davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-22
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (NJ)

On XX/XX/XXXX I received a notification from the Creditkarma app stating that XXXX received information that my Best Buy store card ( issued by Citibank NA ) was closed on XX/XX/XXXX. When I logged into the app, it showed that my credit score went down as a result. The remark code listed was " Account closed by credit guarantor '' On XX/XX/XXXX I called Citibank ( at the number on the back of the Best Buy credit card ) and was told that the account was closed due to inactivity. My account was always in good standing with no derogatory remarks/late payments, etc., so I explained I didn't receive any notice that they would be closing the account. I was transferred to a manager ( XXXX ) who told me that the negative impact on my credit report would go away on its own and that I couldn't appeal/revisit the decision, but that I could reapply for a new credit card. I explained that didn't make sense as that would also potentially impact my credit score if I re-applied and she said that was the only option. With regards to my points about not receiving notice, she stated that I was sent an email and a letter in the mail in XX/XX/XXXX. 

I explained I never approved or authorize electronic statements or communications on my card accounts but either way I never received the email or the letter. I asked if I could be sent these communications to confirm their timeline and she said they could not do so, but that I would get a letter in the mail indicating that my account was formally closed. I am concerned because I have other credit relationships with Citibank which are longstanding and I never had any issues receiving communications. XXXX was unwilling to look up these relationships and confused me at one point by saying that this was due to inactivity and notification they received from XXXX? 

I asked to speak to someone else to lodge a complaint at Citibank about these events and XXXX indicated she already noted my complaints down, but stated there was no incident or complaint number for me to follow up on. This sequence of events feels very disingenuous, as my wife 's score may also be impacted as she was listed as an authorized user on the account.
Consumer complaint received 2021-11-11
Product: Vehicle loan or lease — Title loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. This account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623. I have done many attempts to reach out to 3 Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and correct it from my personal credit file. Thank you.
Consumer complaint received 2018-06-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (MD)

Wells Fargo had advised me of how much my mortgage payment would be after the month of XXXX. I was about to make a payment and they had increased the amount I saw on my statement. When i inquired about it they told me I had NOT paid my escrow and they added that into yet another payment amount. After some research they told me i was correct and they would make the adjustment to my mortgage because I just caught up with all {$13000.00} fees and mortgage.
Consumer complaint received 2024-04-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NV)

I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Identity Theft! There are accounts in my credit report that are not mine. I do not have a record of doing business with these companies. Attached you will also find my ID and my Proof of Address with my most recent bill.
Consumer complaint received 2022-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Companies involved : Transunion XXXX XXXX I was a victim of identity theft, and they applied for credit cards, loans which are in collection and are affecting my credit cut, I have tried to communicate with the creditor companies and explained the situation and I have not had a favorable response, I have also disputed these accounts in the credit bureaus and without any result, I ask for your collaboration to be able to solve this situation.
Consumer complaint received 2022-03-01
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. (IN)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 



INITIAL DISPUTE XX/XX/2022 30 DAY DEMAND XX/XX/2022
Consumer complaint received 2019-08-02
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TD BANK US HOLDING COMPANY (NY)

My XXXX phone number was ported to another carrier cancelling my telephone number with XXXX on XX/XX/2019. On XX/XX/2019 two {$1000.00} transactions were processed through Tdbank using XXXX  in Td mobile app. It was probably accessed using the phone number that was active on another carrier since I also received email notifications from other institutions I used stating that someone was trying to log in using my old phone number from a different state. Td bank is trying to deny the claim saying that phone transactions were varified using my phone number. I have a document that lists all of the phone information with the carrier XXXX  that says that the phone was canceled from device and sim card on XX/XX/XXXX thefore refuting there claim that transactions were made by my actual phone.
Consumer complaint received 2021-07-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NJ)

