davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-08
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Bread Financial Holdings, Inc. (IL)

During XX/XX/XXXX, I was vacationing in XXXX XXXX, XXXX and was approached by solicitors while visiting an outdoor mall after lunch. They offered a {$300.00} gift card if we went to a meeting to market the XXXX time shares. We did and we ended up signing a contract and they opened up a XXXX XXXX XXXX Account when using the XXXX time share only, not for other general purchases. I sold the XXXX time share during XX/XX/XXXX. Please see attached settlement statement. See letter dated XX/XX/XXXX from XXXX XXXX XXXX Account # XXXX. 

I discovered that because this account # was connected to the XXXX time share, the XXXX XXXX XXXX Account closed also without my knowledge. I discovered that the account was closed on XX/XX/XXXX, a year later when I was trying to log in to online payment account. After calling Comenity Capital Bank, as the bank that issues the XXXX XXXX Credit Card Account, I was sent correspondence dated XX/XX/XXXX with a new account number XXXX, XXXX months later without my authorization or knowledge. I believe Comenity should've included a payoff when we closed on XX/XX/XXXX but somehow missed the opportunity during closing. The proceeds would've paid the debt at that time. Please see the attached. 

I do not believe that I am responsible to pay on a different account that was opened without my knowledge or authorization. The XXXX XXXX credit card should've been included in the settlement statement and the account number ending in XXXX was opened up in my name with authorization and without my knowledge. This poor business practice, poor advertising and marketing has now put the account in collection. I sent letter asking why this happened and Comenity has never responded to any of my correspondence. Thank you for your assistance in this regard.
Consumer complaint received 2024-07-12
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

On Friday XX/XX/year> I received a XXXX payment of {$1000.00} from my roommate. My account was restricted and closed shortly after. I have never committed any fraudulent activity with the account and the money was for rent. I was asked to verify information and after doing so for an hour they closed my account and wouldn't give me any information why. I asked when I'd receive the money and they said that they were unsure. This has put me into a financial crisis all due to Capital One.
Consumer complaint received 2024-04-03
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. (NM)

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 2024-03-27
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: JPMORGAN CHASE & CO. (NJ)

Your company ; CHASE BANK never validated this account if so please give me the method of validation as requested. You never gave me the time or opportunity to access or review this alleged debt reported. I am unaware of this debt, had no opportunity to dispute this alleged debt. If in fact you believe that you gave me proper notification of this alleged debt please send me a copy of the certified receipt with both my name and signature as well as my original contract with my signature.
Consumer complaint received 2024-02-01
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A. (LA)

I've been having a Citi credit card for years. A little over a year ago my card had a fraud alert that someone tried to use my card. I am single and l and NEVER give me card to anyone to use. I called Citi and they had to issue me a new card. I asked them to expedite the shipment of the new card and they did. 

On XX/XX/year>, I had a fraud alert on my new card of only a year. I called Citi and they are going to issue me a new card. I asked them to expedite the shipment of the card as I use this card for everything. I use it to pay my bills, gas, groceries, doctor appts, etc. I rarely use my card to make purchases online!!! NOT SURE HOW THESE FRAUDS ARE OCCURING. The rep says she tried but was having trouble. Today, XX/XX/year>, I go online to my account, and it has NOT shipped yet, so I called customer service again to see if I could get it expedited. I was told " NO, they don't do that anymore. I have to wait 7 to 10 business days for it to be mailed to me. As a long-standing customer with excellent payment history, Citi would not accommodate me. This is very frustrating as I, the customer, is the one who is being penalized for someone trying to use my card. I now have to go to the bank and draw out cash to make my purchases. These credit card companies need to find a better way to get a credit card to an existing customer without this long wait. They also need a better system to protect customers from this kind of fraud taking place. In today 's technology, you would think they would be something safer to use. The card has this XXXX digit code on the back that is supposed to be for that, however, NOT all merchants when ordering online ask for this. Charges to a credit card should require a pin or a fingerprint or something unique to the card holder in order for a purchase to be allowed on anyone 's credit card. 

