davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-08
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: CITIBANK, N.A. (NC)

Consumer Financial Protection Bureau XXXX # XXXX Please see prior case number. Citi agreed that the charges are fraud but never reimbursed me. 
I have been charged three times and reimbursed either once or twice ( two transaction numbers but both for XX/XX/23 on different statements. 

Charged {$2000.00} on XX/XX/23 Charged {$2000.00} on XX/XX/23 Reimbursed {$2000.00} on XX/XX/23 ( XXXX - XXXX statement reference ID ) Charged {$2000.00} on XX/XX/23 It is possible that I was reimbursed twice on XX/XX/23 as I have a line on my XXXX statement and my XXXX statement with different transaction IDs ( XXXX is the reference for XXXX ). However, I can not get a view where I can see both together so it may be a duplicate. Regardless, I am still waiting for at least one reimbursement.
Consumer complaint received 2023-08-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CITIBANK, N.A. (FL)

I attempted to accept a balance transfer offered by Citibank " 0 % for 21 months ''. The first time in XX/XX/2023 with a bad address for the bank holding my balance. Then again in XX/XX/2023 My bank didn't receive the payment check until after 30 days ( expired ). In XX/XX/2023 The attempt was Cancelled on XX/XX/2023 by Citi, reason not given. Upon receiving that notification, I utilized the offer extended to me by XXXXXXXX XXXX with " 0 % for 12 months ''. The balance transfer to XXXXXXXX XXXX was completed on XX/XX/2023. On XX/XX/2023 Citi did a balance transfer on that same account {$5000.00}. They had No authority to do so since They cancelled on XX/XX/2023. After several calls to both institutions my XXXX XXXXXXXX XXXX XXXX. I transferred the over-payment on my bankcard to my checking account and paid {$4700.00}. I decided to ease my debt burden by allowing myself time to repair over time at 0 %. None of this is fair. I can not understand how it is legal. I feel as though I was mugged in broad daylight and left to pay my assailant.
Consumer complaint received 2023-08-08
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (FL)

I bought a Vanilla gift card XX/XX/XXXX at around XXXX XXXX  from circle k. I tried to activate it and i couldnt. I contacted the company and waited on hold for 20 minutes, they activated it right away. the following day i attempted to use the card. I couldnt. I then tried to use it at a different merchant and then in person. The card was declined. I did this several times to make sure it was the merchant and then yesterday XX/XX/XXXX I called the company. I waited on hold for an hour and was told it was locked for suspicious activity. The man ask me to verify my attempted transaction. i did. he then said they needed to open an investigation. it would take 10 bussiness days and i needed to send the reciept, a form of proof of residency and a copy of my id. I told him no, I am not doing that, let me speak to a supervisor. He then out me hold where no one ever came. at about 2 hours on hold I hung up. I then called again this morning XX/XX/XXXX and spoke to a rep, went through the same thing and finally got a supervisor. i listed every single merchant I attempted to use but one i couldnt remember. she then told me the same thing. This is not the first time and i have spent over 4 hours dealing with this, being embarressed and upset. I only put XXXX dallors on this card and regerstered it online. This is rediculous!
Consumer complaint received 2023-08-08
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: Chime Financial Inc (IL)

In XXXX I made a purchase on XXXX. After hearing nothing regarding that order, in XXXX I contacted them asking for a refund and to cancel that order. They offered a gift card instead. I wanted to give them a second chance so I took the gift card. After months of zero communication regarding the order I contacted them again. Several times. When they finally responded a month later they stated they would offer me a refund via gift card. This was not satisfactory for me. I stated after months of zero communication and zero orders fulfilled I would not be shipping again and wanted a refund via my original payment method. The company stopped responding. I now filed a dispute with my bank, Chime. Chime denied my dispute and after asking for a reason why, they never responded. I filed a complaint with the XXXX. XXXX  emailed me saying after weeks of trying to contact XXXX they could not get a response. I just want my money back for an order I never received. I will never be shipping with this company again. They stole my money and I never got any goods or service from them. Chime denied me without giving me a reason. I have tried and tried to get in contact with someone and can not. I am beyond frustrated. For clarification purposes my order number was XXXX XXXX for {$200.00}.
Consumer complaint received 2022-01-05
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: FinCo Services Inc DBA Current (OR)

