davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: NAVY FEDERAL CREDIT UNION (GA)

I am writing to dispute the following information in my file. I recently received a copy of my transunion credit report. The credit report showed credit inquiries that I dont recall authorizing. I understand that you shouldnt be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to require credit. 
The FCRA states that the only permissible purpose for pulling someones credit is for : A. Firm offer of credit B. Insurance C. Employment D. Court order The following credit inquiries are related to none of the aforementioned permissible * NAVY FCU XXXX XXXX / XXXX * XXXX XXXX  XXXX XXXX XXXX XXXX Please remove these inquiries from my credit report immediately.
Consumer complaint received 2024-01-15
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. (FL)

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still accounts that need to be addressed again and corrected immediately. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. Please update or remove the following inaccurate accounts in my report : 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 2024-02-12
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Chime Financial Inc (NV)

I made a call to Chime support to file a complaint concerning a cheque and they said a representative will give me a call back to resolve my issue. 

I got a call back from a scammer thinking they were a Chime representative, the Chime representative made me do a transfer of {$500.00} to Chime user ( XXXX XXXXXXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXXXXXX XXXX for verification purposes. 

They said I would get a refund after my accounts been verified.
Consumer complaint received 2024-02-12
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (ME)

On XX/XX/XXXX, I received an offer from American Express for a lower interest rate ( 6.99 % ) on my credit card, effective immediately. Anticipating expenses in XXXX and disliking their 20.99 % interest rate, I applied that day and immediately got a confirmation, that charges from that day forth for a year would receive the lower interest rate.. 
Weeks later in mid-XXXX, I received my monthly bill. In addition to a previous balance, there were {$680.00} of new charges that preceded the XX/XX/XXXX enrollment, and {$4900.00} of charges after the enrollment date. However the statement only listed {$570.00} as being subject to the lower rate, instead of {$4900.00}. 
I called Amex on XX/XX/XXXX and spoke with XXXX for about 90 minutes, getting nowhere. When I asked repeatedly for an explanation, he repeatedly asked me to hold and then returned to say that an explanation would be mailed. I repeated asked for not only an explanation but a correction. 
Within a few days, I received two form letters from Amex. The first said that while they are investigation I am not responsible for the {$570.00} ( not the issue, in my mind ). The second was a long and confusing letter about how Amex calculates various interest charges. Finally, a few days later, I received an envelope listing all charges for several months. 
As of today, I still have no explanation or resolution.
Consumer complaint received 2023-08-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

The XXXX XXXX XXXX  being reported on my credit is not mine. I am listed as an authorized user on the account but I have nothing to do with the account and Equifax will not remove me from the account.
Consumer complaint received 2024-01-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I just looked at a copy of my credit report. It stated that the credit inquiries mentioned below were the source of the credit request. On the other hand, I did not authorize these inquiries. I'm sending this to dispute these inquiries and request that it be taken off my credit report as a result. 
XXXX XX/XX/XXXX XXXXXXXX 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 XX/XX/XXXX
Consumer complaint received 2023-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

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. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. 

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 2024-05-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am a hardworking individual has been diligently paying my accounts on time for the quite a long time. However, upon reviewing my credit report, I discover several instances of late payments recorded by these creditors. Perplexed by this discrepancy, I contacted these creditors to inquire about the inaccuracies. After discussing the matter with a customer service representative and the billing department, it becomes evident that there was a mutual agreement between me and these creditors to adjust the payment schedule due to unforeseen circumstances. Despite adhering to this adjusted schedule, the payments were mistakenly marked as late in the system. Understanding the gravity of the situation, these creditors swiftly acknowledge the error and assures me that the inaccurate late payments will be rectified. Additionally, they offer to provide written documentation of the agreed-upon payment schedule to prevent any future misunderstandings.
Consumer complaint received 2024-02-12
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: AMERICAN EXPRESS COMPANY (CA)

XX/XX/XXXX : Received American Express email to my email account offering {$350.00} bonus on a new HYSA ( body of email mentioned my husband 's name ). 

Called AMEX on XX/XX/XXXX to ask if I could open an account in my name and receive the same bonus. Was told " yes '', so opened an account. 
Wording on the email included this language : " Offer available to email recipients who dont have an existing American Express Savings account. 
Funds must be deposited by XX/XX/XXXX and held through XX/XX/XXXX. '' Bonus was payable after XX/XX/XXXX. I called AMEX on XX/XX/XXXX to ask why I didn't receive bonus. They said they'd open a ticket. 

On XX/XX/XXXX, Customer Service said they'd submit a Research Request '' requesting the bonus. 

