davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-16
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Im a Capital One customer who thought I held a high-interest account, but was tricked just like outlined in this article : XXXX XXXX XXXX  The advertised rate as of this date is 4.30 % APY. I just noticed that I have been earning a rate of 0.30 %. In addition to the above noted article description of my issue ( with the only difference being the current market rates ), I called and was told by Capital One Management that I have a grandfathered account ( 360 Savings ) and in order to get the advertised rate of the non grandfathered account ( 360 Performance Savings ) i need to open a new account. The bank had no problem reducing my rate over the years but suddenly, and without warning or proper notification to its customers, it " grandfathered '' accounts, seemingly as an excuse to avoid paying market rate/advertised interest on my HIGH YIELD savings account, which I have held since opening with XXXX XXXX  almost 20 years ago. Capital One 's new account is similarly named ( adding the word " performance '' ) and also has no fees similar to the grandfathered accounts. There is seemingly no appropriate business practice for this change other than to deceive and defraud long time customers.
Consumer complaint received 2023-08-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.
Consumer complaint received 2023-08-18
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: General Motors Financial Company, Inc. (FL)

The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Consumer complaint received 2023-08-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

I filed a dispute of unauthorized transactions for XXXX. The rep only put in for transactions totaling {$530.00} claim number XXXX, That claim was denied. Another claim was put in for the same company XXXX claim number XXXX, I called Capital One and was told it was denied. Due to showing other transactions from XXXX I said I need to dispute all transactions the rep then put in for the ones there were not in but still left out the {$530.00}. I called capital one many times and they stated they could not refill for those. I have already made a complaint with CFPB XXXX I have left XXXX many messages and no call back. The 2 nd claim was closed and in my favor. They are leaving out the 1 st claim. This is wrong.
Consumer complaint received 2023-08-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (DE)

I have been with Citi Financial since XX/XX/XXXX. I've had one credit card ( 2 accounts ) and have never had a payment go 30 days late in the 10 years I have had an account with them. Never! XX/XX/XXXX I received a notification that Citi Financial was decreasing my credit limit by XXXX  XXXX from {$19000.00} to {$8000.00}! First, any company that would reduce an on-time loyal customer by {$11000.00} is just bad business! Secondly, my balance with Citi at the time was {$7800.00}. Because of this abrupt and unwarranted decrease, it has also caused my credit scores to drop by almost XXXX points because my utilization instantly increased to 95 %! Have I made payments after the due date? Yes! Have I ever went 30 days late? No! Have I ever been negligent in paying Citi financial? No! Even when I went through a temporary hardship, I called and asked for help. Asked for a pay deferral! They advised they couldn't help! So because I valued the relationship and my credit history, I still paid them on time even when it was a sacrifice to me! But for them to drop my credit limit by {$11000.00}. This is unfair and unethical! It is also an unfair practice under XXXX and XXXX XXXX! It's unfair and deceptive! And to also do this without warning adds to the issue.
Consumer complaint received 2023-08-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: JPMORGAN CHASE & CO. (PA)

I received a Chase Freedom Credit card in the mail with a $ XXXX credit limit. I never applied for this card. When I called Chase, they said the card application was opened on XX/XX/XXXX, however, they could not tell me by which means ( phone call or online application? ). I recently applied for a mortgage so I'm thinking someone took my indentity and opened this Chase card fraudulently. I suspect it was Chase but because I was applying for a mortgage, my credit report was pulled and there was alot of personal and financial info moving about which made me suseptible to fraud.
Consumer complaint received 2023-08-17
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (MO)

We have a savings account with CitiBank opened in XX/XX/XXXX. For several months we've transferred the interest earned on this account into our external, personal checking account, via desk top computer and the internet website for our account. We tried to do this around XX/XX/XXXX. XXXX but it would not let us transfer the money. We've called CitiBank various times since then but still can't get our money ( {$26000.00} ) out of this account. When we call them we only get foreign speaking people so the communication is nearly impossible. Everyone we talk to claims to be a supervisor. We've had no results. We want our money OUT of this virtual XXXXXXXX.
Consumer complaint received 2023-08-17
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. (TX)

My Chase Bank card is linked to my XXXX. I was paying for a service through cashapp and sent funds to the companies phone number. XXXX XXXX allowed someone else to create an account with that phone number so the funds went to the wrong person. I reached out to XXXX as soon as i told the company the money was sent and they advised they did not receive it. XXXX advised that they could not return the money because it was already deposited into the persons account who received it and i would have to file a claim with my bank which i did. I reached out to XXXX XXXX support through their chat option multiple times and one of the representatives advised that the charge was declined by my bank and may show pending for a while but that it would dissapear in a few days. I have proof of this conversation and i asked when i filed the claim if i could submit the documentation and was told nothing was needed. At the time i filed the claim with my bank i advised them if they needed anything further from me i needed to know before hand because i didnt want to run into any issues with them denying my claim and taking the money out again without me knowing because depending on my payday its unknown how much funds would be in my account. They stated they didnt need anything else and if they did they would let me know. I have not received any phone calls from the bank, no email nor voicemails or notifications regarding the claim. Today i check my account and its negative!!!! They reversed the conditional credit and now my account is negative which is my main financial source i have no funds for gas to get to work no money for anything and i am a single parent with XXXX kids!! My direct deposits are always over 1,000 dollars and you would think the bank would do right by its clients. Some random person has my {$140.00} and now my account is negative and i could possibly lose my job since i cant even get gas to make it to work.
Consumer complaint received 2023-08-24
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: Bread Financial Holdings, Inc. (CA)

