davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: RentDebt Automated Collections, LLC (NY)

Rent Debt Automated collection I dont know anything about this company. I sent a copy of the police report to the credit bureaus as stated by NY state law. This company Rent Debt Automated Collection has never sent me a package as they stated they need to send proof that they actually sent it to me because I never received any kind of package from them besides them sending a letter to me harassing me even though I sent a copy of the ID identity theft but also gave the all three credit bureaus a copy of my police report as a stated by New York State law.
Consumer complaint received 2024-06-17
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: JPMORGAN CHASE & CO. (DE)

I have an Amazon Rewards credit card account with Chase bank for approximately ten years. I have had no problem until this recent incident. I observed in XXXX that approximately {$2000.00} worth of charges had been fraudulently made through my account in the months of XXXX. I reported the charges in XXXX. There are approximately 10 charges through a vendor starting with XXXX followed by different names ( no one I know or connected to the account ). These transactions are out of character for the account ( it is only used for Amazon purchases and XXXX ) and clearly fraudulent, from some kind of hacking to my bank account details. 

Chase did an investigation and said that the charges were my responsibility since it was through an XXXX wallet account. I do not have an XXXX phone or XXXX wallet. I informed them about this. They told me that I had to investigate this myself and will not reverse the charges. They would not do any further investigation to help me to work out how to pursue this even when I requested support and information. Even though I am clearly a victim of online consumer fraud in relation to these charges, Chase did nothing to support me to pursue and reverse these charges or investigate the fraud. 

One person I spoke to at Chase said I could appeal this decision and have it re-investigate. When I spoke to XXXX, a Supervisor in the Fraud department, she said there would be no further investigation. So I have also been unable to lodge an appeal.
Consumer complaint received 2024-05-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (GA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-06-17
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: EVERBANK, NATIONAL ASSOCIATION (KY)

Somewhere XX/XX/year>2024, I applied for Everbank Savings account, after successfully submitting application online, there was a notice for a 3 days review on the application page. 

I had no response from Everbank whatsoever, no email to even confirm that I submitted application, no mail notice whatsoever and no communication from Everbank. 

This Month XXXX, 2024. I applied for the same Savings account and got the same notice for 3 days review on the application page online. 

This time I decided to call in immediately to get an update on the application. I spoke to one customer support and she suggested waiting out the 3 days review without even checking on the application. She also went ahead and said that I could check application status by setting up online account which seemed odd because I'm only used to setting up online account that is after applications are approved. 

I tried setting up the online account anyways and received an error ( attached ). 

Today XX/XX/year>2024, I called in to get the status of the application only to be told both applications on XXXX and XXXX were denied immediately after application was submitted. I asked her why I didn't receive any notice via email or mail regarding the application denial, even my application from XX/XX/year>2024 because I have not received any mail from Everbank. 

She's said she will give me a number to call to get more information on the application. I took the number only for her to mention that the number provided is to reach XXXX ( XXXX XXXX XXXX ). To point were she claim mail was sent by XXXX because I havent received any. 

How absurd! I need a notice from Everbank stating why both applications were denied and the inadequate service Everbank is providing to me be accounted for. As far as I'm concerned, my XXXX disclosure report is up to date. 

What is not up to date is XXXX communications from Everbank regarding my application and also, I didn't apply for an account with XXXX. The job of XXXX is to provide Everbank with my consumer report.
Consumer complaint received 2024-06-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: BMO Bank, N.A. (CA)

I am a victim of identity theft. I have denied a new bank account on XXXX because of an account at BMO Bank having been reported to XXXX. I never opened an account at BMO Bank and this account is fraud. I have called many times to BMO Bank but they are not able to help me. This is very frustrating because I am just a college student and have no access to a bank account. I ask that you please look into this so that I can have a bank account. I have put my personal info below so that you can quickly locate my account. When I called BMO Bank they refused to provide me a bank account number. 

