davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Rocket Mortgage, LLC (CA)

Rocket Mortgage did a credit check on me in XX/XX/XXXX and today XX/XX/XXXX when I asked for a copy from the lend " he stated I'm unable to supply that information and then transferred me to personal relations department ''. The next person told I could not receive a copy due to the company Rocket mortgage used to pull my report and that I could purchase one myself.
Consumer complaint received 2024-03-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Transunion has failed to remove unauthorized inquiries that may have been due to a data breach. They were informed of this error last year and failed to remove this information. I have already sent my XXXX data breach claim id and FTC report, but I will attach the FTC report again for your reference. Remove the following unauthorized inquiries from my credit within 7 days or I will have no choice but to pursue legal action : 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 2022-01-25
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (CA)

Happened on XX/XX/22 I received a call from chase customer service - XXXX ( XXXX ) XXXX. I answered because when I looked up the phone number it showed that it was for chase. I answered and the guy said someone was trying to steal {$2000.00} from my account thru XXXX to a XXXX XXXX XXXX account. He then proceeded to ask for my name and date of birth and deleted my number from my chase banking account and added it to a XXXX XXXX XXXXXXXX account. He said he was going to do a reverse transaction. He made me send the XXXX to my phone number which ended up sending it to their account. The account was registered under someone named XXXX. I have text messages from them adding my number to their account. I contacted Chase about it right away after the incident but they said they couldnt do anything even though it was their own number that was used. I contacted XXXX and was given the same response. I tried talking to Chase again but they didnt help at all. I dont know what to do at this point. Nobody is helping whatsoever. I saw an article where another person went through the same issue and that XXXX XXXXXXXX XXXX ended up crediting her the amount they stole because of Regulation XXXX.
Consumer complaint received 2022-01-25
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)

After multiple attempts at correcting information held by Equifax about my financial account, they return the dispute within 24 hours telling me that all information is validated. They tell me to make a fraud report to the police, but I believe they simply have the wrong information on my file. 

I have attempted all the options they provide, and even called in to there call Center. With the online disputes, they reply very quickly- all information is correct, however with written disputes, i do not receive any response. When calling in, they claim they can not verify my information and as such can not help on the phone. 

I do not know how to correct the information, and they offer no assistance in completing this any other way. This is a form of bullying - I am at the mercy of these companies and the companies they list. 

I have just gotten off the phone to them again, where after using the cell link they sent to verify myself, they claim it wasnt possible according to their system, when they asked questions about accounts, specifically minimum payment amounts or other variable information, they also claim i was not successfully verified and then said to send identification- which they have on file already, having provided it to them for earlier attempts at correction of information.
Consumer complaint received 2022-01-25
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: FIRST NATIONAL BANK OF OMAHA (TN)

Was contacted by fraud department at first bank card about purchasing on my credit card. These charges were made in XXXX XXXX Nev and I live in XXXX TN Was also told my information was change and additional personal was added Credit card company had me to prove my idenity and cancel credit card and in processing of sending new card Was told to file this report.
Consumer complaint received 2022-04-09
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: Experian Information Solutions Inc. (FL)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2022-01-25
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. (CA)

I MAILED IN LETTERS 2 MONTHS AGO TO THE BUREAUS AND GOT NO ACTION OR RESPONSE ON LATE PAYMENTS THAT ARE NOT TRUE AND ACCOUNTS THAT SAY CHARGE OFF THAT ARE NOT ACCURATE.
Consumer complaint received 2022-04-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A. (NY)

To whom it may concern : As a victim of fraud and unauthorized transfer, I would like to file a complaint on the lack of security protections from Citibank that led to the loss of {$21000.00} from my bank account. 

On XXXX XXXX 2021, there were a couple of unauthorized activities from my Citibank account. I noticed them and immediately informed Citibank to stop the transfers or freeze my account when their status was still pending. Despite reaching out to different Citibank departments with the same request, Citibank still refused to stop the transfers. I put in so much effort, including contacting Citibank, filing reports with the Fraud Department, and reporting this to the police, but it was frustrating that Citibank did not recognize the urgency and nor make an effort to protect my savings account. On the next day, I discovered that almost the entire savings account balance, i.e. {$21000.00} in total, had been stolen from my bank account. 

Besides the refusal to halt unauthorized transfers, Citibank also did not perform appropriately to avoid the perpetration of fraud. Before this event, my account had never had any history of transferring more than {$1000.00} in a transaction. It was obviously suspicious that a large amount of money was suddenly overdrawn in excess of what was in the account. 

Similarly, such a large portion of my savings was transferred to a person I neither had any types of previous transactions with nor had added to my list of payees. While the recipient was as suspicious as the transfer, Citibank did not contact me to notify me of the unusual transfer, to verify identity, and to confirm the transfer. I, as the primary owner of the account, have not received any notifications or alerts about the transfer. It is very doubtful whether Citibank has taken any effective security measures to prevent the occurrence of unauthorized transfers. 

After this unfortunate event happened, Citibank asked me to wait and promised to do investigation into it. However, I have not received any reports about the investigation. I have not been provided any explanation about how my money was stolen from my account or any form of compensation from Citibank. It seemed more like a statement that the bank had decided to deny any responsibility. 

