davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (DC)

On XX/XX/20 I file a dispute for fraudulent charges made using my checking account that included approximately 20 charges. I provided Wells Fargo with all of the information I had including a copy of the FTC identity theft report. When asked why I had not recognized and reported the charges earlier, I advised that I did not check my online banking statement and would have had no other way of knowing about the charges. This was able to be confirmed by looking at my activity and account usage. On XX/XX/20 I learned that the entire dispute was denied. When asked why the dispute was denied, I was told that the claim was reviewed in its entirety and a decision is made as a whole rather than on a transaction by transaction basis. Additionally, in making that decision Wells Fargo has factors that it looks to to make this determination. However, days earlier, when I requested to review the claims details with a representative to ensure that the claim was filed appropriately I was told that the transactions that were more than 60 days old would have to be denied because the time to dispute the transactions had expired. If that rationale was used to deny those charges, it could not also be used for transactions that were timely disputed. Furthermore, in speaking with some of the merchants I learned that some of the charges were made online without the physical card being present. It is illogical to investigate a transaction made with the physical card in the same manner in which online transactions are processed. Wells Fargo did not dispute the claim in accordance with federal regulations. This is a norm for Wells Fargo, and why I closed my accounts 6 years ago. I thought over time they must have learned to do better. But they have not. They are in direct violation of their own policy which provides for XXXX liability for fraud. At a minimum, Wells Fargo should have put the onus on the merchant to provide supporting documentation that the charges were valid. Instead Wells Fargo investigated the claims against me as if they were the merchant who allowed for the fraudulent transaction. Wells Fargo 's failure to fully investigate my dispute is a violation of federal regulations.
Consumer complaint received 2019-06-28
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: Experian Information Solutions Inc. (GA)

XXXX XXXXXXXX XXXX Mr. XXXX XXXX invoking XXXX XXXX. Default judgment wrongfully entered by XXXX  while in XXXX XXXX. Experian reporting fraudulent information ; to date is completely false. Plaintiff entitled to sum of economic loss, employment, property, assets, future and potential earrings in violation section XXXX XXXX. 

Mr. XXXX is the victim of identity theft/fraud and still ongoing. The documents support and substantiate is the victim of misappropriation of identity theft/fraud since XXXX by XXXX.
Consumer complaint received 2023-01-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (WV)

I had a couple returned payments due to the fact that I have been on XXXX since around XXXX, and Ive been fighting with my employer about payments. I had scheduled payments with Capital one on days that I was told I would receive my check and I didnt receive said check and then they would not let me cancel my payment. However they did close my account without any notification to me whatsoever and didnt tell me it was closed until after I paid it off. I have had enough issues with my health but for a credit card company to close my credit card because of my situation that was the result of a XXXX is ridiculous. They told me My account was restricted until payment was made but they had actually closed it.
Consumer complaint received 2019-06-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

I am getting fed up with everyday statuses changing on XXXX XXXX. The issue with XXXX XXXX is NOT resolved. They have been reported to OCC and Financial Ombudsman AND XXXX AND CFPB. They have charged credited and recharged an amount for {$1000.00} since XXXX. IT IS NOT RESOLVED. I paid the {$1000.00} because of the negative on my account, BUT I AM STILL AND WILL CONTINUE TO FILE COMPLAINTS UNTIL MY {$1000.00} IS RETURNED. CFPB has repeatedly NOT DONE THEIR JOB.!! I HAVE NEVER HAD AN AMT OF {$1400.00} ON ANY OF MY 2 CREDIT CARDS WITH XXXX  XXXX. My allotted amounts are {$1200.00} and {$1300.00}!! I WOULD GET DECLINED IF I REACHED XXXX!!! and why would the balance be the same EVERY MONTH. I'm about to file suit against EVERYBODY INCLUDING CFPB!! I'm fed up with this. As far as XXXX XXXX. It is supposed to be removed. I have ONE ACCOUNT NOT 3 AND  SHOULD NOT SHOULD PAYMENT HISTORIES FROM XXXX UNTIL XXXX WHEN I FILED XXXX AND STILL DISPLAYS AMOUNTS ON TRANSUNION!!! I WANT PAYMENT HISTORY REMOVED AS PER REQUEST BY OMBUDSMAN IN XXXX!!! I WANT PAYMENT HISTORY AND ACCT FROM XXXX XXXX REMOVED AS WELL AS PAYMENT HISTORY SINCE CONSOLIDATING. I WANT RESOLVED ON MY XXXX XXXX REMOVED. I PAID IT BUT XXXX IS STILL OWED TO ME FOR BECAUSE I WAS DEFRAUDED BY A DEALERSHIP AND XXXX XXXX HAS ALLOWED IT. THERE IS A COMPLAINT WITH XXXX XXXX XXXX FILED
Consumer complaint received 2019-03-26
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CITIBANK, N.A. (DC)

