davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-03-14
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. (LA)

XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX   XXXX XXXX. XXXX XXXX XXXX, PA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-03-14
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

Capital one card inquires on XX/XX/XXXX and XX/XX/XXXX XXXX card inquiries on XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXX   inquiry on XX/XX/XXXX
Consumer complaint received 2020-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (LA)

Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX. XXXX XXXX XXXX, PA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-03-14
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: JPMORGAN CHASE & CO. (FL)

XXXX XXXX card inquires on XX/XX/XXXX and XX/XX/XXXX Chase card inquiries on XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXX   inquiry on XX/XX/XXXX
Consumer complaint received 2020-03-14
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. (FL)

XXXX XXXX card inquires on XX/XX/XXXX and XX/XX/XXXX XXXX card inquiries on XX/XX/XXXX and XX/XX/XXXX Equifax mortgage services inquiry on XX/XX/XXXX
Consumer complaint received 2022-11-02
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (MD)

XXXX XXXX XXXX reported the credit agencies that I settled my account for a lesser amount owed. This authorization must be accompanied with a verbal approval or a signed Settlement Authorization Form. I did not approve either. I did not authiorize a third party to act on my behalf. Because my account was fradulently settled for a lesser amount, my credit score was tremendously affected negitivley. I have requested that XXXX XXXX provides me with the signed Settlement Authorization Form ; which they have failed to produce. Due to a third party acting on my behalf without my approval, this action by law is identity theft. XXXX XXXX XXXX also reported to the credit agencies, that the XXXXXXXX XXXX  payment was late ; which is false. It is also being reported that the accout was paid in full on XX/XX/2022. One has to be false ; which results in the removal of the account by law.
Consumer complaint received 2020-03-27
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: ALLY FINANCIAL INC. (WA)

I also sent the following to Ally on XX/XX/XXXX, received an email stating I would hear back from them within 3 days, but it's been four and I have heard nothing. 

I opened an automated investing account with Ally at the beginning of XXXX. The initial investment of {$5000.00} was transferred to the account on XX/XX/XXXX. Sometime between then and the XXXX I became aware the new account was marked restricted due Ally 's inability to verify the address I provided. I was unable to provide the supporting documentation requested, as I had provided a mailing address and apparently a residential address was required ( there was no indication of this when I opened the account ). I contacted Ally support immediately and they lifted the restriction on the account temporarily so I could transfer the money out of it, which would close the account. I did so, and received an email from Ally on XX/XX/XXXX stating that they would review the request that day, liquidate the funds and make the transfer. The funds were not invested yet, and still aren't according to the dashboard, so they should have been available immediately. 

It has been a month and the money still hasn't been withdrawn from the account account, and it still hasn't been closed. I have not had access to the account for this entire time, as it is " restricted '' due to not being able to provide the requested supporting documentation. 

I have spoken to support over the phone twice now to resolve this issue. The last time, which was last week, the support specialist removed the restriction on the account so I could try to withdraw the money again. However, I was unable to do so at that time. The error Ally returned was that there was already a pending transfer. 

I am becoming deeply concerned, as Ally is currently holding {$5000.00} in limbo and has not provided an explanation as to why, or a path to resolution. I have made it *very* clear that I wish to withdraw all the money and close the account, but so far Ally bank has not complied with this request despite the fact that the money is not, and certainly should not, be invested.
Consumer complaint received 2024-04-11
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY (FL)

There was fraudulent activity on my Wells Fargo credit card, which I reported on the same day I received messages about suspicious activity. There were three transactions. Two of them were reimbursed, but one for {$320.00} wasnt reimbursed. I reported it four times, but the bank kept sending me a new card without returning the money. In the end, they sent me a letter claiming that this transaction was authorized by me, which it wasnt. I have an SMS from Wells Fargo that includes this transaction as suspicious activity. It is from the same merchant as the other two transactions, which they were able to remove, and it was made in XXXX.
Consumer complaint received 2020-03-27
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ResidentCollect, Inc. (TX)

