davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-15
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: WELLS FARGO & COMPANY (CA)

Someone got my login information I have never given to anyone and XXXX dollars was transferred out of my account fraudulently and Wells Fargo denied my claim and closed my account. I submitted a police report to the XXXX XXXX police department and notified Wells Fargo. They alleged I transferred the money myself even though I said several times I have never have given my login information to my account to anyone. They also lied on the correspondence they sent me saying they opened me a new account, no the bank refused to do service with me and a new account was never opened. I did not make for 4 wire transfers out of my account to a XXXX XXXX  I dont know who this guy was and had never done business with him. Wells Fargo did not follow correct protocol. I was working when I received suspicious emails about my account and I called right away to say I did not authorise and transfers or even know how to use a wire transfer.
Consumer complaint received 2022-09-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (SC)

XXXX XXXX, 2022 {$1400.00} deposited aXXXX XXXX XXXX and it showed in available funds, XX/XX/XXXX XXXX XXXX  it doesnt show and we have bounced check fees. The {$1400.00} covered all check costs. This so not the first time this has happened. It constantly removes funds that were showing in the account, it does the same with transactions.
Consumer complaint received 2020-07-15
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: New Era Asset Management, LLC (AZ)

The collection agency contacted my mother whom does not live with me or live in the same city as me about the debt, I never received a phone call from the agency prior to this, my mother is the one who called me about this. 

I received my first phone call and spoke with the man who was handling the debt case. He was very brass, not polite nor professional and aggressive while speaking with him on the phone. After this encounter, he has repeatedly called my mother and myself and the phone numbers would be from XXXX NY and then it would come from a number that is local and because my phone number is from a different state than where I live, the number would come from the same area code as my number so they are attempting every tactic to get intouch with me even though we had already spoke. 

On XX/XX/XXXX he called my mother and gave her my personal information and information about the debt. My mother contacted me and told me he called her. I immediately called him and told him it was against the law to give my personal information and the information regarding the debt to someone other than myself. The individual became very aggressive towards me and then started asking me how I pay my other bills and says " I am looking at all your information on your credit report and nothing is late, so how do you pay your bills? '' I explained that I have been very sick since XXXX and on a leave of absence for work and paying this debt was on the back burner just like those affected by Covid-19. This individual started accusing me of fraud and I clearly stated that he is not to contact my mother again and I hung up on him.
Consumer complaint received 2022-09-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: JPMORGAN CHASE & CO. (TX)

Dear Sir/ Madam, I am a chase ultimate rewards customers. I used the pointed accrued to purchase XXXX XXXX Once I ordered, I came to know that XXXX product will be delivered only after 6 weeks. Since I was having a plan to travel to my home country, I called chase ultimate rewards and cancelled the order immediately. 

I bought another XXXX and took to my home country. While I was in vacation, I saw the order which was earlier cancelled through chase ultimate rewards delivery notification. I tried to hold the product in XXXX so that the product can be sent back to chase. However, unfortunately the product was kept in XXXX for a month and my friend picked up on behalf of me. I called chase and told the situation. Though my product received time was less than 15 days, chase considered the time they shipped and didn't take the product back. 
As well as they said they don't have any proof of my cancellation call log for the product. I was really shocked and unsatisfied with the service. Please help to resolve and get my points back
Consumer complaint received 2020-04-27
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: Experian Information Solutions Inc. (AR)

I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. 

DEPTEDXXXX XXXX {$3200.00} XXXX XXXX XXXX {$2600.00} XXXX  XXXX XXXX {$250.00} XXXX XXXX XXXX {$830.00} XXXX XXXX  XXXX {$360.00} XXXX XXXX  XXXX {$350.00} XXXX  XXXX {$17000.00} BANKRUPTCY CHAPTER XXXX-DISCHARGED XXXX {$0.00}
Consumer complaint received 2020-07-15
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: CNG FINANCIAL CORPORATION (IL)

