davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-26
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIBANK, N.A. (MA)

Around XX/XX/2022 my account was closed after opening it in XXXX suspiciously and I have reached out to the bank multiple times to have them tell me whats going on with my account and they keep telling me that they can not provide me with that information and theyre just gon na close my account and send me my money but whoever they have a send me my money for months and its like theyre all in onto my money and every time I called they dont want to help me or they tell me I cant give you any information you got a wait you got ta wait and its been months waiting my money was taken by Citibank I strongly believe it I have XXXX in my savings account and in my checking accounts XXXX I just really care about getting my money out of my savings I dont even care about my check in because I have XXXX in my savings and it just been holding onto my money
Consumer complaint received 2022-09-26
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. (CA)

I've been a victim of identity theft and had a fraudulent credit card opened in my name with XXXX XXXX. XXXX and XXXX obeyed the law and removed the fraudulent account from my credit report because they received my FTC report and police report. However, Equifax is breaking the law and reporting the fraudulent account as closed on my credit report. I need this removed immediately or I will seek legal action because this is ruining my reputation and does not belong to me
Consumer complaint received 2022-08-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX Balance : {$1300.00} ; XXXX XXXX XXXX XXXX Balance : {$180.00} ; XXXX XXXX  XXXX XXXX : {$10000.00} ; XXXX  XXXX Balance : {$740.00} ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX ; CPS XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2022-12-07
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: WELLS FARGO & COMPANY (AL)

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

15USC 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 an open end consumer credit plan as late for purpose.
Consumer complaint received 2022-12-07
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. (IL)

The status of these accounts reporting is an inaccurate account, from dates when the account was open, reported dates, dates of last active, date of last payment, and reporting charged off which is a violation of 15 U.S. Code 1681e ( b ).

If a company has filled out a 1099c form and is continuing any kind of collection activity as defined under 31 U.S. Code 3711 ( e ) by performing any of the following conduct ; administrative offset, tax refund offset, referral to private collection contractors, referral to agencies operating a debt collection center, reporting delinquencies to the credit reporting agencies, garnishing wages, pursuing litigation or foreclosure, you are committing tax fraud and should be reported to the IRS for a fraudulent financial gain.

Also, 1099-C must be mailed to consumers. I did not receive anything which is a violation. As defined by the IRS, even if you didnt receive a Form 1099-C, you MUST report Canceled Debt as gross income on your tax return, according to the IRS. For an account to be Charged Off, the debt had to have been Canceled. Canceled Debt must be reported as Gross Income on a tax return. Its illegal to report income to my consumer report.

Companies that mark accounts as charged off take advantage of 1099c forms and deem it a profit loss, meaning they collect from the IRS. It is illegal to collect from the IRS and still attempt to collect from the consumer/individual. The reported balance of these accounts is inaccurate and the agency is to comply by blocking and deleting these accounts from my reports as they do not, and never have had my written consent to report these listings ( Violation of 15 USC 1681b ).
Consumer complaint received 2022-12-07
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. (FL)

On XXXX XXXX, 2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over XXXX days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within XXXX days gives a reason to immediately remove those items from my credit report, it has been over XXXX days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-09-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC (MI)

The FAY SERVICING mortgage company is not making property tax payments even though this payments are part of the escrow and I have made all timely mortgage payments. 

I have notified them of this error or slip-up by phone, via their online communication exchange and via straight email to the customer service department in charge of this issue. I have sent them all six ( 6 ) tax bills which they have acknowledged receipt, but no payments have been made. 

The tax payments were due XXXX/XXXX/2022. As of today, XXXX/XXXX/2022, they have not been paid. IK am afraid the taxing agency will sell my properties on tax sale if this is not paid ASAP. 

