davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-03
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: Experian Information Solutions Inc. (IL)

i was young and didnt know anything about credit. when i checked my credit report i noticed i was a victim of idenity theft. there are accounts that i never opened. i do not understand how this was even able to happen. i have a fraud accounts : XXXX  XXXX acct # XXXX {$730.00} ( ive never had XXXX  and XXXX  is no longer in business ) XXXX XXXX acct # XXXX {$660.00} ( ive never stayed in florida a day in my life ) XXXX XXXX XXXX XXXX acct # XXXX {$1500.00} ( i never stayed in florida ) XXXX XXXX
Consumer complaint received 2022-02-08
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: EQUIFAX, INC. (CA)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report immediately
Consumer complaint received 2022-05-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MI)

I received a letter from CFPB on XX/XX/XXXX, that you closed my complaint to protect my PRIVACY. I called Equifax after I purchased a credit report from XXXX XXXX on XX/XX/XXXX. After receiving a copy of my report, I saw these Account : XXXX XXXX Balance Owed : {$0.00} Date Opened : XX/XX/XXXX ( Late 30 days XX/XX/XXXX ) / ( Late 60 days XX/XX/XXXX ) on my credit report which is UNKNOWN to me. This is disappointing because I have been paying XXXX XXXX to get a report every month and I have been disputing fraud accounts on my credit report all this time. One of the staff told me to visit https : //www.ftc.gov/ and Report the Fraudulent account and have them UPDATE from my credit file. Ive attached a copy of the identity theft report ( FTC report # : XXXX ), and guess what I found? Per Fair Credit Reporting Act Section 605B ( a ) the credit bureaus are required to update/correct any account which was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

A copy of my Registration Certificate, drivers license, and Social Security Number are all included in this complaint. I want you to know that I am telling the truth and by Equifax not correcting this account is inadvertently resulting in me being extorted.
Consumer complaint received 2022-08-24
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble getting information about the card
Company: GOLDMAN SACHS BANK USA (PA)

I XXXX XXXX, a natural person and consumer, recently applied for money, goods or services primarily for personal use on credit with Marcus : by Goldman Sachs. I then received a letter informing me that their organization was unable to approve my application. As a result, they have failed or refused to issue me an account as a creditworthy consumer. 
As you know or should know, it is prohibited to take adverse action against a consumer pursuant to Equal Credit Opportunity Act codified at 15 USC 1691c for which they may be held criminally and civilly liable for your violations of 15 USC 1642, 1681m and 12 CFR 1002. 
Pursuant to 12 CFR 1002.7 A creditor shall not refuse to grant an individual account to a creditworthy applicant on the basis of XXXX, marital status, or any other prohibited basis. 
Please referenced the attached evidence as proof of my application for credit and your refusal to extend credit. Pursuant to 12 USC 1602 ( p ) Marcus : by Goldman Sacks have made unauthorized use of a credit card by utilizing my social security credit card in which I received no benefit. 
Pursuant to 15 USC 1602 ( L ) The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. Thus Marcus : by Goldman Sachs fraudulently used my credit device to obtain money and provided me no benefit from such use.
Consumer complaint received 2022-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN EXPRESS COMPANY (FL)

XXXX Dates Of CO ( Charge off ) are not matching card numbers and the CO is for XX/XX/XXXX and not XX/XX/XXXX ( Printscreen sent of XXXX ) and also account closer of 1099-c provided screenshot. Please rectify the charge off to XX/XX/XXXX and not XX/XX/XXXX XXXX
Consumer complaint received 2022-05-24
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 acorddance with fair credit act XXXX XXXX XXXX has violated my rights 15usc 1681section 602XXXX states i have the right to privacy 15 usc section 604A it also states a consumer can not furnish an account without my written permission or instructions XXXX XXXX reference XXXX XXXX XXXX XXXX  XXXX XXXX XXXX account XXXX XXXX XXXX XXXX XXXX account XXXX
Consumer complaint received 2022-05-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Synovus Bank (RI)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-03-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A. (FL)

I was looking to open a new checking account online and chose Citibank because they were offering a bonus if you kept over $ XXXX a checking account for a few months. To be safe I kept well over that ever since I open the account last XX/XX/XXXX. Unfortunately, when I went to apply online three times in a row their website kept failing. Eventually, I got through to somebody on the phone and she said it would be no problem and she could open the account for me with that promotional code that was going on. I pulled a large sum of money out of another bank that I had and put it into Citibank immediately and did not touch it. I also set up direct deposit for a brief time since that was one of the requirements. I waited months and months and I never saw any promotional bonus added to my balance. I called Customer Service three different times and two different disputes were open, the customer representative advised me that I should have received the credit already and thank you for being patient. He would escalate this. The next person I spoke to told me that dispute was closed due to me not meeting the requirements then after reviewing it, they realized I did. They opened a second claim, and told me that they would contact me within 15 business days. No one reached out to me so I called again this past weekend, and they told me that the second dispute was closed and I did not qualify for the bonus money. The promotion was going on when I signed up or else I wouldnt have signed up and kept that much money in a regular checking account The only reason I had to do it on the phone is because their website was having an issue which they all have a greed on. I would like the hundreds of dollars that I should be promoted for oily keeping a large balance in my checking account as promised. I do not have the reference number from the first dispute but I do have the second one that I was told would be resolved. However, when I called today, they said absolutely not. This is completely wrong. Ive been very patient my last call before this weekend was on XX/XX/XXXX. Reference number citi XXXX. 

