davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-24
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: CITIBANK, N.A. (OK)

This Citibank/CBNA/bestbuy credit card keep showing up on my report as a late payment after I explain to them numerous of times that this account was open fraudulently I never had a Best Buy account. I have sent them proof of the police report that XXXX report And I also sent them proof of the person who opened the account thats held responsible. I had no knowledge of this account. I did not give consent to open this account and when I originally call back in XXXX they told me that they will remove it from my credit but instead they keep taking my credit score down by XXXX XXXX XXXX as a late payment I do not have this credit card. I do not know anything about this credit card besides is a balance due thats {$2000.00} and I guess the monthly payment was XXXX. Im not sure but I was told by a hardship person from Citibank or Best Buy that I will have to go on a payment plan for {$43.00} a month until they figure out what happen which I think is stupid because I never ever open this account. I told them my sister opened this account. She registered a phone in my name also stole money out of the bank account to pay on several accounts, using other peoples money by law, this is fried by putting this on my credit report. This is inaccurate information. I did not apply for the account. I do not live at the address that they use would open in the account that is not my phone number thats on the account and I have sent in my lease and I was locked up at the time when the car was open and I have provided them with the updated address phone number and email. Anyone can go online it open up anything in anyones name just by stealing their information Best Buy or XXXX. Whoever they are needs to be held accountable and delete this from my credit report all three credit rules because I am not able to get a home because they keep saying that I am past due for a balance of {$210.00}. I did not open this account and I do not want to pay on something I did not open I do not live at the address that is on my drivers license. I have not yet changed the address, but I will be going to. I have not lived there in several years that is our parents home. if you look at my discharge papers, you will see. I was not out at the time that the Credit Card was open. I have been in and out of XXXX XXXX.
Consumer complaint received 2024-10-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (TX)

I was scammed out of XXXX on XXXX through my bank account and through XXXX I contacted Wells Fargo claims specialist for help and they told me it would take up to 10 business days and the next day it was closed without any explanation from Wells Fargo I would love to get my money back as I feel they are supporting the scammer in this case here are the dates and amounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - XXXX XXXX XXXX XXXX XX/XX/XXXX- XXXX  XX/XX/XXXX- XXXX  XX/XX/XXXX- XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-15
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (TX)

We made a purchase at XXXX XXXX XXXX XXXX XXXX XXXX of {$30.00}. The card was mistakenly left at the counter terminal and we headed to our vehicle at the parking lot. Then the woman who was at the counter came running to our vehicle and said that we left the card at the terminal and there might have been authorized charge, so we should claim with our bank. We made other purchase with our card after that and informed our bank that the transaction right after the {$30.00} at XXXX is not our which was of {$170.00} but after that all other transaction are recognized. We dont recognize this charge as this was the charge that happened when we left the card at the terminal of XXXX XXXX We then went to XXXX the next day to talk to the XXXX. They said they will talk with the HR department and took our information. But we never heard anything from them. The chase bank issued a temporary credit for that unrecognized charge of {$170.00} but then took back again. They said us to provide with a written document prove. We then filed a police complain and also contacted both XXXX store and the customer service of XXXX but they said they cant do anything about that. We submitted the complain police report to chase and still they are not issuing us the credit.
Consumer complaint received 2024-10-11
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc (AL)

Well on XX/XX/2024 chime sent me an email stating that my account was being closed immediately with no warning or explanation. I reached out to Chime and was told that there were some discrepancies on my account and that they could not give anymore information. They also stated that my account was ineligible for a refund which was my money. I had funds in my checking and savings account, that they will not send to me and that my account was now at XXXX. My pay role has been going to chime for years. THEY TOOK MY MONEY AND LEFT ME WITH NOTHING. I have had to miss work do to not having gas in my car to get there and is not able to feed myself or my children.
Consumer complaint received 2024-10-11
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: FIRST NATIONAL BANK OF OMAHA (FL)

I applied for the Amtrak preferred credit card with a score over XXXX. I immediately got a pending decision on XX/XX/XXXX. I waited for over a week and continued to get the pending answer on status. I then called weekly and checked their site. The company overseeing Amtraks card is The First National Bank of Omaha. FNBO. I then researched the bank to see they are all over the place with whom they give credit to. Today is XX/XX/XXXX. I checked status yesterday which was XXXX XXXX and the status was still pending. Today when I checked status, the site stated I do not have an application in process. I called the bank today and spoke with XXXX people, XXXX named XXXX who was very vague with her answers. They both told me I had withdrawn my application. I stated I had not withdrawn the application and had in fact called them at least XXXX times with today being the XXXX. I was told to call this bank again on Monday and speak with their credit bureau..I had to get clarification from XXXX and ask if they have a department at their bank called credit bureau. She stated no, you have to call our bank on Monday, XX/XX/XXXX to see if the application can be taken out of withdrawn status which I never put in Withdrawn status. I really dont understand what the issue is. I have a problem with this because when they ran my credit, it reduced my XXXX score by XXXX points. It is now back over XXXX, but I would like to know what theyre doing and if the goal post is being adjusted.
Consumer complaint received 2024-07-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Improper use of my credit report. reporting companies below has used my report improperly under 15 USC 1681. 
XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) # XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 section 604 A section 2 It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to consumer to any consumer reporting agency if person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-10-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Novo Platform Inc. (MN)

Monday, XXXX XXXX XXXX we contacted NOVO Bank in regards to our account being frozen, after we were informed about the issue with our merchant/payment provider for our website notified us they were unable to deposit into our account. 

