davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-11
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: AMERICAN EXPRESS COMPANY (IL)

My name is XXXX XXXX XXXX and Im an American Express customer for the last 5 or 6 years. I had a limit of XXXX on one and XXXX on the other. My balance was XXXX when I started using it in the past month or so and as soon as I use the card they lower my credit limit. Not on XXXX but both. My credit score is still excellent probably even better than it was when 1st applied. I was a excellent customer, never late and never asked for an extension. If they didnt want me to use it then why give it to me. I used XXXX only out of XXXX. I would like this rectified and have my limit restored.
Consumer complaint received 2023-10-12
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: D2 Management LLC (IN)

Took out payday loan in XXXX with XXXX based in XXXX, XXXX XXXX business as Cashland XXXX XXXX hit, the business closed, did not have no contact information nor did they send me a letter to let us know they were closing until now when they finally called me. The only way I found out they were closed it when I went to pay the loan off since I missed my payment arrangement, the store was closed. I did not get any communication until XX/XX/XXXX when XXXX management ( ph # XXXX ) called threatening me during a time I am trying to retrieve my son 's body from XXXX. He was in a motorcycle accident and I explained to them I have documentation and I was trying to raise money to get to XXXX to him and his family. I did not get the persons name but she said the only thing they want to hear is that I am going to pay the {$400.00} and something dollars or they will move forward to ligation. I explain to him to give me time because I just lost my son over the weekend and working to get him home, I don't have the money. She did not care and this just send me into a deep XXXX. I can not handle this, trying to keep my family calm, making funeral arrangements, trying to get an emergency passport and other things. I feel this call was not warranted and I told them I have documentation to show I was telling the truth. The only thing she said was I will update the file, no my condolences or nothing and my son was in the XXXX XXXX XXXX. I tried to work something out with them due to my circumstances but they were not trying to hear what I was going through and did not want to work with me creating even more hardship during a time or mourning and trying to keep my family focused.
Consumer complaint received 2021-01-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

On XX/XX/XXXX I received notice from my credit card company ( XXXX  XXXX  ) that a {$2500.00} charge had been made against my account. I immediately called Capital One and reported the unauthorized charge. They informed me that the charge was made by a XXXX XXXX XXXX. They also told me it was for Professional Services. They then said their fraud division would investigate and at that time they removed the charge from my account. On XX/XX/XXXX the charge reappeared on my account.. I called Capital One and was told that the fraud department did not see any fraudlent activity, and that I needed to call XXXX. 
I have been trying to contact XXXX but have not been able to talk to anyone about this issue. I just get a total run around. I did not authorize this charge and had never heard of this XXXX before the charge appeared on my credit card statement. 
It is my hope that you can either help me with this issue or advise me where to seek help. I am a XXXX-XXXX  year old retiree on a very limited income, without the means to pay this unjustified charge. I have worked hard to keep my good credit rating and this will absolutly destroy my credit if I can not get is resolved. 
I am XXXX  XXXX, so any contact with me should be via email or the U.S. Postal Service.
Consumer complaint received 2021-01-11
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: HSBC NORTH AMERICA HOLDINGS INC. (CA)

HSBC offered a {$470.00} bonus when opening a new Premier checking account and making recurring direct deposits totaling at least {$5000.00} for three consecutive months from the second full calendar month after account opening. 

I completed these requirements and received no bonus. I contacted HSBC directly via online messaging and received the following response : -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Dear <redacted> : Thank you for being a valued Premier customer and thank you for contacting HSBC Bank USA, N.A. 

We understand your concern with this situation. 

Upon review, we show the research into your eligibility for the promotion has been completed. We apologize but after review, we show you are not eligible to receive the promotion. The reason for this, is due to your account not being opened through the campaign landing page. 

If you have proof that your account was opened through this page, please reach out to us either via XXXX XXXX or by calling our Premier Customer Service line at XXXX ( internationally at XXXX ) to provide this information. We can then reopen the investigation into your eligibility. 

If you have any further questions or concerns, please don't hesitate to contact us. 

For additional information on the products and services HSBC Bank offers, please visit us at HSBCPREMIERUSA.com HSBC has launched a new messaging channel for XXXX users! Messaging through your XXXX app is available at your convenience. It allows you to pause the conversation when needed and easily pick up where you left off. Try out the new feature www.us.hsbc.com/abc. We look forward to servicing your banking needs! 

Thank you, HSBC Bank Mail Team -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Really disappointed in HSBC and this shady tactic considering the only way to apply for the offer is to click an Apply Now link directly on the offer page.
Consumer complaint received 2021-03-23
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: AMERICAN EXPRESS COMPANY (SC)

Okay I got issued a American express serve card last year well about 6 months ago someone stole it out my purse. I called American Express and ordered a replacement card okay being I forgot my username and password and I didn't have my card 15 digits to retrieve it I couldnt update my mailing Info to change my address.so they mailed it to my old address I havent seen it yet.i called them and changed my address and still havent received my card I have XXXX on it from my stimulus check. I would really like to get my card.
Consumer complaint received 2023-01-02
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: NRA Group, LLC (PA)

To Whom It May Concern : This notice is to inform you that you unlawfully reported an unauthorized account on my consumer report. I have not given you written permission to put anything on my credit profile. You have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. 

