davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-06-01
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIZENS FINANCIAL GROUP, INC. (CA)

Here are the facts : I am filing this on behalf of my brother. I am his sister and he was seriously ill and near death last XX/XX/XXXX-XX/XX/XXXX. I traveled back to see him in XX/XX/XXXX as he was recovering. He is on XXXX and receives limited funds. In order to assist him with his finances, I made arrangements to be added as a " Payee ' '' on his checking account through Power of Attorney. He has an account with Citizens Bank. 

When I returned home, I logged into his account and I noticed extensive amounts of monies being drawn out of his account each month for various calls which appear to be fraudulent conference call charges from various companies ( including XXXX   charges ). He was not familiar with these charges and said he never incurred them. 

I contacted Citizens Bank about the fraudulent charges and have been calling their Customer Service and Claims Departments for the past 2-4 weeks. They advised me that these charges began in XX/XX/XXXX ( without my brother 's knowledge ), but he was never notified by the Bank of these charges. He informed me ( and the Bank ) that he was never aware of them. The people in the Claims Department have filed 4 different claims to date in order to reimburse him for these fraudulent charges. In addition, they have issued 3 different new Debit Cards to him since XX/XX/XXXX and the fraudulent phone charges have continued. The Bank advised me that the conference call charges began in XX/XX/XXXX but they will only reimburse him back to XX/XX/XXXX. I have had to contact them everyday to alert them of the new charges and file a new Claim everyday for the bogus charges. The Bank informed me that this is how I must handle all new charges that appear each day. When I requested that they put a STOP on these charges, they informed me that they had no way to do that.

I am at my wit 's end as to finding a reolution to this problem and have run out of ideas. Since my brother receives limited income, this is a serious problem for him. The Bank doesn't seem to be capable of assisting me or my brother to resolve or stop these fraudulent charges. One of the claims representatives seemed to think that the charges were generated from a dating website but so far, Citizen 's has not been able confirm or identify where the charges are coming from. I am seeking your assistance in this matter.
Consumer complaint received 2020-03-31
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: EQUIFAX, INC. (AR)

I went to help my daughter get an apartment, while I was there I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left I decided to pull my credit to see what the management lady was talking about and I was shocked by the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report. 

XXXX/XXXX  XXXX {$510.00} XXXX/XXXX XXXX {$2000.00} XXXX   XXXX {$2000.00} XXXX XXXX XXXX {$680.00} XXXX XXXX XXXX {$740.00} XXXX XXXX XXXX {$530.00} XXXX-XXXX  XXXX {$490.00} US DEPT ED XXXX {$4100.00} XXXX XXXX XXXX {$1100.00} XXXX/XXXX XXXX {$530.00} XXXX XXXX {$410.00} XXXX XXXX XXXX {$170.00} XXXX/XXXX  XXXX {$700.00}
Consumer complaint received 2018-01-14
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: Forster & Garbus LLP (NY)

The Inquiries listed below, are what needs to be removed : FORSTER & GARBUS ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX XXXX (XX/XX/XXXX ) I 've taken my time to reach out to these companies regarding they remove my inquiry because I was never told that they would pull my credit from the XXXX Credit Bureau, and I need it to be removed as soon as possible, so that I can be able to get approved for a loan I need. Also for XXXX XXXX, I 've explained to them also that the inquiries are holding me back, and customer service kept giving me the run around, and never wanted to help. All they did was send me to one person, then another person, then another person, while realizing they did n't want to help me get that inquiry off, and seeking the right help to get this resolved, and taken off my XXXX report.
Consumer complaint received 2022-08-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

In XXXX Divorce Settlement my Ex assumed the XXXX cc debt. He passed away in XXXX XXXX. Within a week of death, I contacted B of A to put a freeze on the business checking account. They were sent a copy of his will and to pursue his very large estate for the funds. B of A was sent Exhibits mentioned below. Attached is the XXXX XXXX fraud ; how did Ex accomplish this event. 

