davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-11
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

Hello, I became a customer of Citizens Bank on or about XXXXXXXX XXXX. I opened accounts at the XXXXXXXX XXXX XXXX XXXX, NY, XXXX branch. 

Last Friday I asked for a cashier 's check and was given one of about {$150000.00}. I later returned that day and deposited it because I was unable to timely deposit it elsewhere. I returned on Monday to withdraw it again. I then did deposit it at elsewhere. 

I later observed that the second check sum was some {$340.00} more than the Friday check. The accrued weekend interest portion does not explain the difference. 

What explains the discrepancy? I want to ask Citizens to cross-check that past and present interest sums have been correctly allocated since I opened my account. 

As a result of a " revenge-fir-hire '' campaign I have been a target of community harassment/stalking. For more on this, please see XXXX XXXX XXXX XXXX " revenge for hire '' campaign can involve community stalking and hacking, smear campaigns to broadly discredit and vilify, a criminal network of peeping toms, unlawful breaking and entering into private property and other hostile acts.

Bank personnel sometimes allow themselves to become absorbed in manufactured dramas. They may be recruited and/or incentivized to create delay tactics to gum up the works and to financially deprive. In addition they may play bizarre " pranks '' such as wear particular clothing when the target client goes to the bank, always careful to cultivate plausible deniability. I strongly believe at least some Citizens staff - both front and back-office- have participated in such " pranks '' and may be cajoled to make specific, scripted comments. 

By coincidence or something, upon opening my Citizens account on or about XXXXXXXX XXXX with a bank cashier 's check, there was a considerable delay of about 10 days or so for the check to clear. Bank manager XXXX XXXX said there shouldn't have been because it was a cashier 's check. 

Within days, there was a second peculiar occurrence as XXXX XXXX ( spelling? ) tried to open a CD for me. Again there was a delay -- - XXXX herself described the situation as " dizzying '' in light of other delays I encountered. At another branch, a notary at a Citizens told me her notary stamp was not functioning because it " fell. '' Are staff ( front and back office ) at Citizens complicit in organized harassment tactics against Citizens clientele, including those identified here? Would they level with Citizens compliance staff if so? 

At the very least, I kindly request a cross-check to see if interest payments have been correctly and properly allocated. 

Thank you for your time and consideration.
Consumer complaint received 2024-10-10
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (VA)

Today, XX/XX/XXXX at XXXX I entered the Chase Bank ( XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX ) for assistance with my dad 's checking account. My dad died in early XXXX and we ( my sister and I ) have been trying for XXXXXXXX XXXX to close this account. When I entered the bank I was immediately assisted by a banker who told me they had all the documents necessary to close the account ( e.j. death certificate and Letter of Administration from the court ). She stated there will be a hold on the account and it would take up to 45 minutes for it to be lifted. After 30 minutes of waiting she came back and stated she submitted my documents and per the bank manager, I will need to wait up to 4 business days for the paperwork to enter their system so they can finally close the account and cut me a check. I got frustrated and started to get upset and she said she can elevate the issue. After 10 minutes, a lady by the name of " XXXX '' came in and I explained to her that XXXX XXXX was much more helpful in this situation and that every banker that we spoke to since XXXX at Chase has been giving us the wrong information as far as closing this account. First they said wait 30 days, then another bank said no you have to wait 40 days, another bank said we need a letter from the court. Finally, I went in today and they repeatedly lied to me. I told " XXXX '' I wanted to speak to the manager, she said they don't have one today. Mind you I live in XXXX and drove XXXXXXXX XXXX to get to a Chase branch to complete my court appointed tasks on behalf of my dad 's estate. Additionally, a white male came in with his son and were greeted by a banker and offered beverages such as coffee and tea. I was never treated with this type of respect and dignity. Furthermore, I feel like I was subjected to different terms and denied service by this branch as I do not fit their clientele as I am XXXX. I started crying and XXXX '' stated she can not help me and left the office.
Consumer complaint received 2024-08-18
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (CA)

I start a business ( XXXX XXXX XXXX ) with an attorney ( XXXX XXXX ) from XX/XX/XXXX thru XX/XX/XXXX. I put up over {$250000.00} to start up the company while XXXX XXXX only brought her experience as an attorney. We ended the partnership on really bad terms because she used her law expertise to steal the business from under me. She went to Chase Bank where I have my checking account ( balance {$15000.00} ) and savings account ( balance {$47000.00} ) frozen and they unlawfully gave her all my money. They did not give me a chance to respond. Chase Bank acted recklessly and caused a tremendous amount of hardship for me for this unlawful action.
Consumer complaint received 2024-07-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX  Account Number : XXXX Account Name : XXXXXXXX XXXX Account XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 

