davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-24
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (VA)

I was contacted very shortly after posting an appliance for sale on XXXX XXXX by a one " XXXX XXXX '', an XXXX user. Cautiously, I asked where the individual lived, and they simply replied " Virginia '', which is distressing when contemplating selling something like a clothes dryer. Virginia is a big state! 

Anyway, the individual requested to pay me via Zelle. After I'd provided my Zelle information, I was given a faked confirmation snapshot, which did not contain enough digits to be verified by Zelle. Upon mentioning this discrepancy, the individual instructed me to check my email ( I had not yet seen any transfer in my bank account or Zelle account activity ). In my Spam folder, there was a suspicious email from XXXX, an intentionally misleading address. The email read as follows : ___________________________________ Dear XXXX, Account Limit Zelle is a revolution in the way money moves. It's a free app that lets you send and receive money with almost anyone in minutes by working with leading banks and credit unions. 

You have a pending payment of {$150.00} USD We should be crediting your account now but we noticed the account has been limited and not a business account so it cant be credited so we need you to contact the buyer to send in the amount of {$500.00} USD to your Zelle account so it can be changed to a business account be credited immediately with {$650.00} USD into your account with a welcome bonus of $ XXXX, which the total sum of $ XXXX will be credited to your account immediately **PLEASE NOTE** Payment will not be credited to your account until refund of additional payment has been refunded for your buyer protection so neither the payer or the payee doesnt lose his/her money! 
You will receive a " CONFIRMATION EMAIL '' from our Zelle Team informing you that the funds has been credited to your account. 
___________________________________ I confronted the " buyer '' about how I had not received any money, and that it seemed very fishy. They denied wrongdoing. I blocked them permanently and reported the email as a phishing attempt. Please look into this individual, I worry they may have defrauded folks in the past, or could do in the future.
Consumer complaint received 2018-07-14
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: CITIBANK, N.A. (FL)

Sears Citicard changed their terms and conditions in XX/XX/XXXX on a credit card I opened in XX/XX/XXXX. I was informed on XX/XX/XXXX that this update meant that they could soft pull my credit and lower my credit limit as a result. I have been working hard to pay this card down. They lowered my credit limit from {$970.00} to {$450.00} after I made a big payment and was told my credit limit would not be lowered. This credit card is keeping my credit utilization reported at 89 % ; thereby negatively reflecting my credit history. It should be positively affecting my credit history if I am making consecutive, big payments. My credit limit is now {$51.00} from the maximum instead of {$650.00}, even though I have no delinquencies for this account on my credit. I was told by the supervisor, XXXX that if I pay it down more, it will likely lower my credit limit. This appears to be discriminatory in that they are lowering my limit every time I make a payment. They are also continuing to make my credit history look poor by keeping my credit utilization at a high percentage despite my making high payments that are on time. These practices appear unethical and punitive when I am honoring my part of the agreement with my credit card. If they close my account as soon as I pay it off, they are further harming my credit, even though I followed all of the rules. I would like this reviewed for unethical conduct and I would like the person who directly lied to me about my credit limit not being lowered to be researched. I made sacrifices in order to make such a heavy payment and I could have made this to a card that was not going to consequence me for doing the right thing.
Consumer complaint received 2021-07-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

I attempted to contact Citizens bank using its website and received an error message. It seems that using this portal is the only way for a customer who does not use telephone to communicate with Citizens Bank. I am enclosing the message that I attempted to send to Citizens Bank using their website, but Citizens Bank website failed to accept my message.
Consumer complaint received 2022-08-30
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION (CA)

I used the ATM machine at Navy Federal in XXXX, Ca at XXXX XXXX XXXX to withdraw {$200.00} to deposit it into another account on XX/XX/XXXX between approximately XXXX before I could complete the deposit the ATM machine canceled the transaction and only gave me back {$60.00} and kept the remaining {$140.00} dollars. I went directly into the bank to speak with someone and did a ATM claim. However I was told as a non member there is nothing they could do. I was told there is no way to return my money even though it showed up on the bank audit. I also try reaching out to my back but the transaction is not showing up on their end. I have talked to many people with no resolution.
Consumer complaint received 2022-08-30
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: COMMERCE BANK (MO)

