davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-29
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: DISCOVER BANK (PA)

This complaint is in regards to XXXX, XXXX, and XXXX, XXXX XXXX XXXX XXXX   XXXX XXXX, PA XXXX XXXX who are representing Discover Bank as a debt collector. In a hearing held on XX/XX/XXXX, XXXX, XXXX, and XXXX agreed to settle the debt for {$2600.00} with {$1100.00} paid from a XXXX XXXX transfer leaving a total of {$1500.00}. We were then advised to make monthly payments of XXXX dollars per month that increased to XXXX dollars per month beginning XX/XX/XXXX. We have been sending money monthly and while not always able to pay the XXXX per month we have diligently sent in a payment of at least {$50.00} every month. Since this judgment, I have paid a total of XXXX, which should leave a balance of {$500.00} at this time. I received a letter from XXXX, XXXX, and XXXX dated XX/XX/XXXX that outlined the judgement, the amount owed, the amount payed, and the remaining balance of XXXX. In this letter there is no mention whatsoever of additional interest and fees. After missing a payment in XXXX of XXXX due to loss of employment from the XXXX XXXX, we received a letter from XXXX, XXXX and XXXX dated XXXX, XXXX with a noted balance due of XXXX. Seeing this balance, which is more than the agreed upon settlement, led me to call XXXX, XXXX, and XXXX. I spoke with a representative on Monday XX/XX/XXXX who informed me that we were being charged interest and there were also court fees in the amount of XXXX applied to our balance. The representative was not able to provide me with a balance as a start number from in XXXX of XXXX. I was led to believe that number was the agreed upon settlement balance of XXXX. 

Not only did XXXX, XXXX, and XXXX not act in good faith but they deliberately set us up for failure of repaying this debt. While we have been making payments each month the total has been increasing unbeknownst to us. The total is now almost double what we originally owed, and while we thought we were close to paying off our debt we are now even further in debt. We have never received any type of statement from XXXX, XXXX, and XXXX demonstrating our payments, informing us of the interest applied to the amount, and that the balance has continuously gone up due to the interest or whatever other fees have been applied without our knowledge. We feel we are owed at least an adjustment to our balance accordingly due to XXXX, XXXX, and XXXX not acting in good faith and being deliberately obscure with and withholding the details of our repayment. 

Thank you for your time and consideration of this matter. 

XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX
Consumer complaint received 2019-03-04
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (MA)

I opened a checking account with Citibank that promised {$400.00} cash bonus if I satisfied a series of requirements ( {$15000.00} balance, direct deposit ... ). I satisfied all of the requirements and received an email informing me that I would be receiving the {$400.00} within the next 30 days ( attached as PDF ). I received that email on XX/XX/2019. I have subsequently called Citibank 's customer service 4 times, spoken with supervisors, and had tickets opened investigating why the money has not been deposit into my account. Everyone I have spoken to at Citibank is in complete agreement that I have held up my end of the agreement, as well as that Citibank is in violation of the agreement. Each phone call takes a hour or more and its so unfair that customers have to chase Citibank over and over to receive what they promised.
Consumer complaint received 2021-10-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IL)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really XXXX  and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court
Consumer complaint received 2021-05-19
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: Westlake Services, LLC (FL)

Westlake Financial is reporting Account # XXXX for {$9100.00}, on my credit reports. I've never applied for or received products or services from this company. I made numerous attempts to communicate with this XXXX to dispute the account and start a fraud investigation to no avail. In XX/XX/2020 I requested assistance with addressing this matter and my recovery advocate and Certified Fraud Investigator communicated with XXXX and verified that they are attempting to collect this debt from me and that the account reflects my name and social security number but a different address. This account was caused by ID theft. I've provided an Federal Trade Commission affidavit, police report, proof of my ID, Soc Sec and address indicating that the account is not my account. XXXX has denied to release the results of their investigation as well as denied the deletion of the account from my XXXX
Consumer complaint received 2022-12-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc (NE)

Due to an issue with my XXXX account being hacked, I was concerned about the safety of my account. However, my phone was experiencing a lot of difficulty and malfunctioning. I reached out to ask what my options were and if there was a way to secure the account without having to use the phone number to reopen it, Instead of responding with options, they immediately closed/locked the account and did not secure the card number which meant if there was a breach of my account, the problem was unresolved. 

