davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-11-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I used capital one Earn Credits for Shopping programs and created a shopping trip to XXXX on XX/XX/2020. I do not recall when exactly I created that trip. I made the madewell purchase on XX/XX/XXXX roughly in the morning and assumed that I would receive the 10 % statement balance as promised on the XXXX earn credits for shopping. However, when I went back to capital one offers section after I made the purchase, the madewell button was not there around XXXX in the afternoon. So, i wondered if my madewell purchase would qualify or not, so I called in capital one customer service. First call was terminated probably due to bad signal. Customer service folk from credit offers dept named XXXX answered the call around XXXX. He looked at my account and told me he doesnt know when this madewell offer expires and has no information to know if my purchase from XXXX is qualified for this offer. So I asked, if a capital one specialist doesnt know if my purchase if qualified, how can I know if the system traced/ recorded my purchase right. He said, a customer is supposed to finish the purchase soon after he clicked that offer button and as long as the purchase is done within 24 hours of the offer. I said, I didnt know if the offer expires first or the first click went first. My capital one account does not provide this information and thats why I am calling. Im not supposed to know every websites I clicked and its unreasonable to require a customer to know when he clicked a button. The capital one system does not offer that information and it needs to. He began to argue with me and got very impatient with me. Some of the words he used and his comments were quite insulting. His attitude became very unbearable, and said he needs to hang up on me if I kept talking. I knew that the conversation became heated and it went no where, so I asked what his employee ID is, what his name is, and he said he cant give any of that information to me. In general, I didnt expect to get hammered for asking information I am authorized to know. Capital one please investigate the offers section and this employees problem.
Consumer complaint received 2023-03-04
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: Avant Holding Company, Inc. (NC)

Avant credit company account was closed. Did not contact me on the fact there as a interest payment in this account so was closed and they keep reporting to agency as past due and was not. I was not informed via nothing letting me know of it being late credit companies did not investigate properly or this would still not be on my report. Hence violated my right under The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681
Consumer complaint received 2023-02-21
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc (AZ)

I've been a chime member for a few years now and as of today XX/XX/23, they closed my account without notifying me or given me any reason. 
I have money in my account that I can't access now, I have rent due XXXX  weekend, I already did my taxes that was submitted for direct deposit which now I need to figure out what to do now. 

I've reached out to chime multiple times now for help and what I can do to get my account back but no response other than they can't do anything and that a check will be mailed to me within 30 days which that is bizarre and too long for me when I have bills to pay and I didn't even do anything wrong.
Consumer complaint received 2022-07-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts and items which do not belong to me or were opened without my permission. 

DEPTEDXXXX XXXXXXXX Balance : {$0.00} DEPTEDXXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$120.00} XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$230.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$80.00} ARS ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1300.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2024-12-12
Product: Credit 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 (NV)

I have rights created by federal law. The Fair Credit Billing Act ( FCBA ) allows consumers to dispute credit card charges and withhold payment while the dispute is resolved. 
On XX/XX/2024, I noticed a charge on my account that I believe to be in error, totaling {$110.00}. ) manually entered charge ). After reviewing the details, I am convinced this transaction does not accurately reflect the services rendered or products purchased. I have attached any relevant documentation I possess to support my claim, including receipts and communication logs. 
[ XXXX XXXX XXXX XXXX  quarterly I paid {$72.00}, I requested an additional waste bin via email to customer service because I am a new home XXXX XXXX who receives over XXXX boxes per month of XXXX  supplies. The response was accepted at an additional {$7.00} per month via XXXX XXXX customer service email, XXXX XXXX XXXX -manually overcharged my account going over the credit limit ( by charging {$110.00}! ) ] See supporting documentation of quarterly billing of {$72.00}, XXXX XXXX response of {$7.00} additional, then price gouging of {$110.00} billing. ] As a valued customer of US Bank, I appreciate your institution 's commits The Fair Credit Billing Act ( XXXX ) customer satisfaction and dispute resolution. Therefore, I kindly request that you investigate this matter thoroughly. Additionally, to alleviate the financial impact this charge has caused, I would appreciate it if you could provide the provisional credit of {$100.00} to my account while the investigation is underway. AND NOT ANOTHER UNABLE TO ASSIST NOTIFICATION. TWICE I HAVE CALLED AND SUPPLIED ALL INFO REQUESTED trust in your ability to resolve this issue amicably and look forward to your prompt response. Thank you for your attention to this matter, and please feel contact me at XXXX or XXXX should you require further information.
Consumer complaint received 2022-10-12
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

