davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-11
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (GA)

My debit card was charged {$1000.00} by XXXX its a pool company by someone fraudulently using my debit card in XXXX, I contacted my bank, CHASE, as soon as I became aware of the transaction, they issued a temporary credit and began their investigation, What they found was evidence that my card was used and product was delivered to my address, If thats true, I never authorized payment of any type to XXXX pool company and I never received any products from XXXX pool company ... but some how my bank has left me responsible for this, I never misplaced my card or my checkbook, and I have no way of fighting the charges, my bank closed the investigation, and I have a charge of {$1000.00} is there anything I can do?
Consumer complaint received 2020-08-11
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. (OH)

XXXX XXXX XXXX, XXXX, and XXXX tried calling and got the run around XXXX XXXXXXXX XXXX XXXX XXXX no answer I dont use XXXX XXXX You check credit XXXX I don't know who this company XXXX XXXX don't have no knowledge XXXX XXXX I don't have knowledge
Consumer complaint received 2020-08-11
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: CBC Companies, Inc. (OH)

XXXX XXXX i tried calling. I dont use XXXX  XXXX  at all. 
I see and inquiry that I didn't do and would like it removed thanks
Consumer complaint received 2022-06-09
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: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX and XXXX have violated my rights. 


15 U S C 1681 section 602 A. States I have the right to privacy 15 U S C 1681 section 604 A Section 2. Also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2020-08-11
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Advertising — Confusing or misleading advertising about the card
Company: U.S. BANCORP (VA)

I received a usbank reliacard unsolicited through the us mail. They didn't even have my name correct on the card. I do not appreciate the offer and I consider it harassment and I feel that it opens the door to fraud and identity theft. I have no desire to do business with us bank and I want them to cease and desist with this harassment.
Consumer complaint received 2021-07-10
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: CITIBANK, N.A. (CA)

I applied for credit with Citibank 'Citi Custom Cash Mastercard XXXX and was denied credit for reasons that do not apply to my profile : -Too many recent credit inquiries -Filed Bankruptcy -Previous/Existing account has history of late payments -Credit privileges on existing account ( s ), currently restricted I do not ( or ever ) had this kind of reporting on my credit. Nor have I ever had business w/Citibank ( current/past ). I actually applied and was invited via my XXXX  membership ( as a 98 % approval match for credit ). 

To advise : I have Fraud Alerts on all 3 credit agencies. 

Now have a 'hard inquiry ' for ( 3 years ) because of this decline and want to know how to remove this hard inquiry from my credit report for this discriminating and false information.
Consumer complaint received 2022-01-04
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: Fidelity National Information Services, Inc. (FNIS) (GA)

Went to XXXX  XXXX XXXX to open checking account ( s ) in 2017. I requested to open 2 checking accounts for 2 different types of employment. Instead of explaining to me that I could or couldn't open 2 checking accounts, personnel in the branch groped my personal information from me and brought back to me a checking and savings account. After leaving and performing 2 or 3 test transactions to the accounts, I learned it wasn't 2 checking accounts that were opened. XXXX XXXX XXXX stole my personal info and over 5 months later behind my back reported me to chexsystems that I had committed fraud. Chexsystems then sided with the fraudulent bank branch and put my name in chexsystems for " suspected fraud '' after I emailed them photos of paperwork from XXXX  XXXX XXXX showing the 2 or 3 test transactions of {$0.00} monetary loss. This kept me from being approved to open a simple bank account with several different banks. There was no fraud in using {$50.00} to simply open 2 separate accounts. This problem has persisted, chexsystems continues to hold my name on file for " suspected fraud '' with no proof or showing of any fraud. This was identity theft by both institutions working to commit a hate crime and use branch power to hide their activity. There is NO evidence of fraud by me.
Consumer complaint received 2020-08-11
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Bankers Auto Acceptance (CA)

