davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-07
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (SC)

I would not recommend chase bank to anyone I had two open claims and both were denied with proof of fraud for {$590.00} & the other with a second opinion like they asked. Not only did they deny my claims but are still holding on to my money. I was scammed in early XXXX & chase did a claim reversal even tho I submitted a police report!!!! Yesterday XXXX chase started blowing me up about a claim I did earlier this month for {$300.00}. I filed a claim because a phone repair place completely destroyed my phone & refused to give me a refund. I filed a claim and was told to send in a second opinion letter which I did stating the phone was scrapped because of the phone repairs companys mistakes. I got a call today that said they wont be accepting the second opinion & probably will be denying the claim. They claim they do their research but didnt even try to reach out to the phone repair company to speak with them about the second opinion they wrote! The claims department is awful! Its bad enough they already closed my accounts and now this.I am so sick of this nasty company! They are no help and will not help you even when you submit the documentation they ask for. They will let the scammers scam you and people get away with taking your money. I can honestly say Im happy I cut ties with chase cause this is ridiculous. I have XXXX left in my account and they wont release it due to the claim. At this point the bank needs to be shut down. I want my account closed and my money back immediately, I want to cut all ties with this bank its no need in holding my money just close the accounts and give me my money back.
Consumer complaint received 2023-11-26
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: AMERICAN EXPRESS COMPANY (CA)

I opened an American express rewards checking account on XX/XX/2023 with the promotion direct deposit XXXX and more get XXXX. I completed the direct deposit requirement on XX/XX/2023. Until now I still haven't received the bonus. The terms clearly mentioned if you are American express business checking account customers, you are not qualified ; if you have an existing rewards checking account, you are not qualified. By checking upon my status, I didn't fall into these 2 categories and therefore I am qualified for the bonus. I have also attached the snapshot of the webpage where I applied for this account. It has the information that I mentioned above. And that is the only information provided from American Express when everyone applies for this rewards account.
Consumer complaint received 2023-10-25
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. (FL)

LATELY I HAVE BEEN SHOPPING FOR A MORTGAGE AND THERE ARE A FEW LENDERS THAT RAN MY CREDIT WITHOUT GETTING BACK TO ME WITH APPROVAL OR DENIAL. I WOULD LIKE THOSE INQUIRIES REMOVED AS THEY WERENT PROCESSED FOR APPLICATION. I STILL DONT HAVE ANY FEEDBACK FROM ANY OF THE LENDERS THAT PULLED MY SCORE AND THE HARD PULLS, PULLED MY SCORE DOWN. I WANT TO REMOVE ALL FREEZES AND FRAUD ALERTS, I DINDNT REQUEST THAT. I ALSO WANT TO REMOVE ALL PRIOR CONSUMER STATEMENTS : INFORMATION OUTDATED AND UPDATE WITH THE ATTACHED ( SEE ATTACHED DOCUMENT ) I WOULD ALSO LIKE THE BUREAUS TO FURNISH PROPER CREDIT CARD USAGE ON CLOSED ACCOUNTS. REPORT XXXX BALANCE ON CLOSED AND WRITE OFF ACCOUNTS AND STOP MONTHLY REPORTING ON CLOSED ACCOUNTS REMOVE AUTO LOAN ACCOUNT WHICH HAS BEEN BREACHED DUE TO DISCOVERY OF DEALER LOAN FRAUD ( PAPERWORK PREVIOUSLY SENT IN ). XXXXXXXX XXXX
Consumer complaint received 2023-05-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Despite several written requests, the ITEMS stated below continue to appear on my credit report, which is a violation of the FCRA. The Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i, within the time frame specified by law, they failed to adequately investigate the situation by using a third party as their verification source, and they continued to report unconfirmed and unverified information. Given my attempts to address it directly with three CREDIT BUREAUS, they are intentionally negligent and in violation of federal statutes, and I require this situation to be resolved immediately. Please remove the following elements from my file : XXXXXXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2023-11-26
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: OneMain Finance Corporation (FL)

