davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-31
Product: Credit card or prepaid 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. (WA)

I was trying to transfer my XXXX rewards from Citi Bank to a partner airline XXXX XXXX as advertised on their website and their online portal, but I was never being able to do so. The only reason why I kept my Citi credit card is because they offer this service to transfer points to XXXX XXXX airline. I contacted both Citi and XXXX XXXX Customer service and Citi CS told me to contact XXXX XXXX to resolved the issue and XXXX XXXX CS told me to contact Citi and Citi has to initiate the conversation with XXXX XXXX to resolve the issue. However, after 2 attempts on the phone with Citi on XX/XX/2023 and XX/XX/2023, they are still unable to resolve the issue. On XXXX, the Citi representative told me he will submit a report to investigate the issue and get back to me in 48 hours. However, that did not happen. On XX/XX/XXXX, the supervisor from Citi CS told me that the issue " can not be solve at this time '', exact wordings, and my points will not be able to transfer to XXXX XXXX. I believe it is a false advertisement in my particular case if my points can not be transfer to XXXX XXXX as of what their website and online said.
Consumer complaint received 2023-05-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC. (NY)

There are two simultaneous complaints. Ally Bank recently sent me a new debit card. I activated the card in mid XX/XX/2023 and have been using the card without issue. Today on XX/XX/XXXX, I tried to use the debit card for a XXXX XXXX purchase and the card was declined for a {$5.00} purchase. Since there way more money than {$5.00} in the account, I called ALLY immediately. I spoke with a customer service rep [ by the name of XXXX. Her response was the card is showing " inactive, '' yet it was activated XX/XX/XXXX and used MULTIPLE times. I then speak with a supervisor. He is telling me there is nothing they can do but issue me another debit card where I have to wait 5 business cards. That is unacceptable. 

Moreover, there is an additional complaint for a {$1300.00} purchase dispute for a item cancelled same day as purchase with XXXX and the seller XXXX XXXX. I called Ally Bank FIVE times spoke with three managers. They said they would send via email a link to upload all the supporting documents. Not only did they NOT sent the link, the CLOSED the dispute ON THEIR OWN without allowing me to upload the required documents. THis is lazy, inept, and indifferent to a long time client
Consumer complaint received 2023-06-07
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. (TX)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX Balance : {$14000.00}, XXXX XXXX XXXX XXXX Balance : {$3900.00}
Consumer complaint received 2023-05-31
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: OPORTUN FINANCIAL CORPORATION (NJ)

Illegal Debt Collection Practices Illegal Acquisition of Location Information Inaccurately reporting Negative information on Credit Report. ( Defamation of Character ) Refused to validate debt after requesting debt validation.
Consumer complaint received 2017-04-06
Product: Consumer Loan — Title loan
Issue: Received a loan I didn't apply for — 
Company: WHEELS FINANCIAL GROUP, LLC. (CA)

In XX/XX/XXXX or XX/XX/XXXX, there was a car title loan taken out in my name. There was also a phone line opened in my name at XXXX. These accounts were n't opened by me. I only found out about these loans when my wife and I applied for a home loan. Our loan officer denied our home loan due to the fraudulent loans and asked that we cleared up these charges right away. We contacted loanmart and reported the fraudulent loan. We then filed a police report, contacted the XXXX credit bureaus, and kept contacting loanmart. I spent weeks and months contacting loanmart to no avail. They refused to believe our claim. Fast forward to last XX/XX/XXXX, our loan officer checks my credit report and the loanmart loan is showing that it is a charge off. We no longer receive calls or letters from loanmart and assume they realized they made a mistake. Fast forward to today, while I am on a XXXX offsite I get a call from my coworker stating that my car is being repossessed by loanmart. I called loanmart today and they do not acknowledge that this loan is fraudulent and keep insisting that I pay them {$8000.00} to get my car back. The car in question is a XXXX that we paid for in cash about 3 years ago. This has been a very stressful and devastating process. We have done everything we possibly can and have run out of options.
Consumer complaint received 2024-05-01
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: OLIPHANT FINANCIAL, LLC (AL)

I disputed this account with XXXX  through their website on XX/XX/2021 and receive a message that this debt had been verified but did not receive any proof. No further communication was received. I requested this information be removed from my credit reports and all actions to be stop until the proof was provided but it appears an collection company has filed a lawsuit against me.
Consumer complaint received 2023-05-31
Product: Credit card or prepaid 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: CAPITAL ONE FINANCIAL CORPORATION (NY)

On Wednesday, XX/XX/XXXX my wallet was stolen in it were several cards, cash, miscellaneous recipts, membership cards. The person ( S ) who stole the wallet used the Capital One card at the XXXX XXXX XXXX location aroun XXXX EST, when I called Capital One they confirmed it was used ; and the charges showed up on XX/XX/XXXX. The capital one representative I spoke to told me they would be disputing the claim and will issue a new card ( Call 1 ~15 minutes ). 

