davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-02
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NC)

I sent a letter on XX/XX/2022, to remove these accounts that are inaccurately reported. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after XX/XX/XXXX. Ive already included this in my previous Complaint # & I am including it again. Please do immediate action regarding this matter. 
XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}
Consumer complaint received 2022-09-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FIFTH THIRD FINANCIAL CORPORATION (TX)

I need to dispute 2 transactions made with my debit card ending in XXXX, I tried to reach the bank by phone but all the times the waiting time was crazy long, I dont have time to waste on that. And they dont provide any other options to report this charge back request. 

Transaction 1 : XXXX posted on XX/XX/2022, Is a XXXX  XXXX XXXX, I should received the item on XX/XX/2022, the seller never sent the item Transaction 2 : XXXX posted on XX/XX/2022, Is a XXXX XXXX XXXX  XXXX, I should received the item on XX/XX/2022, the seller never sent the item I tried to reach the merchant several times but they never answered.
Consumer complaint received 2022-09-02
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I sent a letter on XX/XX/2022, to remove these accounts that are inaccurately reported. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after XX/XX/XXXX. Ive already included this in my previous Complaint # & I am including it again. Please do immediate action regarding this matter. 
XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}
Consumer complaint received 2019-02-01
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: CITIBANK, N.A. (CT)

What is the complaint about? 
Ageism and the violation of rights afforded by the unauthorized use of a credit card clause.

Type of problem Denial of my claim of unauthorized use of my credit card and the financial institution 's refusal to investigate my allegations or listen to my supporting evidence based on their premise that the disputed charges were a chip swipe ( see attached letter from Citi ).

What happened?

When I received my Citi AAdvantage credit card statement for XXXX I noticed a charge for {$1800.00} that I did not make nor authorize. Subsequently, in my XXXX statement a similar-appearing transaction in the amount of {$1500.00} appeared ( see attached statements ). I contacted Citi 's Fraud Department and advised that these charges were not incurred by me. They said they would investigate the charges which I later found out, no thanks to Citi, were XXXX charges swiped on a smart phone to a business in XXXX XXXX that doesn't exist. A couple of days later they informed me they would not reverse the disputed items because their chips could not be counterfeited. Perplexed, I took a closer look at the transaction and realized that I was at XXXX XXXX on both occasions. I have attached a copy of my swipe-in log for the month of XXXX showing that I checked in minutes before the transaction occurred ( see attached document ). On XXXX I swiped my membership card at XXXX ; the transaction time for an exact amount of {$1800.00} was XXXX ( see attached " XXXX '' receipt ). On the XXXX I checked in at XXXX, the transaction again for an exact amount of {$1500.00} was XXXX ( CT has a state sales tax of 6.35 % ). I informed Citi about these circumstances and they ignored my phone call and sent the above-referenced letter. Either my chip was counterfeited or someone broke into my locker, swiped my card on a smart phone and replaced it. My locker was secured with a 3-dial combination TSA lock which can be opened with a TSA key ( see attached picture ). I have never had a XXXX chip charge on this card. I have never filed a fraud claim. I have spent over {$50000.00} on this card in the last two years and have always paid in full when my statements arrive. Plus there is no such business as XXXX  XXXX in CT. I have reported this incident to the XXXX XXXX Police Department and they are investigating it as criminal case ( case # XXXX ). 

The company is Citi, XXXX XXXX XXXX, XXXX XXXX, SD XXXX. 

The people involved are the Fraud Department under XXXX XXXX. They provided no signature for the receipts ; they did not tell me they were XXXX charges, I had to research that myself ; they would not release any information and refused to return my call and the XXXX XXXX Police Department 's investigation officer 's call. 

