davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc (NC)

On XX/XX/2022, Chime temporarily suspended my account due to an unpaid transfer from an account ending in XXXX. I was told to provide documentation so that my account be reactivated right away. I had provided the documentations several times and they are still claiming they did not receive anything. I emailed Chime my passport front and back, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and an internet bill. I spoke with an alleged supervisor named XXXX for XXXX minutes on XX/XX/XXXX and he stated he got my documents and my account would be unlocked within XXXX hours. Around XXXX on XX/XX/XXXX I got another email saying, XXXX XXXX XXXX After review, unfortunately it appears that no further action can be taken on your account unless the items previously requested can be provided. Please advise if you are able to provide anything additional for review, otherwise we will not be able to take any further action on your account at this time. I already sent the needed documentations and XXXX confirmed Chime received it. This is very frustrating and causing me emotional distress. I need this resolved right away.
Consumer complaint received 2022-02-26
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (TX)

Hello, I have never missed a payment with Synchrony Bank and used my XXXX XXXX XXXX card offered by this bank once a month. I just made a payment over the phone on XX/XX/XXXX, XXXX However, on XX/XX/XXXX Synchrony Bank closed my credit card account without providing with me a 45 day notice as stated in Credit Card Act of XXXX. I called the company on XX/XX/XXXX at XXXX a.m. and was told by account manager XXXX that account account was already closed. I informed her that I was suppose to be given prior notice of 45 days of closure this could have allowed me to pay the remaining balance. Instead the sudden and illegal closure had greatly reduced my credit score thus preventing me from refinancing my home. XXXX informed me that once an account is closed it can not be reopened. This illegal and sudden closure has caused me great financial damages. If I was given my 45 day notice I could have paid the small remaining balance thus preventing the negative impact on my credit score.
Consumer complaint received 2022-02-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (IL)

On XX/XX/XXXX, XXXX around XXXX AM, I visited the JPMorgan Chase Bank location at XXXX XXXX XXXX in XXXX, IL XXXX. I visited the ATM inside of the branch lobby ( next to the tellers ) and attempted to withdraw {$1500.00} in cash. The ATM made several funny noise ( which were noticed and acknowledged by bank staff ) but the machine never disbursed the cash. I immediately went to an available bank teller and she checked my account to find out that ATM debited my account for the amount, but confirmed that the cash was not disbursed to me. 

I met with a banker who filed a claim over the phone and I was told that a credit would be issued within a few hours. After several phone calls to Chase Bank, I have received conflicting information and I still havent received the credit to my account. This was an error on Chase Banks behalf & I as the customer am left dealing with the hardship from this matter.

I am requesting an investigation into JPMorgan Chase Banks practices concerning ATM transactions and hardships created by the bank not taking immediate action to make the customer whole. Chase Banks error and refusal to immediately correct the error has caused me hardship as those funds were being withdrawn to address a time sensitive matter. 

I am requesting assistance in securing a permanent credit from JPMorgan Chase Bank along with any information you can provide to address the hardship created by the banks error.
Consumer complaint received 2016-08-09
Product: Debt collection — Medical
Issue: False statements or representation — Indicated committed crime not paying
Company: Commonwealth Financial Systems, Inc. (VA)

We received a notice from Commonwealth Financial Systems ( CFS ) regarding an unpaid medical bill. Upon contacting the purported medical service provider and providing the original account number listed on the letter issued by CFS I was informed that no such account number existed. 

I contacted CFS and the employee identified himself as " XXXX XXXX ''. However, the name on the letter issued by CFS was " XXXX XXXX ''. 

Commonwealth Financial Systems lists the following address : XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX : XXXX ext XXXX
Consumer complaint received 2022-11-22
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: JPMORGAN CHASE & CO. (CA)

I want to report a fraud of an unauthorized transaction that was sent from my bank account {$300.00} were sent from my account to a company who turned out to be a scam taking only XXXX payments as a way to keep the money they will not refund the money or give it back despite it being a mistake. After realizing this I contacted my bank who said they cant do anything despite me telling them that someone send money from my account without my permission.
Consumer complaint received 2022-02-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Conn's, Inc. (TN)

i learned of a fraudulent account with conns home plus after months of going back and fourth with conns I've gotten no were. conns home plus has called me up to 26 times a day they have degraded me and harassed me. I've been called a loser and a dead beat. I've asked them too please stop calling me but the calls keep coming with no end. I've tried to explain that my mother has used my identity sense i was a child i believe she did this to get things she needed with the intention of paying this account. i did not open this account give permission or had knowledge this account was opened.
Consumer complaint received 2016-05-23
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A. (TX)

