davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: FREEDOM FINANCIAL NETWORK (NC)

I have tried for 8 months to get the 3 credit reporting agencies to delete the late/ non payments that are listed on 3 of my accts : XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX/XXXX I agreed with 3rd party Freedom Debt Relief to pay off these 3 debts and they made many ( 10-12 ) late/non payments which now shows up on my Credit Report I paid off Freedom Debt Relief and all 3 of these accts HOWEVER these Late/non payments are on my Credit Report and hurting my credit score when I was NOT AT FAULT I need these deleted NOW I am trying to buy a house now and my scores will be much higher when these are removed All of this is well documented and URGENT that it be Corrected Thank YOU
Consumer complaint received 2019-04-01
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: HSBC NORTH AMERICA HOLDINGS INC. (HI)

Hello, I have followed and HSBC advertisement link on their website and opened a new checking account in XX/XX/XXXX. 

The advertisement said ; deposit $ XXXX and receive {$350.00} bonus after 90-day I have deposited $ XXXX on XX/XX/XXXX and still haven`t received the {$350.00} bonus. 

Called customer service 3x and chatted on their website 2x and they gave me a case id XXXX on XX/XX/XXXX They said they would call back which they did not. 

Thanks,
Consumer complaint received 2022-03-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: JPMORGAN CHASE & CO. (HI)

I was purchasing airline tickets on United 's website. As I was getting ready to check out there was an offer for the XXXX XXXX card that said if I applied and got immediately approved that I could get a {$250.00} credit after the purchase and additional miles after spending {$3000.00}. I used that link to apply for the card and was immediately approved and then used the card to make my purchase. Several days later I called to find out when the {$250.00} credit would be applied to the account and keep getting told they have no record of the credit offered. I have spoken with XXXX and Chase on multiple occasions trying to get this issue resolved. 
I applied for the card using the offer link provided on the United page that was provided online ( a {$250.00} credit to my account with my first purchase and the airlines miles after spending {$3000.00} in the first 3 months. ). I don't know why people keep saying they have no idea what I'm talking about regarding the {$250.00} account credit. This seems like a case of false advertising at this point. I wouldn't have even applied for the card if that offer hadn't been advertised on my purchase. 
On XX/XX/XXXX at XXXX pm, I called again asking for information. The representative told me that the {$250.00} credit would be refunded to my account when the cycle closed on XX/XX/XXXX. I called three times this morning ( XX/XX/2022 ), and the representative told me that there is no refund of this offer in my account. They say that they will transfer me to a higher representative but the call cuts. So, there is no answer. I have recorded some calls for my safety. 
If you check the page of XXXX XXXX, there is an advertisement that offers a {$250.00} credit statement and XXXX bonus miles. It was the same advertisement but XXXX bonus miles instead of XXXX. 
I am attaching a screenshot of the offer shown on the website.
Consumer complaint received 2022-03-27
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. (TX)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX Account : XXXX XXXX, has violated my rights. XXXX  XXXX XXXX has not sent any documentation proving the debt or any signature proving how the account was opened. 


In accordance with the Fair Credit Reporting act XXXX XXXX Account : XXXX, has violated my rights. XXXX XXXX has also sold the account and reports a balance that is different from XXXX which is the company they sold the debt to, XXXX has various amounts and will not send documentation of a signature or how the account was opened, it has been past thirty days.

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 2021-12-14
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (FL)

At XXXX pm on Friday XX/XX/ I received a phone call from an unknown number ( XXXX ) .Caller said he was from some dept. at XXXX and noticed strange activity on my Wells Fargo checking account.He had me open my XXXX, then HE downloaded an app " XXXX '' onto my computer as well as my XXXX.As soon as I hung up, I saw that a wire transfer was made from my checking account for {$5400.00} without my knowledge or consent. 
I took me a long time to delete this app. At XXXX I reported this to Wells Fargo XXXX they closed my account, and opened new one. They saw the wire transfer had gone to XXXX, and said they put in a request to rescind this transfer but said they are not hopeful.I was able to then check my emails and texts, all from Wells Fargo, asking me to sign on to my account and verify my mobile number.They then provided an Advanced Access Code to hacker and allowed him to add his name, XXXX XXXX XXXX XXXX XXXX XXXX, as an online wire transfer recipient.Other notifications were sent confirming that a wire transfer was made from my checking account. Wells Fargo apparently using XXXX to make wire transfers using mobile phone number.I am somewhat elderly, and this has rattled me very much!!!! My bank said they reached out to XXXX within a few hours, but claims they are not responsible to see that I am reimbursed.I have the times, date, texts, and emails I received from hacker and Wells Fargo if you need them. 
I have banked with WF for many years... I did not know they use XXXX automatically as I never would have agreed to this. They stated that the bank is not responsible financially for this fraudulent wire transfer, so unless XXXX returns my money, I will lose a lot of money, which I can not afford. Can younplease help? Thank you
Consumer complaint received 2021-12-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