We asked why our account was frozen and were told " we can not tell you why and can not give you a timeline. Sorry for the inconvenience '' We then asked why they can't tell us that, and all we got was a copy/paste of the same exact response to the first question. 

We then asked if it was possible that we could just close the account and withdraw the funds that were in the account so we can bank elsewhere. NOVO then responded by NOT responding and closing the communication chain on us. 

This was done all via their chat option online, as they are not a physical bank and do not have a phone number listed anywhere that we could find to be able to contact them.
Consumer complaint received 2024-10-11
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — Foreclosure
Company: Real Time Group, Inc. (CT)

I started receiving communication from Real Time Resolution around mid XXXX stating there was money owed. I don't owe anyone for a mortgage on my home except for my XXXX mortgage company. After requesting information with a QWR, they responded with limited information as to what was requested, but did state that this was a note from XXXX, my HELOC that had been paid off in late XXXX or early XXXX. I no longer have the payoff documents because I either never received them or they were part of the personal papers that were lost in a flood in XXXX also don't keep paperwork after XXXX yrs. After realizing they were speaking of my Paid Off XXXX, I went to XXXX XXXX and realized that XXXX had failed to release the XXXX on my home after payoff. I communicated this fact to Real Time Resolutions and also offered them {$2500.00} to leave me alone instead of having to hire an attorney to show I didn't owe them anything. A long time went by without hearing back from them. In XXXX of XXXX I finally got around to filing a Quiet Title Action in CT XXXX XXXX at XXXX XXXX against XXXX to release the XXXX on my home. I was requested by the court to also serve XXXX XXXX. Neither XXXX or XXXX have filed appearances in that matter. XXXX months after filing the Quiet Title Action, Real Time Resolution appeared again and filed a Foreclosure Action against me and assigned my mortgage form XXXX to Real Time Resolutions and then to Aviator Properties. I don't understand how these assignments can take place, especially without showing me how they believe I actually owe them any money for a paid off loan. I have now filed a motion in my Quiet Title Action to bring them into that case. I would like to see a complete transaction history, including costs and fees applied to the account for the life of the loan, a payment history for the life of the loan, and all communications regarding the loan. I've also attached the original QWR along with the cover letter of their vague response and my response back to them.
Consumer complaint received 2024-10-10
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (TX)

Citibank closed my Macy 's American Express card due to inactivity without asking me if I still wanted to use the account. Then a few years later they said they were re-opening my regular Macy 's store card and send me new cards. When I went to use them, the had closed the account without notifying me. This is fraudulent on Citibank 's part.
Consumer complaint received 2024-10-10
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Loan estimate or other related disclosures
Company: AMERISAVE MORTGAGE CORPORATION (MI)

I used XXXX XXXX to get some rates and terms for a home equity loan. I ended up getting a loan that is already funded. However, today I received an email from Amerisave saying they declined my loan application when I never asked them to start one. Each of the mortgage companies would ask questions to be able to give me a rate and their terms. Amerisave was the only one that started a loan application without my knowledge. Amerisave used that information to start a loan application and I didn't ask them to and they never told me they did until I received a loan denial email today. When I called one of the many representatives, who kept calling over and over trying to get me to use them, the representative said that with the Dobbs-Frank act all they have to do is ask for 6 pieces of information and/or your last four digits of your SS # and they can start a loan application. I said I was not told that is what they were doing and the Amerisave representative said all they have to do is get your information and they can start a loan application without my knowledge. I said I'm XXXX XXXX XXXX and have done many loans in my life and his response was " you've said you are XXXX XXXX XXXX several times and I don't know what you are upset about as we only sent the email to you ''. He was disrespectful and seemed confident that this was a practice at Amerisave. I didn't even open the attachment as I was afraid it was a scam to infect my computer. I knew I had not applied with Amerisave as they had ridiculously high rates and I had told them to stop calling me a few times. When I received the email, I felt like they were taking advantage of a senior citizen. I wrote to the CEO of both Amerisave and XXXX as calling Amerisave went to a recording that someone would call me back within 48 hours. XXXX XXXX  should not be using a company that starts a loan without the consumers knowledge. The way their agent explained it, made me feel that if they can trick you into giving up 6 pieces of information to get their rates and terms, they can just open a loan application and not tell you they did. It felt like they are rewarded by how many loan applications they can get so they are doing dishonest things to get an application going without your knowledge.
Consumer complaint received 2024-10-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TRUIST FINANCIAL CORPORATION (GA)