I tried to inform them that this was not helpful, but they had already taken this action and I was told to prove my identity with a picture of me and my photo ID. 

Unfortunately, my phone is dead and to get said picture I had to use someone elses phone. I sent the requested picture and was then redirected to the beginning of the process. They asked me to prove my identity again with the picture. I did. They asked me to do it a third time. I am currently working on it, but Im furious. I cant get XXXX presents for my family right now due to this entire issue. 

I also have had a variety of issues with their customer service. When Ive called them, I have been put on hold for hours immediately after informing them I am XXXX XXXX. Eventually, I asked someone else to call chime shortly after me to see if this was a reaction to my hearing loss. We both asked about the same issue. I said I was XXXX and got put on hold for seven hours. The other was done with their call in about an hour. 

I am sickened by the awful customer service and failure to protect, secure, and assist their account holders. I wish to close my account, but was told I have to prove my identity despite having done so multiple times already.
Consumer complaint received 2021-05-19
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (FL)

Back in XX/XX/2020 I realized that someone had stolen my identity and used Coinbase to steal {$15000.00} from my bank account. I tried reaching out to coinbase to have the money returned, but their answer was simply that the same IP address was used and that they were not responsible for the issue. I have sent paperwork proving I had identity theft situation and I have tried to resolve the issue with my bank as well. Coinbase is aware that fraud takes place on their platform and are more than OK letting crime take place on their network. I though, am not ok with this and want my money returned to me. Coinbase needs to be held accountable for what happens on their platform.
Consumer complaint received 2020-05-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (MD)

In XX/XX/2020, SYNCB/PPC put a late Payment on my account. This was an auto payment from my own bank and for some reason the payment did not go through. i discussed with SYNCB/PPC on this manner since this was my first time making a late payment but no luck. They never remove the late payment that was associated with the same issue. i see now it just popped up on the two others bureaus and this has really and greatly lowered my score.
Consumer complaint received 2020-05-29
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. (AR)

While I was in the process of trying to rent an apartment, my credit report had to get pulled. i was denied due to several unknown items on report. I then printed out a copy of my report from XXXX  XXXX to check the reason I was denied, and I realized that someone has been using my social security number to open up accounts I have never been aware of. these accounts do not belong to me. Please remove these items from my report. DEPTEDXXXX XXXX {$1700.00} DEPT OF ED/XXXX/XXXX  XXXX {$1700.00} XXXX XXXX {$3000.00} XXXX XXXX {$5100.00} XXXX XXXX XXXX {$24000.00} XXXX  XXXX  XXXX {$5000.00} XXXX XXXX {$130000.00} XXXX/XXXX  XXXX {$270.00} XXXX  XXXX {$24000.00} XXXX/XXXX  XXXX {$580.00} XXXX/XXXX  XXXX {$690.00} XXXX XXXX XXXX  XXXX {$78000.00} XXXX/XXXX  XXXX {$760.00} XXXX/XXXX  XXXX {$1400.00} XXXX XXXX XXXX {$1200.00} XXXX XXXX XXXX XXXX {$2800.00} CHAPTER XXXX BANKRUPTCY XXXX {$0.00}
Consumer complaint received 2021-09-01
Product: Checking or savings account — Savings account
Issue: Opening an account — Account opened as a result of fraud
Company: JPMORGAN CHASE & CO. (AZ)

Around XX/XX/XXXX, someone made multiple attempts to make online purchases using my Chase savings account. Roughly a month later this same individual successfully opened a credit line with a credit limit of {$1600.00} to accounting ending in XXXX. Thief 's identity is unknown but I was able to secure their phone number ; XXXX XXXX XXXX XXXX.
Consumer complaint received 2019-03-09
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: CITIBANK, N.A. ()

I contacted Citibank to dispute several fraudulent purchases on my Citi XXXX card. The amounts were {$10000.00} ( XX/XX/2018 ), {$9100.00} ( XX/XX/2018 ), {$100.00} ( XX/XX/2018 ), and {$620.00} ( XX/XX/2018 ). I am not sure of the date I first informed them of the purchases but it was within a month of the last transaction. 