On XX/XX/2020 I wrote to Innovative Recovery about a debt that claimed I owe, which I requested validation. Innovative responded with a partial lease agreement although the supposedly final balance statement shows an amount of {$1200.00} owed for " insufficient notice charge '' in addition to {$510.00} reletting fee. I then contacted Innovative again requesting to see the full and complete lease agreement, particularly the part showing the part about me agreeing to be charged {$1200.00} insufficient notice charge. Instead of providing me with adequate evidence of this charge, Innovative sent me the EXACT same response as before. Without a full and complete lease agreement, I have reason to believe this amount has been inflated.
Consumer complaint received 2020-03-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: AMERICAN EXPRESS COMPANY (CA)

0 % balance transfer on $ XXXX on AMEX EveryDay Credit Card. Called several times and told refund interest will be paid to account on XX/XX/20 and XX/XX/20. XX/XX/20 told will receive {$150.00}. XX/XX/20 told no interst to be refunded for determined not qualified. XX/XX/XXXX told by supervisor not qualified would not present evidence or documentation and would not refund interest charge, event though recommended by AMEX to open card for 0 % balance transfer and card is advertised as 0 % balance transfer card. Told him closing card and paying card off less interest and filing complaint with FTC.
Consumer complaint received 2024-04-11
Product: Credit 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: AMERICAN EXPRESS COMPANY (IL)

Due to some unauthorized charges I had my American Express card closed and the new one was issued. I suppose to receive it on XX/XX/24. Despite my credit card being closed, I noticed on XX/XX/24 pending charges for {$650.00} from XXXX XXXX  for the order I never placed. I called XXXX  customer service and was told no charges were placed to my card and I didn't have any order placed on XX/XX/24. I called American Express to inform them about those unauthorized charges. On XX/XX/24 I received an email from American Express to inform me that those charges will be monitored. Today, XX/XX/24, I called American Express to find out why my credit limit in minus and was told it because of those pending charges. To my question if my phone call I made regarding those charges on the records I didn't get any response. Also I didn't get any response to why those charges were accepted if my card was closed.
Consumer complaint received 2022-12-31
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: Uplift, Inc (MN)

And this is why This dispute comment takes the account out of being factored into the XXXX XXXX, so if an account with a negative history gets its dispute remark removed, then the XXXX XXXX may go down. On the other hand, credit scores may go up if the dispute comment is removed from a positive account. 

Come on XXXX and uplift I can see what youre doing. You are breaking the law! 
This information will be used when lawsuit is filed You XXXX want to play a game XXXX with me and watch as of Tuesday or Wednesday lawsuit will be file on your XXXX
Consumer complaint received 2021-03-19
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: BARCLAYS BANK DELAWARE (UT)

My wife and I both Applied for the Barclays Frontier Airlines Mileage Master card on or about XX/XX/XXXX. On the website and in the terms and conditions it stated we would receive XXXX bonus miles after we spent {$500.00} with in 90 days. I had my card rushed delivered and received it on the XXXX of XXXX. Upon receiving the card the documentation that came with the card stated on XXXX miles upon spending {$500.00}. I immediately called Barclays to address the conflict between what I signed up for and what I received. The agent was very helpful and she and I walked through the web links, which I screen shot for future reference, and she agreed that it did say XXXX miles but she needed to open a case. When my wife received her card it was the same issue. After no response other than a message stating the issue was being looked into we called again on XX/XX/XXXX and again explained the issue with both cards. The agent at that time said the cases will be reviewed and they would get back to us. Each of received a letter on XX/XX/XXXX stating " We're currently unable to assist you with your rewards issue. '' The case # s are as follows XXXX and XXXX. With the case numbers being consecutive it tells me the original agent never opened a case for myself as if was going to fix it self.
Consumer complaint received 2024-04-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC. (MD)

Unauthorized charged. Disputed & had a new debit card sent. Dispute denied. Unable to respond to email. SoFi has taken the funds and I have not been returned the funds although I reported the transactions within the guidelines as well as had a new debit card sent.
Consumer complaint received 2023-12-27
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (CA)