I am truly frustrated that I am a victim of this, yet I am the one who suffers the most. I will start searching online for another credit card company that I may have to switch to since this is the type of service Citi is providing to it's customers.
Consumer complaint received 2024-01-24
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: BlueChip Financial (OH)

The loan was funded and I was under the assumption that the payments would be monthly but they were taken on my payday. The money was always taken in the morning, prior to my pay being funded, therefore, causing an overdraft! The next day or a few hours, the company returns the payment causing me higher interest fees. This was done twice before I called the company and asked for an explanation. None of the CSR 's could give me a satisfactory answer, therefore, my financial institution has a " DO NOT PAY '' for this merchant. 

I want to pay this loan off, but the company has fees 400 %, which is " Crazy ''!
Consumer complaint received 2024-01-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (TX)

I received an email from Wells Fargo on Friday XX/XX/XXXX at XXXX stating there was a payment card fraud alert. I immediately contacted them to make a claim when I realized my debit card was stolen. There was a holiday over the weekend so I called again on Tuesday XX/XX/XXXX to make sure they had my entire claim of XXXX atm withdrawals of around {$200.00} each and then one charge of {$4.00} that was not made by me and all around the same time of XXXX that evening ( XX/XX/XXXX ). I then gave it a few days and called back yesterday ( XX/XX/XXXX ) to check the status and they said they have denied my claim even thought I tried to take every step necessary aside from getting pictures from the atms ( I am not sure this is possible, but I can try ). They said they couldnt tell me why because it would be considered coaching. I was made to feel like a criminal when Ive been a loyal customer for over a decade.
Consumer complaint received 2024-04-03
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: Experian Information Solutions Inc. (GA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Balance Owed : {$8900.00} XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00}
Consumer complaint received 2024-01-23
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc. (NC)

this place is listed on my credit as national credit system but the original debtor is XXXX XXXX however they are now owned by XXXX XXXX i advised them i never stayed applied nor visited this location ever and they have failed to remove from my credit profile
Consumer complaint received 2024-01-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: FinCo Services Inc DBA Current (CA)

This company is Current bank i have a debit card through them. Theres various transactions in my account, for about XXXX XXXX dollars. Ive been a victim of skimming. Which is when you use your card in public and they use a device to gather your card information and use it as theres on a card and they also have 2 factor authentication bots. I contacted them and told them and they said no credit or anything will be gave and the investigation is over i want an appeal.
Consumer complaint received 2024-01-23
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (HI)

We have had a business account with Wells Fargo for 6 years. All of a sudden Wells Fargo sent us a letter saying that our account will be closed as of XX/XX/2024. The letter says the decision is final and nothing can be done. I called their customer service. They forwarded me to their Loss Prevention Department. I talked to XXXX ( Employee Number XXXX ). He confirmed the decision and said nothing can be done. I asked for a supervisor. He said I can not talk to a supervisor. We have never done anything suspicious.
Consumer complaint received 2024-01-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO. (NY)

I am refiling this complaint to JPMCB CARD for allowing the fraudulent account on my credit report. I filed an FTC report with the report number XXXX. As I checked my credit report this fraudulent account is still reflected on my credit reports. I was expecting that I can count on them to protect my information and to provide accurate credit reports. There are multiple inaccurate information on my credit report the balance, date of late payments, payment status, date of last payment, and violation under FCRA policy. I have attached the FTC report together with my driver 's license and proof of address.
Consumer complaint received 2024-01-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (TX)

I made an online deposit for a Title Company Check. The online system said there would be a hold on the funds until XX/XX/XXXX. Now today, XX/XX/XXXX they decided to change the hold until XX/XX/XXXX due to internal indications of fraudulent activity on the account. Not my account mind you, but on the Title Companys non-Wells Fargo account. No further explanation other than their overnight deposit system flagged it. Ironically I could have taken the check directly to the bank and they would have just cashed it. Now my bills are going to be late!
Consumer complaint received 2024-04-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (GA)

there are a lot of information on my credit that is not correct. I need these items to be remove from my credit report. XXXX XXXX stating 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX these items are not correct please remove them.
Consumer complaint received 2024-04-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

This is my 4th endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance Owed : {$2100.00} XXXX XXXX XXXX Balance Owed : {$66.00} XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX Balance Owed : {$2100.00} XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance Owed : {$2100.00} XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance Owed : {$66.00} XXXX XXXX  XXXX Balance Owed : {$0.00}
Consumer complaint received 2024-04-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MO)