In the winter of XXXX I took out a Pay Day loan for {$300.00} at the Check N ' Go in XXXX, IL. XXXX of XXXX I relocated from XXXX, IL. to XXXX, IL. Too the best of my knowledge the debt was paid off before I left as they'd been debiting money from my pay checks. On the XXXX of XX/XX/XXXX I received a call from XXXX XXXX XXXX XXXX XXXX. They asked for credit card information, banking information, how much I was paid and how often, and information about where I worked. They said I had committed fraud, that I had a court case, and that I was going to be arrested. On XX/XX/XXXX they contacted my daughter and asked where I was living. They threatened to come my daughter 's home, my place of work, and threatened to call me at work. I am XXXX and have been taken advantage of financially before. I am on government benefits and work part-time and it would be a hardship to take on an additional debt. Due to my XXXX I struggle with concentration, processing information, and understanding others. I have also filed a complaint with the Illinois State 's Attorney General 's office. The State 's Attorney General 's office directed me to file a complaint with the FTC and I was directed here.
Consumer complaint received 2018-06-15
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc. (TX)

In XX/XX/XXXX, my credit limit was reduced from approx. {$1600.00} to {$850.00}. I was approved for the XXXX XXXX credit card over 4 years ago and worked very hard to keep my account in good standing. Until my accident and subsequent care from XX/XX/XXXX to XX/XX/XXXX, my account had received several credit limit increases due to my account being in good standing. During this time, my sister contacted this company and informed them of the situation. Although my card was at a XXXX   balance in XX/XX/XXXX and XX/XX/XXXX, and the account was not delinquent, after using it in XX/XX/XXXX, my credit limit was decreased with no notification. This negative action also lowered my credit score which caused the same bank to lower the credit limit on my XXXXXXXX XXXX XXXXXXXX credit card from {$250.00} to {$100.00} after having this credit limit for approx. 4 years with good payment history. The only reason I was given was the decision had nothing to do with my account history with this company. There are some things on my credit report that I am fighting to remove due to fraud, but the actions of this company also negatively affected my credit unnecessarily and it should not have when I did make my payments on time.
Consumer complaint received 2018-06-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

I called into capital one on XX/XX/18. I asked if they would lower my APR the agent advised that they would. However it was for a temporary amount of time. I asked if I could get a permeant reduction the agent said no. However, I did the agent if the company offers them. She said " yes '' I asked what I had to do to get one and she couldn't come up with an answer. After purposefully lying to me to get me off the phone she sent me to her supervisor because she was unable to complete the call due to her lack of knowledge.
Consumer complaint received 2020-04-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. 

DEPTEDXXXX XXXX {$3200.00} XXXX XXXX XXXX {$2600.00} XXXX XXXX XXXX {$250.00} XXXX XXXX XXXX {$830.00} XXXX XXXX  XXXX {$360.00} XXXX XXXX  XXXX {$350.00} XXXX XXXX {$17000.00} BANKRUPTCY CHAPTER XXXX-DISCHARGED XXXX {$0.00}
Consumer complaint received 2018-06-15
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: STATE FARM BANK, FSB (PA)

XXXX XXXX says that there is an opened credit card with {$7200.00} balance. I havent had a XXXX XXXX card since XX/XX/2004 and it was always paid off. Tried numerous times to get it removed. No response from company. Hurts my debt to income and credit score.  Also State Farm Bank put a 30 day XXXX payment on my credit, but they have over 22,000 points that would have paid that payment. Also, payment was automatically paid every month. Never notified of expired payment.
Consumer complaint received 2018-06-15
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (FL)

Today, XX/XX/XXXX, I used an app called XXXX to purchase XXXX XXXX tickets from a seller. Her phone number is XXXX ( XXXX ) XXXX and her email address is XXXX. XXXX does not help at all. I tried to reach out to XXXX but they will not assist. I transferred {$100.00} from my bank account to the sellers. The seller said they would immediately send me my tickets. Then, they never did.
Consumer complaint received 2021-07-14
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Statebridge Company (IN)

