davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-01
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Chime Financial Inc (NJ)

Yesterday XX/XX/2022 I had problems with living into my online mobile bank because my Cell phone was off I couldnt complete the XXXX step versification to get into my account and I couldnt reset my password either I been calling my bank all day trying to get them to help me log in but they said its noting they can do because they cant go past that XXXX step verification process so I wasnt able to log into my account all day until later in the afternoon I had someone pay my phone bill so I can reset my account long story short I had my pension money deposit into my account today it loaded in my account around XXXX sometimes I still was having troubles logging into my account by the time I was able to get into my account almost XXXX all my money was gone someone had logged into my account in moved my money from my checkings account into a credit builder account I never ever use and made a transaction XXXX  XXXX XXXX for {$810.00} which was all of my money i immediately called my bank addressing the situation I have no money that was my pension money from my job I have no money yesterday was my mom XXXX XXXX anniversary that she been XXXX I couldnt go to the grave yard in visits because some one hacked into my account in stole all my money how this happen I dont know but its funny how they prevented me from accessing my account all day then when I finally do some one else gets access and was able to make out with my money I never use This credit card my bank is chime they have the online virtual card the same as the physical card which you never ever do the person who hacked my account would have been unsuccessful had the virtual been different for every debit card they never give the same card info the virtual card be like something you can use temporary until you receive the physical card them once you activate the real card you can no longer use the virtual now thats how the hacker did it they transferred my money from my savings to the credit building card and made the virtual card to they XXXX XXXX cause its the same information as the real card this person doesnt have the real credit card nor do they have any of my passwords I dont know how they logged into my account but people know how to do these things I received emails from chime saying someone logged in my account XXXX times yesterday from a XXXX and in different locations XXXX was in XXXX XXXX I live in XXXX this is crazy they took everything I had in one XXXX to XXXX XXXX or XXXX XXXX I need my money back to survive that was my pension money I cant wait months while they think about it I need my money immediately I have XXXX children in my house hold that depend on me I please help me I feel so violated chime security system seems like its only XXXX at stoping me from doing something because how they keep me out but let someone else get in and steal all my money
Consumer complaint received 2022-04-06
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the creditor and/or collection agency however there is nothing notated on my credit reports that these items were ever disputed. that is a violation and these items need to be deleted and/or the late payments need to be updated.
Consumer complaint received 2022-08-01
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: TRUIST FINANCIAL CORPORATION (NC)

On or about XX/XX/XXXX, I applied online to my checking account Truist Bank for a {$170000.00} refinance loan to pay off the approximately {$160000.00} debts I had accrued and the {$10000.00} closing cost of obtaining the loan. My home was appraised in XX/XX/XXXX, and was valued at $ XXXXOn XX/XX/XXXX, I received this email from Truist Bank representative XXXX, XXXX XXXX : " Hey XXXX, Thanks for providing the information for your income. I have put the info in the system and was able to run your credit. Unfortunately due to the credit being XXXX and other factors they are not going to approve the mortgage loan at this time. For cash-out loans guidelines require a credit score of XXXX or higher. I am so sorry for the news but wanted to let you know as soon as I did. They will send you and email letting you know the results as well. 
XXXX XXXX Mortgage XXXX XXXX Truist Home Mortgage I had not asked for a cash-out loan. Nowhere on the Truist On Line Banking site does it state that refinance loans will only be granted to customers with a credit rating of XXXX or higher
Consumer complaint received 2022-04-01
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I was under the impression I was talking to a military friend on XXXX who supposedly made a huge sum of money investing in XXXX XXXX. His broker was XXXX XXXX. He referred me to her. 

On XXXX XXXX at approximately, I sent {$2000.00} via XXXX to an account registered to XXXX, XXXX, according to the XXXX XXXX. She was serving as a Broker for a website called XXXX 

The website looked like it had a legitimate account dashboard, and it was hard to believe I had made $ XXXX from a $ XXXX investment. I proceeded to make a withdrawal, but then XXXX contacted me and said I had to pay $ XXXX in XXXXXXXX XXXX fees. 

I proceeded to send another XXXX transaction in XXXX disbursements of {$1500.00} to a XXXX XXXX for XXXX XXXX  fees on XXXX XXXX. 

On XXXX XXXX I sent another XXXX disbursements of {$1500.00} to XXXX XXXX for more fees ; however, when I went to withdraw my supposedly new earned profits, I was immediately locked out of my dashboard on the website, and I could no longer contact XXXX on XXXX. Additionally, I was locked out of my XXXX the same day because it had been hacked. 

Friends on XXXX reached out and said that they were being with the same XXXX XXXX investing opportunity through my social media platform. 

I finally reached out to my friend via correspondence who mentioned his XXXX account had been hacked, and that he had fell for the same scam. 

On or about XXXX XXXX, I filed a claim with Bank of America ( BOA ), and the claim was denied because the bank is saying I authorized those transactions. As a courtesy, they would try and recover funds from the other banks the funds were transferred to ( XXXX, XXXX, and another BOA customer account ). 

However, after reading Regulation E of the Electronic Funds Transfer Act, I believe that this is covered under that regulation as it meets the criteria for fraud. Please help me resolve this. It seems that several other consumers are falling victim to these XXXX transaction scams. 

On XXXX XXXX, I called BOA and was told that they could not recover funds. I filed a report via XXXX, and I havent received a response.
Consumer complaint received 2022-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

When my XXXX auto lease was about to end, new dealership from XXXX offered to take over my lease and pay me the difference. After the lease was transferred to the XXXX dealer, not sure exactly what happened, but the credit report says that I did not make the monthly payment in a timely manner. So it hurt my credit score as the record says I missed XXXX months of payment. Please see attached for the record of the release of liability.
Consumer complaint received 2022-04-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-04-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (GA)

I received a letter from Wells Fargo in XX/XX/2017 indicating that my account ending in XXXX was being closed by the bank. Then in XXXX of XXXX nearly XXXX later I received a letter from Wells Fargo indicating that the same account XXXX had been adversely affected due to an excessive hold placed on a deposit to the account. As I was the sole account holder and authorized user and had stopped accessing the account upon receipt of the XXXX  letter, an unauthorized party accessed the account to make the deposit and almost certainly make debit transaction. Unauthorized access to AuthorizeXXXX Account.
Consumer complaint received 2022-04-01
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (FL)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.
Consumer complaint received 2022-04-01
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Fraud or scam — 
Company: CITIBANK, N.A. (HI)

On XX/XX/XXXX, I requested an XXXX XXXX Credit Card with Citi bank, I live in Hawaii, and on XX/XX/XXXX, I got a text message saying that there is suspicious activity in my account. So I checked my Citi bank app and there were different charges placed on Florida and the XXXX XXXX with a total of ( {$200.00} approx ). 
I called Citi Bank, they said they will start an investigation and they will send me a different credit card, well after what happened I felt so insecure that I decided to not activate the new credit card. 
On XX/XX/XXXX, I got the same text message saying that there was suspicious activity in my account, I called Citi Bank, the agent told me that there was an XXXX account that they did not disconnect from my previous card and the charges were placed thru the XXXX XXXX ( I don't have any XXXX products I use XXXX ). She said I did not have to worry and they will send me a new credit card, I asked to please close my account I was not interested in getting a new credit card after what happened twice. 
But on XX/XX/XXXX, I got a bank statement saying that I have a balance of {$490.00} Which I did not know how that happened if I did not have a pending balance after my first card and I never activated my second card. 
I sent an email and I called Citi bank again but since my account was closed they did not help me. 
I refuse to pay that balance because I did not use it, and again all those charges were placed in a different State. 

I have attached to screenshot of the text messages. 
Also a report of the day I closed my account and an email with a statement after that.
Consumer complaint received 2022-04-01
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

I am a consumer by law and this is a formal complaint and was not sent in error or default. There are erroneous accounts on my consumer report not reporting 100 % maximum accuracy. I have experienced unauthorized use of my information.
Consumer complaint received 2022-03-13
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

Follow up to multiple cases numbers. 

I have met with the Capital One Advocate group after many standard negative letter responses. 
First thing this group is for Capital One not a advocate to support Customer satisfaction. That is lip service. 
I have dealt with other advocacy groups but not one like Capital One 's that are negative toward the customers needs. 
I had wrote a letter to Capital One 's CEO in XXXX and it took XXXX weeks to get the CEO office to respond. That was irresponsible and unprofessional. 

In the meanwhile, I talked to a senior member of the customer service team who was willing to get my cashback, but She said her hands were tied since it was going through executive review. 
When the advocate person contacted me, I pointed out gaps in her research. 
-No disclosure at time of application -incorrect review of my credit report. my credit was 800 plus - Discrimination because other customers got their cashback reward when they had more than one Capital One credit card. 
to name a few gaps. 

