davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc. (TX)

Comenity Bank/ XXXX XXXX during my administrative process. A cease and desist was sent to them on XX/XX/2022 demanding they send an audit trail including the ledger, all accounting documents, transaction history, and account file. I also demand they remove the account they furnished on my consumer report I never gave written instructions to furnish Pursuant to 15 USC 1681b ( 2 ). Keep in mind non-compliance with my C & D will be documented and used as exhibits for knowingly and willfully violating federal law.
Consumer complaint received 2022-04-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

To whom it may concerned I have a hard inquiry on XXXX on XXXX. XXXX, XXXX. This was never authorized by me and was likely identity theft. I have spoken to transunion reps and XXXX reps a few times about this and has never come off after they said it would. I never signed any documents and never gave anyone permission to do anything with XXXX.
Consumer complaint received 2022-07-22
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (CA)

Had a claim with Wells Fargo for {$10000.00} of unauthorized transactions and I was denied for no reason when their bank had online issues during the time of the transaction to where I could not see my balance to even know this was happening. I am out of XXXX and am a college student that has no help but me in California. This is absurd and Im not the only one who lost money during this week when Wells Fargo website and call center was down.
Consumer complaint received 2018-10-27
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: SUNTRUST BANKS, INC. (DC)

I wrote a detailed letters, 2 of which are attached that discuss : Apply for mortgage assistance Changing dates to reply to a final package submitted False and erroneous data on a lien search Mis-stating what was in the mortgage application. 
Not sending me full items on a decision timely Multiple mixed, confusing, and misleading messages on the status of the loan modification from multiple different persons
Consumer complaint received 2022-08-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

My father has a Capitol One account where he is the primary and I'm an authorized user on the account with my own card. I could not get into the Capitol One app, so I called the number on the back of my card to check the balance and find out when a payment was due. Majority of the time, it would tell me that there was not a due payment. Because of the high credit limit ( {$3000.00} ), I made payments 2x a month ranging from $ XXXX {$350.00}. 

Two weeks ago, I was finally able to get into the Capitol One application and it said that our account was restricted. I contacted Capitol One customer service XX/XX/XXXX and the rep would not provide an exact reason why, stating that it was in a letter my father should have received. My father had just moved from XXXX XXXX XXXX and believed that was the reason. She did not confirm or deny, but stated that to resolve the accounts, we needed to fax personal security documents such as birth certificates and social security numbers to a fax number she provided. I looked today and saw the accounts are still restricted, so I contacted Capitol One customer service again. 

However, this customer service rep says that they CAN NOT fix the accounts and there's no way to reinstate them because there were possibly delinquent payments. Prior to the call, I called to check the balance and it said a payment was not due until the XXXX of XXXX. I asked her why the other representative needed those documents as though that would fix it and she did not explain. Worse than that, there is no documentation of the conversation we had on the XXXX with the rep, my father and I and the whereabouts of where he faxed his personal information to is unknown. The representative stated that she would make a report about it but at this point, I don't know if I can trust that as it's become very concerning.
Consumer complaint received 2022-08-01
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)

To Whom it may concern, I recently challenged the validity of all inaccurate account thats being reported on my most recent credit report. Upon challenging this, equafax you did not deleted the accounts based on the lack of ability to properly verify all reported information being accurate. I noticed as A result of challenging these account with your company you have verified these same account. It is my understanding that the creditor reports the same information to all credit bureaus as expected under FCRA, I am requesting the information you used to verify these account in writing. Including Original contract with my original signature, creditors information and original address, payment history of accounts and proof of ownership of all debt. If such documents can not be produced DELETE this account from my credit report immediately. If not I will be taking further actions! 

Best Regards,
Consumer complaint received 2018-10-27
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. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft..CFPB please remove the accounts XXXX XXXX, XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX TX ) XXXX, XXXX/XXXX XXXX, XXXX   XXXX, XXXX/XXXX XXXX,
Consumer complaint received 2022-07-26
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)

After looking through my report i spotted a lot of violations. According to the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report. I've done everything I could do in disputing this with the bureaus, but unfortunately, they can't help me, so I've came to my last resort with you guys, in hopes of keeping my credit report 100 % accurate. I went ahead and listed the accounts below that have violated my rights Account Name : XXXXXXXX XXXX XXXXXXXX, Account Number : XXXX Account Name : XXXX, Account Number : XXXX Account Name : XXXX XXXX, Account Number : XXXX The credit bureaus stated my account was properly investigated, but how is that possible if the date open date is inaccurate, the date of last verified is inaccurate, the balance is inaccurate, the date last active is inaccurate, and the date last reported is inaccurate, therefore these accounts must be removed asap, they also violated my rights under, some of these accounts, are also in violation with the statute of limitations here my state of Texas. 

I went ahead and attached screenshots I took from XXXX XXXX where I highlight all the violations on every single account. 

