davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-16
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2021-11-19
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (NY)

Original Complaint : Citibank suddenly suspended my account. I have no issue with it. But the problem is my remaining balance. They said they would deliver an account closing letter for me but I never received it. I only got an email that they sent me an e-letter to my Citibank app, but since they had closed my account, I can not log in to the Citibank app anymore, so there is no way for me to check the account closing letter. I called the XXXX many times but all of them can not fix the problem, even can not give me a clear solution where or how to collect my remaining balance in the account. Before there was a CS told me that I could collect the balance in any branch, but when I went there, I was told that they still have to wait for the XXXX department to decide. Such poor internal communication and Wasted my time. Please be professional and send me the remaining balance by bank cheque ASAP. Thanks. 

I also submitted the above complaint via XXXX on XX/XX/2021 ( Ref no : XXXX ). I got a reply from Citi bank on XX/XX/XXXX via XXXX, within that letter CitiBank mentioned : 'If we close your account, we will send you a check for your final balance '', and also said that they need XXXX business days to process it. 

Well, more half-year has passed. I still haven't received any check for my remaining balance. I called the CS a week ago but was told : 'Sorry we just returned all your remaining balance to the original payer '! 

I am so shocked. How can a bank just remove my legal assets without any advanced explanation or investigation? How can we trust the bank then? 
Even if it has any recall from anyone, at least the bank should let me know which payment has a problem, so that I can contact the payer to explain or provide the related evidence.
Consumer complaint received 2015-11-20
Product: Bank account or service — (CD) Certificate of deposit
Issue: Account opening, closing, or management — 
Company: BB&T CORPORATION (PA)

Redeemed cd at BB & T bank, XXXX XXXX, PA. They were unable to give me either a check or cash. Had to open a checking acct to have access to my funds. Did not want a checking acct. fortunately was able to close out that acct the next day at another branch.
Consumer complaint received 2022-08-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I submitted a letter to the 3 Credit Bureaus XX/XX/2022 to delete this suspicious information. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law.

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, and I'm including it again. XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-12
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. (KS)

On XXXX I tried to book a hotel on Chase XXXX. The website was not working whatsoever, and it directed me to call an agent. Which proceeded to help me book the reservation and didn't disclose any addons or any extras on the reservation. 
The agent charged my card {$310.00} where he added {$10.00} for breakfast per person even though the establishment doesn't offer breakfast. Also made me pay a higher rate than the advertised price. 
I went to the hotel and stayed my day and got an itemized receipt that the actual stay was only {$250.00}, and chase charged me over the rate. 

Not only that I tried to call on XX/XX/12 and was on the phone for XXXX hours being transferred from Customer service to travel to help desk then he transferred me to benefits to get rid of me ( Benefits is handled by a third-party company )
Consumer complaint received 2016-02-18
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (KS)

I HAVE NEVER HAD A " TIMESHARE '' WITH ANY COMPANY- I HAVE DISPUTED WITH EQUIFAX SEVERAL TIMES IN REFERENCE TO A COMPANY NAMED XXXX XXXX XXXX THAT HAS MY SOCIAL AND IS REPORTING AN ACCOUNT THAT DOES NOT BELONG TO ME. I HAVE FILED A POLICE REPORT AND THEY REFUSE TO COMPLY WITH THE AUTHORITIES.
Consumer complaint received 2022-10-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

Ive noticed unauthorized inquiries on my report OR someone applied for something in my name. AND Fair Credit Reporting Act ( FRCA ) requires all unverified and unauthorized items must be removed from my credit report. Also, My information might have been impacted by the Equifax data breach and may have got into the hands of the wrong person. 

XXXX XXXX, XXXX  XXXX  Inquiry : XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ( XXXX ) XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ( XXXX ) XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX Inquiry : XXXX. XXXX, XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX, VA XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX ( XXXX ) XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX Inquiry : XXXX. XXXX, XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX, VA XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, AR XXXX ( XXXX ) XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX Inquiry : XXXX. XXXX, XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Inquiry : XXXX. XXXX, XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX, VA XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Inquiry : XXXX. XXXX, XXXX XXXX  XXXX  XXXX CO XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX  XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Inquiry : XXXX XXXX, XXXX XXXX  XXXX  XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, FL XXXX ( XXXX ) XXXX Reported : XXXX XXXX, XXXX
Consumer complaint received 2019-12-12
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. (NM)

On XX/XX/2019 I disputed an account on my credit report with a factual error with XXXX  / XXXX   XXXX  which came back verified even when I have a letter from the creditor in dispute that I will attach to this dispute saying that the account is no longer with them, so then how did EQUIFAX verify this?????? EQUIFAX has failed to do a proper investigation. I demand that EQUIFAX provide the method of verification under section 611 of the FCRA or delete this account immediately
Consumer complaint received 2022-08-04
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. (NY)

