davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-08
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: U.S. BANCORP (CA)

US Bank forced me to go through XXXX factor authentication to login to my account. I changed my phone number on XX/XX/2020, but US Bank still defaulted to my old number. I was unable to login at all to pay my credit card, resorting to calling and being stuck on hold for more than XXXX minutes each time. I have called on many separate occasions to US Bank to update my number, and they assured that it is fully updated when it was clearly not. I am a low income student that spends most of my time to support my family and my elder mother and go to school. This impeded my life harshly. US Bank ended up closing my account, and I ended up paying off the credit card anyways. I tried to ask US Bank if they can help me with my payment history due to their issue causing me difficulties to pay the bill, they basically told me to XXXX off and they wont help me. This caused my XXXX XXXX to tank even lower. Fast forward to last month I created a business checking account with US Bank with the phone number I changed to 3 years ago. I still am not able to login to US Bank, resorting to changing my password every time as a loophole to login. It keeps sending the authentication to my old phone number, which poses a serious privacy risk. I have just contacted US Bank and they have finally transferred me to the right department. When I spoke to the specialist, he informed me that the previous associates that helped me only changed my contact number, and not my XXXX factor authentication phone number. I was mislead and fooled the whole time by US Banks mistakes. I am hoping to purchase a house in a few years to give a permanent roof over my mothers head, and this is hurting my score tremendously. It is very shameful that this is still going on today. My business checking account is registered to my new number but still locking and sending texts to my old number, exposing me to risks and threats against me. 
I have launched disputes from all three credit reporting agencies, but they have all stated nothing was wrong and did nothing about my dispute. 
I would like to get the late payments removed from my US Bank credit card if possible. I have not missed payments at all on my other XXXX credit cards. US Bank has put me in a terrible state emotionally due to this, and I am not confident in purchasing a house in the next few years anymore due to my score tanking from US Banks mistakes.
Consumer complaint received 2022-12-08
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Unexpected or other fees — 
Company: JPMORGAN CHASE & CO. (CA)

Thank Chase Bank for the letter they replied on XXXX XX/XX/XXXX. The reference case number XXXX. 

I have a check account with Chase Bank since year XXXX. I am used to make online payment to my HOA monthly assessment fee. 

According to the letter you sent on XXXX, you stated that there were no errors from your part. I believe there was error on the processing of payment. 

As usual. I chose the proof of payment service and made online payment {$280.00} to the HOA account which is XXXX XXXX XXXX. I schedule on XXXX then it will be sent on XXXX and delivered by XXXX. Also, the due date of payment is XXXX. 

According the letter the Chase Bank replied, the Chase Bank reviewed my bill payment for {$280.00} that was sent on XX/XX/XXXX. This payment was sent as a paper check, and it had an expected delivery date by XX/XX/XXXX. Paper checks can be lost by mail, or returned, due to different circumstances. In this instance, the check was returned to us and not cashed. 

I contacted the Chase Bank and XXXX XXXX XXXX XXXX a few times to get more information. I also request more than XXXX time for the late fee from Chase Bank to pay to the HOA, but the Chase Bank keeping told me they are not responsibility for it, maybe has the other issues like postal delivery, it can not be expected. The other one XXXX XXXX XXXX XXXX keep saying they did not receive the payment and enforce the late fee {$28.00} and interest {$2.00} to me. 

So, there is a possibility the check was mis routed or sent to an incorrect XXXX XXXX XXXX this could be postal service error. The Chase Bank should claim from USPS for me. All letters or parcels sent through USPS First Class Mail are insured against loss or damage up to {$100.00}.
Consumer complaint received 2021-09-01
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: DISCOVER BANK (CA)

I have recently graduated from college, come to find out that I have fraudulent accounts in my name. 
I have dealt with identity theft for the last 7 years of my life, I have installed all the proper things needed but these banks still open credit in my name for these criminals. Under FCRA 615 ( f ).

I am asking your financial institution to CEASE & DESIST all reporting of these fraudulent accounts. DISCOVER : {$3200.00} This account is the result of identity theft and I attest under perjury that they are the result of identity theft.

This is a legal request to cease and desist.
Consumer complaint received 2022-12-08
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: EQUIFAX, INC. (OH)

