davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-11
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: Chime Financial Inc (FL)

I purchased a router from XXXX XXXX on XX/XX/2023 that was supposed to come with a 30 day free service. On XX/XX/2023 XXXX charged me {$110.00} for one month of internet service when my router was delivered. The service was not good so on XX/XX/2023 I contacted XXXX to cancel my service and return my router. I was assured by XXXX that I would get a full refund for the router and the internet service. 
I returned my equipment on XX/XX/2023 and it was received by XXXX on XX/XX/2023 via certified mail with signature required. On XX/XX/2023 I was charged {$110.00} for another months internet service- even though I had already cancelled my service on XX/XX/2023. I disputed the charge with my credit card company Chime XXXX XXXX, I also notified XXXX that the charge should not have been made as my service was already cancelled. On XX/XX/2023 I received an email from XXXX stating that they were refunding the charges for the router and the monthly charges. On XX/XX/2023 a credit for {$110.00} for the XXXX charge was issued on my Chime XXXX XXXX card. XXXX said on XX/XX/2023 at XXXX that they could not refund the XXXX charges because it was disputed by my bank. Chime says everything was refunded by XXXX on XX/XX/2023 in the amount of {$110.00}. No matter what I say or try to explain to either company, even with all of the conversations and invoices I have, neither company wants to give me back the {$110.00} from the XXXX invoice.
Consumer complaint received 2022-07-07
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem making or receiving payments
Company: ALLY FINANCIAL INC. (CA)

I own an ally bank savings account and was trying to transfer my funds out of the account. 

They put a fraud alert on my account, disabled online access and asked me to submit proof of ownership including copy of my SSN to restore access. I was able to talk to a fraud supervisor to remove the account freeze. 

However, after 2 weeks of the intended transfer, my funds ( XXXX ) are still on hold and not available to me. Their fraud department is painful and arrogant to deal with and have made it hard to access my own money even after the fraud concerns are removed. 

I have tried to contact them through secure messages, phone calls and disputing the transactions but no response from them. 

This is one of the worst experiences I have had with a bank and would advice other folks to stay clear.
Consumer complaint received 2022-07-07
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A. (VA)

On XX/XX/2022, PNC bank withdrew {$3200.00} and charge a fee of {$100.00} from my savings account. I called and was informed it was court order. 

They sent me a copy of the letter which was printed with the XXXX XXXX government letter however, the address and phone number belongs to a collection agency. 

PNC withdrew money from my savings account without verifying it was from XXXX XXXX government and failed to verify the amount if indeed it was from the county. 

They also failed to notify me in a timely manner, I received the letter from PNC on XX/XX/XXXX after they money was withdrawn. 

I've sent them an email about this matter and I've called, XXXX, person in responding to my complaint but each time I've called, she has not returned my call.
Consumer complaint received 2022-07-06
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. (IL)

I sent a letter XX/XX/2022. Here are my tracking numbers XXXX, XXXX, XXXX, To remove personal information that I do not want on my credit report. According to the fair credit reporting act 12 USC 1681, I have the right to privacy. Also according to 15 USC 6802, no financial institute is suppose to share my information to any third party.

These are a clear violation of my federally protected consumer rights
Consumer complaint received 2022-07-06
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. (PA)