The advocate was to listen to our telephone conversation with her manager and talk to the senior customer service employee and get back to me with a positive solution. I told her to have her manager be creative with a positive customer solution. That is what managers are paid for. 

I got the same standard cookie cutter letter. Just another negative response with no positive outlook for the customer. 
I met all criteria making {$500.00} in credit card charges before 90 days. 
Outstanding credit rating. 
Capital One owes me the {$200.00} cashback. They can make up stories and be dishonest but they owe me {$200.00}. 

I talked with another bank about their cashback credit card. They said I could have 2 credit card accounts and I would get cashback with the new card. I mentioned my bad experience with the Capital One cashback card without mentioning Capital One. The person gasped and said that was not their policy. 

I talked to several other Capital One Cashback credit card customers they battled Capital One on receiving their {$200.00} cashback too, it was a long drawn out ordeal. There is a pattern with Capital One not honoring their responsibility sending {$200.00} cashback  to customers. Its a ugly unethical problem. 

I want this documented so other future customers are aware. Capital One should be ashamed of their actions. They were unethical. 

I have left the credit card idle with no activity. I used other bank cards, Capital One could have got those transactions and made good money but why reward them when I did not get the {$200.00} cashback. 

I don't want a response from Capital One. Their response does not solve the problem. They need to think through what they write and come back with a positive solution for the customer. 

Thank you.
Consumer complaint received 2022-04-06
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: Exeter Finance, LLC. (CA)

I am a consumer and natural person. I have reached out to XXXX XXXX XXXX XXXX XXXX XXXX XXXX also known as XXXX XXXX XXXX XXXX XX/XX/2022 and they have failed to show proof & record of a credit application or my written authorization to review my credit files XX/XX/2022. I am receiving adverse action letters and 8 hard inquiries on my credit report from various financial institutions. Who have also showed no proof and direct me back to the dealership.
Consumer complaint received 2022-04-01
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. (PA)

In accordance with the Fair Credit Reporting act 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 2022-04-01
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. (PA)

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-04-01
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. (FL)

I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these accounts to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this. All is being investigated by the FTC.
Consumer complaint received 2022-04-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: REGIONS FINANCIAL CORPORATION (LA)

On XX/XX/XXXX XXXX XXXX I deposited a XXXX check into Regions Bank in the amount of {$40000.00}. Regions put a hold for 10 days due to suspicion of check being payable. On XX/XX/XXXX funds were made available however a second hold was put on the account for reasons not disclosed. I have called corporate, customer service and gone into several branches to withdraw funds but have been denied. XXXX XXXX put bank manager on notice that by holding funds past 5 business days he was in violation of Law in the Expedited Funds Availability Act of 1987 which he acknowledged he understood but advised the security of the bank was more important and superseded my rights and rights to funds. 

Regions and its agents conspired to unjustly withhold funds over 5 business days, committed deceptive banking practices and presented willful misinformation regarding my account by lying to me about check status from issuing bank. They have taken the stance and put me on notice that I am suspected of committing criminal activity and have ceased to deal with me as a customer. 
As of XX/XX/XXXX I have had no resolution.
Consumer complaint received 2022-04-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I XXXX XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these accounts to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this. All is being investigated by the FTC.
Consumer complaint received 2022-04-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.
Consumer complaint received 2022-04-01
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: TRANSWORLD SYSTEMS INC (TX)

TRANSWORLD SYSTEMS INC XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX TRANSWORLD SYSTEMS INC : I have asked them on several occasions to please stop calling threatening and harassing me about the two alleged accounts. They keep telling me that I owe them two debts in the amount of $ {$300.00} and another amount of {$730.00} for two separate accounts that I have no knowledge about. and it is really stressing me out at this point in my life & XXXX  affecting me at my job and making me XXXX i have not discussed or negotiated any type of contract with this company nor permission to use my signature whatsoever & I have never agreed to do any type of business with this company. 

Thanks!
Consumer complaint received 2022-04-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRUIST FINANCIAL CORPORATION (TX)

Recently, I, XXXX XXXX was denied an extension of credit by Truist. On XX/XX/2022, I applied for Truist XXXX XXXX Credit Card.
Consumer complaint received 2022-04-01
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NJ)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1692 ( g ) XXXX Account Number : XXXX As a consumer by law this account must be deleted immediately 2. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1692 ( g ) XXXX XXXX XXXX Account Number : XXXX As a consumer by law this account must be deleted immediately 3. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1692 ( g ) XXXX XXXX XXXX Account Number : XXXX As a consumer by law this account must be deleted immediately