I had Citi for approx. 5 years when in 2013 they cancelled my personal and business card for no reason. I applied for XXXX of their cards this week and was denied. I always paid the Citi cards every month and on time. I have excellent credit score. I also have NEVER been late in any bills in my entire life. I would like for someone to help me resolve this. I really would like to know why would Citi Card not want to give me credit.
Consumer complaint received 2022-02-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA (NY)

Please see attached record of employment and screen shots from my account. FedLoan finally certified my qualifying service, but with huge errors. First, FedLoan omitted 24 months of service ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) even though they have certified my employment from my second employer. Second, they're not counting my service at my current employer, even though my application clearly says " I still work here. '' They've only counted 2 months ; I've worked at my current employer since XX/XX/XXXX, which means there's 3 months of services omitted. So by my count, I am missing XXXX  months of service. If these were accounted for correctly, then I would have loan forgiveness at this point. I'm so angry. They are incompetent.
Consumer complaint received 2016-04-19
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (MI)

Ocwen Loan Servicing LLC offered a " PERMANENT '' modification for my mortgage which was for a specified a fixed rate ( not the current ARM ). The paperwork was to be sent back to Ocwen by XXXX XXXX, 2016 with the initial payment due by XXXX XXXX, 2016. I sent the paperwork AND the initial payment of {$410.00} by XXXX. It was delivered on XXXX XXXX and the payment was posted on XXXX XXXX as a " forbearance payment ''. Now Ocwen has changed it to a " TRIAL '' modification plan and sent a letter today ( XXXX XXXX ) saying I have missed a trial plan payment! Everything said the next payment of {$410.00} was due on XXXX XXXX, 2016. How could a payment be missed already, just 2 weeks later? I was to make a payment by XXXX XXXX and the next XXXX XXXX. They want XXXX payments now before XXXX XXXX. This is a bait and switch tactic and it appears they have been doing this for a while now, according to the website XXXX. Many Ocwen mortgage holders seem to have experienced the same thing, receiving paperwork that indicated one thing and then more paperwork saying something else, or seeing their account on the Ocwen website say one thing and seeing it changed to something else a day later! They are playing games with people.
Consumer complaint received 2016-06-30
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (OR)

On XXXX XXXX XXXX I opened a Citi Gold checking account with Citibank with an offer stating I would receive XXXX XXXX ( worth approx. {$500.00} ) after meeting certain criteria. The criteria 's were XXXX ) making {$1000.00} in debit card purchases and XXXX ) making XXXX bill payments in 2 consecutive months, in accordance with promo code XXXX. On XXXX XXXX XXXX I called Citibank to make an initial deposit to fund my newly opened checking account. During that call the Citi Representative confirmed that I was enrolled and qualified for the promotion as long as the requirements stated above were met for receiving the XXXX miles. Then on XXXX XXXX, XXXX I called to activate my new card and confirmed the promotion details and that it was rightfully attached to my account, making me eligible as per the offer presented to me originally. I followed that call by another call around the end of XXXX to confirm {$1000.00} in spending was met, where the Citi Representative again reassured me the promotion I had signed up my account with made me eligible for XXXX miles upon completing the required criteria and it would be credited in a couple of billing cycles after the cycle in which they were met. Once I had met all of those criteria ( by XXXX of XXXX ). I called again in and confirmed with a Citi Representative that I had met the criteria, and was told to expect the XXXX XXXX XXXX XXXX to be deposited into my account by the end of XXXX XXXX. On XXXX XXXX, I called again to update my contact and address information, and during that call I again inquired about the status of my promotion bonus, the Citi Representative reviewed my account and confirmed that I had met all the requirements and to expect the bonus by end of XXXX XXXX. 
Now, after confirming this promotion was applied to my account, confirming that I had met the requirements, and confirming that the points would be deposited at the end of XXXX, Citi has pulled a bait and switch. They are now suddenly stating I am not eligible for the XXXX promotion. This is despite multiple conversations and reassurance and confirmations from Citi Representative over the course of 6 months. This is not right and I 've been lied to all this while. 
I am asking that Citibank uphold its promise and rightfully award me the bonus points that I deserve. It is not right and outright cheating that they do n't have to uphold their end of promises or pull such bait and switch strategy and get away with it.
Consumer complaint received 2022-07-20
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. (FL)

In accordance with the Fair Credit Reporting act XXXX Furnish name- XXXX  XXXX, Account # XXXX has violated my right. 