This letter serves as a formal complaint that you are reporting inaccurate and incomplete information on my credit report. The notation of the following late payments ) is inaccurate. Please investigate and verify that all data for this account is reporting accurately including every notation date and balance whether reported or not. 
[ XXXX XXXX I also respectfully request to be provided specific proof that these alleged late payments were in fact late. I request to see all statements and payment transaction records from the creditor that would prove that my payment was not submitted on time. I is my understanding that you must verify these items with the reporting creditor for accuracy. If they are unable te provide that proof, or if lacking proof of these payments being late. please update my_payment history to PAANL status ( Paid As Agreed Never Late ) according to consumer protection laws
Consumer complaint received 2023-05-10
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: CAPITAL ONE FINANCIAL CORPORATION (NV)

XX/XX/2023 Walmart+Membership is deducting {$12.00} from my Capital One account ( ending in XXXX ) each month and I DO NOT HAVE A WALMART ACCOUNT XXXX Deduction is on XXXX of every month. 
I have called Capital One and WXXXXXXXX to dispute this auto-charge to XXXX XXXX When I call XXXX they can not match my email with the bank account ( XXXX ) that the money is coming from. 
I am getting robbed each month and there seems to be nothing I can do about it. I have contacted Walmart by phone and by letter. 
At this point, my only option is to cancel my ( XXXX ) account and issue a new card so that this charge can not be deducted any longer, which will be problematic because I have other legitimate charges coming out of this account. This is not good business. I know they can trace where this money is coming from. 
Thank you, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (OH)

I FILED A DISPUTE WITH EQUIFAX ON XX/XX/XXXX AND XX/XX/XXXX the accounts are having a negative effect on my credit report. Equifax refuse to investigage these accounts
Consumer complaint received 2023-12-27
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (IL)

Me and my husband, had checking account and credit card with the Citibank at XXXX and XXXX XXXX in XXXX XXXX. 
They allowed to my husband to send maximum {$10.00} per month to XXXX. 
He had building a three stores building in XXXX, he explains to the Citibank, On month he asked to me to sent 2 times XXXX dollars from my own checking account, to the contractor in XXXX, and then the manager closed my husband accounts and mine too. 
After that many stores like home depot and Macys closed our accounts too. 
I went to the bank one day and ask for that and they told you need to call. When we try to call to the bank nothing happen. No body gave any explanation.
Consumer complaint received 2023-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

I received a letter from Bank of America yesterday, XX/XX/2023. It said that I had attempted to open a credit deposit account. And they declined the alleged action. Not only did I not send a request anything for Bank of America, I have not tried to, or opened any type of credit in the last four or five years. I have one credit card and thats all I need. 
XXXX said that the deposit account was monitored by XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX. They said there were key factors that adversely affected my deposit account score. I dont want a deposit account score I dont want a deposit account. I dont want another credit card. I called them at XXXX XXXX. I believe that number is fraudulent. They asked for my Social Security number. They then gave me a phone number to call the credit bureau at XXXX. I called that number three times. Each time it says that you have been selected for this special program or something like that. It is not a credit bureau. I Believe that this is a fraudulent attempt to obtain personal information and identity theft. 
This is a soft attempt of credit accounts. This needs to stop. No attempt at credit Or Any other type of personal information should ever be given. I really think of this Bank of America letter is fraudulent. 
I also called XXXX. After giving them all the information they requested, they said there was no one to help me and they hung up. This was the bot. Something is going on and I need to have it stopped. 
Bank of America or theyre fraudulent arm rest of my Social Security number. I gave it to you cause I thought they were a bank. Then when I called the early warning system, they also asked for my Social Security number. I think I have been breached. 
My name is XXXX XXXX XXXX, my address is XXXX XXXX XXXX, XXXX,, WA XXXX This credit score. It is a fraudulent attempt at theft of identity to gain access to all my private accounts. Bank, mtg, etc. 
The Bank of America address on the envelope says Bank of America, sales fulfillment, XXXX XXXX XXXX, XXXX, AZ, XXXX There is no address on the correspondence. My home phone number is XXXX, cell phone XXXXThere is no address on the correspondence. My home phone number is XXXX, cell phone XXXX. 
Please contact me at your earliest convenience. 