On XX/XX/XXXX of last year, my stepson XXXX XXXX asked me to download XXXX XXXX so that he could send me {$2000.00}. I did so, attaching my citibank debit card to my XXXX XXXX $ XXXX. He sent the money from his XXXX XXXX XXXX account, which appeared on my phone. However, I didn't know if the money was in my account. I called Citibank soon afterwards and informed the representative of the transfer from my stepson through XXXX XXXX, and the representative told me that there were no deposits pending and that I needed to contact XXXX XXXX. I told her I didn't know how to get in contact with them and then she then put me on hold. When she got back on the line she gave me a XXXX number to contact XXXX XXXX and that's when things went terribly wrong. Long story short, the number she gave me was not to XXXX XXXX but to scam/fraud individuals. I later found out that XXXX XXXX doesn't have landline communications. The people I thought were trying to help me get my money from my cash app to my debit card were not XXXX XXXX representatives. I've spent months calling authorities, reaching out to XXXX  XXXXthrough emails, and filing complaints. Most recently, I was informed by Manager of Consumer Services, Compliance Analysis Division ( DC ) to file a Complaint against Citibank, because had it not been for the representative giving me the wrong information, I wouldn't be in this situation, and now I know that the money would have automatically deposited into my account in two business days. Please Help. I can't afford to lose any money, let alone {$2000.00}.
Consumer complaint received 2019-03-26
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Remitly, Inc. ()

On XXXX XXXX o had transferred an amount of {$2100.00} to an account in XXXX through REMITLY transfer no. XXXX XXXX XXXX XXXX. After deducting the amount from my card they started asking for ID proof.. .I had send them their passport.. But still they want an ID that had my US address.. I work on a ship and don't have a permanent address in the United States... Then they asked me for my cruise ship ID.. .I sent them a letter on the company letterhead stating that I work with XXXX XXXX lines and also MY landing Permit that is the XXXX... .I wrote them that these are the only IDs I can provide them with so either cancel the transaction and return my amount or transfer instantly... Now REMITLY is not replying to my mails and not even transferring my money.. My money is stuck with them since a day.. I had to pay someone that amount and now because my money is stuck I had to pay the person 10 % interest per day untill I payback the amount. 
Kindly look into the matter and get it resolved asap. And also get REMITLY to pay the interest which I am bearing because of them. 
Thankyou.
Consumer complaint received 2019-03-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Card Receivables Fund Incorporated (GA)

I had several phone calls latter part of 2018 about a credit card balance. I told collector each time that did not or ever have an account with the credit card company and that it was not my debt. They tried to cajole me to then identify whose it was but I stated it was not me responsibility to assist in that effort. Then in XXXX I got a certified letter from attorney XXXX XXXX XXXX with XXXX XXXX XXXX XXXX of XXXX instructing me to pay them and insinuating legal action if I did not.I call their firm and told the answerer that they hand made an error. I sent a certified response again telling them it was not my debt that I never had any dealings with the credit card company or the debt collector. I did not ask for any support documents but they replied with copies of account statements and those statements clearly show the account holder being a different address, different birthday, and I assume a different phone. It is clearly not me. Then on XX/XX/XXXX these people filed suit against me in Magistrate court for the debt. They have ignored my repeated attempts to clear this up. It is obvious and immediately evident that it is not my debt. I suspect they used the roughshod tactics to intimidate me into paying others debt. I intend to counter sue them for possible credit rating issues, defamation, and stress and aggrivation.
Consumer complaint received 2019-06-28
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A. (CO)