On XX/XX/XXXX I put a deposit down on a new engine. After a little research, I realized that this was a fraudulent company. I called and canceled within an hour or two. I contacted my bank and let them know I did not want to buy anything from them, XXXX XXXX. My bank hung up on me. They paid XXXX XXXX  the {$1600.00} against my wishes on XX/XX/XXXX. I sent a letter to my bank, per the request. They, a few months later, gave me a refund. In XX/XX/XXXX, they took the money again. I had to send them another letter and they are saying they're findings are not in my favor. I never received my money back or any product they charged me {$1600.00} for. My bank is stealing from me.
Consumer complaint received 2023-06-23
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. (OH)

XXXX XXXX XXXX XXXX ( Incorrect account please validate ) And delete XXXX XXXX late payment XXXX XXXX XXXX XXXX ( Incorrectly reported please delete ) XXXX XXXX late payment XX/XX/XXXX incorrectly reported. ( Account no longer open please delete ) Account has been removed from XXXX XXXX remove from all other credit reporting XXXX late payment XX/XX/XXXX accountclosed late payment inaccurate has been removed from ( XXXX XXXX ) Please remove from all other credit reporting XXXX XXXX account was fraudulently charged/ ( The accounts has also been charged off ) please delete XXXX Late payment incorrect reporting account is paid as agreed please update and And correct XXXX XXXX ( account was charged fraudulently identity theft ) please delete. 

XXXX XXXX XXXX XXXX ( Account was fraudulently charged due to identity theft please remove and delete ) XXXX XXXX ( account was fraudulently charged due to Identity theft. Account also is a third party and not validated ) please remove and delete XXXX XXXX XXXX Consumer has agreement with XXXX XXXX XXXX To extend the payment due date XXXX XXXX XXXX XXXX XXXX late payment is invalid please correct. 
XXXX XXXX XXXX XXXX ( Incorrect account please validate ) And delete XXXX XXXX late payment XXXX XXXX XXXX XXXX ( Incorrectly reported please delete ) XXXX XXXX late payment XX/XX/XXXX incorrectly reported. ( Account no longer open please delete ) Account has been removed from XXXX XXXX  remove from all other credit reporting XXXX late payment XX/XX/XXXX accountclosed late payment inaccurate has been removed from ( XXXX XXXX ) Please remove from all other credit reporting XXXX XXXX account was fraudulently charged/ ( The accounts has also been charged off ) please delete XXXX Late payment incorrect reporting account is paid as agreed please update and And correct XXXX XXXX ( account was charged fraudulently identity theft ) please delete. 

XXXX XXXX XXXX XXXX ( Account was fraudulently charged due to identity theft please remove and delete ) XXXX XXXX ( account was fraudulently charged due to Identity theft. Account also is a third party and not validated ) please remove and delete XXXX XXXX XXXX Consumer has agreement with XXXX XXXX XXXX To extend the payment due date XXXX XXXX XXXX XXXX XXXX late payment is invalid please correct. 
NOTE Credit reporting of Third party collections, charge offs And public record reporting It's in violation of the fair debt collection practice act.
Consumer complaint received 2017-08-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (VA)

I received the results of my dispute against a bankruptcy. It states : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX .... Outcome : Remains - The company that reported the information has certified to Experian that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details I confirmed with the court that they do not report information to credit reporting agencies. My records with 3rd party reporting agencies such as XXXX XXXX have been confirmed frozen. On XXXX XXXX the representative, XXXX confirmed that once a freeze has been placed, no information is released without my authorization. It is my belief that Experian is engaging in dishonest and deceptive practices by stating the obtained information when they have not. I feel as though that have not performed a throughout and valid investigation of my dispute.
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

I strongly request you to address and rectify the unauthorized accounts on my credit report. These entries, which I have no connection to, are adversely impacting my credit standing. Kindly ensure their swift removal and take measures to prevent such errors in the future.
Consumer complaint received 2022-08-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CLGF Holdco 1, LLC (VA)

