davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-08-03
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: OLD NATIONAL BANCORP (NV)

I WAS CONTACTED BY THIS SAID COMPANY XXXX XXXX XXXX XXXX XXXX XXXX. THEY TOLD ME THEY HAD A BUYER FOR MY TIMESHARE. WELL THAT WAS NOT THE CASE. THEY ONLY WANTED TO STEAL MY MONEY AND NEVER BE HEARD FROM AGAIN. I PAID THEM SEVERAL TIMES ; XX/XX/XXXX XXXX XXXX  XXXX MY VISA DEBIT XX/XX/XXXX XXXX XXXX-XXXX WIRE FROM MY BANK XX/XX/XXXX XXXX XXXX-XXXX WIRE FROM MY BANK XX/XX/XXXX XXXX XXXX-XXXX WIRE FROM MY BANK XX/XX/XXXX XXXX XXXX-XXXX  WIRE FROM MY BANK I ALSO FILED WITH THE ATTORNEY GENERALS OFFICE AND I AM GETTING BACK MONEY FROM XXXX XXXX BUT ITS NOT THE FULL AMOUNT I PAID TO THEM. ATTORNEY GENERAL HAS ME RECIEVING XXXX A MONTH UNTIL I GET BACK XXXX BUT I PAID THEM XXXX ALL TOGETHER. WAS PRAYING THAT MAYBE I COULD GET THE FULL AMOUNT I PAID THEM BACK WITH SOME HELP FROM CFPB. I AM A SENIOR CITIZEN AND I LIVE ON A FIXED INCOME. THIS IS SENIOR CITIZEN ABUSE AND IT JUST ISNT RIGHT THAT THESE SAID COMPANIES ARE ABLE TO TAKE FROM ELDERLY PEOPLE LIKE THIS. PLEASE HELP ME.
Consumer complaint received 2018-08-03
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Ria Envia, LLC (TX)

Subbmitted a fund transfer request on XX/XX/XXXX, got email confirmation on XX/XX/XXXX, my family contacted the bank but never got funds. contacted the company who asked me to cancel the reuest due to exchange rates changes. 

order # Order No. : XXXX Order No. : XXXX Operator : XXXX XXXX  BANK ACCOUNT : XXXX Transaction Date : XX/XX/XXXX XXXX XXXX Track your Order at XXXX  Date Available : XX/XX/XXXX ( May be available sooner ) SENDER RECIPIENT XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Texas XXXX - United States Ph:XXXX XXXX XXXX  # XXXX , XXXX # XXXX, XXXX XXXX , XXXX XXXX XXXX , XXXX, XXXX - XXXX Ph : XXXX XXXX XXXX XXXX XXXX XXXX PIN No. XXXX Transfer Amount XXXX   USD Exchange Rate {$1.00} USD = XXXX PKR Transfer Fees XXXX USD Transfer Amount XXXX PKR Transfer Taxes XXXX XXXX Other Fees XXXX PKR Total XXXX USD Total to Recipient XXXX PKR
Consumer complaint received 2020-04-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: AMERICAN EXPRESS COMPANY (CA)

While checking my personal credit report, which I acquired fromXXXX, I noticed an unauthorized inquiry made by your company AMEX American Express on XX/XX/2018 I did not authorized anyone employed by your company to make an inquiry and view my credit report. You have violated the Fair Credit Reporting Act Section 1681b ( c ) .You are not legally entitled to make the inquiry. This is a serious breach of my privacy rights. I request that you either mail me a copy of my signed authorization form that gave you the right to view my credit within five ( 5 ) business daysso that I can verify its validity.
Consumer complaint received 2020-06-19
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: HSBC NORTH AMERICA HOLDINGS INC. (PA)

In the middle of XXXX XXXX, I opened a premier checking account with HSBC Bank USA N.A. to pursue a welcome bonus of {$750.00} as long as the monthly direct deposit is not less than {$5000.00} for three consecutive months from the second month after this account is opened. 
Then I gave my Payroll the filled out HSBC Bank standard form of " Direct Deposit Transfer '' ( attached ) to set up a direct deposit payment in the banking system for paying me of my wage every two weeks. After that, my HSBC Bank premier checking account has received direct deposit more than {$8000.00} per calendar month. 