I banked with current ( XXXX bank ) for about a little more then a year, used the account for everyday purchases and savings. On XXXX XXXX XXXX, I received 1 of 2 deposits from XXXX XXXX ( a emergency rental assistance program ) for approx {$14000.00} and one before that on XX/XX/XXXX for approx {$7500.00}. I waited months for this deposit and was finally able to pay my tenants rental debt off with the grant of emergency rental funds OR so i Thought. Because on XX/XX/XXXX, I get a message stating that current decided to close my account with absolutely no reason attached to this email, just a email stating they would close my account. I reached out to them regarding my 15,000 $ I had left in my available funds and have yet to receive any reply back. Its now XX/XX/XXXX and they refuse to answer any emails of mine, THEY BLOCKED MY PHONE NUMBER FROM CALLING THEM, they refuse to call me back and give me any feedback as to whats going on. They literally stole my money and are collecting interest as we speak. This is ridiculous and this is bank Fraud on their part. PLEASE HELP this is all the money I had to my name
Consumer complaint received 2023-08-08
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. (CA)

Equifax allowed several inquiries on my report that were not authorized as required by Federal Law. Equifax aware they mixed my name and social security number with another person and refuse to fix the accounts mixed and inquires. By law any unauthorized inquiries and fraudulent accounts will need to be removed from my credit report immediately.
Consumer complaint received 2023-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

This complaint is to inform you the accounts listed on my credit report are from unauthorized use of my social security number and card. I assert I did not authorize the aforementioned accounts to be opened in my name or likeness and have not benefited from such fraudulent accounts. 

If you assume or allege, I have received services, goods, or monies, please have a senior executive certify under the penalty of perjury, I have obtained possession. All is being investigated by the FTC
Consumer complaint received 2023-08-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (TX)

On XX/XX/2023 I deposited a check for XXXX and the check came from the treasury which was issued by thrift savings plan slssh XXXX it was from my dad he passed away last year and my XXXX brothers got the same check. When I deposited it into the chase atm it said had a ten day hold so on XX/XX/XXXX i called chase Bank because I had received a letter in the mail telling me chase wax suspending mu account due to fraudulent and suspicious activity chase Bank informed that they believe my check had been chemically washed and that I had typed my name in and so they wanted proof that the check was really mine and so I called tsp and the treasury department and they both told me that Chase could verify it in their system.so Monday XX/XX/2023 I called chase back and they told me that they had to talk to the treasury dept themselves and we'll I called the treasury department and they informed me that the check had already been cashed but chase admitted to cashing check still would not give the funds to me. So on XX/XX/XXXX I went back up to chase Bank and they finally copied the check stub from the check from the treasury department and I was told it was verified in their system but they still was saying they believed the checked to be fake even though they cashed it and told me they could hold money up to two years unless the treasury department issued a recall on the check which make chase send the funds to treasury dept and the last person I talk yo I said my XXXX brother didn't have any problem cashing their check with their bank.
Consumer complaint received 2016-07-27
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Lending Club Corp (TX)

I was told, that after 1 yr. I was going to be able to lower my interested rate on debt consolidation loan. But, it turns out, that I have to reapply & pay another lending club processing fee. The rate is ridiculously high compare to current rates. I only took this loan in desperation. 
XXXX ),
Consumer complaint received 2023-08-08
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Credit Karma (CA)

I have tried unsuccessfully to submit disputes on the Credit Karma website. I have emails to them and from them acknowledging the issue and they promised me that I would receive the guarantee within 60 days of XX/XX/2023 but this has not happened. Subsequent emails to them about the status of the same, I have been unsuccessful. They replied, saying they did not receive my message, but I have an email from them saying they received my message. They close the case without delivering the product that was guaranteed to be delivered. Now I cant submit a dispute because their website has too many technical glitches that prevent submission.
Consumer complaint received 2023-08-08
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. (NY)

