davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-01-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: WELLS FARGO & COMPANY (MO)

Wells Fargo denied my credit application citing a reason that contradicts their own guidelines. This seems to be a discriminatory action, as explained below.

My recent application for a Cash Wise Visa card was declined. Reasons given in the decision letter of XX/XX/2019 are " Ratio of credit bureau trades with a balance greater than zero '' and Number of revolving bankcards reported by credit bureau. 

According to the credit bureau cited in the letter ( XXXX  ),  my credit usage is 2 %, my credit score is XXXX out of XXXX, and the report has zero negative items. In other words, I am a responsible consumer with decades of excellent credit history. When I contacted Wells Fargo, they said my credit usage was too LOW to grant new credit. 

However, HIGH usage of credit is the frequently cited reason for denial, and all financial institutions advise customers to keep credit usage to a minimum. XXXX XXXX own website states Stay on top of how much youve borrowed against your available credit and aim to stay well below your credit limit. Keeping track of your spending will help you avoid using the entire credit limit, exceeding your credit limit, or missing payments. Keeping your credit utilization rate below 30 % may help you maximize your credit score.

The letter goes on to provide solutions, which constitute working with Wells Fargo to improve my credit rating over time and learn to use credit responsibly. Considering that my credit rating is already exceptional per the same letter ( XXXX out of XXXX ), these statements make no sense. 

Thus, the reason cited for denying my application directly contradicts Wells Fargos own policy. 

When I pointed out this discrepancy, phone customer service said it was the credit bureau 's decision. Clearly erroneous, as the letter states the reporting agency was not involved in the decision. 

Then I contacted the Wells Fargo XXXXxecutive office ( my email attached ). The agent who called me back said it was due to the possibility of me using up the huge amount of my available credit and defaulting on it. 

There is absolutely no evidence of such a possibility, since my credit history is spotless. Thus it seems that the adverse action against me was discriminatory, based on race and/or national origin. ( Such discrimination seems standard practice with Wells Fargo, considering the number of lending discrimination suits brought against them in recent years. )
Consumer complaint received 2017-08-24
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. (CA)

I 've sent several letters certified mail to all three credit bureaus asking them to contact creditors that I have been unable to reach to verify that the accounts that are reporting negatively on my credit reports belong to me. I 've been a victim of fraud and I have been working tirelessly to clean up my credit and establish positive accounts to outweigh the bad due to this unfortunate circumstance. The last letter that was sent to the credit bureaus was received by them on XXXX XXXX, 2017 according to USPS tracking confirmation. The accounts that I have been asking for verification to prove that they belong to me are from creditors XXXX XXXX XXXX {$4800.00} XXXX, XXXX XXXX XXXX {$300.00} # XXXX, XXXX XXXX {$6600.00} # XXXX, XXXX XXXX XXXX {$390.00}, XXXX XXXX XXXX {$290.00} # XXXX. As a consumer I have rights under the FCRA & Federal Law that mandates creditors have 30 days to respond to disputes. I have yet to receive any response from any of these creditors or proof from the credit bureaus that these are validated as they say. Before I begin to take legal action I 'd prefer that this be settled by this third party platform.
Consumer complaint received 2024-01-11
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (FL)

i got scammed and cashapp support is refusing to assist me. 
XXXX was stolen from XXXX account on XX/XX/XXXX  bank name XXXXXXXX XXXX XXXXXXXX XXXX last 4 digits of debit card XXXX transaction ID XXXX Cashapp support says the case is closed and refusing to provide further assistance, my experiece with cashapp support has been horrible, I honestly dont belive they should be allowed to handle banking for consumers. everything on the platform works great untill something goes wrong and you need support. no one is there to help you. I was hung up on multiple times, and they also advise that there calls are not recorded, I understand why. 