1. B of A lost the XXXX Original Agreement. We wouldn't have qualified for the CC because we were XXXX, I was not working, and he was a mechanic. Before 1980 we were cash buyers, and didn't have a B of A checking account until we needed to make house payments on the new purchase. 
2. Ex was a financial XXXX XXXX. He took my name off of XXXX XXXX Mortgage Deed without my knowledge. Ex removed my name from the B of A Joint SubS corp business checking without my knowledge or signature. Based on this info, I was probably an Authorized Signor only and needed the Original Authorization as proof. 
3. B of A was provided documents on how Ex didn't allowed me to have any business income, or CC 's in my name. 
4. B of A violated their Customer Billing Rights and filed a default with CC Agencies on my credit before informing me a debt was owed.
Consumer complaint received 2022-04-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A. (CT)

President - i opened citibank checking XXXX and savings XXXX on XX/XX/2022 i transferred too both less then {$37000.00}, {$35000.00} to the savings and {$2500.00} to the checking. i received there debit card mc XXXX and activated it. both accounts last night were blocked and today they said they couldnt speak to me any further but before that said the accounts were closed and it will take 12 weeks at five business days per week to receive the funds of simply 60 business days. besides that i made a decision and closed my XXXX ( XXXX ), XXXX ( XXXX ) and XXXX XXXX ( XXXX ) accounts this week and loved the thought that im not a part of them any longer and good riddance. all three got notarized letters by usps certified mail this week and look forward to never doing business with them ever again. since they dont have my money any longer. im glad they dont. ill will be more then ecstatic next week when all three are official. i think i still have a chime account ( XXXX ) it has money in it and i sent my direct deposits from ssdi to it. do this now. signed president of the XXXX XXXX XXXX XX/XX/2022 XXXX est.
Consumer complaint received 2022-08-03
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (TN)

I contact Capital One and the account was closed. I want to be on the record that someone opened a checking account in my name at Capital One without my authorization. I don't know if this was an employee of Capital One or fraudulent activity by someone outside of the bank. I didn't realize that the account was open until Capital One sent me an ATM card.
Consumer complaint received 2021-12-26
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. (MS)

For several weeks, I have repeatedly asked Equifax XXXX XXXX XXXX XXXX, XXXX and XXXX to objectively resolve my credit issues relative to hard inquiries which shouldve been reported as promotional or soft inquiries. I have also reached out to the respected companies but of to no avail. I have only authorized soft/promotional inquiries and the unduly hard inquiries constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. Please coordinate with the companies to REMOVE/DELETE these inquiries from my credit file as I have not signed any applications for credit. I have also asked in addition of their investigation to please send me the nature in how they conducted the investigation to determine and prove the validity of these inquiries. 
Inquiries are a factual record of file access, and it is the credit bureaus that are reporting these unverifiable requests for my credit. I have been instructed to work with XXXX XXXX XXXX XXXX XXXX located at : XXXX XXXX XXXX, XXXX XXXX XXXX, TN XXXX, that will also assist with this process if the inquiries are not promptly removed. I fully understand that my rights, according to the [ 15 U.S. Code 1681b ] 604, were violated and that these inquiries need to be removed immediately.
Consumer complaint received 2019-06-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with cash advances
Company: WELLS FARGO & COMPANY (NC)

XX/XX/2019, ,Went To One Of The Branches In XXXX XXXX NC , ,XXXX,, ( Down Town On XXXX XXXX, ,Try To Make A Transition To Receive A Cash Withdrawal Of XXXX XXXX My Card Was Declined ( Note ) I Do Have Overdraft Protection On My Bank Card , ,This Problem Have Happened Several Times Before, ,I Called One Of The Bankers And, Asked He What Happened, He Said Sometimes Through Overdraft Protection The Banker Would Let You Receive Cash And Sometimes They Don't, ,I Just Don't Understand this Problem That Keep Happening, ,Now I Do Have A ( _ {$200.00} ) Balance Right Now, ,But The Bank, ,Been Letting Me. Get Cash And Now My Bank Card Was Declined, ,That Is So UnAcceptable, ,If I Have This Service Feature On My Card I Should Be Able To Use It To My Discretion Too?
Consumer complaint received 2021-12-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A. (FL)

