they appear in my credit report. I do not recognize them and I have never signed any contracts and agreements. The accounts are definitely not mine. Please remove them from my credit report its very important for me. I do not know these items ended up in my report.
Consumer complaint received 2023-03-18
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TRUIST FINANCIAL CORPORATION (FL)

HELLO MY NAME IS XXXX XXXX XXXX XXXX, MY CHECKING ACCOUNT HAS BEEN RESTRICTED, FOR MORE THAN 6 MONTHS, DUE TO SOME CHECKS THAT I DEPOSITED IN MY ACCOUNT, THEY REQUESTED A NOTARIZED DOCUMENT FROM THE PERSON WHO MADE THE CHECKS AND THAT INFORMATION WAS ALREADY DELIVERED TO THE BANK 2 MONTHS AGO AND THEY DID NOT GIVE ME THE FUNDS, THEY ONLY TELL ME THAT THE BACK OFFICE MADE THE DECISION TO CLOSE MY ACCOUNTS, BUT THEY DID NOT GIVE ME MY MONEY WHAT IS HAPPENING.
Consumer complaint received 2023-03-18
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capio Partners, LLC (GA)

This company is a 3d bill collector for a medical company that is no longer open. Another medical company purchased the previous company. The debt is not mine, The medical company that hired the collection company can not provide any medical information with my name on it with my signature for acceptance of medical care nor an itemized bill of what procedures were done. This collection company has failed to notify me of such debt and are attempting to collect debt that is not owed and has fraudulently increased the amount owed. Used scare tactics by adding notes on my credit report regarding this account as if it had been being paid and I defaulted. Intimidating nature and fraudulent nature. I request for this medical collection to be removed from my credit reports immediately.
Consumer complaint received 2023-03-18
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: Experian Information Solutions Inc. (FL)

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint and I'm including it again. 
XXXX XXXX Balance : {$0.00}