davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-02
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A. (FL)

The owner of the acct is XXXX XXXX XXXX. She opened up the accounts savings and checking, with the full information from the Citi Bank Official, Ms. XXXX XXXX, located at XXXX XXXX XXXX, XXXX XXXX, Fl XXXX with a Ph # of XXXX. 
Ms. XXXX, explained the same thin I knew through my son-in-law, XXXX XXXX XXXX, that he and my Daughter XXXX XXXX XXXX, knew from another branch and their Rep. XXXX XXXX, that this Citi Gold Acct, that would pay {$1500.00} after 60 days of investment to me and my son in law would get {$200.00} for his referral of me. The {$1500.00} would be paid between the 60th and 90th day, but so far Citi Bank has only paid the {$200.00} to my son in law, but nothing to me at all. There seems a lack of communication, because No additional paper printouts were given to me, until another Ms. XXXX XXXX, of XXXX XXXX XXXX, XXXX, Fl XXXX started sending paper work to me after the fact that both the 60th and 90th days had gone by and still I haven't received my {$1500.00} in both my savings/checking accts. 
It has been explained that my son in law Mr. XXXX and my Daughter received their {$200.00} referral money after their 60th day and got their {$1500.00} way before their 90th day. 
So why am I being treated differently??? That's why I'm making this complaint with the Office of the Comptroller of Currency, to get what belongs to me!!!! Other complaints made to Citi Bank in XXXX XXXX, Tx are these following complaints are # XXXX. This one says that yes my money should be paid out, but it hasn't, so what is the hold up?????, the other referral is XXXX, which in a letter says, We have conformed that your account has met the necessary requirements to qualify for PROMTION XXXX, so You can call the SAT Office at tell them to issue my money IMMEDIATELY!!!!!!! 
It's unbelievable that a bank that makes {$20.00} XXXX every quarter according to Wall Street Reports acts this way from people who are honestly trying to make some money from LIFE SAVINGS!!!! 
I urge to please put pressure on CITI Bank, on their practices and resolve this issue with me.
Consumer complaint received 2020-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Exeter Finance, LLC. (IL)

I been asking Exeter to provide me more information on a account that they been reporting on my account for 6 years Been asking and calling since XXXX 2020. With no response. Was asking for contract. Payment history and what the vehicle was sold at a auction. Paper work from auction.
Consumer complaint received 2020-08-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (TX)

On XX/XX/2020 a Debit card transaction for {$120.00} posted to my checking account for a " XXXX XXXX Texas '' transaction. On XXXX XXXX,2020 contacted Chase Bank disputing the charge and a reversal was done pending an investigation, my debit card was cancelled and a new one issued. On XX/XX/2020 a claim reversal was done applying the {$120.00} back into my account. XX/XX/2020 contacted Chase whose explanation is a " chip  '' Visa card was used at the location where the charge took place therefore legitimizing the transaction. I have never, either now or in the past had services rendered from this vendor and I have not loaned my debit card to anyone. I am XXXX  years of age and due to Covid 19 this was a time of " lockdown '' in the city of XXXX Texas therefore both my wife and I were not leaving our home other than for groceries and medicine. I have been a client of Chase Bank for more than 20 years and my balances have been modestly substantial and {$120.00} will not put me in financial stress however I did not authorize the charge and I would like my account credited said amount. 
Chase refuses to do anything because they are unable to get the funds reversed to them from VISA which tells me they could care less about my claim being honest and genuine. So, being the little guy I have to take the loss because Chase Bank and VISA can  substantiate a computerized report without verifying or talking to the vendor. I am very disappointed in the manner Chase Bank has chosen to handle this claim and their refusal to look deeper. Any assistance you can provide will be greatly appreciated.
Consumer complaint received 2019-09-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: U.S. BANCORP (OH)

Credit card with US Bank, Kroger Rewards World Mastercard, balance currently {$2100.00}. Have made payments regularly, no late payments to any creditor on my record. I had an introductory rate on part of the balance that expired last month. Received correspondence today raising interest rate from 20.99 % to 26.24 % effective XX/XX/XXXX. The reason given is high credit card balances and too many accounts. The card has been active approximately 2 years or so, I have not used it in many months, again, no late payments anywhere in my history. My telephone complaint was met with indifference.
Consumer complaint received 2021-10-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO. (WA)

