davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (MD)

Last year, I received notice that my Costco Anywhere Visa Card account was to be closed because I no longer had a Costco membership, even though I did. I tried in XXXX to notify them of my membership status. 

In XXXX, my account was closed. I contacted Citibank, who told me to contact Costco. I went to Costco, who told me to contact Citibank, though they called Citibank for me, at which time I explained the issue. Citibank told me over the phone they would reopen my account and send a new card to me.

After two weeks, I tried contacting Citibank again, via live chat on the Citibank website, as I could no longer sign in. I was told that I would not be getting a new card and my account would remain closed. I stated that I could not access my account to pay off the balance. I said I had not received a statement since my account was closed. I had been signed up for paperless statements. He told me that I had been receiving paper statements, giving me a date of the last statement sent, although I hadnt received it.

To date, I have yet to receive a paper statement and a means to pay off my balance, though Citibank has been collecting interest since XXXX on my account, with no way for me to see the charges or pay the balance off. I do get an email notification each month when the automatic payment is made, along with a link to pay a different amount on my balance. That link takes me to the sign in page, of which I can no longer sign into, as I no longer have an open account. 

Citibank owes me for the interest/finance charges accrued since my account was closed. Citibank needs to send me a paper statement showing the corrected balance, so that I can pay it off in full. 

It has been 2 weeks since my last attempt to contact them.
Consumer complaint received 2019-02-03
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Risecredit, LLC (SC)

Letter sent to Rise Credit on XX/XX/XXXX, which is the 2nd attempt to fix this problem : Attn : Customer Support XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone ( XXXX ) XXXX Fax ( XXXX ) XXXX Re : Loan # XXXX ; amount {$1900.00} Facts of Concern : 1. This is not a case of theft or fraud, because there is no evidence in my credit file or problems with any creditors that would indicate that either my identify or credentials have been compromised or breached. 
2. I never applied for a loan in the amount shown above ( {$1900.00} ) at any time. 
3. I will provide Rise Credit with any documentation upon request that is needed to expedite resolution of this matter. 
4. I have been paying on Loan # XXXX ( unknowingly ) which was [ erroneously ] assigned to me by Rise Credit since XX/XX/XXXX. 
5. Rise Credit knows that Money Movement between accounts of interest [ points of exit and entry ] is easy to track and trace. 
6. The funds were never deposited into any of my bank accounts. 
7. Rise Credit can not provide me with a 'Consumer Loan Agreement ' for funds that I requested and verified by any form of signature in XX/XX/XXXX.. 
8. Rise Credit owes me a full refund of all principal and interest payments that I made on [ Loan # XXXX ; amount {$1900.00} ] immediately. 
9. Rise Credit should remove any and all negative statements ( i.e. Lates, Write-off ... etc ) that they have sent to any of the 3 Credit Bureaus Associated with Loan # XXXX immediately. 
10. Upper Level Management ( High Pay Grade ) needs to conduct an investigation of this complaint to determine the cause of this significant Accounting Error ( i.e.Ethical/Moral misconduct of a Rise Credit Employee/Employees versus an unintentional Data Entry Error by any Rise Credit Employee/Employees ). 

Please be advised that I am forwarding a copy of this correspondence to both my attorneys and to the Consumer Financial Protection Bureau today. 

Your expeditious attention to resolving this credit dispute shall be greatly appreciated. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2016-08-26
Product: Money transfers — Domestic (US) money transfer
Issue: Other transaction issues — 
Company: JPMORGAN CHASE & CO. (CA)

My name is XXXX XXXX. I currently bank with Chase. They have a service called XXXX. 
I have used this service in the past successfully. 
On trying to use this service again, I just found out that they changed it. The person receiving the funds is now required to submit their financial information to a third party called " XXXX XXXX '' My con plant is that I was never asked about this, or any discussion submitted The Chase financial institution, without my permission has required my friends to submit thier financial information to an unknown third party with unknown and unvetted credentials. 
This is a serious and onerous breach of trust and SECURITY since the aforementioned bank, Chase, recently experience a massive breach in security, requiring them to cancel all their cards and issue new ones with added security. 

In light of this fact, it seems to me the height of arrogance, insolence, aloofness, superciliousness, chutzpah and disdain by the bank, to subject the customer and the customers financial friends to a third party and unknown security credentials without permission. 
I am extremely disappointed in Chase and their behavior. They are always asking for feedback and customer satisfaction, but I see now that all is is merely lip service and means very little. If they truly were concerned with the well being of their customers, they could have, and would have asked for the customers opinion and carefully weighed the customers concern and explained the matter, instead of acting in such an imperious and 19th Century provincial, highhanded and uncaring manor. 

Thank you. 