On the card there were five charges totaling {$5100.00} on XX/XX/XXXX on the card ending XXXX. Detail of the amounts below XXXX  ) {$1400.00}. XXXX 2 ) {$650.00} XXXX ) {$1300.00} XXXX ) {$1400.00} XXXX ) {$280.00} It appears the reversal was done on the card ending with XXXX it appeared on my account individually for five transaction on XX/XX/XXXX. 

On XX/XX/XXXX, the amount was reversed of {$5.00}, XXXX then another {$5100.00} appeared on XX/XX/XXXX ; so the disputed amount now {$10.00}, XXXX across 10 amounts now because it was doubled for two. I contacted Capital One ( Call 2~15 minutes ) on XX/XX/XXXX and the representative indicated they would reverse it, I saw the reversal was applied for only 9 transactions. I still had a missing amount of {$1.00}, XXXX that did not get reversed. I contacted Capital One again on XX/XX/XXXX or XXXX ( Call 3 ~30 minutes spoke to supervisor ), they indicated they would reverse it and the reversal appeared on my account on XX/XX/XXXX. I see a charge back on my account on XX/XX/XXXX. I contact Capital One on XX/XX/XXXX ( Call 4 ~1. 5 hours spoke to 4 representatives ) told them of the issue nothing was resolved, the representative said they sent it to Fraud department for investigation. Contacted Capital One latter on that evening ( Call 5 ~45 minutes ), the representative stated they see the issues and would follow up, they were a supervisor and said they see the issue. 

On XX/XX/XXXX I see the amount of {$1400.00} was removed and added back to my account. This has to be esclated upwards I have not received resolve to my issue lingering on my account. Perhaps some government intervention will help. Its been over a month, it is clear to me Capital One specialists and systems are not equipped to handle a simple issue.
Consumer complaint received 2022-11-30
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. (PA)

I suspect fraudulent inquiries on my credit report. Below are the inquiries listed. 

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
Consumer complaint received 2023-05-31
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: PNC Bank N.A. (MI)

I sent money to someone on XXXX. I was purchasing XXXX XXXX tickets. 
I sent the money to the person but it wasn't who I thought it was. 
I thought I was sending money to a friend but I learned that their XXXX was hacked so the person I sent the money to wasn't my friend. It was a scammer. I sent the money to the person and I never got the tickets that I thought I was purchasing. I submitted 3 disputes with PNC to get my money back but I had no luck. PNC should have better technology where they can detect that I was being scammed. They should be able to get my money back since I was scammed. I was a victim. I am a current client of theirs and the least they can do is give me my money back. They are a horrible bank.
Consumer complaint received 2017-03-31
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (IL)

I have filled a number of complaints about this company and the way that my mortgage has been handled. Most recently I filled a complaint stating that the bank was asking me to provide information that we had already provided and or information that was not relevant to my request to short sell my home. I received a response from Wells stating that they did in fact find errors in the way that my account was handled and that they were asking for things that were not needed. Also they approved my request for a short same right away after they admitted that mistakes were made. I am not sure that they reviewed the entire 23 months of my short sale process so far, or only the recent months. I want confirmation hat the entire time frame was reviewed because we have been going through this, and having the same problems this entire time! The customer service and the staff knowledge at Wells Fargo is horrible! 
I called to address this with Wells Fargo and explained that if they made mistakes on my mortgage and that it caused me to fall even further past due then they needed to fix the reporting as they were at fault for the time frame that this has been taking. The individual that I spoke to claimed that the entire time frame was reviewed but I have a very hard time believing this given their track record. She also told me " you have not made a payment for 22 months ''. Why yes ... I have not paid for 22 months because I have been trying to short sell my house and I can not make a payment while trying to sell my house! She assured me that she would review this and would reach out to me with her " findings ''. Shortly thereafter I get a letter in the mail ( attached ) stating that they were not going to change the way that the account was reported. 
I find it so sad that this bank can just mishandle accounts and not have any accountability for their actions. If my account was handled confidently and in a timely fashion I would not be this far past due. We probably could have had this completed MONTH if not YEARS ago!!! I know that Wells Fargo is known for opening checking accounts without the customer 's knowledge but it appears we should add " ruin customers financial futures for the fun of it '' and of course not hold you accountable. That sounds about right. Shame on you!
Consumer complaint received 2022-11-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX Date Opened : XX/XX/2015 Balance : {$45000.00}. 
Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States XXXX XXXX XXXX, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but XXXX and Equifax are neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotional, physical & financially... and I would truly not what to pursue a legal remedy ... and the bank 's records ( learned through more research both parties require ). Please block/remove these files. If you feel there is a possibility this account belong to me I require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. This account ( s ) is unknown to me. Also, the information you provided on this account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on this account is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.
Consumer complaint received 2023-05-31
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Halsted Financial Services, LLC. (OK)