Citi bank has had a error on showing accurate account balance, they post my check payment late and once they are posted NOT pending all my credit card payment go in to negative status but my card transactions are still posting the next day citi bank than reverse all my posted check to add up to my bank transactions and charges me overdraft and reverse check fee. I opt out on overdraft but they never let my bank card transactions post in negative they just start reversing all my electronic check payment without my permission. When I call to complain about my bank card transactions they tell me I ran my card when it was zero and that impossible because due to me not being enrolled in overdraft they dont allow me to do when I ran my bank card funds were available. Than the next day when they reverse the bank check and post credit card they tell me other story making it my fault. Banks are supposed to be more consistent and accurate and they cant reverse posted payment without permission
Consumer complaint received 2021-12-26
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Blockchain.com, Inc. (FL)

Long story short i began mining bitcoin in XXXX or XXXX let the computer mine by itself for years forgot all about it at the time bitcoin was worth les then XXXX cents i also had penny stocks and XXXX  i also inevested with a mining pool had basket shares in somthing or another anyway i found out bitcoin was worth XXXX XXXX day XXXX or XXXX started trying to find my accounts this is where my story takes a twist i was fairly certain i was a being tracked monitored on all my cyber activity alot of crazy things a phone turning on by itself downloading things without a sim card things of that nature i was ready to throw in the towel and then i see online on XXXX i think about a address that was under constant attack by hackers for the last 3 years just so happens i have a receipt with that being my change address from a transactio i made in XXXX so i follow the protocall and file not 1 but 2 complaints with the fbi through the XXXX what a XXXX joke i call the fbi again haha my local sheriff ftc consumer protection you guys this is prior to XX/XX/XXXX last year back to my complaint a couple days later i read someone hacked the account again somewhere on XXXX then it was made public the government siezed the account and now 13 almost 14 months later i still have gotten no input from any agency i feel like my rights have been violated XXXX i should also mention it was XXXX bitcoin valued over a XXXX dollars at the time
Consumer complaint received 2022-08-02
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc (OK)

Received email notifying of my account relationship ending on XX/XX/22. They indicated it was " following a recent review of my Checking Account they have made the decision to end our relationship ''. They indicated the account would be terminated today XX/XX/22. I still had some money in the account but they promptly terminated the account not even giving me the rest of the day to move the funds. They terminated it at the wee hours of the morning. This is a XXXX XXXX company so they terminated it at at least XXXX PDT. 

What a bunch of XXXX  XXXX. Not shocking that they probably cancelled me over my political and religious beliefs since they are out of XXXX XXXXXXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX. Do yourselves and favor and XXXXXXXX XXXX XXXXXXXX  from your banking lives.
Consumer complaint received 2022-08-12
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. (MI)

I am a victim of identity theft, I have filed police reports, wrote letters, sent in proof, called all 3 bureaus multiple times, probably close to hundreds of times now. I am a person, I am natural human, a citizen who works hard and pays my bills. I am embarrassed and ashamed by not being able to have credit and live the life I am accustomed too. I did not make these charges, I did not open these accounts, yet I am treated like a criminal instead of a victim. I filed the police report, I sent in copies of everything asked from me on MULTIPLE occasions. 
I am demanding these accounts be removed from my credit report by all 3 bureau '' s and I am demanding that inquiries be removed!!! 
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 2019-06-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

I recently had financial difficulties in which I let XXXX know ahead of time. I sent in all my paperwork but they kept telling it was wrong. Which was not the case. It seemed like they were doing this on purpose to cause me to almost go into foreclosure they even sent me documents for modification on date that was scheduled after I received the papers. They cause more of a hardship than it should have been. So I decided to go throw XXXX GA which took 30 days. 