I feel they neglected feedback because I am XXXX and they thought I would not fight back.
Consumer complaint received 2024-04-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (DE)

On XX/XX/2024, an ACH transaction was sent to the wrong account, and Wells Fargo is taking no responsibility to fix the issue. XXXX XXXX XXXXXXXX said the funds would be returned if Wells Fargo would claw them back, but Wells Fargo is refusing to provide a trace number or address the issue. Wells Fargo is doing nothing to fix the money sent to the wrong account. Claim Number XXXX.
Consumer complaint received 2022-08-29
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Problem with customer service — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

At the beginning of XX/XX/2022 I received a check from XXXX XXXX which is a XXXX XXXX XXXX XXXX. They went out of business so they sent me a {$21.00} check and I deposited it at XXXX bank and when Bank of America went to cash the check Because they are the issue were of the {$21.00} check account for XXXX XXXX XXXX they bounced the check to XXXX and falsely claimed the check had been altered, I have proven to them through statements from the bank saying that I would get {$21.00} back along with emails from the bank showing my statement of {$21.00} owed to me so I have proven that the check is in fact valid XXXX intern closed my account the day my XXXX was deposited and I have no way to get my entire month salary because I live three hours away from the nearest XXXX bank and they wont give me back my money theyve locked up every cent I have and I have locked up my Social Security as well because Bank of America made an error or lied about a {$21.00} check so Bank of America also owes me {$31.00} for the amount of the original check plus {$10.00} and XXXX fees. They also are liable for any late charges that I may incurred due to my Social Security just being missing now because XXXX decided to close my account based on Bank of Americas word that I altered a check. So this complaint is actually against both XXXX bank and Bank of America
Consumer complaint received 2022-08-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Capital One charges interest on the month when you miss a payment and then subsequently also charges internet on the next month even if you paid the previous month and also pay the next month in full on time. Ive just discovered this after almost 10 years of being setup on autopay to pay the balance in full every month where occasionally theres an issue with the payment I automatically get charged XXXX XXXX of interest regardless of payments being made on time and in full. This seems extremely unethical and I must request that this be investigated against consumer protection.
Consumer complaint received 2022-03-06
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. (MI)

In accordance with the Fair Credit Reporting act 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
Consumer complaint received 2019-02-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (IL)

On XX/XX/2018 a withdrawal was done from my Chase checking account of {$260.00} from an ATM. Chase alerted me of the suspicious activity and I advised them I had not authorized the transaction. Chase Bank refunded me the {$260.00} while they made an investigation. Approximately 3-4 weeks later, Chase advised me that they would not be refunding me the {$260.00} anymore because the person that withdrew the money use the correct PIN number on the first attempt. Chase advised me that the withdrawal was done in an ATM in XXXX, TX in a bank called XXXX XXXX XXXX. I advised Chase I have never traveled to Texas and I was still in possession of my debit card. Chase stated they couldnt do anything more since they had already done their investigation. 

I made a police report with the XXXX Police Department and informed Chase fraud department about the report but I have still not heard anything back.
Consumer complaint received 2024-04-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