On XX/XX/, my Coinbase account was hacked. To the best of my knowledge, I was not phished or scammed, the attackers were simply able to gain access to my account. My account was secured by XXXX XXXX, and had all my personal information linked to it ( cell phone number, address, bank account number ). Though my accounts activity log, I found there were almost one hundred login-attempts on my account, originating from a XXXX  IP address. After gaining access to my account, the hackers sold all of my holdings, added their own bank account to my Coinbase account, and sent all of my money to their added bank account. I only realized something was wrong after Coinbase locked my account - implying Coinbase knew something was wrong, but acted too slowly to stop the money from leaving my account. The total amount that left my account was about {$12000.00}. Upon contacting Coinbase support, they claimed no liability, on the grounds that my credentials were compromised. Even if that were true, they offered no explanation as to how the attackers were able to bypass my XXXX from a foreign IP address and add a new bank account without locking my account before the money was moved, or flagging the security obvious concerns.
Consumer complaint received 2021-03-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Hello, On XX/XX/XXXX my account was put on hold while trying to get a cashier 's check from my bank. The branch manager stated they're a government institution and need to vet funds sent from the government. I was a bit confused and taken back with the blatant lie so I responded the sba approved the loans which are government funds by a government institution. I couldn't believe she told me that capital one was a government institution affiliated with the sba and could make final decisions on holding loans an they're over the sba. I ask if I can make a cash withdrawal she tell me I can't until they verify where the loans came since they wasn't sent to a business account even though it clearly says lender name Sba. she tell me this is normal and verification is 1 to 2 days. We go back and forth I ask what will they need to verify she give me a number to call and explain she doesn't know and can't take documents. I call the number and XXXX is confused as me and couldn't tell me what documents he needed to verify I gave a guess will closing documents he tell me I'm the smartest person he's talked to. he gives me an email XXXX send my closing documents proving the sba approved my lender to send funds. I call the next day hit a dead end but get my case number and this XXXX XXXX told me resend the email with the case number XXXX. I continue to call and got a very rude supervisor XXXX week 2 she told me they would end our relationship and send my funds back and she was processing the return as we spoke I asked for a timeline she said she can't tell me that. After a little common sense back and forth she say she can't tell me a timeline since my case was still in review. I asked if I could speak with someone over her since she just lied to me she declined me several times telling me i can't speak with anyone over her. " There's no on over me you can speak with. '' She did let me know my documents had been received. She asked if I'd like to file a compliment I say sure and I asked for verification my account was end and verification the complaint was made she said I would get and email and have yet to get one to this day. So I don't believe she even made the complaint. We are on day 15 business day with no real answer as to why my account is still on hold no verification no timeline on when this will be over. The funds are still in my account haven't been sent back to the lender. XXXX I add they do not want them back so I've gave my lender my new bank account. These people at capital one are basically telling me nothing to bring an ounce of peace of mind just watch all the late fee rack up and business relationship ship dissolve.
Consumer complaint received 2022-03-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

I have a XXXX credit card. My account was used without my authorization, resulting in a balance owed. Prior to the unauthorized use, my account had a {$0.00} balance. The fraudulent use caused a balance to be owed. However, I was not aware the account was used without my authorization before it went more than XXXX days past due. A XXXX day late payment was reported on my credit report in XXXX, XXXX. 

Upon resolution of the fraud claim, I disputed this account with XXXX, Equifax and XXXX XXXX. XXXX reported the XXXX day late payment as accurate and kept the late payment on my credit report.
Consumer complaint received 2023-02-05
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. (FL)

In accordance with the Fair Credit Reporting act, 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. secondly, i have the right to sue if i think consumer bureaus are preventing me from getting certain loans or benefits by reporting false information on my report. 

unrecognize auto loan hard inquiries. i do not recognized or gave my consent for the following auto loan hard inquiries. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX - XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX other non auto loans i do not recognize as well includes XXXX XXXX XX/XX/XXXX XXXX - XXXX XXXX XX/XX/XXXX 2021