davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A. (CA)

On XX/XX/22, an unauthorized user gained access to my CitiBank Online Checking account and withdrew {$20000.00}. The unauthorized user first gained access to my cell phone number through XXXX XXXX. I received a text from XXXX that my number had been compromised and then shortly after my cell phone service was blocked. During that time, the unauthorized user hacked into my CitiBank account by wiring out {$20000.00} from my checking account. While I still had access to my CitiBank account by using my laptop, I saw that the unauthorized transaction was wired to someone named XXXX XXXX from Illinois who had an account from XXXX XXXX XXXX XXXX bank. I had to use my home phone to reach out to CitiBank to stop the wire transfer and freeze my checking account. That same day I went to a CitiBank branch and they informed me that they were able to freeze the pending wire transfer and any future transactions. The next morning I called CitiBank asking about the status update on the wire transaction and was informed that the money, unfortunately, went through. CitiBank then directed me to their fraud department and I was advised to file a fraudulent claim and complete an affidavit providing more information on my case. During this investigation process, I contacted XXXX about the incident. I was then mailed a physical letter confirming that my phone number and personal data information were indeed compromised by an authorized user. The investigation process with CitiBank 's fraud department took around 2 months and with no updates on the status of my claim. I reached out to CitiBank 's fraud department asking if they needed any evidence to support my claim, but they declined my request. I received a mail from CitiBank on XX/XX/22 stating that my claim was denied " due to the fraud reported was caused by providing customer account information or authorization for the transactions that were determined to be a scam. '' I tried contacting CitiBank 's customer service to dispute the results of my claim, but no one was able to help me. 

I have attached screenshots of evidence I have to support my claim. Please let me know what other information you need. Thank you.
Consumer complaint received 2022-10-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Home Point Financial Corporation (CA)

My home loan mortgage company ( Home Point Financial Corporation ) transferred my mortgage to another company ( XXXX XXXX  ) in XX/XX/2022 without proper notification to me, so I was not aware of the transfer therefore missed all the monthly payments. It caused my mortgage to be in default and the property in foreclosure, severe damage to my credit score, and over {$4000.00} fees charged by XXXXXXXX XXXX related to the missed payments and foreclosure. 
Both Home Point Financial Corporation and XXXXXXXX XXXX failed to send notification to my mailing address which is different from the property address. Home Point Financial Corporation has my mailing address, but didn't provide it to XXXXXXXX XXXX, so both companies allegedly sent all the mortgage transfer notifications by mail to the property address. My family and job were both impacted by Covid so I had to live at my mailing address, so I didn't receive any of the alleged notifications sent to the property address. XXXXXXXX XXXX representative claimed the company tried to contact me several times through telephone calls, but all the calls went to voicemail ( and no voicemail was left ), but the representative admitted that all the calls were made by XXXX XXXXXXXX so they were blocked by my phone service provider and I didn't receive any of the calls.
Consumer complaint received 2021-05-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rent Recovery Solutions (AZ)

Rent Reporters is attempting to collect an alleged debt from me.I do not have a contract with Rent Reporters and I never consented for them to collect a debt from me.I did not consent to Rent Reporters having or using my information. They have not verified this alleged debt. We did not have any communication prior to Rent Reporters ruining my reputation. Rent Reporters has violated ( 15 USC 1692d ) Rent Reporters has in fact ruined my reputation by reporting this bad debt to the reporting agencies.
Consumer complaint received 2022-07-26
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: EQUIFAX, INC. (PA)

This is my 7th Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any account which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXXXXXX Balance : {$2600.00} XXXXXXXX XXXX XXXXXXXX Balance : {$0.00}
Consumer complaint received 2022-07-26
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: EQUIFAX, INC. (MO)

