davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-28
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY (FL)

I am filing this complaint regarding a XXXX XXXX credit card ending in acct # XXXX. Last yr the annual fee was billed for this card yr and I contact American Express to cancel the card. The company advised me that they would make an offer to me as a long term user of the card an annual fee reduction of {$450.00} if I spent {$3000.00} on the card. I did spend {$3000.00} on the card and got the {$450.00} credit. I was just billed for the next card year fee for the same card. I contacted the company via chat and they told me they would cancel the card for me, but they would claw back {$450.00} in the fee waiver from the prioor year. This is most definitely a deceptiove practice. I was at no time told that if I accepted that fee reduction ( based on spend in XXXX ) that I would need to renew the card at {$650.00} or whatever the fee is in XXXX again. I really could not believe this as a customer for more than 35 years. They advised me they are rebilling me {$450.00} and effectively clawing back that fee reduction. I did not attempt to cancel the card until I was billed the new fee for the next card year.
Consumer complaint received 2023-04-01
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. (NJ)

I have sent several disputes to Equifax, XXXX, XXXX stating that an account was not mine and it was due to fraud. I showed proof that this fraud was done by an apartment complex and I showed proof of taking them to court to sue them over fraud. XXXX and XXXX deleted it off my credit report but Equifax refuses to remove it. I even hired a credit repair company to dispute it and they still denied the dispute. I will like XXXX XXXX of {$270.00} removed from my credit report. Also on XXXX XXXX XXXX I sent all XXXX credit bureau my accurate name and address along with social and employment and phone number. I asked that any inaccurate information on my credit report to be removed because I fear for future fraudulent activity. I am trying to correct my credit so I can be able to purchase a home in my near future. I sent letters to XXXX, XXXX, Equifax. 
XXXX still has inaccurate information on my credit report even after me showing proof. I also will like this inaccurate information removed. It has reached the 30 day mark for all corrections since the disputes.
Consumer complaint received 2024-08-28
Product: Checking or savings account — Checking account
Issue: Incorrect information on your report — Information belongs to someone else
Company: FIFTH THIRD FINANCIAL CORPORATION (GA)

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Georgia,XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX 
Attn : Consumer Relations XXXX XXXX XXXX XXXX, MN XXXX Subject : Dispute of Inaccurate Information in My XXXX Report To Whom It May Concern : I am writing to formally dispute inaccurate information that appears on my XXXX report, as provided under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. The information I am disputing is erroneous and does not accurately reflect my banking history. 

Below is the incorrect information that appears on my report : Fifth Third Fraudulent account inquiry XX/XX/year> Under the FCRA, credit reporting agencies, including XXXX, are required to investigate any disputed items within 30 days of receiving a dispute. Additionally, the FCRA mandates that any information found to be inaccurate, incomplete, or unverifiable must be corrected or deleted. Specifically, Section 611 of the FCRA requires that XXXX remove any information that can not be verified within this timeframe. 

I request that you investigate the information I have disputed and remove any inaccurate information from my XXXX report. Enclosed are copies of documents that support my position ( e.g., bank statements, confirmation of payment, or other relevant records ). 

Please send me a written statement of the results of your investigation and a free copy of my updated XXXX report once the investigation is complete. If this incorrect information has been shared with other parties, I request that those parties be notified of the corrections. 

Thank you for your prompt attention to this matter. I look forward to your timely resolution of my dispute in accordance with the law. 

Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-28
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (MA)