On XX/XX/XXXX I called time finance company to settle my account that has been closed since XX/XX/XXXX therefore I spoke to XXXX XXXX a recovery specialist for this company.. my original balance after my car was repossessed was {$4700.00} ... when I spoke to XXXX XXXX from time finance regarding a settlement XXXX XXXX accused me owing more than {$6000.00} from the time of the repossession and  said the lowest I can take is {$4700.00} .... And threaten me in a unprofessional manner and by Mentioning to sue me and hold a judgment against me if I didnt pay ...
Consumer complaint received 2020-08-11
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. (NV)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$19000.00}, {$12000.00}, {$14000.00}, {$1800.00}, {$2000.00}, {$28000.00}, {$11000.00}, {$0.00}, {$0.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XXXXXXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$19000.00} -This is not my account. 

2. XXXX XXXXXXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$12000.00} -This is not my account. 

3. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$14000.00} -This is not my account. 

4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1800.00} -This is not my account. 

5. XXXXXXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2000.00} -This is not my account. 

6. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$28000.00} -This is not my account. 


-- AUTO ACCOUNTS 7. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$11000.00} -This is not my account. 

8. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

9. XXXX XXXXXXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

-- REAL ESTATE LOAN 10. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Consumer complaint received 2020-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. ()

I have a XXXX collection agency on my credit profile. This account has been released back to the original debtor in XX/XX/2019. Sent information to equifax that this account is now released back to the original debtor. However, until now this has not been updated. It shows that it is still open and unpaid. I have been with equifax almost everyday for the past month trying to fix this information but they still keep passing me around.
Consumer complaint received 2020-08-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (WI)

XXXX XXXX XXXX sent me an email promising 10 % rebate for purchases made at gas stations, restaurants and grocery stores during XXXX, 2020 as long as my purchases were between {$2000.00} and {$2500.00}. I made purchases of XXXX which included two {$420.00} purchases of gift cards at XXXX XXXX XXXX XXXX. Sears claims that these two purchases did not count, because they were made online and not at the restaurants, and that thus I did not reach the minimum {$2000.00} threshhold, so they denied any rebate. But the email offer I received said nothing about online purchases not qualifying. I frequently purchase these gift cards as gifts, etc. and have gotten the rebates before from Sears. The only difference this time was that the purchase was made online and not in the physical restaurant. There was nothing on the offer which excluded online -- it merely said " restaurant purchases '' which was what these were, and they had to be made online because due to Covid-19, the physical restaurants were temporarily closed. I exchanged messages with Sears and called also ( 25 min waits on two occasions ) and was promised a response the last time I called but Sears never returned promised call. Attached offer copy is not the XXXX period, but is substantially identical.
Consumer complaint received 2020-08-11
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: ECMC GROUP, INC. (WI)

I have a loan with ECMC, XXXX XXXX, and XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, ECMC, XXXX XXXX, and XXXX with no successful resolution. There was definitely an error on their part.
Consumer complaint received 2020-08-11
Product: Credit card or prepaid card — General-purpose credit card or charge 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: U.S. BANCORP (KS)

Since XX/XX/2017, I have attempted to dispute fraudulent charges on my credit card with US Bank. In violation of FCBA, they did not conduct a thorough investigation nor provided proof of the investigation or results thereof. Since then, the credit card company has routinely reported the negative information to the credit bureaus, even during subsequent investigation requests, in violation of FDCRA. 

Referencing CFPB complaint XXXX, the credit card company has still to this date refused to provide any documentation of the alleged investigation conducted as a result of the fraudulent charges. 

In addition, the credit card company has since blocked my account access as well as access to all statements of the credit card as a method pf preventing me of conducting my own investigation. I provided documents charges took place in various other states in which I did not visit nor reside, yet this documentation was clearly ignored.
Consumer complaint received 2020-08-11
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. (GA)

My identity has been compromised by a number of sources, but the main reason is the lost of my wallet. This lead to being a victim of the dark web as well as being caught in the Equifax breach. Now the result of all this is unknown and fraudulent accounts appearing and reporting on my credit file. I'm demanding these accounts to be removed immediately. 

