davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-09
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: Dave Operating, LLC (TX)

I opened up a Dave account and I have requested advances and paid them back on time. On XX/XX/XXXX I received a call from Dave that stated someone is trying to get into my account and if its not me to enter the code it sends to my number. So I enter the code and someone hacks into my account. Then the fraudulent person requested an advance of XXXX XXXX I contacted Dave immediately as I seen this happen and the lady I spoke with told me some one got into my account and added a card to my account and transferred the XXXXXXXX XXXX to a card ending in XXXX. I DO NOT HAVE A CARD ENDING IN THAT NUMBER. The women then sent me a code to my cellphone so I can reset my password but that still didnt stop the fraudulent individual from having access to my account. So that same day they started an investigation and told me that the fraud team would reach me in 3 to 5 days. It has been a month and nobody from the fraud team has contacted me. So then on XX/XX/XXXX the individual that has access to my account manually repaid the advance using my XXXX account of {$130.00} that I have attached to Dave and as soon as they repaid it they requested a XXXX XXXX  advance. Come on now!!! Why would I do that!!? So I then immediately contacted Dave as soon as my money was stolen from me and nobody helped they just stated they would add what happened to the open investigation. So I then contacted my bank XXXX to dispute the charge of XXXX and during the dispute process, Dave contacted my bank to tell them the charge is legit, KNOWING that I have an open investigation with them, KNOWING that someone added XXXX fraudulent cards ending in XXXX and the other ending in XXXX. Its also funny how Dave sent all the info about the advance and amount of advance but they did not show my bank what card the money was transferred over to because they know I do not have any card with any of those last XXXX digits.
Consumer complaint received 2023-08-18
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. (GA)

XXXX XXXX, credit services department refuses to provide me with my 2 charge-off credit card accounts, ( XXXX XXXX XXXX and XXXX XXXX accounts- XXXX XXXX 1099-C for both credit cards. So, I may file my taxes with the IRS. XXXX XXXX is making it very difficult to receive my 1099 forms. I would have to also report them to the IRS so they may reach out to them with the information.
Consumer complaint received 2021-01-05
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. (AL)

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 
FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX 3. XXXX XXXX XXXX XXXX XXXX Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. XXXX XXXX Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
5. XXXX  XXXX XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX  on XX/XX/XXXX XXXX Reported Identity Theft ) 2. XXXX XXXX  XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft )
Consumer complaint received 2022-11-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NC)

2. This was not sent inadvertently or by any other person than me ; I am a consumer by law, and thanks to XXXX 's misuse of my information during a data breach, some of the accounts and things on my credit report are not completely true. That improper handling of my credit profile was unethical.
Consumer complaint received 2021-03-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The Law Offices of Jennifer McCoy, PC (TN)

The Law Office of Jennifer McCoy contacted me via a mailed letter on XX/XX/XXXX attempting to collect a debt I was unaware of. The debt was utilities at my previous apartment completed who'd told me previously that I did not owe them. I contacted the apartment complex and paid the debt. I then informed the law office of Jennifer McCoy that I'd paid the debt directly to the apartment complex. The law office of Jennifer McCoy told me they updated their records to show that I no longer owed. On XX/XX/XXXX they reported a collection to my credit report despite the fact that I was never sent to collections nor owed anything.
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 — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

XXXX XXXX CARD - incorrectly reporting as : Payment after charge off/collection Purchased by another lender. This was paid in full in XXXX of 2021, and I have made multiple written requests for evidence of the charge off/pay history for which there has been no response for more than 60 days now.
Consumer complaint received 2018-10-09
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

On XX/XX/XXXX I received a notice from B.O.A regarding an unauthorized XXXX payment in the amount of {$300.00} to XXXX On XX/XX/XXXX I contacted B.O.A and on XX/XX/XXXX I received a message from B.O.A advising that they credited my account and they were researching the claim. To this date I have not received further information regarding the claim. 

