davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-03
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (AL)

My Home Depot credit cards were stolen from my wallet. The person who took my cards charged about {$20000.00} to them. I contacted Home Depot and was told that it looked like he was an authorized user because he signed all the receipts. I was the only authorized user.I was trying to return the items that I had found for credit to the account. Then someone broke into my storage building and stole most of the tools that were purchased. At the time my son was sick. I was working full time and taking care of my son after work. My son has since passed. I turned one account ( about {$12000.00} ) over to debt consolidation trying to get to the point of a settlement for things I didnt purchase. Now I have a court date because of this debt that I dont feel I owe.
Consumer complaint received 2020-05-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Its ashame how Im being treated by my bank Im a loyal customer for years I want another credit card but they wont let me have one they first said their isnt any maximum of cards a customer can have but recently when I applied even for a secured card their system and then by letter tell me I have the maximum number of cards which to me doesnt make sense or is fair because they told me their is no limit of cards a customer can have to apply so they are very confusing
Consumer complaint received 2020-05-13
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. (GA)

MY IDENTITY WAS USED TO OBTAIN GOODS WITHOUT MY CONSENT OR KNOWLEDGE I DID NOT AT ANYTIME APPROVE OR WAS AWARE OF ANY SERVICES THAT THE PERSON WHO USE MY IDENTITYNTHE ACCOUNT WERE OPEN FRAUDGENTLY I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX XXXX. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2020-05-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (CA)

Citibank Mastercard accepted my payments over the phone from my bank accounts, but did not credit them in a reasonable period -- even though my bank informed me that the money had been paid immediately to Citibank. During XXXX I made 2 large payments ; Citibank told me that I had to wait 2 weeks ( until XX/XX/XXXX ) for the payment to go through, even though they had received the money immediately. I was denied credit at several places of business and my utility bills were not paid either via the Citibank credit card as well. This was dishonest, unethical and unfair on Citibank 's part. They were taking advantage of the situation and could easily have checked to see if a deposit was made -- but instead, kept my money without crediting it for weeks.
Consumer complaint received 2020-05-19
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. (WA)

To Whom It May Concern : I sent a request for the method of verification to Equifax via certified mail. I got back an updated credit report from with before and after the dispute process no method of verification for the State Collections I requested In compliance with this method of investigation request, please provide the following : The description of the procedure used to determine the accuracy and completeness of the information. 
Name, address, and telephone number of each person contacted regarding this alleged account. 
A copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. 
Any automated response or e-Oscar verification is unacceptable. I am requesting a re-investigation along with your method of verification. 

At this point the tradeline needs deleted. 

I can supply all supporting documents if needed.
Consumer complaint received 2020-05-13
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (CA)

I had my bank account closed in XXXX at Chase in XXXX XXXX at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX, CA. I told the bank would have close my account due to funds not available too me because I have a payroll block ; on my payroll. I then started hearing about wildfires in CA, close to where I was banking, I then read in the California DBO Oversight ; these counties need to close their accounts, with the bank. I wait a while to see if the banker would have told me and never did, I then closed my account, in good terms with banker, at that moment, I asked if I could return back to the with bank after I close the account, and the banker stated ; yes. 

XX/XX/XXXX ; I went to open a Chase Secured account, and it was fine, the account was opened, and did not receive my debit card in the mail. I called, left messages,, and went to the bank located on XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX. I was told they are closing my account, and they don't known the reason why. 

I called Chase Customer Service number to find out why, she stated there is no reason, it's the banks decision, and I said so dose that mean to ever bank at Chase again. The Customer Service Rep, said yes. 