I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.XXXX  XXXX
Consumer complaint received 2023-08-08
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. (SC)

SUPORTING DOCUMENTATION THAT THIS COMPANY HAS VIOLATED MY RIGHTS AND CONSUMER. YOU ARE IN VIOLATION OF TRUTH AND LENDING ACT 15 USC 1601 AND AGGRAVATED IDENTITY THEFT 18 USC 1028 A.
Consumer complaint received 2023-08-08
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. (NJ)

I've found that my credit report has erroneous information including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the XXXX credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : 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 2022-01-05
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)

To whom it may concern, Equifax, is hurting my credit report and credit score by reporting false and inaccurate information. I've asked to them verify an account that isn't mine and it crippling my credit. 

I asked for a copy of the reinvestigation and they never provided this information. Instead they confirmed that the account belongs to me without providing proof and steps of how they verified the account to be mine. 

My rights are being violated under the following federal credit laws : 1. ) 15 USC 1681i ( a ) ( 6 ) ( B ) ( iii ) Notice of Results of Reinvestigation 2. ) 15 USC 1692 ( g ) ( a ) Validation of debts.

3. ) 15 USC 1681i ( a ) ( 5 ) ( A ) ( 1 ) Treatment of Inaccurate or Unverifiable Information 4. ) 15 USC 1681e ( b ) Accuracy of Report
Consumer complaint received 2023-08-08
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: GOLDMAN SACHS BANK USA (IL)

Marcus Bank is commiting fraud. 

Despite storing a down payment on a home for several months earning their acclaimed high interest rates, when it came time to purchase a home they took 2 business days of persistent phone calls to ultimately reject the wire transfer without a reason citing policy of " case by case '' as justification. 

Money that was deposited to the bank, money that was marked available for several months, was inaccessible at a critical time of need. The phone operators were unable to help because the structure of the company prohibited them from understanding the rejection, prohibited them from contacting the right person, and ultimately made each person who I can talk to repeat the same line of being unable to help get the money I left with the bank. 

Marcus Bank is commiting fraud.
Consumer complaint received 2023-08-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (OH)

On XX/XX/2023 I noticed there were unauthorized transaction reversals on my checking account. I was a victim of identity theft, and this person stole my online banking, username and password, and was able to access my account. While they were accessing my account, they were disputing transactions, and when the bank gave provisional credit, they transferred the provisional credit out on an XXXX XXXX card, they also try to contact the bank and impersonate me to get my banking information. The fraudster disputed and reversed over XXXX transactions going back to XX/XX/2023. They reversed car payments, payment to my sons school and even tried to reverse my mortgage payment. I contacted Chase Bank on XX/XX/XXXX when I saw the transactions. Chase bank changed my online banking username and password. However the fraudster had changed my online banking alerts to go to their Android and they knew that I changed my online banking information. On XX/XX/2023 I noticed more transactions being reversed and contacted Chase again. And at that point they closed my debit card but never put any restrictions on my account so the foster was able to still transfer out money when provisional credit was given for the disputes. Then on XX/XX/2023 another transaction was reversed, and I once again called and the call center at Chase Bank, and at that point, I was finally told to go into the branch and the branch can close my account. By that time the fraudster had stolen almost {$12000.00} from my checking account. At no time did chase report suspicious activity contact me about the disputes put a freeze on my account after there was a suspicious caller, they did nothing to protect my account. Ive contacted Chase to it to ask for my money back and they told me that they were not able to give me my money back. I would like Chase to be held accountable for the fraudulent transactions that happen on my account, and to be refunded the money that was taken from my account. This fraudster also spoofed my phone number and was intercepting text messages that Chase was sending to verify transactions. I had to get a new phone number since my phone number was compromised. I also filled out a police report with my local police station regarding the identity theft, and the theft of my online banking username and password. 