I need help ASAP.
Consumer complaint received 2022-07-30
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: BARCLAYS BANK DELAWARE (FL)

I am disputing charges that were made on my Barclay Jet blue credit card ending in XXXX at XXXX. I informed Barclay and they issued me a new credit card ending in XXXX. They have however refused to remove these charges listed here : XXXX XXXX transaction date XX/XX/2022 {$36.00} XXXX  XXXX transaction date XX/XX/2022 {$36.00} XXXX XXXXXXXX XXXX date XX/XX/2022 {$40.00} XXXX XXXX transaction date XX/XX/2022 {$16.00} I have had conversations with XXXX and they can verify that these charges were not made by me. They are not in my list of purchases and it was verified that the items were not shipped to any address in my account. I have sent this information to Barclay. I did get notification that these charges were dropped from my account on XX/XX/XXXX, but were then reinstated afterward.
Consumer complaint received 2022-06-09
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. (CT)

In accordance with the Fair Credit Reporting act XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2022-07-30
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. (NY)

In accordance with the fair credit reporting act 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 1666B : A Creditor may not treat a payment on a credit account under an open en consumer credit plan as late for any purpose.
Consumer complaint received 2022-07-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: JPMORGAN CHASE & CO. (AZ)

I made a hotel reservation in XX/XX/2022 to travel in XX/XX/2022 and I paid with my business credit card rewards points plus {$210.00} that was charged on XX/XX/2022 on the same card. The card ends in XXXX The reservation was cancelled due to illness and the hotel in XXXX agreed to refund all fees if we could present supporting documentation showing that due to illness we were not able to travel. 
We submitted proof to the hotel and Chase and both the hotel and Chase then agreed to refund all fees and points. The bank said it would take up to 2 billing cycles but to this date and after several calls to the credit card rewards department we have not been refunded the {$210.00} plus the interest or the points. We are hoping to reach the right department that can process the refund of all points and the XXXX plus interest Attached email from the hotel confirming receipt of supporting docs and agreeing to refund all charges. 

On XX/XX/2022, at XXXX PM, XXXX, XXXX XXXX wrote : Hello XXXX XXXX, XXXX you for the information. 
Yesterday XXXX and I had a call and I approved the cancellation of your reservation. The hotel wont be charging anything to your credit card. In case that you need a refund you need to contact directly to the third-party. 

Best regards! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX | EXT : XXXX XXXX | XXXX XXXX XXXX This communication contains information from XXXX XXXX, XXXX that may be confidential XXXX Except for personal use by the intended recipient, or as expressly authorized by the sender, any person who receives this information is prohibited from disclosing, copying, distributing, and/or using it. If you have received this communication in error, please immediately delete it and all copies, and promptly notify the sender. Nothing in this communication is intended to operate as an electronic signature under applicable law. 

XXXX
Consumer complaint received 2022-12-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: BARCLAYS BANK DELAWARE (PA)

Barclays unfairly reduced credit limit and demanded payment 3 times the monthly payment for incorrect reasons ; " delinquent in the last 12 months and credit inquiries. '' When I try to reason with their representative, he refused to allow me to speak with someone in authority to rectify this matter. I explained to this person that their recurring payments tied to this account and the credit reduction would unfairly affect those accounts. I have made timely payments on this credit card account notwithstanding being on social security as a retiree.
Consumer complaint received 2022-01-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (AZ)

Wells Fargo Bank XX/XX/XXXX {$240.00}. XXXX was in my account. Charges for {$230.00} came out. The bank pulled XXXX from my account, and charged me XXXX for an overdraft fee. 

XX/XX/XXXX {$440.00} was in my account. Charge for XXXXcame out. Bank pulled {$37.00}, and charged me XXXX overdraft fee. 

Both times, I wasnt negative. 

XX/XX/XXXX I had XXXX in my account. Charge for {$50.00} came through. Bank pulled out {$25.00}, and charged a XXXX overdraft fee. 

XX/XX/XXXX I had XXXX in my account. Charge equaling XXXX cane through. Bank pulled out XXXX, and charged me XXXX for an overdraft fee. 

I am not negative when these charges hit, and if I am, ita below $ XXXX.They are doing this, to make money off their consumers. I have provided 3 screenshots of my account being positive, and the bank pulling money from my savings, plus an overdraft fee. This is illegal.
Consumer complaint received 2022-06-09
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc (TN)

My account was closed and no access to my money. I send documents verifying my deposits from my employer with no resolution. I started researching this and see there are thousands of complaints of this happening on a regular basis. This looks to much like a ponzi scheme where they are closing accounts to keep people 's money. This should never be allowed without 24hr contact if they believe fraudulent activity. Seems like they are getting interest free loans on a regular and trying to pay their debts at a later date. I sent payroll stubs, address verification, ID, credit card photo but wasn't enough
Consumer complaint received 2022-06-11
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: LEXISNEXIS (NY)