I called Best Buy XX/XX/2019. I told them I wanted to pay off my balance and settle my account so it could be erased from my credit report. I also tried calling them 2 weeks before and talked to another representative and they told me that I could not make a payment or make a settlement offer they said that my account was in statue of limitation. I am needing to pay that off and try to get this settled so that it does not show on my credit report since I am trying to buy a house. I hope you all can help me with this company. I love Best Buy I just wish they would be helpful
Consumer complaint received 2019-06-28
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I entered into a 5 year Chapter XXXX Bankruptcy Plan on XX/XX/XXXX and completed or discharged successfully on XX/XX/XXXX. However, upon receiving a copy of a new/updated credit report I'd noticed that one account with XXXX XXXX   inaccurately shows that I filed a Chapter XXXX Bankruptcy on XX/XX/XXXX which is totally false. I have not filed any other Bankruptcies and in fact I have advised Experian of this on several occasions in the dispute process with them ever since. After disputing this a second time over the phone I was provided a report number of XXXX for XX/XX/XXXX dispute which resulted in NO CHANGE once again. I have provided to them a copy of the letter sent to me by XXXX advising that his account was in fact PAID IN FULL. I have no other means of proof to provide. This is hurting my credit score tremendously as well as my chances of owning a new home. I would like to reiterate the fact that I have never actually filed a Chapter XXXX in the court of law. The only Chapter ever filed was a Chapter XXXX which again was discharged XX/XX/XXXX and I am over 5 years removed from this chapter of my life and should actually be on the road to credit recovery. XXXX and Experian have inaccurately reported to the bureau this misinformation and have also failed to provide me with the proof that I even filed a Chapter XXXX which I never did. I would like for this matter to be swiftly and efficiently resolved in a timely, fair manner but they are refusing to do so. 

Thank you, XXXX XXXX XXXX
Consumer complaint received 2023-03-18
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: Experian Information Solutions Inc. (AZ)

I have on numerous occasions attempted to rectify a few discrepancies within my consumer report. Under the law, it is the job of the consumer reporting agency to make sure that the information that they are reporting is accurate. As the consumer I have notified the agency to remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) To date these unverifiable accounts remain on my consumer report. 
The consumer reporting agency should be able to see that these items have been previously disputed without a proper investigation/ or verification method. I am requesting that the consumer reporting agency reinvestigate these accounts by manual verification. If any item is to come back as verified please provide this information pursuant to 15 US Code 1681 ( i ) ( 6 ) ( b ) ( iii ) : 1. A description of the procedure 2. Name of the business 3. Business address 4. Business phone number 5. Name of the agent 6. Most importantly, if my personal information such as my date of birth, ssn, and/or address was provided to you without my consent for verification purposes.
Consumer complaint received 2020-11-10
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: JPMORGAN CHASE & CO. (CA)

I purchased sneakers from a merchant online on XXXX XXXX, 2020 for {$1000.00}. After not receiving the package, I filed a dispute with my credit card XXXX Chase bank ). The merchant provided me with a fake tracking number - according to XXXX, the tracking number that the merchant gave me did NOT match my name and address. 
I sent evidence to my bank that the merchant provided me with a fake tracking number but they are taking the merchant 's side. 
They're taking the merchants side because the XXXX tracking number reads that the package was delivered to an address in XXXX XXXX, CA ( the city where I live ). I tried to explain to them that this was a common fraud practice where the merchant uploads an already used tracking number. They're ignoring the evidence that I sent them that proves that the tracking number doesn't match my name or address.
Consumer complaint received 2020-02-09
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)

XX/XX/XXXX FRAUDULENT ACCOUNT ACTIVITY XXXX XXXX XXXX XXXX XXXX {$500.00} XX/XX/XXXX FRAUDULENT ACCOUNT ACTIVITY XXXX XXXX XXXX XXXX {$12000.00} XX/XX/XXXX FRAUDULENT ACCOUNT ACTIVITY XXXX XXXX XXXX XXXX {$8800.00} XX/XX/XXXX FRAUDULENT ACCOUNT ACTIVITY XXXX XXXX  XXXX XXXX {$820.00} XX/XX/XXXX FRAUDULENT ACCOUNT ACTIVITY XXXX XXXX  {$950.00} XX/XX/XXXX FRAUDULENT ACCOUNT ACTIVITY XXXX  {$2000.00} XX/XX/XXXX FRAUDULENT ACCOUNT ACTIVITY XXXX XXXX   {$340.00} XX/XX/XXXX FRAUDULENT ACCOUNT ACTIVITY XXXX XXXX   XXXX {$940.00}
Consumer complaint received 2023-03-18
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: UNIVERSAL ACCEPTANCE CORPORATION (NE) (CA)

I just went to the court house of XXXX XXXX and went to the record department to find XXXX pages of complaints and false judgements tell autovest next time they attempt to lie and say they served me and lie about several things to make sure the contract has an account number this is fraud
Consumer complaint received 2023-03-18
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (CA)

Citi bank does not honor new account promotion bonus account was opened XXXX and {$1000.00} bonus will be deposited to my account if a ) deposit within 21 days of {$75000.00} and higher b ) keep money 60 days c ) bonus will be deposited within 30 days I called 3 times to customer services, one in XXXX, another one XX/XX/XXXX however each time I was told a different days of the bonus deposit. each time they were able to look up my account using my ssn or account number. 
On XX/XX/XXXX XXXX ( the customer service agent0 kindly caculate the days with me and I was told it will be completed on XXXX or XX/XX/XXXX. 