Police report number : XXXX, Ohio XXXX
Consumer complaint received 2016-10-21
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (TX)

Given all the fuss about XXXX XXXX opening up fake accounts, I thought I should mention that CitiBank did the same to me in 2008 as XXXX XXXX. I did not want a Citi bank account, I did not sign a contract agreeing to it, and I never used it. I am assuming that someone at Citi signed a fake signature to open an account in my name. 
Given that I did not want the bank account, I did not sign for it, and I never used it, I just ignored it. They closed the account for nonpayment of the monthly service fee. Even then, they sent collections after me and did n't leave me alone. I had to make multiple calls to Citibank pointing out that they must have faked my signature since I never agreed to open the account and they were committing fraud.. Finally, Citibank stopped bothering me.
Consumer complaint received 2022-08-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I am XXXX XXXX, and upon checking my most recent credit report, I noticed that the Credit Bureau is continuously reporting accounts with inaccurate information. This is a massive violation of the Fair Credit Reporting Act. I have already addressed them with regard to this issue and I have not received any response from them until this date. 
XXXX XXXX XXXX Balance : {$810.00} XXXX XXXXBalance : {$8800.00} XXXX XXXXXXXX XXXXBalance : {$640.00} XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$2300.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXBalance : {$8700.00} XXXX XXXXXXXX XXXXBalance : {$0.00}
Consumer complaint received 2023-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (PA)

TO WHOM THIS MAY CONCERN : I have been informed that I have negative information reported by Pennsylvania Eastern Bankruptcy Court in the file you maintain under my social security number. Upon ordering a copy of my credit report I see an entry from this court listing filed on XX/XX/XXXX. LEXISNEXIS is the data furnisher to XXXX who is reporting this bankruptcy on my credit report. Yet you are providing inaccurate information to XXXX and violating my consumer rights. The case number/Reference number you have on file is inaccurate and the date paid. How would you know the date I paid or the amount I paid? My privacy rights are being violated and you have no right to disclose my transactional history. Please validate this information with the court and provide me with copies of my documentation associated with this account granting you authorization to report this information, bearing my signature. I formally request that you that this information be immediately DELETED from the credit file you maintain under my social security number. I have attached the case summary AND the transaction receipt as of XX/XX/XXXX. The bankruptcy court name is inaccurate DELETE THE BANKRUPTCY FROM YOUR RECORDS. IT IS AN ERRONEOUS ERROR ON YOUR PART AND I DEMAND A DELETION. You are reporting inaccurate information of a bankruptcy to XXXX. I am requesting that you DELETE this from my consumer profile at LEXISNEXIS. You are violating several of my consumer rights. 

Firstly, you are violating my rights to my privacy LEXISNEXIS violated my given rights under 15 USC 1681. According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy. According to : 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions According to : 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. 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information. 15 U.S. Code1681n ( 1 ) A - ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00}. YOU DO NOT HAVE MY PERMISSION TO HOUSE ANY OF MY INFORMATION AND SHARE IT. YOU ARE REPORTING INACCURATE INFORMATION AND I DEMAND YOU DELETE THIS INFORMATION from your records ASAP! XXXX is a data furnisher of bankruptcy information for XXXX and the information you have is inaccurate and I DEMAND A DELETION OF MY CONSUMER REPORT FROM YOUR RECORDS OR I WILL TAKE LEGAL ACTION. I have also attached my XXXX reporting and my case summary of the bankruptcy. Totally inaccurate and erroneous information being reported. The case number is wrong. DELETE DELETE DELETE! 

Sincerely, XXXX XXXX last four of SS # : XXXX XXXX : XX/XX/XXXX
Consumer complaint received 2020-04-24
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: EQUIFAX, INC. (AR)

My bank called me to inform me that there was a unknown charge on my account. They wanted to verify if it was mine and they were correct it did not belong to me. Later that same day I received a call from one of my credit card providers stating the same thing. I immediately knew my identity had been stolen, I got nine and made an account with XXXX  XXXX and got a copy of my report. For years my name, birthday, and social security number was used to open accounts that are not mine. Please remove these items from my report.