davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-07
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (CT)

I recently won a {$1000.00} digital American Express gift card from XXXX XXXXXXXX XXXX and XXXX XXXX XXXX The gift card was intended to help pay my bills and make online and in-store purchases. However, when I tried to use it, the transactions were declined due to the need for a billing address and zip code. 

I reached out to customer service today and was informed that registering a zip code and address on the website shouldn't be necessary. Despite this, Im still unable to access the {$990.00} balance remaining on the card, and a {$0.00} transaction was declined and deducted from the balance. I need assistance in resolving this issue so I can use the funds as intended.
Consumer complaint received 2024-09-04
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (TX)

I am writing to formally request the immediate deletion of an incorrect account from my credit report. This account was purchased by a third-party debt collector, and the information currently listed is inaccurate and misleading. The address listed for this account and amount associated with this account are not accurate. Additionally, the account was settled for less than the amount originally owed by the third-party debt collector. Also there are mistakes in the address listed to this account which I highlighted as proof as a clear violation of the Fair Credit Reporting Act ( FCRA ), which mandates that all information on credit reports must be accurate and complete. Therefore, I request that this account be deleted from my credit report immediately.
Consumer complaint received 2024-09-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (TX)

On my credit report, it is stating that LVNV Funding LLC as a collection. I attest that this information is false. Please remove immediately : LVNV Funding LLC - {$2700.00} and LVNV Funding - {$5100.00}.
Consumer complaint received 2024-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Self Financial Inc. (IL)

XXXX XXXX XXXX XXXX ceases any further unauthorized access to my credit report. XXXX XXXX XXXX XXXX  compensation me with statutory damages of {$1000.00} for the unlawful credit inquiry in accordance with the FCRA. 3 failure to resolve this issue may result in further legal action, as I prepared to pursue all remedies available under the law including formal legal proceedings to recover damages for this violation.
Consumer complaint received 2024-09-04
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 (GA)

wells fargo fraudulently took my money for a program called purchase shield that I did not want or sign up for. they sent me a letter stating this and gave me a refund for the amount they took from me over several years time. I requested further compensation due to being lied to and stollen from and they have not contacted me or even tried to acknowledge my concern or the fact that I'm a victim of this companies theft and fraudulent activities.
Consumer complaint received 2024-09-07
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

On XX/XX/year> I received a VISA card in the mail, with information on how to activate the card. This was done by Kohl 's, in conjunction with Capitol One. 
I had a Kohl 's store account, but I did not request a VISA card. I contacted Kohl 's stating I did not want the VISA card and I wanted to ensure it was not set up. I was told they can not assist me, and that I would need to all them back after XX/XX/year>. 
I then closed my Kohl 's account and requested to speak to someone who could make sure the VISA card was not an active account. No one was able to assist. They insisted my only option was to call later in the month. 
I do not like having an un-requested VISA card show up in the regular mail, and I do not like that I can't close the account, or ensure it isn't an active account, until over a week from the day I received it.
Consumer complaint received 2024-09-07
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (CA)

Hello, My name is XXXX XXXX XXXX XXXX deposited a check for a friend. Some time in XXXX, the check amount was for {$14000.00}. My friend XXXX XXXX did not have a ID for his check so I told him I will do it for him. Following that event chase restricted my account and said they need to speak to XXXX. I gave them XXXX 's number, they said they can not verify it. So XXXX went to XXXX and since then has changed his number and has taken every measure to make sure chase can verify the number. Chase has denied XXXX new number as well, This is insane.
Consumer complaint received 2024-09-04
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: BARCLAYS BANK DELAWARE (GA)

On Sunday, XX/XX/scrub> 2024 I received a credit alert advising of an inquiry from Barclays Bank Delaware. On Monday, XX/XX/year>2024 I immediately called the number for Barclays bank that appeared on my credit report. The representative advised there was a pending application on file. Once I advised that I did not submit that application, the representative declined the application, however the inquiry remained on my credit report. I then call XXXX to advise this inquiry was fraud as I've not applied for any credit. XXXX advised to call Barclays Bank, which I informed the representative that I've already spoken with Barclays Bank. The XXXX representative placed a second freeze on my credit report at this time. I made her aware of my disappointment as I'm unsure of how this happened with an existing credit freeze. 