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 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 2024-08-18
Product: Credit card — Store credit 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. (CO)

I have XXXX expenses on my bill that weren't mine. I asked them to cancel. XXXX  they helped me cancel. Then they lowered my credit card limit and gave me the money I had canceled. Not only did I have a lower credit limit, I owed them money. I wondered why. My XXXX XXXX was very low by this company.
Consumer complaint received 2024-10-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BARCLAYS BANK DELAWARE (SC)

Barclays XXXX XXXX card has been a total nightmare. 
They put fraud on my card of over {$10000.00} and never fixed it. 
They tell me the fraud is my fault, when the card was stolen and I did nothing wrong. 
NOW, since we were victims of Hurricane Helena, we have been without a home for XXXX XXXX and all I have asked for is my password to be reset because mine is not working. 
I have been calling them spending hours of my work day on the phone with their highly uneducated staff which NEVER resets my password and won't let me log in. 

I have begged XXXX XXXX in their fraud dept as she was handling the claim, but she has done nothing to help my family and now they are attacking my credit, when all I have done is paying {$7000.00} towards the debt that is not mine. Barclays marked me down for a late payment when I paid the month earlier. They have been nothing but evil and now they will not let me log in SO THE INTEREST is piling up! Please give me a list of lawyers who can help me fight this company.
Consumer complaint received 2024-08-18
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: AMERICAN EXPRESS COMPANY (NV)

I had identify theft where someone used my credit card and created fraudulent charges. The merchant solar reviews supplied information clearly showing that another individual made the fraudulent transactions with their name, phone number, and e-mail address. American Express refuses to issue credit and rebilled my account for fraudulent charges. I B ] refuse to pay these charges and American Express is highly incompetent and unethical they are damaging my credit report on a monthly basis. I have filed identity theft reports with the police, FTC, all ( 3 ) credit bureaus. I am also in the process of filing a civil lawsuit against American Express. I demand they correct all the negative reporting to all ( 3 ) credit bureaus and credit my accounts ( 2 ) in full!
Consumer complaint received 2024-08-18
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

XX/XX/year> customer service will not allow customer account of application due from customer being bank liability XXXX XXXX term XXXX XXXX  from XXXX and sole owner to XXXX ( flying saucer ) that is an extension of customer 's limb of XXXX. Bank needs to balance ledger correctly as customer 's legal name is registered of XXXX XXXX. Customer 's bank asset legal name was changed in company application database by union military charging customer as federation military when customer is of a state with a english birth-given name that has a mandated rule applied to legal name the customer service of application broke.
Consumer complaint received 2024-07-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I am filing a formal complaint regarding identity theft that has adversely affected my financial well-being. I believe I am a victim of identity theft, and I am seeking your assistance in addressing and rectifying the fraudulent activities associated with my personal information.
Consumer complaint received 2024-07-24
Product: Credit reporting 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

and list of Inquiries.

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 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. 
XXXX XXXX XXXX XXXX $ $ 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.

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries.

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 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 2024-08-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MD)

I disputed this account on XX/XX/year>. In response to my dispute Equifax issued a letter that requested the " account names, account numbers and the specific concern with the items that you are disputing. '' The information is immediately below. 

Account Name : XXXX XXXX  Account Number : XXXX XXXX Specific Concern : See XX/XX/year> dispute letter ( attached ) The Account Name and Number can be found on page XXXX of XXXX in the Equifax Disclosure issued on XX/XX/year> with Report Confirmation Number XXXX. I am also attaching this page to this dispute letter.
Consumer complaint received 2023-03-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NC)

I AM A VICTIM OF IDENTITY THEFT. I AM WRITING TO REQUEST THAT YOU DELETE THE FOLLOWING FRAUDULENT INACCURATE INFORMATION FROM MY CREDIT REPORT. SOMEONE HAS USED MY PERSONAL INFORMATION TO OBTAIN LOANS AND CREDIT CARDS. I HAVE NO IDEA HOW THE THEFT TOOK PLACE. I ALSO HAVE NO KNOWLEDGE OF ANY SUSPECTS. I DID NOT RECEIVE ANY MONEY, GOODS, OR SERVICES AS A RESULT OF IDENTITY THEFT. PLEASE LET ME KNOW IF YOU NEED ANY OTHER INFORMATION FROM ME TO BLOCK THIS INFORMATION FROM MY CREDIT REPORT. THANK YOU.
Consumer complaint received 2024-08-19
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Paying off the loan
Company: Shellpoint Partners, LLC (AZ)

I have paid off my loan on XX/XX/XXXX and they received my funds on XX/XX/XXXX. 
Instead of applying the funds, the funds sit in as unapplied. The loan remains open, daily interest continues to accrue and they have not been responsive. 

