davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-22
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: CHARLES SCHWAB CORPORATION, THE (MO)

Yes I am XXXX XXXX XXXX XXXX XXXX XXXX XXXX that is and there is a Treasury direct account my social security number but my wife and I can't access because my wife 's sister XXXX XXXX been stealing from it she stole our identitis and impersonates my wife and gained access it is beyond us how this could even be possible we now know about it and want this immediately fixed and in the legal rightful people XXXX XXXX XXXX XXXX XXXX XXXX XXXX We are very upset XXXX XXXX and XXXX and XXXX XXXX All companies THAT are involved in our legal trust account XXXX XXXX is committing tax fraud in my wife 's and my names and gets fraudulent social security numbers on us My birthday is XX/XX/1945 My social security number is XXXX XXXX XXXX. .her sister already has our social security number across the Internet even selling fake social security numbers check Treasury direct account XXXX XXXX XXXX My social security number. My wife XXXX XXXX XXXX married XXXX yrs only her and I are rightful legal trust fund account owner 's
Consumer complaint received 2015-04-29
Product: Credit card — 
Issue: Billing disputes — 
Company: SANTANDER BANCORP (PR)

I had a credit card with Banco Santander XXXX XXXX which I did n't use for many years, so the balance was XXXX. They collect an annual charge of {$45.00} and maybe that 's ok. but suddenly they started to charge late fees and other fees up to {$90.00} I tried to negotiate with them opening a claim but they declined turn down and charge off the account for just {$90.00}. Practices like that are really abusive.
Consumer complaint received 2023-12-11
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: JPMORGAN CHASE & CO. (IL)

Chase United Explorer card featuring now baggage fee for card holder and 1 extra passenger if booking with the card for trips. 
I have done so and got charged twice for a round trip when I checked a bag for me and a bag for my wife. 
I have called in to ask for refund, XXXX XXXX XXXX XXXX XXXX can only do it for me for one trip but not the returning trip apparently due to the flaw in their system. The agent said she can not do it and I have to got to some website to do it self serviced. I declined to do so and insisted they should refund me but this never happened.
Consumer complaint received 2022-11-08
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: CITIBANK, N.A. (OR)

Ive received 2 unauthorized credit card in the mail and one letter from Best Buy saying that I applied for their card and I did no such thing! I am extremely stressed and am really trying to build my personal credit and have not made most of these inquires!
Consumer complaint received 2023-07-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (CA)

On XX/XX/XXXX, I received an email promotional offer to apply for the American Express Business Gold card. It stated I was pre-approved for the card, and that I would receive a welcome bonus of XXXX reward points after spending {$10000.00} in the first 3 months. I previously had the card but closed it in good standing in XXXX, so I called to ensure the offer was still valid since I previously had a similar card in the past. 

I spoke to an agent in early XXXX to verify that I would still receive the welcome bonus, and they confirmed that I would. Ive had active accounts with Amex since XXXX, and the promotional email included my existing card number on the top of the email. This made me further believe that Amex knew it was offering me a welcome bonus to an existing customer, and knew I had the card in the past before sending me the promotional offer advertising the welcome bonus. ( See attached screenshot photos of the welcome offer email ) Only after I got confirmation from the agent that I would receive the bonus, did I apply for the card. Once I spent {$10000.00} within several weeks, I called to inquire about the welcome bonus offer. The agent stated that I did not qualify because I previously held the card in XXXX, and that customers could only receive the bonus once per lifetime. I shared that I called in advance of applying for the card, and that the agent informed me that I did in fact qualify. So they opened a case to investigate whether they could make the award. After opening 2 cases to investigate whether someone told me this information before I applied - no results were shared with me other than the decision that I did not qualify for the bonus. There is a {$290.00} annual fee for this card, and the welcome bonus was a major consideration before applying for the card. The welcome bonus has still not been awarded.
Consumer complaint received 2023-07-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (MA)