To resolve this, I would appreciate assistance from the Consumer Financial Protection Bureau. I would be able to provide all the necessary information and copies of records.
Consumer complaint received 2022-01-25
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. (OH)

XXXX through XXXX XXXX was a va loan that was transferred from XXXX XXXX bank XXXX that was established XX/XX/XXXX and with XXXX XXXX until sent to XXXX XX/XX/XXXX until XX/XX/XXXX. However, they are reporting XXXX late payments from dates XXXX until XXXX when XXXX did not have the loan. XXXX XXXX XXXX is also reporting 12late payments all but 1 date that XXXX is reporting. XXXX XXXX XXXX ( XXXX dob XX/XX/XXXX ) filed an Affidavit through XXXX XXXX XXXX XXXX XXXX that he refinanced XXXX XXXX loan prior to XX/XX/XXXX and when I was served I provided a copy to the VA department via email with receipts and to XXXXXXXX XXXX XXXX through multiple routes. I thought XXXX would help me but instead they sold the loan to XXXX XXXX  and sent me a goodbye letter and to look for the welcome letter. I even asked XXXX to mail payoff balances, loan summaries, account details, etc to the XXXX County Court House daily and sometimes multiple times a day as they refused to accept XXXX as the mortgage. Judicial Notice is taken in case XXXX regarding property address XXXX XXXX XXXX XXXX Ohio that the quick claim deed was signed by me XX/XX/XXXX and filed by recorder/auditor XX/XX/XXXX and also I provided in person a copy but was told I would go to jail for saying I had filed quick claim deed by XXXX XXXX XXXX I have purchased transcripts in case from the court for this matter to prove the situation. After XX/XX/XXXX it was established that I had filed XXXX deed I was told the case of contempt asking to jail me was purged but I do have all transcripts but the transcript for XX/XX/XXXX in front of Judge XXXX XXXX as the court reporter XXXX XXXX is typing up and has been paid XXXX to date through XXXX with XXXX XXXX. I am seeking help with my credit to remove the late 13 payments from XXXX  and stop them from doing this to others as if they got me they got many, as well as the fraud on the divorce XXXX attempting and actually succeeding in fraud documented through court transcripts, credit reports, separation agreements that merged with divorce decree, even the mutual agreement that was unethically obtained by XXXX XXXX and XXXX XXXX stating it was only for XXXX to refi and the document would not be used in any other way .... but then was sent to court as mutual agreement and the court acknowledges that they never serviced me. The mail all leads to XXXX XXXX XXXX XXXX, OH XXXX owned by XXXX XXXX. My juror summons from XXXX county court also was tracked with case numbers through the usps inspector department as supposedly it was a federal crime to forward mail of an ex spouse to a XXXX XXXX XXXX XXXX sheriff says its civil not criminal. Court laughs at me. Please help. XXXX lien XXXX divorce XXXX XXXX XXXX XXXX XXXX XXXX Oh XXXX property address. XXXX originated as an interest rate reduction loan through the va and changed from XXXX to XXXX XXXX. Thank you for your time.
Consumer complaint received 2022-01-25
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

On XX/XX/XXXX, I informed XXXX of the violation of the HIPPA and FDCA laws they have violate. They have fail to respond and have damage my reputation. I do not owe this alleged debt.
Consumer complaint received 2021-05-12
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: ROBINHOOD MARKETS INC. (NY)

This complaint is about Robinhood. 3 weeks ago I tried to sign in to my account to withdraw the last of the funds as I am done with using Robin hood in its entirety. I could not sign in, I used their reste password method and I was never sent a reset email. This led me to go on their website and reach out to help and support because there is no customer service phone number whats so ever. After waiting for a week and sending about 100 emails and tagging them on XXXX, they finally asked for an ID because they needed more information to verify me. I have sent them the ID 2 weeks ago, I keep since then emailing them to provide me with more information. I have not had any replies. Since all this happening, I have had my bank account fraudulently added to a new unauthorized account on XXXX XXXX, Ive had my bank account hacked into twice.
Consumer complaint received 2022-01-25
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: HUNTINGTON NATIONAL BANK, THE (FL)

In XX/XX/2021, I opened a personal checking account and a business checking account in a branch in PA near our summer home there. A few weeks after opening the accounts, Huntington bank froze the accounts not allowing me to bank deposits, withdrawals, or have online access. 
I have called multiple times and have been told the accounts are being closed by the bank hence the hold and I would be receiving a check for the funds in each account ( Approx. {$1000.00} in each ; {$2000.00} total ). However, it has now been 3+ months later, and I am being charged fees for the balances.
Consumer complaint received 2022-01-25
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Stallings Financial Group, Inc. (TN)

On XX/XX/XXXX, I informed Stallings of the violation of the HIPPA and FDCA laws they have violate. They have fail to respond and have damage my reputation. I do not owe this alleged debt.
Consumer complaint received 2022-01-25
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: Experian Information Solutions Inc. (TN)

