davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BARCLAYS BANK DELAWARE (TX)

BARCLAYS BANK DELAWARE credit card services closed my credit card for no reason. 
They claim that have sent letter to me in. I have not received any communication from them in this matter. 

This was my oldest account of all credit accounts I had over 3 years old. 
Again I've not violated any of the BARCLAYS BANK DELAWARE terms etc. 

Never had a late payment pay all my bills on time. I've been with BARCLAYS BANK DELAWARE bank since 2017. I have not received any letter from them. I have BARCLAYS BANK app on my phone and have not received a similar communication. 
I demand that my cards are re -opened immediately. My card has been closed in violation of the Lending Act, EO Act and FCRA act. 

1.BARCLAYS BANK DELAWARE has violated my rights to Safety, by closing available credit line I had at my disposal for no reason, 2.BARCLAYS BANK DELAWARE has violated my rights to be heard since have not taken any action. I've contacted them and they have not heard my concern. 

3.BARCLAYS BANK DELAWARE has violated my right to information, by not sending the communication in all available methods. 

4. BARCLAYS BANK DELAWARE has violated my right to choose by not letting me have a choice and single handedly taken action against me. 

Again I demand Opening my account immediately and recovering and reporting all my history to the bureaus
Consumer complaint received 2020-12-31
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: JPMORGAN CHASE & CO. (NJ)

I was visiting XXXX XXXX XXXX, As soon as i was about to purchase park tickets via my XXXX credit card i was offered a promotion if i apply for XXXX XXXX XXXX Card that if i make a online purchase today i would get {$250.00} Credit and {$49.00} Annual Fee waiver for the first year upon spending {$500.00} in next three months I made those purchases and got qualified for the offer and was credited {$250.00} however was charged {$49.00} Annual Fee, i called Customer service and they said they have escalated this issue and will get the fee waived off and send me a letter. 

after weeks i got a letter that we can not waive off this fee as there is no offer like that available, i called again and made them realize that there was so one who gave us misleading advertising offer for sales purpose and got us stuck with this fee at XXXX XXXX, but chase had no answer and told me they cant do any thing else.
Consumer complaint received 2022-08-10
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. (NV)

I am sending a complaint in response to a notification on my credit report. The file reported is inaccurate and erroneous and is leading to a negative impact on my credit file. The 3 credit bureaus are required to authenticate this account XXXX  XXXX XXXX Balance : {$0.00} Date Opened XX/XX/2019 under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account.
Consumer complaint received 2022-10-10
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: I.C. System, Inc. (SC)

Account # : XXXX Per 1006.34 Notice for validation of debts ; this account is not outside of federal validation period. 
I C SYSTEM You are not a creditor nor original creditor for this account. In fact, I C SYSTEM is a debt collector. I never had an account with I C SYSTEM. Debt buyer are not a creditor therefore on my report where it shows collection agency as creditor it's inaccurate reporting and violation under FDCPA definitions of creditor. In addition, while the collector attempted to collect a debt that is not theirs, they broke 15 U.S. Code 1692k - Civil liability. 

I C SYSTEM please provide the contract signed between yourself I C SYSTEM & the original creditor, notarized and sworn under penalty and perjury for yourself I C SYSTEM ability to collect this alleged debt. 

This is a formal complaint that you are reporting inaccurate and incomplete credit information. XXXX XXXX v. XXXX XXXX XXXX, XXXX. XXXX ( C.D.Cal. XXXX XXXX ), you may be liable for your willful non-compliance. 
Once again per 1006.34 Notice for validation of debts this account is not outside of federal validation period. 

Verification is # XXXX in debt validation law. Verification is a sworn statement/ affidavit of truth. I have also provided you with XXXX XXXX definition of verification below as you are partaking in willful non compliance 15 U.S.C. 1681n - Civil liability for willful noncompliance. I demand proof of delivery letter within 14 days of reporting account. I request certified mail tracking number. If you cant provide the requested information then I demand that you delete this tradeline asap and cease and desist all collection activity including reporting the account. I will take reasonable steps to get justice for the pain you caused me. 

In pleading. A certain formula with which all pleadings containing new affirmative matter must conclude, being in itself an averment that the party pleading is ready to establish the truth of what he has set forth. In practice. The examination of a writing for the purpose of ascertaining its truth ; or a certificate or affidavit that it is true. Verification- is not identical with authentication. A notary may verify a mortgagees written statement of the actual amount of his claim, but need not authenticate the act by his seal. XXXX XXXX XXXX, XXXX Ohio XXXX XXXX. Confirmation of the correctness, truth, or authenticity of a pleading, account, or other paper, by an affidavit, oath, or deposition. XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX ; XXXX v. XXXX XXXX. XXXX ( XXXX XXXX ) XXXX Fed XXXX XXXX ; XXXX v. XXXX, XXXX App. XXXX. XXXX, XXXX XXXX XXXX XXXX. XXXX.
Consumer complaint received 2021-08-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: JPMORGAN CHASE & CO. (IL)

I got alert on the XX/XX/2021 on my XXXX  credit report ENQUIRIES that a credit car is being applied for on my information which I never did. This credit card application is linked to Chase Bank. I dont know whos using my information to apply for credit cards which is totally fraudulent and I want quick actions to be made to the address that the credit card is applied with and bring who ever did that act to book. This is how crime start and Im not in support of anything crime. 