On XX/XX/2023 I notified chime of 10 unauthorized debits totaling {$3300.00} from XX/XX/XXXX to XX/XX/2023, at the time being almost in shock I was connected with a very nice agent to help me through and file a transaction dispute for these charges, after explaining and verifying what transactions to include in the dispute I felt a little better and less stressed thinking chime was going to help me the agent submitted the dispute and a new debit card was on the way, not even XXXX hrs later I got a email from chimes investigation department stating the investigation into the 2 yes 2 not the 10 I requested but the 2 unauthorized transactions had been investigated and deemed correct and no credit or refund would be issued, I immediately contacted chime and explained the first agent made a mistake and only disputed 2 of the ten transactions that I asked to dispute and by doing so may have impacted the investigation, so a new dispute was filed on XX/XX/2023 for what I thought was for all the ten charges, not even 2 hours after filling the 2nd dispute I got a email from chimes investigation department stating that the dispute filed on XX/XX/2023 for XXXX unauthorized charges has been investigated and they deemed the charges are my doing and no refund or credit will be issued, I then contacted chime and asked for documentation that supports their decision and proves Im responsible for these charges which I requested on XX/XX/2023, it is now XX/XX/XXXX and chime being able to investigate 10 unauthorized charges and reach a decision within 1 hour still hasnt sent me any documentation, I then explained everything to the agent once again and asked to file a rebuttal which we did and once again the agent failed to explain the first mistake made by only disputing 2 of the charges then 8 just filled a plain normal rebuttal stating I didnt agree with the decision, one day later both rebuttals were investigated and denied by chime and Im told thats final no more will be investigated and no credit will be issued,
Consumer complaint received 2024-01-29
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: HSBC NORTH AMERICA HOLDINGS INC. (IA)

In the summer of XXXX, I opened a checking account online with HSBC. I had recently been fired from my job and was receiving unemployment benefits from the state of Iowa, which I started having direct deposited into my HSBC account at that time. For whatever reason, after a couple of weeks, I had not yet received my debit card and I needed to access the funds that were in my HSBC account so I tried to initiate a transfer of funds from my HSBC checking account to my local bank account that I had not yet closed. In trying to transfer the funds, I had a problem so I contacted HSBCs customer service to get some help with it. When I called, the woman on the phone thought I was a man trying to access someone elses account and she had a hold placed on my checking account. During the course of the next several months, I called HSBC at least 3 times each week to try to find out the status of my account and each time, they would give me little to no information. In fact, when they would transfer me to the department that placed the hold on my account, they were down right rude to me each time I called. One day I decided to call one of the branch banks and from talking to a teller I found out that after 6 months with no activity on my account, my account would be automatically closed and the funds that remained would be mailed to me in the form of a check. So I waited and in XXXX of XXXX, I received a statement from HSBC stating that my account had been closed, but there wasnt a check with the bank statement. I called HSBC again and they told me that they had sent the funds back to whoever last deposited into my account, which shouldve been the unemployment division of the state of Iowa, however, when I called to ask them if they had received my money they told me they hadnt. There was {$1300.00} in my HSBC checking account at the time that it was closed and I would like the funds to be returned to me. I have contacted other offices for help in resolving this matter but to this date, have not been able to come to a resolution nor have I been able to locate my money. I just want my money back.
Consumer complaint received 2022-11-08
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (IN)

I previously wrote you to Equifax to verify the bankruptcy listed on my credit report and I received a response that the bankruptcy was verified with the bankruptcy court I contacted the courthouse to verify their information release policy. The court informed me that they do not provide anyone with a debtors full social security number and they do not provide ANY credit bureau ANY information about ANY bankruptcy cases. I have included a copy of the response from the courthouse for your reference. 

It is quite clear that someone from Equifax lied about verifying this bankruptcy with the courthouse. That is a violation of the Fair Credit Reporting Act ( FCRA ). 

