davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: AMERICAN EXPRESS COMPANY (IN)

I did not sign up for the " pay over time option ''. I have had the credit card for over 20 years. Always have paid the balance in full. I do not pay interest. But now they have put part of the new charges each month into a " pay over time '' scenario that ALLOWS you to pay that portion of the balance over time. I paid my XXXX balance and XXXX balance IN FULL. I did not take any TIME to pay it. Yet, I have the interest charge. For 2023, the Interest To Date is {$120.00}. I have " turned off '' the " pay over time '' feature on the account by going online and selecting it to be " off ''. Problem is, I never turned it " on ''. They did. I want my money back. I did NOT take any TIME to pay the balance, so how can there be any interest due?
Consumer complaint received 2018-04-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I had a fraud alert placed on my credit file that indicates anyone who runs my credit needs to call me and that wasn't done and that violates my rights as a consumer I have reached out to the credit bureau on more than one occasion to advise of my credit being pulled without my permission.

I gave XXXX  permission to run my credit XX/XX/XXXX not XX/XX/XXXX
Consumer complaint received 2018-04-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO. (DC)

I recently signed up for a Chase Sapphire Preferred credit card. The promotional offer on Chase 's own website said you receive XXXX   bonus miles by spending {$4000.00} within the first three months and that the annual fee of {$95.00} would be waived in the first year. However, about a month after I opened my account, I was charged the annual fee of {$95.00}. When I called, they said it was because only one offer was applied and not all offers are available at the same time. I find their advertising false and misleading, because it does not state that only one of the offers will be applied. They refused to waive the {$95.00} fee, even though that is what was advertised to me when I applied for the card ( and what is still advertised now ). The website needs to reflect the actual promotional offer.
Consumer complaint received 2024-07-23
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: DISCOVER BANK (WI)

After a dispute with the Discover card company I revoked their ACH authorization in late XXXX. However earlier this month the company took {$800.00} from my account anyway. After much arguing, they returned the funds.
Consumer complaint received 2023-12-12
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. (OH)

I got a copy of my credit reports all 3 bureaus and noticed inquires accounts on my file that are not mines not authorized not verified The accounts are listed below 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 2023-12-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (NC)

My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information from my credit report.
Consumer complaint received 2024-07-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CL Holdings LLC (NV)

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, except Rule 46. Objecting to a Ruling or Order Primary tabs A formal exception to a ruling or order is unnecessary. When the ruling or order is requested or made, a party need only state the action that it wants the court to take or objects to, along with the grounds for the request or objection. Failing to object does not prejudice a party who had no opportunity to do so when the ruling or order was made. 

When the SEC seeks civil penalties against a defendant for securities fraud, the Seventh Amendment entitles the defendant to a jury trial. 

SEC v. Jarkesy, 603 U.S. ___ ( 2024 ) 28 U.S. Code 1691 - Seal and teste of process All writs and process issuing from a court of the United States shall be under the seal of the court and signed by the clerk thereof. 

( XX/XX/XXXX, XXXX. XXXX, XXXX XXXX. XXXX. )
Consumer complaint received 2024-06-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CO)

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-12-12
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. (TX)

I recently sent a dispute to experian for XXXX XXXX account # XXXX And experian has failed to complete an investigation you have verified this account however its still reporting innacuratley how does this happen after an investigation? Experian did not Provide me with method of verification of how they verified this account experian still keeps reporting erroneous information payment status how can an account be reported as 120days late and 180 days late at the same time also last reported date this account was disputed in XXXX why is the last reported date in XXXX? how can an account be investigated without being reviewed. I am requesting that this account be deleted immediately for violation of the FCRA.
Consumer complaint received 2023-12-12
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. (FL)

I recently reviewed a copy of my credit report. It indicated that credit inquiries were made by following the credit inquiries listed below. However, these inquiries were not authorized by me. Therefore, I'm sending this complaint to dispute these inquiries and have it removed from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-11
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. (AL)