I entered a debt consolidation program about 2 years ago with XXXX XXXX XXXX. I included an active account with FEB-Retail which was a consumer loan for home improvemen ( bath fitter ). I completed the program in XX/XX/2022 and paid all of my creditors in full including FEB-Retail. This account was negotiated and settled for a lesser amount than owed. All three credit reporting companies continue to report incorrect info including that the active status of the account is still charged off. On all three reports, the account continues to report as s charge off, even after several dispute attempts and providing proof to the credit reporting agencies that they have been paid in full directly which I have confirmed with XXXX XXXX XXXX. Not only are they reporting an incorrect status, there are several errors and inconsistencies among all three reports. I am filing a complaint so that I can find resolve and understand as to why they continue to report incorrect information after being paid in full. Even after several disputes. They are hindering me from trying to improve my credit score and situation. which is why I entered a debt relief program to begin with.
Consumer complaint received 2022-04-14
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (MD)

I merely used the services Chase bank enabled on their website to open an account and transfer money. As a result of my ordinary banking activities, a large sum of money is now being withheld for an unnecessarily long period of time. To make matters worse, I have no recourse to get my funds in a timely manner. 

On XX/XX/2022, I use Chase 's online system to open a new checking account. Since I was already a Chase customer, I was able to transfer {$5000.00} from an external account immediately. 

On XX/XX/2022, I attempted to login to my online banking account, but was locked out due to " suspicious activity. '' I called Chase and learned that the account was pending to be closed and that I would receive a check for {$5000.00} in a timeframe of XXXX days. 

I was told I could open a new account in person and then have the funds be transferred there. However, when I tried to do this at the XXXX XXXX branch in XXXXXXXX MD, they said they could not transfer funds out of the account pending to be closed. They verified this with customer service.
Consumer complaint received 2019-08-07
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. (GA)

XXXX and Experian have accounts on my report that are fraudulent. I have tried numerous times to get them removed, but to no avail. I have attached police reports and an identity theft affidavits to this complaint, hoping that this will work. The XXXX, XXXX XXXX, XXXX/XXXX XXXX, and XXXX XXXX XXXX XXXX accounts are all fraudulent accounts and I would like those blocked please. My next steps will be to retain an attorney to get these fraudulent accounts removed. XXXX has complied and I would like Experian and XXXX to comply as well. I have been disputing these items for years and they keep reappearing. I was a victim of the Breech with XXXX and it has been a lot. Please remove and block asap. There are also multiple inquiries that need to be removed in the affidavit. I need them blocked please and thank you.
Consumer complaint received 2022-04-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I applied for a capital one card and was approved about 6 months ago. I was given a {$500.00} limit which I have been responsibly maintaining I was recently given a {$100.00} increase about 2 weeks ago. I was at the grocery store trying to buy groceries and it said my card was not authorized when I get home I call Capital One and they said my account was closed without a reason as to why. I just need a explanation as to why my account that was in good standing, just got a credit increase but now all of a sudden its closed. I need to know why they closed it, and they should be able to explain that to me. I even have some cash rewards money that I have lost from this as well.
Consumer complaint received 2022-08-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (VA)

I entered a debt consolidation program about 2 years ago with XXXX XXXX XXXX. I included my XXXX XXXX card into the program. I completed the program and paid all of my creditors in full. All three continue to report incorrect info to am three credit reporting agencies. Equifax, specifically is reporting the incorrect account number. On all three report the account continues to report as s charge off, even after several dispute attempts and providing proof to the credit reporting agencies that they have been paid in full. Not only ate they reporting an incorrect status, on XXXX they are reporting an incorrect write off amount. There are several errors and inconsistencies among a three reports. I am filing a complaint so that I can find resolve as to why they continue to report incorrect information after being paid in full. Even after several disputes. They are hindering me from trying to improve my credit score and situation. which is why I entered s debt relief program to begin with.
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MD)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-02-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I applied and was approved for a Bank of America credit card on XX/XX/XXXX. I received the card but did not active the card or open an account at Bank of America. 