This company is a fraud!!
Consumer complaint received 2017-06-12
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: AMERICAN EXPRESS COMPANY (LA)

I am disputing the accounts w ith AMERICAN EXPRESS   XXXX  AND  XXXX  I have reported the account with fraudulent activities I requested your company to review the account balance at  XXXX  &  XXXX  I never used that amount of my credit LIMIT someone got my credit card information and used my credit limit to the point where I had to close the account I should not be responsible for the charges from the months of  XXXX  2007  and  XXXX /2007. I have provide your company with the FTC AND POLICE REPORT ABOUT THE ACCOUNTS LISTED
Consumer complaint received 2017-08-24
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: TD BANK US HOLDING COMPANY (FL)

TD Banks also referred to as XXXX XXXX for XXXX XXXX  : 1. Called a year ago after getting late notice and late fee and were told our payment was late but no explanation as to how it was late as my wife pays the bill same amount same time always. They waive the late fee without explaining how it was late. 
2. Fast forward to now and we get a collections notice and 4 late fees that are payment is behind.

3. Call customer service who identifies that the payment has been going to the wrong address for some time, and they forward to the correct address, but still charge late fees.

4. We correct our bill pay address since we did n't know it changed, requested Customer Service or Collections to waive those 4 late charges ( {$39.00} Each ) as the payment was clearly always bill paid on time in the same amount and was in the hands of the company until they forwarded it again therefore making it late. 
5. Request was denied by both customer service and collections even after explaining situations, purchasing a new bed with the same account, and both requests were denied.
Consumer complaint received 2017-08-24
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AR Resources, Inc. (FL)

I have disputed medical debts posted on my credit report from AR Resources. I submitted disputes to the CRAs for valid documentation to be provided to me in writing or to be removed from my credit report on XXXX, XXXX, XXXX of this year. 

No Documentation has been provided to me in writing proving the debts are mine and that the debts are valid. I dont even know what the debts were for. I responded to AR resources contesting the the validity of the debt and have received nothing in return. AR resources is also posting the same debt on my credit report twice in the amount of XXXX. Which is showing as additional collection account. This is an improper practice. I asked the CFPB once before to have debts removed and AR Resources agreed to remove. The debts have not been removed.
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Child Support Recovery Services, Inc. (MD)

CSRS , Inc, a collection agency, located in XXXX Maryland is conducting illegal and unethical credit reporting practices, by leveraging the credit bureau reporting agencies platform against consumers, by creating fake and bogus credit trade line entries, in order to collect, money, that were not obtained through lending organizations. For example, I received a sign-on bonus from a formal employer of XXXX while working in the state of Virgina, by law in the state of Virgina, bonuses are considered earned wages and not credit!!

After leaving the employer, within XXXX XXXXtime, the employer decided to ask for portions of the bonuses back. The employer after failing in an attempt to collect through the judicial system, has now decided to get CSRS , Inc, involved to collect on said bonus, however, again, bonuses are not credit, but wages earned in the state of Virgina. and can not be collected as credit debt. CSRS Inc, has manipulated the credit reporting agencies platform, by creating dummy trade-line accounts, listing the formal employer.as a creditor, which happens to be an XXXX XXXX XXXX and ( Not a lending organization ) based out of northern Virgina, which it fully doesn't operate under!! Therefore, CSRS Inc, is clearly using unethically and illegal practices in order to gain a favorable posture over a consumer. Moreover, matters between an employer and formal employee regarding wages earned or not earned, is a court matter, and not a collection agency, PERIOD!

CSRS Inc, is abusing the system and making a mockery of the industry wholistically!!! This company needs be stopped and investigated immediately. If this isn't addressed swiftly, considering the damages to my true credit reputation under fake and bogus trade-line accounts, I will sue all parties involved!!
Consumer complaint received 2022-08-04
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. (CA)

TransUnion has assumed this role without my permission, and did not exercise their GRAVE responsibility. They have been UNFAIR and IMPARTIAL and did not protect my privacy.

Pursuant to 15 US 1681B ( 2 ) In accordance with the written instructions of the consumer to whom it relates
Consumer complaint received 2017-08-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I have sent a letter numerous times to Transunion requesting they remove a hard inquiry from my account. The inquiry is from XXXX XXXX XXXX. I called the company as I had never heard from them before and they claim my name was on something else from another one of their companies and their secretary made a mistake. They wrote a letter to Transunion back on XXXX XXXX, 2016 telling them it was a mistake and to remove the hard inquiry. They further explained to me that they never even got a report from Transunion as they did not submit the request with any information ( DOB, SS #, etc. ) as they did not have that information to submit. I have filed numerous requests with Transunion to remove this hard inquiry and they simply ignore my request by sending me a copy of my credit report. I 'm getting pretty tired of this and do not understand how they are allowed to ignore these things or simply not respond to a concern. This is not appropriate and I am asking for your help to address this wrong doing on Transunion 's part. Thank you.
Consumer complaint received 2024-05-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSWORLD SYSTEMS INC (FL)