XX/XX/XXXX, I sent a twitter message to Chase Support. XX/XX/XXXX stating they are sorry and could find me in the system, I respond with my account number ; XX/XX/XXXX today, I received a twitter message to call Chase, I called and was not able create an account
Consumer complaint received 2020-05-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Recovery One, LLC (OH)

I pulled my credit and found that someone has been using my SS XXXX and DOB XX/XX/XXXX to open up credit cards and accounts! The following accounts are not mine and needs to be removed from my credit reports : RECOVERY ONE LLC # XXXX, XXXX XXXX XXXX # XXXX, XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX.
Consumer complaint received 2020-05-13
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AFNI INC. (MN)

To Whom it May Concern, This letter is a formal compliant that you are reporting and incomplete credit information.

According to the Fair Credit Reporting Act section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see verifiable proof ( I.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below.

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account
Consumer complaint received 2020-05-19
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. (CA)

I AM VICTIM OF IDENTITY THEFT, I PLEA IS TO HAVE THIS FRAUDULENT XXXX  XXXX XXXX ACCOUNT REMOVED FROM MY CREDIT REPORT. THE ACCOUNT WAS OPENED WITHOUT MY CONSENT, THE CHARGES AND THE PAYMENTS MADE ARE NOT DONE BY ME. I HAVE NEVER REQUESTED THIS ACCOUNT TO BE OPENED. THIS ACCOUNT CURRENTLY IS CLOSED WITH A XXXX BALANCE,, NEVER THE LESS THIS IS A FRAUDULENT ACCOUNT AND ITS NOT MINE,
Consumer complaint received 2020-05-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues.

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621.

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts.

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so.

I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person.

In addition, it has also been discovered that these STUDENT LOAN ACCOUNTS were also being listed within my credit file. The fact is that these Student Loan Accounts are not mine. I did not open these accounts and did not even seek a high education or attend college. So, these accounts do not belong to me. 
STUDENT LOAN CREDITORS : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX XXXX
Consumer complaint received 2020-05-19
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. (TX)

I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible.
Consumer complaint received 2022-04-03
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (VA)

Re : Bank and XXXX XXXX in Me-To-Me Scams. 
On XX/XX/2022 I received a security text from Wells Fargo XXXX ( XXXX ), informing me that there had been unauthorized card and 'XXXX  XXXX transactions. I checked my bank account and found unauthorized credit card transactions, so I responded " YES '' to the text. I then received a call from " XXXX XXXX, Agent ID : XXXX '' who informed me that my debit card had been compromised, and in addition, {$2000.00} had been sent via XXXX to a XXXX XXXX XXXX. He put a pause on my debit card, and had me 'reverse ' the XXXX transactions by sending money to my own zelle account linked to my phone number. I received confirmations of this via XXXX XXXX texts. 

However, I quickly became suspicious when his story became inconsistent and immediately called another Wells Fargo number listed on the website and spoke with an agent to verify what had happened. I read the phone numbers that had texted me and called me directly to the agent ; she informed me these were legitimate Wells Fargo phone numbers, and that XXXXspecial ' agents like XXXX XXXX had their own way of resolving things, and it should be fine. 

When no money had appeared in my account by XX/XX/XXXX, I called Wells Fargo again. They told there was no such thing as 'reverse ' transactions and had been sent outbound to XXXX XXXX Furthermore, they told me that legitimate Wells Fargo phone numbers were regularly spoofed, and that anyone could call from them. I filed a formal complaint with the bank to try to get the {$2000.00} XXXX transaction reversed and a short time later, this request was denied. On XX/XX/XXXX, I escalated this to a Wells Fargo consumer advocate, who filed a report with the executive office. I received confirmation of this filing. On the XXXX, the Executive Office responded, informing me that all XXXX transactions were irreversible, including those that were fraudulent and criminal, and it was my fault for failing to verify the recipient, despite the fact a bank employee had verified to me that this transaction was legitimate. 