I am bothered by the negligence of the Credit Bureaus with regards to the items I am disputing. I have been sending multiple letters to the Credit Bureaus to request the complete removal of the fraudulent information being reported on my Credit File. The last letter I sent to the Credit Bureaus was XX/XX/XXXX with complete attachments of my Driver 's license, Proof of Addresses and the ID THEFT REPORT I received from the FTC. I have read that the Credit Bureaus are required to remove any accounts and information that the consumer identifies as an item resulting due to identity theft. As stated on the letter I sent, the Credit Bureaus are required to remove the items I am disputing within 4 business days after the date of receipt. The inquiries and addresses being reported on my Credit File are fraudulent since I never remember authorizing anyone regarding these inquiries. I am submitting this complaint to protect and execute my rights, which is clearly being violated by the Credit Bureaus, under the FCRA section 605b. Please remove the following items COMPLETELY FROM MY CREDIT FILE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$240.00} XXXX XXXX Balance Owed : {$220.00} XXXX XXXX XXXX  Inquiry Date XX/XX/XXXX XXXX  Inquiry Date XX/XX/XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXXXXXX Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX
Consumer complaint received 2021-03-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Freedom Mortgage Company (MO)

In XX/XX/XXXX, I filed bankruptcy. I also signed a reaffirmation agreement for my home loan and my auto loan. Ever since, Freedom Mortgage, my home loan servicer, has not reported to the credit agencies, and has reported my open, existing loan, that I continue to pay for and I continue to be in possession of the property, as a closed account. This account is very much open and I am very much still paying on the mortgage. I called Freedom Mortgage on several attempts to rectify the situation with no luck. My most recent attempts were the last week of XXXX, when I spoke with a customer service representative, they said they opened a case on it. I followed up on XX/XX/XXXX, there was no notes in the account that I am trying to get a resolution. The girl stated she sent it to their legal department, she said she researched my file and was able to find my reaffirmation agreement. She stated that I would hear from the mortgage company by the next Tuesday. The following Wednesday approached and I still had not heard anything. I called Wednesday the XXXX and spoke with a supervisor that said he can not do anything, nor can he provide me contact information for their legal department. I followed up with another phone call XX/XX/XXXX and there still is no action.
Consumer complaint received 2022-08-01
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

XX/XX/2022 I contacted someone on XXXX who said that they would sell me concert tickets. I wanted to pay for a ticket 1 at a time so we came to the agreement that after I paid, the person would send the ticket. Immediately after, they said that there was and error that would not allow them to send transfer the ticket and said they could only send two tickets but demanded that I pay the remaining balance. The person refused to send me any proof that they were unable to transfer the ticket so that's when I knew I got scammed. 

The money was sent through XXXX and the tickets were supposed to be transferred through ticketmaster
Consumer complaint received 2018-10-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: DISCOVER BANK (MI)

My payment for my Discover credit card was due on XX/XX/XXXX. I forgot to pay the bill. I made a payment this morning at XXXX ( eastern time zone ). 

I received a total of 4 calls since making the payment I received a call at XXXX and informed the gentleman that I made the payment and to check their records At XXXX they called me again I did not answer nor did they leave a message on my voice mail I received another call at XXXX and spoke to a supervisor XXXX who was claiming to be a supervisor and said that he put a call blocker on my account and that I would not be called again. He also acknowledged payment to my account. I told him to cease and desist communication with me and he told me I would not be called again I received another call at XXXX and spoke to XXXX who also claimed to be a supervisor I explained to her that I received a call this morning. I explained my call with XXXX that took place at XXXX. As I expressed my displeasure with what was going on, instead of apologizing, she tried to talk over me several times and justify the calls Calling 4 times in 1 day is just plain harassment, especially when I paid the amount due to make my account current and not only that, I paid the amount for next month as well Per the FDCPA law, they are also in violation for calling me when I told XXXX to cease contact with me and I was told by XXXX I would not be called again. 