On XX/XX/XXXX I sent a certified letter to Equifax disputing the accuracy of account XXXX  XXXX # XXXX and indicated to them I had no knowledge of this account. I asked for the removal of the account since I did not recognize it. I also disputed the accuracy of account XXXX XXXX # XXXX since it is inaccurately reporting. This account is showing a Date Last Active of XX/XX/XXXX, XXXX shows XX/XX/XXXX and XXXX shows a date of XX/XX/XXXX. How can this information be different when it is being provided by the same lender/creditor/collection agency ? Lastly, I disputed the accuracy of account XXXX XXXX  # XXXX I asked them for verification that this account was mine. Additionally, the account is showing a Date Last Active of XX/XX/XXXX, XXXX shows XX/XX/XXXX and XXXX shows XX/XX/XXXX. This violates the FCRA since all credit reporting agencies must report only accurate and factual information. Furthermore, Equifax has violated my consumer rights by not conducting a proper investigation and getting back to me within 30 days. Please see attached tracking information showing date certified letter was sent and received. They received the letter on XX/XX/XXXX at XXXX am. Today is XX/XX/XXXX and have yet to get their response. I ask that all disputed items be removed from my credit file immediately as a result of this violation. Furthermore, I am also attaching my identity theft report which includes the disputed account from XXXX XXXX XXXXXXXX XXXX  which is a result of fraud since I did no authorize such account.
Consumer complaint received 2022-07-06
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. (ID)

In accordance with the Fair Credit Reporting Act, XXXX XXXX, Also known as XXXX 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 a account without my written instructions.

To whom it may concern : I request more explanation on said reported account. I have not received proof of ownership of this debt including signed agreements ect. I am proceeding under the Fair Credit Reporting Act law. I have the right to challenge I am not sure is accurate. Reporting things on my credit file I did not agree to have reported or have not heard of.

Under 15 U.S.C Sec. 1681 I ( a ) you can not provide proof ( Proof being a signed agreement of the two parties to the debt ) then these accounts need to be deleted. That everything in that report must be 100 % correct or it should be deleted. please investigate the following account and remove them if proof is not obtained at a 100 % assurance of factual information.

15 U.S.C 1681 ( 3 ) E states ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with whom he is acquainted or who may have knowledge concerning any such items of information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer or from the consumer.

They also violated my rights numerous times.

According to U.S.C 1681 section 602 A states as I have the right to privacy this has been violated many times by this agency by this account I request they delete and remove it.

According to 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. Please send proof of my written instructions or delete the account from the report.

According to 15 U.S.C 1681 s-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. See the Also know as different names different accounts Cause for concern this account is not accurate and should be deleted and removed.
Consumer complaint received 2022-07-07
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: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Reporting act XXXX Account US DEPT ED # 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 2022-07-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: DISCOVER BANK (SC)

I have been going through a very complex child custody battle since XX/XX/20. Opposing party and I were NEVER married, never lived together, resided in two different states. Never shared or conjoined any bank accounts, NOTHING. I raised my daughter for 10 yrs.and I never received ANYTHING FROM OPPOSING PARTY. 
His attorney issued a subpoena to my Discover Credit Cards Co. demanding they produce all my personal and private information ( attached ). Discover is claiming they will comply with request if I dont produce a court order saying otherwise. However, the subpoena is NOT court ordered, it is NOT signed by a judge, merely a request. I reached out to Discover and made it very clear that I DO AUTHORIZE THE RELEASE OF ANY OF MY PERSONAL AND PRIVATE INFORMATION.
Consumer complaint received 2022-11-03
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC (NC)

I called LoanDepot at XXXX on XX/XX/2022. I called from my mobile number XXXX. 

I called for general information and stated multiple times I did not want a hard inquiry and they still ran a hard inquiry on my credit. 

The representatives name was XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-06
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. (SC)

I disputed a charge-off/collections account on my credit report on XX/XX/2022 via certified mail. The amount was {$91.00}. This information was sent to all 3 Credit Bureaus, XXXX XXXX, and XXXX deleted the account. Equifax has not placed the account in dispute, or acknowledged my request. They have yet to respond to my inquiry and it has been well over 30 days.
Consumer complaint received 2022-07-06
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. (IL)

N Accordance with the Fair Credit Reporting act convergent Account # XXXX / XXXX XXXX  Account # XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXXt XXXX Account # XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX US Dept Of ED Account # XXXX US Dept of ED Account XXXX XXXX US Dept of ED Account XXXX XXXX US Dept of ED Account XXXX XXXX US Dept of ED Account XXXX XXXX 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 a account without my written instructions.
Consumer complaint received 2022-10-18
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Klarna AB (MI)