Next, I attempted to file an official report with XXXX : XXXX required a 12 digit transaction ID to report a fraudulent transaction and their website informed me that " I could acquire this number from my bank ''. I ended up speaking with multiple escalating levels of representative, only for them to tell me that there are no such things as 12 digit transaction IDs. In conclusion, Wells Fargo enabled scammers to steal {$2000.00} from me, and made reporting all-but impossible
Consumer complaint received 2023-01-12
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: Experian Information Solutions Inc. (IL)

I XXXX XXXX am a federally protected consumer who has a right to privacy. I have never given XXXX or any other consumer reporting agency consent to furnish information and or accounts to my consumer report. 15 USC 1681 ( 4 ) states that there is a need to insure that consumer reporting agencies ( Experian, XXXX, XXXX etc.. ) exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Consumer reporting agencies have a legal duty/responsibility to protect and preserve my information and right to privacy. Using, obtaining or sharing my information or furnishing information or accounts to my consumer report without my consent is identity theft and is a direct violation of the law. 

XXXX defines Consumer Report as any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for XXXX also states what consumer reports should Exclude : ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control ; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ; ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title ; or ( D ) a communication described in subsection ( o ) or ( x ). [ 1 ]
Consumer complaint received 2020-05-19
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. (AR)

I have the XXXX XXXX  app to keep track of my scores. I recently logged on and saw several unknown suspicious accounts that use to be open under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of time. These accounts and inquiries were not made by me. Please take these unknown items off my report.
Consumer complaint received 2020-05-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I applied for a Capital One Quicksilver Card and was denied.I received the denial letter stating they couldn't retrieve my reports when I have three hard inquires from Capital One, one at each credit bureau XXXX XXXX XXXX XXXX. I tried contacting the application department but its been closed due to the pandemic. Im writing because honestly I have read all the requirements and meet every one from Capital Ones definition of excellent credit Ive never declared bankruptcy or defaulted on a loan ; I havent been more than 60 days late on any credit card, medical bill, or loan in the last year ; Ive had a loan or credit card for 3 years or more with a credit limit above {$5000.00}. To the disclosure that states I am not eligible for this offer if : My application is received after this offer expires, is incomplete, unreadable, and inaccurate or can not be verified. 
My address is not in one of the following locations : the 50 United States, Washington, D.C., or a U.S. military location.

My address is a correctional institution.

My monthly income ( my disclosed total annual income divided by 12 ) doesn't exceed my monthly rent/mortgage payment by at least {$420.00}. Or, Capital One otherwise determines that I am unable to make my monthly payments.

I am under 18 or do not have a valid Social Security Number or Individual Taxpayer Identification Number.

I have applied for a Capital One credit card 2 or more times in the last 30 days. 
I have 5 or more open credit card accounts with Capital One.

I have a past due Capital One credit card account.

I am over my credit line on a Capital One credit card.

I have had a Capital One credit card that charged off within the past year.

I have a non-discharged bankruptcy ( one that is still unresolved ).

I have met every requirement and spoke with a representative from the corporate office and stated that the error was system generated. My application was going to be resubmitted for a manual review and til this day haven't heard a word. I'm very experienced in credit history and an expert in reading credit reports. I only see this as a system error and hope it's nothing further then that.
Consumer complaint received 2020-05-13
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: STANDARD MORTGAGE CORPORATION (LA)

My payment for the month of XXXX was submitted online on XX/XX/XXXX. The Mortgage company did not withdraw payment until XX/XX/XXXX. I watched on the news and read in the newspaper that lease and mortgage payments that were late could not warrant eviction and negative credit reporting. I received a notice this week that XXXX points was taken from my credit report because I was late in XXXX. I emailed Standard Mortgage and they informed me that I would have had to have requested a forbearance due to COVID-19 to not have a negative report to the credit bureaus. I was unaware that I needed to request a forbearance, and I had already determined I was going to pay my mortgage even though my business revenue severely decreased as a result of COVID-19 and I had not yet qualified for any XXXX loans or paycheck protection. I am requesting this negative hit be removed because I have been impacted by COVID-19 financially, and I was unaware that I had to file a forbearance request, and I still have intentions on paying my mortgage payments now and in the future.