I reached back out to Barclays Bank Delaware to get an update on when the inquiry will be removed and was advised it will take XXXX billing cycles. How do I wait XXXX billing cycles when I do not have an account with them? Also, they did not take any information from me to track the fraud case. I need to have this inquiry removed.
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Global Lending Services LLC (TX)

I am writing to complain to GLOBAL LENDING SERVICE about the reported data on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, and my name is XXXX XXXX XXXX. My birthdate is XX/XX/year>. The FTC report number related with this complaint XXXX have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with XXXX XXXX XXXX Section. XXXX that unambiguously obliges a described of the modus. This is a proper question of data and announcing.
Consumer complaint received 2023-08-12
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. (GA)

I am writing to formally dispute the accuracy of information on my credit report, specifically regarding the reporting of late open accounts. I have carefully reviewed my credit report from your agency and have identified discrepancies that I believe require immediate attention and correction. I have outlined the details of the disputed information along with an explanation of the inaccuracies : the late payment reported on the above-mentioned account is incorrect. I have diligently made all payments on time as per the terms and conditions of the agreement with the creditor. I have enclosed copies of my bank statements, payment receipts, and any other supporting documentation to substantiate my claim. I kindly request that you investigate this matter promptly and correct the inaccuracies on my credit report as required by the Fair Credit Reporting Act. Please provide me with a written confirmation of the correction once the investigation is complete. I understand that, according to the Fair Credit Reporting Act, you are required to investigate this dispute within 30 days and inform me of the results. I expect your prompt attention to this matter and a swift resolution. These following late accounts should be corrected right away : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TN)

On XX/XX/year>, my income and property was overcome by the XXXX lava flow I had to relocate to XXXX with no income no property and I am still recovering from this disaster. Im now XXXX and am asking to please relieve that debt. XXXX has helped in a small amount and I appreciate it but I do not have the means to pay it back to fix my credit. Thank you in advance For your consideration on this matter XXXX XXXX
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Advanced Resolution Services Inc. (MN)

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO. (NV)

Around XX/XX/XXXX, my XXXXXXXX XXXX was compromised, leading to unauthorized access to my personal information. Since then, the fraudster has made multiple attempts to apply for credit cards and loans using my details, including my date of birth, Social Security number, and addresses. I recently reviewed my credit report and found numerous unauthorized inquiries from various banking institutions in XXXX and XXXX. Additionally, I have had fraudulent charges on my credit card, and the fraudster has applied for subscriptions that I did not obtain. The merchant is now attempting to collect through a collection agency. I did not apply for these credit cards, loans, or subscriptions, nor did I authorize these institutions or merchants to access my credit report or personal information.
Consumer complaint received 2024-09-04
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: AMERICAN EXPRESS COMPANY (OR)

On XX/XX/XXXX ( sunday ) when downloading transactions to quicken discovered a XXXX withdrawal from our american express bank savings account to a bank called XXXX that was unknown to us. Contacted AMEX the same day but was told to call back on XXXX  which we did and initiated a dispute ( case XXXX ) on the account and froze it. They said that they would get back to us in XXXX  days. Today ( XX/XX/XXXX ) we received mail form AMEX indicating that no error had occurred and our money was not going to be refunded. After calling for more information they gave us the basic information about the account number at the XXXX bank and that the account had been setup in my my name on XX/XX/year>. We contacted XXXX who reported the account was active and verified that my basic information was correct except for mailing address. I requested that they lock the account and they have initiated an identity theft report with a case number of XXXX.
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

to whom this XXXX concern I pulled a copy of my credit report and noticed a charge off, which is defined as debt that has been discharged that your agency took a tax write off on. After I contacted the XXXX, they explained that it was illegal that you were reporting this information on my credit report, with trying to collect or having a charged off status Furthermore, the XXXX  has directed me to file Form XXXX for illegal tax violations upon your company to resolve this matter.
Consumer complaint received 2024-09-01
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: LEXISNEXIS (FL)

I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. The identity of the entity or entities responsible for conducting the verification process. Any documentation or evidence used to substantiate the accuracy of the disputed items. I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as accurate.
Consumer complaint received 2024-09-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (FL)