This is to inform you that I XXXX XXXX am submitting this complaint and report of ID theft on my own behalf there is no third party involved in this complaint. The following was not submitted in error. Pursuant 15 U.S. Code 1681c ( 2 ) ( a ) Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of. Included you will find FTC identity theft report, Identity theft Affidavit, Police Report, copy of ID, Utility Bill and Social Security Card. I ask that you comply with Federal Laws in place, and swiftly and permanently block the accounts, addresses, inquiries, and other information that you are reporting listed on the Identity Theft Report List of Fraudulent Accounts pursuant to FCRA Sections 605B, 615 ( f ) and 623 ( a ) ( 6 ), and mail me a new credit report to my address of record below and place EXTENDED FRAUD ALERTS on my credit report if you have not done so already.
Consumer complaint received 2022-07-30
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)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 

XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$880.00} XXXX XXXX XXXX XXXX  ( Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$2800.00} ; XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX  Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX Inquiry Date XXXX. XXXX, XXXX
Consumer complaint received 2022-07-30
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. (FL)

I submitted a letter to the 3 Credit Bureaus XX/XX/2022 to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX, XXXX, XXXX and I'm including it again. 
XXXX XXXX XXXX : {$9.00}
Consumer complaint received 2022-09-26
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL (SC)

Applied for a lowes home improvement card said i pre qualified sent me to XXXX went through procress here called because it said i was blocked talked a man that said you will get a letter 7 to 10 so that means i didnt quailfy false and misleading i didnt see anywhere where it said prequailfy doesnt mean you qualify now this is a hit on my credit false and mileadind schnory bank the web wont let you capture any of your info because they ask you to take a pic of self and id
Consumer complaint received 2022-07-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

In accordance with Fair Credit Reporting Act XXXX  Acccount # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-07-30
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. (UT)

In accordance with the fair credit reporting act, the following Account has violated my rights : XXXX XXXX XXXX Account # XXXX, Amount {$1200.00}, Opened XX/XX/2017 15 U.S.C. 1681 Section 602 A States that 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 an account without my written instructions.
Consumer complaint received 2022-06-09
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. (NY)

I recently discovered that I am a victim of identity theft. So I am writing to request an EXTENDED FRAUD ALERT to be immediately placed in my credit file so that no new credit will be approved or issued until the lender first verified my identity. 
Fortunately, in accordance with the FCRA Sections 605B,615 ( f ) and 623 ( a ) ( 6 ), an identity theft report can be used to permanent block fraudulent information that results from identity theft, such as accounts or addresses from appearing on a victims credit report. Identity theft reports can prevent a company from continuing to collect debts that result from identity theft. Pursuant to the FCRA 605B ( 15 U.S.C. 1681c-2 ), please BLOCK ALL INFORMATION RESULTING FROM IDENITIY THEFT
Consumer complaint received 2022-09-26
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Holdings LLC (NJ)

I have been trying to do a modification with Selene Finance. The modification started at my previous bank, because of the reduction of income during the pandemic in XXXX, but my bank sold the loan to Selene. However, this bank has been really inconsistent dealing with the paper work. One agent said, " Yes, I have all of your documents, '' the other one said, " No it's incomplete. '' I have used different methods to send this paper work, one of them via email, and they said some papers were not legible, and then I used Priority Mail which apparently they said, yes they received it, others said no. I have noticed that they are not helping me, but are doing things to deceive me. Then I asked for a repayment plan and one of the agents gave me the quote to pay 7 payments, plus monthly payments for 6 months. I agreed and they gave me 24 to 48 hours to make I the payment. I did it, before the 24 hours were up. Then I decided to call the bank, and two of the agents said that the person I had spoken to was not entitled to that decision, she needed a XXXX 's approval. The next agent gave me an XXXX number, and an account number and the payment was returned, I sent it by a wire transfer and they returned it back to me. After that, I was really upset and called the bank, they said that I needed to make 12 payments instead of 7. Today I called the bank again, two days later, and now they're saying they need the 14 payments. They sent the new modification papers but I am afraid they will just initiate foreclosure. Right now, I am willing to make 12 payments to my account, however, I am afraid this won't work either because of the inconsistent communication. I have read reviews from this bank, and to my surprise, they have horrible reviews and horror stories of families who have been affected by their lack of credibility and customer service. Please, help me with this situation because I feel this bank is not taking me seriously.