On XX/XX/2021, I initiated a {$290.00} funds transfer on chase.com from my XXXX XXXX XXXX to my Chase XXXX. ( The XXXXXXXX XXXX  XXXX was verified a few weeks ago by Chase via trial deposits, and a transfer had previously been made from my XXXX XXXX to my Chase XXXX, via chase.com. ) An hour or so later, I received the following e-mail from Chase : Transfer Cancelled We encourage you to sign in to read your Secure Message because it contains specific information about your account. 
View your secure message in two ways From Chase Mobile, go to your profile and choose " Secure Message Center '' At XXXX just sign in to your account. 
The secure message will expire on XX/XX/2021. '' I logged in to Chase.com, and received the following message : " Important : We locked your account due to suspicious activity. 
To unlock it, call the number for your account or reach out to your servicing team. 
Chase Personal or Chase for Business : XXXX Chase Connect : Contact your client service representative Keep in mind : You won't be able to see your statements and notices until we unlock your account. '' I spent a full 3 HOURS waiting for someone at Chase to come on the phone. " XXXX '' told me that this was a RANDOM verification that Chase was making. XXXX  then asked me what number he and I could call at XXXX XXXX, to verify I owned the " from '' account. Fortunately, XXXX came on the bank in just a few minutes, unlike Chase which took 3 HOURS. XXXX verified I was the owner. 

Here is the issue : IF CHASE IS GOING TO RANDOMLY VERIFY ACCOUNTS TRANSFER, AND LOCK BANK ACCOUNTS, THEN THEY NEED TO ADEQUATELY STAFF THEIR CALL CENTER. It is absurd and horrific customer service to randomly lock me out of my bank account, and for me to have to take 3 hours out of my work day to get my account unlocked.
Consumer complaint received 2021-07-13
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: HYUNDAI CAPITAL AMERICA (NY)

I've been disputing fraud accounts on my credit report since XX/XX/2021. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 60 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.
Consumer complaint received 2020-08-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (CO)

I purchased a house on XX/XX/XXXX and had my credit report ran previous to that date. My credit cards were sitting higher on the balance side, due to purchasing the home ( buying products/paying for things to get out of a home lease ). So, my balances were a tad bit high but within ' the credit limits. 

Citibank terminates my cards prior to today XX/XX/XXXX. 
Their reasons were defined : " revolving balances are at or near credit limits ''. This is absolutely absurd. I have a credit limit for a reason. I am not over my limit, I am not exceeding. I am AT or NEAR the limit. 

This is completely discriminatory. This company approved my credit limits and are now cancelling me because I am *NEAR* the balances and they decide to cascade the information to me and leverage their poor " Fair Credit Reporting Act '' legalities and their absurd policies. This is not appropriate and is a horrible experience. Considering the 3 cards I had with Citi, only one was near the credit limit. The other two were fine. 

My revolving credit is generally LOW. 
I have LOW credit limits - purposely.
Consumer complaint received 2019-09-06
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 — Was not notified of investigation status or results
Company: DISCOVER BANK (GA)

I've disputed this Discover account several times. This account was not investigated by XXXX, XXXX or XXXX. The information I received from these credit reporting agencies specifically says it was. The information that I will attach will prove that it was not investigated. This is not only time that this has happened with these credit reporting agencies. I will also send this complaint and information to the attorney General. It seem that this is done purposely by these agencies or the agencies are not being investigate as they have stated. This Discover account has XXXX Balance and still not sowing on my report. Which I've requested and received this information from Discover. I never received any proof and information that was requested that it was in fact ever investigated.
Consumer complaint received 2023-01-23
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. (NY)

The list of account below have violated my Federal Protected Consumer Rights, to privacy and confidentiality under. 15 USC 1681. Which is under the Fair Credit Reporting Act. 

( XXXX  ) ACCOUNT # : XXXX. / ( XXXX XXXX XXXX XXXX XXXX ) ACCOUNT # : XXXX. / ( XXXX XXXX ) ACCOUNT # : XXXX / ( XXXX XXXX XXXX XXXX  ) ACCOUNT # : XXXX. Has violated my rights. 

