davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-23
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: CITIBANK, N.A. (PR)

Letter written to Citibank after repeated phone calls with no results. 

XXXX, XXXX, XXXX  Ref : AA Executive Citi card # XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX - XXXX Dear XXXX XXXX, I am very sorry to have to resort to writing to you in order to resolve an issue created by Citicard. But repeated communication have provided no satisfactory results. 
While in XXXX XXXX on a 6 weeks trip, XX/XX/year>, I received an urgent message from Citi saying to contact them due to a recent fraud charges on my AA executive card. Of course, the toll free number did not work from XXXX, so I found a local US prefix I could use. I contacted Citi and told them the charge from XXXX was not mine. The representative informed me that the card would have to be cancelled. I told him there was no place to send me a card since I was traveling until XXXX, XXXX. He said NO PROBLEM, I could contact Citi upon my return and a new card would be sent. Of note, the card was no longer available for my use and many reservations charges to the card had to be changed to another card. 
Upon my return, XXXX, XXXX, I called Citi and after be transferred 5 times got a person who indicted he would look into the issues and get back to me. Of note, I paid the annual fee, around {$600.00}, in XXXX XXXX. 
The supervisor did call me the next day but indicated he needed more time. For some reason, Citi HAD PUT THE ACCOUNT INACTIVE. I asked for a new card since I had paid the annual fee. The next day I received an email indicating a message from Citi- upon review It stated my account was closed. 
I never requested the account closed. I requested a new card. I really do not understand why I was treated this unfair way. With Amex Platinum then this same thing occurred, I was sent a new card with a new number. 
I would like my account reopened or a new account created. I can not believe that this is not possible, especially since I paid the annual fee. I have over XXXX XXXX miles on AA so I do use the card. I know my credit history is readily available. 
At the lease, Citi should have opened a new account and given me credit for the annual fee. Luckily during my travels, I carry several credit card. 
I hope you can assist in resolving this issue. I have been a good customer. 
XXXX XXXX till XXXX, XXXX  address XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX
Consumer complaint received 2024-02-25
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: Chime Financial Inc (VA)

I discovered an account had been opened in my name when I received a debit card from Chime in the mail. I contacted the customer service phone number ( the only contact provided on Chime 's website ) and was told on XX/XX/2024 that the account had been closed. I was also told I would receive a confirmation of the closure the the email address I provided at that time. I have not received any confirmation from Chime, and have found on numerous online reviews that it is common practice from Chime to state that they have closed a fraudulent account when they in fact take no action after having been informed of the fraud.
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PORTFOLIO RECOVERY ASSOCIATES INC (IL)

Portfolio Recovery Associates, is not the original creditor. The dates reflecting when the line of credit was opened is false/inaccurate. I did not open any lines of credit on the dates or years they have listed. Please provide proof from the original creditor on the dates the line of credit was opened. The dates listed are illegally obtained and altered.
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

I recently found that there are several fraudulent items on my credit report that don't belong to me. I do not have a record of doing business with these companies. I have documented all correspondence with your company. Please remove these fraudulent accounts, as you know they are in violation of the Fair Credit Reporting Act. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address.
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: EQUIFAX, INC. (AZ)

I am contacting you to dispute the reporting of XXXX accounts by XXXX XXXX XXXX, a third-party debt collector, as outlined below. These accounts violate the Fair Credit Reporting Act ( FCRA ) under XXXX XXXX Code XXXX, which mandates accurate, fair, and complete credit reporting. 

Disputed Accounts : Account XXXX : Amount - {$910.00}, Opened - XX/XX/2022 Account XXXX : Amount - {$1400.00}, Opened - XX/XX/2022 Upon reviewing my credit reports, I identified the following inaccuracies and issues that warrant immediate deletion of these accounts : Inaccurate Account Status and Balance : The status and reported balances for these accounts are incorrect. These accounts were purchased by XXXX XXXX and subsequently paid for less than the amount owed. The reported amounts do not reflect this payment accurately. 

Incomplete Information : My credit report does not show the amount XXXX XXXX paid for the debt, leaving the information inaccurate and incomplete, which is a clear violation of the FCRAs accuracy requirement. This omission of critical details affects my credit standing unfairly. 

Request for Deletion : Based on the inaccurate and incomplete information present, I request the immediate deletion of these accounts from my credit report. 

It is my understanding that 15 U.S. Code 1681 mandates that information in my credit file must be complete and accurate. These accounts, as reported, do not meet that requirement. Please confirm that these accounts have been removed from my report or provide a written explanation for any decision to retain them. 