XX/XX/XXXX XXXX XXXX Alert from Bank of America regarding a {$1500.00} transfer out of my savings account and requesting confirmation of whether I made the request or not. 
XX/XX/XXXX XXXX XXXX. Received an email from Bank of America with info the recipient info of the transfer to a XXXX and it was transferred. 
XX/XX/XXXX XXXX XXXX.- received an email alert that the transfer was complete with transaction number XXXX conf. XXXX XXXX. 
On XX/XX/XXXX I had outpatient XXXX and was recovering until approximately XXXX that afternoon at which time I saw the 3 emails for the first time. I immediately contacted B.O.A to advise them that the transfer request was not authorized by me. They immediately closed my checking and savings account and locked my online banking account. At that time B.O.A started an investigation into the fraudulent activity. 
On approximately XX/XX/XXXX A B.O.A Associate contacted me and asked me some questions. Did anyone use my phone? Did I know a XXXX? They subsequently advised me that the transfer was made from my phone and that they were not going to reimburse me the money. 
The following Day I went into B.O.A. and showed them the papers from the XXXX center and proving to them I did not use my phone when the transfer was made. B.O.A digital fraud dept. told me I need documentation from my wireless carrier stating that there was malware on my phone otherwise they could not honor my claim. 
I went to XXXX and talked to the tech dept. and they verified that there was no malware on my phone and was told that there are several other ways this could have happened. 
On doing some internet research of my own I found an F.B.I. bulletin dated XX/XX/XXXX The Data Phone Scam entitled The Latest Phone Scam Targeting Your Bank Account,, wherein was exact fraudulent activity I experienced during this event.
Consumer complaint received 2023-07-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO. (VA)

On or about XX/XX/2023, I upgraded my XXXX XXXX Credit Card with Chase bank to the XXXX XXXX XXXX Credit Card with Chase Bank. 

The offer I was presented with, to which I spoke extensively with a representative, referred to the following offer : -- XXXX bonus miles : after you spend {$5000.00} in purchases during the first 3 months your account is open. 
-- These card products are available to you if you do not have the same card and have not received a new cardmember bonus for that card in the past 24 months. 

The Chase Agent assured me that as I had never upgraded a card in 12 years, nor had I ever possessed this specific card, that this upgrade was eligible for the new card XXXX point bonus upon spending {$5000.00} within 3 months ( this conversation took place on a recorded line ). 

A friend of mine also signed up for the same bonus, on the same credit card, on the same day, and had a countdown showing how much more was needed to spend towards the {$5000.00} to qualify for the XXXX point bonus. My account did NOT show the same information which prompted me to call Chase. 

I was told by Chase that the plan I was on for upgrading my card was actually only eligible for XXXX bonus points. I requested they pull up the recordings from approximately 10 days prior as I was told differently when applying for the card. I was told I would receive a letter informing me of the decision. Shortly after XX/XX/2023, I received the attached letter informing me I was ineligible for the bonus miles. This was a bait and switch and therefore illegal. 

The main reason I applied for and obtained this card was based on the assurance I would receive the bonus miles. Had a Chase employee not assured me I was eligible for the bonus, I likely would not have upgraded to this card. There is a substantial change in yearly payment as well, from {$95.00} to {$520.00}. 

At this time, I do not wish to downgrade back to my original card, I would like to be awarded the XXXX points I am due upon spending the requisite amount and an additional XXXX for the inconvenience obtaining what I am entitled to has caused me. I have already spent almost {$3000.00} of the {$5000.00} required due by end of XXXX, 2023. I will likely reach that by the end of XXXX, 2023. 

I have a {$15000.00} limit on this card and spend it every year very actively, and pay it off every month. I have been a cardholder with Chase for over 12 years and would expect better from a bank that has had my loyalty for all these years.
Consumer complaint received 2023-08-11
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Eastern Account Systems of Connecticut, Inc. (CT)

I have been trying to get an invoice for the amount I owe XXXX XXXX. I have sent letters including pages and pages of documentation proving that I only owe payment for services from XXXX XXXX XXXX to XXXX XXXX XXXXThe Facts : ~My last payment was {$73.00} on XX/XX/2023. That brought my balance due to {$0.00}. 
~My next bill was not due to be paid until XX/XX/2023. 
~I completely lost all internet service on XX/XX/2023. I spent hours of troubleshooting over the phone. XXXX  could not resolve and could not send a technician to my home until the beginning of XXXX. 
~I work from home as a project manager. This delay in internet service would have cost me my job. 
~After giving XXXX  a few days without resolution, I called XXXX and had their internet installed that day. 
~ I alerted XXXX several times to close my account as they were no longer needed. 
~I have proof that I sent back all equipment and that it was received by XXXX. 