I RECEIVED SEVERAL COLLECTION LETTERS REGARDING CREDIT CARDS THAT WERE OPEN IN MY NAME AND NOW THERE ARE BALANCES DUE. I HAVE NOT OPENED ANY CARDS BECAUSE I AM UNEMPLOYED AND HAVE BEEN FOR THE LAST 7 YEARS. I DON'T HAVE ANY INCOME AND I DEPEND ON OTHERS TO HELP ME OUT. I HAVE BEEN GOING THRU XXXX AND XXXX  ISSUES AND I DON'T HAVE THE CAPACITY TO DO SO. I AM THE VICTIM OF ID FRAUD AND HAVE BEEN FIGHTING AND BEEN HAVING SOME OF MY FAMILY MEMBERS HELP ME CLEAR MY NAME. PLEASE CLOSE THE ACCOUNTS AND REMOVE THEM FROM MY NAME AND CLEAR THEM FROM ALL THREE CREDIT BUREAU REPORTS AS THIS ISN'T ME OPENING AND PUTTING CHARGES ON THESE ACCOUNTS.
Consumer complaint received 2021-05-04
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (NC)

Hello, I reviewed A copy of my credit report and it shows XXXX XXXX  as a charge off or collection with a balance of {$4800.00}. This is a violation of the Fdcpa.
Consumer complaint received 2021-01-31
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (NJ)

XXXX XXXX sold a debt, that I do not owe to debt collection agency by name of Credit and Collection service. I have never been insured by this company. At the time they said I was insured by them, I was underage and otherwise not legally capable to buy insurance for myself
Consumer complaint received 2023-01-23
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. (GA)

I submitted a letter to the XXXX Credit Bureaus to update this suspicious information. I think you have not validated these accounts 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-07-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ACIMA CREDIT, LLC (PA)

ACIMA CREDIT XXXX XXXX # XXXX has been attempting to collect a debt that I have requested several times to be verified due to the being unaware of where this is originating from. I have not received any mailed documents per my request and this is in violation of my consumer rights to confirm the debt.
Consumer complaint received 2024-03-31
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: BARCLAYS BANK DELAWARE (NY)

I received a notification that a hard inquiry showed up on my credit report. I contacted Barclays bank Delaware to ask them about this. I have no knowledge and did not authorize anybody to apply for anything with my Social Security number and personal information. I spoke to Barclays Bank Delaware on XX/XX/2024 at XXXX PM on a recorded line, they told me they have no information in their system related to my Name, Social Security number or phone number. They told me to contact XXXX and the other credit bureau to remove it off of my credit report. I would like this removed off of my report being that I did not authorize or apply for any type of financial product.
Consumer complaint received 2021-05-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: M&T BANK CORPORATION (MD)

XX/XX/2020 my spouse opened an M & T account. The M & T banking representative, Ms. XXXX XXXX XXXX, located on XXXX XXXX in XXXX XXXX, MD, had him to call me at home and ask me for my social security number to add me as a beneficiary to his account. I asked her for the documentation listing me as beneficiary, but she said the documents were not needed, that she was just going to put my social security number in the system ; but that a statement would be mailed out. The bank statement which was mailed listed me as XXXX. I never authorized the bank representative to do anything other than what we had spoken about over the phone when I gave her my social security number, and was not aware at the time that she wrongly collected my social security number and connected me to my spouses account as an owner. 

That same month, XX/XX/2020, strangely my direct deposit of {$500.00} that was part of my by-weekly pay that should have been deposited with XXXX XXXX XXXX was deposited into my spouse 's M & T Bank account ; an account I don't own. What the M & T representative did was collected my social security number wrongly and told me she was setting me up as beneficiary, when in fact she used my social security number and named me as an owner of a bank account at M & T bank using my spouses account without my permission, authorization, nor signature on file with the bank, nor was I physically present ; and she hid what she did by mailing a statement showing I was XXXX on his account. Yet, this created a fraud alert. 