In XXXX of 2021, my auto loan from now defunct XXXX XXXX XXXX XXXX XXXX was sold to Statebridge Company , LLC to continue the same car payments ont he same due dates. I began sending checks to cover the payments for payments due on XX/XX/2021 and XX/XX/2021. These checks cleared, and my bank paid the checks. I then switched to my bank ( XXXX ) handling the payments through their Bill Pay service starting with the payment due on XX/XX/2021. Again, the amounts were paid, and money withdrawn from my account. On XX/XX/2021, two payments were " reversed '' with no explanation and no refund or communication from Statebridge Company. Now I show 2 payments behind when I am not. Had contact with my account rep but she is unable to solve the issue and billing department does not seem to be acting. Have called Statebridge Company several times during business hours, but they play a message stating the company is closed for the day. I feel as though this company is engaging in very suspicious behavior to potentially glean more money than what is owed from customers which could affect their credit rating and potentially lead to loss of cars or homes due to collections.
Consumer complaint received 2020-07-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PNC Bank N.A. (IN)

Not sure of the dates, besides today, XX/XX/XXXX. This happens on and off, where PNC will sometimes not cooperate with linking other accounts and things of that nature. Its a real pain in the XXXX, especially during COVID Crisis, that I am not able to access my money. I need to move money from my outside savings to my pnc. It also makes little sense because it will be allowed, like PNC allowed it, but then one day be restricted again. And I, and Im sure many others, are forced to wait days for access to our money. 

Thank you XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-09-10
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: World Acceptance Corporation (IL)

15 U.S Code 1861 ( b ) Permissible Purpose Of Consumer Credit I did not give permission for the creditor to place anything on my credit I have asked it to be removed multiple times now Im demanding it be removed
Consumer complaint received 2022-09-10
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. (GA)

unauthorized inquiries : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX In accordance with the Fair Credit Reporting 15 U.S.C 1681 section 602 A. States I have a right to privacy. 15 U.S.C 1681 section 604 A section 2 : also consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2020-08-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MRS BPO, LLC (NJ)

I requested kindly that MRS ASSOCIATES provide legal documentation regarding information transmitted to the credit reporting agencies for me. With regard to the asserted account XXXX. I am asking for a contract between myself and MRS ASSOCIATES. I hereby request that your company delete this account from my credit report and stop all contact with me. Pursuant to the Fair Dept Collection Practices Act, 15 U.S.C. section 805. You are hereby notified to CEASE AND DESIST all further communication with me in regard to the referenced debt. MRS ASSOCIATES is trying to collect on a account and enforce a claim that I do not recognize ever doing any business with XXXX XXXX. Should you not be able to provide such lawful documentation during this reasonable period, any information communicated by MRS ASSOCIATES should not be deemed truthful and may bespeak your disregard for consumer protection statuses. Please delete this fraudulent account at once. I also had a fraud account from MRS ASSOCIATES for account XXXX as I have never had an account of done any business with his company.
Consumer complaint received 2022-09-10
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. (GA)

Unauthorized and Inquiries on my Equifax credit report : XXXX XXXX XXXX XXXXXXXXXXXX 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 In accordance with the Fair Credit Reporting 15 U.S.C 1681 section 602 A. States I have a right to privacy. 15 U.S.C 1681 section 604 A section 2 : also consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2018-06-16
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. (MO)

After reviewing my credit report, there's 2 inquires that has been fraudulently or mistakenly put on my report. The inquires are XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX XXXX  ( XX/XX/XXXX )
Consumer complaint received 2024-03-15
Product: Credit card — Store credit 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. (CA)

I am writing to express my dissatisfaction and file a formal complaint regarding unauthorized charges on my Macy 's credit card, which is serviced by Citibank. Despite reporting the fraudulent purchase to their fraud investigation department over six months ago. Macys fraud department decided that I am still responsible for this unauthorized purchase. 

An unauthorized purchase appeared on my credit card statement, and upon noticing it, I immediately reported it to your fraud investigation department. Despite my efforts and persistence, Citibank has failed to provide transparency regarding the nature of this purchase. Additionally, instead of resolving the matter, I have been directed to debt collection. 