My personal info ; XXXX XXXX XXXX XXXX : XX/XX/year> SSN # : XXXX
Consumer complaint received 2024-06-17
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CLGF Holdco 1, LLC (MI)

I APPLIED FOR A MILESTONE/CONCORA CREDIT CARD IN XXXX OF 2024. HAD THE CARD FOR QUITE SOME TIME BEFORE I ACTIVATED THE ACCOUNT IN XXXX OF 2024. I WAS CHARGED AN ANNUAL FEE OF {$170.00}. ANNUAL FEE IS 12 MONTHS, 365 DAYS A YEAR. I PAID THE CARD OFF IN XXXX OF 2024 AND WAITED FOR THE PAYMENT TO POST AND CALLED IN TO CLOSE OUT THE ACCOUNT IN THE BEGINNING OF XXXX OF 2024. REPRESENTATIVE I SPOKE WITH CLOSED OUT MY ACCOUNT AND I STATED THAT I DO NOT WANT THE CARD ANY LONGER AND SINCE I AM CLOSING OUT THE ACCOUNT THE REPRESENTATIVE STATED THAT I WAS ALL SET, THE ACCOUNT WAS CLOSED AND HAD NO FUTHER OBLIGATION TO THE ACCOUNT. I EVEN RECEIVED A LETTER FROM CONCORA/MILESTONE STATING THE ACCOUNT WAS CLOSED. THE BEGINNING OF XXXX I KEEP RECEIVING TEXT MESSAGES FOR A PAYMENT DUE, PUZZLED AS TO WHY, I REACHED OUT TO THE COMPANY. AGAIN SPOKE WITH SOMEONE AND THEY STATED THE ACCOUNT WAS CLOSED. ASKED THEM AS TO WHY DO I KEEP RECEIVING MESSAGES ABOUT A PAYMENT. I WAS INFORMED THAT IT'S POSSIBLE THE WEBSITE AND/OR APP HAS NOT BEEN UPDATED BUT SHOULD REFLECT YOUR CLOSED ACCOUNT SOON. I THANKED THE REPRESENTATIVE AND HUNG UP. A FEW DAY LATER GOT ANOTHER MESSAGE THE ACCOUNT WAS PAST DUE AND A {$30.00} FEE WAS CHARGED TO ME! I CALLED AGAIN EXPLAINED I CLOSED OUT THE ACCOUNT AND WAS NO LONGER LIABLE FOR THE CARD. I GOT TRASFERRED MULTIPLE TIMES AS TO NO ONE COULD EXPLAIN TO ME WHY. FINALLY SPOKE TO A SUPPOSED MANAGER WHO WAS RUDE AND NASTY TO ME AND I EXPLAINED TO HER WHAT I'VE EXPLAINED TO OTHER REPRESENTATIVES AND SHE SAID WELL WE DO NOT OPERATE LIKE THAT. YOU ACTIVATE THE CARD AND YOU ARE RESPONSIBLE FOR THE {$170.00} ANNUAL FEE. I EXPLAINED TO HER WHAT WAS USED WAS PAID OFF IN FULL AND I CLOSED THE CARD OUT A FEW DAYS LATER. I THEN EXPLAINED THAT ANNUAL MEAN 12 MONTHS, 365 DAYS AND HOW IS IT FAIR TO ME AS A CONSUMER TO PAY AN ANNUAL FEE FOR A CARD THAT I CLOSED OUT LESS THAN 90 DAYS LATER AND NO INTENTION TO USE FURTHER? HOW ARE THESE PRATICES FOR US CONSUMERS FAIR? WHY DO THESE COMPANIES THINK IT IS FAIR TO TAKE OUR MONEY? NOW, THIS CARD I AM PAST DUE BECAUSE OF THE ANNUAL FEE THAT I REFUSE TO PAY AND IF I DON'T FEEL IT IS RIGHT FOR ME TO " THROW MY MONEY AWAY '' INTO THEIR POCKETS FOR A CARD THAT IS CLOSED AND NO LONGER WANT. NOW IF I DO NOT GIVE THIS UNETHICAL COMPANY THE MONEY FOR THE ANNUAL FEE FOR A CLOSED CARD THEY WILL REPORT THIS NEGATIVELY TO MY CREDIT REPORT. HOW IS THAT FAIR TO ME WHEN I COMPLETED MY OBLIGATION AND NOW I HAVE TO BE PENALIZED?
Consumer complaint received 2024-06-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: DISCOVER BANK (CA)

In accordance with the fair credit reporting act this creditor has violated my rights under 15 usc 1681 section 602 states i have the right to privacy. 15 usc 1681 section 604 ( a ) section 2 also states a consumer reporting agency cant furnish an account without my written instructions. Under 15 usc 1666 ( b ) a creditor can not treat a payment on a credit card account under open end consumer credit plan as late for any purpose
Consumer complaint received 2024-06-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (NY)

XX/XX/XXXX XXXX XXXX 'd {$1000.00} 2 times, totaling {$2000.00} from my Chase checking account to a scammer who hacked my emails. I have tried to handle this with Chase since that day, including filing a police report at their request and providing all of the necessary information and they have not helped in any way. I have spoken to over XXXX people and have called at least once a week since XXXX and have not received ANY help from Chase. I have been mistreated, misguided and treated horribly. A rep even made me cry over the phone, and they have done nothing to handle this situation. 
I am a long time customer with multiple accounts and they have done everything to help the scammer and nothing to help me. 
This case has been at the XXXX office level and still, no acknowledgment of this situation, no returned phone calls, no correspondence and no help. 
I need assistance and guidance with how to get my money back, as I still need to pay the correct person. I am desperate for help. I am a young widow with XXXX kids and need this money back. Thank you in advance.
Consumer complaint received 2024-06-17
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (PA)

This is a complaint about an unsuspected credit card " convenience fee '' imposed by a local retail store, XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX, XXXX, PA XXXX. The credit receipt showed a total of {$42.00}. My just received XXXX XXXX XXXX XXXX by Citi monthly statement showed a charge of {$43.00}. 

The difference, {$1.00}, upon closer examination of the receipt is due to a " 4 % Credit Card Convenience Fee for all Credit/Debit Card Payments '' .

Here are the details, which will prove the store 's 4 % surcharge incorporates the sales tax charge not just 4 % of the sub-total. 
Sub Total : {$38.00} Tax : XXXX XXXX : {$42.00} Thank you for the work you do to protect consumers against these added fees. 
Additional documentation is available should you request it. You can reach me at XXXX or via email.
Consumer complaint received 2024-09-10
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. (OH)

" 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 2023-07-07
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: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-06-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: PENTAGON FEDERAL CREDIT UNION (DC)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.
Consumer complaint received 2024-05-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

XXXX IS REPORTING NEGATIVE INFORMATION ON MY CREDIT REPORT. XXXX WAS PREVIOUSLY REMOVED FROM MY CREDIT REPORT AND HAS SINCE CAME BACK AND IS GREATLY INTERFERING WIRH MY CREDIT WORTHINESS I HAVE NO KNOWLEDGE OF THIS ACCOUNT AND IS DUE TO IDENTITY THEFT
Consumer complaint received 2024-05-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
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 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 XXXX XXXX
Consumer complaint received 2024-06-17
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (AZ)

It started when my wife, XXXX and I took a trip to XXXX. We had used our XXXX XXXX XXXX credit card at the XXXX XXXX XXXX to check in an extra bag. I can't quite recall what I did to my credit card because we were rushing to our flight. When we got to XXXX, Washington, my mother used her XXXX Credit card and covered my expenses. My wife and I covered tip and used cash when paying for small stuff. We were there for about 4 days. When we got back, we needed to grab gas and decided to stop at a XXXX gas station and when we went to pay, I couldn't find the XXXX credit card. We ended up having to go inside to pay with a {$20.00} and rushed home. The following morning we logged into our chase account to lock the card and noticed so many transactions on the card. We immediately reported it and had someone help us dispute the charges for a lost/stolen card. We told the person helping us all the transactions that were not us, we were able to determine that they started from XX/XX/XXXX, XXXX XX/XX/year> and they didn't tell us the total amount that was used. They had sent us a new card about a week later. 2 months later the charges were put back on the new credit card. They requested documents supporting our claims and all we have is a statement of my mom 's credit card that was used to pay. They told us to send it to XXXX, which we did on XX/XX/year>. They then told us that they sent our information to the appropriate department for further review which would take about 5 business days. As of XX/XX/year> they sent us an email stating that they closed all of our credit card accounts. We don't know how to go about providing any other information. We had lost our credit card and didn't even realize it until we got back and it was too late. We didn't make those transactions on that credit card and we are getting blamed for them.
Consumer complaint received 2024-06-17
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem when making payments — 
Company: Hatfield, Inc. (OH)