XXXX XXXX XXXX
Consumer complaint received 2023-12-27
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SYNCHRONY FINANCIAL (FL)

XXXX XXXX XXXX  Appears on my credit report as a COLLECTIONS AGENCY for two SYNCHRONY BANK accounts with balances of {$2300.00} and {$380.00}, respectively. 

AT NO POINT DID I CONTRACT WITH THEM. at no point did I give any consent to SYNCHRONY BANK to disclose not XXXX XXXX XXXXXXXX to request my information. Protected under privacy act of 1974 and 15 usc 6802 which requires both to have received written, verbal and/or non verbal consent from my part. no such authorization was given.

This is not only a VIOLATION of my Privacy which has led to misrepresentation of my credit worthiness and thus caused me damages, such as inability to obtain credit, vehicles, or apply for rental agreements. 

15 U.S. Code 1681. Civil liability for willful noncompliance up to {$1000.00} or greater for damages to me, and my credit report 15 U.S. Code 1681s ( a ) ( 2 ) ( A ) as enforced by Federal Trade Commission, ... .up to $ XXXX violation. 

in collection for/since ( XXXX ) XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. 
for XXXX account and collection XXXX for XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX
Consumer complaint received 2023-10-07
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (MI)

I have filed numerous complaints against national credit services to validate a debt and disputed the debt with Experian multiple times. Attached are the FTC complaints that were also sent to Experian and national credit services. I was a victim of identity theft last year and it has continued. Experian has not removed the trade line from my account as required by law and national credit services has not validated this debt neither has the originating company. It has to be removed by law until it's validated and I have evidence that they can confirm that is actually me who rented this unit.
Consumer complaint received 2024-05-23
Product: Credit card — Store credit card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL (NC)

I opened a TJ Maxx account from synchrony Bank months ago and when I saw the way they were treating me with the Lowes home improvement account. I hurried and paid the TJ Maxx account off and I closed that account. I reapplied for a TJ Maxx account because now I work there. I just received a letter in the mail from synchrony bank that they denied me because of poor credit history paying my bill with them. Well that bill was paid on time all the time and it was paid off. There are some bad shenanigans going on with synchrony bank and Im telling you what if Im the one and only person that does a class action thats whats gon na happen because Im tired of being throttled when Im doing the right thing!
Consumer complaint received 2023-05-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. 

Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX, CA XX/XX/XXXX XXXX XXXX XXXX  XXXX Balance : {$8400.00} XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$1000.00} XXXX ( Original Creditor XXXX XXXX XXXX ) XXXX Balance : {$13000.00}
Consumer complaint received 2023-05-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: LEXISNEXIS (GA)

I file a complaint with LexisNexis to removed incorrect information from my credit report on XX/XX/2023. It has been 30 days since I submitted my request. 

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to XXXX  or any means of automated verification.
Consumer complaint received 2023-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX ; Account Number : XXXX This account has an inaccurate reporting because the date Last Reported on XXXX is XX/XX/XXXX while on TransUnion is XX/XX/XXXX and XXXX is XX/XX/XXXX . The Date Last Active is XX/XX/XXXX on XXXX, XX/XX/XXXX on Transunion and XX/XX/XXXX on XXXX, not all these dates differ and are inaccurate. The Date reported of Last Payment is inaccurate as well XXXX says XX/XX/XXXX, Transunion is XX/XX/XXXX and XXXX is XX/XX/XXXX. As for the Date the account was opened, this information is inaccurate as well ; XXXX is XX/XX/XXXX, Transunion is XX/XX/XXXX and XXXX is XX/XX/XXXX. The creditor 's contact information is missing.
Consumer complaint received 2023-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NJ)

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 2024-05-15
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: EQUIFAX, INC. (IN)