-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 than 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 2018-10-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (MI)

I didn't realize this card had a yearly fee. The card I haven't used is charging me XXXX for an annual fee and 2 late payments to tallying over XXXX for a card I haven't used. They closed the account but wont refund the fee 's
Consumer complaint received 2018-10-27
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (AZ)

XXXX sold my XXXX Bank loans in XXXX, 2018 to Navient. I am XXXX and XXXX years old. I already am paying XXXX & XXXX a month and XXXX {$45.00} a month. My S. S. I. payments are {$750.00}. I tried to get a forgiveness, but they sent the application to the Dept. of Education. I am currently still in school and I can not stop the program yet. I needed a payment plan that would help include the other private loans from XXXX Bank that were sold to Navient. They said because I am already making no interest payments on the private loans of {$68.00} a month I can not lower any more payments, and they want to start raising payments for XXXX Bank to a total of {$150.00} starting in XXXX, and then, going up from there. I have tried to get some kind of payment plan that I can afford for all the private loans like an income contingent plan. They have offered me nothing and I need help asap. Instead, after I sent all the doctors information and their application, they sent the information to the Department of Education for total loan forgiveness, but that does not stop the private loan payments. They are just trying to delay addressing my application to them by sending the application to the Department of Education. I am willing to make payments but they need to do an income-contingent plan and they are not observing the contract I signed with XXXX for XXXX Bank that forgives loans if you have a physicians statement, which I sent them, in fact, I sent them 2 statements and my S. S. I. income statement. In my condition at XXXX years old, what can I do?
Consumer complaint received 2022-11-28
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc (FL)

I have a checking, savings and credit builder account with chime. I was transferring money from my XXXX XXXX XXXX XXXX  account to my chime account to take advantage of their 1.5 APY savings rate. I had been depositing XXXX dollars monthly from suncoast and had never had a problem. On XX/XX/XXXX, I unexpectedly received an email from chime that they had closed my checking, savings, and credit builder account. I then attempted to login to my chime account and it had already been deleted. I then called their customer service number to find out why all my accounts were closed, and also how to get my money back that was in my savings account. The representative on the phone told me that my account was not in compliance with the deposit account agreement, but did not give me a reason why and told me I needed to email chime directly to attempt to get my money back. I then spent the next couple of weeks emailing chime my personal information to verify my identity and documentation showing my history of deposits to chime from XXXX XXXX XXXX. On XX/XX/XXXX, I got an email from Chime informing me my account can not be re-opened. I never received any legal documentation or information from Chime giving a reason why they closed my account. After speaking on the phone with a representative after getting that email, They also said they are not going to refund my money that was in my savings account, which was around XXXX dollars.
Consumer complaint received 2022-04-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

There is a XXXX XXXX Bankruptcy from XX/XX/2018 reporting on my Credit report which is fraud ; because I have an letter from the United states Bankruptcy Court stating that they do not provide information regarding case filings or disposition to the credit reporting agencies. Also the United States Bankruptcy court states in the letter that it does not have a relationship with the credit reporting agencies. Also you can contact the United states bankruptcy court at ( XXXX ) XXXX. The United States Bankruptcy Court 's information is in the letter that i provided. 


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 acount without my written instructions
Consumer complaint received 2022-12-20
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A. (TX)

Dear officers in charge of this matter : I am here to report a potential fraud committed by CITI Bank by luring people to open account for bonus then decline what they have been offering. 

What happened with CITI : 1. I saw their sign-up bonus offers on their website, quote : 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 XXXX day to unlock your bonus. 
2. I deposited {$300000.00} ( $ XXXX on XX/XX/XXXX and $ XXXX on XX/XX/XXXX ) and kept the money there until now aiming to get that {$2000.00} bonus in XXXX XXXX. 
3. XX/XX/XXXX, their customer service declined my bonus even though I followed exactly what they required in their terms and conditions on their website. ( see details from their website : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Communications with CITI Bank Customer Service : 1 XXXX First week of XX/XX/XXXX, confirmed with their online-chat representative that I was successfully enrolled to earn the bonus. I thought I could rest assured until XXXX payday. 
2. XX/XX/XXXX, called 2 different customer support regarding the bonus payday and both said I was not enrolled. Same day, I also chatted with 2 online representatives and they kicked me around and said there is nothing they can help. 
3. Their customer supports people are not based in United States and they DO NOT even know this bonus offer is still on their website!! They kept asking me to provide an Email invitation code to get the bonus but the offer on website stated very clearly that all I needed to do was to APPLY online! 
4. Citi customer support said I will receive an email about this dispute yet NO email was sent at all! 

For now, I need to get a confirmation email from Citi Bank and confirm which day I would be paid that {$2000.00} bonus for keeping {$300000.00} for so long. 


Thank you!
Consumer complaint received 2018-10-27
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. (FL)

I havve been paying my student loans rigurously. On XX/XX/XXXX XXXX reported a late payment which was not my mistake and have not removed it form the 3 credit reports until today.. It has been the mistake of all the representatives that are not doing the job correctly and are reporting whatever they want. I contacted them to removed the late fee from my 3 credit report agencies.

Yesterday and Today I had received 2 alerts. XXXX is reporting again on all the 3 agencies. 