The ATM at Truist Bank at XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX. Phone number XXXX .At XXXXXXXX XXXX on XX/XX/year> I went to XXXX XXXX thru ATM to get at {$XXXX}. At the end of the transition it put up a error code stating that the machine was temporary to out of service and did not dispense my funds. I immediately call XXXX that's my bank and Truist Bank which is not my bank. I just stopped by there because it's close to my house not my first time using the branch. XXXX denied my claim. Without giving me any reason. Truist Bank isn't doing anything. The ATM has a camera I told him look at the camera. Or look at the codes. I'm not a banker I'm not a thief. I just want my money. I use XXXX credit builder. It's called a cash advance but it's comes directly out of my account the credit builder with XXXX does not let you have any money that you don't have personally to cover. It's not a credit card. You put money in it and it takes it out of the money you put in it
Consumer complaint received 2024-10-10
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (CA)

I had a friend wire me XXXX, but she sent XXXX transactions of XXXX each. 
HSBC put a hold on these funds and block my acct. 
I have repeatedly tried to find out why, what is going on. I have answered their questions regarding this transaction. 
They only tell me they are investigating and this will take 60 to 90 days, after they told me the funds were released. 
I have filed a complaint w/you about this and you closed my case. 
HSBC wrote a bogus response which none of it was true. They never credited my account. And now the entire XXXX XXXX  is missing. HSBC claimed they returned it to the sender on XX/XX/XXXX, it has not been recieved as of today. They will not give me a reference number. 
My previous case number w/CFPB is COMPLAINT ID XXXX
Consumer complaint received 2024-10-10
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (OK)

Purchase item on XX/XX/XXXX from XXXX they send me low quality product request a exchange they exchange the item but the one they send were also of low quality. I request to return but they wanted me to pay for shipping which was costly since it was furniture also in their return policy it said that if not happy which the item free return. Open an dispute with citi on XX/XX/XXXX they resolved it in favor of seller on XX/XX/XXXX. I try to reopen the case again but couldn't. Citi didn't even let me provide proof of my side when I open the dispute either.
Consumer complaint received 2024-10-10
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (IL)

CHASE DEFRAUDED ME AND MY Family, and my community. They abused us by tipping off the amounts that where in our accounts and They exposed where we domiciled. Chase exposed our personal and private vital information. 
Because of this we have been evicted from our properties. We were victims of identy theft, financial fraud, racketeering and theft of vehicles, credit cards, bank accounts and other intellectual property.

debt collectors coming to our homes taken fraudulent actions against us in which they have no authority to do so. A business is not real therefore a business can not speak.
Consumer complaint received 2024-10-14
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: DISCOVER BANK (MI)

I have been sending in negotiable instruments to DISCOVER FINANCIAL SERVICES for my credit card for several months now. They have signed for via registered mail and green return receipt and kept every instruments I sent to tender my obligation. I have reason to believe their practices constitutes securities fraud based on what their SEC filings state and the return of a securitized audit.
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Recently a collection account showed up on my transunion credit report. I disputed it on the ground that I have no knowledge of this account. The dispute result came back and said it is correct without giving me any info. I had XXXX XXXX incident in XXXX  and all my XXXX XXXX  card and XXXX  were stolen. I am not able to verify the ownership of the debt, if the debt is still within statue of limit, if the amount is correct.
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO. (NY)

This is related to the false payment reporting on my credit report for XX/XX/year> I have already called previously and spoken to a customer agent a year ago to have the reporting of this late payment changed to paid on time and was told it would be updated to on paid on time. I distinctly remember speaking to a customer service agent overseas about the fact that that payment was supposed to able set on auto pay and I was unaware the system glitched and didnt allow the autopay to upload. 

I called about the reporting of this late payment and was told by a customer service agent overseas that this would behuldate to paid on time. It is not my fault if Chse decides to hire people overseas for pay cuts who might not completely what I am saying but that is not the consumers fault! You cant expect to hire people with XXXX as a second language and then allow to make mistakes like these. I was recently denied an apartment and am now homeless due to the false reporting of this late payment! I will sue chase if this continues further. I either want this updated to pay on time as I have no other late payments or changed to no data for that month. But under no circumstances should you guys keep reporting this false information. There is absolutely no proof that this payment was deliberately paid late and it is the only one. This is completely ruining my life and causing major hardship. I should not be homeless while employed because my credit is getting demo. Update it asap or I will have to look into legal action.
Consumer complaint received 2024-08-20
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

They accuse me of making the charges and sent me copy of transaction only that's not enough to prove anything I sent over documents proving my whereabouts at the time of charges and other documents to prove I wasn't the one making those charges