Date : XX/XX/2023 Company : XXXX XXXX Date : XX/XX/2023 Company : XXXX XXXX XXXX XXXX Date : XX/XX/2023 Company : XXXX XXXX XXXX Date : XX/XX/2023 Company : XXXX XXXX Date : XX/XX/2023 Company : XXXX XXXX XXXX XXXX These companies violated my privacy and shared my info without my consent or knowledge I was unaware of inquiries and didnt give them permission or was under any contract with any of these companies
Consumer complaint received 2024-05-07
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: DISCOVER BANK (TX)

I ordered a XXXX XXXX medication from XXXX on XX/XX/XXXX for {$440.00}. It was delivered XX/XX/XXXX. I decided I didnt want to continue with the medication so I cancelled my account. The problem is, is that the medication delivery was cancelled but the billing part wasnt. So I was still charged {$440.00} in XX/XX/XXXX and received no medication in XXXX and then again was charged XX/XX/XXXX the {$440.00} and again received no medication. So they owe me a refund for XX/XX/XXXX for {$440.00} and XX/XX/XXXX for {$440.00}. The delivery confirmation that the company provides Discover is from the initial legitimate order, ordered XX/XX/XXXX and delivered XX/XX/XXXX. Discover does not understand that the delivery and shipping information provided is incorrect and is from XXXX which does not prove that they sent me any medication for the month of XX/XX/XXXX and XX/XX/XXXX.
Consumer complaint received 2023-10-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY (IA)

I have a General Power of Attorney to make decisions on behalf of my husband, who is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  or sign documents ( documented appropriately by his physician ). On Thursday, XX/XX/XXXX, while preparing for the inevitable, I went into my local Wells Fargo bank where my husband and I hold a joint checking account, and asked to remove his name from our account. This was done at the advice of my attorney, in preparation for submitting a Medicaid application, part of which requires my husband to not have any accounts aside from his new account under a Miller Trust. Wells Fargo refused to recognize the Power of Attorney and refused to remove his name from our account, citing that the Power of Attorney does not specifically state that it covers changing ownership of accounts. They would allow me to close the account, but not change ownership of the existing account. 

I consulted the attorney who prepared our Power of Attorney documents, and he contacted the Wells Fargo legal department, which continued to refuse to honor the Power of Attorney document. Our Powers of Attorney are verbatim from the Iowa Uniform Power of Attorney Act, Iowa Code Chapter 633B, section 301 ( Forms ). The Iowa Code Chapter 633B section 208 ( Banks and other financial institutions ) grants the POA holder the authority to " [ c ] ontinue, modify, and terminate an account or other banking arrangement made by or on behalf of the principal. '' I was essentially forced to open a new account in my name alone, and spend hours updating our bills and credit cards with the new account information instead of making the most of the time I have left with my husband. While I was out running around town fighting with the bank and talking with the lawyer, my husband had his best most alert and interactive day in the XXXXXXXX XXXX in a long time, and I was not able to be there to share it with him. He has since taken a significant turn for the worse and will not likely recover to even his previous XXXX XXXX 

I filed a complaint with the bank, and their complaint department responded and acknowledged the Power of Attorney authorities granted under Iowa law, but the Wells Fargo legal department continues to reject my authority to remove his ownership of financial accounts. 

Wells Fargo refuses to honor the full authority of Power of Attorney documents valid under Iowa law and their actions are unnecessarily complicating our Medicaid application process and jeopardizing his approval, upon which we rely for his continued care.
Consumer complaint received 2022-09-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

In accordance with the fair credit reporting act, Experian has violated my rights. 

15 U.S Code 1681 Section 602 states I have the right to privacy 15 U.S. Code 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction.

15 U.S. Code 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2024-05-08
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (MD)

There were 3 transactions in the amounts of {$500.00}, {$500.00}, and {$200.00}, totaling {$1200.00} that was taken out of my XXXX XXXX XXXX checking account all from PayPal transactions. I have a PayPal account I have not used in over two years that I cant access now due to fraud ( account hacked ). I reached out to PayPal and they confirmed the transaction history is not normal, however, they can not refund the {$1200.00} transaction.