On Thursday Wells fargo said I was over drawn on my account I was not over drawn They fixed that problem now I have no access to my money.I called them several times to resolve this with no results. I went the branch they were not able to help. I need access to my money. I requested several times to lift hold they didn't. I have to pay my rent and other bills this is on un fair to me. In addition they said I made a transfer which I never made there is no reason for my account to on hold this long.
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Westlake Services, LLC (LA)

This company has been reporting inaccurate information to all three credit bureaus. On my XXXX, XXXX, and XXXX report they are reporting late payments for the year of XXXX. This account has been closed since 2021. By my FCRA rights a creditor does not have the right to report a closed account as late. If the account is closed nothing can be done to the account. This company is the worst company I've ever dealt with. They are known for reporting inaccurate information. I would like for this whole account to be deleted due to the discrepancies I have investigated and found on all three credit bureaus reports.
Consumer complaint received 2024-09-03
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Atlanticus Services Corporation (CO)

On XXXX XX/XX/2022, a Text message arrived. from XXXX. XXXX Fortiva Alert : Welcome to the Fortiva Retail Credit Family! Please visit www.myfortiva.com/XXXX to manage your account. Reply STOP to stop messages. " The phone number was not listed on the internet. Fortiva Retail Credit Family was listed under XXXX XXXX XXXX XXXX XXXXXXXX. They were contacted and referred to XXXX. The woman confirmed an account had the phone number. She just wanted to delete the phone number. I asked for the Fraud department. I think she put her coworker on phone. He did not create a tracking number. Just wanted to delete the phone number and did not offer any additional information other than some had an account with the number. He asked if anyone had access to my phone number? They both refused to provide any information about the person. Neither provided a tracking number which would suggest an investigation was happening and could be referred to when calling back. I don't know if this is a simple mistake or if I've a real credit /identity theft problem.
Consumer complaint received 2024-09-14
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc (NY)

HUNTER WARFIELD Original creditor : XXXX XXXXXXXX XXXX Date : XX/XX/year> XXXX Ive contacted the company twice since notification of incorrect charges. Ive disputed it 4 times on XXXX and was told I should have requested fraud instead, all Ive gotten is its sufficient and I keep telling them its not me. But they havent taken action to clear it of fix the issue, so I was advised to contact this organization by credit bureau.
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Advanced Resolution Services Inc. (AZ)

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2016-09-25
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: Frost-Arnett Company (TN)

When the bill came through the hospital it was XXXX and I paid XXXX up front before XXXX on a XXXX deductible. They are trying to collect XXXX dollars and will not send an itemized statement after being asked to do so. 

Calls numerous times a day and on XXXX.
Consumer complaint received 2024-09-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: FIFTH THIRD FINANCIAL CORPORATION (MI)

Went to 5/3 bank to deposit my check from my taxes. The check was written in both my wife and XXXX name. My wife is not on my account so I called their branch to discuss this, they claim its no big deal tell her to come up with you and sign the check and show your license/proof of id etc etc. They claimed theres a possibility of a XXXX hold on the check, no big deal my wife and leave feeling good about everything. The next morning I wake up and decide to check my online account. To my surprise the check had already cleared and funds was available. I think great, off work, everythings good. By lunch time they decided to freeze my entire account, I call and bank XXXX tells me it was and error on the tellers part for not properly verifying my wifes id. So now XXXX days later and no word from the fraud department with my account completely froze I sit stuck with no means to money and XXXX little kids. All on account of an internal error, that only im paying for. XXXX days later and theyre telling me therere waiting to hear back from the payee for verification.. what??? Its a check from the United States XXXX XXXX Treasury!!! And you already deposited at XXXX point into my account, now you want to take it back and freeze all my finances. This is absurd, and their fraud department reads you the same thing over and over from a script and you get no answers about anything. Im looking into legal action if possible.
Consumer complaint received 2024-09-04
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Financial Assistance Inc (WA)

They are reporting XXXX charged off accounts from XXXX XXXX XXXX. This is being reported on my credit XXXX. They are reporting that I owe them this amount, as well as XXXX reporting the same thing. I've reached out to both companies and they're continuing to do that. How can they both be reporting the same debts on my credit report. XXXX negative marks. How can it be reported past due with the original creditor and the collection agency