As you know, it is also a violation of the FCRA to report inaccurate or unverifiable information on a credit report. My credit attorney thinks I should file a case, but I just want it removed from my report. I demand that you IMMEDIATELY REMOVE the following bankruptcy from my credit report : XXXX XXXX XXXX, Reference # : XXXX Please respond to me in writing once this removal has been completed. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-07-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: WELLS FARGO & COMPANY (CA)

I received a letter from Wells Fargo stating they decreased my credit limit from {$4300.00} to {$1800.00} for the following reasons : Late Payments or Negative record 12 months Too Little time since credit card opened Recent Late Payments on my credit report The letter states the decision was based on my consumer credit report. 

It also states my current score is XXXX ( score range from XXXX - XXXX ) When I called Wells Fargo on XX/XX/2023 and told them none of the above was true, I never had any late payments on my credit report from any on my credit cards including Wells Fargo. I was told it was because my bank checking accounts had showed bad banking history.

I do not owe Wells Fargo any money for fees as they take their money for NFS fees when I go negative. I havent paid them excessive fees for NFS and truly believe that this action is racially motivated on behalf of Wells Fargo.

My credit utilization across the board is an average of 26 %. Now that Wells Fargo has lowered my limit, my utilization with them shot up to 76 %.

This is an direct attack to damage my credit rating. The letter I received is slander and nothing on the letter is true. The letter should of reflected what I was told by the credit card Department representative. 

This is a XXXX attempt to destroy my credit rating I work hard to establish. I am an XXXX XXXX XXXX and this is systemic XXXX  as well discrimination we continue to endure in this country.
Consumer complaint received 2023-09-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NC)

In XXXX, XXXX, and XX/XX/2023 I requested that all invalid information such as incorrect name and address be erased. As of today, they have not done it, The names aren't mine and the address is inaccurate.
Consumer complaint received 2023-07-15
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: Central Portfolio Control Inc. (OH)

XXXX XXXX XXXX XXXX  MBA XXXX XXXX XXXX XXXX XXXX {$290.00} XXXX XXXX XXXX {$150.00} XXXX XXXX {$77.00} XXXX XXXX XXXX {$70.00} XXXX {$37.00} XXXX XXXX 15 U.S.C section 602 A. States I have the right to privacy 15 U.S.C section 604 Section A. It also states that a consumer 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 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer TV reporting agency if the person knows or has reasonable cause to believe that the information is accurate
Consumer complaint received 2016-07-30
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ERC (PR)

I 've been a XXXX customer for many years, I added a new phone account for my cousin. She purchased the phone plus a new number under my account. I recieved on my credit report that I owe {$110.00} and was sent to collections. I contacted XXXX, they said I 'm up to date on my payments. That I should contact the collection agency and dispute it immediately.
Consumer complaint received 2023-08-27
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (UT)

Received letter from XXXX XXXX XXXX XXXX. Charge off date XX/XX/XXXX total balance {$1000.00}. XXXX File Number XXXX. Letter requesting payment within 35days date of letter XX/XX/XXXX lump sum $ XXXXcurrent Creditor LVNV Funding, Original Creditor XXXX XXXX XXXX, XXXX XXXX attorney for Plaintiff. 
I was served a summons on XX/XX/XXXX stating I'm summoned and required to answere the attached complaint within 21 days with XXXX XXXX District Court State of Utah. 
Plaintiff is stating I owe charge off amount {$1900.00}.
Consumer complaint received 2023-02-21
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Atlanticus Services Corporation (TX)

Fortiva authorized a fraudulent credit card at XXXX XXXX XXXX in XXXX in my name in late XXXX. I learned of this and reported it to Fortiva early in XXXX. 

I filed an affidavit of FRAUD in XXXX of XXXX. Fortiva sent an acknowledgement by email on XX/XX/XXXX, that I had reported the account in my name at Fortiva as fraudulent. 

In XX/XX/XXXX, despite my reporting this fraud, Fortiva reported my account as delincuent to credit agencies. They continued to make monthly derogatory reports on my account until XX/XX/XXXX. 