1 ) XXXX XXXX  {$110.00} 2 ) XXXX XXXX  {$160.00} 3 ) XXXX XXXX   {$310.00} 4 ) XXXX XXXX {$730.00} 5 ) XXXX XXXX {$60.00} 6 ) XXXX {$1000.00} 7 ) XXXX XXXX XXXX {$300.00} 8 ) XXXX XXXX {$790.00} 9 ) XXXX XXXX {$790.00} 10 ) XXXX XXXX XXXX {$300.00} 11 ) XXXX XXXX XXXX   {$300.00} 12 ) XXXX XXXX {$790.00} 13 ) XXXX XXXX {$500.00} 14 ) XXXX XXXX {$500.00}
Consumer complaint received 2019-09-04
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC. (SC)

On XX/XX/2019 I entered into a legally binding contract with XXXX XXXX to buy another vehicle and pay Ally off in the midst of that contract in the amount of XXXX for their financed vehicle, after XX/XX/2019 any accured charges were the responsibility of that automotive dealers, since there were not recontract of said contract. On XX/XX/2019, Ally attempted to charge my checking account a payment of {$460.00}, of which I stopped since I on XX/XX/2019, paid them off within a legally binding contract with XXXX, and any payments thereafter is the responsibililty of XXXX  to pay said vehicle off. 

On XX/XX/2019 Ally created a check, and sent it to me in the amount of {$310.00} without condition or request. I deposited said check within my checking account, and thereby considered the issue closed, with three days was notified by my bank that said check wasn't honored, now the defense that the payment on the XXXX of XXXX was the reason is without merit, considering as of XX/XX/2019, all issues with shortages were between the dealership and Ally not the consumer, since they had a funded deal with another lender, that vehicle isn't a issue. Additionally Ally is reporting that I have a balance of {$460.00} left on my account, I submit that I have no payments past XX/XX/19 based entirely on a legally binding funded contract with another lender, and that any shortages is to the dealership not the consumer, the payoff quoted on XX/XX/2019, should have been paid as according to the contract, and no additional payments from the consumer is warranted.
Consumer complaint received 2020-08-11
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WESBANCO BANK, INC. (MD)

On XX/XX/XXXX I open a certificate of deposit for {$100000.00} with XXXX XXXX XXXX/WesBanco Bank for 5 years and now the certificate of deposit has matured on XXXX, and on XX/XX/XXXX WesBanco have refused to issue my {$100000.00} back to me along with interest the I have earned of {$9000.00} on this account. According to XXXX XXXX XXXX XXXX her bank do not have XXXX on hand. I have honored my five years a agreement with WesBanco bank but WesBanco have not honored their agreement with me, therefore, I am requesting legal action be taken against WesBanco Bank for fraud. WesBanco Bank is located at XXXX XXXX XXXX XXXX XXXX, MD XXXX.
Consumer complaint received 2020-08-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO. (SC)

My wife and I applied for a Chase Freedom Unlimited card back in XX/XX/2020 after receiving a prescreened offer. After applying for the card, we were denied due to too many recent requests for credit or reviews of your credit. The day that we received the denial letter, I called in and explained to Chase Lending Services ( I believe the person I spoke to was XXXX ) that we had just purchased a brand new 2020 XXXXXXXX XXXX from a local XXXX dealership and we decided to shop for a better interest rate. Please note that our credit score was a XXXX out of XXXX per Chase credit pull and the only negative thing on our report was the recent inquiries. She stated that this was what led us to being denied. I then asked for her to review the file and with her knowing this background information, please reconsider the application. Fortunately she was able to review the application and she was able to get us approved with a $ XXXX credit line. I thought we were good to go. 

XXXX never mentioned to us the interest rate on the card. My assumption was that it would match the rate that we received on the prescreened offer of 14.99 % which would begin 15 months after the account opening as the card has a 0 % introductory rate. To our surprise, the card pricing information stated the rate would be 23.74 % after 0 % for 15 months ends. 

I have attempted to get this corrected by Chase multiple times. Tonight was the last straw as I spoke to three different individuals and was treated very rudely. One even suggested I keep the card for the 15 months and then immediately cancel. No one seems to want to help correct the interest rate issue.
Consumer complaint received 2019-09-04
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (NY)

On XX/XX/2019, after several conversations with Quicken Loans ( the holder of my current mortgage ) in which it was established that they did not a have a mortgage product with terms as good as my local credit union, my wife and I received yet another call from Quicken Loans from XXXX who presented herself as someone in the customer retention department who could review the rates and perhaps lower them to retain us as customers. We mentioned several times that we did not want her to run our credit unless she had a rate that was acceptable. After a lengthy conversation she indicated that ( subject to our credit score ) they would be able to offer a mortgage of {$720000.00} for 30 years at a fixed rate of 3.65 % with no points ( we had been offered the same mortgage at 3.5 % at our local credit union ). We decided that since it was such a small difference and we were already customers of Quicken Loans, we would allow her to run our credit and begin the process ( our credit scores were both above 800 ). She ran our credit within a half hour of that call and called us the next day to explain that because it as a " Jumbo '' mortgage, the best they could offer was 4.85 %. In other words, they never had a mortgage to offer us at the rate they indicated and they ran our credit under false pretenses ( everyone in the mortgage business should be aware that a mortgage above {$480000.00} is by definition a jumbo mortgage ). We requested that they remove the " inquiries '' from our respective credit bureaus, as they had not been honest. The next day we received a call from XXXX XXXX ( Sr resolution analyst ) and we explained the entire situation to her and she agreed to review the recordings and get back to us. She called on XX/XX/2019 and said that they would not be removing the inquiries from our credit bureau, as she heard us both authorize the inquiry on the recording. 
We authorized Quicken Loans to run our credit under the false pretense that they had the mortgage product we discussed at length to offer us ( subject to a credit score above 740 and obviously the property appraisal and the rest of the long list of requirements for a 30 year fixed rate mortgage ). This inquiry ( as all credit inquiries ) had the effect of lowering our credit score. In our particular case, there were no consequences as we have already been approved for the mortgage at our local credit union ( and they just lowered their rate to 3.375 % ). Had this been done to someone whose credit score was only marginal, it would cost them thousands of dollars in interest or perhaps prevented them from obtaining a mortgage from anyone other than Quicken Loans. 
I hope this practice is illegal, because it is most certainly unethical. My wife and I look forward to your reply.
Consumer complaint received 2021-10-02
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: AMERICAN HONDA FINANCE CORP (NJ)

There are accounts on my report that do not belong to me. The first one is from XXXX XXXX XXXX with the account number XXXX. The second one is AM HONDA FIN with the account number XXXX. Third is XXXX with the XXXX account number.
Consumer complaint received 2020-08-11
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. (OH)

Please provide verification and method of verification of late payments and this information is inaccurate. Please provide validation of debt as well. 

XXXX XXXX # XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX # XXXX XXXX XXXX # XXXX
Consumer complaint received 2020-08-11
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: SYNCHRONY FINANCIAL (SD)

XXXX has XXXX XXXX XXXX  on my credit report again even though I have never had an account with XXXX XXXX XXXX. I have contacted that bank and they have verified that no such account has ever existed. They do not know how to remove the info so they just tell me to dispute it but XXXX has decided to replace it back on my credit report even though it is NOT mine. I had one secured account with XXXXXXXX XXXX and that is all. Also my name is not " XXXX ''. It is listed in the aliases. I do not and have not ever spelled my name that way. Anything associated with it is fraud. I know how to spell my own last name, I've was born with my last name and " XXXX '' is not it. Also, synchrony bank does not reflect the correct balance the balance has not been correct since they acquired the account and even though I have sent payment with the balance incorrect, they have been casing the payments and not posted one payment that I have made. Someone should to investigate and find out what they are doing with my payments and correct the balance to reflect what it was when it was with XXXX before they acquired the account from. XXXX and find out why the balance skyrocketed.