Today, XX/XX/XXXX calling the office to ask for status, and I was told there is no promotion code in my account, no record of coversation in last 2 times. At last, I talked to the supervisor, XXXX, and he filed a complaint on my behalf, but still no good answer. He is not able to fix anything. 

My concern is whether it is a SCAM. Why I was not told the first time or even 2nd time. 
They would like to keep my money and not payment bonus as advertised. 
It is false advertising. 
I followed all the rules, I contacted the office after account opening before I deposit the required amount within 3 days after account open. 
I should be paid the bonus amount
Consumer complaint received 2023-03-18
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: JPMORGAN CHASE & CO. (FL)

My wife and I opened a Chase Freedom credit card with Chase Bank in XXXX of XXXX with my wife as the primary cardholder and me as an authorized user. The reason for doing this was because I was a new immigrant and as such I was unable to open my own credit. This was the only way for me to start building my credit at the time, and we chose Chase because they told us they report authorized users. Now almost a year later we are in the home buying process and I found out from my mortgage lender that the Chase account is not reported, and as a result I have almost no credit history which has made it harder to get approved and I will have a more costly loan. 

This issue has already been escalated to management at both credit bureaus affected, as well as Chase Bank, and the bureaus confirm that they did not initiate any action against the account. They explained that they would have their own record of doing so if they had, and they do not, which means that Chase must have deleted the account through their own system. Chase refuses to acknowledge this, though. Chase claims that it was the bureaus that asked them to remove the account. However, when pressed for information, Chase was unable to produce any actual documentation of this happening. According to the bureaus, if it were true that they had made this request to Chase, then Chase would have in their possession an actual document from the bureau. Chase has admitted that they have no such document, and in fact they haven't even been able to tell us which bureau supposedly sent it. 

In addition to this credit reporting issue, Chase has caused several issues with our account from the day it was open, making changes to our account without authorization, shutting off our access without warning many times, and using different misspellings of our names. 

One clue I have as to the cause of the error is that Chase has described the removal of my account as " removing my name from the account ''. One of our issues with Chase was that they entered incorrect spellings of my last name on the account multiple times, and I have asked them to correct this. It is possible that this was incorrectly noted by an employee as a request to " remove my name from the account ''. However, I was always clear in my communication that this was only an incorrect name spelling. Neither I or my wife ever requested to remove anyone from the account. 

So, with a history of Chase mishandling our accounts, both of 2 credit bureaus confirming that they were not the ones to remove the account, and Chase not having the necessary documents to show, all the evidence points to the fact that the credit reporting issue is a Chase error. Still, after spending hours talking to Chase customer service and management in-branch and on the phone, they so far only deny the issue and refuse to take any accountability.
Consumer complaint received 2023-02-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (MD)

I have reached out to the XXXX different credit bureaus for them to update my address correctly and they still have not completed this information. I have sent in numerous documents to correct my address and they have refused to change it.
Consumer complaint received 2023-03-18
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: JPMORGAN CHASE & CO. (IN)

On or about XX/XX/XXXX I was notified by email that I had changed my mobile alerts to XXXX XXXX XXXX, within minutes another email congratulating on my new checking account, then another one stating I added a new bill payee XXXX XXXX. I immediately tried to log into my account in which I could not due to wrong password. I called and told them what was going on, the lady wanted to know if i needed the account unlocked I told her absolutely not that was not me and i need everything froze until we figure it out. she said ok when I asked what my next steps were she had no idea no help. I then made a identity theft complaint with the ftc and within that time I had noticed that my XXXX XXXX was also breached, XXXX XXXX XXXX  and XXXX when I looked onto my accounts more closely. There were charges not mine dating back to XX/XX/XXXX. I then mailed out to all the companies a debt validation letter. Chase returned there response that they could not verify the debt as being mine. Now mind you I had three credit cards through Chase and when they closed them you can imagine the devastation that took on my credit score, I had a XXXX it dropped to XXXX. Then of course my other credit card companies followed suit devastating my credit even more. I have always kept my account current and I have been a customer of Chase for over 15 years my cards where over 9 years. I have received notice that I had a negative late payment mark on my credit indicating a lowering of my score, I went to see what it was and it was from Chase. They have done nothing to investigate the fraudulent opening of a checking account the bogus payments on my credit cards for them to be used immediately withdrawing said funds and then stopped payment on said cards. After they could not verify my account balances as belonging to me and after they had written off the " bad '' debt. 
I