Thank you for your prompt attention to this matter. I look forward to your swift confirmation of deletion.
Consumer complaint received 2024-01-30
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: JPMORGAN CHASE & CO. (NY)

After my first complaint ( ID : XXXX ), the problem is not resolved because they didnt ( XXXX ) take into account the additional statement I paid on XX/XX/23 in the amount of {$310.00} because they charged back incorrectly for the XXXX  charge as stated in the previous complaint ; I didnt want to have interest on the acct for not paying the balance so I paid the statement to not incur further unnecessary fees. ( XXXX ) I also received a letter from Chase stating that the final and permanent credit on the account will be for the amount of {$610.00}. Of that, I only received {$460.00} so far. See pics below for reference.
Consumer complaint received 2024-02-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (TX)

I am writing to report a serious incident of unauthorized withdrawal and fraudulent activity that occurred on my Wells Fargo checking account ending in XXXX. On XX/XX/XXXX of this year, an unauthorized withdrawal of {$940.00} was made from my account without my consent or knowledge. 

Upon discovering this fraudulent transaction, I immediately contacted Wells Fargo to report the incident and filed a claim asserting that I did not authorize nor execute this withdrawal. I provided all necessary details regarding the unauthorized transaction, including the date, amount, and specific account information. 

Despite my prompt action and thorough explanation of the situation, the response from Wells Fargo was deeply unsatisfactory. After weeks of investigation, they informed me that my case was closed, asserting that there were no signs of fraud and refusing to return my stolen funds. This decision was made despite clear evidence to the contrary. 

Furthermore, during my own investigation into the matter, I uncovered additional instances of fraudulent activity on my account. The perpetrators also initiated phone transfers from my savings to my checking account, transactions which I did not authorize or execute. Additionally, they used a new debit card that I was expecting to receive in the mail but never did. These actions further confirm the malicious intent behind the unauthorized access to my accounts. 

I am particularly distressed by the fact that Wells Fargo allowed these transactions to occur without alerting me. Normally, when I withdraw over {$500.00}, I receive an alert before being able to make the payments. The absence of such alerts in this case suggests a failure on Wells Fargo 's part to uphold their standard security measures and protect their customers ' accounts from fraudulent activity. 

In light of Wells Fargo 's wrongful closure of my case and refusal to address the fraudulent activity on my account, I am seeking assistance from the Consumer Financial Protection Bureau to rectify this situation. I urge you to investigate this matter thoroughly and take appropriate action to ensure that Wells Fargo fulfills its obligation to protect its customers from fraudulent activities and reimburses me for the unauthorized withdrawal from my account. 

Thank you for your attention to this matter. I trust that the Consumer Financial Protection Bureau will take swift and decisive action to resolve this issue and hold Wells Fargo accountable for their failure to safeguard my financial assets.
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

XXXX XXXX, XXXX : XX/XX/XXXX : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of account : 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 Also these list of inquiries ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2024-02-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (TX)

Dear Consumer Financial Protection Bureau, I am writing to report a distressing incident involving unauthorized withdrawal and fraudulent activity on my Wells Fargo checking account ending in XXXX. On XX/XX/XXXX, {$2000.00} was unlawfully withdrawn without my knowledge or consent. 

Despite my immediate action to report the incident to Wells Fargo and provide detailed information, including dates, amounts, and account specifics, they closed my case without addressing the clear evidence of fraud. Additionally, further investigation revealed unauthorized phone transfers from my savings and the use of a new debit card I never received. 

What is particularly alarming is that Wells Fargo 's security protocols, which typically alert me to withdrawals over {$500.00}, failed to function in this instance, raising serious concerns about their ability to safeguard customer accounts. 

I seek your urgent intervention to rectify this situation, ensure a thorough investigation, and hold Wells Fargo accountable for reimbursing the stolen funds and implementing robust security measures to prevent such incidents in the future. 

Thank you for your prompt attention to this matter.
Consumer complaint received 2024-01-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

1. There is inaccurate reporting by Transunion the consumer report of the accounts XXXX XXXX XXXX XXXX account number ending XXXX and account number ending XXXX. It is against the law and violation of FCRA to report transaction history on a consumer report which Transunion is inaccurately reporting with the late payments listed on the accounts. These late payment shall be removed. 

2. The hard inquiries by XXXX  XXXX XXXX dated XX/XX/XXXX, and XXXX XXXX XXXX dated XX/XX/XXXX, are unauthorized and had no permissible purposes to access report. Both of these inquiries ' shall be removed from the report. 

3. There is inaccurate reporting by Transunion the consumer report of the accounts XXXX XXXX It is against the law and violation of FCRA to report transaction history on a consumer report which Transunion is inaccurately reporting with the late payments listed on the accounts. These late payment shall be removed. 