Texts to family members and previous roommates never listed on any documentation addressing them with my name. Exact text : XXXX, pay your XXXX XXXX account your way. Make your choice at https : XXXX or call XXXX. This text is from Halsted Financial, a debt collector. Reply stop to opt-out
Consumer complaint received 2017-03-31
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO. (NY)

On XX/XX/XXXX and XX/XX/XXXX at Chase Bank, someone pretending to be me presented fraudulent checks and asked for the money to be given to them immediately. The checks of course bounced and the bank withdrew the money from my account. The checks were for {$1500.00} and {$1900.00}. None of this seemed suspicious to the bank. They initially denied the claim for reimbursement. They claimed that the information matched what was on file and that the signature matched. I have seen the endorsement of the checks and the signature clearly does not match. I also do not believe they verified the driver 's license number, nor did they ask for the debit card. My wife threatened to sue and they reopened the case. They claim that they have 30 business days to investigate. This sees extremely unfair to me as they gave my money to someone who is not me, expect me to be without the {$3400.00} because of there mistake, and expect me to wait 30 business days for money that I need to pay billls. Also, I am sure that be looking at the security camera footage at the bank it should be easy enough to prove that it was not me that the gave the money to. With the way that the bank has been treating us throughout this process, I have no confidence that they will refund the money. Please help.
Consumer complaint received 2024-03-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VT)

I had freezes in place at all XXXX bureaus. I am trying to get a mortgage so I unfroze my file at each bureau several days ago. My accounts all say they are unfrozen. My mortgage broker is trying to access my credit report but keeps getting notified that my credit report is frozen at all three. 
XXXX : File frozen due to federal legislation XXXX : Report frozen-consumer requested security freeze on his/her credit file-report unavailable Transunion : Report frozen-The consumer has placed a security freeze or lock on this file I have spent many hours on the phone with customer service, speaking with actual humans, at all three bureaus. I keep being told that my files are unfrozen and they can't find any issues. XXXX did at least say that there was some kind of technical issue that they had to fix, but it was supposed to be fixed by now and still is not. 

I am about to lose out on an affordable home despite having great credit because these monopolistic companies are screwing me over. Now I'm lighting candles to XXXX XXXX for help.
Consumer complaint received 2023-05-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: OneMain Finance Corporation (TX)

Account number : XXXX One main financial reached out to me to inform me that the account was Past due and must be brought back to current if not it was going to be closed. That was in XXXX i believe. I reached out to them that week. They said they had closed the account however they have not charged ot off yet and could have it reopened by setting up a new automatic payment agreement. I have been making ontime payments since in the amount of {$220.00}. On my credit report, my mortgage hoke lender notified me that one main financial charged off the account and reopened it with my new payments, however it's the same account. It was never charged off.
Consumer complaint received 2017-05-02
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Mobiloans, LLC (KY)

I took out a loan for  XXXX  but the finance charges are so ridiculously high that I ca n't sustain the payments. I feel these predatory and illegal practices that are designed to trap consumers in never ending debt.
Consumer complaint received 2023-05-31
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (TX)

national credit system this is on my credit report for XXXX this is not my account reporting on XX/XX/2023 XXXX XXXX XXXX this is not on my credit report for XXXX this is not my account reporting XX/XX/2023
Consumer complaint received 2022-12-22
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)

This is so annoying & frustrating. Ive sent EXPERIAN multiple letters that Im the one whos disputing the items that are UNKNOWN to me. In Experians responses that make the claim that have not initiated any disputes on my behalf due to the fraudulent or high risk nature, and the documents I provided have either been confirmed as fraudulent or deemed as high risk due to the potential for fraud. This is a complete joke. How in the world did they verify these claims? First of all, I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, I never sent my documentation to anyone else as it deemed as high risk due to the potential for fraud. Also, according to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. 

( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency.

Again, under FCRA 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 

I need your help! As a consumer, I need to correct my credit file for my credit worthiness, credit standing, or credit capacity to obtain my rights and My Financial Freedom that has been DAMAGE. List of items that are UNKNOWN to me : XXXX XXXX Date Opened : XX/XX/2017 Balance : {$1600.00}, XXXX  XXXX Date XXXX XXXX XX/XX/2017 Balance : {$2300.00}