It is frustrating that Citibank has concluded that I am responsible for the unauthorized purchase, despite my clear assertion otherwise. I urge Citibank to provide detailed information regarding the disputed transaction and to rectify the situation.
Consumer complaint received 2020-04-27
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (DC)

I signed up for a checking account at https : //banking.citi.com/cbol/checking-tiered-offer/default.htm that promised a {$400.00} reward if {$15000.00} is deposited within 60 days. I've fulfilled all the requirements in order to be eligible to receive the promotional reward. Customer support confirmed multiple times that I met all the requirements and that I would receive the reward. I should have received it several weeks ago but I'm promised " next week '' every time when I contact customer support. I'm very frustrated at this point.
Consumer complaint received 2018-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

Section ( 609 ) of the Fair Credit Reporting Act is a Consumers Disclosure section which is to provide for the protection of consumers against false and erroneous reporting. This section of the FCRA places the burden upon the Credit Bureaus and the Creditor to prove an account is yours. To positively prove an account is yours, the creditor must provide the Credit Bureau a copy of the original creditors documentation ( whatever you filled out and signed upon opening the account with the reporting creditor ).

XXXX and Equifax has failed to validate debts ... the accounts were indeed settled with original creditors ...

XXXX Accounts XXXX XXXX XXXX Opened XX/XX/XXXX {$270.00} Original creditor : XXXX XXXX XXXX XXXX  Credit Protection Opened XX/XX/XXXX {$250.00} Original creditor : XXXX XXXX XXXX Equifax   Accounts Credit Protection Opened XX/XX/XXXX{$250.00} Original creditor : XXXX XXXX XXXX XXXX  OpenedXX/XX/XXXX {$270.00} Original creditor : XXXX XXXX XXXX
Consumer complaint received 2020-10-12
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. (FL)

I HAVE SEVERAL INACCURATE ITEMS ON MY CREDIT REPORT. THEY ARE CAUSING ME A LOT OF EMOTIONAL DISTRESS.I FEEL AS IF I HAVE BEEN FURTHER VICTIMIZED BY THE BUREAUS AS WELL. I AM TRYING TO BUILD MY CREDIT AND BUY A HOUSE AND THESE FRAUDULENT INQUIRIES AND FRAUDULENT ACCOUNYTS ARE HURTING MY CREDIT SCORE.
Consumer complaint received 2022-09-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

In accordance with the fair credit reporting act XXXX XXXX XXXX account # XXXX, XXXX, 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 instruction.
Consumer complaint received 2024-03-15
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Bridgecrest Acceptance Corporation (PA)

On XX/XX/XXXX I contacted the company seem to discuss payment. I was ready to make payment to bring the account current. But the representative provided me with a different process that we could potentially utilize. She assured me that if I decided to Take advantage of the offer that no. Negative reporting would be done in any way regarding the month 's added to the end of the loan. The only reason I agreed to do this was because of that statement Since it is adding interest to the loan and costing me more money. This was not done as I was assured. It would be because I have since been denied. A vehicle long based solely on the reporting from bridge crest. Stating that I was delinquent. My payment history shows that I made payments in XXXX XXXX XXXX. And then the deferral was given in XXXX. They were not supposed to report negatively in any way. But they did costing me both time money and lack of vehicle due to the fact I. Decommissioned my trade in.
Consumer complaint received 2020-10-12
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Northstar Location Services, LLC (DE)

North Star Ph # XXXX Name : XXXX XXXX ext # XXXX I talked with them on XX/XX/XXXX about a debt they said I owed for some equipment. They stated I had more equipment then I did and I asked them to send me a detailed list of what they are saying I have. She said she would send it out. 
After that she called numerous time, left voicemails, hung up on me one time when I asked who was calling and she told me she could not give out who she was until she verified my personal information. 
I still have not received the information I asked for during this time ( nothing as of XX/XX/2020 ). 
Then on XX/XX/XXXX, she called my family members and stated to them she a debt collector trying to collect a debt and she needed to talk to me. 
I called her back after that and they stated she did not do this, I have the phone records and my brother has his phone records as well.They are harassing me and my family causing serious stress upon me and my family.
Consumer complaint received 2022-09-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

These two addresses are reporting on my credit report I never lived here please removed incorrect addresses thank you XXXX XXXX, XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX