davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-24
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CITIBANK, N.A. (GA)

On XX/XX/2020 I opened an account with XXXX  XXXX, but account and routing number belongs to XXXX XXXX, Using the Citibank online, I made two transfers to XXXX / XXXX. I changed my mind and decided not to continue with XXXX  XXXX, and so I initiated a transfer from XXXX XXXX  to Citibank on XX/XX/2020. The money, consisting of two transfers, the first for {$10000.00} and the second for {$1000.00}, was apparently " flagged '' by an entity called XXXX ( I was told by XXXX XXXX from XXXX XXXX  ) Money has gone from XXXX  XXXX on XX/XX/XXXX and XX/XX/XXXX, but never arrived to Citibank. No one contacted me to tell me, I only found out when I called Citi to inquire where my money was. Citi told me to tell XXXX to perform a transfer recall, which I did. But ultimately, XXXX told me to call Citi, and Citi told me to call XXXX. I tried to start investigations, and neither bank is was willing to do so. I even drove to XXXX, DC ( I live in XXXX, Ga ) to closest Citi bank branch to speak to branch manager. She started investigation. XX/XX/XXXX. I have got an answer from Citibank. Here is the answer : " After careful review of the account records, on XX/XX/2020 at XXXX XXXX EST, a XXXX funds transfer for {$10000.00} was attempted from an account at XXXX XXXX to Citibank Checking account number XXXXXX. This electronic transfer failed to process to your Citibank account and was returned to XXXX XXXX  on XX/XX/2020. The trace number for this transaction is XXXX. In addition, on XX/XX/2020 at XXXX XXXX EST, we show a XXXX funds transfer for {$1000.00} was attempted from an account at XXXX XXXX  to Citibank Checking account number XXXXXXXX. This electronic transfer failed to process to your Citibank account and returned to XXXX XXXX  on XX/XX/2020. The trace number for this transaction is XXXX. '' I file a complain with FDIC concerning XXXX XXXX. This is their response : " The Bank explained in its response that the account was opened XX/XX/XXXX and was funded by a {$1000.00} transfer on XX/XX/XXXX. A second transfer of {$10000.00} was made on XX/XX/XXXX. On the same day, the Bank received transfer instructions from Citibank for {$1000.00} and {$10000.00}. The Bank honored the {$10000.00} " Paid-Rejected ACH '' and returned the {$10000.00} to Citibank. All of the transactions were originated by Citibank ; therefore, the Bank advised that all matters regarding the location of the funds need to be addressed by Citibank. '' Meanwhile, my money is gone. 
Today I was advice by Citi bank branch manager to file police report. 

Please can you look into this I want my money back in my Citibank account. This has ben a nightmare, forcing me to call each day for 3-4 hours. I want sanctions brought against XXXX, Citi and XXXX  XXXX. I feel helpless being tossed from one to the other and back again. No one will help me! Maybe if you contacted them, they would take it more seriously and return me money to me.
Consumer complaint received 2023-06-10
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. (IL)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance XXXX : {$0.00} ; XXXX XXXX XXXX XXXX Owed : {$7300.00} XXXX XXXX XXXX  XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$160.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$410.00} ; XXXX XXXX Balance Owed : {$2700.00} ; XXXX XXXX Balance XXXX : {$0.00} ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXXXXXX  XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX.
Consumer complaint received 2021-01-27
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (NY)

I received a {$50.00} Vanilla Cisa card as a XXXX gift but when I tried to use it at four different retailers and once online it was declined. I called Vanilla customer service XX/XX/XXXX to inquire. I wa told oh a lot of people complain about that. I balked and they said theyd send me a refund check to arrive in five to seven days. 
After it didnt arrive after 2 weeks I called again. I was told the refund is bring processed and I would get my refund in 7-10 days .never received. I called XX/XX/XXXX again and was told that the refund is processed and I would get the refund in 5 to 7 days. 
Upon investigating online and on social media I found dozens of complaints from consume, fed about the same issue : Vanilla gift card didnt work and they requested refund only to be given the run around and the refund never received.
Consumer complaint received 2023-06-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (CA)

I am writing to report that I have been a victim of identity theft. I have reason to believe that someone has used my personal information to open accounts or make unauthorized purchases. Please investigate and take any necessary steps to correct the fraudulent activity and protect my credit. I would also appreciate a copy of my credit report once investigation is complete. Thank you for your attention to this matter.
Consumer complaint received 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