XXXX put me in bind to ruin my credit it took 4 months for them to get everything together which is entirely unacceptable for banking standards. So they're showing late on my credit profile in error, this was merely their mistake. I did all I was supposed to do ... 
Not to mention I was misguided via one of their employees who advised me not to pay any mortgage until I see if I'm going to get approved for the hardship. 

I have attached a letter that I provide XXXX in XXXX
Consumer complaint received 2022-09-29
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. (MI)

In accordance with the fair credit reporting act.the list of accounts below has violated my federally protected consumers rights to privacy and confidentiality under use 1681.XXXX XXXXXXXX XXXX  XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX has violated my rights. 
15 u.s.c 1681 section 602 A states I have the rights to privacy. 
15 u.s.c 1681 section 604 A section2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 
15 u.s.c 168lc. ( a ) ( 5 ) section states : no consumers reporting agency may make any consumers report containing any of the following items on information any other adverse item of information, other than record of convictions of crimes which antedates the report by more than seven years. 
15u.s.c.168ls-2 ( a ) ( C1 ) a person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Consumer complaint received 2021-12-26
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: WELLS FARGO & COMPANY (CA)

I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I request that it be closed immediately. Please send me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit files. 

I have enclosed a copy of my FTC Identity Theft Report. Because the information you are reporting is the result of identity theft, and inaccurate, I request that you stop reporting this information to the CRAs, as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). I ask that you take these steps as soon as possible. 
I also have enclosed a copy of the FTC 's Notice to Furnishers, which explains your responsibilities when reporting information to CRAs. 

I am a victim of identity theft, and I am writing to dispute the following fraudulent charges on my account : WELLS FARGO BANK Account number : XXXX Date opened : XX/XX/2021 Account status : Open Status updated : XX/XX/ Account type : Credit Card Payment status : Current Balance : {$7900.00} Balance updated : XX/XX/ Credit limit : {$9000.00} Usage : 87 % Monthly payment : {$100.00} Highest balance : {$9600.00} Terms : Revolving Responsibility : Authorized User
Consumer complaint received 2022-08-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (FL)

We have made the following monthly mortgage payments which have been processed through our bank account ( we have copies of our bank statements ) : XX/XX/XXXX - to XXXX XXXX ( prior servicing company ) for {$910.00} XX/XX/XXXX - Nationstar dba Mr. Cooper for {$910.00} ( Note : XXXX XXXX sent the XX/XX/XXXX payment to Nationstar dba Mr. Cooper so Nationstar received XXXX payments in XXXX. We requested a refund of one of those payments via secure message to them ). 
XX/XX/XXXX - Nationstar dba Mr. Cooper for {$910.00}. 
XX/XX/XXXX - Nationstar dba Mr. Cooper for {$910.00}. 
XX/XX/XXXX - Nationstar dba Mr. Cooper for {$910.00}. 
Total monthly payments made since XX/XX/XXXX : 5 payments. 

On XX/XX/XXXX, Mr. Cooper sent a letter indicating that they had sent Check # XXXX payable to XXXX XXXX XXXX for {$910.00}. The letter also mentioned that they sent a reissue check ( Check # XXXX ) on XX/XX/XXXX which they stopped payment on. We subsequently received the first check ( Check # XXXX ) and proceeded to deposit it in the bank account. This was the refund of the XXXX payments for XXXX. After we deposited the check, Mr. Cooper did a chargeback for {$910.00}, never notifying us that this check was not a good check. 

We have called numerous times, spoken with several different members of their executive resolution team and their explanation remains confusing because their processing shows a series of reversals and unapplied funds ( only on their books ) because we have not received any credit on our bank account for the {$910.00} still missing. Bottom line, there should have been 4 payments from XXXX to XXXX and we made 5, so one is supposed to be refunded back to us immediately. We've been dealing with this issue since XXXX and frankly after 25 calls and messages, I need help in getting our money back for the double payment we made in XXXX. They lie, try to confuse the consumer with all of their accounting jargon and WE NEED HELP GETTING OUR MONEY BACK!
Consumer complaint received 2022-08-02
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX  has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.