This is XXXX XXXX who is submitting this CFPB complaint myself. I have been patiently waiting on PORTFOLIO RC 's response about the written request I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the erroneous account reporting on my Credit Report : ( PORTFOLIO RC XXXX )
Consumer complaint received 2021-05-11
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: EQUIFAX, INC. (MI)

I have disputed unverifiable information reporting to my credit file on XX/XX/2021. I have never received a response from either XXXX WHICH is a direct violation of my rights
Consumer complaint received 2023-12-30
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: GOLDMAN SACHS BANK USA (CA)

Someone used my card to make fraudulent purchases on XX/XX/2023 ; XX/XX/2023 ; XXXX XXXX ; XX/XX/2023 ; XX/XX/2023 ; XX/XX/2023, at a merchant named " XXXX XXXX '', totaling {$1000.00}. Upon discovering these transactions I immediately restricted my card and contacted the issuer ( Goldman Sachs on behalf of Apple ). To date no less than 15 " cases '' have been opened regarding these transactions, with about 1/2 of them being resolved correctly in my favor, while the other 1/2 the card issuer keeps refusing to properly handle the investigation into this fraud. I have submitted a copy of a true and valid copy of the Police Report I filed, yet my card issuer continues to refuse to properly handle this matter.
Consumer complaint received 2023-08-18
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. (FL)

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please update these items immediately : Original Creditor : 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 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 XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-03-27
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. (NJ)

I, XXXX XXXX the consumer discovered on XX/XX/2022, that Experian CRIMINAL ACTS has violated not only my consumer right to privacy, but also the FAIR CREDIT REPORTING ACT by way of unfair and inaccurate reporting. Experian has failed to do a proper investigation This has caused me to lose confidence in the banking system. Experian willfully and negligently failed to comply with the FCRA ( 15 usc 1681n & 15 usc 1681o ), by placing SIX ( 6 ) charge offs/collection accounts on my consumer report in which Congress stated should be excluded pursuant to 15 USC 1681c ( 4 ). By doing so has failed their grave responsibility of fairness and respect for my right to privacy as a consumer. Never, did I give Experian, direct written permission or instructions to report any negative accounts or alleged debts on my consumer report. As Congress stated in 15 USC 1681b ( 2 ). Experian failure to comply with the FCRA has caused severe damages and injuries to me.
Consumer complaint received 2021-08-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Independent Recovery Resources, Inc. (PA)

The XXXX Credit Bureau is reporting inaccurate information on IND REC RES. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Consumer complaint received 2021-05-11
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: Cascade Capital, LLC (GA)

XXXX several times have disputed this item. This account is over 7years old. Each time disputed it just has been updated with same info {$7000.00} XXXX
Consumer complaint received 2022-03-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report.

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2022-03-27
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. (GA)

I was taken advantage of due to malpractice while several laws were being broken under FCRA by your company. This has caused the financial injury, defamation of character, unable to get a job, and the inability to apply for credit under my consent and authorization. This has hurt my ability to obtain credit. My family and I are suffering due to this. You are indirect violation of the FCRA if these unauthorized inconsistencies are not removed. This leaves me exposed to being a victim of fraud again. Your company is breaking the law! The dates on the accounts that need to be remove are reporting different dates, that is a huge FCRA violation. Thank you for understanding these violations and these inaccurate fraudulent accounts that do not belong to me.
Consumer complaint received 2024-02-14
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: Comerica (CA)

In XXXX of XXXX I called in and filed a fraud complaint explaining that I was charged around {$3300.00} for a purchase in XXXX, XXXX. I bought something for {$150.00} and was told this was the conversion rate in XXXX and that was the reason the dollar amount showed the {$3300.00} USD on the slip. I explained that I signed for the purchase, but then the following day saw that the charge was actually {$3300.00} and not {$150.00} in XXXX. I sent all the information to Comerica and the {$3300.00} was added back to my account as they submitted the Fraud investigation. ( Please listen to the first call. I shared all of these facts when I called to report the fraud once I saw that pending authorized charge on my account the following day. ) Although it was just pending, they said they could not do anything. 

In early XXXX the money was taken out again with the explanation that Comerica contacted the merchant and they had a signed receipt that authorized the amount paid. That was never the issue of the fraud and that was explained on my first call. I asked that my issue be escalated to a supervisor, where I was told there was nothing they could do. I asked to speak with management, and they explained there was no XXXX available and that they would have a XXXX call me back within XXXX hours. I did not receive a call. I called back on the XXXX business day out and spoke with a person at the customer service center who said that they would resolve this after I explained the entire ordeal to them all over again. They said it would take time to get the issue escalated for resubmission. That was late XXXX. 

I heard nothing after that, but had no access to my accounts to confirm the amounts had been resolved. 

