davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-22
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. (MI)

In accordance with the Fair Credit Reporting act XXXX, XXXX, and Trans Union violated my rights to privacy. 

XX/XX/2022 and XX/XX/2022 XXXX XXXX reported 30 day lates on my report which was inaccurate. Ive tried reaching out to then on several occasions via mail and phone, yet they failed to provide me with verifying proof that my payments were late. I have called with my bank on the phone proving my payments were actually paid on time. 

15 USC 1681 section 604A section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions. 
15 USC 1666b : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose.

This violation has caused me great grief as to my credit score.
Consumer complaint received 2022-07-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

On XX/XX/XXXX my personal XXXX device was stolen at a shooing center and $ XXXX in fraudulent transactions were made using the bank app on my device. I immediately filed a claim with Bank of America and was given a temporary credits. Fast forward to now, after very little research being done, my claim has been denied and the credit reversed. Essentially, they feel that since the funds were stolen using a device that I own then I am responsible. Even though the device was not in my possession. They also stated that it was my fault for not having my device hidden in my bag, and a passcode on it. Yes, you read correctly. As a victim of a crime, I am being blamed for making it too easy for the criminal to rob me. Not only am I being unfairly blamed for my own victimization, Bank of America is also requiring that I complete my own investigation to prove that my device was stolen, including obtaining 4 month old security camera footage and tracking down the device history from XXXX. They also want written statements from all parties involved. While I dont mind doing the work, I did make one simple request and that was that I be reissued the temporary credit while Im gathering those things as its going to take me quite a bit of time as a one man team, to do the work that Bank of America was not able to do. The bank is refusing to credit my account in the amount of the stolen funds while I go through this process alone. So now my account is overdrawn, my mortgage is due, and a financial hardship has been placed on myself and my family. I feel its unreasonable to expect a customer to navigate the investigation of fraud, however its even more unreasonable to not provide a credit to my account while I do it. Its XXXX. After being a loyal customer with Bank of America since XXXX, they are choosing to leave me hanging out to dry over {$1100.00} during a global pandemic that has left many people struggling financially. Though Bank of America is a XXXX XXXXXXXX DOLLAR CORPORATION that is I more than capable of extending grace to a loyal customer, I am not asking for a handout. Im simply asking for grace and an extension of the account credit while I do the legwork on my end to support my claim.
Consumer complaint received 2022-03-25
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. (AR)

Hello so on XX/XX/2022 I mailed a letter regarding inaccurate and unverified things on my credit report. to this day over 60 days later I have not received a response yet. I feel like I'm being ignored for my disputes by you all and them. I demand these accounts be deleted immediately or I will file for litigation because of the stress you caused me. My information was also affected by Equifax and the XXXX data breach and may have gotten into the wrong hands.
Consumer complaint received 2022-03-25
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: JPMORGAN CHASE & CO. (WI)

I called Chase on XX/XX/22 and spoke with a telephone rep named XXXX. I had an errant fee charged to my account and wanted to close my checking account. The Cahse rep instructed me to visit my local branch to close my checking account. I told her three times that local branches are closed and I wanted to close my account by phone. When I asked for a manager, they suddenly transfered me to a different department and XXXX was able to assist me immediately. I'm sending a complaint to the CFPB because I think its wrong for banks to make it difficult for the public to reduce access to gain or end banking services. Purposely restricting access to banking services to the public is wrong.
Consumer complaint received 2020-03-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC. (FL)

I received a collection notice in the mail from AFNI , Inc., so I called and spoke with a lady by the name of XXXX on their customer contact number. The purpose of my call was to record a dispute of this debt as I am a current XXXX XXXX XXXX account holder with no balance owed. She immediately wanted to send me a " Fraud Package '' instead of recording the dispute on my account. Last I spoke with XXXX XXXX XXXX, I have no balance on the account. She kept interrupting me and wouldn't acknowledge me asking her to supply me with proper documentation of which I asked for numerous times. 
Call is dated XX/XX/2020 at XXXX EST.
Consumer complaint received 2021-02-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

XXXX XXXX  XXXX XXXX  approved my forbearance due to COVID-19, and in XX/XX/2021, XXXX XXXX  approved deferment option. At the same time, they reported to credit bureau of been OVER 180 days late. I tried to contact XXXX XXXX  several time and the customer service rep kept lying to me about the situation.I requested to talk to supervisor, but they'll not let me talk to the supervisor. I requested a call back but no one ever called me back.
Consumer complaint received 2018-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CITIBANK, N.A. (TN)