U.S. Code 1681 Section 602- ( a ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy U.S. Code 1681 Section 604- ( a ) ( 2 ) it also states a consumer reporting agency can not furnish account with out my written instruction U.S. Code 1681 Section 605- ( b ) ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18 U.S. Code 1681c - ( a ) ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

U.S. Code 1681s -2 ( 1 ) ( a ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2019-09-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Synovus Bank (TX)

This company is reporting a delinquent balance of {$190.00} every month for a secured account that was opened with {$300.00} of my own funds. Every month, I get a monthly statement for the account with a {$0.00} minimum payment due and a credit of {$1.00}, of which I will attach the bill. I have tried to contact the company to resolve this, as I am a XXXX XXXX Veteran and live on a limited income. I contacted the company initially when I became XXXX through service. I am given the run around with no resolution to this debt, only the company reporting negative information month after month.
Consumer complaint received 2021-09-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC (NJ)

SEQUIUM AT XXXX XXXX XXXX, XXXX XXXX XXXX, GA XXXX has been sending me collection notices in the amount of XXXX, the collection has been reported as past due. I do not know this company. I have never done any business with this company. this company does not have a contract with my signature.
Consumer complaint received 2020-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS DOES NOT BELONG TO ME AND IS IN NO WAY RELATED TO ANY TRANSACTIONS THAT I HAVE MADE IS THE PAST. I HAVE NO IDEA HOW THESE ACCOUNTS GOT ON MY CREDIT. IT IS CLEAR TO ME THAT SOMEHOW THESE ACCOUNTS ARE ALL FRAUD RELATED. THIS SITUATION HAS CAUSED A GREAT DEED OF STRESS ON MY CREDIT AND TO ME PERSONALLY. THEREFORE I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.
Consumer complaint received 2018-11-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: GOLD KEY CREDIT, INC. (OH)

My credit report reflects a balance of {$380.00} unpaid from Gold Key. 
This is a medical bill charge. I was unemployed at the time, and granted financial assistance, taking my balance down to {$76.00}. This was paid. I had to send backup information of my unemployment and no unemployment benefits multiple times. I also had to send my husband 's information. This was received and I went to the highest supervisor at the medical company who gave me the amount due, and had a bill sent. Due to incompetent representatives, this went on for months. The bill was finally sent and paid XX/XX/XXXX. It did not clear until XX/XX/XXXX. There was no balance due of {$380.00}. Bills were paid, or financial assistance was granted. No collection agency should have ever touched this account because I was working with the medical company directly. 

Email 1 shows much of my communication back and forth.
Consumer complaint received 2018-11-27
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem making or receiving payments
Company: CITIBANK, N.A. (NJ)

I have opened the citi checking/saving account on XX/XX/2018 but approved after XX/XX/2018 -- see the email proof I have received from citi. There was a promotion {$400.00} cash bonus after Maintain a  minimum balance of {$15000.00} in your eligible linked checking and/or savings account for 60 days.Get {$400.00} deposited to your account! I opened on XXXX XX/XX/2018 but I have received email on XX/XX/2018 saying that my account is active. I start deposited the checks total {$15000.00} before XX/XX/2018. The citi denied {$400.00} promotion because there saying I didn't deposit within 30 days. I did deposit before 30 days. The citi is counting days when I applied account online not my from when account is approved.There are saying I opened account on XX/XX/2018 but I couldn't use the account till XX/XX/2018. 

Email proof when account is active. 

Dear XXXX XXXX, on Tue, XXXX XXXX, XXXX XXXX Congratulations! You are on your way to becoming a new Citibank account holder. There are, however, a few more steps to complete before you can start using your account. 

Important : Click here for the additional steps required to activate your new account. The sooner you complete these requirements, the sooner you'll be able to take advantage of all the benefits of your Citibank relationship, so please respond today. 

We look forward to welcoming you as a new customer of Citibank. We are committed to the quality of our products and services and look forward to providing you the best service possible! 