However I have no received the expected welcome bonus of {$750.00}. 

The HSBC Bank advertisement of this welcome bonus did not define what is the exact meaning of " direct deposit '', nor mentioned that ACH ( automatic cleared house ) payment method or CTX ( corporate trade exchange ) payment method disqualifies. 

So I have contacted the customer service at least five times using its online Live Chat since XX/XX/XXXX and every time each customer representative more or less told me different things however the overall determination is that its marketing department disqualifies the award of welcome bonus to me based on following reasons : 1. I was told that the bi-weekly transaction in my account does not contain a description or verbiage like " direct deposit '' therefor it's not direct deposit, and accordingly disqualified for welcome bonus. 
2. I was told that my Payroll makes payment to my HSBC Bank premier checking account using CTX ( corporate trade exchange ) payment which is not a direct deposit. 

I was totally confused how a common customer like me knows the exact meaning or difference between direct deposit, ACH and CTX? HSBC shall never play wording or verbiage games with customers. 

Actually, in XXXX or XXXX ( I forgot detailed date and HSBC denied to provide me a copy from its digital recording system ) I chatted online with one of its customer service representative to check if my account transaction status was OK for receiving welcome bonus and I was told that my transaction was direct deposit and had been running well so just wait to see three calendar months passing would make you receive the welcome bonus automatically. But it looks not true now. 

It's very frustrating why HSBC Bank did not define or explain the exact meaning of direct deposit in its advertisement in XXXX before I open the account. Therefore it has brought confusion or misunderstanding to a customer like me. 

I did the double check in XX/XX/XXXX with my Payroll department to confirm that the direct deposit had been properly set up with HSBC Bank. Please see attachment. 

Could you please investigate for me and make sure the pursuance of {$750.00} welcome bonus is paid by HSBC Bank. 

My case with HSBC Bank USA N.A. is XXXX. 

Many thanks. 
XXXX XXXX
Consumer complaint received 2020-06-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is a very simple complaint. I am disputing accounts on my credit report that do not belong to me or I believe are erroneous. I did so well over 30 days ago and I have not received any notification from anybody. I thought I already submitted a complaint through you but for some reason I haven't received a response yet. I will chalk it up to user error but I am wanting to file this complaint again just in case. 

This goes against all three credit bureaus. My disputes were submitted on XX/XX/XXXX then XX/XX/XXXX and nothing. If I don't get a response soon I will have to sue.
Consumer complaint received 2020-10-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BARCLAYS BANK DELAWARE (TX)

Hi there was a statement was send to my house and we didnt apply for this credit card and we had called in several times and report this account as fraud and we never heard back from Barclays and all sudden we are getting statements and harassing phone calls from debt collectors and we havent gotten any results from there investigations and they igorne us and never ask for a police report and that fraudulent account is getting send to the collection
Consumer complaint received 2020-10-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (FL)

Wells Fargo put my mortgage account into forbearance without my knowledge. All payments have been made on time and I have never missed a mortgage payment. Wells Fargo claims I agreed to have deferred payments due to Covid19. I never signed or verbally agreed to anything regarding Covid19. Hence never missed a payment. I did not need any assistance due to the pandemic. Now my credit report is showing Wells Fargo account in Forbearance and affecting me when applying for other credit. I've reached out to Wells Fargo numerous times and still haven't heard back or have had the problem resolved.
Consumer complaint received 2020-06-19
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc. (NY)

I received a notification alert from Experian Credit Reporting agency on Thursday XX/XX/XXXX stating that a " Collection '' account / entry was placed on my credit report. 

According to Experian Credit Reporting, the name of the company that made the entry is XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, Florida XXXX. Phone Number ( XXXX XXXX XXXX. Amount referenced is {$4100.00}. 

I did not receive a letter or phone call from this company. I don't know who they are. 
They arbitrarily made this entry on my credit report. 

