davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-03-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: M&T BANK CORPORATION (MD)

In XX/XX/2020, M & T Bank was complicit in fraudulent transactions based on forged unauthorized withdrawals from my checking account. Two of my checks were stolen from the U.S. Postal Service mail. The amounts and the payee were changed and  and the authorizing signature was forged. The checks were submitted to M & T Bank for withdrawal of funds and M & T Bank released the funds from my account. The signature endorsement on the back of two checks, that was routinely required before M & T Bank processed these transactions, is MISSING. The financial institution involved in this transaction is not visible. M & T Bank representatives can not tell me how these transactions occurred and they can not tell me the name of the other financial institution invovled in these transactions. 

The M & T Bank Affidavit of Forgery Alteration Unauthorized Check Form was submitted to M & T Bank along with a police  report on XX/XX/2020. Two forged M & T Bank checks, totaling {$10000.00} were involved in the transactions. M & T Bank has not restored the funds to my checking account.
Consumer complaint received 2020-03-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A. (MI)

On XX/XX/2020, I received an email from XXXX XXXX accusing me with 'involvement in multiple violations of the General AAdvantage Program Conditions. These violations are related to the accrual of ineligible miles and benefits ; through fraud, misrepresentation and/or abuse of the AAdvantage Program. '' As such, my AAdvantage Account was terminated and all miles earned were forfeited. 

I filed a complaint through DOT requesting for XXXX XXXX to provide further conclusive evidence to suggest a clear violation of one or more of the General AAdvantage Program Conditions. 

I received a response from XXXX XXXX on XX/XX/2020 stating that I was involved in 'abuse of the AAdvantage Program through gaming behavior, used to circumvent the Citibank/AAdvantage card enrollment bonus eligibility restrictions, particularly that bonus miles are not available if you have received a new account bonus in the past 48 months. These restrictions are outlined in the Citi/AAdvantage card promotional bonus offer terms and conditions, as well as at the top of each application page. ' I request that Citibank confirm or deny that during my ongoing credit and banking relationship that I have met the terms of each and every agreement relating to the Citi AAdvantage credit card. Please provide conclusive evidence of such case where I have violated the terms of the agreements made between Citibank and myself as stated by XXXX XXXX.
Consumer complaint received 2020-03-14
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

On XX/XX/XXXX, I submitted a complaint explaining that Transunion is unfairly listing an account on my Credit report as included in Bankruptcy, after submitting proof that my bankruptcy is over 10 years ago and proof that XXXX has this account as settled or paid for less than the full balance, Transunion decided to make a change to my account on XX/XX/XXXX and change the paid status to account paid in full or charge off and remove any negative remarks. Unfortunately, Transunion decided to break the law under the fair credit reporting act on XX/XX/XXXX and changed or updated the account in the investigation back to Paid status UNKNOWN and Remarks Chapter XXXX Dispute of account information- This is a negative remark which is affecting me personally. The XXXX account is XXXX and was opened on XX/XX/XXXX, my Bankruptcy was filed in XX/XX/XXXX and discharged on  XX/XX/XXXX. I am resubmitting all documents and I hope Transunion will take immediate corrective action. If I do not see any corrections to my credit reports I will file a lawsuit against Transunion for failing to do an effective investigation and report accurate information.
Consumer complaint received 2020-03-14
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: AES/PHEAA (TX)

I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX XXXX XXXX XXXX XX/XX/XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX and XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Consumer complaint received 2020-03-14
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Back in XX/XX/2019 I had left for a work trip to XXXX and XXXX for a month and a half. Upon my return to the United States in early XXXX, I found a number of urgent alerts from my credit monitoring company, XXXX. The alert messages made it immediately clear that I had been a victim of identity theft. I soon realized that my once perfect credit score had plummeted, all of my accounts that never had a late or missed payment were closed, and worst of all I no longer had access to my accounts as the person who committed the fraud changed all of the contact information. I immediately called to report the charges and any new fraudulent accounts to the appropriate banks. Getting access returned to me was nearly impossible. As of today, I have been able to restore the contact information with help from a Credit Bureau Dispute but still do not have access to statements and account status has been so restricted I can not even make payments for money that I might owe. I've made little progress since reporting the fraud. Three out of four banks have not restored my access to the account, all accounts remain closed, all accounts still have fraudulent charges and are accruing interest on the fraudulent charges. Collections agents have harassed and threatened me, and fraudulent charges have been added to my credit report. All of the banks have told me I am responsible for all of the fraud charges despite a police report that details what happened and the arrest of the individual who did it, letters from my attorney, and documentation showing I was out of the country. As of XX/XX/2019 all of these banks were still making contact with the fraudulent user even after I reported the fraud. I have been unable to get access to statements while the banks themselves were making calls to the wrong person. Fraudulent activity was reported in a timely manner and well within the time allotted by federal law. All of the notes on my accounts regarding the issue are no longer there, there is no record of the documentation I sent in to the banks despite my attorney receiving confirmation from mail carrier and tracking number that letters were signed off for upon delivery.
Consumer complaint received 2022-12-31
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. (NJ)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Consumer complaint received 2021-03-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Hello I provided the company with the information that they asked me for. I mailed it and uploaded it to them. I was informed that it would be removed in 72 hours. It is still showing on my report. I will be checking my reports to ensure you have had the following unauthorized inquiries removed. 


XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Date of inquiry XX/XX/2019
Consumer complaint received 2021-03-19
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Resurgent Capital Services L.P. (MO)

I've submitted a complaint to the CFPB regarding debt collection and the response that I received from the creditor was unacceptable. They claimed that an attorney office XXXX Defense Lawyers ) reached out to notify them that they were representing me. I have NO IDEA or affiliation with this law firm.
Consumer complaint received 2020-03-14
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: TD BANK US HOLDING COMPANY (NY)

Back in XX/XX/2019 I had left for a work trip to XXXX and XXXX for a month and a half. Upon my return to the United States in early XXXX, I found a number of urgent alerts from my credit monitoring company, XXXX. The alert messages made it immediately clear that I had been a victim of identity theft. I soon realized that my once perfect credit score had plummeted, all of my accounts that never had a late or missed payment were closed, and worst of all I no longer had access to my accounts as the person who committed the fraud changed all of the contact information. I immediately called to report the charges and any new fraudulent accounts to the appropriate banks. Getting access returned to me was nearly impossible. As of today, I have been able to restore the contact information with help from a Credit Bureau Dispute but still do not have access to statements and account status has been so restricted I can not even make payments for money that I might owe. I've made little progress since reporting the fraud. Three out of four banks have  not restored my access to the account, all accounts remain closed, all accounts still have fraudulent charges and are accruing interest on the fraudulent charges. Collections agents have harassed and threatened me, and fraudulent charges have been added to my credit report. All of the banks have told me I am responsible for all of the fraud charges despite a police report that details what happened and the arrest of the individual who did it, letters from my attorney, and documentation showing I was out of the country. As of XX/XX/2019 all of these banks were still making contact with the fraudulent user even after I reported the fraud. I have been unable to get access to statements while the banks themselves were making calls to the wrong person. Fraudulent activity was reported in a timely manner and well within the time allotted by federal law. All of the notes on my accounts regarding the issue are no longer there, there is no record of the documentation I sent in to the banks despite my attorney receiving confirmation from mail carrier and tracking number that letters were signed off for upon delivery.
Consumer complaint received 2020-03-14
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Coinbase, Inc. ()

Case # XXXX - Your account has been locked My account is blocked from XX/XX/2020. Support is not responding, I have been writing to them for 14 days, there is no reaction. I wrote to XXXX, where they replied that my ticket was handed over to a specialist, but I still did not get an answer. Help me.
Consumer complaint received 2021-03-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

TransUnion is reporting the account with XXXX XXXX  on my credit report, and I have never heard of this company. Upon reviewing my credit report, I did not recognize this account nor company. I initially sent a request for TransUnion to validate the account, and send my proof such as a copy of a signed agreement or any other documentation to validate the information being reported was indeed mine or correct. After five different attempts, they have failed to provide me proof of this account, failed to provide proof that I have dealings with this company, and failed to validate this debt. I have disputed this information five times, and have given them warning that if it could not be validated, to remove it from my report, or else I would file a formal complaint. In addition, the information TransUnion is reporting does not match the information being reported by the other credit agencies, which again leads me to believe this account is illegally being reported. This can not be mine, nor a real account, because the information across the agencies do not match. That is impossible for the exact same account to be reporting differently. After multiple attempts, they still have not done anything about this. I sent a dispute to them on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I gave them ample time and opportunity to resolve this issue before having to take this route of filing a complaint.
Consumer complaint received 2020-03-14
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: U.S. BANCORP (OH)

My XXXX year old Grandmother paid her bill twice. We told the Bank and Mastercard. When we refunded the money, The XXXX XXXX Rewards Mastercard, claimed this was a credit against her account. However, they had already taken out of the bank account. We had to argue this point, that they had taken the money out of the bank account and not used that money as a credit towards the account. We were able to get the situation sorted in that one of their customer service providers said that when the account righted itself at the end of the month we'd only owe the balance. This still hasn't occurred, months later, and they still claim this money - which was never given them, nor used - is owed to them. Because of their insistence, later acceptance but non-action, the account balance doesn't reflect the actual payoff amount, and the bill ballooned. I wouldn't be filing this complaint if they had promised over the phone that they understood and the account was clear. Nor, would I be as quick to complain if dealing with their reps hadn't proved to be difficult in sorting a simple situation. One representative fought with my Grandma for two hours trying to get her to pay the bill she'd already paid, a third time. Claiming that when we paid twice, on accident, we owed this amount.
Consumer complaint received 2022-12-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A. (NJ)

Dear Sir/Miss, I got the below offer from Citi bank XXXX XXXX XX/XX/XXXX. 