I am reaching out to address a concerning matter regarding the accuracy of my personal information within your records. Upon reviewing my account/profile, I have identified several instances of inaccurate information that require immediate attention. I am totally devastated because of this situation and I feel someone is paying on my credit profile. As maintaining accurate records is essential for both data integrity and privacy, I kindly request the prompt removal of these inaccuracies. Your cooperation in rectifying this issue would be greatly appreciated.
Consumer complaint received 2017-06-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Questions to the pretender lenders, their agents, co parties principle ( s ) that have never been answered : 1. Under what authority these strangers to me and to the alleged financial transaction that never took place filed for a notice of default when there is no loan to me, see attached declaration of custodian of records at XXXX XXXX XXXX XXXX XXXX that there was no loan transaction in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and in XX/XX/XXXX from any of the parties who have falsified papers to make a fraudulent claim to my private property? 2. Under what authority these strangers to me and to the alleged financial transaction that never took place have been attempting to extort monies and property from me when i : have my non judicial judgment at TILA 1635 et. seq. indorsed by enacted federal and state law and by all three branches of the government, to wit : the president, the congress and the SCOTUS unanimous decision in XXXX v. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ( XXXX Cir. XX/XX/XXXX ), cert. granted, XXXX XXXX XXXX ( U.S. XX/XX/XXXX ) ( Docket No. XXXX, SCOTUS Unanimous decision XX/XX/XXXX, Author : XXXX XXXX ), at 12 CFR 226.15 ( d ), ( 1 ), ( 2 ) and ( 3 ), Reg. Z by Federal Reserve. 3. How did these entities that claim [ falsely ] that the alleged non  existing loan is in default, obtained the right to collect on a non existing debt, and when there is no default and all payments on a non existing alleged loan has been received? [ see declaration of ex police officer and currently private investigator that XXXX XXXX XXXX, XXXX surrendered to California secretary of state in XX/XX/XXXX, therefore it did not exist to give me a loan in XX/XX/XXXX and did not give me a loan in XX/XX/XXXX. 4. what evidence do these people have who are making a grand theft of my home that A ) there was a loan made to me from any of the pretender lenders ( when there was none, see attachment ), B ) that there is a default ( when there is none, see attached that all payments on a non existing loan has been received on continuous basis ) ; and C ) how did these entities obtain the right to foreclose on my sovereign property, where are the unaltered original note? the chain of assignments? proof of payment such as Check 21,  ACH confirmation or cancelled check? when there is none, see declaration of custodian of records at XXXX XXXX XXXX XXXX XXXX. 5. Under what authority the pretender lenders are trying to foreclose on my property when the non  existing alleged loan has been liquidated on XX/XX/XXXX to unknown parties? see attached obtained from XXXX.
Consumer complaint received 2024-04-01
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY (CA)

On XXXX XXXX XXXX XXXX I made a wire transfer to XXXX XXXX aka XXXX XXXX for XXXX for XXXX rainbow boas. I informed the bank, Wells Fargo, that the product was not received. I have several emails where he said he had a permit on the XXXX but kept postponing shipment. Then he contacted me again, saying he did not have the permit. I requested videos, etc. he refused to send me official evidence but refused and requested an additional XXXX dollars. I checked the box that stated this could be a scam, so I assumed I was protected if it was a scammer at Wells Fargo. But they sent a letter saying they would not return the XXXX dollars. So I did not receive the products and lost XXXX dollars. I will be closing my account with Wells Fargo. Customer Service was rude, as well. 

XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-09-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

On today 's date, XXXX XXXX, I was presented an offer online to apply for a credit card that they offered and included in the offer was the statement that they see if I pre-qualify for their card offer and it would not impact my credit score in any way. Which I found out immediately afterwards was a completely incorrect statement.
Consumer complaint received 2019-02-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: WELLS FARGO & COMPANY (NY)

I am a 6 year credit card customer with XXXX XXXX and also a former employee 10 years ago. I was recently in the hospital for a big XXXX and the Bank closed my card because I missed payment during that time. My payment history with them is literally perfect and have a 99 %. I also hold my primary account with them and had over {$4000.00} currently in that account, so they could have debit that account easily. As a result of this they closed my account and I am told they cant reopen it.
Consumer complaint received 2018-04-19
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (DC)

OneMain Financial has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
Consumer complaint received 2022-08-29
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. (LA)

I was taken advantage of, while several laws were being broken under the FCRA by your company. This has caused me financial injury for XXXX months now. TRANSUNION has Failed to Remove and BLOCK the fraudulent information included in my identity theft report from my consumer report.
Consumer complaint received 2022-09-02
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Chime Financial Inc (AR)

I was looking on XXXX to find my wife a XXXX. I found one for a really good deal and contacted the seller. The seller asked for my number as texting worked best for her. I asked questions about the product and she gave answers. Everything checked out and she was a very nice seemingly trustworthy women. She even created the shipping label and sent me the tracking info before I paid as I expressed that I was worried about it being a scam. I then trusted her enough to send the money via a Chime bank transfer. The seller and I stayed in contact for the next 2 days until she quit responding to me and disconnected the XXXX XXXX number she was using. She had told me that she drop the package off at XXXX on wednesday night but two days passed and the tracking still said they hadn't received the package. It is clear to me now that I have been scammed. I contacted chime to reverse the transfer but because it was bank to bank and it was instant, they could not help me. 