On XX/XX/XXXX ; Supervisor called to say I didn't qualify, only my husband would have. When I explained that I had asked that question when opening the account and was assured I was eligible, she said AMEX sends out XXXX of emails and couldn't know who would be eligible. 

XX/XX/XXXX : Left another request for a supervisor call back. No response to date.
Consumer complaint received 2024-02-12
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. (CA)

Respected Sir/Madam, I am writing to file a formal complaint regarding an erroneous wire transfer of the amount of {$6000.00} facilitated by Chase Bank on XXXX XXXX XXXX. I, XXXX XXXX XXXX, a resident of XXXX, initiated a wire transfer from XXXX to my daughter 's XXXX checking account in the US, intending to deposit funds for her education. However, due to a single-digit error in the account number, the transfer was misdirected. 

Specifically, on XXXX XXXX XXXX, I provided all required information accurately, including the legal name and routing number. However, I inadvertently entered the incorrect account number. The correct account number should have ended with " XXXX, '' but I mistakenly entered " XXXX. '' As a result, the funds were deposited into the wrong account. 

Despite numerous attempts to rectify the situation and retrieve the funds, I have encountered significant obstacles in communicating with Chase Bank. The bank has failed to provide adequate assistance in resolving this matter, leaving me no choice but to pursue legal action. 

Furthermore, I have sought advice from the Bank Manager in XXXX, where the transfer originated, who has recommended legal recourse in the United States against both Chase Bank and the individual who received the funds in error. 

Due to the significant time zone difference between XXXX and the United States, it is challenging for me to communicate in US business hours. Therefore, I hereby authorize my son-in-law, XXXX XXXX, whose contact information is provided below, to act on my behalf in all matters related to this dispute. He possesses comprehensive knowledge of the incident and is fully capable of providing any necessary information. 

I urge Chase Bank to promptly address this matter and take appropriate action to recover the misdirected funds. These funds were intended for my daughter 's education, and any assistance in resolving this issue would be greatly appreciated. 

Please acknowledge receipt of this complaint at your earliest convenience. 

Sincerely, XXXX XXXX XXXX XXXX Authorized Representative : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA, XXXX Phone : XXXX ( XXXX ) XXXX
Consumer complaint received 2024-04-12
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: FISERV INC. (CT)

In XX/XX/XXXX, I attempted to use my prepaid card and was unsuccessful. I called Money Network to find out why. I was told that the balance of {$2900.00} had been transferred to a bank account on XX/XX/XXXX. 

I indicated that I wanted to dispute this transaction as it was fraudulent. Several days later I received two pieces of mail from Money Network on the same day. One was a Customer Dispute Form, and the other ( dated one day later ) was a denial letter.

I called customer service to ask why my dispute was denied. They told me that the money had been deposited into the account I intended for it to go into. I told them this was false. Money Network then advised that I could appeal their denial. They instructed me to provide all records of my bank accounts and financial transactions. I submitted the required documentation on XX/XX/XXXX. 

I contacted Money Network on XX/XX/XXXX to follow up. I was told my appeal was again denied because the money had been deposited into my intended account. I asked them to provide the account number it was deposited into, which they did, along with the name of the account holder. It is not my account. I asked for evidence they were using to support their claim that I authorized the transaction. They provided no further evidence beyond a bank account and name. They told me I needed to contact XXXX XXXX, the bank where the money had been deposited. I contacted XXXX XXXX on XX/XX/XXXX. They told me they couldn't help me as I didn't have a bank account with them. Their fraud department advised that I contact the police. I called the police on XX/XX/XXXX and filed a report. 

It appears Money Network has decided to side with the person who stole my money instead of me, the actual card holder. I advised them that I would be contacting CFPB today. 



Please contact me if you require any additional information.
Consumer complaint received 2024-02-13
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (TX)

I dont recognize a charge of XXXX dollars made in XX/XX/XXXX from a place in XXXX XXXX XXXX '', I was here in Texas that day so I couldn't have paid that. My bank account went below XXXX. 
I've disputed this twice with Wells Fargo and they dont see an issue, theres no explanation why and I still have no idea who charged me. 

This same company also charged me on XX/XX/XXXX for XXXX, the method on that one says " card inserted ''. 
But the XXXX transaction didn't have the same method, and I don't recognize any of these two payments.
Consumer complaint received 2024-02-13
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

This debt started in late XXXX XXXX XXXX when I was experiencing a severe health crisis from an at-the-time undiagnosed XXXX XXXX  that made me unable to work. I did not work consistently enough to even look at my debt until this year, XXXX. No payments have EVER been made on this debt. Per XXXX XXXX Portfolio Recovery is claiming that this debt started in XXXX XXXX XXXX  when at that time my credit score was under XXXX and I DID NOT qualify for this type of card. I was temporarily homeless and didn't even have a home address for it to be mailed to between XXXX and XXXX of XXXX. 