In accordance with the Fair Credit Reporting act Department OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXXas 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 2022-04-21
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)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy XXXX XXXX  XXXX Bankruptcy XXXX 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
Consumer complaint received 2021-11-19
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc (NY)

I received a notice today via my Chime app as it logged me out that my account was closed. I have received no true and valid information on why my account was closed after a direct deposit in which I consistently receive was made. I disputed an atm charge from XX/XX/2021 in which chime closed in XXXX days without reaching out to the atm merchant to open a dispute on my behalf to see what actually happen with the transaction. Other banks would never. They would file a dispute and investigate the dispute. I thought disputes take any where from XXXX days. Many of the people working customer service is very difficult to understand their speaking as they have foreign accents and then consistently they have no one to speak to as they advise you to email them and the email department for them is horrible. Lack of compassion for their customers, as well as lack of solid information for customers when they have an issue. That online bank needs to be investigated and closed as they await for people 's deposits to come in and then they decide to close the account therefore holding the customers money for an amount of time before the customers can access their hard owned funds. Its inconsiderate and a inconvenience to the customer in which they don't care. Then as I have spoken to other customers of Chime they have stated that they have had the same issue with the company. Chime.
Consumer complaint received 2022-08-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (PA)

US DEPARTMENT OF EDUCATION Did not had to report that the balance was paid. It lower my credit score because it reported information that is not important to be shown. Its not a debt.
Consumer complaint received 2022-08-16
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: Incomm Holdings Inc. (NE)

My son received a prepaid Visa Giftcard for the amount of {$100.00} ( so did my daughter ). I went to use the cards to purchase some sports equipment/baseball bags for my son and the same for my daughter. I had an unopened Visa Giftcard and ripped it open at the register. When I scanned the card for payment of the purchase, the cashier told me that there was {$38.00} available balance on the card. I purchased my daughter 's bag using her unopened Visa Giftcard and she still had a {$100.00} balance. When I returned home I looked up the purchase history on this card and discovered that there was a fraud and someone had made a purchase on XXXX @ XXXX XXXX  for the amount of {$61.00} was used at a XXXX in California. I am not sure what they purchased. I called a number and was able to get ahold of someone and was told to file a complaint, after receiving an email. I received a response on XX/XX/1922 at XXXX : XXXX which prompted me to mail in a complaint form, which I did. I have not received any correspondence to date after I filed my complaint. I will show a copy of my complaint at the end of this. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Gift Card Dispute - Trouble Ticket / Case ID / XXXX External Inbox XXXX Attachments Wed, XX/XX/XXXX, XXXX XXXX  to me Dear XXXX XXXX This email is to confirm that we have received your verbal notification of your claim. 

We will begin the investigation once you provide the completed case form. 

For your convenience, we have attached this form that should be completed and returned to us immediately. 

You may send the case form to us by Email to XXXX Fax to XXXX Mail to : InComm, Inc. 
Attn : Resolution Department XXXX XXXX XXXX XXXX, GA XXXX Sincerely, Case Resolution XXXX XXXX XXXX XXXX, GA XXXX Fax : XXXX Email : XXXX XXXX
Consumer complaint received 2022-08-16
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AZ LENDING EXPERTS, LLC (AZ)

AZ Lending Experts , LLC XXXX XXXX ; AZ XXXX XXXX ; XXXX XXXX XXXX # XXXX & XXXX XXXX XXXX # XXXX XXXX XXXX lied to me about a mortgage I applied for. He ran my credit. My credit was run on XX/XX/22. And even pre-approved me for over {$100000.00} more than I could afford on the salary he was paying me. I had a lease so I was originally going to hold off until my lease ended. He was also my employer. I was doing video work for AZ Lending Experts. He and his partner had pretty much stopped doing the videos they hired me to create nearing the end of XXXX. I had a problem with my apartment and had to move out so I went to XXXX at the beginning of XXXX and I told him that I wanted to move forward with the loan he pre-approved me for. He said nothing about anything and began asking me for documents. Then on XX/XX/22, I was fired without notice and they claim it was because I left at XXXX on a Friday after I had done all of the work they assigned me to do. They had been planning on firing me. In fact, I left because, and this can be proven in a text message to XXXX XXXX, they made me feel uncomfortable setting up some podcast video set and XXXX kept making statements that made it clear that I was no longer going to have a job. But he was still asking me for documents. So I feel like A. he ran my credit knowing he was not going to approve me because I would have no income when they fired me, and B. that he pre-approved me deceptively to do other things behind my back concerning my employment without me thinking twice about it.
Consumer complaint received 2021-12-03
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. (LA)