Money can not be deposited into a bank account you don't own. Therefore, the bank representative set me up for fraudulent activity on an account I do not own at a banking institution by adding my social security number in the system, and making me an owner, yet with no signature cards with the bank that would amount to fraud. And with no documents with the bank showing that the direct deposit was proper, which it was not, it would be counted as fraud. However, M & Ts own bank representative committed the fraud by wrongly using my social security number. 

I believe this has resulted in a fraud flag because my bank, XXXX XXXX XXXX has blocked me from using my ATM Card. I am unable to make purchases, deposits, nor withdrawals from the ATM. Also, XXXX XXXX representatives are not consistent in their explanation as to the reason why my ATM card is blocked. XXXX XXXX XXXX  representatives are also violating banking laws by not providing proper information to a bank consumer regarding their bank account. Therefore, because of the way Im being treated, I suspect they have been alerted to some sort of fraud I have not committed.
Consumer complaint received 2021-05-04
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 — Investigation took more than 30 days
Company: TRUIST FINANCIAL CORPORATION (PA)

I have reviewed a copy of my credit report and I show company REGIONAL ACCEPTANCE CO account number XXXX is listed as non-verified account. I have attempted on several times to have this account reviewed with no luck. I have been violated per the FRCA and FDCPA. I will need help for deletion of this account due to attempting to purchase a home.
Consumer complaint received 2021-07-01
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to send money to another person
Company: Chime Financial Inc (GA)

On the XXXX of XXXX I received an email from Chime saying my account has been put on hold due to suspicious activity but there isnt any suspicious activity. My back pay from the Georgia Department of Labor was direct deposited into my account and I didnt have a physical card anymore because the last direct deposit I had was in XXXX ... therefore I only had a virtual card and my birthday was Thursday and when my boyfriend took me on a lil birthday trip over the weekend the only way I could access funds was to send him money via XXXX  or through email or his phone. Im XXXX and I cant even access my funds and I have bills due
Consumer complaint received 2017-12-18
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Convergent Resources, Inc. (MI)

On XXXX the XXXX XXXX I switch services from XXXX XXXX to XXXX I called XXXX XXXX to let them know to cancel my services the lady on the phone stated that she ca n't cancel she can only suspend the account because they show that XXXX is trying to transfer my number to my XXXX phone. I told her that that should not show because I am keeping the phone number assigned from XXXX. I ask her since she could n't cancel only suspend the account will I continue to get charged. She answered no. So I said ok waiting for my final bill. Since then I receive three different bills from XXXX XXXX with different amounts. One dated XXXX XXXX XXXX for XXXX. Then I got a collection letter from convergent dated XXXX which I did n't receive until XXXX XXXX XXXX showing a balance of XXXX. Then I received another bill from XXXX claiming i now owe XXXX. My account should have been cancelled when i called and told them i switched to XXXX that was in the beginning of XXXX. So why ido i have all of these different amounts. This account is in dispute until XXXX  can explain why i was still getting charged for services that u should have canceled immediately when i called.
Consumer complaint received 2021-08-12
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: HSBC NORTH AMERICA HOLDINGS INC. (OH)

On XXXX a check payment to XXXX XXXX  in the amount of {$500.00} cleared my account- screen shot attached. Other payments came into my account AFTER this payment cleared that caused an overdraft. Rather than returning a payment that caused the overdraft - the payment for XXXX was returned. Screenshot attached. This payment was for my electric bill and is going to cost me a returned payment fee and they will no longer accept payment by check. This payment should have never been returned as you can see from the attached there were enough funds in the account to cover the payment.
Consumer complaint received 2020-12-06
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC (CA)

I applied for a house refinance loan with loandepot.com and paid a deposit for appraisal. The loan was was less than 30 % of the appraised value.. 

I was granted a Conditional Approval. However after satisfying the Conditions of the Approval, I was denied. I was told specifically that my deposit would be refunded to me while the loan was funded. 