Citibank investigated my dispute claims and ruled against me. Their main reasons were : 1 ) the total amounts of the fraudulent transaction was within 98.58 % of my credit limit ; it was too close to be considered a real " fraudulent '' purchase, nor considered a coincidence 2 ) the online account was accessed before, during, and after the fraudulent transactions occurred, My arguments against their reasons : 1 ) the fraudulent purchases were conducted in person in XXXX, XXXX. I submitted copies of my passport to proof that I was not in XXXX at any of the time of the fraudulent transactions 2 ) I use several online based account aggregation services and these services may have logged in to the Citibank website on my behalf. 

After reviewing my arguments and passports, they ruled against me.
Consumer complaint received 2020-05-29
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: TCF NATIONAL BANK (IL)

On Saturday XX/XX/2020, I made a cash deposit at the authorized TCF ATM location at the amount of {$500.00}, one I made the deposit I was expecting to receive a receipt. Instead of receipt the ATM screen said the transaction can not be complete. It did gave me my card back, no receipt, no money, all I got was empty screen with a phrase the transaction can not be complete. 

Reminder I deposited that {$500.00} in cash because I need this money to cover my bills that I already mailed. 

XX/XX/XXXX I made a call to TCF Bank to let them know about what happened, gave them the address oh the ATM, explained that that I need the money deposited as soon as possible, because i have already paid my bills! If I I have known that the ATM was broken I wouldnt use it. The lady told me Ok, the case is open we are gon na investigated XX/XX/XXXX I am calling back TCF Bank to inquire about my money, my bills need to be paid! TCF Bank Representative : We have not updated for you, the investigation is pending XX/XX/XXXX I am calling TCF Bank to inquire about my money, panicked! TCF BANK REPRESENTATIVE : Investigation is still pending, it may take up to 5 business days for us to know something Me : I need to pay bills, I dont have money for insufficient funds! I am not working! TCF BANK : you may have to pay fees when the checks you wrote clear me : But you have my money? I didnt do anything wrong! 

They have stolen my money! What am I to do? I dont have any more money, that XXXX was to cover my bills! Help me please!!!
Consumer complaint received 2020-11-25
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: CBC Companies, Inc. (WA)

XXXX XXXXXXXX XXXX XXXX - Closed 1 late payment Account Info Hover over labels for more details Account number XXXX Account status Closed Date opened XX/XX/2016 Account type Auto Loan FCRA violations if it cant be fixed must be removed Law disputed this item over 45 days timed allowed XXXX XXXX is in violations of FCRA and Fair DEbt 4 ) " Credit bureau '' means a person who, for compensation, gathers, records, and disseminates information relating to the creditworthiness, financial responsibility, and paying habits of, and similar information regarding, a person for the purpose of furnishing that information to another person. 
attach are case studies they have been in Violations of quite some time
Consumer complaint received 2022-01-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-12-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bliksum, LLC (CA)

Im trying to restore my credit after a Long span of trying to survive ... 

This loan was a predatory online loan taken out under stress ... 

After filing a dispute with XXXX  the predators jumped the loan from XXXX to over {$2500.00} on my report ...
Consumer complaint received 2020-05-29
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (SC)

I was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. These are many derogatory items that do not belong to me. Please remove these items from my account. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX  XXXX, XXXX XXXX, XXXX, DPT EDXXXX, XXXX XXXXXXXX, XXXX XXXX   XXXX, Original Creditor, XXXX  XXXX XXXX, XXXX, XXXX XXXX, Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX DEPT OF ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-05-29
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. (VA)

I hired a credit repair company ( XXXX XXXX ) to help remove negative things from my credit report. Account with XXXX XXXX with a date of XX/XX/2004 should no longer appear on credit reports as it is past the statute of limitations. It still appears on XXXX, Equifax, and XXXX, even after attempts of removal with credit repair company on my behalf.
Consumer complaint received 2018-09-27
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: STERLING JEWELERS, INC. (VA)