I dont have a contract with the 3rd party debt collector Portfolio Recovery Associates ? They They're also using my name. My copyrighted name. That's Copyright Infringement, and also slandering me in this process by putting it into the mail. Which is mail fraud by law, because they dont have a contract with mePortfolio Recovery also are fraudulently using unfair and deceptive acts.
Consumer complaint received 2024-10-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings (FL)

I don't recall having a contractual relationship with this collection company. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2023-06-10
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: Experian Information Solutions Inc. (NY)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : - XXXX  XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX XXXX
Consumer complaint received 2021-09-09
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CITIBANK, N.A. (NY)

New York XX/XX/2021 Dear Consumer Protection, I seek your help on a fraud that was made into my Citibank account. 

I am submitting this complaint upon the advice of the New York State Department of Financial Services that I received yesterday at XXXX. 

Citibank allowed an unauthorized wire transfer of US {$5400.00} from my bank account and refused to pay me back. On XX/XX/2021 ( Friday ), Citibank called me to inform me about an attempt to transfer money from my account. The attempt was made in Texas. 

On this same day, I also called Citibank using the number at the back of my debit card to inform about the call. On my call, Citibank confirmed that the wire transfers were on hold. Normally, it takes 3 business days to process a wire transfer. Not in this case because it appears that Citibank even facilitated the money transfer quickly. In the email, Citibank informed me to cancel the wire transfers. However, the wires were not canceled. Citibank did not block the intrudersit only blocked me from accessing my account online and canceled my debit card. 

On that same call, Citibank also informed me to replace my debit card and temporarily blocked any access into my account, which thankfully it did. I received my debit card replacement on XX/XX/2021, Tuesday. 

On XX/XX/XXXX ( XXXX  ), I went to the Citibank XXXX branch to follow up. The XXXX could not do anything on my case. 

Below are details of the fraudulent transactions : These are the fraudulent transactions : XX/XX/2021 Outgoing Domestic Wire Transfer ONLINE XXXX XXXX to XXXX XXXX = {$1800.00} XX/XX/2021 Outgoing Domestic Wire Transfer ONLINE XXXX XXXX to XXXX XXXX = {$1800.00} XX/XX/2021 Outgoing Domestic Wire Transfer ONLINE XXXX XXXX to XXXX XXXX = {$1700.00} My family depends on our small earning. I only have an intermittent job and my wife XXXX XXXX XXXX XXXX. We have children in XXXX to support. Already it's very hard to make both ends meet especially during this period of the pandemic. I need my hard-earned money. 

I am ready to provide more details, if necessary. 

Thank you for your help and understanding. 

XXXX : XXXX XXXX
Consumer complaint received 2023-06-10
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. (TX)

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - Unauthorized Inquiry XXXX  XXXX XXXX XX/XX/XXXX - Unauthorized Inquiry XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX Unauthorized Inquiry XXXX XXXXXX/XX/XXXX - Unauthorized Inquiry XXXX XXXX XXXX XXXXXX/XX/XXXX - Unauthorized Inquiry XXXX XXXXXX/XX/XXXX - Unauthorized Inquiry XXXX XXXXXX/XX/XXXX - Unauthorized Inquiry According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Consumer complaint received 2024-10-03
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (OH)

bought a card had no funds in them filed a complaint and creaded a fraud dispute case with them so i could hopefully get my money back waited weeks and case was approved in my favor but a few days later go a email stating my case was denied and i would not get my money back wthout further explenation. 

case number # XXXX card number # XXXX
Consumer complaint received 2023-06-10
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Neon Newco Corporation (CA)

I have an account with XXXX its a branch off of netspend.They will not give me access to my account and when I call they say the account is closed. But when I go to log in to the app it says contact support to regain access. And when I call and put in my social it pulls up account so the account obviously isn't closed. It's been over a year of calling them and to no avail am I able to get through to anyone to actually help me. I sent them the ID documents they requested. They also will not send me a statement of the account before it was closed.
Consumer complaint received 2023-06-10
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. (NV)

In accordance with the free credit reporting act this creditor has violated my rights under 15 USC 1681 section 602 states, I have the right to privacy, 15 USC 1681 section 604 ( a ) Section 2, it also states a consumer reporting agency can not furnish the account without my written instructions. Under 15 USC 's 1666 ( b ) the accreditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Consumer complaint received 2024-10-03
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc (LA)