I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.
Consumer complaint received 2024-01-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Spring Oaks Capital, LLC (AZ)

On XX/XX/2023 Spring Oaks Capital was sent certified mail yet keeps illegally reporting to my consumer reports for {$660.00} without my consent or an option to opt out of reporting after they were notified they were in violations of my rights. 15 U.S. Code 6802 - Obligations with respect to disclosures of information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 15 U.S. Code 1681a ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control ; 15 U.S. Code 1692c - Communication in connection with debt collection ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt,
Consumer complaint received 2023-06-20
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: Fidelity National Information Services, Inc. (FNIS) (LA)

Hello, My name is XXXX XXXX XXXX, I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. Im trying to get a new home and these items wheny get me approved. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal trade Commission and I also have enclosed copies of the Federal Trade Commission Identity Theft affidavit Please delete the items as soon as possible.
Consumer complaint received 2023-01-30
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (MA)

I applied for a loan with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, GA XXXX Loan XXXX XXXX XXXX and they didn't approve me. The treatment and customer service made me feel I was not a priority client. I decided to go to another bank and the property had already been appraised and logged on the FHA PortaXXXX. I paid initially XXXX dollars for said appraisal and now they will not release the appraisal to my new lender unless I paid them an additional XXXX. In order to not lose my home purchase, I sent them the additional payment in the way they specifically requested this time, a money order, when they had accepted my debit card before but wouldn't now, it had to be a money order and they still will not release the report. The Loan Originator will not answer my calls and the rest of the team communicating with new lender to facilitate transfer of FHA case REFUSES to send them the appraisal report logged on the property as well. The seller is threatening to cancel purchase at this point and I could lose my deposit because of these people 's irresponsible, unfair and illegal behavior since I was informed that if my loan didn't close with them they do not have the right to collect additional fees. I need the appraisal report I paid for at the very beginning to close my loan which is approved elsewhere and they will not give me access to it. This is unbelievable. I feel I have been taken advantage of and will end up losing the opportunity to get a home for my family. Help.
Consumer complaint received 2023-12-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2024-04-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (IL)

I recently checked my credit reports and am disputing a late payment entry that has been reported by XXXX by error. Pursuant to the provisions of the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), the Fair Credit Billing Act ( 15 U.S.C. 1666 ), and the Fair Credit and Charge Card Disclosure Act ( 15 U.S.C. 1666b ), I request a thorough investigation into this matter to ensure the accuracy and fairness of my credit report. 

I sent on XX/XX/year> a certified mail to XXXX  and the credit bureaus ( see attached ) to dispute the error in the reporting of this late payment as it is negatively affecting my creditworthiness. I have attached relevant supporting documentation, including [ copies of check from XXXXXXXX XXXX evidence of first check mailed ] to substantiate my claim and my good faith.
Consumer complaint received 2024-04-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I received my credit report and found out that someone opened a credit account number XXXX with XXXX XXXX  online using my name, date of birth and social security number. 
I didn't open this account and don't have anything to do with it. I called XXXX XXXX  and filed a complain on XX/XX/2024 at XXXX XXXX. They closed the account but it has a balance of {$4200.00} This damaged my credit score a lot and I also filed a complain with the 3 credit companies. 
I received the result from XXXX as follows : " We investigated the information you disputed and the disputed information was VERIFIED AS ACCURATE. Here is how this item appears on your credit report following our investigation. '' I placed a freeze initiated a fraud on my account. I also filed a police report with XXXX Police Department and filled a claim on www.identitytheft.gov
Consumer complaint received 2024-04-03
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: Experian Information Solutions Inc. (NC)

I am requesting the removal of fraudulent inquiries from my credit report due to the unauthorized and unlawful nature of these inquiries. These fraudulent inquiries not only inaccurately reflect my credit history but also pose a significant risk to my financial well-being and reputation. It is imperative to rectify this situation promptly to safeguard my creditworthiness and ensure the integrity of my credit report. Therefore, I seek the removal of these fraudulent inquiries to restore the accuracy and reliability of my credit profile.