EXPERIAN IS SHOWING INACCURATE MISLEADING FRAUDALENT INFORMATION ON MY CREDIT REPORT THAT THEY WILL NOT REMOVE. STUDENT LOANS FOR XXXX  THAT WERE NEVER LATE, AND XXXX UNIVERSITY THAT THEY DONT HAVE ANY KNOWLEDGE OF.
Consumer complaint received 2022-01-25
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (TN)

Keep getting calls and emails from this company saying I owe XXXX I have never received anything in mail about this debt I dont owe that debt and I want them stop harassing me and they also call from a number XXXX saying they have claims against and I need to call XXXX immediately before action is taken they call my home phone which my husband is XXXX and it upsets him and he gets nervous which isnt good I want this stop and I will not pay something I dont owe The emails have a XXXX XXXX name on it and I dont know him or never had dealings with this company I want them to stop now
Consumer complaint received 2022-01-25
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. (MN)

equifax has refused to do a proper investigation into information obtained in my equifax credit file. They are not verifying properly the fraudulent information that they are continuing to report and that is a violation of the FCRA. Every single inquiry listed on my equifax credit report is fraudulent. I didnt do a single one. they claim the information is being verified, however i can assure you it is not. they are just checking their internal records and not properly investigating this issue.
Consumer complaint received 2022-01-25
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY (FL)

After the financial relief of the mortgage that was authorized by the government, I benefited from said aid for 5 months, my mortgate was XXXX per month, which when I started my payments again, it rose to XXXX and they opened a second mortgage for me of which I was not notified. for the sum of XXXX, which is why I have contacted you since I have communicated with XXXX to clarify this situation and to date I have not received any clear answer. 

I attach bank statement documents from 2020 in which I have a single mortgate and I attach 2020 with the second mortgage
Consumer complaint received 2022-09-27
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: Experian Information Solutions Inc. (GA)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
items : XXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX ; US DEPARTMENT OF EDU XXXX Balance {$5100.00} ; US DEPARTMENT OF EDU XXXX Balance {$3100.00}.
Consumer complaint received 2022-01-25
Product: Credit card or prepaid card — Payroll card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: OPTUM BANK, INC. (CO)

I called them to send me the remaining amount from my prepaid credit card that was paid directly into credit card. They had refused since I dont remember old address. They refused accepting my new address to update. They required old address! XXXX! It took months later then I found my old address from file. I called them. I called them to close acct and mail me the entire amount which was about over {$350.00}. They did update the address and would mail me the check. The confirmation nbr is XXXX XXXX XXXX. I called on XX/XX/XXXX only to learn today on XXXX that they did not close my acct!!! The guy does not even have the info of why the acct was not closed! Nor check was not sent to me. They still have my money! I suspect it is their way to charge lil by lil for it is for THEIR WORK. Dirty! It is a sly work of theirs. I need the check to deposit before I move to Alaska this XXXX of XXXX.
Consumer complaint received 2021-05-12
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Community Health Investment Company, LLC. (FL)

I had gotten 3 calls from 3 different numbers all claiming to be XXXX, none of the phone numbers were associated with XXXX and were all previously reported as scams, claiming I owed $ XXXX {$990.00}, it changed each call, and I told them I would pay it when XXXX sends me a bill. I never got a bill in the mail or a call from a legitimate phone number. Then a couple weeks later I received a letter from " Professional Account Services Inc '' with a very vague description, the wrong name, and the wrong address. Then a few days later I received a call from a woman, who had a clearly fake " southern '' accent, claiming to be from the company and saying she was in Tennessee. I told her I was unable to talk as I had to take my daughter to therapy, but she refused to let me off the phone politely. She claimed to have my social security number, which is a threat, and I gave her my email so she would let me hang up. I never received an email. I looked into the phone number because it had a XXXX area code. Turns out this company " from Tennessee '' is using a landline registered in XXXX XXXX, Florida. After that I called the real XXXX  service and they looked at my account and said there was no {$990.00} bill ever and they had no idea where that number was coming from. So I called the " debt collectors '' back. A lady without an accent answered and then after hearing me changed to having an accent, then when I said I spoke to XXXX  she dropped the short-lived accent and started screaming that " XXXX knows who we are '' and when I said okay but I spoke to them she screamed that I am " a liar '' and starting having what sounded like a mental breakdown and I just hung up. Why would XXXX not send me a bill and immediately send it to a debt collector? I am tired of the harassment and threats and want these people shut down. One of the phone numbers they called me from was XXXX.
Consumer complaint received 2022-09-27
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: Experian Information Solutions Inc. (LA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-01-25
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

My mortgage was purchase by Bank of America from countrywide. The arm loan Bank of America refused to let me refinance and sold the arm loan to XXXX XXXX. After numerous attempts Bank of America and XXXX XXXX would not allow a refinance loan. My home I had no choice but to sell due to the ballon loan. 
I was rendered XXXX with XXXX  children for 6 weeks in 2021. Now Bank of America after several attempts 6 calls and an in person bank branch meeting refused to give my mortgage tax information to me preventing me from filing 2 years of taxes, Im now facing fines.