XXXX XXXX XXXX.,
Consumer complaint received 2022-11-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (TX)

Good morning my name is XXXX XXXX and im here begging for some help on XXXX XXXX i had someone hack into my account and was able to reverse some transactions and also made some fraudulent checks and cashed out on XXXX leaving me on negative i called my bank ( chase ) right away as soon as i seen some notifications saying i was on negative on both checking and savings so i called right away and they put a temporary credit back but 3 days ago they came back negative again i called spoke to a supervisor and there telling me there was a pin used and that they couldny help me after i told them i been with them for over 5 years never have i had anything like this happen to me and I asked to review there cameras and they told me the case is close and theres nothing they can do about it and i asked them if thats how they protect our money and he told me he couldnt do nothing and so ive wanted to reach out and get help because i feel like this is so unfair that i have to go thru this and not getting no help.
Consumer complaint received 2022-04-21
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. (TX)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC Identity theft report, Identity theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2021-03-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK (FL)

Hello, I had a discover credit card for several years and it was unexpectedly suspended on XX/XX/XXXX. When I called customer service to inquire about the reason, I was informed that they needed to verify my income and that I needed to sign tax form 4506-C to obtain tax return information from XXXX and XXXX. When I asked about the reason for this sudden inquiry, they refused to give me a specific answer and also refused to tell me how long the process might take. I signed the form as requested. I followed up in few days and I was told by the agent that I needed to refill the form and to leave a certain line blank. I was reassured that the corrected form will be used. I also offered to provide more documentation to help facilitate the process and explained to the representative that I had started a higher paying job few months ago and that I am willing to share paystubs or employment contract as proof of income. I was told that was not necessary. Few days later ( XX/XX/XXXX ) I noticed that the mobile app access was resumed but the account was still not active. I had not been notified of any updates from discover. I called customer support and I was informed that my account was closed and they refused to tell me why. I requested to be directed to a supervisor to file a dispute and I was denied that opportunity. I received an email afterwards which states they were not able to verify my income and that my account was closed. 

I have good credit score with excellent financial income and I had never missed a payment. I have always paid my full balance and made a conscious decision to pay my balance in full to avoid paying interest ( which makes me question the motive behind this account closure ). It is distressing to be treated so disrespectfully like this, let alone the financial consequences that this will have on my credit score for a long time. The company was dismissive and made no efforts to follow up, provide updates, or accept my offers to provide additional documentation. Reading other complaints, this seems like a common predatory practice that discover does to close unprofitable accounts.
Consumer complaint received 2022-01-10
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc (TX)

On XXXX I was traveling home from XXXX  to XXXX and started having car trouble. Had to call a tow company and book a hotel as my XXXX kids and I were stranded. Shortly after Chime closed my account with no explanation with over {$800.00} in it. Now Im in a city I know nothing about with my XXXX children and we all have Covid with no money source. I tried calling but the automated system wouldnt let me get pass to speak to a representative. I emailed them 5 times with just a general response received twice! Still no explanation as to why or will they send me a check via mail. My rent is past due, I have no funds and chime wont even give me my funds back or an answer. Ive been with them over 3 years with no prior issues. I receive my child support payments and ctc funds via this account. Ive emailed them my picture ID, my social and a bill assuming that will fix the issue. Still no response!
Consumer complaint received 2022-11-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: WELLS FARGO & COMPANY (CT)

In XX/XX/2022 through a promotional offer, I accepted and applied for a VISA card at Wells Fargo Bank XXXX. This application led to an inquiry logged on my XXXX credit file, this resulted in my XXXX XXXX moving down from XXXX XXXX. 
I received an email from Wells Fargo giving me a reference number, XXXX, stating I should receive a card in 7 days or a reason for not granting me credit. 
Received a letter XXXX XXXX weeks later dated XXXX XXXX XXXX Wells Fargo stating that identity can't be verified, with same reference number and an XXXX # to call. 
I called the XXXX number and a XXXX said send a Government ID, and proof of residence to XXXX. This representative from Wells was talking to another person as we were disconnecting and stated that she was telling some old man to send documents and saying he thinks he is going to get a card, laughing as disconnection finished. That same day I faxed my USA Passport, my XXXX utility bill and my XXXX cable bill. The faxed was confirmed received by Wells Fargo XXXX. 

Again I faxed the same XXXX # on XXXX XX/XX/2022 asking about my application and requesting an answer, yes or no. To this day, XXXX XX/XX/2022 I have heard nothing from Wells Fargo, and I believe this is a overt act of discrimination as well as disparate treatment of a senior citizen. 
XXXX XXXX
Consumer complaint received 2016-04-16
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: CITIBANK, N.A. (CA)

Bloomingdale calls several times each day about a store account. I told them on numerous ocassions that I do not have an account with Bloomingdales and that that my mobile number is a new number and they must be looking for the previous owner of this number. They are relentless and continue to call me.
Consumer complaint received 2022-11-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TN)

I have been disputing this account and requesting validation per the FDCPA since the beginning of the year because the account does is not reporting up to their industry reporting standards. please see my attached documentation. This is my tacking from USPS mail from XXXX XXXX Please help me as this information is reporting incompletely and inaccurately. This company has also failed to validate this account per FDCPA 809. Please help me!!! I HAVE REACHED OUT TO THE 3 MAJOR CONSUMER REPORTING AGENCIES AS THEY CONTINUE TO ILLEGALLY REPORT THE ACCOUNT INFORMATION AS WELL.
Consumer complaint received 2022-11-10
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  Account # XXXX, XXXX XXXX Account # XXXX, and XXXX  Account XXXX 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 2022-02-19
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (OH)