4. There is an charge off account reporting by Transunion named XXXX XXXX. A charge off is considered income and a certificate of indebtedness and income is not reported to a consumer report. This account must be removed immediately
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (AZ)

I've noticed that my credit score has taken a huge hit due to several fraudulent accounts being reported under my name. These accounts were opened without my knowledge or permission, and it's seriously affecting my financial standing. I've already filed a report with the FTC ( which is attached ), confirming that this is a case of identity theft.
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (OH)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ohio, XXXX ( XXXX ) XXXX XX/XX/2024 Dear Credit Reporting companies, I, XXXX XXXX XXXX, have written this letter to dispute a claim that is falsely listed on my Consumer report with your bureau. The following item is fraudulent, I have NEVER opened a leasing agreement with Preserve at XXXX XXXX XXXX : {$4600.00} Account # : XXXX REPORTED FOR PAST DUE BALANCE I am disputing this claim due to : I HAVE NO KNOWLEDGE OF THIS ACCOUNT. IT IS FRAUDULENT AND I AM REQUESTING THAT IT BE REMOVED IMMEDIATELY. This is my official request to have the aforementioned item to be deleted from my Consumer report. Enclosed is additional evidence to support my claim including a police report from the XXXX Police Department and the FTC.
Consumer complaint received 2024-02-26
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY (CA)

My employer recommend us the employee credit card, which is American Express XXXX card. I applied but it was denied several times. I asked if I could get this card with {$500.00} credit line only, they may increase it gradually given time. They declined.
Consumer complaint received 2024-02-23
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Chime Financial Inc (CA)

I was scammed by someone claiming to own an apartment on XXXX. After sending them some money for the apartment the person started demanding more money and pressuring me that I wouldnt get the apartment unless I payed more money. After I confronted them it became apparent I was scammed ( this happened on XX/XX/XXXX with the money being sent the day before ). I called the bank I payed him through ( Chime ) and requested the money be reversed. They said they wouldnt do anything and said I needed to contact the seller over and over again even though they knew I was scammed and that it wouldnt be possible to do that. I asked if there was any info I could get of the persons account who scammed me ( location, names, emails, phone numbers, etc ) so that I could turn it over to the police for a report and they eventually just hung up on me. I contacted my main bank XXXX for a dispute so I could hopefully get my money back but the next day ( today the XXXX ) got an email that my dispute was denied even though I was told it was going to take at least 7 days to do an investigation so they clearly didnt even look into my situation. I even contacted the police but they said that they cant really do much so they wouldnt even really bother.
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MO)

Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Westlake Services, LLC (NY)

Subject : Cease and Desist Demand Regarding Unauthorized Credit Reporting Citations of Federal and New York FCRA Laws Dear WESTLAKE FINANCIAL SVC, I am reaching out to address a concerning issue involving the unauthorized inclusion of information on my credit report, which violates the provisions set forth by the Fair Credit Reporting Act ( FCRA ), specifically Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), as well as pertinent New York state laws on identity theft and fraud. 

It has recently come to my attention that WESTLAKE FINANCIAL SVC has been reporting information to my credit report without procuring my explicit consent, a clear violation of federal law as delineated by the FCRA, Section 1681b ( a ) ( 2 ).

Furthermore, New York state law, in conjunction with FCRA regulations, emphasizes the imperative nature of consumer consent for such credit reporting activities. Specifically, the New York FCRA mandates consumer consent under Section [ insert relevant section here ]. Simultaneously, identity theft and fraud laws in New York, such as [ insert relevant New York Penal Code section ], underscore the seriousness of unauthorized access and misuse of personal information.

I want to emphasize unequivocally that I have not provided any form of consent for WESTLAKE FINANCIAL SVC to report any information to my credit report. This lack of explicit permission constitutes a blatant violation of my rights, potentially resulting in damage to my creditworthiness, and demonstrates a disregard for both federal and state laws. 

I demand, without reservation, that WESTLAKE FINANCIAL SVC immediately cease any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and relevant New York state laws. Failure to comply within the allotted 30-day timeframe will be considered as willful noncompliance, subject to penalties under applicable laws, including New York FCRA and identity theft statutes. 

It is crucial to understand that obtaining consent is not a discretionary matter but a legal obligation under these specific provisions of the FCRA, New York state law, and identity theft statutes. This is not a matter open for negotiation ; it is a demand for adherence to both federal and state regulations, which serve to safeguard consumers such as myself from unauthorized and detrimental credit reporting practices. 

I anticipate your immediate attention to this matter and expect that WESTLAKE FINANCIAL SVC will promptly rectify these infractions, thereby upholding my rights under federal and New York state laws. 

In good faith,
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraudulent items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediate. 
XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$5500.00} XXXX  XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX