davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-23
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (CA)

I received a bank statement from Wells Fargo and noted that my account was low. I went to the Wells Fargo branch in XXXX XXXX on XX/XX/XXXX to inquire about my low balances. I was informed there appeared to be large fraudulent transactions in XX/XX/XXXX and XX/XX/XXXX and the branch manager said they saw small fraudulent transactions starting in XX/XX/XXXX of about {$500.00} on average, however, the balances significantly increased in XX/XX/XXXX. In XX/XX/XXXX, there were fraudulent transactions totaling {$6700.00}. In XX/XX/XXXX, there were fraudulent transactions totaling {$6700.00} and in XXXX there were fraudulent transactions totaling {$9700.00} and in XX/XX/XXXX there were fraudulent transactions totaling {$8600.00}. Since XX/XX/XXXX there have been various transactions with various amounts to the same company on the same day. I did not use these companies ' services or products. Their fraud alert system did not catch these transactions. I called Wells Fargo and I was informed they were going to investigate. I received a notification on XX/XX/XXXX notifying me my claim was closed and was only reimbursed {$1400.00} which was a fraudulent transaction they flagged on XX/XX/XXXX which I was not notified about due to their 60-day policy. I was not informed this was the first fraudulent transaction and therefore only received this amount. I spent an hour talking to XXXX from their claims team and he did not want to reopen my case or open up a new one and I lost my savings. Per Wells Fargo, they have a Zero Liability policy which states " Your Wells Fargo Debit Card comes with Zero Liability protection at no extra cost. Its built-in protection features ensure that you won't be held responsible for unauthorized transactions, as long as they're reported promptly. ". This is false advertisement to the consumer as they are not reimbursing me for all fraudulent transactions that happened in XXXX. I notified Wells Fargo as soon as I noticed the decrease in the transactions and they will not reimburse me for the recent transactions which decreased my savings significantly and they chose to reimburse me for a transaction from XX/XX/XXXX which is insignificant to the amount that was stolen since XX/XX/XXXX.
Consumer complaint received 2024-01-22
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: CL Holdings LLC (NY)

I called the company Jefferson Capital and told them to stop sending me fraud bills. I never lived in Florida and it's sent to my sick uncle and he doesnt need more problems. They at Jefferson Capital didn't know what I meant I just received another one this week from my uncle.
Consumer complaint received 2024-01-22
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: AMERICAN EXPRESS COMPANY (CA)

I saw a credit card offer from my American express credit card that if I spent {$300.00} or more in one or more purchases in booking XXXXXXXX XXXX US locations, before XX/XX/XXXX, I would receive {$75.00} back ( screenshot of the offer attached ). I used the offer on XX/XX/XXXX to book two rooms in XXXX XXXX ( reservation attached ), there were two transactions of {$36.00} and {$260.00} each on my Amex credit card on XX/XX/XXXX. However, Amex did not honor this offer and credit me back {$75.00}. When I inquired customer service on XX/XX/XXXX, the first representative claimed that the hotel I booked was not included in this offer. I told here I did check the list of hotels in the offer and XXXX XXXX was included. She then came back and told me the offer require spending {$300.00} in a single transaction, not two transactions. I explained to her the offer explicitly says " {$300.00} or more in one or more purchases '', the " one or more purchases '' means it can be one transactions or multiple transactions. But she still denied that. I escalated to her supervisor but she insisted that the offer only allows single transaction, while the offer terms I saw and screenshot clearly says one or more purchase. I feel this marketing offer is very confusing and misleading. I would not have booked intercontinental hotel without seeing this offer, but the credit card company would not honor what they marketed.
Consumer complaint received 2024-01-22
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Chime Financial Inc (CA)

I received an email to my primary email address on XX/XX/year> that an account was open under my name for Chime XXXX. I have no knowledge of this bank and neither did I authorize anyone, on my behalf, to open an account there. 

The next day, on XX/XX/year>, I received another email letting me know that they had shipped a debit card to my old address from 7 years ago. I immediately got suspicious and reached out to the bank. 

The bank did promptly close the account but were unable to provide me any info on what might have caused this breach. It certainly does'n't seem like they ran a credit check which would've flagged my info since the information there seems to be old.
Consumer complaint received 2023-12-07
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Debt Recovery Solutions, LLC (TX)

DEBT REC SOL are in violation! I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( DEBT REC SOL ) the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( DEBT REC SOL ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law XXXX and XXXX are consumer reporting agencies and I am the Consumer According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of
Consumer complaint received 2023-09-25
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. (NJ)

3 online payments were made to a mortgage servicing provider for a closed mortgage loan account ( it was transferred to another mortgage servicing provider ). Funds were not received by said provider and I was told to contact Chase who insists the online payments were processed and sent. Multiple back and forths have transpired between Chase and XXXX, with zero success. 3 online payments of {$2600.00} from Chase to XXXX were made XX/XX/23 and are stuck somewhere? Chase says they no longer have it and XXXX insists they never received it.
Consumer complaint received 2023-11-01
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (TN)

Citi bank Costco Credit Card. 
XXXX delivered a dishwasher that they installed. Their installer failed to hook up the return hose and water supply hoses flooding our kitchen and laundry and living room area further making us lose the ability to utilize our kitchen sink. XXXX failed to send a plumber to fix the issue. They documented and advised eventually for us to get our own plumber after several days and they documented that they would reimburse us but to date have failed to do so. We disputed the charge with the Citi Costco Card and submitted documentation requested by Citi customer service. The charge was ruled in our favor after providing the documentation. After completing this process in good faith and still not receiving any reimbursement or repairs from XXXX to date, we instead were retaliated against as Citi now closed our credit card last week citing the disputed charges. Following Citi 's own process for disputing a charge resulted in them discriminating and retaliating against us. I do not feel that what has transpired is right considering I was not warned of this and told disputing a charge would result in forfeiting points, rewards and annual fees. In addition as a result of this, Citi bank now cancelled my other XXXX XXXX card yet of course did not cancel the linked Citibank Savings account I have. I will be closing said account as a result of these actions. Further I would like to request that my annual fees be refunded that were charged that I do not have any benefit from without a working card. Is it best to get an attorney in this case?
Consumer complaint received 2024-04-23
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: EQUIFAX, INC. (TX)

I hope this email finds you well. I am writing to follow up on my previous communications regarding the correction of late open accounts. This marks the many formal attempt to address this matter. 

As previously discussed, there appears to be an error in the opening dates of certain accounts listed on my credit report. Despite my repeated requests, the necessary corrections have not been made, and these inaccuracies continue to affect my credit history negatively. 

I kindly request that you prioritize this issue and take the appropriate steps to rectify the opening dates of the accounts in question. Ensuring the accuracy of my credit report is crucial for maintaining my financial integrity and credibility. With this, I am asking for your assistance to correct these accounts in my credit file : XXXX XXXX Balance : {$170000.00} ; XXXX  XXXX Balance : {$35000.00} ; XXXX  XXXX Balance : XXXX ; XXXXXXXX XXXX XXXX XXXX Balance : {$270.00} ; XXXX XXXX XXXX Balance : {$520.00}.
Consumer complaint received 2024-04-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MI)

This is my numerous 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 Balance Owed : {$3100.00} XXXX XXXX Balance Owed : {$5200.00} XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX Balance Owed : {$470.00} XXXX XXXX Balance Owed : {$620.00} XXXX XXXX Balance Owed XXXX {$5200.00} XXXX XXXX XXXX Balance Owed : {$600.00}
Consumer complaint received 2024-01-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (OH)

I have banked with USAA bank for 8 years and recently held a payroll check that I deposited into the account with no explanation. it didn't violate any deposit limits my account was in the positive, but they held the money for a few days for no explanation. during the next pay cycle my account dipped into the negative, I then received my pay which covered the negative balance and had the rest of my pay to get me to my next payday. USAA decided to hold my entire balance for not only the amount the was negative but the entire balance of my entire check which isn't available for 7 days. This has caused numerous issues without being able to access my money unable to put gas in my car to get to work or pay my bills which only hurts me as the consumer more than I already am. I have called USAA and they have not given a reason for holding my account just that they can try to file an appeal to get my money released sooner. I didn't get a yes or no answer just they would ask. I now have no access to any of my money to pay bills or anything and don't have access to my own payroll check until a week after it was deposited.
Consumer complaint received 2023-11-11
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC. (TX)

Midland Credit Management has violated the Fair Debt Collection Practice Act by contacting a debtor at inconvenient times unless the debtor allows it. At no time is it convenient for me to be contacted. Midland Credit Management has also violated the Fair Debt Collection Practice Act by harassing me, as well as using language I consider to be obscene in their written notifications. Midland Credit Management is not the original owner of the Debt and therefore has no right to contact me stating they are " attempting to collect a debt. ''
Consumer complaint received 2023-02-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Comerica (GA)

My sister is XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, Georgia XXXX. She XXXX  XXXX  on XX/XX/XXXX, XXXX She was a customer of Direct Express , a subsidiary of Comerica Bank XXXX XXXX XXXX. I have been in touch with Direct Express and they have mailed paperwork for me to retrieve funds left in the account. I am next of kin. She had no children, so there would be no other claims that would be filed. Her mother is XXXX XXXX XXXX. I have been with her the past 12 years as she can no longer live alone. I am the executor of her estate as stated in her will and I handle all the business of our home. My name is on all pertinent documents concerning her health and finances. 