I would be happy if LoanDepot refunded my deposit back.
Consumer complaint received 2023-01-09
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. (SC)

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 2021-05-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

I have already notified Bank of America that this credit card was opened without my knowing. My now estranged wife had used my social security number behind my back to open multiple credit cards in my name. She is a XXXX XXXX / XXXX XXXX and I have had to file for divorce because of this. She has a history of stealing identities and committing theft. I am not responsible for the debt that she has incurred in my name. I am a victim of identity theft. A police report was submitted to the XXXX XXXX, WA Police Department on XX/XX/2020. I have found out that there are 7 other police reports with her as the suspect of fraud / theft. XXXX has recognized that I have been defrauded and that I am a victim of identity theft and I attached a letter from them.
Consumer complaint received 2022-04-27
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: TRUIST FINANCIAL CORPORATION (MD)

Back in XX/XX/XXXX, I noticed that my car payment had been transferred from SunTrust to Truist Bank. I could not make my payment online, as I had been since I opened the loan in XXXX. I called Truist to set up an account and make my first payment, which I was able to do with the representative over the phone. The next month I went to my Truist account to make my payment and I was unable to access the online account created by the representative. I called customer service on five separate occasions, however, each time I waited for a representative for anywhere between XXXX and XXXX minutes without any contact. Finally, in my sixth attempt to make a payment, Truist 's customer service line offered a callback option. This option was not available in my five previous attempts. When the representative contacted me, I was informed that the original online account number provided to me was inaccurate. I was able to rectify the issue with my online account and bring my loan up to date. However, I was also informed that during this issue with my account I was 37 days late on my payment and it will be reported to the Credit Bureau. An incorrect account was communicated by the Truist representative. I made multiple attempts to make a payment while facing impossible wait times. A grace period should be offered for accounts being transferred. Had my online account been functional, I would not be facing a penalty on my credit XXXX.
Consumer complaint received 2021-09-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Earm LLC (CA)

This company has called me every day for the last week I've called every day right after and explained to them that I am not the owner of the set in and not in contact with the owner of this debt. I've also explained to them my wishes to be removed from this list. This was confirmed every single day but the following day I was called again. Today I called and before I could even respond I was called a XXXX, a XXXX and the caller refused to give me their information so that I can report it here he stood on the call mocking me calling me XXXX and XXXX over and over. This behavior is unwarranted as I am not the responsible party for this owner I'm not in contact with the responsible party for this debt. I was confirmed each time I called that my number would be removed it has not happened I do not wish to be subjected to any kind of bullish behavior for it that I don't owe. I spoke to Miss XXXX yesterday She confirmed that my information was noted to be removed but not taken off She removed it yesterday but today I was contacted again and called a XXXX and a XXXX. 

I I explained to the young man that I was recording all of this as it was exceedingly unprofessional rude and a bit threatening. The young man acknowledged the recording I have this for proof if needed
Consumer complaint received 2021-07-08
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (CA)

I requested a wire transfer from by Chase Bank account in the amount of {$7100.00} on XX/XX/21 to a XXXX XXXX  account that was supposed to belong to an end user that would be renting a new apartment to me. The money was withdrawn from my account on XX/XX/21, but I never received confirmation from the end user or supposedly XXXX that the request was made through. It turns out that the end user is a scammer and the apartment rental ad was made on a fake XXXX  site because the ad suddenly no longer exists. They made it seem real with icons, reviews, etc. It was originally found on XXXX, which no longer exists as well because that ad was also fake. The name of the correspondent was XXXX XXXX ( XXXX ) and the account holder name for the XXXX XXXX  account is XXXX XXXX  XXXX This person had initially refused to talk over the phone or meet in person so only email was used for communication. I read an article that someone using the same exact name XXXX XXXX XXXX XXXX had scammed someone in XXXX XXXX using the exact same tactics so this person should be stopped to avoid scamming others in the future.