Sincerely, New Account Opening
Consumer complaint received 2018-11-27
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. (CA)

Equifax has been non-compliant with removing the unverified account Bankruptcy Discharged CH-XXXX  which has been deleted by XXXX   and XXXX. XXXX and XXXX  have both completed their research and determined that Bankruptcy Discharged CH-XXXX  was not established by myself but Equifax keeps verifying this accounts. Also, when I called the company they responded that Equifax did not send them all of the verifying evidence to confirm each account is unverified.
Consumer complaint received 2021-10-02
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Received a loan you didn't apply for — 
Company: COMMUNITY CHOICE FINANCIAL, INC. (AZ)

I had an existing loan with cash 1 from a few years ago. I paid on time and never defaulted. Over the summer of 2021 they stated that I renewed my loan and re-borrowed over a XXXX dollars. I explained that over the summer my phone was stolen along with my bank cards, I had a wallet phone case. I cancelled all cards and advised cash1 that they withdrew the wrong monthly payment amount. They stated that I borrowed more so my loan went up. I asked them for documentation to prove that it was me who asked for the loan, they couldn't provide it. In the past they've asked for a car registration, id, bank statements, a current paystub, and 3 references which they call on the spot. I spoke to their legal team who were condescending and lied that they had me on tape walking in and getting the loan. They also lied that they had current documents to support that I asked for that refinanced loan. They haven't provided any documents to support their claims and refuse to negate the new balance. They also went on to verify a new employment of mine and stated they could garnish wages meanwhile they never contacted me about resolving this issue prior, which I know is illegal. They now won't take my calls which is odd since they harassed me all the time in the past years even though I was making timely payments. They're preditors and do shady business. High interest loans that exceed the norm. I want them to remove the fraudulent loan. I would be willing to pay the original loan from a few years back without the fraudulent loan added on although, due to their extremely high interest, I've already paid that loan over and over.
Consumer complaint received 2020-08-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: JPMORGAN CHASE & CO. (NY)

i did a debt resolution program back in XXXX of XXXX all accounts were added and resolved in XX/XX/XXXX. i reached out to the company that arbitrated the process and they told me once the balances are paid in full, the accounts will be deleted off my report and my credit score will start to rise again. i just pulled my report and i noticed the charges are still there. 

the accounts are as follows : JPMCB ending XXXX was opened XX/XX/XXXX date closed XX/XX/XXXX and paid XX/XX/XXXX JPMCB ending XXXX was opened XX/XX/XXXX date closed XX/XX/XXXX and paid XX/XX/XXXX XXXX XXXX ending XXXX was opened XX/XX/XXXX date closed XX/XX/XXXX and paid in full no date was given only states it was charged off. 
XXXX ending XXXX was opened XX/XX/XXXX date closed XX/XX/XXXX and paid XX/XX/XXXX XXXX XXXX XXXX ending XXXX was opened XX/XX/XXXX was closed XX/XX/XXXX and paid XX/XX/XXXX XXXX ending XXXX was opened XX/XX/XXXX was closed XX/XX/XXXX and paid no date given only states it was charged off.
Consumer complaint received 2021-10-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I am an identity theft victim who's right on the federal law have not been protected. Over the course of the last three to four months I have worked vigorously to correct the damage to my financial reputation. I've even had the assistance of several restoration specialist from XXXX in particular aid in this endeavor. Yet as of today these items and many more now are still present on my credit report that serves no purpose other than to cause inflammatory prejudicial harm to my financial reputation and credit reports. Be outright benign effort on behalf of XXXX and transunion to throw up federal laws in regards to my identity theft case that's prevented me from securing funding for my business as well as to purchase a vehicle. I'm a single XXXX   of XXXX  XXXX  without a vehicle for transportation and my financial accounts have been drained to nothing. I have supplied the necessary police reports, FTC affidavits, as well as verification of my personal identity. There are federal laws and state laws as well that govern how they are supposed to deal with identity the victims yet in my case they have not been adhered to nor respected at the very least. Clearly no one individual can purchase five to six vehicles within a two and a half year period of time and default on all as one example. In fact as some items have been disputed and deleted multiple other practitioner accounts for added to my reports with malice. In those situations some of the same items that are on my credit report in XXXX some which were deleted as a result of the shoes they are now resurfacing again on my credit report and valid debts. There has to be some level intervention by some entity that can help in the resolution of this horrific nightmare. So far transunion and XXXX particular have not accepted that responsibility.