I have received and returned three sets of documents properly completed and executed and need to find out why Direct Express is choosing not to process my request. As the regulating agency I want the CFPB to find out why. Direct Express is not letting me know what is. wrong.
Consumer complaint received 2024-08-13
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)

I am a hardworking individual has been diligently paying my accounts on time for the quite a long time. However, upon reviewing my credit report, I discover several instances of late payments recorded by these creditors. Perplexed by this discrepancy, I contacted these creditors to inquire about the inaccuracies. After discussing the matter with a customer service representative and the billing department, it becomes evident that there was a mutual agreement between me and these creditors to adjust the payment schedule due to unforeseen circumstances. Despite adhering to this adjusted schedule, the payments were mistakenly marked as late in the system. Understanding the gravity of the situation, these creditors swiftly acknowledge the error and assures me that the inaccurate late payments will be rectified. Additionally, they offer to provide written documentation of the agreed-upon payment schedule to prevent any future misunderstandings.
Consumer complaint received 2024-04-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.
Consumer complaint received 2023-09-14
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 requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-23
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)

I hope this email finds you well. I am writing to follow up on my previous communications regarding the correction of late open accounts. This marks the many formal attempt to address this matter. 

As previously discussed, there appears to be an error in the opening dates of certain accounts listed on my credit report. Despite my repeated requests, the necessary corrections have not been made, and these inaccuracies continue to affect my credit history negatively. 

I kindly request that you prioritize this issue and take the appropriate steps to rectify the opening dates of the accounts in question. Ensuring the accuracy of my credit report is crucial for maintaining my financial integrity and credibility. With this, I am asking for your assistance to correct these accounts in my credit file : XXXX XXXX Balance : {$170000.00} ; XXXX XXXX Balance : {$35000.00} ; XXXX XXXX Balance : XXXX ; XXXX XXXX XXXX  XXXX Balance : {$270.00} ; XXXX XXXX XXXX Balance : {$520.00}.
Consumer complaint received 2024-04-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In XX/XX/XXXX, a fraudulent account was opened with XXXX XXXX XXXX without my knowledge or consent. This unauthorized activity was first discovered by me in XX/XX/XXXX during a home mortgage application. The account pertained to an auto lease valued at {$79000.00}, and it subsequently appeared on my credit report, negatively impacting my credit score and financial standing. 

Upon discovering the fraudulent activity, I immediately took proactive steps to address the issue : Filed an FTC Identity Theft Report : In XX/XX/XXXX, I filed an official report with the Federal Trade Commission ( FTC ) to document the identity theft, indicating that the information used to open the account was obtained and used without my authorization. 
Notified the Credit Bureaus : I alerted the major credit bureaus, including TransUnion, XXXX, and XXXX, requesting the removal of the unauthorized inquiry and account from my credit reports to correct the inaccuracies stemming from this identity theft. 

the account in question and inquiries that were the result of fraud are ; ACCOUNT ( 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 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 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 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
Consumer complaint received 2024-01-24
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: Cash Express, LLC (CO)

CASH EXPRESS LOCATED AT XXXX XXXXXXXX XXXX XXXX XXXXXXXX, TN XXXX IS SENDING ME CORRESPONDANCSE SAYING I OWE FOR A 3 LOANS TAKEN OUT IN TN. I DO NOT LIVE IN TN NOR HAVE I EVER VISTED THIS CASH EXPRESS BUSINESS. I LIVE IN COLORADO AND HAVE BEEN IN COLORADO FOR MOST OF MY LIFE. 
I ASKED THEM TO SEND ME THE ID OF THE PERSON WHO TOOK OUT THIS LOAN. UPON REVIEW OF THIS ID THIS PERSON REMOVED MY PHOTO AND PLACED HIS PHOTO ON MY OLD IDDENTIFICATION CARD THEN USED THIS FAKE ID TO GET 3 LOANS. ALSO THEY USED AN OLD LAST NAME. I DID TALK TO THE POLICE ABOUT THE MATTER. THIS MATTER STILL REMAINS UNSOLVED. 3 FRAUDULENT ACCOUNTS HAVE BEEN OPENED IN MY OLD LAST WITH A GENTLEMAN USING A FAKE ID.