I am writing this letter to dispute the following accounts : XXXX XXXX This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor only, I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report. 
Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : Defamation of Character ( per se ) Negligent Enablement of Identity Fraud Fair Debt Collections Practices Act 15 USC 1692g violations Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]
Consumer complaint received 2023-01-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TD BANK US HOLDING COMPANY (MA)

I am writing to dispute the following information in my file. I recently received a copy of my credit report. The credit report showed credit inquiries that I dont recall authorizing. I understand that you shouldn't be allowed to put an inquiry on my file unless I have authorized it. Please have these inquiries removed from my credit file because it is making it very difficult for me to acquire credit. -TD/bank USA /target {$310.00} XXXX had a credit card with target credit limit was {$250.00}. After i flied a complaint to CFPB The Bank called me and we fund a deal to pay off and remove this negative in my file. On XX/XX/2022 I payed {$200.00} to USA /TARGET TD BANK it seem they forgot to remove this enquiry. 
Please Remove this enquiry for me. 
XXXX
Consumer complaint received 2021-01-11
Product: Credit card or prepaid 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: CAPITAL ONE FINANCIAL CORPORATION (FL)

I purchased 2 tickets on XXXX XXXX in XX/XX/XXXX, {$1800.00} charged to my Capital One Visa. The flights from XXXX to XXXX, XXXX, returning from XXXX, XXXX to XXXX ( XX/XX/XXXX, returning XX/XX/XXXX ) were cancelled when XXXX and XXXX closed their borders due to the Corona Virus. 

I purchased the tickets on-line thru XXXX XXXX, a XXXX, XXXX on-line travel agent. XXXX airlines refunded the cost of the tickets to XXXX XXXX on XXXX XX/XX/XXXX. XXXX XXXX as of this date ( XXXX XX/XX/XXXX ) has not refunded the charge to my Capital One Visa. 

For the last 9 months I have written letters and countless emails to Flight Network ( XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX ON XXXX XXXX, XXXX ). 

XXXX XXXX does not respond to letters and emails, and does not answer the telephone. 

I have tried to have Capital One reverse the charge but they have refused, deferring to XXXX XXXX which states that refunds are at the airlines discretion. Since XXXX has refunded the ticket prices this is nonsense!! 

Capital One refuses to take action. I have previously written the XXXX of Capital One asking for help, but with no response. 

Both XXXX XXXX and Capital One should be sanctioned for this complete disregard of customers rights and US law. 

I have no recourse other than appeal to CFPB
Consumer complaint received 2021-01-11
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I was reviewing my credit report and noticed a bunch of accounts and inquiries that do not belong to me and shouldn't be reporting. It is unfair that I have to deal with the consequences of these negative accounts even if I didn't open them our even tried to open them. I sent dispute letters to these credit companies over 45 days ago and still haven't gotten any results let alone a response. I need these hindering accounts removed. I need to apply fir a mortgage soon and I can't do that if these false accounts are still reporting on my credit.
Consumer complaint received 2023-05-31
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. (FL)

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 2021-01-11
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: JPMORGAN CHASE & CO. (TX)

On multiple occasions I have notified these three ( 3 ) creditors of the severe impact of the COVID-19 pandemic on my business dating back to XXXX, 2020 and have asked for COVID- related assistance without success. Presently all three are reporting negative credit entries on my credit report which is preventing my business from accessing new credit in an effort to get my business back on track ( purchasing business equipment, rehiring employees ). I have not received federal stimulus funding and can not get the status of my SBA disaster loan funding application. 

( 1 ) Chase Bank Card Services - XXXX ; ( 2 ) XXXX XXXX  - XXXX XXXX XXXX XXXX and ( 3 ) XXXX XXXX XXXX - # XXXX which was charged off without my knowledge.
Consumer complaint received 2021-01-11
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: EQUIFAX, INC. (FL)

Hello, I have been trying to get these fraudulent accounts off my credit report and I reach out to the 3 credit bureaus regarding this and they still haven't remove these accounts from my profile. This is affecting me from getting my house for me and my kids. Again, I am a victim of identity theft. These accounts listed are not related to any transaction done by me. I also called the companies regarding this identity theft and they told me to reach out to the bureaus. I have attached the FTC report and my driver license
Consumer complaint received 2017-05-08
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: EQUIFAX, INC. (NC)

I have just noticed that my credit fell from  XXXX  down to  XXXX  because  XXXX   XXXX   XXXX  made a hard inquiry or the inquiry was removed.  Either  action was done without my consent, and I am being penalized my Equifax  Credit Reporting Agency for this action. The action was done   XXXX   XXXX ,  2017. Credit Reporting Agency  has continue to penalize my Credit score frequently for actions that I have no knowledge of.
Consumer complaint received 2023-06-07
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)

This is my 2nd complaint that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. These accounts are unknown to me and I have doubts in their accuracy and the reported payment history on some accounts is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Consumer complaint received 2021-01-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRUIST FINANCIAL CORPORATION (NC)

On XX/XX/XXXX we sent notice to alleged lender, SunTrust Bank, requesting validation on this XXXX. Thirty days commenced with no response. Therefore, we contacted all three credit bureaus to inform them that the alleged loan is in dispute. The credit bureaus contacted SunTrust Bank as a result, and it was only then that we received a response from SunTrust Bank, stating they " didn't know '' what account we were disputing. 