I took out a line of credit with XXXX XXXX ( grid ) my bank account had to be changed so I tried linking my new account and it would not link .That caused me late payments.I have been trying for months to pay off my line of credit of $ XXXX.I was informed they are not accepting payments right now because of problems with their banking partner XXXX.Although the app is saying my payment is past due I can not make payments .They are destroying my credit because Im getting dinged for being late and from not paying it off.They are also charging interest on the {$200.00} even though no payments can me made at this time.So how do I get out from under this fraudulent company .I just want to pay my loan off and cancel my account .I also want my credit report fixed because they have told me numerous times once I paid my balance off they would fix my late payments.I just want to pay off my debt pleas!!!!
Consumer complaint received 2024-09-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-06-28
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Bank of America representative XXXX XXXX of XXXX XXXX XXXX department. Started I owed a wrong amount since XXXX of XXXX when the account was closed but still incurred illegal late fees. Secondly the representative stated that they will continue to report the charge off indefinitely eventhough the federal statute prohibits 5 years to 7 years in the state of New York. The {$260.00} I do not owe and its been illegally reporting on my credit for 7 years. SECTION 380-J Prohibited information General Business ( GBS ) CHAPTER 20, ARTICLE 25 380-j. iv ) accounts placed for collection or charged to profit and loss which antedate the report by more than seven years ; or accounts placed for collection or charged to profit and loss, which have been paid and which antedate the report by more than five years ;
Consumer complaint received 2024-06-16
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc. (IN)

XX/XX/XXXX two {$1.00} charges were disputed by me and I asked for another XXXX card on XX/XX/XXXX to be sent to me. XX/XX/XXXX at XXXXXXXX XXXX I was charged {$9.00} from XXXX XXXX who is closed on Sundays and doesnt open until XXXX on other days. At XXXXXXXX XXXX on XX/XX/XXXX I was sent {$10.00} to my account and it disappeared. At XXXXXXXX XXXX I went into the support section of XXXX and told them my issues i had. The solution I was given was to submit a complaint to be reviewed. My complaint I submitted XX/XX/XXXX about my account not having my proper information wasnt resolved, So I couldnt submit a complaint about the issue I have now. I told the representative that I was in contact with and was basically told it wasnt their problem. I asked if I could speak to a supervisor and was told there was nothing they could help me with and that they cant speak to me about the issue Ive had. Then I said if they couldnt help me that I would have to go through the ftc or cfpb because i dont feel safe with my money I have with cashapp already. Then, they completely stopped responding and began to ignore me.
Consumer complaint received 2024-06-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (AZ)

I have been very disappointed with the responses on my fraud case. I have spoken to a couple of Wells Fargo case specialists with no result other than sorry you authorized the fraud we can not help you! ( I did not and I have provided them with proof that it was their authentication system that was used ) I lost nearly XXXX on XX/XX/year> and have not been treated very fair as a customer. This has devastated my life. One specialist even admitted Wells Fargo should have more layers of protection yet the fraudsters win! They have not even offered me a small compensation for their lack of security on their systems. Well Fargo will not provide me anything that proves that they did not commit this fraud against one of their own customers yet I have to try and prove that this was not me and I have to accept their answer that I approved the fraud. I did not. When will Wells Fargo be accountable and provide me proof that they are not responsible for this? They say they are not but they do nothing to provide evidence. Please provide me that evidence. Thank you very much! XXXX XXXX
Consumer complaint received 2023-06-28
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: CAPITAL ONE FINANCIAL CORPORATION (NC)

To whom this may concern, I am writing to request the removal of unauthorized credit inquiries on my ( XXXX XXXX ) credit report. My latest credit report shows ( 15 ) credit inquiries that I did not authorize.