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. its also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2017-01-02
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

My credit dropped down XXXX-XXXX point in all XXXX Beauro report all of sudden. Nothing is changed and credit card balances are lower then ever. My credit score suppose to go up not down. I want to know why? Or something is wrong with the system.
Consumer complaint received 2022-02-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (NY)

I have contacted Enhanced Recovery and XXXX about a debt on my credit report that does not belong to me. The debt is listed on my credit report as XXXX. I have sent numerous correspondence requesting validation of the debt that includes my signature and authorization. XXXX has not provided me with the requested information. Therefore, I am demanding the account be removed from my credit report. The dates that I sent certified letters to XXXX pertaining to this debt are as follows : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX.
Consumer complaint received 2020-03-03
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. (NC)

On XX/XX/2020 provided a Credit Score to the XXXX XXXX XXXX XXXX a score of XXXX however less than a month later XX/XX/2020 XXXX XXXX Credit Score was given of XXXX. I haven't missed a payment on any of my accounts in 7 years my Credit Report will reflect that Equifax compromised my information along with thousands of others. I was able to remove 1 Account that was created in my name. I was never given the Credit Monitoring Service as promised in the settlement. I have written Equifax several times asking why my scores were 50 to 100 points lower than the other Credit Reporting Agencies.
Consumer complaint received 2022-11-22
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)

This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-22
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: EQUIFAX, INC. (CA)

Equifax & XXXX are reporting inaccurate information on my credit reporting. A collection account that I did not XXXX ) authorize XXXX ) I have no idea who the debt collector is XXXX ) I never signed any papers with XXXX XXXX for them to sell any debt to XXXX XXXX XXXX. 

Acct # XXXX
Consumer complaint received 2022-02-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

Fraudulent inquiries on credit report XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX, XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX
Consumer complaint received 2022-02-26
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: U.S. BANCORP (OH)

My first card was mailed XX/XX/2022 and I never received it. On XX/XX/2022 at XXXX I requested a replacement card be expedited and was told I would receive the card in the mail by XX/XX/2022. The website stated my card would come in XXXX days but customer service had no definitive information regarding the card at all. I do not have access to my funds and it has become a burden to live without income. I can not pay my bills, or buy groceries. This is unfair to me and anyone else experiencing this. Card holder services US Bank Reliacard not having answers or solutions is unacceptable.
Consumer complaint received 2017-01-19
Product: Credit card — 
Issue: Other — 
Company: CAPITAL ONE FINANCIAL CORPORATION (DE)

I had a credit card with Capital One. They charged it off. I contacted Capital One last year to pay this debt. They would not speak to me because they had " cancelled the debt '' ( I have attached that notice ). I disputed this with the bureaus because Capital One was reporting a balance with a present day report date. The bureaus did not remove the cancelled balance from my file. I filed a CFPB complaint against the bureaus but they replied with their standard : " We sent your dispute to the creditor and they verified that the reporting was correct '' ... so effectively they will not do anything. 
The creditor has the same liability as the credit bureau in the case of accuracy of data on the file ( Sec. 623 ( a ) ( 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. 
Capital One can not cancel this debt and still show a balance due on my credit files.
Consumer complaint received 2022-11-22
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: The CBE Group, Inc. (CA)

CBE Group Inc told me that i owed about {$3000.00} bill for XXXX XXXX XXXX I didn't even know the address and haven't hear it before as well as the account number from them. That's totally a identity theft. I really hope you can help me stop this.
Consumer complaint received 2022-11-22
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. (NJ)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law, as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX and Equifax shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at XXXX and Equifax are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. 
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX and Equifax credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXXXXXX XXXX XXXXXXXX Date Opened : XX/XX/2021 Balance : Balance : {$18000.00}
Consumer complaint received 2017-01-02
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Diversified Consultants, Inc. (NV)

I have been the victim of identity theft twice in the past. Diversified Consultants, purporting to represent a debt with XXXX ( a company I have never done business with ), has been unable to validate this debt which is, additionally, outside the statute of limitations. This company persists in placing fraudulent negative reports to my credit monthly.
Consumer complaint received 2022-11-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (PA)

I placed XXXX disputed about a bankruptcy that is reporting on my credit. As of today XX/XX/2022 they concluded my investigation. The conclusion came back stating that they verified the bankruptcy illegally through a XXXX party. By law this is not a way to verify and the verification must be through the court directly. They claimed to verify this account through XXXX XXXX. This is illigal considering my lexis nexis account is frozen due to fraud, they 100 % could not a verified with them anyways. This was a flat out lie and they did not investigate this, if they did they would of know per law it must come directly from the courts. I contact the courts myself to see if they inquired and they said they do not respond to any inquiries from the credit bureaus or XXXX XXXX. There for both are in violation of my rights.