In XXXX of XXXX, I pulled my credit report and saw a debt collection that did not belong to me. I wrote to the credit bureaus disputing the collection several times. Specifically, I sent letters on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. In addition, I also sent letters to the collection agency asking them to validate the debt on XX/XX/XXXX, XXXX, and XX/XX/XXXX. This is a collection incurred by my ex-wife. But I have not been able to prove it because up to now neither the bureaus nor the collection agency have either responded, investigated, or removed the collection that does not belong to me. 
I want this collection to be removed from my credit report. immediately.
Consumer complaint received 2017-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: HUNTINGTON NATIONAL BANK, THE - FIRSTMERIT BANK, N.A. BRANCH (IL)

My HELOC w ith First Merit B ank termed out  XXXX   of 2016 an d at end of term  First Merit sent a statement showing the total balance due. Seeing that I did not have over {$300000.00} on hand I called First Merit Bank for guidance. I was told by a representative to continue m aking monthly payments of {$1000.00} to at least cover the interest while they sort things out. I then received an alert on my credit report that I was being reported as late, even though I made {$1000.00} payments from  XXXX   2016 -   XXXX   2016. I then  called the  First Merit customer service line. The First Merit  Bank representative told me several times the credit reporting would be reversed, yet each month things got worse not reversed. I talked to my branch contact  XXXX   XXXX  who called customer service on my behalf many times. The n Huntington Bank took o v er First Merit Bank  and now many of the personnel familiar with my situation are no longer employe d by Huntington Bank.  Luckily my  XXXX   XXXX  branch contact  XXXX   XXXX  is still wit h Huntington B ank.  XXXX  has made and continues to make several phone calls and has also been told mulitple times that the reporting is being corrected.  Huntington Bank has  since given me a two year extension on my HELOC, yet at a higher interest. If I were 120 days past due why on earth would anyone extend credit to me? Internall y, Huntington Bank k nows my credit report is incorrect but any other potential lenders looking at my credit report do not know the facts.
Consumer complaint received 2017-08-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY (NC)

I applied for a Wells Fargo Secured Credit Card on XX/XX/XXXX with the intention to establish a credit history and graduate to an unsecured WF credit card as soon as possible. When I applied for the Wells Fargo Secured Credit Card, neither the Account Agreement nor the Terms and Conditions specified any restrictions on the eligibility for an upgrade to an unsecured WF card. On XX/XX/XXXX, after almost three years with the card and multiple contacts with WF customer service confirming that nothing on the account speaks against an upgrade of the account and asking for more patience, WF still has not upgraded the account. This appears to be due to a clandestine addition of restrictions on upgrade eligibility to the Account Agreement and Terms and Conditions by Wells Fargo without informing customers of these restrictions. Specifically, WF added a clause rendering individuals who are not " U.S. Citizens or Permanent Resident Aliens '' ineligible for upgrades. 

The attached files are the Wells Fargo Secured Credit Card Account Agreement that WF provided to the CFPB which does not include any language on upgrade eligibility, the current Account Agreement provided on WF 's website as of XX/XX/XXXX which does list such restrictions, the Terms and Conditions at time of application for the account ( XX/XX/XXXX ),  and files that document the timing at which upgrade eligibility criteria where added to the Terms and Conditions ( XX/XX/XXXX ) and to the Account Agreement ( XX/XX/XXXX ).
Consumer complaint received 2022-09-08
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION (OH)

My card was FRAUDULENTLY charged {$37000.00} by someone and used on XXXX. I never authorized or made this purchase on my account or ANY account. My card was on file with the merchant XXXX  but I never made a purchase or authorized a purchase of {$37000.00}. I have filed and have an active FBI Complaint against the company and person I suspect involved as I was the victim of a financial scam that Ive informed NAVY FEDERAL about. My debit card was not in my possession at the time this charge of {$37000.00} was made on XXXX

NAVY FEDERAL denied my CHARGEBACK claim for the {$37000.00} and did NOT THROUGHLY INVESTIGATE who made this UNAUTHORIZED and FRAUDULENT charge from XXXX  on my debit card. NAVY FEDERAL gave unsubstantiated reasons why they didnt honor the claim, but I was supposed to be covered by their ZERO LIABILITY POLICY and they were supposed to PROVIDE a PROVISIONAL CREDIT and never did that also. 