Company Name : XXXX XXXX XXXX XXXX Account # XXXX Opened : XX/XX/XXXX I disputed this account more than once ; the first dispute was on XX/XX/XXXX. I sent in an FTC report and affidavit along with my driver 's license and social security card. I sent in a dispute notifying the credit bureaus that this account isn't my account and that I was a victim of the XXXX data breach. Experian told me I should talk to the creditor even though I provided Experian with what they asked me to provide in order to dispute the item. Neither bureau ( ExperianXXXX XXXX  or XXXX XXXX has contacted me with proof of investigation results by phone or letter. The second dispute was on in XXXX of XXXX and Experian told me they will not put the item in dispute because the company said the debt is mine without proof. 

Company Name : XXXX XXXX XXXX XXXX Account # XXXX Opened : XX/XX/XXXX I disputed this account more than once ; the first dispute was on XX/XX/XXXX. I sent in an FTC report and affidavit along with my driver 's license and social security card. I sent in a dispute notifying the credit bureaus that this account isn't my account and that I was a victim of the XXXX data breach. Experian told me I should talk to the creditor even though I provided Experian with what they asked me to provide in order to dispute the item. Neither bureau ( ExperianXXXX XXXX or XXXXXXXX XXXX has contacted me with proof of investigation results by phone or letter. The second dispute was on in XXXX of XXXX and Experian told me they will not put the item in dispute because the company said the debt is mine without proof.
Consumer complaint received 2023-05-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (TX)

My issues are two-fold. 

1. I applied for an American Express delta card to use the benefits and receive the XXXX airline bonus. I applied on XX/XX/XXXX and I had to spend $ XXXX in 3 months. This ended on XX/XX/XXXX, and I met the spending limit. I inquired on XX/XX/XXXX as to where the bonus miles were. I was told it would take 8-12 weeks after the review and the end of the billing period of XX/XX/XXXX, which would mean they should be applied by XX/XX/XXXX. I followed up again on XX/XX/XXXX and the American Express agent told me the same thing, the account is under review and it would take 8-12 weeks again. It is XX/XX/XXXX and there is still no action from American Express. 
2. I believe that they have their system set up to stop you from enrolling in automatic payments so they can collect late fees and interest charges. I can not prove it because their " system '' is the only tracking but I set up for automatic payments on XX/XX/XXXX. I put in my bank information, etc but it did not take on their side for some reason. I was issued a late fee and interest. I inquired on XX/XX/XXXX and I was told that, despite my setting it up it was " never turned on '' on their side. I can not prove it because it was all on their app, but why would I enroll in my bank account, etc? I am still getting " trailing interest charges '' this month, despite my insistence that they messed up.
Consumer complaint received 2024-12-16
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SUNRISE CREDIT SERVICES, INC (GA)

XXXX XXXX XXXX  sent my credit profile into collections for a phone i never applied for. The address used to obtain the phone in question was not my address. I had no prior knowledge of the debt until it was on my credit report. I cant get any information from XXXX XXXX XXXX  because i dont have the pass code for the account.
Consumer complaint received 2024-12-06
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (TX)

I lost my debit card on ( XX/XX/year> ) and someone made a withdrawal from my account that total the amount of XXXX XXXX. As soon as I saw this I immediately went to the closest Wells Fargo location to report these transaction as fraud. Wells Fargo said that this will be a tough case to prove that this was not me or anyone that I know that made the withdrawal. I want them to check the cameras to see who exactly made the withdrawal, because XXXX out of the XXXX transactions was made " in a wells fargo branch '' and the other one was from an ATM location. 

I now have video evidence of the person that stole my debit card to make these withdrawals. Filed police report. Wells Fargo is such a disgusting and bad company to bank with. They dont issue a temporary credit as they drained my bank account. They didnt even stop the transactions or check ID as they made multiple withdrawals that triggered overdraft on my checking account. When that happened they instead started drafting my savings account. When that savings account was drained, they drained another savings account. Terrible as none of these transactions triggered an alert in order to stop this. I used to have problems withdrawing more than XXXX as they would check my ID and ask for information about me. But this time they allowed the fraudulent people to drain the entirety of my accounts with no questions asked. Absolutely ridiculous.
Consumer complaint received 2020-11-28
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: CAPITAL ONE FINANCIAL CORPORATION (GA)