Dates : money transfer took place on Wednesday, XX/XX/XXXX. 
Shipping label was created on Wednesday, XX/XX/XXXX. 
Dispute was filed on Friday, XX/XX/XXXX.
Consumer complaint received 2019-02-06
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credit Service Company, INC (MD)

I received a statement from Credit Service Company Inc. ( The Accounts Receivable Professions ) listed at XXXX. XXXX XXXX, XXXX  XXXX, CO XXXX marked XX/XX/2018. They stated I owe {$1000.00} for a Hospital Visit. I have record that all bills have a XXXX  balance from any time I was hospitalized in the past.
Consumer complaint received 2018-04-19
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. (OR)

The following Inquiries I have tried with all three bureau 's to get them to take these off my report because I did not authorize these company 's to pull my credit. I asked them if they were not going to take these inquiries off my credit report then to send me documents show that I signed for these company 's to pull my report. I know for a fact they can not show me I signed for a credit pull because I don't even know half of who these people are. So far nothing has been done about them and it is damaging my chances of buying a home. I have great credit if it was not for this. I keep getting the problem has been resolved and it has not. 
Here is the list : XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Inquiry fromXX/XX/XXXX Inquiry from XX/XX/XXXX Inquiry from XX/XX/XXXX Inquiry from XX/XX/XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Inquiry from XX/XX/XXXX Inquiry from XX/XX/XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX Inquiry from XX/XX/XXXX Inquiry from XX/XX/XXXX Inquiry from XX/XX/XXXX XXXX XXXX   XXXX, PA XXXX ( XXXX ) XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX, NJ XXXX ( XXXX ) XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX, NJ XXXX ( XXXX ) XXXX Inquiry from XX/XX/XXXX
Consumer complaint received 2023-08-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO. (PA)

Please send me ALL CHASE Bank statements for past 6 months. 

Please remove all and any fees charged on my XXXX ( XXXX ) accounts. 

When I opened, banker told me there are no fees on account ( XXXX ), totally free accounts as long as I have positive balance. 

Return all fees. 

XXXX
Consumer complaint received 2019-02-01
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: EQUIFAX, INC. (NY)

XX/XX/2018 I received a letter from XXXX XXXX XXXX in regards to a debt on a auto loan with a settlement offer which I paid and a promise to delete the account from the various credit reporting agencies. I was told it would take 90 days by XXXX to delete the account so far that hasnt materialized. I have also disputed the account through the various credit reporting agencies.
Consumer complaint received 2023-01-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: DISCOVER BANK (VA)

In XXXX, I was billed {$1200.00} for a XXXX that arrived damaged & then denied servicing by the merchant. Discover was not " actively monitoring '' and could have easily found that the merchant abused my card. They even admitted they sold me a defective unit & went on further to deny repair to the bike. They continue to " stand behind their decisions ''
Consumer complaint received 2019-02-01
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC (VA)

The company, Phoenix Financial Services LLC, sent me a letter regarding an account they were collecting from. They provided no evidence to substantiate the debt, and merely asked that I pay it. When I contacted them about it, the phone line led to an automated voice line asking me to pay. I dismissed them as a con artist, I did so because everything about them seems shady and overall below board. They called me repeatedly from spoofed numbers from then on out. Which I never answered because scam phone numbers are blocked my cell provider automatically. When I was called back regarding the debt one day when a call that wasn't blocked came through, I mentioned that the account may be fraudulent, the operator immediately hung up on me. Weeks later, after not validating the debt to me at all, the company opened up collections derogatory mark on all three of my credit reports. This is something they've been asked by courts to not do in the past by the way. When I contacted the company to cease and desist, they were very difficult to work with and kept asking me for PII, they were rude, once again provided no information to validate the debt, or any information about their business. When I asked them for the information regarding their registered legal agent, they simply declined to provide it. Overall, they have no basis to collect a debt from me and may have broken several laws in the process so far. I also think it's worth noting, they are especially difficult to work with when they are informed that they are being recorded via phone call.