davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: LEXISNEXIS (IL)

I report abuse of trust by a former co-worker in the process of processing the AUTO loan and where they took advantage of my good will and conducted a whole process of strong consultations with different banks and financial companies, through deception, manipulation and tricks. unscrupulous The car process is requested by XXXX XXXX ( XXXX XXXXXXXX XXXX XXXX - Please see attached data / Digital backup ). XXXX XXXX asked me to help accompany her to her office ( XXXX XXXX ) on XX/XX/XXXX, because she was being offered a car and she wanted to know the amount of the monthly payment and financial responsibilities. - First. They checked her credit and her credentials. ( SSN ) And the salesperson who helped her at that time told her that her credit score is incredibly low and that she needed to present a guarantee and contribute a higher premium to the AUTO. Given that the monthly fee would be approximately USD XXXX to XXXX. 

Having this information, XXXX XXXX suggested to the seller that she try my personal credentials ( SSN ) to see the numbers and take advantage of my credit history and see if the monthly payment could be lowered. 

So, $ XXXX was a very heavy amount for her finances. She was looking for an average fee of approximately USD XXXX. 

I acted in good faith and with the healthy intention that we would try the alternatives and that she would make the best financial decision for her budget. She and the sales associate assured me that only 1 inquiry would be made to the credit bureau and that it would be smooth. And it would not affect my score in the slightest. situation, which is NOT true at all. 

At no time do I request and/or provide my authorization for multiple inquiries to be made for credit validation and I NEVER request to be the main debtor and/or co-debtor in this credit process. 

Here, the deceived, used and useful fool has been my person. And I was almost scammed, due to this bad practice and abuse of trust from my former co-worker.
Consumer complaint received 2023-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: ALLY FINANCIAL INC. (IL)

I report abuse of trust by a former co-worker in the process of processing the AUTO loan and where they took advantage of my good will and conducted a whole process of strong consultations with different banks and financial companies, through deception, manipulation and tricks. unscrupulous The car process is requested by XXXX XXXX ( XXXX XXXXXXXX XXXX XXXX  - Please see attached data / Digital backup ). XXXX XXXX asked me to help accompany her to her office ( XXXX XXXX ) on XX/XX/XXXX, because she was being offered a car and she wanted to know the amount of the monthly payment and financial responsibilities. - First. They checked her credit and her credentials. ( SSN ) And the salesperson who helped her at that time told her that her credit score is incredibly low and that she needed to present a guarantee and contribute a higher premium to the AUTO. Given that the monthly fee would be approximately USD XXXX to XXXX. 

Having this information, XXXX XXXX suggested to the seller that she try my personal credentials ( SSN ) to see the numbers and take advantage of my credit history and see if the monthly payment could be lowered. 

So, $ XXXX was a very heavy amount for her finances. She was looking for an average fee of approximately USD XXXX. 

I acted in good faith and with the healthy intention that we would try the alternatives and that she would make the best financial decision for her budget. She and the sales associate assured me that only 1 inquiry would be made to the credit bureau and that it would be smooth. And it would not affect my score in the slightest. situation, which is NOT true at all. 

At no time do I request and/or provide my authorization for multiple inquiries to be made for credit validation and I NEVER request to be the main debtor and/or co-debtor in this credit process. 

Here, the deceived, used and useful fool has been my person. And I was almost scammed, due to this bad practice and abuse of trust from my former co-worker.
Consumer complaint received 2024-06-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (CA)

I have been a victim of identity theft for the past years. There have been Fraudulent Items being reported to my Credit Report. The following account JEFFERSON CAPITAL SYST ( Account XXXX ), Original creditor : XXXX XXXX XXXX 
Date Opened : XX/XX/year>. XXXX {$760.00}. I have never had an account with any of these companies. Cease the reporting of the fraudulent item being reporting immediately. I have attached a copy of my FTC report as well as a copy of my ID. ( Please see attachments ).
Consumer complaint received 2023-09-26
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: CITIBANK, N.A. (CA)

XXXX XXXX XXXX ( XXXX minute ago ) to me I am a XXXX XXXX XXXX retiree that was Victim of a XXXX XXXX XXXX to my Citibank Account for an apartment Rental in XXXX and the bank refuses to reimburse me now again I am a Victim of a XXXX wire Fraud tied to my Citibank account, they have not refunded my account as they said. This is elder XXXX XXXX and I need someone to help me go after Citibank I can't be the only retiree that is having these issues with Citibank? Please help me or if you know a Lawyer can help me? Citibank is responsible the XXXX on the Citibank website on my account is not secure and I know its only {$5400.00} thats Pocket change to Lawyers but to a XXXX XXXX XXXX retiree on Social Security thats a several Month 's payment Lost it Hurts and I was just trying to rent an Apartment in XXXX and it was a XXXX apartment scam they knew they could use XXXX and Citibank will not reimburse me and its their Fault because its not secure. Citibank has rejected my appeal 2 Times so I am trying again. XXXX is NOT secure and Citibank Advertises it. I am XXXX used it once and scammed. 