I NEVER participated, Authorized, or Approved any charge in the amount of {$37000.00} from XXXX or any other retailer. 

PLEASE HELP ME and tell NAVY FEDERAL to chargeback this FRAUDULENT and UNAUTHORIZED charge of {$37000.00}. Me and my family are in the process of filing BANKRUPTCY now because of this DEVASTATING FRAUDULENT CHARGE. We are in a lot of DEBT now with multiple CREDITORS. 

PLEASE return whats rightfully ours.
Consumer complaint received 2017-08-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NJ)

Please refer to complaint # XXXX. Since there is no way to reopen a complaint I am forced to open a new one. In the complaint previously filed, XXXX indicates that they NEVER received a XXXX XXXX, 2016 letter from me regarding the issues I was having with their credit reporting. It took me a bit longer than I would have liked, but I knew I had a copy of my letter along with the signed Returned Receipt and my receipt from the Post office. As I have indicated in the prior complaint, XXXX has been the most disorganized company to work with and even when I was paying ahead of schedule they were showing Late payments and reporting it to the Credit bureau. In their response to me which they attached a copy to the above complaint they indicate their first notice of this complaint was in XXXX sometime. It was in XXXX and I am attaching the proof. This is not fare to comsumers and should not be allowed. Once again you can see that they ca n't keep their own records straight, yet they are allowed to ruin their customers credit. Please address this. They have once again lied.
Consumer complaint received 2024-05-09
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (FL)

My cashapp was hacked and funds were taken without my authorization from my chase bank, after fileing a dispute with chase, they decided to let the theif keep my money bringing my balance negative completely stealing from me.
Consumer complaint received 2022-03-03
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. (FL)

I UPDATE MY CREDIT REPORT. THERE ARE SOME ACCOUNTS WHICH IS NEVER BELONG TO ME. THE INFORMATION IS NOT RELATED TO ANY TRANSACTIONS MADE BY ME. IT LOOKS LIKE SOMEONE HACKED MY PERSONAL INFORMATION. THESE ACCOUNTS ARE FROUD
Consumer complaint received 2022-03-03
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: Mr. Cooper Group Inc. (NY)

A mortgage company has a foreclosure listed on mine and my husbands credit report. 
We sold our home in XX/XX/2021 ... .so, there was no foreclosure and yet, the mortgage company that held this loan listed a foreclosure on our credit reports.
Consumer complaint received 2015-04-10
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: FIFTH THIRD FINANCIAL CORPORATION (OH)

XXXX XXXX called my cell phone number ( no authorization was give from them to contact me via my cell phone ) -- they claim there is a pending law suit against me for Fifth Third bank -- -the mini Miranda was not given correctly -- they stated " This is an attempt to collect a debt and any information obtained can be used against me in court '' -- -I advised that I was currently in a bankruptcy -- XXXX -- I gave the women my Attorney 's name and advised to cease all calls. The following 2 days by parents have been receiving calls from them stating they have paper work to serve to me and that I need to contact them. I again called and have information to them and again gave them a cease -- they called my parents again today from a phone number that can not receive incoming calls,.
Consumer complaint received 2024-05-08
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: HW Holding, Inc (FL)

In the month of XXXX I contacted the debt company and asked them if they could provide me information on the debt that was listed on XXXX XXXX and they did not provide information on debt they also did not tell me whos the actual owner of this debt. During the phone call I asked for a breakdown and they said they would send it through email and then again through mail and I never received anything they have lied about sending a breakdown report. I have received multiple phone calls asking me to pay XXXX dollars in debt I do not own. On XX/XX/XXXX the collection was removed from XXXX. Ive also spoke with XXXX and XXXX filing this as fraud.