Around month of XXXX I have took my retirement money and trusted chime as a bank to hold my funds to invest to properties. Today around XX/XX/XXXX I have recently seen this email saying my account was closed with over XXXX plus USD from my retirement and can not be refunded. I have called them multiple times to receive information on why my account was closed without any refunds and they decided to hang up on me without any information. I wanted to verify and get my hardworking funds back but again they still proceeded to not share any information and hang up on me time again. I am very disappointed and trusted chime to hold my investments. This is not how any customer who bank with this company should be treated.
Consumer complaint received 2023-06-10
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (TX)

With reference to my previous complaint No. XXXX, and the previous referenced complaints noted in complaint No. XXXX, please be advised of the following : I was notified that my credit score would increase if Experian could verify that I pay rent and utilities. I went through there website and provided access to my XXXX XXXX account to make the verification, which Experian put a notice on my cell that they were verified! But as I also had to call Experian and got an XXXX speaking male with a dog barking in the background, I removed Experian 's access to my XXXX XXXX account and changed my password. Within hours I got the email attached and offered my response to why they were removed!
Consumer complaint received 2021-07-15
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (OH)

This complaint is in addition to complaint XXXX I have received several calls from chase bank multiply times of the day and evening and I keep telling each representative that my bank account should be under investigation in regards to the fraudulent activity that happened on XX/XX/XXXX and XX/XX/XXXX. I have been a long time customer with Chase and to be treating in such a manner is unbelievable. Each person that calls me tells me the same thing I am sorry but i don't see anything other than the closed claim. This is my primary bank account and now i will not be able to obtain this round of awarded payments for the stimulus because they direct deposit to be taken because of this overdrawn balance. I need to know that someone is handling this complaint and there is some movement towards getting this matter resolved.
Consumer complaint received 2020-12-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: JPMORGAN CHASE & CO. (OH)

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. On XXXX XXXX, 2020, JPMCB - CARD SERVICE add a hard inquiry on my credit report. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Consumer complaint received 2023-06-10
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: Experian Information Solutions Inc. (CA)

I am submitting this Complaint to dispute the fraudulent items listed on my credit report. I recently received a copy of my credit report and was shocked to find that there are several accounts that I did not open and have no knowledge of. The accounts in question are as follows : XXXXXXXX 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 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 XXXXXX/XX/XXXX. I can assure the Credit Bureaus that I did not open these accounts or authorize anyone else to do so on my behalf. I believe that this is a case of identity theft and I am taking steps to report this to the authorities. Please provide me with a written response to this dispute and let me know the results of the Credit Bureausr investigation. I also request that the Credit Bureaus send me an updated copy of my credit report once the fraudulent items have been removed.
Consumer complaint received 2024-10-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MD)

XXXX  account # XXXX I have asked that this account be re-investigated repeatedly. 

Equifax and XXXX failed to investigate this account properly after I repeatedly asked to have the account removed, your neglect has once again violated my consumer rights.
Consumer complaint received 2024-09-07
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC (MS)

I requested an escrow analysis in XXXX of XXXX. I have a surplus of {$1400.00}. On XX/XX/XXXX, I asked to receive my surplus funds back from the analysis. The lender tells me I am late because I owe for XX/XX/XXXX. It is my understanding. I have 30 days to make my loan payment. We were working in the month of XXXX. They denied my request. Now they are reporting to the XXXX credit bureaus that I am 30 days late on my payment. Which has caused my credit score to drop XXXX points. The reason the loan was transferred is because the previous lender. Was in a class action lawsuit over this matter and had to close their doors.
Consumer complaint received 2024-10-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (VA)

There should only be XXXX student loan account open for {$14000.00}. Ive opened disputes and contacts student aid.gov who informed me that the accounts have been removed on their end so they are unsure why the credit bureaus are still reporting incorrect information. How is it that XXXX has been able to make the corrections but XXXX and Equifax cant seem figure it out? Maybe if you would actually INVESTIGATE MY DISPUTE instead of closing them in less than XXXX hours you would be able to obtain the correct information. This issue is affecting my quality of life, as my XXXX appears to be way higher than it actually is while trying to qualify for a home loan. This is a last ditch effort on my part before seeking relief legally.