Again, this bill was paid at XXXX and they called me 4 times after this bill was paid.
Consumer complaint received 2017-06-26
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: WELLS FARGO & COMPANY (GA)

In XXXX 2017 Wells Fargo Bank, CRM employees restructured my business relationship profile on my small business accounts and also reverse payments, blocked transactions when larger direct deposits where pending and what ever fees they created where payed after the larger direct deposits were posting and then after this incident they Bulled me by blocking my operation accounts cards with out warning ; they claimed I had abused my cards and accumulated over 70 NSF 's. in one year. ( LIE ) My bank statements prove other, and Now for the time being I ca n't do credit card transactions so when I got direct deposits weekly of {$5000.00} to {$13000.00} thousand from my clients I could not complete work I lost close too {$200000.00} Dollars in a four year contract and sells and clients. Five years of a great relationship and services with Wells Fargo also. A group of employees social engineered a procedure to break my relationship with Wells Fargo, Committing bank fraud and negligence. They allowed for my accounts to Continue to operate with a debit card status to collect more fees on the blocked cards and they also threaten my personal accounts with derogatory negative receipt massages. This has cause personal stresses on my family and defamation of my character. I lost my contractors and employees, I have to start all over. Also my family SUV repossessed due to slow payments, my personal bills are also damaged. I have reported this to the proper channels with in the bank and they tell me they have started a claim and have an ethics investigation going. They keep giving me the run around and twisting the truth. I had to go to a branch outside of my city to get some truth of this matter. They have restored some fees and also restored my cards, but this is not enough. My personal, family and business life, taxes, employees, all, has been hurt by this industrial espionage. Help me please!?
Consumer complaint received 2022-10-24
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. (FL)

Back in XX/XX/XXXX I was going to apply for a vehicle and I looked at my credit report. there were many items on there that doesn't belong to me including addresses. 
I wrote to XXXX, XXXX and Experian. I made them aware of the fraud and inaccurate accounts. I haven't received a response as of yet this is a critical situation. 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 2 ) Prompt notice of dispute to furnisher of information ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), 15 U.S. Code 1681c2 - Block of information resulting from identity theft 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
I HAVE ATTACHED MY FTC REPORT # XXXX WITH FOLLOWING INFORMATION The following personal information is incorrect. previous addresses- XXXX XXXX XXXX XXXX XXXX FL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX, XXXX XXXX XXXX XXXX XXXX NY XXXXXXXX XXXX XXXX NY XXXX THE FOLLOWING INQUIRIES IS FRAUDULENT - XXXX XXXX, XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XX/XX/XXXX THE FOLLOWING ACCOUNTS ARE FRAUDULENT XXXX XXXX XXXX - ACCT XXXX XXXX XXXX XXXX - ACCT # XXXX XXXX XXXX XXXXACCT # XXXX XXXX XXXX ACCT # XXXX PLEASE ADVISE IM ATTACHING MY STATE ID WITH MY SSN CARD AND PROOF OF ADDRESS, MY LETTERS TO THE AGENCIES WITH THE FTC REPORT AND I WILL ALSO MAIL ALL OF THEY ABOVE PRIORITY TOMORROW ... .SO THEY CANT SAY THEY DONT HAVE IT OR CANT IDENTIFY ME THANK YOU.
Consumer complaint received 2018-10-26
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (NV)

I opened a business checking account on the XXXX and on Monday XXXX XXXX, I wasn't able to log in, called a representative and never heard back from them. Saying the account is getting reviewed. I want to get my money back fast. Since I'm still unable to use the account online.
Consumer complaint received 2022-10-24
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (AZ)

On XX/XX/XXXX I placed an order of several white dresses for my XXXX birthday white out party and paid a {$10.00} 2 day delivery fee. I did not receive the dresses till Sunday XX/XX/XXXX and requested a refund for my {$10.00} and Macy 's declined to provide me a refund. 
Additionally, a dress for {$39.00} was never received. I returned all the dresses that were ordered since I bought a new one on Saturday from another store. After returning the dresses and waiting for the XXXX statement, I was able to reconcile the purchases/returns. I called today XXXX and Macys customer service will not return my {$10.00} shipping fee or the {$39.00} dress that I never received. She stated that I have 30 days to file a complaint. In accordance with XXXX XXXX dispute time frames I have 60 days to file a dispute with my credit card company.
Consumer complaint received 2022-07-26
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: EQUIFAX, INC. (WA)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter to help establish a legal recourse. The last one being sent to Equifax on XX/XX/2022 with complete attachments of my personal information including the Police Report. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law. Please remove/block the following accounts as they are fraudulent & were opened without my consent or knowledge.. 