On XX/XX/XXXX I tried to make a purchase they were quoted me one price but when I went to go check out they change the price. Ive been doing business with them since 2021. So I called them because Ive never had that to happen to me before & I have {$400.00}. XXXX  purchase. When I spoke with the representative he told me that they do credit checks every time you make a purchase. Ive never had a problem and Ive always purchased through them. And they never informed me that they were doing credit checks and I never authorize anyone to check my credit..they had my debit card they knew that the money was in my account. Once I told him that I never received anything stating that they were checking my credit and I never authorize them to check my credit. When I hang up that they denied my purchases and refuse to allow me to use the service and wiped out all of my purchasing power.
Consumer complaint received 2022-07-06
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Neon Newco Corporation (TX)

On XX/XX/XXXX, I met a guy to buy a car. He said he had the title but after paying XXXX from my account, Netspend, through PayPal he claimed he would need to obtain a copy. I called XXXX to verify he was the titled owner of the car. They said he was. For weeks I kept asking for the title only being told this weekend. That weekend never came. On XX/XX/XXXX the car was repossessed as he had taken out a title loan against the car on XXXX first. I filled a dispute with my back that was processed through XXXXXXXX XXXX XXXXXXXX. PayPal, seller bank I paid through, found in my favor because he didnt respond. My bank, Netspend, received an auto generated email. Netspend took that email as PayPal would not pay me. I called paypal only to be told they are waiting for my bank to find in my favor so the can return the money to them. I feel I am owed that money. I obtain a lien holder paper from the car title office. I reached out to XXXX XXXX who now had the car.. I am looking for help to get my money back. I have documents supporting my case. In his add for the car he says it is paid off.
Consumer complaint received 2022-11-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A. (IL)

XXXX XXXX, XXXX. The following occurred : XXXX transactions made on XX/XX/XXXX Posted XX/XX/XXXX XX/XX/XXXX Debit Card Purchase XX/XX/XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Debit Card Purchase XX/XX/XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX Card Purchase XX/XX/XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Debit Card XXXX XX/XX/XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Debit Card Purchase XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Debit Card Purchase XX/XX/XXXX XXXX # XXXX XXXX XXXXXXXX XXXX XXXX RE : Police report XXXX Date : XX/XX/XXXX My caregiver placed this low-income XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, pushed my wheelchair into the bedroom, went into the kitchen and while I assumed she was preparing my lunch, grabbed my cell phone and began sending unauthorized XXXX  transactions to herself. 
After a while, I began calling her name. After my third cry, I realized she was no longer in the apartment. Then I crawled to my wheelchair and rolled into the kitchen where I noticed that my keys were gone. Thats when I realized that something was wrong. Then I went to my desk and saw that my XXXX XXXX phone was not where I had left it. My black bag in which I kept my IDs, bank cards, Medicaid, insurance cards, and medical papers was still there. 
When I looked inside, I saw that my SS card, IL state ID, Citi debit card, and credit cards were missing. 
It was the worst day of my life. And now Citi is telling me this never happened and is holding me accountable for the missing funds. Citi has applied provisional credit for the ATM withdrawals, ( XXXX, but I received a letter stating this will be withdrawn. Citi has not applied the {$1700.00} provisional credit for the XXXX thefts as I was told they would, and now I can not pay my rent and may soon be evicted.
Consumer complaint received 2016-08-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I 've been a victim of Transunion 's inquiry issue and they refuse to remove the inquiries after calling their customer service representative. Their customer service would not help and take care of the negative inquiries reporting to my credit report. 