In accordance with the Fair Credit Reporting Act Comenity Capital Bank  Account XXXX XXXXXXXX & XXXX XXXXXXXX, has violated my rights. 

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. 

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 any purpose.
Consumer complaint received 2023-08-24
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Express Recovery Services, Inc. (UT)

My husband was served my judgement paperwork on XX/XX/23 while I was at XXXX classes. The collection agency never sent me any written notice of debt being in collections, never tried calling me to discuss the debt. I only got the information when I was served. I called the debt collection agency attorney who drafted the judgement. I was told that it doesnt matter that they didnt contact me and that I still had to pay the debt. I tried asking for a settlement amount or to do payments due to not working for months while attending a XXXX program ( XXXX XXXX ). He offered to take around {$100.00}. My debt was under {$500.00} now with the legal fees and everything theyve added with interest my debt is close to {$700.00}
Consumer complaint received 2023-08-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

To whom may concern, I'm writing to dispute the following information XXXX XXXX XXXX reported a New Account to your TransUnion credit file. Source : Trans Union Company : XXXX XXXX XXXXXXXX Address : XXXX XXXX  XXXX XXXX, XXXX, TX XXXX Business Type : XXXX Balance : {$1300.00} supplied BY TRANS UNION currently reported. I do not owe this bill. Trans Union denied access to my personal information from me. Trans Union will not allow me to get my FREE CREDIT REPORT, DENIED ACCESS TO DISPUTE ANY FAULTS DEBT. They are holding me back from accessing and disputing charges that affect my reputation as a debtor of my creditworthiness. They are retaliating against me for prior complaints to CFPB.
Consumer complaint received 2023-08-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (TX)

On XX/XX/XXXX to XX/XX/XXXX, I was involved in a scam. Over XXXX, an account posing as an artist account DM 'd me and asked if she could do a painting commission of me for free by using a picture I posted on my account. Her " client '' who funds her art would issue multiple checks to me that I would deposit into my bank account and then transfer back to her to account for her painting supplies, and for using my likeness, she offered a compensation of {$500.00}. I agreed after browsing the account, seeing multiple convincing posts of artwork. The scam worked like this : I depostied the checks into my bank account and then immediately transferred the money back to the scammer over XXXX through the Wells Fargo app. After a few days, the bank notices that these checks are fictitious and returns the money, taking out the amount from my bank account, but since I already transferred the money out to the scammer, there is none of that money left and the money is taken out from what money I originally had. In total, I depostied multiple checks worth {$3000.00} into my checking account. I am currently at around - {$2300.00}. 

On the fourth, my parents had notified me of the first few checks that were returned and I called Wells Fargo to file claims ; I also filed a police report. The customer service employee issued the claims and then told me it would be resolved within 10 business days but was so vague and did not attempt to understand what I was wanting to do. On XX/XX/XXXX, I recieved 29 letters in the mail from Wells Fargo, each individual claim letters regarding the transactions and transfers done on my account, with some saying it was sent to a differenet department. They were processed on the same day written in the top corner of each letter, and the uttter confusion of which letters corresponded to which and the results prompted me to call Wells Fargo and ask for transparancy. For almost two hours I was on call, transferred to at least XXXX different departments, only trying to find out the reasoning and updates for their report, and in the end, the department could not update me for any reasoning available. 29 letters opened and read, on call for two hours, and no explanation if Wells Fargo would help or was on my side at all. On XX/XX/XXXX, I recieved a letter for only one of multiple claims about the check deposits that concluded since the transaction was authorized, it would not be considered, as if it was not part of a major scam. 

I was affected by a major scam and asked Wells Fargo to investigate, but Wells Fargo refused to consider my complaint and supporting documents. The company was inept and unhelpful in reviewing the transactions, directing me to the proper channel for questions, and did not take into account at all the fact I was scammed.
Consumer complaint received 2023-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (FL)

While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 
Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.
Consumer complaint received 2023-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

I hope this letter finds you well. I am writing to dispute inaccurate information that is currently being reported in my credit report by your agency. I believe that my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) are being violated due to the presence of late payments on my credit report for the following accounts : ACCOUNT NAME- XXXX  ACCOUNT NUMBER- XXXX INACCURATE LATE PAYMENT REMARKS DATE- XX/XX/2023 Late 30 days, XX/XX/2023 Late 30 days The inaccuracies stem from a violation of several key provisions of the Fair Credit Reporting Act, including but not limited to : 15 U.S.C. 1681 Section 602 - Right to Privacy : This section of the law asserts my right to privacy regarding my credit information. I have not provided written consent for the accounts in question to be furnished to your agency.

15 U.S.C. 1681 Section 604 ( a ) ( 2 ) - Consent Requirement : It is my understanding that a consumer reporting agency such as yours can not furnish an account without the written consent of the consumer, which, in this case, is me.

15 U.S.C. 1681a - Definitions - Rule of Construction Exclusion : The definition of a " consumer report '' in this section explicitly excludes any report containing information solely regarding transactions or experiences between the consumer ( myself ) and the entity making the report. Therefore, these late payments should not be included in my credit report.

15 U.S.C. 1666b - Prohibition on Treating Payment as Late : This section prohibits creditors from treating payments on a credit card account as late for any purpose. Hence, the late payment information reported for these accounts is in direct violation of this provision.

Given the clear violations of my rights under the Fair Credit Reporting Act, I request that you take immediate action to correct these inaccuracies in my credit report. Specifically, I demand that all late payments for the accounts mentioned above be updated to " Paid as Agreed/Never Late '' without delay.

Please investigate this matter promptly and provide me with written confirmation of the corrections made to my credit report. I understand that you have 30 days from the receipt of this letter to complete your investigation, as mandated by the Fair Credit Reporting Act.

Failure to take corrective action within the stipulated time frame will leave me with no choice but to pursue legal actions to protect my rights under federal law. I trust that it will not come to that, and your agency will promptly rectify these inaccuracies.

I appreciate your immediate attention to this matter and look forward to a swift resolution. You may contact me at the phone number or email address provided above should you require any additional information. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (PA)

I exercised my rights pursuant to FCRA 611 ( 15 U.S.C. 1681I ) PROCEDURE IN CASE OF DISPUTED ACCURACY and asked Experian, on XXXX  to conduct an independent investigation for inaccuracy in reference to XXXX XXXX XXXX XXXX XXXX XXXX The account is reporting an unknown inaccurate and incomplete payment history. There is only one month ( negative ) reported which is inconsistent. Experian informed me that the inaccurate and incomplete information was " verified as accurate '', without providing any documents to support this opinion. 

By maintaining inaccurate and incomplete information with no justification violates the law and intentionally suppresses my credit score.
Consumer complaint received 2023-10-16
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. (NJ)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. I would appreciate it if you deleted these items as soon as possible as it is hindering me.
Consumer complaint received 2023-10-16
Product: Credit reporting 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. (FL)

Please remove these inquiries from my credit report ASAP. 
INQUIRIES ARE FOLLOWING : EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-16
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (FL)

I've been banking with CHIME FINANCIAL INC.. ( CEO XXXX XXXX XXXX Co-founder XXXX XXXX XXXX who is partners with XXXX XXXX XXXX XXXXXXXX since XXXX and never had an issue until now. on XX/XX/2023 through XX/XX/2023 there was a total of {$100.00} taken out of my account between 6 unauthorized transactions made in my checking 's account through the merchant XXXX XXXX. My debit card was in my possession that day and never gave anyone my card information. I always memorize my card pin, card number, expiration date, etc. I never write any of that information down. I called Chime Financial Inc that same day, on XX/XX/2023 to report those transactions as unauthorized and made a dispute due to the fact that I never owned an XXXX console and never created an XXXX account with my own personal information. I don't have any family members or anyone that I know that owns a XXXX. Chime Financial Inc. started an investigation and in the meantime were able to provide me with a credit of {$100.00}. Upon investigation being completed, Chime Financial Inc stated that there were no error that occurred and reversed the credit from my checking 's account on XX/XX/2023. I didn't realize they reversed the {$100.00} out of my checking 's account until this happened AGAIN and more unauthorized transactions were taken out of my checking 's account on XX/XX/2023 through XX/XX/2023 in the amount of XXXX between 5 unauthorized transactions. After going through my " bank '' statements, Again I called Chime Financial Inc to report unauthorized transactions from the SAME merchant XXXX XXXX and dispute those charges. While that investigation was ongoing, I had them reopen the first dispute I made for the {$100.00} because even though they claim to not have found any error occurred, I know for certain that I did not make those transactions. I had them reopen the first investigation at least six or seven times with supporting documentation showing proof that the charges were indeed fraudulent, I even reached out to XXXX XXXX and they were able to send me a email stating that the charges are fraudulent, and each time Chime financial Inc would deny my case and told me that there was nothing they can do and that they do not issue refunds even though they are FDIC insured which I will be reporting to them, as well as a police report and getting in contact with a lawyer, I shouldn't have to fight this hard but I will take legal action if needed and sue XXXX XXXX and XXXX XXXX. All I want is my money back in the total amount of {$330.00}. Thank you