Their page statement : Open a new checking account in an eligible account package from XX/XX/XXXX through XX/XX/XXXX and earn a cash bonus of up to {$2000.00} after completing required activities. 
Simply deposit qualifying funds within 20 days of account opening and maintain your balance for an additional 60 days from the 21st day to unlock your bonus. 
Only New-to-Citibank checking customers can take advantage of this offer {$300000.00} OR MORE {$2000.00} {$200000.00} - {$290000.00} {$1500.00} {$75000.00} - {$190000.00} {$1000.00} {$30000.00} - {$74000.00} {$500.00} {$10000.00} - {$29000.00} {$200.00} Note : keep balance of XXXX to avoid $ XXXX  monthly fee
Consumer complaint received 2022-05-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (MD)

I made a Chase Travel purchase {$460.00} on XX/XX/XXXX and should get {$50.00} annual travel credit as part of Chase Sapphire benefits. On XX/XX/XXXX and XX/XX/XXXX, I contacted Chase Sapphire customer service twice inquiring about why i did not get the {$50.00} credit, on both occasions were told the charge was not eligible due to the date. After conversation with a manger, he said it should be eligible so submitted an escalated ticket on the issue. 
On XX/XX/XXXX, without getting response after one month, I called customer service again, this time a manager said the date is eligible, it's the charge itself is not eligible. So I asked what about the charge is not eligible, and how to make it eligible next time. She said she does not have the details, all she know is that it's not eligible and they don't need to give me a reason. 

As a consumer, I have the rights to know why a charge is not eligible for the travel credit as promoted - date? Type of charge? Instead of being told " we do not have more information and if you don't have another question, I have to end this call '' - what an attitude from customer service!
Consumer complaint received 2022-02-08
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (SC)

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 2022-02-08
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: PNC Bank N.A. (CA)

I wired money from my chase account to XXXX XXXX, Account # XXXX for {$25000.00} onXX/XX/XXXX. the bank name was BBVA and changed to PNC XXXX XXXX never received the money so I went to branch with XXXX and I was told that I must recall the wire which I did but my money never been refunded to my account. I contacted my bank and I was given case # XXXX, XXXX After few months, my bank told me that they sent six follow up messages to them between XX/XX/XXXX andXX/XX/XXXX unfortunately we have to close a recall request because the beneficiary bank would not respond to us. Please see attached letter from my bank.
Consumer complaint received 2017-08-14
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

I have wrote numerous amounts of letters as to proof or actual application to the inquiries since I am a victim of identity theft and dont recall applying for these accounts. I also wrote to the major credit bureaus and nothing has been resolved
Consumer complaint received 2022-02-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Chime Financial Inc (WI)

Hi my name is XXXX XXXX i opened a account with chime about 4 weeks or maybe more and prior to opening this account i was working for and older fella that as past away and his son jon was spose to pay me for the work that i did for XXXX and i worked for XXXX for 3 months without pay but a few buck here and there cause we agreed on me getting XXXX that is why i opened up achime account and since i opened up a chime account i was sitting in my hotel room one day bout 2 weeks ago and i got an email that my email that was on my chime account got changed and because of having two strokes in my life i have brain trauma and mental XXXX and memory loss but i called chime right away to talk to them about it and then some time after i had put a hold on my account after talking with chime someone changed all of my info on my chime account and now i have been drealing with chime support for the last 2 to 3 weeks of them telling me that i need to senf in verification details so i did that at least 3 to 4 times sland gave them the email and phone number and a few pic of me holding up a piece of paper with my id for verification and i did that and nothing at all and i had two deposit put into my chime account two weeks ago snd now i cant even get access to none of my money that i worked for it was two jobs that i did for the money that i got deposited into my chime account but chime as done nothing to get my account back so now im out XXXX on one deposit and 60 on the other deposit so i have been struggling ever since i have worked for XXXX and now chime does not want to help me get my money back ormt account bsck from the person who stole my money and account and i dont no what to do cause of my XXXX so if someone could help me out to get my funds back so i can better my life that would be greatly appreciated and because of my brain injury i do not understand thing i read and or are told to me so yhe money that was taken from me was to get my life back on track to get my license back and to get a vehicle so i have to put my life on hold again so i can get this taken care of buu i need that money as soon asXXXX possible and they can put it into my XXXX XXXX  account and if they need my account details then the ceo of chime can call me and i want himor her to handle everything on getting my money to my XXXX XXXX account after they call me to get my bank details
Consumer complaint received 2019-07-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (PA)

My mortgage was discharged in Chapter XXXX on XX/XX/2018. 
XXXX XXXX sold my mortgage to XXXX a Credit Collection Company. My lawyer sent them a letter explaining they are breaking Federal Bankruptcy Law 524. The have ignored my lawyers letter. 
XXXX is continuing to send me certified letters, reporting this on my credit report, and acting like I owe this to them. When this mortgage was discharged by XXXX XXXX XXXX. 

I contacted my attorney again, he explained to me we could file suit, with me again having to put out thousands of dollars, which I already have put out thousands of dollars to get rid of XXXX. 

Why do I have to pay more money to get rid of a company that is breaking Federal Bankruptcy Law. 

It took me 2 years to rebuild my credit score to the middle 600 's since XXXX reported this mortgage ( that doesn't exist ) to the credit bureau my credit score is now in the low 500 's I will never be able to regain a mortgage, buy anything with a decent interest rate, I did the right thing I filed Chapter XXXX, and know am being punished by XXXX, who is breaking the law. 

Where are my rights, without having again to spend thousands of dollars to sue someone who is breaking the law. 

Please find attached. The letter from my lawyer to XXXX, my discharge papers from Federal Court.
Consumer complaint received 2022-09-30
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (GA)

Navient is the student loan service. I've called several times, each time being handed off to more that 6 representatives each not being able to service my call. I've submitted a complaint at Navient, attaching the billing with fees in question, received a callback however my return calls leaving messages have not been returned.
Consumer complaint received 2016-03-15
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC. (AZ)

I tried to access the free credit report through the FTC site XXXX and was unable to access. I decided to pay for it and I was charged {$12.00} for a Equifax report and was unable to access it. This is a ripoff with the FTC promoting it.
Consumer complaint received 2022-02-08
Product: Debt collection — Credit card debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: SYNCHRONY FINANCIAL (MD)

I have attempted to have this account corrected to no avail numerous times as it is outside of the XXXX and its reporting inaccurate information and now we have this issue??? you're in violation of USC 1681 B and you need to delete this account immediately as the dates and the amounts are incorrect, and unverifiable. Please send the account archive file. Do not try and respond in any manner outside of this CFPB portal. Any contact outside of this portal will be considered harassment. Also, during thie investigation, the account needs to cease reporting on my consumer disclosure until the INDEPEDENT investigation is done.
Consumer complaint received 2021-03-10
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. (TX)

I previously disputed a XXXX XXXX XXXX XXXXXXXX Credit Card with account # XXXX opened on XX/XX/XXXX with a balance of {$3500.00} from the first time I saw it on my report back in XXXX because it doesnt belong to me. Over the years, I have sent several certified dispute letters disputing the validity of this item. And I don't agree with Equifaxs or XXXX XXXX 's claims that theyve investigated this item. On my last certified dispute letter to Equifax dated XX/XX/XXXX, I requested that they mail me the proof of their investigation within 30 days. It has been more than 30 days and they have not mailed me the proof. Equifaxs claim that the account is verified it's frivolous and unduly. I provided the reason for my dispute in simple language and they had 30 days to perform an investigation and mail me the proof of their investigation. Because this was not done, Equifax should delete this negative information. It has been a terrible experience dealing with Equifax. I have maintained a careful record of my communications with Equifax for the purpose of filing a complaint with the FTC, the Attorney Generals office, and a local court in Texas should XXXX XXXX and Equifax not remove this account from my Equifax credit reports. See attached
Consumer complaint received 2022-02-08
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: CORELOGIC INC (NY)

There are numerous inquiry on my report that are fraudulent. 
Here 's a list of fraudulent inquiries : Factual Data - date as of XXXX XXXX Factual Data - date as of XXXX XXXX XXXX XXXX  - date as of XX/XX/XXXX XXXX - date as of XX/XX/XXXX XXXX XXXX - date as of XX/XX/XXXX XXXX
Consumer complaint received 2022-02-08
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble getting information about the card
Company: Conduent Incorporated (FL)

The Florida Attorney General recommended that I contact your agency regarding my claim. 

As you will determine from the documents that I will include, I have been trying to obtain the balance of {$2400.00} that was on my Florida XXXX XXXX XXXX since XXXX of 2020.
Consumer complaint received 2022-05-24
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. (CT)

I disputed a Gold necklace Chain I ordered from Macy 's fine jewelry in XX/XX/2021. Months of outgoing investigation unsure if package been located. I called XXXX and USPS as directed by Macy 's credit card team representative. I also inquire USPS carrier who informed packages of that price range are to be picked up at local office. Visited local office no package with my name in facility. Macy's/ XXXX XXXX continue to hold me responsible for something that I never received.