On XX/XX/XXXX we sent a Non-Negotiable Notice and Demand for Full Disclosure and Validation on this alleged loan, with a 15 day deadline before further action is taken. We did not get a response to this letter either. 

SunTrust Bank is in violation of the Truth in Lending Act pursuant to 15 USC 1601-1667j ( full disclosure ). And U.S. Code SubChapter VDebt Collection Practices 15 U.S. Code 1692g - Validation of Debts, as well as The North Carolina Consumer Protection Act of 1977 ( NC General Statutes, Chapter 75 ). 

If this alleged debt is not validated by the alleged Lender, SunTrust Bank, as required by the Fair Debt Collections Practices Act, alleged Lender has legal responsibility to terminate the claim.
Consumer complaint received 2023-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

The personal information listed is incorrect. The employment information is incorrect. The previous addresses listed are incorrect. 

Please remove all previous addresses listed on the credit report as it is a violation of 15 U.S.C. 1681s-2 ( A ) ( 1 ).
Consumer complaint received 2021-01-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (DC)

Chime Bank has had five separate incidents of customers not being able to use their own cards- neither their debit cards, nor their credit cards, within the past twelve months. 

Most recently, I reached out to Chime because my debit card had been declined with more than enough funds. First, they tried to deny the issue. When I continued to send evidence via screenshots, they told me there was an issue with the merchant. When I pressed and said the issue had replicated with *multiple* merchants, they told me that both of my cards, credit and debit, were defective. I asked about the credit card because Chime, as a bank, had a deal with their clients that if more than 100 purchases were made using their Credit card, a metal card would be issued. However, they made it very clear that the metal card was single issue and would not be replaced under any circumstance. I inquired about this, as it took months for me to make it to the 100 purchases, and following my inquiry, Chime has cut off all communication. 

I have sent three emails in the past three days. I have been unable to use my credit or debit cards at all, and ALL of my money is in my accounts ( my direct deposit goes here ). I was unable to purchase the money order for my rent ; I have been unable to purchase groceries ; their phone line just states they have too high a call volume to answer, try looking online for answers. Their online bot is off ( has been for at least the past two weeks, 100 % of the time ), and the multiple emails to customer service have gone unanswered. 

I need help. I have more than {$1000.00} stuck in those bank accounts frozen, and that's all I have. This has been an incredibly frustrating issue, and it is the fifth time in the past twelve months that all funds for some or all Chime members have been frozen/inaccessible with little to no accountability for the financial institution. Once I get my money, I will be closing my accounts and choosing a new financial institution.
Consumer complaint received 2021-01-10
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/20 two unauthorized transactions occurred on my Bank of America EDD Debit card. The first transaction shows as {$0.00} and the next transaction, the thief stole {$220.00} from my account at a Bank of America ATM. I contacted and filed a claim with BoA and received a letter that my claim was closed and was issued a new card. However, they froze my account and the card that was issued to me does not work as well. I have called BoA consistently for over a month now and have received different answers/been transferred to different departments from each BoA representative. BoA told me that EDD froze my account and that they have done everything on their end and are waiting on a reply from EDD. However, when I contacted EDD, they said my account is fine and is open and that i need to contact BoA. I have asked the BoA representatives for a literal script of what I should say to help resolve this problem and was told to say " Can you please send confirmation to BoA that my account is in good standing? '' and the EDD representative responded, " we don't do that. You need to contact BoA. '' So I have been going back and forth with EDD and BoA because they are both saying it is the other company 's issue and tell me that they can not help me with my situation. 
All I want is someone to help refund my {$220.00} and unfreeze my BoA account so that I may receive my EDD funds again.

Due to the pandemic, I have not been able to work and am financially dependent on the money provided by EDD so this issue has really strained my resources and my mental health.
Consumer complaint received 2021-10-21
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: Experian Information Solutions Inc. (FL)

I called experian XXXX and XXXX about the problem and each consumer about the credit inquiries no one can give me accurate information on when and who ran my credit report without my permission
Consumer complaint received 2021-01-11
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The Outsource Group, Inc (TX)

Received a letter stating that I owe a debt which I have disputed and requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay this company. Pending the outcome of my investigation of any evidence that the company submit, I have instructed to take no action that could be detrimental to any of my credit reports. I have ask the company to respond to me in 30 days or I will purse a small claims legal action against the company. I have paid a medical bill directly to my specialist office and I have contacted my medical insurance company and was informed one of the debts in the amount of {$15.00} is not valid, my insurance carrier states they have no record of the amount being submitted to them for XXXX.