Thank you.
Consumer complaint received 2022-10-10
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: The CMI Group, Inc. (NJ)

Someone fraudulently opened an account in my name in XXXX, Texas using my social. 

XXXX XXXX Acct # XXXX {$100.00} Address : XXXX XXXX XXXX XXXX. 
Unit # XXXX XXXX, TX XXXX This is not my account it is fraudulent.
Consumer complaint received 2023-03-26
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. (TX)

I am a natural person. I am a living human being. I have rights under 15 USC 1681. Equifax is governed by 15 USC 1681. Equifax has violated my rights on numerous occasions. I demand the accounts listed below be removed because according to 15 USC 1681. I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) 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. 
( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Consumer complaint received 2020-12-31
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. (PA)

In XX/XX/2020 a payment through electronic check in the amount of {$5000.00} was attempted to be made on my Sears Mastercard account and this was NOT successful and the funds were reversed on my account. 

In XX/XX/2020 a check issued from a title company was sent for payment on my Sears Mastercard account in the amount of {$5000.00}. This check was cashed on XX/XX/2020 and the funds were not credited to my account. 

I have provided a copy of the cleared check and I've attempted numerous times to resolve on the phone and through the secure website. I've filed a complaint with the credit reporting bureau and their response is that I disagree with the findings although findings have never been communicated to me. My online inquiries have been responded to asking me to call ; I call and I am told a letter has been sent but I never receive anything.
Consumer complaint received 2020-12-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: The CMI Group, Inc. (NJ)

To whom it may concern, I noticed on my credit report, a charge for {$39.00} from credit management LP, without any notice. I never received any letters from spectrum or credit management LP. 
I called the company offering to pay the balance right away and requested it to be removed from the credit beareus. I was told all I can do is pay and I would get a paid in full letter. Then, I can file a dispute but nothing would be guaranteed.
Consumer complaint received 2020-12-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CITIBANK, N.A. (NY)

I have a Bloomingdale 's credit card, which I used to make a purchase in XX/XX/2020. Typically I pay my card ahead of time, but with the pandemic and lots going on with my family 's health, I innocently forgot to make a payment. No one from Bloomingdale 's or Citibank reached out to me. I didn't even know the card was issued by Citibank until I logged into my Bloomingdale 's account online, realized I had missed 4 months of missed payments and called into their contact center XX/XX/2020. Citibank says I didn't receive a reminder for my payment or any notifications for a past due amount because Citibank still had my old information - which I was unaware of, and wondered why on earth they didn't have my updated information because : Before the pandemic, I had moved and updated all my contact information ( address + phone number ) associated with my Bloomingdale 's account - or so I thought. No one told me that I needed to go one step further and update the info with Citibank. I thought I had taken all the responsible steps necessary. The credit card holder agreement does not spell out that the customer is required to take additional steps to reach out to Citibank and update their information. 

Therefore, all paper statements and outreach went to an old address, and calls went to an old phone number. Citibank claims they sent me statements electrionically, which they did, however, 1 ) the email statement comes from a Bloomingdale 's address which went to a spam folder, and 2 ) this is not notification of a late payment - it is merely sending the statement electronically. If Citibank was reaching out using my old contact information with no success, they should have contacted Bloomingdale 's to see if they had the right info. Furthermore, instead of syncing the information which I responsibly updated in my online account, they have told me that it is my fault that I didn't take the extra step to update Citibank. I wasn't even aware of Citibank - given the site is completely branded Bloomingdale 's. 

I find this misleading and an unfair burden to the consumer because the card is 100 % branded Bloomingdale 's and there is no mention of Citibank on the actual card, service phone number, etc. I was thoroughly confused by their lack of ability to sync customer contact information - and if that is not spelled out in the card holder agreement, how am I supposed to supernaturally know that I need to take the extra step of coordinating with Citi, whose brand is not visible to me in any way through the management of my Bloomingdale 's account. 