Currently XXXX XXXX AND EQUIFAX sites reports are all different with specific information. ON XXXX {$75000.00} in STUDENT LOANS are on the consumer report but when their actually calculated they sum up to {$67000.00} a closed account is being added to my loans on the XXXX SITE. During the pandemic all student loans have been in deferment so they should not have interest added, so what is being calculated? Then the loans do not show the same as all other loans across the board. MEANING EQUIFAX shows a total of {$7400.00} in STUDENT LOANS and XXXX shows {$72.00}, XXXX, while XXXX presents me having XXXX accounts on my credit and EQUIFAX shows 17 accounts open and closed XXXX XXXX accounts on my record. AGAIN, my question is why are ALL 3 CREDIT agencies REPORTING different amounts?!! The annual credit report pulled on XXXX shows that an account was charged off for ACCOUNT NUMBER XXXX at {$1100.00}, yet on the XXXX site I can not find an amount reporting but {$8.00} on the site not in the annual report. XXXX reported a charge off at {$1000.00}. EQUIFAX shows {$1000.00} was charged off. This Company XXXX provides the actual card number in the credit report which is a violation of my Consumer Protection Rights. XXXX IS ALSO A CHARGE OFF!! This should not be reporting. Transaction history of all accounts is also being reported all of this is a violation of my privacy. According to 15 USC 1692 ( a ) this shows excessive and abundant evidence of the use of abusive, deceptive, and unfairdebtcollection practices. Any CHARGE OFF is considered income which can not be reported on the credit report.
Consumer complaint received 2022-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC. (GA)

After reviewing my credit report, I am not happy to see the below items that are still showing in there even though I have informed you that they are in accurate and injurious to my score. I feel like I'm being taken advantage of for being ignored by my disputes. I feel that this accounts are adversely affecting my credit report and costing me XXXX of dollars in interest every year this is not a regular dispute I have filed a complaint with the federal trade commission and XXXX XXXX XXXX  because to my knowledge I do not recall any of these accounts I need this problem get fixed asap
Consumer complaint received 2022-07-30
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. (LA)

I have submitted several letters to all 3 credit bureaus- Equifax XXXX XXXX XXXX and XXXX disputing this Account with ( XXXX  ) -name as reported on my credit report. They keep sending me a letter that this account was verified but have failed to explain WHY, WHO, & WHEN. ( THEIR METHOD OF VERIFICATION ) They have failed to present me with proper documents that show their method of verification. They have also failed to show me original documents bearing my signature with this account. This account also shows a few incorrect information such as the ''date opened '', ''date verified '', '' closed date '', ''account status '', ''dispute status '' and ''date of last activity ''. ONLY ONE BUREAU IS SHOWING A ACTUAL CLOSED DATE FOR THIS ACCOUNT. THIS ACCOUNT NUMBER IS ALSO INCOMPLETELY REPORTED FROM ALL 3 BUREAUS. This account is also in VIOLATION of Metro 2 Compliance because THIS ACCOUNT IS ALSO REPORTING LATE, WHICH IS ILLEGAL BECAUSE A CLOSED ACCOUNT IS NOT SUPPOSED TO REPORT LATE PAYMENTS NOR A BALANCE. All 3 credit bureaus are reporting DIFFERENT INFORMATION on this SAME account which is ALSO against my consumer rights. According to the FRCA consumer reporting, agencies must correct or delete inaccurate, incomplete, or unverifiable information. If this INCOMPLETE, UNVERIFIABLE and INACCURATE information is not deleted in 30 days I will be visiting my local small claims court to begin the process of a Lawsuit against ALL 3 credit bureaus and XXXX XXXX  I expect to receive an updated credit report within the next 30 days showing that this account has been DELETED. 

If this account is not deleted from my credit report within 30 days I will be visiting my nearest small claims court & I would be seeking a minimum of {$1000.00} in damages PER violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act Each of you will be required to appear in a court venue local to me, in order to formally defend yourself.
Consumer complaint received 2022-09-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Choice Recovery, Inc. (SC)

I'm XXXX XXXX, and I need your help in contacting this company. I made an attempt to get in touch with them to ask why someone had registered an account in my name. I regret that this extremely significant issue is now harming my credit profile. Since it also violates data privacy, I do not let anybody to use my name, date of birth, or any other information. They must identify who started the account in my name and just provide that individual my information. Kindly help me in solving this.
Consumer complaint received 2022-12-08
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc (OH)

opened a checking account with chime XXXX and made 3 deposits totaling XXXX also on XXXX i made a reservation with XXXXl to rent a truck using the debit card information given to me in the chime app. when i went to pick up the truck i was told the transaction was denied due to an issue with my account. i go to open the chime app on my phone and i receive a message telling me the account is locked. i checked my email, text messages and phone for missed calls. nothing from chime informing me why the account was locked. i call and speak to 5 chime agents and 4 supervisors and what it get from 1 supervisor is that i need to submit my government issued id and ss card and a bill with name and current address to chime support. so i emailed information to XXXX. this same supervisor said she would escalate the matter. i call back and reach XXXX a supervisor who says he could not see the information i emailed to chime support. but later in the conversation he claims he can see the info submitted but i had to wait for a response from chime support. XXXX i call and speak with XXXX whos says he could not see information that i submitted the day before and that i have to wait for a response from the chime support team. with each member of the customer service team i informed them of the fact that i made deposits to the the account and i want my money returned to me. i told them to close the account and simply return my hard earned money. i have never had an experience like this before with a financial institution. the money i deposited to the account i want it back and the account closed. i almost used this company for direct deposit. im so glad i did not make that move..... i have proof of the deposits made to the account. I want the deposits returned and the account closed. thank you to whom ever will be investigating this matter. XXXX XXXX UPDATE : as of XX/XX/22 the support/ review department is requesting i resend identification information and proof of address again after submitting the information 5 times to the review/support department.
Consumer complaint received 2022-07-30
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (VA)

There is an existing closed complaint about this. PayPal has encumbered my ability to manage my PayPal branded XXXX bank credit account. I am blocked from logging in. PayPal will release the block for a single transaction and then they block it again. 

