davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

Upon reviewing my credit file, incorrect information was found in my reports. The XXXX/Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below the account that are reporting on my Credit Reports : Account ; XXXX XXXX XXXX XXXX Opened XX/XX/2018 Balance {$19000.00}.
Consumer complaint received 2022-04-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

Upon reviewing my credit file, incorrect information was found in my reports. The XXXXEquifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : Accounts ; XXXX XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$0.00} ; XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$0.00} ; XXXX XXXX XXXX XXXX Balance {$760.00} ; XXXX XXXX XXXX Balance {$0.00} ; XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$300.00}.
Consumer complaint received 2022-04-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Chime Financial Inc (NJ)

On Sunday XX/XX/XXXX there was a fraudulent charge of {$430.00} on my credit builder account which I did not make nor have any idea what it is for. Company is called XXXX XXXX and when I looked them up on internet there is numerous fraud cases with this company. I disputed the transaction with chime while the charge was still pending and they did nothing but send me a email saying my dispute was denied. This money was basically stolen from my account and my old banks like XXXX XXXX XXXX and XXXX XXXX would have credited me the money same day but chime has still not credited me for this stolen money as of yet after I disputed it and appealed the dispute and I will continue to appeal or do anything and everything to get the money back that was stolen from this fraud company.
Consumer complaint received 2022-01-12
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: FISERV INC. (CA)

I had last used my prepaid XXXX card on XX/XX/XXXX and it had a balance of {$640.00}. When I went to use it on XX/XX/XXXX it had under {$10.00} on it. On XX/XX/XXXX I called and reported that fraud had occurred. I was sent dispute paperwork in the mail which I filled out and returned via email. I called and made sure they received my completed dispute forms and was told they did and I would be informed of their decision via letter. I got a letter saying my claims were denied due to " inconsistent conflicting information ''. The letter also states " You have the right to request copies of the documents that we relied on in making our determination ''. I called to request this information and was told I could file an appeal and ask for the documents. I did both via email and a written letter. I called to make sure they had received my appeal and was told they had and I would hear from them in 45-90 days. That time had passed and I heard nothing. I called and was told my appeal was denied and I would get a letter explaining their decision and documentation in 7-10 business days. That was on XX/XX/XXXX and I didn't get anything. I called this morning ( XX/XX/XXXX ) and was told I didn't get anything because there was no documentation to send me. It was my understanding that they are required to show documentation that they did in fact carry out an investigation of my claims and that the disputed transactions were indeed authorized ( which they were not ). During this process I got a letter stating that I needed to get in touch with the fraud department because they needed more information and when I called the number on the letter I would only get the general customer service department who couldn't tell me what more information I need to provide and just told me to further explain my claim which I did via email. I found out today that there is no way to directly speak to the fraud department only to general customer service who can't talk to me about my case only read vague notes on the computer left by the fraud department.
Consumer complaint received 2022-04-23
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. (TX)

Upon reviewing my credit file, incorrect information were found in my reports. The XXXX, XXXX, and Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : XXXX XXXX XXXX XXXX XXXX XXXX Balance {$690.00} XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX Balance {$2100.00} XXXX XXXX Balance {$0.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX {$610.00} XXXX XXXX XXXXXXXX ( Original creditor : XXXX XXXX XXXX  XXXX Balance {$2100.00} XXXX XXXX  XXXX ( Original creditor : XXXX XXXX XXXX XXXX XXXXXXXX Balance {$520.00} XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX ) XXXX Balance {$260.00} XXXX XXXX ( Original creditor : XXXX  XXXX XXXX XXXX XXXX Balance {$100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX EQUIFAX XXXX XXXX XXXX  XXXX Balance {$690.00} XXXX XXXX XXXX XXXX Balance {$0.00} XXXXXXXX XXXX XXXXXXXX CRE XXXX Balance {$0.00} XXXX XXXX XXXX {$100.00} XXXX XXXX XXXX CT XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX : XXXX XXXX MO XXXX Balance {$0.00} XXXX OF MO XXXX Balance {$0.00} XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX {$690.00} XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX  XXXX Balance {$0.00} XXXX XXXX XXXX {$610.00} XXXX XXXX XXXX Balance {$2100.00} XXXX XXXX XXXX  Original creditor : XXXX  XXXX XXXX XXXX XXXX Balance {$100.00} XXXX XXXX BANK Inquiry Date XX/XX/2021 XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX
Consumer complaint received 2022-01-12
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)