They chose to ignore all evidence and sent my account to EASTERN ACCOUNT SYSTEM INC for debt collection. 
On XX/XX/2023, the day I received the letter from XXXX XXXX  XXXX XXXX, I sent them all documentation proving that this inflated dollar amount was fabricated by XXXX XXXX. 
Today, XX/XX/2023, I received a letter from EASTERN ACCOUNT SYSTEM INC who merely sent me another invoice and stated that it was validation of the debt owed. This is clearly a purposeful misrepresentation of the amount owed.
Consumer complaint received 2023-08-10
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: WELLS FARGO & COMPANY (TX)

On XX/XX/2023 I applied for an extension of credit from Wells Fargo. They discriminated against me and denied me credit. I filed a complaint with CFPB in which I demanded my civil penalty provided for violations. On XX/XX/2023 Wells Fargo replied that they complied with most of the banking laws and insisted that they were not going to pay my self-imposed civil remedy. 
Here is a link to FTC webpage that cite the was to discriminate : https : //consumer.ftc.gov/articles/credit-discrimination It's been my experience that most financial institutions will pick and choose which laws they wish to follow, especially Wells Fargo.
Consumer complaint received 2023-03-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (IL)

On or around XXXX of 2022 I requested information leading up to why information was showing up on my credit report ( s ) about alleged verified information. After reaching out to the entity to verify the bureau 's information and finding out they don't verify information because it is personal information. It brought me to this agency to correct what the bureau 's are reporting as inaccurate information.
Consumer complaint received 2023-08-19
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: BMO Bank, N.A. (AZ)

My XXXX year-old mother passed away last year and had a fiduciary/insurance agent supposedly taking care of her finances. As it turns out, he stole over {$750000.00} by using her bank accounts to pay off his own loans, debts, mortgage, car payments, utility bills, family trips, eating out, and just about everything that he could. He was making transfers into other accounts that were over {$10000.00}. He charged just under {$50000.00} through XXXX ( which my mom didn't even know was a company ). He brought his house out of foreclosure and sold it less than two weeks after she died. He then moved out of state ( without telling anyone ) to XXXX, TN. 
The banking records were received under subpoena as the man, XXXX XXXX ( DOB : XX/XX/83 ), who was also appointed as the executor to her will, stopped responding to requests made by the beneficiaries as well as the attorney that he hired from the law firm that wrote my mother 's will. She had accounts at : XXXX XXXX and BMO/Harris. He also " sold '' her an annuity ( that cost {$250000.00} ) through XXXX XXXX. The annuity did not list a death benefit ( although it was specified in her will ). 
The banks appeared to have done NOTHING to protect my mother who was a vulnerable adult from the financial exploitation ( along with countless crimes- state and federal ) that XXXX XXXX perpetrated on her.
Consumer complaint received 2022-10-22
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. (IL)

This is the several time I've complained about being a victim of identity theft. The 3 credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXXXXXX XXXX XXXX XXXX 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 2023-08-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (CA)

This involves an altered and fraudulently cashed payroll check. Reported by me on or about XX/XX/23. The check was obviously altered, in fact unreadable, yet Citibank removed the funds from my business account. It has now been over 90 days since it was reported, all data has been provided. Case # XXXX. I have been refused reimbursement pending a response to Citibank fraud team from XXXX XXXX XXXX  which received the check. Citibank breached their duty to protect my account from obvious fraud. Just glancing at the submitted check it is obvious and impossible to make out the date, numbers or written amount, yet they took the funds out of my account. There is no way I could deposit a check written like this at the Citibank across XXXX XXXX as they scrutinize each and every check in a tedious process while I am making a merchant deposit, yet they allow a check like this and remove funds with no scrutiny. I want my taken funds returned to me ASAP. Many phone calls meet with no pro active action, other than they are waiting on something. The error was initially/principally theirs so they should make me whole first and foremost, then seek action against who ever they think was involved in this fraudulent activity. 