I have called them on XX/XX/XXXX, again on XXXX, XXXX and on XX/XX/XXXX. 
I keep getting conflicting dates of when it would be resolved. I have been told 3-5 business days, then 5-7 business days. This should have been resolved by XXXX or XX/XX/XXXX, based on their outmost projection. Instead they claim that customer service cant help and they have to process a request to the accounting department. I have asked for this to be expedited and sent to a supervisor, but nothing get done. On XX/XX/XXXX they said it has been marked for priority and will be done by XX/XX/XXXX, but still not done. I was told that a supervisor from the " accounting/applications '' department will call me, that has not happened either.
Consumer complaint received 2024-07-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (CT)

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.

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 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 2024-10-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TRUIST FINANCIAL CORPORATION (VA)

On XX/XX/XXXX, I noticed fraudulent charges on my XXXX  credit. I called XXXX  XXXX  and they fixed the issue. An hour later, I noticed a new charge on my Truist checking account. I called immediately and reported the fraudulent card/possible stolen debit card information. After XXXX week Truist allowed the charge to clear and sent me a letter stating the debit card was present and legitimate. I called requesting information from the fraud investigation and no information was ever sent to me. I later sent a letter stating I was not present for this debit card charge nor had I authorized the debit card charge through any mobile device. Truist did not protect my account or monitor for fraudulent activity. They also did not address my concerns and continue to state the charge was authorized despite my multiple reports.
Consumer complaint received 2019-11-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (SC)

XX/XX/2017 US Department of Education I have called and wrote this company in reference to the above inquiry in which I did not submit for them to verify the inquiry, but nothing has been done in reference to reporting accurate information to the credit bureau. I am a victim of identity theft and I am requesting that this inquiry be deleted as soon as possible.
Consumer complaint received 2024-08-19
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: TRUIST FINANCIAL CORPORATION (FL)

I have a complaint XXXX XXXXXXXXXXXX. That further this complaint. In accordance to the fair credit reporting act. My consumer rights were violated my federally protected consumer rights to privacy and confidentiality under 15 usc 1681. 15 usc 1681 section 602 A states I have the right to privacy. Also 15 usc 1681 1s -2 ( A ) ( 1 ) a person shall not furnish any information relating to a consumer reporting agency if the person know or have reasonable cause to believe that information is inaccurate. Because of the violation you have made a decision based of this violation and inaccurate information.
Consumer complaint received 2024-07-24
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. (FL)

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX
Consumer complaint received 2024-08-18
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: SOFI TECHNOLOGIES, INC. (MD)

I opened a SoFi Savings account on XX/XX/XXXX, because the advertised APY of 4.60 % was above many comparable HYSA and didn't have any fee or minimum requirements per the website. I received both mail solicitations and online advertisements mentioning only this 4.60 % APY. I was a little skeptical so I checked the rate sheet for the account as linked in the account terms and saw that the only APY listed for the savings option was that 4.60 % rate. When I scheduled a deposit from my checking account, however, the APY listed was only 1.60 %. After closer inspection, the high yield rate was only available if I paid in over XXXX XXXX monthly or scheduled a direct deposit, which I wasn't going to be able to do and would have stopped me from opening the account if it was disclosed properly. I closed my account immediately after learning this, as I had no need for a savings account with that rate, but I'm worried that now I will have a " red flag '' on my disclosure reports for opening and closing an account in such a short period of time. SoFi Bank 's predatory and false advertising has caused me significant stress and loss of my time.
Consumer complaint received 2024-10-04
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company communicating payment assistance or payment extension options
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

I bought a truck that Capital One worked with the car dealership and recommended I had the truck for XXXX weeks and the clutch went out on it and the sleep cylinder went out on it I begged for bumper to bumper coverage when I was buying the vehicle the interest rate was outrageous and they sold me the lowest liability coverage you can get and lied right to my face. I begged to work out a payment plan and they said they couldn't help me. I'm not working as much and the truck I bought had issue after issue and it took XXXX months for them to finally fix my truck. I'm a single father of XXXX amazing kids and these car dealerships love to get you at your lowest moment when you have no option but to sign however capital one had that dealership as a dealership they recommended and work with to finance me.
Consumer complaint received 2024-10-10
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: Mr. Cooper Group Inc. (NH)

I divorced in 2023. Mr. Cooper, the loan servicer told me that XXXX XXXX was possible. My loan is a XXXX XXXX XXXX loan for a XXXX building. Mr. Cooper sent me the paperwork to start the process but immediately denied me claiming the loan type is " XXXX ''. I have tried getting more information but they continue to use this language. XXXX XXXX Loans are assumable. I am not being given an explanation or chance to assume the loan so as to remove my XXXX XXXX from liability.