XX/XX/XXXX, reported late again ( 2 negative items on Equifax ) Yesterday XX/XX/XXXX ( 3 late negative items ) when I have been paying on time I am tired to deal with XXXX. 
they keep changing and sending letters of changes on the loans and kept changing the due dates as they pleased. MY payment dates are on the XXXX of each month and they kept changing date and loan terms, then they report you as late. 


everytime I have a problem with them I need to recur to this agency becuase they lock the phones, theire representatives dont answer correctyl. Even if you pay your loans on time. They keep calling you to make payments that are already made.
Consumer complaint received 2022-10-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HSBC NORTH AMERICA HOLDINGS INC. (AL)

The complaint # XXXX is not closed. HSBC closed my account on XXXX XXXX XXXX. They said I would have access to my account until then I did not have access to my account, it was still frozen. They said after the account was closed that I would receive my funds by the quickest method possible. I emailed the company today. If the company would have done the wire transfer like I originally asked, none of this would have happened.
Consumer complaint received 2022-08-01
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Celsius US Holding LLC (NC)

I have approximately XXXX XXXX that were stolen by Celsius. My account was supposed to be moved to a Custody Account after the XXXX regulated Celsius and told them only Accredited Investors can be in Earn accounts. I am not and don't meet Accredited Investor criteria, therefore I can not have an Earn account. 

XXXX XXXX the CEO of Celsius described Celsius as a safe investment ( like a bank ) versus how it really operated like an unregistered hedge fund and meets the criteria of a Ponzi scheme. Please ensure regulators are looking at this mischaracterization and how customers were defrauded. XXXX consistently said publicly and his AMAs that you could withdraw at any time, but that they went back on that for a month and then declared bankruptcy. Celsius and the CEO made false Material Statements for years that they had sufficient currency to withdraw while they were insolvent.
Consumer complaint received 2022-07-26
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. (SC)

This is my 9th Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which were 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. Please remove the following items completely from my Credit Reports : XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX WY XXXX, SC XXXX XXXX XXXX XXXX CT XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX : {$2300.00} XXXX XXXX Balance : {$63.00} XXXX XXXXXXXX Balance : {$93.00}
Consumer complaint received 2017-06-26
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Coinbase, Inc. ()

I was trading with www.coinbase.com i have now stopped and would like to withdraw my funds but my bank account is still not verified even though i have completed the steps they have provided and i am unable to withdraw my funds still. This amounts to near 600 which for me is a lot of money. I have been trying to contact them through every means possible. Email Social media but they do not have any contact telephone numbers.
Consumer complaint received 2018-10-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ACS Education Services (IA)

I had a student loan with ACS/XXXX XXXX that was sold to XXXX. The loan is now reported on my credit report twice. It is in good standing and being paid through XXXX, however, it shows an unpaid balance of XXXX due to ACS/XXXX XXXX and also says it is in deferment. I have tried to contact ACS and they told me to contact XXXX, XXXX said it is an issue with ACS. ACS has had thousands of complaints about incorrect reporting and I would like to figure out how to get this off my credit report.
Consumer complaint received 2022-08-01
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: Experian Information Solutions Inc. (FL)

I sent disputes to Experian in accordance with 15 USC 1681i. According the completed disputes received from Experian, an alleged bankruptcy record # XXXX was " verified '' and " accurate '' as a result of their investigation with said furnisher " XXXX XXXX ''. A dispute was filed with XXXX XXXX in which on XX/XX/XXXX, they were unable to " verify '' this record in a time-frame required, and therefore the record was " Removed ''. I have attached a copy of this letter for proof. I received a complete consumer disclosure report from XXXX XXXX dated XX/XX/XXXX, in which the 80 page report did not contain a " Bankruptcy Record ''. I have also attached the letter from the Bankruptcy court stated that they " Do not report filings to CRA 's ''. Experian has violated several Federal Laws, and this alleged record is " Unverified '' and " Contestable '' and therefore must be removed.
Consumer complaint received 2022-08-01
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Experian Information Solutions Inc. (MO)

Experian reporting agencie is reporting false and inaccurate information on my credit report I have reached out to them on this matter there are three XXXX  debt collections appearing on my credit file that are inaccurate reporting. 

XXXX XXXX XXXX in the amount XXXX. 
XXXX XXXX XXXX in the amount XXXX. 
XXXX XXXX XXXX in the amount XXXX. 

I Have reached out to this Agency many times with 3 and 4 disputes that are not been properly Investigated the dispute is coming back as updated and accurate and that information is false I have send documents Certified Mail with a return receipt I have sent many document supporting my clam I have call this company many times and I am unsuccessful with reaching a live agent I have tried uploading documents on line on the website and unsuccessful also website is giving a stange Error the accounts that are being reported on my account is a Violation of HIPPA and a complaint Has also been Filed in that matter I think this Reporting Agency has some fraudulent activity going on that needs to be investigated by Higher authorities because they are dealing with a large amount of accounts and data to be this negligent with accounts.