I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.
Consumer complaint received 2021-08-04
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc. (MS)

on XX/XX/2021, i sent SANTANDER CONSUMER USA a letter about the inaccurate information reporting on my credit report saying that i owe XXXX.I even sent them another letter asking for the validity of the debt on XX/XX/2021, in which i haven't received.I would like to resolved this matter and i have attached copies of the letters below as well.
Consumer complaint received 2016-05-14
Product: Bank account or service — Savings account
Issue: Deposits and withdrawals — 
Company: CITIBANK, N.A. (MD)

On XXXX XXXX, 2016 I found out that CITI bank illegally charged me {$280.00} from my personal savings plus acct. I had already filed a complaint against CITI bank per my previous complaint for total XXXX different issues including fraud, unsafe deposit, fail to pay promotional bonus {$900.00} and thank you points XXXX, illegally put XXXX charges each for {$64.00} to my savings plus acct which never occured any monthly fee before. Plus a {$25.00} fee due to theft and unsafe deposit happened transfer fee. 
I can not stand CITI bank illegally charged me another {$280.00}. This bank never brought me any benefits but all losses, harassment, extremely unpleasant bank experience. I am asking this bank to return my money {$280.00} immediately.
Consumer complaint received 2022-11-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Saint Services LLC (FL)

I have been desperately trying to correct my credit report after XXXX Bank and XXXX XXXX made entirely false reports of missed payments on accounts that were never late. The Credit Bureaus have illegally neglected to follow the law. In distress, I signed up for Credit Saint. Their offer was to refund the fee if the issues are not resolved within 90 days. They scammed me for money from me and have not addressed the false reporting from XXXX and XXXX XXXX. My XXXX  XXXX XXXX credit card has flagged them as fraud. I can not believe how injust this entire situation has become.
Consumer complaint received 2022-11-01
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: EQUIFAX, INC. (GA)

This dispute falls under several categories. I had fraud on an active XXXX account. My identity was stolen and a vehicle, credit card and numerous other trades were compromised or opened without my authorization. I have file police report etc and this account was dormant with no activity for years. Now its showing charged off. I dont owe it however to close on my home I paid it at closing in XXXX. The reporting is inaccurate.. didnt owe it because it was fraud.
Consumer complaint received 2022-11-10
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)

Per 15 USC 1681, credit transactionS should not be included on a credit report THIS IS BY LAW A VIOLATION XXXX XXXX AND XXXXXXXX XXXX  AND XXXX XXXX HAVE PUT LATE PAYMENTS ON MY CREDIT REPORT WHICH IS ILLEGAL. 

I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. Please complete your investigation aligned with 15 USC 1681 ( a ) ( e ) guidelines as Congress states.

15 U.S.C 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer. I HAVE BEEN HARASSED BY BOTH OF THEM. 


So i'm going to keep this simple. 

THESE ARE TO BE REMOVED IMMEDIATELY FROM XXXX XXXX AND XXXX AND XXXX XXXX OR YOU CAN LET THEM KNOW IM COMING AFTER THEM IN COURT FOR LOTS OF MONEY PLUS THE {$1000.00} FINE PER VIOLATION. 

I WILL ALSO MAKE AN ADDITIONAL REPORT ABOVE THE ATTORNEY GENERAL
Consumer complaint received 2019-12-09
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (NM)

I initiated a payment via echeck on XX/XX/XXXX. After the funds were taken, I realised they are a scam company trying to collect on old paid debts. I called my bank, JP Morgan Chase, and explained the situation. They said the couldn't help and refused to talk to me further about it. It is over 30 days and no resolution. I need my money back and this matter resolved. After speaking with them multiple times regarding this issue, I was told on XX/XX/XXXX that the only way to protect my account is to close it. I honestly can not believe that they are willing to lose business. They said there is no way to protect accounts from scammers and that because they do not know where or how money will be taken out, the only true way to be protected is closing the account. 

I do not want to close my account, but am now worried that there is no protection at all for my money.
Consumer complaint received 2019-12-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (NY)

In XX/XX/XXXX, I submitted paper work to have my PSLF payments counted and certified ti make sure everything is on the right track towards having 120 qualifying payments. Since then Fed Loans keeps saying that the count is pending and keep giving me the run around. To date I should have either 94 or 95 qualifying payments. My account currently says that I have 9. 

Over the last 15 months I have been in contact with Fed Loans ' customer support on a bi-weekly basis both by phone and email. I even have a " case manager '' and have also escalated things to this case manager 's manager several months ago and they have still not been able to provide me with any information or to give me an accurate count of my loan payments. 15 months is a ridiculous amount of time to wait for this information. Currently, the case manager 's manager is dodging my calls. 

I even provided Fed loans with copies of my bank statements for the payments they were " supposedly missing information on '' to no avail. Attached I have complied an XXXX sheet of all payments known to me. I have bank statements proving all of these payments except the one from XX/XX/XXXX-XX/XX/XXXX. But I would imagine that the Loan companies which are supposed to be tallying these payments should have records of these payments.