The illegal encumbrance also prevents me from managing my PayPal account. 

The CFPB will ignore the content of my complaint and send a pleasant notice to PayPal. PayPal will respond in a form letter reporting that I am incorrect and that PayPal is compliant with law. 

This process is pro forma. PayPal is harassing me. PayPal is not acting in good faith. PayPal seeks to harm me and others like me as a punitive measure and the CFPB is complicit.
Consumer complaint received 2022-09-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate ad correct these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX  XXXX XXXX  XXXX XXXX Balance : {$2900.00} XXXX  XXXX XXXX Balance : {$610.00}
Consumer complaint received 2022-07-30
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: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX acct # XXXX, XXXX XXXX XXXX acct # XXXX, XXXX Bank account # XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX acct # 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 a account without my written instructions.
Consumer complaint received 2022-12-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (TX)

So today on XX/XX/XXXX I finally got my account cleared with Citibank. They were able to verify my phone number and send me the XXXX passcode to register phone number. XXXX hours later I was locked out once again while speaking to a different individual a different representative XXXX with the most horrible attitude with the most unwittingly way to helping a person. I am now exhausted overwhelmed and very well startled because of this I might lose my vehicle when bills are all doing behind when I trusted Citibank down in my phones are just save it to my trusted bank. I am screaming for help as this is ridiculous you speak to one individual that has no idea what happened earlier what happened then whats really going on. Someone please help me use my funds
Consumer complaint received 2022-07-30
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Remitly, Inc. (OH)

XXXX by Remitly is a debit card for immigrants. I am in US, my husband in XXXX. We both obtained XXXX Debit cards that I could load from my US bank acct to the cards so my husband could withdraw funds in XXXX. I typically deposited small amounts. In XXXX ( posted XX/XX/XXXX ) I deposited a large amount {$500.00} and {$300.00} as he urgently needed the funds to pay for lodging and food as we await his US Visa. XXXX  FROZE AND LOCKED both our cards stating they did not have to tell us the reason. They now have approx {$850.00} from my husbands account ( XXXX XXXX ) and I think {$42.00} in mineI can not see amounts as they have locked the app on me too. I have written and called and chatted with their custoner service teams multiple times daily they only say we will call you back in 1-2 hours, but NOONE EVER CALLS. I have spoken MANY times MANY HOURS on the telephone and they say they will escalate to supervisor who will call me in 1-2 hours never any calls back. I went in their XXXX page Remitly to seek help and see this is happening regularly to MANY PEOPLE, They respond in a XXXX telling you to write their email which is again a scam! I need my money back!! Please help!
Consumer complaint received 2020-04-17
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: CITIBANK, N.A. (CA)

XX/XX/2020. XXXX XXXX disputed data on my XXXX  report which said I was an authorized user for an account ( card number doesnt even exist under the person who owns the account ). We are assuming they are talking about a different card based on the available credit and other information. We contacted citibank who should have removed me years ago but didnt. They removed me from all associated accounts and said they will tell this to any credit bureaus. XXXX  said they called and they said citi wouldnt give that info. We called citi and the manager said this makes no sense and sent us an email saying i was removed which we forwarded to XXXX. XXXX  ignored the email and closed the dispute. We opened it back up and I heard nothing. I went to their site to make a personal dispute ( previous was done by third party XXXX  ). Their dispute for credit cards page does not work and has apparently been down for a year. You can not dispute online. See others complaining online via the link i shared. We have closed the credit card due to issues but not sure if was ever removed or can be removed from my record. Citibank has been in my experience horrible at reporting proper updates to the bureaus and XXXX  is not taking disputes seriously or investigating at all XXXX XXXX XXXX
Consumer complaint received 2022-09-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: RFNA, LP (SC)

I'm XXXX XXXX, and I need your help in contacting this company. I made an attempt to get in touch with them to ask why someone had registered an account in my name. I regret that this extremely significant issue is now harming my credit profile. Since it also violates data privacy, I do not let anybody to use my name, date of birth, or any other information. They must identify who started the account in my name and just provide that individual my information. Kindly help me in solving this.
Consumer complaint received 2022-08-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (LA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.