I NOTICED ACCOUNTS DISPLAYING ON MY CONSUMER REPORT THAT ARE IN VIOLATION TO MY RIGHT AS A FEDERALLY PROTECTED CONSUMER. I DEMAND THESE ACCOUNTS REMOVED FROM MY CREDIT REPORT IMMEDIATELY. 
XXXX XXXX Auto-acct # XXXX bal : {$0.00} opened : XX/XX/XXXX XXXX XXXX Auto-acct # XXXX bal : {$0.00} opened : XX/XX/XXXX Pursuant to 15 USC 1681a ( 2 ) ( B ) Any authorization of a public extension of a credit directly or indirectly by the issuer of a " credit card '' or similar device should be excluded from a consumer report. The definition of a " credit card '' under 15 USC 1602 ( l ) which states ; the term " credit card '' means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. 
Notice, Congress said " ANY '' card ; which is MY SOCIAL SECURITY CARD. This is the credit card used to originate every consumer credit transaction listed above. Remove them from my consumer report pursuant to 15 USC 1681a ( 2 ) ( B ) immediately as you are in violation of my rights as a consumer.
Consumer complaint received 2021-11-25
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. ()

Hello, I sign up for the coinbase platform in XX/XX/XXXX since then Ihave benn investing every month, hanving returns.on XX/XX/XXXX Idecided to get some of the profitability out of my personal account and leave XXXX euros in my Coinbase portofolio.the next day Coinbase restrited my account ( supposedly because of problems they tell me ) on XX/XX/XXXX he entered Coinbase and all my chrytomocurrencies have disappeared for approximately XXXX euros .I feel like he scammed me
Consumer complaint received 2022-11-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Affirm Holdings, Inc (MI)

XXXX or XXXX of XX/XX/2022 ; I placed a temporary credit lift on my credit file of reference to that with XXXX which is normally locked to look at utilising Affirm which is a distributed payment or purchase-loan affiliation program instituted to aid in payment spreading for larger level purchases associated with that of credit easing. Such was being conducted to examine purchasing bicycle to ensure for freedom of movement to the juxtaposition of local, regional, and national caging associated with organ surrogacy and trafficking related to that of affiliated persecutory actions of relation towards maintaining international relations. Upon unlocking the credit with the actual provider XXXX which is headquartered in the city of XXXX ; access to credit services were intentionally still being restricted by the company Affirm; essentially positioning through the caller support for the later consolidation of the firm and use of the collected audio fraudulently for the purposes of creating the auspices that submitted PII information was obtained by accidentally interacting with a fraudulent vendor and not the company itself. For example asking to submit debit card information upon intial callout when such had not been submitted to the application, nor would be prior to credit ascertations in support of nationally oriented and intentional financial restrictions of direct relation to nationally oriented organ surrogacy. Similarly the representative suggested to call back in 24 - 48 ; stated time window to complete alloted XXXX training, actions which are being detrimentally exerted and manipulated of direct association to national intelligence initiatives guised as policing by family members and localities. Such is entirely being positioned for lateral theft of identity towards that of a family member for the purposes of nationally oriented subjugation.
Consumer complaint received 2021-11-19
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ProCollect, Inc. (TX)

Complaint against : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX Property Manager XXXX XXXX, Supervisor " XXXX '' During my stay at XXXX XXXX as a renter, complained to Manager about unsanitary and unsafe conditions. XXXX XXXX did not provided services promised in contract. We complained, and never got the services requested. Vandalism and breaking and entering to XXXX XXXX property and a neighbor occured.Felt unsafe.Ask to be relocated to another apartment and they asked for additional money. The trash container was next to our apartment. Trash was tossed to container and did not landed inside, having very frequently trash in our door step. Dogs XXXX outside our apartment. Dust with dehydreded XXXX entered our apartment, windows did not sealed our dust. We became ill. Asked to leave. Reprisals came. Vacated apartment within legal conditions. My son suffered accidet. Maintenance accepted they had misinstalled handle to use in bathroom. When vacated the apartment, we were overcharged with costs we disputed. They send one notification to my father 's house. He was in hospital, when discharged we learned our bill was sent to collections. Communicated with XXXX  and disputed. They lowered the amount due. Got several conflicting e mails threatenning legal action from XXXX XXXX. By that time I already paid half of the debt. XXXX sold my personal information to Collectors, including my father 's as well. My father after discharged got threatenning phonecalls. Got sick because of that. Question : how can they threaten me with legal action XXXX if they sold my debt and personal information ( mine, and two sins ) without authorization? When the collector started to threaten XXXX was asking for XXXX usd, but then they accepted my dispute I owed and never declined to pay, XXXX charged me XXXX usd, a totally different debt. This invalidated the previous collection. Please help. My name is XXXX XXXX XXXX