A fraudulent charge from XXXX for a laptop computer, price {$2500.00} charged to my Capital One Credit card. I reported the fraudulent purchase to Capital One and upon their investigation they declined to remove the charge from my credit card. From my discussion with the capital one fraud investigator their investigation indicated that the computer was delivered to me by XXXX at my home and I signed for it. I told them I did not order or take receipt of the XXXX laptop. I filed a report to the XXXX County Sheriffs Department ( XXXX GA ) to which the case was assigned to Investigator XXXX ( case # XXXX ). Investigator XXXX visited the XXXX office to review the video but was informed the video was erased. He was informed that the package was picked up by a person at the XXXX office and not delivered to the address listed on the packager per request of the perpetrator. XXXX shows the signature to be signed by the XXXX office person ( of which I have a copy ), they also did not request proper identification when being picked up. I called Capital One and sent them the information ( copy of signed receipt indicating not delivered to my home ) and request they call Investigator XXXX. I also asked why they did not call me when the order was made since it was a large and unusual order as they advertise-they said they are not obligated even though my account setting request that they do so. They sent me final resolution " I've found no indications of fraud ''. I sent numerous requests which to date have been ignored. I subsequently paid Capital One the {$2500.00} plus interest while disputing the charge to avoid hurting my credit score. Note that I have a credit score of 815 and would never order something with intent of not paying. I hope you can assist or include this complaint in their file. Capital One is too big and as a consumer I have no recourse except to file a complaint. If you would like copies of my file please let me know XXXX.
Consumer complaint received 2021-11-11
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Chime Financial Inc (DE)

On XX/XX/21, I received an email that an account had been opened in my name at Chime. I did not set up this account. I have since received several emails that changes have been made to my account, including the fact that direct deposit had been set up for this account but I did not do any of that. 
I have tried several times to reach Chime to let them know this is fraudulent and to ask them to close the account immediately, but nothing has happened. In fact, I cant get a person on the phone and no one responds to my emails.
Consumer complaint received 2019-05-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, AFTER REVIEWING MY CREDIT REPORT I REALIZED THAT THOSE ACCOUNTS WERE INACCURATELY PLACED ON MY FILE. I WOULD LIKE FOR YOU TO CONDUCT A RE-INVESTIGATION INTO THOSE DEROGATORY MARKS AND HAVE THEM REMOVED OFF MY CREDIT.
Consumer complaint received 2020-12-24
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. (NC)

All 3 credit bureaus Transunion,XX/XX/XXXX, andXX/XX/XXXX will not remove the below account from my credit report. A payment and settlement was made in XX/XX/2020. The creditor agreed to remove/delete from my credit report upon receiving payment. To date that still has not been done. The credit bureaus are reporting a payment made but are still reporting it. This should be removed from all three reports. The creditor/collector has not stood behind their word of deleting from my report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX XXXX ) XXXX
Consumer complaint received 2024-12-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MI)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2020-11-29
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Utah System of Higher Education (MA)

I've seen no changes for the accounts that I have filed last month, I see multiple 120-150 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2022-07-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXXtransunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2020-11-29
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. (NY)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$150.00}, {$6700.00}. 
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 ) -- COLLECTION ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$150.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6700.00} -This is not my account.
Consumer complaint received 2023-02-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I recently received a copy of my three consumer reports and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B
Consumer complaint received 2021-03-31
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Bank of America called me numerous times in XXXX. I receive a call yesterday at XXXX. A BOA representative called me to ask fo R mortgage payment. I asked him what I owed. He then saw that I didnt owe. He then went onto my account and undo my payment. Confirmation number is XXXX. The bank is to be allowed to take advantage of the black Community again. Now I am here left to watch my pile of miss payments because the BOA representative went into my account. That was illegal I did not invite him into my account.
Consumer complaint received 2022-07-20
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: NCB Management Services Inc. (IL)

For the past XXXX or so years now I had to repeatedly tell this company to stop calling my number, I told them many times that this is the wrong number and clearly they kept calling, until I told them I would report this company if they kept calling. Since then they havent called since but the they did try to collect on exempted funds previously.
Consumer complaint received 2021-05-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P. (CA)

I want this incorrect information removed from my credit report. A collections from LVNV/Resurgent Capital Services, XXXX XXXX XXXX XXXXXXXX SC, XXXX - ( XXXX ) XXXX is wrongly listed. That account is now serviced by XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX MO, XXXX, XXXX XXXX XXXX XXXX.