davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-05-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: WELLS FARGO & COMPANY (CA)

When I go online to sign into my  account with Wells Fargo Bank, they have a credit card advertisement for a {$200.00} bonus after spending {$1000.00} with the new card. I found it very tempting and applied online. They responded 'pending ' after I submitted my application. Then I received their letter of disapproval of my application. The reason they gave me was I have 'no consumer accounts with Wells Fargo ' . I have an account with them sin ce 1967.  Ca n't they find me in their stupid system?     I believe they deny my application is because of my last name and my age as well as they are stingy about their {$200.00} bonus. What kind of stupid reason they conjure up to deny me credit -- not a WFB customer? I hereby request that they triple check my account with them and give me some better reasons for disapproval or simply approve me.
Consumer complaint received 2023-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: JPMORGAN CHASE & CO. (CA)

XX/XX/2023, My name is XXXX XXXX a former Chase banking member. I opened an account on XX/XX/2023. I had the account opened only for a short period before the account closed earlier this year ( 2023 ). 

I continue to receive regular emails from Chase Credit Journey regarding my credit score and activity regarding an open account with Chase Bank and my credit rating/score. To the best of my knowledge, I no longer have any accounts with Chase Bank. 

On XX/XX/2023, I received an email from Chase Credit Journey recommending that I, ... head over to Credit Journey to see what you can do next to help strengthen your credit. 

Again, I am a former Chase Bank consumer, no longer choosing to bank with Chase Bank and I am not seeking credit tips/advice from Chase Bank . 

I no longer want to receive emails from Chase Bank. My name and former account information should have been removed from your companys Chase Bank email or mailer contact list months ago. 

XXXX XXXX, Former Chase Member Email Contact : XXXX XXXX
Consumer complaint received 2020-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

On XX/XX/XXXX, I sold my house in XXXX XXXX, CA. It had been in pre-foreclosure because I had fallen behind on my payments. However, it never got to foreclosure status. The house was a regular sale from which proceeds were received. I have the deed of sale indicating such, where my name - not a banks name - is on the signature line. The issue is that this was recorded to the credit bureaus as a foreclosure which has damaged my credit and impeded my ability to purchase a home. At some point between the time of sale and now, the financial institution with whom I had had my mortgage, XXXX XXXX XXXX, was acquired by Nation Star Mortgage ( d/b/a XXXX XXXX ). On XX/XX/XXXX, I contacted XXXX XXXX via recorded telephone conversation advising of this error. I was told that within 6 weeks I would get a response. On XX/XX/XXXX, I received a response from XXXX XXXX in which they state they conducted an investigation and determined that the account was paid in full and that there were no errors found in my credit history and therefore a credit correction was not necessary. This was not the nature of my inquiry. No one is disputing that the account was paid in full, as that is public record. Im disputing the fact that it was recorded as a foreclosure and is flagged as such by the bureaus on my credit report. I made two subsequent phone calls to XXXX XXXX in attempt to further clarify my position. I was told that theres nothing they could do because XXXX XXXX XXXX is defunct, and they recorded the account as closed, paid in full. Since XXXX XXXX Mortgage acquired XXXX XXXX XXXX, they also acquired the burden of correction in addressing issues such as this, which have a direct negative impact on the consumer. Im not sure if its laziness or incompetence but I have a feeling its equal parts. I need my credit report to reflect the sale of my home correctly, and not as a foreclosure. I would also like to be advised of my litigation options, as at this point I believe there are damages to recoup.
Consumer complaint received 2023-02-13
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: BMO Bank, N.A. (IL)

I currently have XXXX hard inquiries on my credit report that I did not authorize. I have filed a complaint with the FTC in regards to identity theft in the past. The XXXX unrecognizable inquires are from : XXXX XX/XX/22 Capital XXXX XX/XX/22 XXXX XX/XX/22 BMO XX/XX/22 XXXX XXXX XX/XX/22
Consumer complaint received 2017-05-06
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: KEYCORP (WA)

On XXXX XXXX, my new key bank express account balance became {$0.00} being withdrawn by bank. I opened this account to get {$200.00} promotional offer if t terms had been met. It says that to deposit 500 or more within the next 60 days to get XXXX. It turned out that it was misleading to begin with. Several bankers said that correct one would be it requires one time automatic payroll deposit of 500. In this case it is discriminatory to someone who get paid every week. it happened the same thing before. My account got abruptly cancelled without any explanation on XXXX this year after 1 week.Bank said i was not qualified for the account because i owed the money. But this is controversial. The bank did after 16 months of original date of the incident where it claimed to deposit to my account by accident for 3 months until the bank pulled all the money from my accounts when i thought the money was given as some type of settlement for the disputed unemployment insurance benefit. The money also got deposited the next day since i got a sudden phone call from banker asking me if i were interested in opening another account with just {$10.00} opening deposit. After money is withdrawn from the account that is not involved with its money deposit, it left about {$350.00} negative balance and accounts got closed by bank. It has been more than 16 months now. it suddenly freezed my accounts and withdrew money without my consent from the account that it said later i was not qualified for and closed the account again.
Consumer complaint received 2023-01-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I noticed several inquires on my credit report that I did not authorize and am listing them as follows : XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. These companies were not authorize nor was I extended any credit for these inquires.
Consumer complaint received 2023-05-23
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: Chime Financial Inc (CA)