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 2022-11-03
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: CITIBANK, N.A. (VA)

At XXXX XXXX  I received XXXX emails from Citi Bank, I do not have accounts with them. XXXX of the emails acknowledge the opening of a checking and savings account. 
XXXX email contained the user ID used for login. 
I tried to contact Citi Bank but can not get through as I do not have the account number or other verification information, I could not use my SSN to access it either
Consumer complaint received 2022-07-06
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: DISCOVER BANK (CA)

I opened a Discover Bank saving account on XX/XX/XXXX and transferred {$15000.00} from my XXXX XXXX to the account, and then they suspended my account ~20 mins later!

My {$15000.00} got transferred to that account and can not be accessed. My most recent paycheck of a few thousands of dollars also went to that account. Now there are more than {$20000.00} in the account and couldn't be accessed. Tens of thousands of dollars are now seized by Discover bank without allowing me to use, which looks like a blatant robbery. 

I called them many times with the phone number they provided in the account suspension email and they always transferred me to the security team that never answered my phone even after hours ( and they always hang my call after ~2 hours ). I began to wonder if the security team actually exists. This is a huge amount of money that is locked in the account, and Discover does not provide a way for me to reactivate my account. I have been struggling with my life since the beginning of COVID. I have been working harder to earn a living for my family. With the loss of so much money our life becomes even harder. 

I am writing this complain to ask Discover bank to contact me and get my account reactivated, in a timely manner because I need to use the money for my daily life.
Consumer complaint received 2022-07-06
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. (NJ)

n accordance with the Fair Credit Reporting act XXXX XXXX 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 a account without my written instructions
Consumer complaint received 2022-10-18
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)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2022-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (TX)

I tried to register online at Equifax and it does not recognize my XXXX mobile phone number ( XXXX ) XXXX so since i can't register online using their site to get my free annual credit report from them i called and spoke to one of their customer service representives and i was told to write them a letter and request that they register me and send me a copy of my credit report. I did that 8 weeks ago and i still haven't received a response back from then and now when i try to call them after about 30 minutes i finally get an automated message from the computer csr that due to the high call volume they are not able to complete my call and the telephone line goes dead- This is why i am filing a complaint by law they should send me a free credit report i can be reached at : XXXX or my home based telephone number is ( XXXX ) XXXX or cell mobile number ( XXXX ) XXXX address : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX 
XXXX XXXX, Texas XXXX
Consumer complaint received 2022-07-06
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: JPMORGAN CHASE & CO. (DE)

On XX/XX/2022, I contacted multiple banks trying to acquire a business loan, all had advised me that due to my business being so new ( opened on XX/XX/2022 ), they couldn't help me. This is how I got to Chase, called asking the same question I had asked 7 other banks, looking to take a loan out under my business name, new business, I have excellent credit and good personal income but trying to establish my business. XXXX XXXX XXXX XXXX ext # XXXX from Chase advised me that this isn't an issue with Chase, a business does not need to have history, they are one of the few lenders that would lend, I provided him all the information he requested. Today, XX/XX/2022, when I called to get a status on my application, I was advised the application was denied due to " Length on time on business '' & " Value of business Collateral '', to which I responded to XXXX how are those reason to deny my application when I advised you this is a brand new entity, I am trying to get a loan in order to obtain collateral and my main question prior to doing an application was do you lend to companies that are just starting. I advised XXXX I want to dispute the credit inquiry, I feel like I was misled into applying for the loan, when the reason for the denial clearly states Chase is looking for businesses to be in business for a longer period. XXXX advised me to contact the credit reporting agencies, he was unable to provide me information on how I could dispute the information via Chase.
Consumer complaint received 2022-07-06
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC. (FL)

In XX/XX/2021 we leased a new vehicle through Ally. In XX/XX/2021 the vehicle was totalled. The insurance proceeds paid off the full balance of the lease and their excess funds in excess of {$20000.00}. These excess funds were generated by our trade on the vehicle and our down payment. Despite numerous requests Ally refuses to return them claiming they are entitled to keep our down payment and trade value. Ally has unjustly enriched itself.