Unbeknownst to me, I was charged an annual fee on the card even though I did not activate the card or establish an account at Bank of America. During this time, I moved and did was not able to update my address given I did not create an account with Bank of America. 

I eventually received a notice dated XX/XX/XXXX that from BofA that my account was past due despite never activating or opening my card and making zero purchases. 

On XX/XX/XXXX I tired to access my account but it had been closed by BofA and I was unable to access/create my account in order to make payment.
Consumer complaint received 2021-06-12
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (TX)

XX/XX/2021 Chase closed my credit car following with my business checking account and XX/XX/2021 closed my personal checking account where I only received my direct deposit and pay my bills. No warning, notice or reason. Went to branch 2 times no one gives an explanation or over the phone.
Consumer complaint received 2024-01-23
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (FL)

I received a notice that I needed to update my account with a physical address, which I did. I was never informed that the new address was also apparently unacceptable and they suddenly just closed the account When I called the customer service to resolve the issue. I was asked why I didn't have a # sign in front of my apt number - unbelievable. 

The result is that I have not missed a mortgage payment and I have no money to my name and no way to receive a paycheck.
Consumer complaint received 2022-02-24
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. (MI)

I am writing to dispute a charge of {$580.00} to my credit card account on XX/XX/XXXX that Chase refuses to assist me with. The charge is in error because I canceled my flight on the same day. I booked the flight on XX/XX/XXXX and I canceled it the same day. When I realized they never credited my account, I filed a dispute with Chase. On XX/XX/XXXX, Chase sent a letter advising the disputed charge was valid as XXXX XXXX submitted a screenshot of their terms and conditions prior to booking on their website. This is an error as I attempted to cancel the same day on XXXX, but as stated XXXX was a low budget airline and as such, I had to cancel directly with them. So I did. On XX/XX/XXXX I called Chase when I realized that they stated that charge was valid. I was transferred five times before someone would help me. When I spoke finally spoke to Customer Service Rep, he advised that I must have entered the dates wrong and if I wrote a letter to explain this, the charges would be credited back to my account. On XX/XX/XXXX I got a letter on stating that the charge was valid. The customer service rep said she couldn't help me and to write another letter to get the claim reopened again for a second time. I asked to speak to her manager. XXXX XXXX got on the phone and advised her hands were tied because the dispute needed to be filed by XX/XX/XXXX. I advised the dispute was filed prior to that date. She then advised the deadline was XX/XX/XXXX to reopen the claim but they didn't get my fax until XX/XX/XXXX. XXXX XXXX then refused to connect me to a manager or give me a name of her boss and just kept saying there was nothing she could do to help me. I was never advised that there was a deadline of XX/XX/XXXX. Not in a letter or on the phone. They now advise they can not reverse the charges because it's too late. They owe me this money now since they gave me misleading information on purpose.
Consumer complaint received 2024-02-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Debt Recovery Solutions, LLC (GA)

The year of delinquency is XXXX, I have never done business with XXXX XXXX. This account is fraudulent and use of my information to open this account without my knowledge or agreement is against the law. The illegal debt XXXX XXXX is trying to collect is now handed over to Debt Recovery Solutions , LLC.
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

I appreciate your attention to the removal of certain fraudulent entries from my file, stemming from an alleged identity theft. However, there remain unresolved items that require attention. Compliance with law 605b of the FCRA, as indicated in report # XXXX, necessitates certified mail to facilitate legal recourse. Failure to rectify the inaccuracies listed below, attributed to fraudulent activities, will prompt legal action through my attorney. It is my preference to resolve this matter without litigation ; thus, I urge adherence to the law. Please expunge the following fraudulent entries, opened without my authorization or knowledge : EXPERIAN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. Should you assert the accuracy and verifiability of these entries, I request documentation bearing my signature, which I know does not exist. Absent such documentation, I formally demand immediate deletion of these accounts and associated inaccurate personal information from the credit file under my Social Security number. Please note, you have four business days to rectify any entries resulting from alleged fraudulent activities. I do not consent to E-OSCAR or any automated verification methods. Your prompt attention and response within the specified timeframe are appreciated.