davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-12-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: U.S. BANCORP (IA)

On Tuesday XX/XX/2018 the bank assessed a XXXX dollar ( {$36.00} ) 'overdraft paid ' fee. Apparently, the fee was resultant from a temporary hold or authorization pending on the account. The two transactions, in question, ( {$50.00} and {$120.00} ; respectively ) did not actually post to or debit from my account and using the banks own terminology never once moved from the temporary authorization pending to completed categories and has since 'dropped ' off the account completely, as expected. 
I would argue that the account balance was at no time placed into a negative balance based on the transaction type, by design, being transitory. It's my contention that the bank intentionally delays settlement of transactions, of this type, in an effort to maximize the opportunity and occurrence of these contrived, disingenuous fees ; under the guise of revenue generation. 
It's clear to me that charging this fee is a deceptive practice and an attempt to collect rent seeking revenues from its customers. In so doing, this deceptive practice, causes financial harm to its account holders.
Consumer complaint received 2021-05-16
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Bread Financial Holdings, Inc. (HI)

XXXX allowed seller, XXXX XXXX, to lie about their location and the quality of their product in advertisements on the their platform. I attempted to purchase a mask from XXXX XXXX at the beginning of the pandemic. The masked was advertised as being comparable to a XXXX mask and manufactured in the US. But, the seller was actually located in XXXX, and the mask is not comparable to a XXXX mask. In fact, it's vented, so it can't even be worn on an airplane. And, I wasn't able to ascertain any of this until it was too late because it took 3 1/2 months, plus to get the item. I tried to cancel multiple times throughout the process as well, but the seller refused every attempt then cutoff all contact, despite asking for a call tag. 

So, I filed a claim with Comenity Capital Bank, and they temporarily removed the charge while they conducted their " investigation '' which consisted of nothing more than confirming that XXXX XXXX had received payment. That was it. They did nothing else. Then they reinstated the charge. After being given the runaround for a month or so, I filed an appeal. In the appeal I proved that Comenity Capital Bank did not do their due diligence by providing links showing that XXXX XXXX had been shut down for fraud. But, Comenity Capital Bank did not budge ; thereby, committing fraud themselves via collusion. 

The links supporting my argument are as follows : 1. WHOIS ( SHUT-FOR-FRAUD ) : XXXX : XXXX 2. XXXX  : XXXX 3. XXXX XXXX XXXX 4. XXXX XXXX XXXX I have records of most my interactions with Comenity Capital Bank showing what was and was not done throughout the entire process as well, including, where Comenity Capital Bank refused to close the account, despite making two requests in writing. They even mailed me a new card after my second request. 

I'm also sure the FTC would like to know that Comenity Capital Bank has referred the account to collections, despite the evidence, so I'm now getting 3-5 calls per day from different numbers with different area codes where the caller hangs up once I answer. 

But, when I call the number back they all lead to Comenity Capital Bank. Or, to sum up, it's almost like Comenity Capital Bank had grown so accustomed to scamming their marks ; I mean, customers, via acts of fraud that they've got the process on speed dial. And, the game of trolling " customers '' while holding their credit XXXX along the way is just an added bonus.
Consumer complaint received 2022-11-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am a natural person, I am a living human being. I have rights under 15 USC 1681. XXXX is govern by 15 USC 1681. And the violated my rights numerous of times. I demand the accounts listed below to be remove because According to 15 USC 1681 : I have the right to privacy and I did not give written permission to furnish these accounts. XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights.. XXXX XXXX Account # XXXX, has violated my rights. XXXX XXXX XXXX Account # XXXX, has violated my rights. XXXX XXXX Account # XXXX, has violated my rights. Account name XXXX XXXX Account XXXX XXXX, has violated my rights. Account name XXXX XXXX Account number XXXX, has violated my rights. Account name XXXX XXXX XXXX Account number XXXX, has violated my rights. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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. 1681s-2 ( A ) ( 1 ) 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.
Consumer complaint received 2023-05-23
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: WELLS FARGO & COMPANY (TX)