On : XXXX XX/XX/2022 XXXX XXXX denied me for the Second Time a Credit Limit Increase, on my XXXX XXXX XXXX XXXX Credit Card, just because I had a Couple of Months, using their Credit Card, by them.
Consumer complaint received 2019-07-27
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL (AL)

Lets Start from XX/XX/XXXX and XX/XX/2019 Synchrony Bank Store Fraud opened they stated when i got alerts from the credit bureaus XXXX XXXX XXXX, I advised them XX/XX/1019 to Remove the accounts and inquiries Because they stated it was fraud, Now they want to turn the tables on me because XX/XX/2019 I was advised by Synchrony Ref # XXXX to contact credit bureau to have them removed, Called XX/XX/XXXX. XXXX and XXXX The agency said synchrony bank can call and have these accounts removed and the inquries amd XXXX said that was not right for them to tell me that I immediately emailed ceo XXXX XXXX, XX/XX/XXXX Spoke to XXXX from Sync sge said she couldnt verify or access the account i asked for a sup she passed to Acct Manager XXXX. No Help Talked to XXXX @ Syncrony XXXX. I advised them to remove it since they cant talk or verify the account Its Fraudelent to do this on my social.XX/XX/2019 SPOKE TO XXXX She said Transfered Me To XXXX She stated She would Remove not Close thats two diffrent verbiage.XXXX said she would Flag anything from sync bank and have it removed. XXXX XX/XX/2019 Customer Relations XXXX XX/XX/2019 She said she will close tge accounts thats the only way she stated I said remove them and asked her will closing them hurt my score She Said No!!!! XXXX stated it was a fraud on my account because of Synchrony Bank XX/XX/2019 Score XXXX points taken sync bank rooms to go ashley furniture   XX/XX/2019 54 points removed because per there request the closed them, XX/XX/XXXX XXXX from corporate called my voicemail system instead of calling direct just so she can say she contacted me for thete records I immediately called her back the whole week no response.
Consumer complaint received 2022-08-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: National Credit Systems,Inc. (TX)

In Accordance with the fair credit reporting act XXXX  account number 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 2021-04-14
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIBANK, N.A. (FL)

As of XX/XX/2020, I have sent monthly letters to CITI BANK asking them to provide that those accounts are indeed mine. All letters are attached to this complaint. I have not received anything from that CITI BANK to justify their collecting attempts and reporting it on all three credit bureaus. Where in their comments on my credit report they stated " meets FCRA 611 ( 15 U.S.C. 1681I ) requirements ''. I sent out letters pertaining to these account they are reporting to the credit bureaus and in no WAY are they are " MEETING FCRA REQUIREMENTS ''. I asked for verification and I have received nothing. Per FCRA requirements, if I am not supplied with the evidence after 30 days THOSE ITEMS WILL BE DELETED FROM ALL THREE CREDIT BURUREAS.
Consumer complaint received 2022-04-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (DE)

Transfers were done with a company named XXXX on my behalf ( for investment purposes ), after a couple of days ( was never able to access the funds or buy securities ) they closed out my account and said that they are reviewing it and it could take at least 90 days to 180 to get my funds back and they told me that it could take much longer than that, and that my account was fronzen and would be terminated in the next couple of days. I was not happy with that since there were {$2000.00} ( XX/XX/22 ), {$2000.00} ( XX/XX/22 ), {$400.00} ( XX/XX/22 ), {$630.00} ( XX/XX/22 ), They told me that I should make a stop payment order of these funds and to open a claim with wells fargo if I should get my funds back so I opened a case on ( XX/XX/22 and only 16 days have passed since that transaction ). While talking to someone about the claim they came up with dates for the transactions and couldnt find the one for the XXXX in XXXX, I told them that I opened the account a week before and made the transfer somewhere around the XXXX and with that they ( without telling me ) set that date as the transaction date. I recorded the whole conversation from my end and after a week on XX/XX/22 they returned only {$3000.00} and said that the XXXX transfer was denied because it was beyond 3 weeks and that I have agreed that I revoked their authorization on the XXXX of XXXX and yet only 16 days have passed ( the person that I spoke through on the phone never made the due diligence to tell me about that and without telling me put down the date as the XXXX and stated that I revoked their authorization on the XXXX, even when I have never stated so ), and when checking with XXXX I have 0 funds in that account even since the transfer failed on their end and they have fully terminated that account.
Consumer complaint received 2022-01-12
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: JPMORGAN CHASE & CO. (CA)

Trying to find out if JPMorgan Chase sold my loan before we sold our house or if it was still through them. 
If it was still through them, trying to find out about a payment XXXX is saying that they made for them and we owe. I have called multiple times and no one understands my questions. 