Citibank is responsible the XXXX on the Citibank website and the 2nd scam was a fraud Real estate agent that turned out a Fraud a wire fraud again from my Citibank account. 

I did file 2 Police Reports with the XXXX XXXX XXXX XXXX Citibank XXXX CASE XXXX XXXX Wire Fraud Case XXXX
Consumer complaint received 2018-02-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BB&T CORPORATION (FL)

On XX/XX/2018 my husband and I went to our local BB & T branch to make a withdrawal. We told the teller we want {$200.00}. She gives me one cashier 's check to sign and she gives us our {$200.00} and a receipt that is not printed on but has the teller 's hand written receipt for our balance. When the mobile website was restored after the outage they had on Thursday, I saw we were charged two times for {$200.00}. This is not the first time this bank has made an error like this this is the third time. When I make a mistake they charge me ridiculous fees that devastate my family but when they make a mistake they suffer no consequences. I tried calling customer service but after 50 minutes on hold I hung up. I do not have time for that. BB & T needs to refund my account immediately. I did not authorize two withdraws for {$200.00}.
Consumer complaint received 2023-12-12
Product: Credit reporting 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. (IL)

I do not recognize these credit inquiries and i have asked for them to removed and the bureaus did not do as i asked i am providing a identity theft report and i am requesting them to be removed because they are inaccurate and not mines. 

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 2023-03-10
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. (NJ)

I ordered a copy of my reportand I found out that credit reporting agencies still indicate my dispute of inquiries in my credit report. As of todays date, the Credit Bureaus has not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX reported my Mortgage Late for three months and it was only late for two months. They paid the wrong Home Owners Insurance Company so my homeowners insurance was not active prior to XXXX XXXX XXXX. They are always reporting the wrong amount on my statements and on the credit bureaus and my FiCO Score went down over 50 points because of their reporting the wrong information.
Consumer complaint received 2023-12-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I would like to dispute specific records in my credit file that appear to be unrelated to me, the fact that I appear to have signed any agreements, and the fact that I may have been the victim of identity theft. The items I'm contesting have nothing to do with any of the transactions I've finished or authorized to get products, services, or money. Please remove the following items. 

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
Consumer complaint received 2023-04-27
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. (CT)

I believe this XXXX credit card paper statement I just received in the mail is fraudulent. I never applied, opened or maintain a XXXX credit card, especially one with a {$500.00} credit limit and 29.9 % apr. I never received a physical card just this first statement in the mail which states I opened the card on XX/XX/23. I can also see a hard inquiry on my transunion credit report on XX/XX/23. I have called the XXXX card number customer service line XXXX and XXXX XXXX XXXX which is the bank associated with the card XXXX and they both want me to confirm my social security number, address, phone number, birth date, address and account number over the phone which I am not comfortable doing just to verify my account before having them look into fraud and stolen identity. They refuse to help further despite informing them I did not open an account with XXXX and wish to have it closed as soon as possible.
Consumer complaint received 2024-04-23
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)

With 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. 

Diversified 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 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 of items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by XXXX 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 2023-04-30
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Incomm Holdings Inc. (CA)

I purchased a {$50.00} XXXX XXXX giftcard at XXXX on XX/XX/2023. I checked the balance and the money was there. Today XX/XX/2023 when I tried to use it, it declines. I checked the card balance again and it's at " XXXX ''. Transaction history shows that an unauthorized charge of {$50.00} was taken on XX/XX/2023.
Consumer complaint received 2023-04-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (PA)

On XXXX XXXX XXXX  as the bank alleged, someone pretending to be me used my ATM card numbers and stole {$5400.00} from my checking account. I was hospitalized then ; I had no idea I was victimized. After realizing this crime, I discovered my phones and other credit instruments were compromised. I can cite Chase Bank ; they claimed that they did not know how the theft occurred on Saturday, XX/XX/XXXX, and again on Sunday, XX/XX/2023, and that they could not freeze or stop the ATM card. I was aghas and wholly devasted. I immediately went into the bank and spoke with my banker, XXXX, at the XXXX XXXX XXXX ; he told me they were not honest with me and that the theft resulted from skimming or ACH fraud. While I was with the Branch Manager, XXXX and XXXX finalized another account. The disputes department was speaking with a fraudster. I have a rare illness I pay for my co-pays. I moved to this bank and deposited {$50000.00}, and because of my race, I have discovered, as with all big banks XXXX depositors are victimized, and their money is skimmed off and never returned. This is systemic and deliberate. I will never do business with any large bank again. XXXX is a business in America. I never authorized any withdrawals from my account and if someone took my money it was due to fraud this bank is rude and XXXX They promise to return money stolen by fraud to everyone except XXXX XXXX women.
Consumer complaint received 2023-12-13
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. (CA)

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there is still another account that needs to be UPDATED. The 3 credit bureaus must verify this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that this disputed account gets corrected. 
XXXX XXXX XXXX Balance : {$12000.00}
Consumer complaint received 2024-01-28
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: JPMORGAN CHASE & CO. (DC)

Date : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  JP Morgan Chase XXXX XXXX XXXX XXXX XXXX XXXX Dear XXXX XXXX XXXX JP Morgan Chase, Additionally FCRA as a federally protected consumer. Under modern privacy laws, I as a consumer have a legal right to opt out of any activities involving the collection, use, and disclosure of my personal information. In other words, I as a consumer can simply say " NO '' to all data processing activities, from marketing emails to website cookies to the sale of data. However all businesses non affiliates which are investors by law must honor these requests or risk facing significant penalties from the Federal Trade Commission or from the Federal Government. I am now Opting Out on all authorization that includes mailing and solicitation. I the consumer may have given you written Unwritten verbal and nonverbal per 15 USC 6802.