Wells Fargo pulled a hard pull on my credit and claimed that they lacked correct info. XXXX notified me within minutes of the pull so it was clearly done on my account. I called to find out what was going and was told Wells wants to do another pull on my credit to fix their system error. No one would help and wasted my time last two weeks dealing with their corporate office. They told me they could remove it from my record- they now say they can not do anything. They are XXXX. Dealt with a competitor and had no issues. Wells needs to be held accountable for their inappropriate business practices.
Consumer complaint received 2022-11-28
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: EQUIFAX, INC. (TN)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX dismissed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX 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 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. 1681s-2 ( A ) ( 1 ) 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.
Consumer complaint received 2022-09-07
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: Experian Information Solutions Inc. (AZ)

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
1. there is some inaccurate information reporting. XXXX XXXX Account Number : XXXX Delete this account. 2. there is some inaccurate information reporting. XXXX  XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 3. there is some inaccurate information reporting. XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
4. there is some inaccurate information reporting. XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 5. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX 9. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX 10. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, CA XXXX
Consumer complaint received 2023-07-08
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. (NV)

Credit inquiries for accounts with these companies appeared on my credit report, and I do not recognize any of these inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-09-08
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)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent account in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any account listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 

Here is the list of account/items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXXXXXX Date Opened : XX/XX/2018 Balance : {$720.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2022-11-14
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. (SC)

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$66.00} ; Medical XXXX Balance : {$73.00}.
Consumer complaint received 2023-06-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Credit Karma (MI)

Credit Karma is doing shady practices. I applied for two cards and was denied for both. What concerns me is that with the first one it said " excellent chance to be approved '' and with the second one, I was " guaranteed '' to get {$50.00} if not approved. In reality, they said it would take a month to see if I wasn't approved ( after it took thirty seconds to get denied online ), and then they said they would send a pre-paid card. That's not {$50.00}. I looked into information online and see they are in trouble for deceiving people in this manner. They were told to stop and obviously don't plan to. Now they have taken my credit score down and it seems like nothing but scams with them.
Consumer complaint received 2022-11-21
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. (LA)

Hello as of XX/XX/2020 i've been receiving telephone calls from debt collection agancies. I started by pulling my credit report to find out whats going on. Upon recieving a copy of my credit report from : Experian, XXXX and XXXX I discovered multiple accounts of which i have no knowledge of. 

These accounts are fraudulent and I would like to report this incident. 
I have also notified the bureaus and was instructed retrieve my existing police report that caused this matter. I also have filed a report with XXXX XXXX XXXX about this incident. 

I have notified : XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX about this matter and they have still continuously report these fraudulent accounts to my report. Incident Description After doing a little bit more investigating into these accounts, I discovered they were opened up shortly after my vehicle was burglarized. My vehicle was broken into along with several others. 

This incident happened XXXX at my previous home. My truck was parked at when it was broken into. 
To summarize my story, my vehicle was burglarized, my : jewelry, wallet, credit cards and laptop were stolen. 

Someone was able to open up fraudulent accounts because they had all my info from the burglary. The fraudulent accounts were opened up shortly after my vehicle was broken into and my items were stolen. 


PLEASE REMOVE THIS FRAUDULENT ACCOUNT IMMEDIATELY XXXXXXXX XXXX Account XXXX XXXX {$300.00} Balance XXXX XXXX XXXX XXXX XXXXXXXX SD XXXX Phone Number ( XXXX ) XXXX
Consumer complaint received 2023-06-12
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO. (CA)

I try in some many ways to work with my lender. in 2022 we sent so many applications but it seems that the investor which is chase as well, cant even raise the payment so we can at least we can keep our property and continue with the mortgage payments. The reason of denials are unfair and are not based on our income expenses or debts. We were never given a breakdown of the income expenses and debt that were consider for the decision. The house is where my mother lives and after the death of my father during COVID-19 pandemic my mother began to fail with XXXX so im taking care of my mother and my name and my husband are in the note as well as my mother. We try to show our income and that we are capable to continue with the mortgage payment but chase just wants to foreclosure on our home. We try to work with the state but now the balance is avobe the limit and the state relief program cant work with us. The past due balance is now {$110000.00}. 