We received a letter from XXXX stating that they made a tax payment in our name for a lender ( the lender was not named in the letter ) and since we sold the home, we owe that tax payment back to them. They have sent us multiple letters and are now threatening to send to collections. 
I have spoken to 1 person at JP Morgan Chase that said they have no clue who XXXX is and it is definitely a scam. If that is proof, I need a letter stating that XXXX did not pay my taxes and this is a scam.
Consumer complaint received 2019-07-27
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: TRANSWORLD SYSTEMS INC (NY)

For the loans I had taken for my XXXX school education, I had a balance of around {$160000.00} from UASXXXX XXXX. Because the interest was high, I consolidated my XXXX   loans with XXXX XXXX and they made the payment to UASXXXX  on XX/XX/XXXX. Meanwhile I had already made my XXXX month 's installment of {$2300.00} as I did not want to be late even on a single day on my payments. So there was an overpayment of a months installment. Even before I closed the loan I called UASXXXX  to know what will happen if I made an overpayment and they stated they will either mail a check to me or send it to XXXX XXXX after about 40 business days. So, after about 45 business days, I called UASXXXX and they stated its actually about 60 business days and that the previous customer service representative gave incorrect information. Since then I have been calling almost every week talking to them for around 30minutes regarding an update on the refund and they keep giving different updates every time. They claim they refunded the money to XXXX XXXX on XX/XX/XXXX but when I called XXXX XXXX they did not receive it and they still havent. When I ask for proof, UASXXXX can not provide any proof of the check or the money was transferred. They keep saying they will call me or email me with the updates but they havent done that even once. I am so frustrated with UAS/XXXX because they are wasting my time and making a fool out of me. I worked hard for that money and I paid the monthly payments to UAS/XXXX on time for many years but they have no concern for me and are ignoring me. At the beginning I was talking to XXXX XXXX from UAS/XXXX and she tried to help but she kept saying the same thing to me and I didnt get any new updates from her. Another UAS/XXXX customer service representative, XXXX, was very rude to me and was not helpful. She stated there is nothing else they can do. And numerous times I asked them I wanted to talk to the supervisor or manager but they never gave me a chance. When I called UAS/XXXX on XX/XX/XXXX, while on conference call with XXXX XXXX representative, XXXX stated that they will send the refund again to XXXX XXXX but XXXX XXXX still didnt receive anything. And again I called UAS/XXXX and another customer service representative stated she doesnt see any updates in their system. I asked them again when exactly they send the check and for proof but they couldnt provide it. Even in my busy schedule I called them and wasted many hours because me and my parents worked hard for this money and I dont want to loose it. I was pregnant when I started this whole process and I felt so tortured. Now I have a XXXX XXXX baby and I spend a lot of time calling UASXXXX   instead of spending that time with my baby. I have been going through a very stressful process for this refund and I feel very disrespected and cheated by UAS/XXXX.
Consumer complaint received 2022-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (IL)

On XX/XX/2022 I sent in a letter to XXXX, XXXX, and Equifax. To have my information verified it has been 30 days with no comply they are not obeying the law.
Consumer complaint received 2022-02-02
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: CITIBANK, N.A. (OK)

This is in reference to my first unresolved issue : CFPB Complaint ID numbers : XXXX. 

The Case : Current Case numbers with Citibank : XXXX ( Incidental Reporting Unit ) - XXXX Citi Executive Response Team - XXXX On XX/XX/2021, my " protected '' saving account with CitiBank was completely wiped out through three consecutive unauthorized wire transfers totaling XXXX $ XXXX made on XX/XX/XXXX, XXXX, and XXXX, to an unknown receiver in XXXX without any authorization from me or even any notification from the bank of such suspicious transactions. I learned about the fraudulent transactions through my account manager when I called them on XX/XX/XXXX. Since then, I have immediately opened a case with the Bank 's Incidental Report Unit ( IRU ), the Bank 's Fraud UniXXXX, and the Bank 's Executive Response Team. Although the bank exceeded the 60 days period of investigations, they still did not provide me with a result of their investigation or credit the fund back. Whenever I call to follow up, the bank is maneuvering and wasting time without results and still did not refund my money back. The bank should be liable and take the responsibility of their mistake in releasing the wire transfers without my authorization or any attempt to verify the suspicious transactions or to notify me of such suspicious transactions. I only came to know about the fraud 3 weeks after their occurrence. During all this time, the bank did not raise any flag of questioning those transactions or bringing the matter to my attention. 