On XX/XX/XXXX, I logged into my Chime app for the first time in several months. I had not logged in recently as I have been unemployed and not receiving any income. Upon logging in, I saw that I had received a deposit from my prior employers XXXX distribution that I was not aware of. {$1000.00} was automatically transferred from my checking account to my associated XXXX XXXX XXXX XXXX on XX/XX/XXXX. Beginning XX/XX/XXXX, there are several transactions posted that I did not make, as follows : {$53.00} at XXXX, {$10.00} at XXXX XXXX XXXX, {$280.00} at XXXX, {$170.00} at XXXX, {$23.00} at XXXX XXXX, {$63.00} at XXXX XXXX, {$14.00} at XXXX XXXX, {$29.00} at XXXX XXXX, {$39.00} at XXXX, {$81.00} at XXXX, {$5.00} at XXXX, {$43.00} at XXXX, {$150.00} at XXXX XXXX XXXX {$24.00} at XXXX and {$73.00} at XXXX XXXX  XXXX Upon reviewing these charges, I went to look for my credit card and it was not in my wallet nor anywhere in my home. I immediately contacted XXXX XXXX  for help, and a dispute was filed. On XX/XX/XXXX, I was notified my dispute was denied. That same day, I requested the reasoning and was told it would be emailed to me within XXXX business days. On XX/XX/XXXX, I again requested this documentation. I have yet to be provided with any reasoning for this denial. I did receive a new credit card in the mail.
Consumer complaint received 2023-02-06
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: Self Financial Inc. (MI)

When I called a representative kindly agreed to have this inquiry removed from my account as well the late payments since I didnt realize it would be reported to the credit bureaus. 
Also, I had filled a Police report regarding my identify theft on several accounts under my name. 
Here are the accounts that need to be deleted. 
Currently active in the XXXX XXXX when all of this began. 

Name Account number XXXX XXXX  XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2022-11-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Transunion has failed this consumer : by not adhering, incorporating, and carrying out the policy/procedures laid out ; By National Consumer Assistance Plan, some yrs ago! After countless or numerous times, filing complaints/disputes against Transunion ; involving these Creditors, and accts/debts ( XXXX XXXX, & XXXX XXXX ), and internal investigations render! It had resulted in ; the above listed Creditors, and accts/debts were deleted, and officially removed! Here 's what Transunion failed, and or refused to do, according to XXXX XXXX policies, and procedures : Each CRA must implement a process, for sharing disputes outcomes/results, and consumer info with each other, to improve data accuracy! Had they carried out, their civil duties, and followed that particular policy/procedures! It could or should have ; stopped any further complaints, disputes, and investigations in its entirety! In addition to that, preserved my health at any cost, from adding insult to injury, further harm, relapse, and endangerment!
Consumer complaint received 2023-02-06
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. (NC)

I have Fraudulent Inquiries on my credit reports for Experian XXXX XXXX I have disputed these inquiries multiple times. 

Fraudulent Inquiries XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX
Consumer complaint received 2022-11-28
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. (AL)

i have contact this company and ask them to please Remove all Fraudulent accounts as i have no knowledge of any of these accounts due to the Transunion data breach identity theft. all is being investigated by the FTC, According to FCRA 605B this information must be blocked immediately until the investigation over.
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. (PA)

in accordance with the Fair Credit Reporting Act, The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. Act Name : XXXX XXXX, XXXX Act Name : XXXX XXXX, XXXX 15 USC 1681 section 602 A,  States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) years. 15 USC 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 reasonable cause to believe that the information is inaccurate.
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: Experian Information Solutions Inc. (CT)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX and 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 an account without my written instructions.
Consumer complaint received 2017-09-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: MARINER FINANCE, LLC (FL)

i tried contacting this company zillions of times and left voice messages never recieved a call back there trying to collect on a debt and ruin my credit i never opened with them and i sent them the police report multiple times throguh XXXX and XXXX they keep verifying this account, i never lived in ohio or been there where this account was opened
Consumer complaint received 2023-01-07
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. (MD)