On Wednesday, XX/XX/XXXX, an employee at XXXX XXXX affiliate store, XXXX XXXX, signed me up for an unauthorized account. I was never shown a credit card brochure, told about a credit card, or anything of the sort. I have had to work with the credit bureaus to have this credit account removed from my records. The company was not concerned at all - they have an employee requirement to sign customers up for a specific number of credit cards a month, which likely fosters the employee 's desire to do this. The employee, in his haste, to sign me up for an account used my middle name as my last name. I was able to get this credit card removed from my credit records, however it did impact my credit score.
Consumer complaint received 2021-05-19
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc. (MN)

I used this clinic XXXX XXXXl XXXX XXXX XXXX XXXX A, XXXX XXXX, NV XXXX XXXX service since XXXX The did a lot of work on my teeth In XXXX they recommended deep cleaning and one of thing called irrigation they said my insurance wont cover that and i have to pay them I already did paid for that service out of pocket In XXXX start having pain in one of the tooth they fixed and put a crown on I went back to the clinic the dentist who was working with me wasnt there and they new dentist noticed that they messed up my teeth so the send me to a specialist within the same clinic And she confirmed they did a mistake and they will refund me what i paid of pocket which is {$300.00} I havent received that check yet and I forget about since I dont live in XXXX XXXX anymore Now I received a call from collections agency regarding that service which I already paid for
Consumer complaint received 2019-03-04
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: ID Analytics, Inc. (CA)

I I got scammed online by an individual that i do not know, accounts had been opened in my name, this person had stolen my identity, I have contacted police the told me to file XXXX FBI report and an FTC is attached to this complaint. Please block this fraudulent accounts from my credit file.
Consumer complaint received 2019-08-09
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: ERC (WV)

In XXXX, 2019, I received notification via identification/credit monitoring agency of a derogatory item on my XXXX  credit report. Upon review of my XXXX  credit report, I noticed a report of collection by " XXXX XXXX XXXX XXXX  '' ( XXXX XXXX XXXX, XXXX XXXX, MN XXXX. Phone ( XXXX ) XXXX ) for the sum of {$130.00}. The original creditor was listed as " XXXX XXXX. '' ( Original CR entry attached. ) On XX/XX/2019, I filed a dispute with XXXX  indicating that this is NOT my account. On XX/XX/2019, XXXX issued a letter stating : " After reviewing your dispute, we found the information you disputed does not currently appear on your XXXX credit report. '' Apparently, XXXX XXXX XXXX XXXX had withdrawn their reporting. 
On XX/XX/2019, I received another notification of another derogatory item on my XXXX  credit report. Upon review, I noticed that this was for the same {$130.00} to XXXX XXXX. This time, however, the account was reported by " Enhanced Recovery Co. '' ( XXXX XXXX XXXX, XXXX, FL XXXX and/or XXXX XXXX XXXX, XXXX, FL XXXX. Phone ( XXXX ) XXXX ). 
It appears that in anticipation of a pending nullification of the account in question, XXXX XXXX XXXX may have sold the disputed account to Enhanced Recovery Co. This seems like an unethical business practice. No honor among thieves, though, I guess. 
My issues are, first, this is NOT my account. Secondly, how can this account ever be properly addressed if every time it's disputed, it gets sold to another collection company? And finally, how can a collection ever " time out '' if these collection companies keep bouncing them back and forth, resetting the clock. It was sheer luck that I noticed this. Thanks to " XXXX '' for the heads up. I never received any notice from XXXX XXXX XXXX or Enhanced Recovery Co! Without monitoring, this may have followed me forever! And it's not even mine! This seems like fraud to me!
Consumer complaint received 2020-05-29
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. (VA)

I hired a credit repair company ( XXXX XXXX ) to help remove negative things from my credit report. Account with XXXX XXXX with a date of XX/XX/2005 and a XXXX dollar balance should no longer appear on credit reports as it is past the statute of limitations. It still appears on XXXX, Equifax, and XXXX, even after attempts of removal with credit repair company on my behalf.
Consumer complaint received 2019-03-04
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (MN)

My Wife received a letter from Wells Fargo Remediation Subject : Update on potentially unauthorized Wells Fargo deposit account you may not have authorized, which has since been closed. 

States : Impacted account ending in : XXXX XXXX XXXX