The bank failed to protect my account and follow the security procedures for verifying wire transfers although my account was dormant - without any transactions- for the last two years. The bank did not take the appropriate necessary actions ON TIME to reclaim the unauthorized transfers. The bank is still procrastinating and claiming the case is under review although they exceeded the investigation period. I still did not receive a formal response and the result of their investigation with evidences.
Consumer complaint received 2019-01-30
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (MO)

On various dates shown below, I did not authorize the following transactions : XX/XX/18 ( {$150.00} ) XX/XX/18 ( {$300.00} ) XX/XX/18 ( {$450.00} ) XX/XX/18 ( {$700.00} ) XX/XX/18 ( {$1000.00} ) XX/XX/18 ( {$400.00} ) XX/XX/18 ( {$300.00} ) XX/XX/18 ( {$500.00} ) XX/XX/18 ( {$500.00} ) Total : {$4300.00} However, after filing a claim ( Claim # XXXX ), Chase denied my claim. Now I have incurred a loss of that amount. Please help me rectify this issue.
Consumer complaint received 2022-08-24
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: HUNTINGTON NATIONAL BANK, THE (OH)

On XX/XX/XXXX I saw on my checking account online that two electronic checks for {$1000.00} and {$2000.00} were cashed on my Huntington Nat'l Bank checking account. 
I contacted the bank and we put the account on hold for 90 days, their policy, and opened up a new checking account. 

On XXXX Huntington bank put the {$3000.00} back into the on hold checking account. Then on XX/XX/XXXX I received a letter from XXXX XXXX XXXX asking about the money that was deducted from XXXX XXXX XXXX. 

I called XXXX, which is legit, and explained I don't know who XXXX XXXX is and someone stole my {$3000.00}. XXXX sent me paperwork to fill out so they can investigate and suggested I submit a FTC Identity Theft Report Affidavit. 

So I am doing that now. 

I am filling out the form they sent me and am sending back.
Consumer complaint received 2022-04-23
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A. (TX)

Citibanks discriminatory and retaliatory practices subjected me ( the consumer ) to a financial detriment that could've been prevented had procedures in place been adhered to. Without warrant they intentionally pursued the closure of the account because I asked to speak to someone in US after stating " I can't understand you. They left me on hold for 22 hours. I applied for the account, I was approved. Then I transfered funds to citibank. They waited on the wire and frozen almost instantly. They wouldn't give reason even though I verified every question they asked me. It is without question that the association of the request to speak to someone I'm the united states cause this. I waited weeks for that pay day. They knew that. Did not care. I was late on bills and they knew that, this caused me to get evicted, was already late and waited on this paycheck. Also, still haven't paid for car repairs resulting in repossessions of car. Slept outside for a week and jmablr to care for my ailing mother. This could've been prevented. The eru offices representatives, XXXX XXXX, really saw the detriment citibank caused and didn't understand it herself.
Consumer complaint received 2019-07-27
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Messerli & Kramer P.A. (MN)

I was served papers by messerli and Kramer law firm for an old XXXX debt totaling {$3000.00}. I called and we agreed on a settlement amount, that would be paid soon as I received the settlement offer. The rep/attorney said she wouldnt move forward with the lawsuit for 2 weeks to give time for the letter to get to me. I never received it, so I called again and the attorney emailed it to me. I paid the settlement amount as agreed. Today I received a letter saying they are dismissing without prejudice and said Im carrying a balance of {$540.00}
Consumer complaint received 2022-10-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

Dear XXXX, To whom it may concern, This account is reporting payment history each month when it should not since the account has been charged off. This is falsely manipulating the statute of limitations which is a FCRA violation. Because of this neglect in assuring everything in my report is accurate, consistent and up to date please DELETE this item immediately. 
Account : XXXX XXXX ( XXXX ) Please delete this account immediately and please mail the updated changes when deletions are made.