Under code 15 use 1681a2 that my information was sold without my knowledge or consent my credit reports shows my accounts has been written off as a collection debt and it's closed and still on on my credit reports XXXX. XXXX XXXX XXXX ( XXXX XXXX ) for {$460.00} XXXX. XXXX XXXX ( XXXX XXXX ) for {$470.00} XXXX. XXXX XXXX XXXX for {$100.00}
Consumer complaint received 2024-07-16
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (GA)

I was scammed by a Wellsfargo impersonator on XX/XX/year>. The scammer called me using a legit Wellsfargo number that showed on my caller ID. They told me how someone made an illegal transition from my account and the only way to retrieve the money back was to XXXX {$1000.00} to a different account so that the original action would be canceled out. They had the same procedure from the very beginning as though I was speaking to a real banker and even information that I never came to them. So I did as they said, trusting them. 
Then, said how someone was trying to wire {$7000.00} out of my account to purchase Iphones. They told me for them to file a police report I had to file through the Wellsfargo app to report to the police. Mind you, I've had my Wellsfargo account for over 15 years and this was the first time I have ever done a wire so I thought this procedure was normal. After so I realized that I was being scammed I quickly called Wellsfargo to question if that procedure was normal and unfortunately it was not. I have gotten scammed out of {$8000.00}. 

I filed my claim that same day, and 2 weeks later I retrieved partial of my money back from the {$1000.00} XXXX on XX/XX/year>, but not from the {$7000.00} stating how another banker spoke to me saying I approved the transition, but I never spoke to anyone. If that was the case I would have been denied for both claims
Consumer complaint received 2021-08-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc (FL)

I contacted Chime about an order I had never received from XXXX, its been about 2 weeks and they deny offering and provisional Credit with chime and keep stating that it will take over 90 days to complete an Investigation. Provisional credits must be given within 10 days if an investigation is not completed.
Consumer complaint received 2024-06-13
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 am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
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 XXXXXX/XX/XXXX
Consumer complaint received 2023-12-12
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. (FL)

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
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 2024-07-19
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Funds not received from closed account
Company: BMO Bank, N.A. (DE)

On XX/XX/XXXX, I funded a XXXX CD account with BMO Bank with {$15000.00}. On XX/XX/XXXX, upon maturity, I closed the account and was informed that I would receive a check via mail. Now, nearly a week after the latest date by which I should have received the check, I still have not received it. I have called BMO several times to inquire about its status and, after sitting on hold for several hours between each call, still have no further information. XXXX, a representative told me I have two choices : ( i ) wait and see if the check magically appears ; or ( ii ) cancel the check and wait 90 DAYS before they will even issue a new check. BMO, as far as I am concerned, is refusing to hand over nearly {$16000.00} of MY MONEY and is not even able to tell me where the funds are and refuse to return them in a timely manner. Unethical? Absolutely. Illegal? If it isn't, it sure should be. I demand my funds in full, with additional interest, immediately.
Consumer complaint received 2023-12-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: National Credit Systems,Inc. (PA)

In accordance with the Fair Credit Reporting act National Credit Systems Inc Account # 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
Consumer complaint received 2024-07-17
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: CMG MORTGAGE, INC (CA)

In XXXX the property surrounding my primary residence was subdivided and recorded, in XXXX my primary residence was refinanced. This was done so the two parcels that were split off of the original lot could be developed. XXXX XXXX did the original loan in question which was later sold to CMG Mortgage. XXXX XXXX  is no longer in business. 
When processing the title an incorrect / outdated legal description was used such that all three parcels remained encumbered by this new loan -- the legal description of record at the time was not used, which would have been one that would have only encumbered the property address which was being financed. This has been verified by XXXX XXXX XXXX, which was the title company from the original loan. 
I have requested a Partial Release for the two adjacent lots from CMG and they have asked for paperwork which I have received from the original Title company, but they are also asking me to pay {$1000.00} for an appraisal. They provide no direct contact number for me to dispute this and via email take days or weeks to respond and clearly are not familiar with the entirety of the situation as I can not speak to one individual and therfore just get canned responses. 
The original loan was established without a formal appraisal, and the value used was for the property address that I am trying to establish as the sole collateral -- so not only is an appraisal literally only asking for value of what should have been the collateral all along, it is a mistake on the originating lender 's behalf and I should not be forced to pay to rectify it. Furthermore, if a computer analysis was good enough for the original valuation than it should be good enough for this. 
I have now been trying to rectify this for six months and have already sent paperwork once which was not recorded by CMG. Due to their not processing that paperwork, the request expired and they have asked me to start over. In the meantime this is creating great financial hardship as I can not access the adjacent parcels until they are released.
Consumer complaint received 2024-07-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Nationwide Capital Services, LLC (NE)