I disputed this through XXXX XXXX  and never got a response.
Consumer complaint received 2024-02-13
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc. (FL)

Im starting this dispute because I paid off a collection to Credit Collection Service for XXXX on XX/XX/year>. I was told the item would not be removed but closed and showing that the balance amount will show {$0.00}. They closed the account but still had reported I owe them {$600.00}. I disputed with XXXX who denied my dispute saying that the reporting information was correct even though Ive submitted proof of payment from my bank statement and a letter from the company of payment completion date. I tried to submit another dispute and was unable to and redirected to this website to complete yet another dispute.
Consumer complaint received 2024-02-13
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: Incomm Holdings Inc. (MD)

On XXXX I was catching a flight real quick so I bought this card for {$250.00} because I would need it, unfortunately my water bottle got loosed and the water got on the card and it got damaged I called vanilla and requested for my card to be replaced because the {$250.00} is intact which was also confirmed by vanilla, they requested proof of address too and I sent it to XXXX and after 24 hours I got an update on balance.vanillagift.com I will attach a screenshot here and it says my case has been resolved and my replacement card is on the way, checked with customer service and I was told my replacement card was never sent, I have attached my receipt to this case, and also attached a response from income that my document was received, a receipt is a proof of purchase anywhere in the world, I want my {$250.00} replacement card immediately
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (PA)

Dear XXXX, I am writing to request further information regarding my account with Wells Fargo Card Services , specifically Account # XXXX. Upon reviewing my credit report, I noticed discrepancies related to this account, and I would like to seek clarification. 
Account Information : Creditor : Wells Fargo Card Services Account Number : XXXX I have the following inquiries regarding this account : * A detailed breakdown of the charges associated with Account # XXXX. 
* Explanation for the charge-off status of the account. 
* Any documentation or evidence supporting the validity of the balance claimed. 
Understanding the status and details of this account is crucial to me, as it impacts my financial standing and creditworthiness. Therefore, I kindly request your assistance in providing the requested information. 
Enclosed, please find a copy of my credit report highlighting the account in question for your reference. 
Thank you for your attention to this matter. I eagerly await your response. 
Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-02-13
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The CBE Group, Inc. (NY)

I received the attached letter from a company posing as the CBE group to collect a debt that I supposedly owe XXXX. However, I havent used XXXX in years and have a XXXX balance on my accountthere is no debt. The telephone number ( XXXX ) and mailing address ( XXXX XXXX XXXX ) listed on the letter are different from the real CBE group. This is a fraudulent debt collection attempt. I dont want to reply to them so they can gather more information from me and confirm that it actually is me who lives at this address. I dont know what to do. Thank you for all of your help. I really appreciate it.
Consumer complaint received 2024-08-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

" 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.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them "
Consumer complaint received 2024-02-13
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: WELLS FARGO & COMPANY (IL)

XXXX regular ep payment from my credit union. In XXXX, XXXX I did e-check and paid entire balance and asked for acct. to be closed and did not want to receive any card. Upon checking my acct XXXX, ep of {XXXX interest charge by Wells Fargo on my closed acct. Informed me that interest charge on XXXX XXXX! XXXX paid in full on XXXX. XXXX  ; no mention that day interest charges on XXXX, XXXX. So Interest is paid and I asked for this acct to be finally closed, then comes a fraudulent info tracer charge of XXXX since XXXX XXXX ; it was fraud, but i paid it and asked for acct to be finally closed. I received a letter today, XXXX XXXX from Wells Fargo stating they opened a new account for me and put those fraudulent charges on my new account. I never authorized opening a new acct. Those fraud charges were already paid, how can Wells Fargo do this? I want to be rid of WF for good!
Consumer complaint received 2024-02-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: SELECT PORTFOLIO SERVICING, INC. (DC)

On XXXX XXXX XXXX I contacted Select Portfolio to inquire as to why I have to pay an additional {$320.00} per month for escrow increase. No response was given. A rep ( XXXX ) stated that this is because I don't have escrow in my account. I asked how is that not possible. She stated that she could not explain the increase and had no knowledge of how to explain. She also stated that " several '' calls came in regarding the extremely high increase and that she was not given a reason to give. She also stated that there has been numerous complaints about Select Portfolio 's practices.
Consumer complaint received 2024-07-05
Product: Credit reporting 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. 

Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 XXXX 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.