davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-11
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. (NC)

On XX/XX/XXXX, my wallet was stolen and unauthorized purchases were made through my best buy credit card. Somehow, the purchases were made through merchants other than best buy ( e.g., wayfair, apple store credits, and so on ). I only received a notification via text about a purchase after the credit card was maxed out, which was how I noticed my wallet was missing/stolen. I called fraud services and they told me they'd " dispute '' the charges, but I come to find out about a month later that they just gave me promotional credit that would eventually expire. Furthermore, without my knowledge, my credit limit was raised by XXXX dollars, so the thief was able to get a lot more out of my card than I can pay for. What's more is I only have access to the purchases I made through the best buy app ( since I thought my best buy credit card could only be used for best buy ), so I can't even see the charges that were made that are making my balance so high without calling " security '' services, who I had also called and told me the charges would be removed ( which weren't ). What infuriates me even more is that, today ( XX/XX/2022 ), I got a letter telling me I'm responsible for a charge because the address matched, evdn though it didn't ; because the email and billing name matched, even though the purchase was made by a name that was not on my card and it was done online, and it was sent to my neighbor 's address ( since my wallet was stolen from my car when I arrived at my house ) through a device nobody in my house even owns. I called best buy credit card fraud services and they tell that another fraudulent charge will be held against me ( and twoore are pending but clearly the result will be the same ). My balance before the theft was about XXXX, now it's about XXXX, and neither best buy nor citibank have done anything to help.
Consumer complaint received 2022-06-09
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. (OK)

In XX/XX/XXXX my husband and I both had fraud charges on our account. I called in talked to young woman about these charges. She supposedly ordered m a new debit card which never received and she also left my husband 's debit card. The bank never sent us new cards. The young woman hung up on me. In XXXX we had unauthorized charges from XXXX XXXX. I contacted the company they refunded our money. So I thought everything was fine. No more charges like XXXX of them with no letting me know that they were happening. Chase bank has fraud alert that XXXX I found out about the beginning charges. We had received our tax refund and some money from selling a house so the money kept coming out without getting to a low balance notice on XX/XX/XXXX. Finally a notice from the bank. We were waiting for our cards they to us they mailed never received cards. So for 6 months we have had just one debit between the two of us. They have denied all the XXXX XXXX charges because it was the same card from XXXX in which were the charges I told them about. The bank never disputed this charges until XX/XX/XXXX. The problem since the bank never sent me a card and never issued a new one in his name. How can a bank deny unauthorized charges because it was the same debit card when the bank failed to issue a new card when I reported unauthorized charges. The bank policy is to issue a new card.
Consumer complaint received 2022-09-28
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. (MA)

XXXX has now reported to XXXX and Equifax fraudulent late payments violating the FCRA. I returned my lease on XX/XX/XXXX and they recorded I was late on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX payments when I have called and confirmed with XXXX that my lease obligations were fulfilled in full when I turned in my car. As I said, both bureaus now show these fraudulent payments and also are missing many on time payments. They have not responded to my disputes and cleared these payments and have wanton disregard for accurately reporting payments as required by the FCRA. These are clear violations of the FCRA and I demand they be removed immediately. 

I have attached your own statement showing that I was not late in XXXX, XXXX, or XXXX and the reports from XXXX and Equifax showing you reporting that I was late in those months as well as your response to my dispute showing I was late in those months.
Consumer complaint received 2020-01-18
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: M&T BANK CORPORATION (VA)

In XXXX 2019, in order to change the direct debit account from which a loan/line of credit at M & T Bank ( XXXX, VA branch ) is drawn, I submitted in person to the branch personnel a completed form providing personal information, and account information for both the M & T line of credit and the account at XXXX XXXX from which the withdrawals were to occur. In XXXX, when no withdrawals occurred, I asked M & T via phone if the paperwork had been processed and was informed the bank would " check on it. '' In XXXX, when nothing still had been effected, I was informed the forms were " lost. '' I asked for an explanation and received the following written explanation : " I have not been able to get a definitive answer as to where the ACH revocation and authorization were routed. Let me explain about how we were routing inter-office mail at the time you submitted your request. We used to physically seal everything within locked bags, at the end of business on the day, those bags are picked up and physically dropped at our internal processing center located in XXXX, from there, they are routed internally to the departments as listed on the envelopes. To my knowledge, at no point are the contents within the bags not handled by M & T employees, unless it is for out-bound for U.S. mail. Most likely, the documents were shredded, meaning I would not be able to get the exact location as a result. '' I remain concerned that the bank has no idea what happened to this personal information which included both personal and account information and it concerns me that the bank has no apparent controls to maintain and track sensitive records. I would assume the bank has an obligation to accurately maintain confidentiality and possession of confidential personal information and am extremely concerned that it lacks adequate controls and may easily lose and/or personal information as a result.
Consumer complaint received 2022-08-01
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. (GA)

i have inquiries on my report i didn't authorize and i have sent in my police report showing my identity been compromise. and they won't remove them. XXXXXXXX XXXXXXXX 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 XXXX
Consumer complaint received 2023-01-25
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. (UT)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : 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 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
Consumer complaint received 2022-08-01
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: Capio Partners, LLC (FL)

I have tried to dispute this account multiple times. This is not my account. In accordance with the Fair Credit Reporting act ASSETCARE LLC has violated my rights. This account was opened XX/XX/2021 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 : It also states a consumer reporting agency can not furnish an account without my written instructions I have never received a validation letter. Could you please investigate this account properly?
Consumer complaint received 2022-12-11
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: AES/PHEAA (OH)

15 USC 1681 SECTION 602 STATES I HAVE THE RIGHT TO PRIVACY.

15 USC 1681 SECTION 604 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS OR PERMISSION.

15 USC 1666B : A CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT CARD ACCOUNT UNDER AN OPEN END CONSUMER CREDIT PLAN AS LATE FOR PURPOSE.
Consumer complaint received 2022-08-01
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. (IL)

This is hurting my credit score which is very important to me. I know you will understand me in this situation this is becoming a frustration to me. I don't know what's happening to my credit report and I don't how you guys come up to this conclusion and report it on my credit report. This is very stressful for me because I always pay on time. Under 15 USC 1666b this billing error must be corrected because I always pay on time this is clearly a discrepancy on this account which clearly violates the 15 USC 1666 ( b ). Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated in the law. 

XXXX XXXX XXXX  # XXXX 30 days late on XX/XX/2019, and XX/XX/2019. 

I, therefore submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time. Hoping that I could get some favorable news after this investigation.
Consumer complaint received 2022-08-01
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: KEYCORP (OH)

My Key Bank Mastercard number was stolen by a XXXX sponsored XXXX user. His card was used to purchase {$1900.00} of electronically delivered XXXX  games. A fraud claim was filed with Key Bank and the card was cancelled. A police report was filed with the XXXX XXXX Police Department and the XXXX CA police department. 
XXXX provided extensive research to Key Bank identifying the thief by providing his gamer tag, console ID, IP address and billing address in XXXX California. 


Key Bank advertises XXXX XXXX XXXX XXXX for their Mastercard. Our situation proves this advertisement to be false. 


Despite the evidence from XXXX and our fraudulent claim, the bank paid the FRAUDULENT charges and CLOSED our claim. We were notified of the decision by mail WEEKS later. I am unsure how or why someone at Key Bank has the authority to spend their clients money, but it is exactly what happened. Key Bank advised they would not re-open, re-evaluate or re-open another claim to assist in a refund. We were advised to work with XXXX. 


Our efforts with XXXX, a multibillion dollar company, have fallen on deaf ears. Multiple hours of aggravation have resulted in no refund. XXXX isnt concerned with customer protection. They have confirmed the charges are fraudulent. They have visibility to the thiefs profile and wont take simple action to shut down the thiefs game utilization. I used the search engine XXXX to view the thiefs profile and activity ( which was paid for by my son and many other users ). The thiefs account was made within a four month period and was able to buy XXXX games with added packs and in game credits. 


XXXX encourages and rewards this behavior knowing it is a federal offense. Clearly XXXX accepts this behavior and does not penalize the thief or hold them accountable for fraud with XXXX. Who knows, maybe its a XXXX employee who has access to the profiles and sells the information. 


I would not encourage any XXXX or XXXX account holder to enter a credit card number into their profile as XXXX places you at risk and sponsors this type of behavior by their lack of resolution action. I advise to purchase pre-paid cards for any online gaming purchases to be safe. 
I was advised by the XXXX XXXX Police Department that we lost our leverage by paying the Key Bank XXXX. 
The police department advised I should not have paid the credit card and let Key Bank sue us for the fraudulent charges. 


I am left with zero resolve and am out {$1900.00} due to poor customer service and praising criminal behaviors.
Consumer complaint received 2022-12-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY (SC)

I was contact on my phone by company saying they are XXXX XXXX and told my power will be shut off. They asked for XXXX transfer to pay it immediately and although Wells Fargo bank knows it was fraud they are still not reimbursing me. Im out at least XXXX dollars. My power bill has not been paid and is due to be shut off.
Consumer complaint received 2023-01-25
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (VA)

XXXX XX/XX/2017 I tried to apply for a mortgage with Wells Fargo. Did the application process. The mortgage consultant did not take me seriously. He took weeks to respond, did not answer phone calls or emails, did not keep meeting appointments to discuss application. Complaints made to the manager of the branch. I believe it was due to XXXX. Branch manager spoke to him, he called with 2 days afterwards but I was denied. I was able to get a mortgage through my home builder.
Consumer complaint received 2022-09-28
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc (GA)

I had accounts with chime they closed my account on XX/XX/2022 for know reason they did not get in touch with me at all until I got in touch with them I have been email them and all about my account and they still not give me not the right answer.I don't have any money they took all my money
Consumer complaint received 2022-08-01
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (CA)

I am in the process of applying for mortgage assistance through the XXXX XXXX XXXX XXXX. I am working with a community organization, The XXXX XXXX XXXX XXXX XXXX XXXX, who is currently been awarded a grant to help non-English speaking homeowners, with the application submission and review process. I am eligible per the program requirements but am having an issue during the review processXXXX XXXX review team has submitted a request for an official mortgage balance statement to Mr. Cooper, my mortgage servicer. However, Mr. Cooper has not cooperating and the review process is currently at a limbo. I have made several attempts to contact Mr. Cooper directly, and they have not been cooperating. XXXX has told me that they can not reach out to the loan servicer directly. My case number with XXXX is XXXX. My loan number with Mr. Cooper is XXXX. Please help. Thank you.
Consumer complaint received 2022-09-28
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: BARCLAYS BANK DELAWARE (NY)

Noticed a hard inquiry first from a XXXXXXXX XXXX, and within one month, another hard inquiry from XXXX XXXX XXXX, and just yesterday, another hard inquiry from Barclays bank
Consumer complaint received 2022-12-10
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CarMax, Inc. (IL)

My vehicle was stolen at the end of XX/XX/2022, as a result of this it was abandoned and totaled. Ive gotten a police report for auto theft, I had full coverage insurance plus XXXX insurance. Ive notified the lender ( Carmax Auto Finance ) no one helped me and my claims were denied leaving me with debt I can not afford as well as no transportation. XXXX insurance did an appraisal via email/pictures. No one physically came out to inspect my vehicle. Ive gotten a separate appraisal stating it was total as well as XXXX separate repair shops stating my car was totaled. My insurance company did want to accommodate me and Carmax told me it wasnt totaled without seeing my vehicle as well
Consumer complaint received 2022-08-01
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. (MD)

I sent a letter off XX/XX/2022, I told the credit bureaus to investigate every piece of information the accounts I have listed below. Also, I have attached a copy of the letter I sent out, and here is the tracking information through XXXX : XXXX : XXXX Equifax : XXXX XXXX : XXXX According to Fair Credit Reporting Act, the term Investigate Consumer Report means a consumer report, or portion thereof, in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews, friends, or associates of the consumer reported on, or with others with whom he is acquainted or may have knowledge concerning any such items of information. They stated my account was verified, but how is that possible if they did not do a proper investigation according to the law? Also, every piece of information on these accounts are still not reporting 100 % accurate. Also, according to 15 USC 1681, everything has to be 100 % accurate. 

These are clear violations of my federally protected rights. 

Accounts Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX Account Name : XXXX Account Name : XXXX Account Name : XXXX XXXX XXXX Also, I have some personal information that needs to be addressed as well. Can you please in-vestigate and remove these names as well? It should only be as listed at the top of this letter. 
Wrong Names : XXXX XXXX Wrong Addresses : 1 ) XXXX XXXX XXXX XXXX XXXX, MD XXXX 2 ) XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, MD XXXX 3 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX 4 ) XXXX XXXX XXXX XXXX, MD XXXX 5 ) XXXX XXXX XXXX XXXX, MD XXXX 6 ) XXXX XXXX XXXX XXXX XXXX, MD XXXX 7 ) XXXX XXXX XXXX XXXX, MD XXXX 8 ) XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX Wrong Employers : 1 ) XXXXXXXX XXXX 2 ) XXXX XXXX
Consumer complaint received 2022-08-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BARCLAYS BANK DELAWARE (NY)

On XX/XX/2022, a female in the Fraud Dept, told me she would not close my account, per my request. She stated that I had to submit a tax form if I wanted to close my account. She refused to state why her department needed the tax form and why I couldnt close my account. 
The following day, on XX/XX/2022, I was told the same thing by a male representative in the same department. 
When I filed my initial CFPD complaints, XXXX from the Presidents office stated that I could have closed my account anytime, and what I was stating the Fraud Dept told me is not true. 
If the Fraud Dept. closed my account when I originally asked, the CFPD complaints would not have been made.
Consumer complaint received 2022-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (OH)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681 XXXX Account Number : XXXX You can not report a late payment or a past due on a collection account this is a violation. Of the FCRA 2. under the Fair Debt Collection Practices Act this disputed item may not appear on my credit report if it can not be supported by any evidence.15 USC 1692 ( g XXXX XXXXXXXX Account Number : XXXX This is a charge off account and the balance should be {$0.00} and why is it showing {$970.00} on my credit report that is seriously damaging my credit scores PPlease delete this inaccurate information form my credit report 3. under the Fair Debt Collection Practices Act this disputed item may not appear on my credit report if it can not be supported by any evidence.15 USC 1692 ( g XXXX Account Number : XXXX This is a charge off account and the balance should be {$0.00} and why is it showing {$1400.00} on my credit report that is seriously damaging my credit scores PPlease delete this inaccurate information form my credit report 4. Under 15 US Code 1692j this agency and debt collector is in violation. I demand cease and desist under 15 usc 1692c immediately XXXXXXXX XXXX Account Number : XXXX You can not report a late payment or a past due on a collection account this is a violation. Of the FCRA