Under the Privacy Act of 1974 I do not have to provide you with my social security number or my personal information, I am federal protected by the United States Government Under Article 7 of the GDPR The consumers or data subjects who have previously given their lawful consent to a specific data processing activity can withdraw their consent whenever they wish. I can withdraw from any data offers at anytime.

I am also a XXXX  resident. In XXXX XXXX XXXX residents have also rights to Opt Out on all things including non affiliates mailing solicitations.

I should not receive any other piece of mail from any non affiliates or third parties.

Thank you for your time and cooperation. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-01-19
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (MD)

Citibank advertises Military Lending Act benefits which was the reason I got the card. I was told the annual we would be waved within the first XXXX  months. With an assistant we have submitted XXXX different claims and each have been denied stating I am not in the military. I provided the XXXX printout and everything asked but they keep saying their system says Im not in the military. I even gave them the reference to my Citibank government ( military ) travel card. Needless to say I have a couple more months before I cancel as the fee is {$490.00}. I never would have gotten it without their advertised benefit.
Consumer complaint received 2023-12-01
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

After sending XXXX from my capital one to my XXXX account. XXXX banned my account. So i disputed it with my capital one bank, they credited XXXX $ to my account. Just to take it out 2 months later so I woke up to a negative balance one day. After calling them. They said they denied my dispute. Their reason was that XXXX provided them proof of transaction. So after a lot of back an forth with XXXX  i got access to my account again. Just to find out they have made an adjustment and left my account with a negative balance of XXXX $ because of the dispute i had done with capital one. I got in contact with them and told them capital one denied my dispute. But they tell me they have the money and i should get in contact with capital one. So i get in contact with them. Horrible customer service, nobody tries to help you and when you ask for a supervisor they make you wait 30 mins in line. After multiple days of calling. Capital one re- opened my dispute. I provided them all the documents showing my account was banned right at the day of transfer. And that right now its at a negative balance. But they denied my dispute yet again. So now XXXX $ is literally on the air. XXXX claims they have it. And that i should open a dispute with them. While they claim they made their final decision, and that I should contact XXXX 2 ridiculous online banks one worse than the other. With chime threatening me to send my balance to collections. If that happens. Both are gon na be taken to court.
Consumer complaint received 2024-01-19
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: JPMORGAN CHASE & CO. (MI)

I have called on XXXX separate occasions to close my checking account with Chase bank. The first time they sent a letter saying there was an incoming transaction so they could not close my account. I waited a week and no transaction was incoming. I called and asked for my account to be closed and as of XX/XX/24 my account is still not closed. I am being charge fees for the account being open and want the account closed so I don't have to pay anymore fees.
Consumer complaint received 2023-11-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc. (CO)

This is the second complaint I am lodging against Mr. Cooper. This company is problematic on many fronts! The first complaint I filed is still with them -- and they probably won't respond or if they finally do, it will be a canned response and nothing will be resolved. I have been disappointed with them from the time they took over my mortgage from XXXX XXXX. 

They are impossible to reach by phone or email ( only chat is available and the agents are of no help ). Even though I set up an account dutifully, they continued to send me urgent alerts by email and regular mail stating my mortgage payment would not be paid unless I took even more action ( which was nonsense ). This scared me as I have never missed a mortgage payment and I had set up an account and completed all steps that I needed to for ACH payment processing. 

Then they started bombarding me with predatory lending marketing emails stating I should take out a loan against my home 's equity. I asked numerous times to unsubscribe and continued to get those emails. 

Today, I learned that they were the victim of a cyber-attack on XXXX and now their entire website is on lockdown -- as a mortgage customer I can not log in or view anything related to my account. This is egregious! 

This is three strikes -- this company needs to be put out of business and folks like me who work hard and pay our mortgages need to be allowed to bank elsewhere. I did not select this company and do not want to do business with this company. They are unprofessional/incompetent at best and and running some type of scam at worst. I do not trust them. It's one thing after another. I demand to be allowed to bank elsewhere and transfer my mortgage to a reputable institution ASAP! I have filed complaints everywhere I can ( with the FTC, XXXX, and this site ). Mr. Cooper must be held accountable for negligence and the inability to run a business at even a basic level of competence -- I am worried about the impact this will have to my family and home!
Consumer complaint received 2023-09-03
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Neon Newco Corporation (OH)

I XXXX XXXX was notified at XXXX XX/XX/2023 of an Account to Account transfer from : XXXX XXXX to : XXXX XXXX for {$780.00} of which I XXXX did NOT approve! 

Claim # : XXXX Reference # : XXXX