The Alert from Experian seems to suggest that this was done on XXXX XXXX but it didn't show-up until Thursday XXXX XXXX 

Proposed remedy : Immediate deletion of entry from my credit report.
Consumer complaint received 2020-10-26
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. (GA)

To whom it may concern, I sent a dispute letter for inaccurate personal info on XX/XX/2020 and I still have not gotten any results. I also, sent out a 60 day comply letter on XX/XX/2020 and still no results. At this point my FDCPA rights are being violatied.
Consumer complaint received 2020-10-26
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: PNC Bank N.A. (PA)

HI, i HAVE A ACCOUNT WITH pnc bank. It started with a transaction of with XXXX XXXX.I was trying to get a loan in which for months it went nowhere.I had paid them XXXX to get my loan then in turn stated it would continue to send them money.XXXX then XXXX I ended up going through another place due to them requesting money. I paid that company XXXX the XXXX and got a new place.I disputed this with pnc back in like XXXX or XXXX and now in XXXX, My account went negative. Not only did they make it so that I got several XXXXlike 5 or 6 of them to make my account negative for that fraud XXXX that I disputed and did not hear back from them for months. I disputed it again and the lady filed something on it. That company that plans gave my money to did not perform a job for me and I requested my money back hired a realtor who got me in a home without a loan and I paid it off. Now when pnc made my bank negative I had already got my social security check paid all my bills and that was several days before they posted this XXXX negative then gave me XXXX fees like 5 or 6 times made all my bills negative for this fraud XXXX that was disputed and I never dealt with that company after instead hired a realtor who got me in a home and now pnc made my account negative multiple times to get XXXX times 5 or 6 plus that XXXXI want the negative removed.I did not hear back from pnc to this account until XXXX when it was disputed months ago due to fraud.I want my money that was already in the account that was taken and the account fixed.I do not owe that company any money and I will not pay for a fraud item.
Consumer complaint received 2020-10-26
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. (IL)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2020-10-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (FL)

Disputed a charge to XXXX XXXX XXXX  with Chase Bank on XXXX XXXX, 2020, in the amount of {$2200.00}, for items not received. Chase asked for a letter from a Third Party, which we obtained two letters. 

Chase initially provided a credit then reversed the credit on XXXX XXXX, then reversed the credit on {$2200.00}.

The explanation we get from Chase is different every time we call! In the meantime, we have to spend over {$3000.00} with another vendor as we can not get XXXX XXXX XXXX on the phone, to return any phone calls, nothing! 

We paid with our Chase Visa Debit card thinking we had some sort of protection, especially since they charge the vendor/merchant a fee to process the card!
Consumer complaint received 2023-08-24
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. (TX)

After sending a lot of Dispute Letters and FTC reports, these negative items are STILL reporting. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE.
Consumer complaint received 2023-02-13
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. (PA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-02-13
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. (VA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2020-04-30
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. (AR)

This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible. 

XXXX  XXXX {$2400.00} XXXX XXXX XXXX  XXXX {$660.00} XXXX XXXX XXXX {$690.00} XXXX XXXX  XXXX {$2400.00} XXXX XXXX {$89.00} XXXX XXXX {$760.00} XXXX XXXX {$220.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX {$250.00} XXXX XXXX XXXX {$130.00} XXXX XXXXXXXX {$330.00}
Consumer complaint received 2020-10-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: John C. Heath, Attorney at Law, PLLC (TX)