Old Case # XXXX No one can validate this XXXX XXXX account - no signatures, no ID 's, not tracking numbers, no. They are supposed to keep these on file, but instead the only sent me unsigned receipts for purchases in the state of Florida. That is not validation! They are also reporting the account late and with a balance. How can this be legal.
Consumer complaint received 2022-04-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( 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 2022-03-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Omega RMS, LLC (MS)

I received a bill from Omega RMS LLC for the amount of {$240.00} informing I owe a bill to XXXX  but the strangest thing is I have an open account and pay this company every single month was informed that all bills owe was discounted and restarted account with XXXX balance. I never got a bill after this from the company and they informed me not to worry about any new bills for I am directly debited from this company. This is clearly a mistake that needs to be fixed immediately. I have been a customer for more than XXXX years XXXX
Consumer complaint received 2022-08-08
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: VYSTAR CREDIT UNION (FL)

XXXX  and theyre bank XXXX  let someone open an account in my name and withdrawal funds from my account and wont do anything to help the situation. I cant get a hold of a live person and they wont respond to my via email anymore. 

XX/XX/2021 XXXX XXXX  Charged me XXXX XX/XX/202XXXX XXXX XXXX Charged me 3 seprate times all for XXXX each adding up to XXXX XX/XX/2021 - XXXX Charged me twice for XXXX each adding up to XXXX that day XX/XX/2021 XXXX XXXX Charged me XXXX and again for XXXX. 

I few months later when i was doing my taxes i noticed the funds missing. My bank did a investagation but was unable to do anything since it had bee so long. I contacted XXXX multiple times and the refuse to do anything even though they have since locked the fraudulent account and know it was fraud.
Consumer complaint received 2022-03-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (DE)

I applied for the XXXX XXXX credit card XX/XX/2022, financed by Chase, when booking a flight. A credit card promotion pop-up offered a {$200.00} statement credit and XXXX rapid reward points if spend {$1000.00} within the first three months, when apply and approved for a new account. I purchased over {$900.00} in airline tickets the day the account was opened and then about a week later had another charge for {$390.00} to put me over the {$1000.00} spend requirement. I have received the XXXX rapid reward points ; however, the {$200.00} statement credit has not yet been applied. When I reached out to Chase directly they advised the only offer was for the rapid rewards points. This is the terms & agreement on the XXXX website regarding the {$200.00} statement credit -- -- - * OFFER DETAILS XXXX XXXX XXXX XXXX XXXX  CREDIT CARD {$200.00} Statement Credit This product is not available to either ( i ) current cardmembers of this credit card, or ( ii ) previous cardmembers of this credit card who received a new cardmember bonus for this credit card within the last 24 months. You will qualify for and receive your bonus after your First Purchase. ( First Purchase does not include balance transfers, cash advances, travelers checks, foreign currency, money orders, wire transfers or similar cash-like transactions, lottery tickets, casino gaming chips, race track wagers or similar betting transactions, any checks that access your account, interest, unauthorized or fraudulent charges, and fees of any kind, including an annual fee, if applicable. ) After qualifying, please allow up to 8 weeks for statement credit to post to your account. To be eligible for this bonus offer, account must be open and not in default at the time of fulfillment. 

The {$200.00} statement credit offer is still reflected on the website ( www.southwest.com ) ; however, the rapid rewards is currently XXXX points if spend {$500.00} in first three months. I want the {$200.00} statement credit as advertised. My account is open and not in default. This is false advertising, I would not have applied for this credit card without seeing this offer and would have used another card I already have. There are plenty of consumer boards that reflect that this is an ongoing problem. I have asked for Chase to provide me with the offer from the XXXX XXXX website at the time of account opening, as it should be readily available for record retention purposes, and they have not provided me that information.
Consumer complaint received 2021-05-07
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (FL)

on XX/XX/2021, I received an authorized wire transfer into my small business checking account at Wells Fargo bank. The next day I sent the funds to my supplier. After the funds were sent, the sending back requested that the funds be returned. Wells Fargo then removed all remaining funds from my account, then closed the account, causing a loss of {$30000.00}, which was all the funds from my account, that I had obtained from an SBA loan.
Consumer complaint received 2020-04-16
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (FL)

ive been with american express serve and i cant access my information online banking cant use my card to make transactions or withdraw money since XX/XX/2020 cant get a hold with the bank they said online i can access my account online or on app but it wont let me in. saying my email and password in invalid so i did a recover my password and it wont let me rest my password to get in. can get a hold with the team saying they might not be able to take my calls
Consumer complaint received 2022-11-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PA)

XXXX XXXX XXXX  # XXXX / XXXX Date Opened : XXXX / XX/XX/ In accordance with the Fair Credit Reporting Act XXXX Account # 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 an account without my written instructions.
Consumer complaint received 2020-03-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (CA)

I am having problems when making payments and I am struggling to pay my bill. I reached out to XXXX XXXX asking for a temporary hardship plan at {$200.00} a month and to address the interest rate and reduce to up to 9 % - as currently my APR is 17 %. Citibank sent me a letter however when I called into their Client Focus Team and Customer Service Department to request for a pre-plan arrangement and temporary plans of 2 to 2.5 % of the current balance set as a monthly payment - I was told I would need to close my account. Other people are able to keep their account open and make payments arrangements with a lower APR - why am I not being given that option?
Consumer complaint received 2022-03-25
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Winklevoss Exchange LLC (SD)

My account is froze and they will not get back to me to resolve. This happened XX/XX/XXXX th and someone gained access to my email and i had to freeze my account. I got it back open and it happened again on XX/XX/XXXX, this time i was able to freeze account and someone sold XXXX without me knowing. Ive tried to get them to unfreeze my account but they have not responded all week. These are my claim reports Subject : We have received your request! - how long will it be frozen, Ticket ID : XXXX We have received your inquiry and one of our support agents will respond to your request as soon as possible. 


In the meantime, our help center is a great resource to find the answers to most questions about Gemini! https : //support.gemini.com/. If you were able to find a solution to your issue we would greatly appreciate it if you let us know by responding to this email. 


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Onward & Upward! 

Gemini Customer Support XXXX ( Gemini ) XX/XX/XXXX, XXXX PM XXXX Hi XXXX, Thank you for reaching out. 

I have taken a look at your account and it looks like the account was frozen on the users side today, on XX/XX/XXXX. We are reviewing your account activity with our Security team and will be in touch shortly. 

I would be happy to assist you with unfreezing your account. In order to do so, we kindly ask that you submit a photo that contains the following : 1. A view of your full face 2. Your ID that was used to register with Gemini. This was either a passport or driver 's license 3. A hand-written note that states the current date and says " [ XXXX ] '' underneath Once you've taken a selfie that contains all of the above, please upload it via our secure Gemini XXXX : https : XXXX Please keep in mind that this must be one photo that contains all of the above, not 3 separate photos and reply to this thread once this is complete as I will escalate your case for expedited service. 

Additionally, it would be helpful if you could respond to this email as soon as possible and provide the following : - Why have you frozen your account? 
- What is your phone number? 
- What are the circumstances of which your account has been compromised ( or potentially compromised )? 
- Any additional information you can provide that will help us resolve your issue. 

Please do not hesitate to send us any additional and relevant information, and as always, reach out if you have further questions for us. 

Onward and Upward, XXXX i submitted photo and nothing, ive changed my password 3 times and they still keep it locked.
Consumer complaint received 2020-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account of {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Landing Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XXXX, XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- XXXX XXXX XXXX. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Consumer complaint received 2020-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CBC Companies, Inc. (OH)

I pulled my credit report and found that there are some items on my report that I dont not recall approving on my credit report. I requesting to freeze my XXXX XXXX, XXXX, innovios, XXXX XXXX. and any other reporting agency. Please do not unfreeze my report. if the information provided does show my current address ; XXXX XXXX XXXX XXXX, oh XXXX
Consumer complaint received 2022-10-22
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: Stellantis Financial Services US Corp. (FL)

XX/XX/XXXX First Investors Financial Services XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX RE : UNAUTHORIZED CREDIT INQUIRY To Whom It May Concern : I recently discovered that your company ran an unauthorized report on me on XX/XX/XXXX. I did not authorize such an inquiry and demand that you contact First Investors Financial Services immediately and have your inquiry deleted from my credit file. You do not have a permissible purpose to pull my credit report hence invaded my right to privacy and may subject to a fine. 

If you have any questions, please contact me at the address listed below. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX
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. (FL)

In accordance with the Fair Credit Reporting act, XXXX 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 2022-03-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

In accordance with the fair credit reporting act, XXXX XXXX XXXX # XXXX has violated my right 15 U.S.C 1681 602. A states I have the right to privacy.

15 U.S.C 1681 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction
Consumer complaint received 2022-10-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The CMI Group, Inc. (TX)

XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone number ( XXXX ) XXXX Account info Account number - Date opened XX/XX/2022 Account type Collection Status Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Status updated XX/XX/202XXXX XXXX