XXXX XXXX XXXX XXXX {$5000.00} - {$14000.00} {$200.00} {$15000.00} - {$49000.00} {$400.00} {$50000.00} - {$190000.00} {$700.00} {$200000.00} and above {$1500.00} I choose XXXX XXXX {$700.00} bonus. I called to Citi Bank XXXX and opened a checking account ending XXXX on XX/XX/XXXX. The lady who opened my checking account told me that i will get {$700.00} bonus in 3 months. Then I transferred {$51000.00} from XXXX XXXX  XXXX XXXX account to citi bank to earn this {$700.00} bonus in XXXX months. I did not get that bonus in 3 months then i visited NY Citi bank branch, They told me that i will get it by XX/XX/XXXX still I did not get the bonus. Then I called more than XXXX times to Citi bank. Every time they said, I will get my bonus. However, i never get it although it is already 7 months. While I chat, while I called they always told me that they create a new XXXX Citi bank is lying to me too much keeping my hope but I never get my bonus. I have still my money with Citi bank. I deposited for 3 months to get a {$700.00} bonus, I have not get it as of now. It's already 7 months. XXXX i request your kind support to arrange {$1400.00} bonus from them since they already kept my money for more than 3 months? 
Please let me know should you need additional information. 
I look forward to your kind support. 
Happy new year XXXX. 
Best Regards, XXXX XXXX XXXX
Consumer complaint received 2022-12-30
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. (MI)

Its hard inquiries on all three bureaus that I dont recognize. Its been 90 days since the last time I tried. I need these off so I can further my credit journey.
Consumer complaint received 2020-03-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc. (CA)

I received a phone call and then a letter dated XX/XX/2020 from AmSher Collection Services XXXX XXXX XXXX XXXX XXXX, XXXX, AL XXXX XXXX in regard to a 'unpaid balance ' to XXXX XXXX. I have never had an account with XXXX XXXX and to the best of my knowledge they have never been in this area, and I have lived here 36 years. 
I received another phone call from them today and explained exactly what I said above. I have notified all three credit agencies XXXX, XXXX, and XXXX XXXX. 
Amsher Account # : XXXX
Consumer complaint received 2021-03-19
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. (NY)

On XX/XX/XXXX I sent a letter to Equifax, XXXX & XXXX  regarding inaccurate and unknow things on my credit reports. There have been several unauthorized and unrecognized inquiries added to my report over the last 2 years from unknown sources. I don't have any open accounts with any of these inquiries reporting therefore I disputed the validity of these details and its been 60 days and the Bureaus have not responded yet. Here is the list reporting fraudulently across all 3 bureaus : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2021-03-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

" I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravers ( Mo ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. ''
Consumer complaint received 2022-12-31
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Struggling to pay your loan — 
Company: TMX Finance LLC (FL)

I believe it was around XX/XX/2021 upon entering title loan just asking for a {$800.00} loan they said I was approved for a {$1400.00} loan with payments of 220 something dollars a month so I was excited and said to XXXX cool I can pay that off Within four or five months and they were like yes I believe they take advantage of the less unfortunate people I got stuck paying 220 something a month which nothing went towards the vehicle to reduce the loan that I got when I realize the loan was still around the same amount and just kept accumulating it was already too late hi was late a few days past 30 days and they repo my car which cost me over 600 something dollars just to get it back and then continue paying my loan of 220 something dollars there is so many people going in there and not realizing what theyre signing this company is popping up everywhere I was finally able to pay off the loan after a year and a half of struggling loss my home I was renting got evicted and up in the streets it was a struggling battle just to get that amount but I lost everything and my stuff is in storage still to this day Im only writing because this company needs to be investigated and how they proceed and get people to be approved easily by signing the most valuable assets away I am making you guys aware so that way they can hopefully get me out of this financial ruins I am willing to take this information to the news broadcast it plays XXXX XXXX whatever have to do to let the less unfortunate people out there like myself dont get caught up with this scam this life this place it was a struggling battle I almost lost everything my means of transportation as well but that was the only thing I was able to save I got evicted I lost everything I have nothing Im trying to bring myself back up This company has extremely profit from me and Im sure others out there as well
Consumer complaint received 2019-11-26
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: CNG HOLDINGS INC (LA)

Today, XX/XX/XXXX is my first time hearing of this debt. The guy stated he is a compliance officer and he was sending my information to have me arrested for grand theft if I didnt pay for a debt. He wouldnt tell me what the debt was for. And continues to hang up in my face. Then After the third call he forward me to processing saying that he already sent my file to have me picked up in 24 hours. This was so humiliating as I didnt even know what this was for.
Consumer complaint received 2021-03-19
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: ROBINHOOD MARKETS INC. (MA)

My name is XXXX XXXX and I have been unable to access my verified XXXX account since XX/XX/21. I have emailed the company repeatedly, which has no phone number or other way to contact them at provide assistance. The company has my account balance held hostage and will not respond to my inquiries. My account is also linked to my banking so I fear other financials are now at risk. I need access to my account so I can pull all my funds from this brokerage and never using them again. You can not take peoples money and not allow them access to it. This experience honestly feels like theft I have no access to my money and there is no customer service. I can not sleep and am suffering a great deal of distress. my email is XXXX which is link to my account.