I received a phone call from Citi Card in XXXX asking me if I did certain transactions as they were concerned about Fraud. I verified the transaction that I did not do and they reversed them and sent me a new Credit Card. In error they reversed a transaction from XXXX XXXX that was authorized. I called the Citi Card on XX/XX/XXXX and spoke with XXXX, Explained that the amount of the Oil bill shows paid for {$910.00} but the oil company did not receive the funds. She gave me a Case # XXXX and I thought that was going to be the end of it. On my XXXX statement I noticed I was credited for {$910.00} which would have offset the charge in XXXX but then I was charged twice under purchases. I called on XX/XX/XXXX and spoke with XXXX and asked for a supervisor which I supposedly got XXXX which gave me a phone # to XXXX XXXX XXXX and said i have to speak with them. I called and was told someone would call me withing 5-7 business days. I did not hear from anyone and when I received my bill for XXXX I noticed I was credited for {$910.00} and them charged for {$910.00}, so I am still being charged for one extra {$910.00}. I called again on XXXX XXXX and was transfered to the billing dispute dept. by XXXX. I spoke with XXXX and he assured me I would get Provisional credit again for the amount and the interest which I did for {$910.00} and XXXX. I was also charged the {$910.00} again under purchases. I called again on XXXX XXXX and spoke with XXXX, when I got my XXXX bill and saw I was charged again. She suggested I call and order an Audit on my account. I called and they said I would need to be available for any questions during the audit. I was going out of the country for 3 weeks and I said I would call when I got back. I called On XX/XX/XXXX and spoke with XXXX that said the audit would take a week to 10 days. Did not hear anything, called back XXXX XXXX spoke with XXXX she transferred me to Supervisor XXXX and told me I needed to go online and I could see the progress. I told him I don't want to go online I want an answer. He said he could not do anything for me!!!!! I called again on XX/XX/XXXX and spoke with XXXX who transfered me to a supervisor XXXX He agreed I was charged twice and that I would see the credit on my next statement. Well ofcourse I did not. I called again on XX/XX/XXXX spoke with XXXX and she was going to expedite investigation on case appeal. I would receive an update in the mail from XXXX?? I have finally had it and called XXXX XXXX but they just sent me an email saying to contact you. I am beyond frustrated and don't know what else to do. I hope you can rectify this for me.
Consumer complaint received 2024-08-28
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (AR)

Hello, I recently received a letter from the district court of XXXX XXXX Arkansas XXXX XXXX  as of XX/XX/year> The plaintiff is Portfolio Recovery Associates and I do not know as to what is going on and why they are suing me. This is very stressful for me and my family being that my son is going through XXXX and this agency is suing me for what? 

I have had previous bad involvement with this agency with harassing mail and violating my rights as a consumer. I need your assistance finding out why they continually harass me over ancient debt. This is causing me to have XXXX XXXX and I need to stay as healthy as possible to care for my XXXX children especially my son who is dealing with his XXXX battle. I wish they would LEAVE me alone please!!! I just received this letter and have not responded to this letter.
Consumer complaint received 2024-08-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: HUNTINGTON NATIONAL BANK, THE (MI)

My name is XXXX XXXX. I have previously had an account with huntington bank prior to moving across the state. I work XXXX hour days in XXXX XXXX and found out earlier this summer I would be XXXX back near XXXX XXXX. While preparing to make the XXXX hour move I opened a Huntington account up and had a few deposits posted. I used my huntington debit card # XXXX once during this time at XXXX XXXX since I still had my primary account opened elsewhere. My wallet and phone fell out of my pocket at this time in the parking lot and was picked up the next day after calling around the area. I opened my wallet and after a quick glance everything appeared there. I set up my direct deposit for my account and all was good to go. While changing my address in the app I found out my balance was negative. I had a few deposits in the account so this was alarming. I reached our to customer service after seeing transactions that I did not make. Customer service filed a dispute for me and said I would receive credit that business day. My huntington debit card, credit card from another bank, and ssn card were taken from my wallet while it had been lost. The next day I checked my account and there were not any credits. I couldn't log in. Customer service said my account is pending closure but I might get my money back if ruled in my favor. This is wrong!!! I work XXXX hour shifts XXXX days a week in XXXX XXXX to get the run around from this bank! I was previously a huntington customer, what a great welcome back! I have no issue taking this up with an attorney. An ftc identity theft afidavit and fraud block has been put on my credit reports as well with this mess. Huntington needs to refund me the unauthorized transactions immediately. This is ludacris.
Consumer complaint received 2024-08-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Control, LLC (CA)

Credit Control , LLC XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, MO XXXX XXXX Reference # ; XXXX XXXX XXXX XXXX, XXXX Acct number ending XXXX As of XX/XX/year> owed {$740.00} Asking me to pay 1 time {$330.00} to resolve the " DEBT '' Wants me to make check payable to Credit Control , LLC Include reference number XXXX
Consumer complaint received 2024-10-28
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. (OK)

Despite my previous three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. In their responses to my dispute letters, they stated that they have verified the items listed as accurate but failed to send me copies of the documents used to verify these accounts, as per my request.

Their failure to provide these documents indicates that they can not and did not verify any of the disputed accounts as claimed. Furthermore, their failure to delete the disputed accounts that they can not verify after three written requests demonstrates a willful disregard of Federal Law.