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 2022-08-03
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: LEXISNEXIS (FL)

I received letter in mail from Lexis Nexis with a case number and consumer number. The report said they were going to report me to the FBI in Washington DC I was very concerned and called them It took me 35 minutes on hold with them while they transferred me to 3 different people. Then they disconnected me Then I called again and held on for 15 minutes..Then then told me there systems were updating and could not tell me. They told me to call them later in the day they would not call me..This is a threat against me and caused me stress and concern and I cant get any answers.. 
This should be a crime ....
Consumer complaint received 2022-07-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/2022, I found XXXX ATM transaction of {$100.00} and XXXX ATM transactions of {$200.00} for a total of {$900.00} unauthorized. 

The next day I called the Chase Claim department about those unauthorized transactions. A claim specialist asked me about the situation and I said that I went to a branch of chase withdrawing {$100.00} in cash, but later found another {$900.00} cash withdrawal immediately followed which I don't recognize. Then he asked me if I have my debit card and I said yes. 
He filed a claim and asked me to wait for the result. 

On the next day, an update mail was sent and they decided that transactions were authorized correctly and they will remove the temporary quick repay of {$900.00}. 
The claim department insisted that the XXXX transactions were made immediately after my withdrawal of {$100.00} in intervals of XXXX minute and I have my debit card. Since ATM needs a debit card to be in the reader during the session, it is not possible that someone else could do that. 

However, I scanned my debit card instead of inserting it into the ATM and I put it back wallet after ATM scanned my card. After the screen asks if I need a receipt, there should be another question asking if there is more business. I just walked away after selecting no receipt and that's the timing when those transactions were happening. 
I suspect a male next to me waiting in line who fastly approached the same ATM at that time was withdrawing my money and asked them to investigate XXXX at that time. Then they said that the claim has been closed and if I want to reopen I have to collect convincing documents showing that those withdrawals were not done by me. The specialist suggested me to cooperate with the branch and mail physical documents to them. 

I do not have a receipt at that time since I touched " No receipt '' and all the evidence I could ever have is a XXXX record. I went to the branch and the manager told me they don't have access to the XXXX. I called again to claim department but they said that only after I collect and submit enough evidence they can reopen. 

Now the only documents I have are the transaction records. I hope they can reopen my claim and investigate XXXX record and refund my stolen {$900.00} back.
Consumer complaint received 2022-07-26
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: EQUIFAX, INC. (MD)

I submitted a complaint last XX/XX/2022 to delete : XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$440.00} ; XXXX XXXX  Bankruptcy Reference # : XXXX Liability : {$0.00}, which were UNKNOWN to me. I came across with this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to delete these items not later than 4 business days after the XX/XX/2022 letter. Ive already included this in my previous Complaint # XXXX ; XXXX ; XXXX and I am including these items again.
Consumer complaint received 2022-08-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BMW Financial Services NA, LLC (TX)

As a federally protected Consumer, the consumer comes now to dispute any alleged claims you currently are reporting as a consumer debt on the consumers credit report.

The Consumer is requesting validation from you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ). 
FURTHERMORE, the above consumer DEMANDS the following below : Account Name : XXXX  Account Number : XXXX
Consumer complaint received 2018-10-26
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO. (MD)

JPMorgan Chase is no longer my mortgage company, but they didnt honor their modification before they sold my loan. Therefore, I was left paying on a mortgage loan that began much higher. 

Chase didnt honor the modification contract for the 8-40 years. I never received the {$1000.00} mortgage payment that was due according to the final modification. The mortgage increased to {$1300.00}, which was outside of the contract, sparking me to request another modification, which was granted. 

I would not have requested another modification if the first one was  honored. Chase sold the loan to XXXX, which has increased my mortgage further.