I have received XXXX calls from this company. 3 times I have spoken to them and denied this is my debt. 
XXXX. They are using my maiden name. This has not been my legal name for XXXXXXXX XXXX XXXX. All they have connecting me to this debt is my maiden name. My " name '' is not that unusual. 
XXXX. They have asked if my last XXXX matched who they're looking for. It does not. 
XXXX. They have asked if my birth date matches who they're looking for. It does not. 
XXXX. They have assured me that I will not be bothered again. 
XXXX. They bother me AGAIN.
Consumer complaint received 2023-08-16
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. (CA)

I would like to request the suppression of this item from my credit report, which is the result of a fraudulent item origination and identity theft. This fraudulent item should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of this item that does not belong to me which is reported erroneously. I am in desperate need of this item to be INSPECTED and REMOVED. 

XXXX XXXX XXXX
Consumer complaint received 2024-07-05
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Newport Intermediate Inc. (IA)

I tried using my card 5 different times for amounts I know it has in my available balance. XXXX XXXX XXXX and XXXX each time, I called Northlane they told me they were going to escalate the call and to wait a hour and my card should work... I did this 5 times the last time 8 should to a supervisor told me the same time again my purchase didn't go thru. I think it's my money their system should not flag it as fraud if I'm telling then 5 times it's me let me use my money ....
Consumer complaint received 2024-07-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ALLY FINANCIAL INC. (TX)

the company is reporting an account on my credit history with a XXXX balance which presents date failures in the reports of the three credit bureaus, which gave me the authority to dispute this information and request the removal of this account, however the company has refused to give me an explanation of why it maintains this remark on my credit report.
Consumer complaint received 2024-06-27
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TN)

Recently I applied for bank of America credit card and requested to balance transfer to my other credit card which they offered good interest rate amount {$8000.00} but they gave me {$5000.00} limit and refused balance transfer. I used my different credit card to transfer balance. After 10 days when I received my new bank of America credit card yesterday I received email that they transferred {$3800.00} to my credit card and charged me the transaction fees, I called them requested them to reverse the transaction as I already transferred from my different credit cards. Only words I heard from bank of America were sorry, sorry they made the money, this is how they treat they customers I have account with bank of America for the last 30 years.
Consumer complaint received 2023-12-12
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. (FL)

I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
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 2023-12-12
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. (TN)

XXXX XXXX is reporting negative transactions and experiences on my consumer report which goes against 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) where Congress states that reports containing information solely as to transactions or experiences between the consumer and the person making the report should be excluded from a consumer report. 
XXXX XXXX has failed to provide the proper way for me to exercise the nondisclosure option given to a consumer by 16 CFR 313.7 and 15 USC 6802. I have provided them with notice that I have opted out of them sharing my nonpublic financial information with 3rd party nonaffilates. They have ignored this notice and are in violation of the Fair Credit Reporting Act and the Privacy Act of 1974. This is a violation of my rights that are to be enforced by the CFPB according to 15 USC 3805
Consumer complaint received 2024-07-15
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: SOFI TECHNOLOGIES, INC. (ID)

On XX/XX/year> a fraudulent transaction happened on my Sofi Savings account. The company responsible for the fraud is XXXX XXXX XXXX. I've never done business with this company. I've never even heard of it until this fraudulent transaction took my savings account money from me. There was no authorization to do this. I've never allowed anyone to log into my account. I have 2-step verification enabled so they should never even have been able to log in to steal my money. I wish to have my money refunded and to press charges to the maximum extent of the law.