Please review the attached letter. Thank you for your assistance.
Consumer complaint received 2024-08-28
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: GOLDMAN SACHS BANK USA (MA)

I XXXX opened the account and deposited money on XX/XX/XXXX. I deposited more in the following days ( to a balance over {$13000.00} ). On XX/XX/XXXX, I realized that I needed to pay more money for tuition to my school, and attempted to do so ( {$2100.00} ) out of the savings account. The next day, my account was locked, and when I called Goldman Sachs, they said they closed my account. I have received no information regarding how/when I will get my money back. I need my money back immediately so that I can pay tuition, but I've not received any word on how or when this will happen, if at all. I'd like it to be deposited back into my checking account.
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

I recently paid off my Capital One Auto Loan in early XX/XX/year> and CapitalOne reported in XXXX that my account is still open with an outstanding balance. 

I have contacted Capital One Auto several times requesting that they update the reporting to the credit reporting agencies showing the account is paid in full.
Consumer complaint received 2024-08-28
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: LEXISNEXIS (CA)

I would like to dispute inaccurate and harmful information on my credit report that is negatively impacting my XXXX score. 
Below are the details of the accounts in question : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-08-28
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Payward Ventures Inc. dba Kraken (MN)

Commencing on or about XXXX, 2024, I fell victim to a multi-layered scam operation run by XXXX XXXX XXXX ( the Company ), which involved me making deposits for a total amount of XXXX USD from my XXXX account to fraudulent investment firm ( XXXX ).
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I strongly urge you to promptly address this error and clear me of any responsibility. It is vital that you conduct a thorough investigation into this matter and rectify the mistake swiftly. Your immediate attention to this matter is highly appreciated.
Consumer complaint received 2024-08-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

Early in XXXX have a XXXX 's guy trying to talk to me over on XXXX, he ask me on the messenger, he said he going to help with his charity in XXXX he said i should go with him and i said i can not go i need to work and take care my kids in school and after couple days he came back to ask me again why i don't love my XXXX 's people and i said i will do later, i ca not be able to do it right now, and after couple of days he asked me again, and i said i don't know how to do it, and he walks me through the online create an account with XXXX  and XXXX  account, i have to deposits 4 times into account totals is {$6000.00} after that i felt i lost money, i called FBI for help.
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (GA)

" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. 
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''
Consumer complaint received 2024-10-02
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: EQUIFAX, INC. (MO)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-08-28
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CREDIT ACCEPTANCE CORPORATION (LA)

The date on the judgment from the state of Delaware is XX/XX/XXXX and was sent to and served at an address where I lived temporarily in XXXX. Since then I have lived in XXXX XXXX XXXX This vehicle was purchased in XXXX XXXX XXXX XXXXXXXX XXXX and I was the co-signer. 
XXXX XXXX in XXXX was in a XXXX XXXX  and passed away in XXXX. 
I had tried several times to get this removed from my credit report and just this year it was finally removed as it had fallen off per the 7-year rule. 
Only the first maybe XXXX payments were made on this vehicle so payments stopped in XXXX a year before they repossessed the car in XXXXXXXX XXXX XXXX XXXX of XXXX. 
I just received a writ of garnishment for this debt from my employer the USPS. I am currently out of work on XXXX and XXXX since XX/XX/XXXX. 
I believe the statute of limitations has passed for this debt and that I am not responsible. 
The general rule is that a creditor must present any claim within 6 months after the decedent 's death which was not done to my knowledge
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: LEXISNEXIS (NY)

I would like to dispute inaccurate and harmful information on my credit report that is negatively impacting my XXXX score. 
Below are the details of the accounts in question : 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 XXXXXXXX XX/XX/XXXX
Consumer complaint received 2024-10-02
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: EQUIFAX, INC. (IL)

I have been a victim of identity theft the following accounts are fraudulent I have put up a list of things inaccurate and unauthorized showing below with an police report ftc report with my drivers license and XXXX pieces of mail with my social security card and the letters I have repeatedly sent all three credit bureau
Consumer complaint received 2024-08-28
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: TransferWise Ltd (IL)

On XX/XX/year> at XXXX I made a money transfer with TransferWize for $ XXXX, and was told I would receive my money in seconds. From seconds it went to about XXXX different times to the next day, which it today, XX/XX/year>. XXXX  it says at XXXX : XXXX, then XXXX, then XXXX to XXXX : XXXX to on hold. 

I called at XXXX on XX/XX/year>, then at XXXX. and got XXXX different reasons why Im not receiving my money and that they were working on it. Ive had this problem with them several times and now Im making a formal complaint.
Consumer complaint received 2024-08-28
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: CORELOGIC INC (DC)

Unauthorized credit inquiry on credit report due to fraud. XX/XX/2024 a hard inquiry was initiated on my credit profile without my knowledge or consent. This constitutes as a violation of the FCRA. Please have inquiry deleted and/or removed from consumer credit profile immediately.