Fast-forward to XX/XX/XXXX, and I receive a notice in the mail from XXXX XXXX XXXX for {$1200.00} for bank overdraft. I have never received a fee for overdraft at any bank, let alone for what I was told was being taken care of and the reason that we know this was over-drafted. I would simply like to see this XXXX XXXX Along with a letter for my records showing that it was XXXX XXXX. I should not be charged overdraft for obvious fraud. It would seem that the person I spoke with in late XXXX did not take action as promised. I was skeptical that they would follow-up being so close to the holidays, but I was glad to hear someone was trying to assist. They promised a follow-up email and phone call. I received neither.
Consumer complaint received 2024-02-14
Product: Credit reporting 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)

complaint ID # XXXX submitted XX/XX/XXXX. Company responded on ; XX/XX/XXXX " The loan was subsequently charged off on XX/XX/XXXX. Notice of this charge-off was provided via email on that same day. At this time, the loan is held by XXXX 's third party collections partner, XXXX ''. After speaking with a representative on, XX/XX/XXXX information was provided that the company, " XXXX  '' has charged off the account and sold the information to XXXX XXXX, as provided within the CFPB response. XXXX XXXX is not Authorized to do business in the " State of Michigan '' or collect on any debt in Michigan. The company " XXXX '' has charged off the account as indicated in the above, but disregards that a " Charge OFF '' is a " certificate of Indebetness '' therefore it is income and income can not be reported to a consumer report. XXXX has subsequently avoided these acts, knowing all the above and have not reported the accuracy of the accounts being reported to Experian, under ; 15 U.S code 1681. Experian is in violation of several 15 U.S code 1681 and has verified this information being inaccurately reported. Requesting Compensation and removal of income being reported to my consumer report, per the FCRA.
Consumer complaint received 2022-07-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXXl : Account # XXXX XXXX XXXX  : Account # XXXXXXXXXXXXXXXXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXXXXXX XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2022-03-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I am writing to delete the following information from my credit report. I am a victim of identity theft and did not authorize these charges. I have already contacted the Federal Trade Commission 's Identity Theft Affidavit in regards to the theft. I would appreciate if these charges were removed from my file as soon as possible because it is hindering me.
Consumer complaint received 2022-03-28
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AMERICAN ADJUSTMENT BUREAU,INC. (CT)

XXXX XXXX XXXX XXXX XXXX XXXX CT XX/XX/XXXX XXXX Credit Bureau : XXXX XXXX XXXX Credit Bureau : XXXX XXXX XXXX XXXX XXXX CT XXXX XX/XX/XXXX RE : Request Investigation of Credit Inquiry on My Behalf Dear Credit Bureau Representative , I recently reviewed a copy of my credit report on XX/XX/XXXX and noticed XXXX inquiries that were unauthorized, inaccurate, or made in error. 
The following inquiries are impermissible : 1. XXXX XXXX XXXX XXXX XXXX 2. XXXX XXXX XXXX XXXX 3. XXXX XXXX XXXX XXXX Please remove these inquiries from my credit report immediately. 
Should any of these companies claim to have pulled my credit report validly, then it is within my legal rights to ask for verification details : 1. The name and job title of the individual who pulled my credit 2. The date they claim to have received my permission to pull my credit 3. The method they claim that I authorized them to pull my credit Please also attach documentation to support the verification of these claims. 
Thank you for your prompt assistance with this matter. 
Sincerely XXXX XXXX
Consumer complaint received 2021-12-14
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: DISCOVER BANK (WA)

XXXX XXXX XXXX charged my card for charges I did not approve of. I opened up a dispute with discover, and the XXXX XXXX XXXX had submitted documents in which none were billed to me or signed or approved by me.
Consumer complaint received 2021-08-26
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: AFNI INC. (GA)

AFNI Located at the below address and phone number opened a claim on my credit report that is not mine. The company has not provided any information on the claim. This is the second time the claim has been reported on my credit report which has caused my credit to be impacted. The company should not be able to create fraudulent claims to credit reporting agencies. 

XXXX, XXXX. 
XXXX XXXX XXXX XXXX, IL XXXX
Consumer complaint received 2021-08-26
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (FL)

Today I spoke with an agent at Experian regarding a dispute letter that I mailed ( certified ) and faxed, who acknowledged receipt of my letter and proof however the agent refused to help me stating that Experian can not delete the account from MY consumer report until XXXX XXXX gives them the proof to delete the account. The proof that I sent in contained a communication from XXXX XXXX XXXX stating that " XXXX XXXX is not currently handling the referenced account. Additionally, Experian is the only bureau furnishing this unauthorized account ( attached titled proof # 1 ) which clearly proves a discrepancies and the law states that all information listed on my credit report has to be accurate. I have attempted to resolve this issues numerous times. Experian is in direct violation of my consumer rights. I have filed several CFPB complaints regarding Experian but my consumer rights are not being protected.
Consumer complaint received 2021-12-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I recently found that there are several inaccurate items on my credit report that do not belong to me. I do not have a record doing business with these companies. If these items are not deleted off my credit report immediately, I will be forced to contact a consumer rights XXXX XXXXy and sue on the basis of defamation of character and denial of credit. I have documented all correspondences with The Credit Reporting Agencies XXXX XXXX, XXXX, Transunion ). Please remove these inaccurate accounts, as you know they are in violation of the Fair Credit Reporting ACT Section 609 ( B ), FDCPA Section 807 Violation of False and misleading representation. Thank You.