Please help us do something
Consumer complaint received 2024-03-05
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. (VA)

The following accounts XXXX XXXX XXXX - ACCOUNT NUMBER XXXX XXXX XXXX - ACCOUNT NUMBER XXXX XXXX XXXX XXXX - ACCOUNT NUMBER XXXX XXXX XXXX - ACCOUNT NUMBER XXXX XXXX XXXX XXXX XXXX - ACCOUNT NUMBER XXXX XXXX XXXX - - ACCOUNT NUMBER XXXX have been all DELETED from XXXX. The law say all credit Bureaus must report complete and accurate information. These accounts ARE NOT VALID AND should not still be reporting to Experian Or XXXX.
Consumer complaint received 2017-07-27
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. (IL)

I submitted a dispute requesting outdated adverse information be removed from my credit report. According to the FCRA section 605 [ 15 USC 1681c ] subsection ( a ) paragraph 4 the information should be removed. I attempted to have the information removed by fax on XXXX/XXXX/2017, by mail XXXX/XXXX/2017, and finally by phone with XXXX on XXXX/XXXX/17. The information was updated and not removed on the first two attempts. I have not received a response from the last attempt and the 30 day processing time has expired.
I also requested the method of verification used each time and I did n't receive the information on any of the above occasions. They have violated my rights.
I provided them with a detailed letter indicating my request and the section of FCRA that applied to my situation. I also included : a copy of my state issued identification card, credit report, email communication sent from the company, and my payment history. They ignored all of the supporting documents and continued to report the adverse information that is negatively affecting my credit rating.
Consumer complaint received 2023-09-01
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

On XXXX at XXXX, Bank of America emailed me that my credit card was removed from XXXX XXXX. I checked and saw that my card was still there, but was unusable. I went to the BOA app where it said in red my card could not be reactivated. I was also unable to redeem my {$310.00} in rewards which I accumulated over two years, where in red it told me to contact BOA. I was unaware my credit card account was closed, until I called the BOA representative where even he was unable to explain why. The representative said he will send a letter today which includes the reason, but BOA system does not allow him or his supervisor to see the reason why, which is completely unreasonable considering how can he, or anyone assist me in that moment without the reason my account was closed. 

I asked what happens to my {$310.00} in rewards, which he told me he had no idea, but he was unable to process it. He said I could dispute it with the bank, but it appears that if BOA is unable to restore my account, that {$310.00} is forfeited which I can not accept. 

I received no warning, no advanced notice, and I always pay my credit card bills on time across BOA, XXXX, XXXX XXXX, XXXX, and XXXX. Nothing in my XXXX credit report reveals any wrong doing or financial misstep. I believe I am a victim of BOA malpractice because I am aware BOA recently went through a lawsuit of scamming customers, creating false bank accounts, closing accounts without legitimate reason, and withholding rewards. I believe I am now one of those people.
Consumer complaint received 2023-06-12
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: AMERICAN EXPRESS COMPANY (CA)

On XX/XX/2023 someone stole XXXX dollars out my account and the next day they took an additional XXXX thats a total of XXXX I wasn't aware until I tried to make a withdrawal of XXXX dollars It was declined I tried a lower amount of XXXX it was declined I tried a lower amount of XXXXit was declined by this time I leave the drive through atm and pull over and check my account to find out I only had XXXX dollars left to my name..I contacted the branch to inform them of what was going on they transferred me to the fraud department ... They stared there investigation and denied my claim I reopened the case and filed again and now Im denied again ... Ive been banking with them for years my income taxes and work checks have been deposited for years into this account.They tried to tell me that upon there investigation that didn't find any errors... They proclaim only XXXX can be witdawn at an atm but they allowed someone to withdraw XXXX out 18 times at one atm which should gave veen a red flag but no they allowed for another 1500 to be withdrawn a second time... I trusted this bank for years and now Im trusting you can helo me retrieve my funds...
Consumer complaint received 2021-05-16
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (PA)

On Friday XX/XX/2021 I transferred money from my wallet on the XXXXXXXX app ( $ XXXX fees {$340.00} or {$390.00} ) to my XXXX wallet on Coinbase app on my XXXX. 

The transaction is showing as successful in the blockchain. My money is not showing up in my XXXX wallet on Coinbase. 

I contacted both companies. XXXX said it was showing as a successful transaction on their end. Coinbase said they dont support XXXX and could not accept my funds. I asked them to send it back to my XXXX wallet then since XXXX said Coinbase has control of the money right now and they cant reverse the transaction. Coinbase told me they wont release my money and the XXXX had to reverse the transaction. They are both blaming each other and saying the other company can solve the problem. 

I just want my money back please help.
Consumer complaint received 2022-11-21
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. (VA)

My name is XXXX XXXX XXXX and Your agency Violated my rights to privacy. The law you are violating is clearly here. The civil liability law which i will sue under is clearly here. 

15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.