Regards, XXXX XXXX XXXX, XXXX
Consumer complaint received 2023-06-30
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (TX)

On XXXX XXXX XXXX my car was broken into and my wallet stolen at XXXX. the criminal took my wallet and with my personal information, called chime and changed my pin and went to atm and withdrew XXXX dollars plus atm fees. XXXX with my knowledge or consent. i woke up and saw the notifications and immediately called chime to report the crime. I also recd. an email from CHIME about my pin being changed at the same time, which he was able to do with my social security card which was in my wallet. i called XXXX police department, officer came out, took report, went to corner store and looked and obtained video footage of criminal using my chime card and then throwing it away. a XXXX detective saw the footage and immediately identified the criminal who he knew due to his longevity of criminal history as XXXX XXXX. I was given a police report number and the officers that were involved names and numbers. I was contacted by the XXXX  a few weeks later, he was in jail in XXXX XXXX for several charges up to and including the fraud with my CHIME card. i obtained what police report they could give me and a letter stating why it was not fully completed. I forward the cops names, police report number, police report, CHIME just keeps saying it is not enough info. But, yet will not tell me what else to provide. They just keep saying it was not their fault, so they are not liable. well it was not my fault either and according to the claims on their websites, they have a XXXX liability clause if this such crime happens to cardholders. Yet, they refuse to honor what they advertise and keep telling me to keep rebutting it. This has gone on since XXXX. It is now the end of XXXX. There is no more information I can get for them and they should be held accountable for the services they offer and not vilify a victim who was robbed. I am a XXXX  mother so every dollar counts. Is this something your office can help me with PLEASE?
Consumer complaint received 2023-08-11
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 (CT)

on XX/XX/XXXX Capital one charged me {$200.00} calling it a credit refund charge. I made no such charge and had no interactions or made such a charge. Capital one has done this before, I was unaware of the charge until yesterday.
Consumer complaint received 2023-08-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: U.S. BANCORP (WA)

In the XXXX XXXXXXXX XXXX XXXXXXXX, I reached out to Fidelity by phone regarding an erroneous foreign transaction fee on their Fidelity Rewards Visa Signature Credit Card. The customer service representative assured me that he would alert his superiors about the inconsistency between Elan Financial Services website and their actual procedures. Yet, the website has not been updated since. Elans site, under the Credit Card Terms Disclosure, claims that there is no foreign transaction fee. However, they impose a 1 % fee on all overseas transactions. By law, Elan should provide and adhere to a fee schedule for their credit card users, but they fail to do so, which appears to breach federal regulations. 

Link to credit card website : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The Disclosure of Credit Cars Terms website can be opened from Fidelitys website by clicking on the No annual fee hyperlink, located directly above Apply now.
Consumer complaint received 2023-08-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ACIMA CREDIT, LLC (CT)

I diluted this with the credit consumer reporting agencies in XX/XX/XXXX, I also disputed this directly with XXXX and no response. XX/XX/XXXX AXXXX XXXX XXXX XXXX Im confused as to why this is on my report. I never had an account with them and they never sent me anything in the mail. This company has failed to respond. Its charged off and they sold this debt. They have not said to who? They have not answered disputes. They have not sent me any information XXXX XXXX XXXX XXXX High Balance : -- Last Verified : -- Date of Last Activity : -- Date Reported : -- Date Opened : -- Balance Owed : -- Closed Date : -- Account Rating : -- Account Description : -- Dispute Status : -- Creditor Type : -- Account Status : -- Payment Status : -- Payment Amount : -- Last Payment : -- Term Length : -- Past Due Amount : -- Account Type : -- Payment Frequency : -- Credit Limit : -- Two-Year Payment History XXXX NONE REPORTED {$3200.00} -- -- -- missing incomplete XXXX XXXX Account XXXX -- XXXX account number XX/XX/XXXX -- XX/XX/XXXX -- XX/XX/XXXX -- {$3200.00} -- -- -- missing incomplete Derogatory -- Individual -- Account not disputed -- Sales Financing -- Closed -- Collection/Chargeo! -- {$0.00} -- XX/XX/XXXX -- 12 Month ( XXXX ) -- {$1400.00} -- XXXX -- -- -- missing incomplete information {$0.00} -- Past due amount/balance owed/date of activity is the past the date the date of last paid/missing incomplete inaccurate payment history/last payment/last balance