Notice to Agent Notice to Principal ALL CONTRACTS ARE VOID! This is the truth and nothing but the truth. If it is not THE GREAT LAW, I XXXX XXXX XXXX the living SOUL, Will not take part or honor any law that governs the jurisdiction of an illegal fiction. I will not converse in any law that is not The Great Law. Meaning adhesion contracts are hereby NOW void because they werecohesion by deception, This is Written Notice to cancel, settle, discharge, delete, destroy, burn, eliminate disappear, get rid of all illegal fiction contracts. The United States government and the Pope has been deceiving XXXX XXXX XXXX by promoting adhesion contracts, coercive laws, deceptive laws written under the pretax of our government, but its been fraud the whole time.Notice to agent is Notice to principal.I have a bandit all contracts due to the fact I have been deceive through legalese, and I have been trapped in the deception since XXXX.My birthright and blood rights has been taking away without my consent.This is Public Notice to ALL coming from Turtle Island and The Great Law of The REAL Americas ALL CONTRACTS ARE HEREBY VOID DUE TO NON-PERFORMANCE BY THE GOVERNMENT AND THERE CORPORATIONS! This is a Cease and Desist to all parties involved with trying to Contract without any lawful jurisdiction to my illegal fiction. Any corporation using any form of UNIFORM COMMERCIAL CODE or Maintaining a database of any information containing the name XXXX XXXX XXXX date of birth XXXX, Social security number XXXX is FIRED. Attached are copies of my identification and The American Declaration on The Rights of Indigenous Peoples!
Consumer complaint received 2022-08-17
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. (TX)

I have reached out to all of the Credit agencies And they said everything was accurate but upon my investigation and research theres nothing consistent or accurate. 

In accordance with the Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-11-17
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. (NJ)

I XXXX XXXX have not gotten an update report since XX/XX/XXXX. 
I also notice on my report that there is inaccurate information on there not needs to be fixed ASAP. I have even the credit agencies notice and they have not fixed anything. 
this is effecting my job status as well as my home buying progress. I need help ASAP. 

The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX ACCOUNTS : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-23
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)

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these erroneous items to be authenticated ( A ). I will take legal action against you if you do not fix these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-08-14
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: Experian Information Solutions Inc. (NY)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT AND SOME ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THIS NEGATIVE ACCOUNT AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF. I HAVE KNOW IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO ME. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNT AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.
Consumer complaint received 2017-05-06
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

XX/XX/XXXX  at  XXXX   XXXX  mom & I went into Bank of America to add me to ALL of her accounts as she is getting up in age. We took her trust and all of the Power of Attorney papers. We met with  XXXX   XXXX  Relationship Manager  XXXX    XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  CA  XXXX   XXXX   XXXX   XXXX   XXXX  XXXX  XXXX  we worked on our issue many, many times  XX/XX/XXXX ,  XX/XX/XXXX , until we thought it was resolved. I tried calling the IRA dept  (  spoke with  XXXX   XXXX   XXXX  X  XXXX  ) where her CD is and they said they have no record of the  POA  and could not speak with me ( I needed info for her tax man this year,  XX/XX/XXXX   )  I tried working more times with  XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX  and  XX/XX/XXXX . I was told I ned to fax in the POA papers to the IRA dept and all should be fine. I also spoke iwth  XXXX  supervisor,  XXXX   XXXX   X   XXXX .   I faxed the papers to  XXXX  on the following dates :  XX/XX/XXXX  and after a month he finally said did not return my calls so I made a complaint with your c o (   XXXX  ) and I heard from a   XXXX   XXXX    XXXX  X  XXXX . She said to fax it into her direct ly (   XX/XX/XXXX  ) and she will make sure  BofA  had it.   OK now she received it but I need to ma ke 1  more appt with  XXXX  so they can get some ID from me and verify that the POA would get to the document center, which should be the right place. That appt was Monday  XX/XX/XXXX . I also met the Financial Center manager,  XXXX   XXXX   XXXX , he GUARANTEED me I would not have any more problems and he is very sorry I went through all of this. ( Mom is now on  XXXX   )   XXXX  called me wednesday  XX/XX/XXXX  and asked if everything went well with my last visit. I answered " I hope so but I am not convensed because I was told 9 months at the local branch in  XXXX , CA that is was taken care of but it was not. '' She said OK give it another day and then call the IRA dept and make sure they will speak with you.   So on Thursday  XX/XX/XXXX  I called in and spoke with  XXXX   XXXX   X   XXXX , he told me he CAN NOT speak with me directly, only my mom that I need to go into a branch to handle things. I told him about my meeting with  XXXX  and his supervisor  XXXX  earlier that week, so he called  XXXX  and said he can not speak with me  ( still ).    I then asked both, why have I bothered jumping through all the hoops you required of mom & me when you STILL cant help me?   I put another call into  XXXX  the mediator and she has not called me back.   Now I find that you closed the case??? It is NOT resolved!!
Consumer complaint received 2023-05-23
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (NY)

XXXX unauthorized ACH debits of {$10000.00} each were made in XX/XX/2022 and XX/XX/2022 from my First Republic Corporate account which was caught during our audit this year. Upon reporting the fraud to FRB, they reached out to XXXX XXXX XXXX  a couple times, however, they have not responded. FRB said its been over XXXX  days since fraud so they are unable to help further besides send a letter to them. FRB sent me terms that indicates ACH fraud is not FDIC insured. {$20000.00} is a lot of money and I would like it recalled. Is there any way to help?
Consumer complaint received 2022-11-22
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

The consumer is here to dispute any alleged claims that you are now listing as a consumer debt on the consumer 's credit report as a federally protected consumer.

In accordance with the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ), the Consumer is asking you for validation ( FDCPA ).