Fortiva sold this account to XXXXXXXX XXXX XXXXXXXX XXXX on XX/XX/XXXX, well after my written and verbal reports and Fortiva 's acknowledgement of the fraud. XXXX 's attorneys, XXXX XXXX XXXX, XXXX XXXX, called me in XX/XX/XXXX. I explained to XXXX XXXX that the account was fraudulent. And XXXX XXXX confirmed that his firm reported the account as fraud and returned the case to XXXX. XXXX has not reported the account as delinquent on my credit. However, FORTIVA 's negative reports to credit agencies from XXXX through XX/XX/XXXX have not been removed. 

This account continues to be reported on my credit report, and is causing serious damage to my credit. My credit score has dropped XXXX points, limiting my ability to obtain a mortgage on a home under contract. 

We have been calling Fortiva, XXXX and XXXX XXXX XXXX for several weeks to remove this report of fraud & they refuse to do so.
Consumer complaint received 2023-05-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am writing you because there are some negative items in my credit profile, but I have not confirmed or accepted that these are accurate. I dispute these claims and demand that any negative information be removed from the reports immediately.The claims that this information in my report is negative, untrue, incorrect, incomplete, untimely, and not verifiable are unsubstantiated. I have yet to be provided physical verifiable proof that the claims of negativity within my report are true.After reviewing my report I noticed several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I refute your allegations and challenge you to provide proof that you have the right to report this incomplete negative information about me. Document that you have complied with the reporting requirements, and report without any deviations. If you have not complied with the requirements or there are any negative aspects below that have been challenged, you must remove them from my report.Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relatesAlso per 12 CFR Part 1022 ( Regulation V ) requires furnishers to : A - Furnish information about accounts or other relationships with a consumer that has integrity. B - Furnish information about accounts or other relationships with a consumer that is accurate. C - Conduct reasonable investigations of consumer disputesAccording to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards. Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate. This is important to remember because it affects the accuracy of any federally regulated reports.With that said! I found some mistakes and inaccuracies in your report and I would like to invoke my rights to dispute/challenge these inaccurate and non-compliant items. If you continue to report claims that are not perfect, it shows that you do not care about my rights as a consumer.I don't think it's fair for you to report on me in a way that isn't confirmed to be ethical and meets the standards of certified reporting.The following claims about me were not reported correctly and do not meet federal requirements. I am challenging these claims and asking for proof that the proper reporting standards
Consumer complaint received 2024-03-22
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. (NY)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These Hard Inquiries don't belong to me, hasn't being authorized by me and has to be removed. Also this as well. thanks
Consumer complaint received 2022-10-28
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: Experian Information Solutions Inc. (GA)

I have disputed a bankruptcy with Experian multiple times and they are not investigating properly. They keep closing my dispute saying the information has been verified with XXXX XXXX and they confirmed its accurate. I reached out to XXXX XXXX and they state they have not received any request from Experian to verify my information and they confirmed I do not have the bankruptcy on my file. I sent the letter to Experian from XXXX XXXX and they still are not investigating.
Consumer complaint received 2023-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. I requested XXXX acct # XXXX be validated with no response. 
FCRA section 611 gives me the right to request and explanation of the verification method used
Consumer complaint received 2024-01-20
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. (TX)

TransUnion continues to violate privacy report non credit personal transactions on my report stating that they verified it with the furnished which is clear and willful non compliance an I am tied of submitting disputes just to receive the same auto generated letters back in the mail for instance they allowed XXXX XXXX XXXX XXXX to illegally report a fraudulent debt on my account for XXXX months an if I would have never been a victim of the XXXX breach and pulled all reports they would have still been allowing my identity to misused at the detriment of my lively hood and is liable under the applicable title in FCRA for monetary relief for the willful and negligent non compliance an the deletion of the account serves as proof to support this claim XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX started and went on for XXXX months now they are in a federal lawsuit and I dont mind adding TransUnion as a party of interest. See the attached deletion is admitting and its all coming together as a violation of my civil rights under HIPPA due to it being medical information related that they are passing around for profit so here I come transunion here I come!!