I hired Lexington Law to repair my credit for three months, approximately XXXX XXXX XXXX. I cancelled the service because they were not getting the results I expected. I received a call from Lexington Law around XX/XX/XXXX. I was asked why I cancelled and I told them it was because they sent too few letters and they were not focusing on what was important to me which was removing the bankruptcy public record entries from my credit report. The lady I spoke to told me that they would focus on the bankruptcies and getting those removed and they would charge me a lesser fee. Lexington Law only sent one letter to address one of three bankruptcy entries on my credit files. The other letters they sent were ineffective, I got letters from the credit bureau saying they would not remove the information because Lexington Law had sent multiple letters for the same entry resulting in the credit bureau confirming the debt. I called Lexington Law and cancelled the service on about XX/XX/XXXX. I was supposed to get my first charge XX/XX/XXXX. I received an email confirming the cancel and then this morning I get an email saying my service level has changed and to expect another charge in XXXX. I do not feel Lexington Law did what they promised when I agreed to rejoin therefore I want them to refund me any bill from XX/XX/XXXX and I need to make sure they cancel my service and cease trying to bill me. I tried to text with Lexington Law and no one replies for several hours and I can not get through on their customer service line that keeps saying it is busy.
Consumer complaint received 2020-10-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP (PA)

Hello My Unemployment Usbank Reliacard has been blocked for over 7 days. I have sent in numerous verification documents as requested by the bank to have my unemployment bank card unblocked but still no resolution. I have attempted to contact every source for assistance but still no resolution. My unemployment card is the only source of income that I have. I have sent to the Usbank my personal photo, my identification card and a copy of my home rental lease to also proof identity and residence. This is causing serious issues as I am not able to take my autistic son to see his physician and attend his therapy appointments because I cant use my Unemployment Usbank Reliacard. Any help would be greatly appreciated. Thank you in advance.
Consumer complaint received 2020-10-26
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. (FL)

Remove account which is not belong to me. I am formally requesting that you validate all tradeline notations you have submitted to the three major credit reporting agencies as : XXXX XXXX XXXX XXXX XXXX Account # XXXX Date Opened XX/XX/2013 Due to possible inaccuracies in these CRA reports, I must demand that the validation I hereby lawfully request be in the form of a notarized statement by a person with original knowledge of the debt as it was constituted and who can testify that the debt was incurred legally, was not subsequently disputed as a result of returned, faulty, or recalled consumer products, was not utilized as a profit-loss tax deduction during the period it may have been payable, and was not claimed as a loss with any insuring entity during the period it may have been payable. Please be advised that I am not requesting a verification that you have my mailing address ; rather, I am requesting validation, i.e., competent evidence that I had some contractual obligation sans consumer protection encumbrance which incurred the original claims associated with this tradeline. 

Please know that you have 30 days from the tracked and confirmed delivery of this lawful notice to either answer these demands or to remove the associated negative tradeline notations from the CRA reports. Any other action may constitute evidence of your intent to abridge one or more civil or other constitutional rights. Please be further advised that continued unsubstantiated reporting of possible inaccuracies to third parties may provide a basis for criminal complaints being filed in accordance with FCBA, FCRA, and other federal statutes.
Consumer complaint received 2020-10-26
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I have been dealing with this nonsense since XX/XX/2020. XXXX fraudulently charged my account for the amount of {$130.00} ( or whatever XXXX times 2 is ) I have proven to my bank BOA through photos from shipping company, photos taken within my HIGHLY secured building signed by management and dated, reports from police, Postal Inspector mail identity theft reports and Postal Inspector crime reports, reports with the XXXX XXXX XXXX and the fact I have a name XXXX XXXX of which there are over 19 email correspondence with that they know they have fraudulently charged me. They know they are illegally holding my money but they absolutely refuse to give me my money unless I drop all charges against them. Which I will not do and it is illegal for them to even demand that.
Consumer complaint received 2020-10-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I sent a letter via mail on XX/XX/2020 regarding inaccurate information on my credit report. This a clear violation of FCRA this report contains medical information with is a violation of my privacy. I never gave this company written consent to publish or furnish any of the following accounts. This is a violation of the FCRA 15 usc 1681 1681b. Its been over the 30 days provided to investigate. This has caused me stress and is bad reputation of me as a consumer.
Consumer complaint received 2020-06-18
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Unexpected or other fees — 
Company: PNC Bank N.A. (FL)

Trying to transfer and link my PNC Bank XXXX card to the XXXX XXXX XXXXXXXX to invest and it seems my account with XXXX  will not allow me to fo so. 0 out of many of my multiple attempts have failed. I'd like this fixed please. It's my money and should have use if it as id like.