This is how these credit card companies keep a strong revenue stream - unfairly charging customers for fees, just because they have " policies '' to do so - without acknowledging their misrepresentation of the company I am actually dealing with, and how to manage my information with it.
Consumer complaint received 2020-12-31
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. (NC)

I have sent 3 separate letters each to Equifax, XXXX and XXXX on XX/XX/2020, XX/XX/2020 and today XX/XX/2020 about inaccurate and unverifiable collection accounts and student loans on my credit report. It has been over 6 months and I have not received a single response from anyone. I feel like my dispute letters are being ignored, that they do not matter and that I am being taken advantage of. In section 611 ( a ), it plainly says that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Since it has been way over 30 days these items should be deleted immediately. I demand these accounts be deleted immediately or I will file for litigation due to the stress this is causing me. I am trying to apply for a mortgage and this is preventing me from doing so.
Consumer complaint received 2022-10-10
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: MRS BPO, LLC (MD)

A collection just showed up on my credit, it is not my account. I do not owe this nor is this mine. Please help I got no notification from this company or I would have fought this. It just was reported on my credit file. Please help
Consumer complaint received 2020-12-31
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$3200.00}, {$5500.00}, {$5700.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- OPEN ACCOUNTS 1. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3200.00} -This is not my account. 

2. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5500.00} -This is not my account. 


-- COLLECTION ACCOUNT 3. US DEPT OF ED/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5700.00} -This is not my account.
Consumer complaint received 2021-08-17
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Winklevoss Exchange LLC (FL)

I opened an account with Gemini Trust Co. on XX/XX/XXXX. I deposited {$1000.00} into the account on XX/XX/XXXX. I was able to move those funds to an Earn account. I then deposited {$9000.00} on XX/XX/XXXX and have been locked out of managing those funds since. I have read several of the other complaints filed recently with the XXXX  and they sound exactly like me. I have done several submittals of verification information ie : drivers license, Photo of me holding my drivers license and a note attesting that I am voluntarily adding funds to my account. This is XX/XX/XXXX and they still have my account locked. Just like the other people. I made a mistake when I wired funds on XX/XX/XXXX and immediately notified Gemini of what happened. I had used the same ref no on the bank transfer as I did to open the account. I didn't realize I had to use a new ref number. I emailed them on XX/XX/XXXX and advised them of the error thinking that might be why it was locked. 

The {$9000.00} shows up in my account but I can't trade, buy or withdraw anything. There are over XXXX complaints with the XXXX  for Gemini. Many just like mine. 

This is from XXXX XXXX XXXX website.XXXX XXXX XXXXXXXX. They also report Gemini locking accounts. Let 's see how much money are they managing in the float? 

" Customer Service Gemini does not have much in terms of customer service options. You must create a support ticket via their app or website, and wait for a resolution.

Editor 's Note : We recently downgraded our review of Gemini due to poor customer service and account resolution issues. Be advised that Gemini has been locking accounts and providing no resolution to customers. We had our test account locked without any notification ( discovered on XX/XX/XXXX ), and we could not even get a response until XX/XX/XXXX. The only reason we believe Gemini even responded was due to multiple tweets from our verified XXXX account, along with support from other verified users. We also filed a complaint against Gemini via the New York Department of Financial Services. 

As such, we urge readers to be cautious as we've seen an uptick in similar complaints from readers here, on XXXX, and XXXX. 

Gemini Frozen '' Interesting their problem occurred about the same time mine started. I also reported this to the FTC. They recommended I also file with you.
Consumer complaint received 2022-10-10
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. (TX)

I have reached out to all of the three credit bureaus and they all said this account was accurate, but upon my investigation and research there are lot of inconsistencies and incorrect information. In accordance with the Credit Reporting act XXXX XXXX XXXX Account # 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.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) 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 2019-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (NC)

I had a store card with Macys back in 2015. Unfortunately, I had a financial issue at the time, and the account was charged off. I have since recovered, and started addressing the results of the financial issues I had in the past. I called Macys to pay the outstanding balance they are reporting on my credit report, but they refused to accept my payment. And although they refused to accept my payment, they still refuse to take the account listing off of my credit report. I want this account to show as paid on my credit report, but by refusing to accept my money to resolve the account, and also refusing to take the account off of my credit report, Macys is holding my credit report hostage. Not only is this unfair, it is illegal. A company can not refuse to accept payment, and still continue to report as debt as unpaid.
Consumer complaint received 2020-12-31
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. (GA)

On XX/XX/2020, I received the results of my dispute of my Equifax credit report regarding my XXXX XXXX account. Equifax claimed they consulted the company, XXXX to determine the balance of my account and I do not believe they did so. There is something fraudulent going on. Because I have only a balance of XXXX on my XXXX XXXX and Equifax returned with their dispute results claiming that I have a balance of {$350.00}. This is false. I have attached the results of my dispute by Equifax and I have attached a screenshot of my actual current balance of XXXX XXXX  and it is {$4.00}. This balance was obtained by me logging into my XXXX XXXX  and getting my current balance so I know that the results of the dispute by Equifax is incorrect. Also, I called XXXX XXXX  on XX/XX/2020 and they confirmed that I only have a balance of {$4.00} and this can be confirmed by the ticket # XXXX which was assigned to the conversation with XXXX XXXX. This issue needs to be investigated.