davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-19
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: ALLY FINANCIAL INC. (MA)

I was scammed on XXXX through a XXXX XXXX  group. Someone put up equipment for sale, which I sought to purchase. I had purchased gear through this group before without issue. I worked with the person on XXXX, and once they got half the payment, they sent me a bogus tracking number which did not work and then disappeared off XXXX. I reported this to the bank twice, and both times they denyed me. Then I worked with their " Executive Customer Relations '' and sent them the chats with the person and the bogus tracking number to prove I was scammed. Their response was : Unfortunately, neither Ally Bank nor XXXX is liable for any typos or keystroke errors that you may make when using XXXX, which appears to be the case in your concern. Further, subject to our obligations under applicable laws and regulations, you agree that you, not Ally Bank or XXXX, are responsible for resolving any payment or other disputes that you have with any other user with whom you send money to, or receive or request money from, using XXXX. Additional information about XXXX can be found on pages 11 through 28 of our Online Banking Services Agreement. 

I have no way of working through a dispute as it was a scam, and there is no one to work through it with. I am appalled that this bank is one of the banks that takes no liability for the fraud that happened using their systems.
Consumer complaint received 2022-08-19
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. (CA)

This is my 7th Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any account which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. XXXX XXXX XXXX XXXX Date Opened : XX/XX/2019 Balance : {$1600.00}.
Consumer complaint received 2021-07-18
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: LoanCare, LLC (OH)

We refinanced our home in XX/XX/2020. The company we had was Loan Care. I thought it went smooth but we have sold our home and upon the title search found out that the lien loan care had on our home they had paid it off but have not released the lien. In turn this will not let us close on our home. I have tried for over 3 weeks and have been told every excuse in the book promised to have it done XX/XX/XXXX and I still do not have it done. I have missed several job openings, rescheduled the XXXX, rescheduled my work here last date 3 times. We must have this to close and need ASAP before the people back out from buying our home. Please help me get them to finish this so we can close our loan.
Consumer complaint received 2021-10-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: John C. Heath, Attorney at Law, PLLC (CA)

Lexington law is a gimmick. I laid XXXX XXXX month for a year to remove a negative remark. 
They kept saying they removed it but they truly didnt. XXXX XXXX credit card is what shows late but its not. They keep saying they removed it but they only removed it from the old credit card number. Than XXXX XXXX moves it to the new credit card number.
Consumer complaint received 2022-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: LEXISNEXIS (WI)

lexisnexis won't let me get my credit report the code they sent me in the mail to access it online does not work and shows a error screen and i can't get my report it does not work
Consumer complaint received 2022-08-19
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: U.S. BANCORP (TX)

I received a {$50.00} XXXX gift card that was valid through XX/XX/XXXX and a {$200.00} XXXX gift card that was valid through XX/XX/XXXX as XXXX gifts in the past. They were never removed from the cardboard sleeves. In XX/XX/XXXX, I removed them and decided to check on the balance, and the automated system stated that both cards had a {$0.00} balance even though the cards were never used. I spoke with several representatives at the Customer Service phone number. ( It stated on the cardboard package, " If your card is about to expire, please call Customer Service for a new card. No fee applies. '' ) I emailed copies of both cards and sleeves to XXXX with subject line : " Missing Funds '' per my phone conversation with supervisor XXXX in the XXXX on XX/XX/XXXX. I received a XX/XX/XXXX email denying my request. 

Please help!!!
Consumer complaint received 2020-10-01
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIBANK, N.A. (CA)

Text and email from Citibank on XX/XX/20 regarding fraudulent debit transaction for {$71.00} from XXXX XXXX NY. Immediately called and disputed this debit. I live in California, have never been to NY, nor have I allowed anyone to use this debit card. I know no one in NY. Ny was in a total shutdown due to covid-19 at this time. During the same time period, I had XXXX in fraudulent charges from Connecticut that Citibank reversed. I never received a letter from Citibank that the charges were found in the merchants favor and have requested twice. They will not give me any info as to their findings and on XX/XX/20 was told to file an appeal. This was done via fax and hardcopy letter to the investigation division in XXXX XXXX SD on XX/XX/20. The bank has said letter in their possession and was told XX/XX/20 that an email is the only recourse, internally, would be sent by a fraud supervisor XXXX, to advise of the current lack of info not being sent to us. Was advised going into a branch is useless. There was a provisional credit applied for {$81.00}, why the amount changed is still unclear, and then XX/XX/20 the bank reversed this credit and a debit applied. I have been working on this for 5 months and need assistance as XXXX stated they can not assist as each location is a franchise. A corresponding # attached to the transaction on our checking account, a five digit #, does not match XXXX 's database to ascertain the exact location in XXXX NY. Citibank told me they have no idea what the number means. Any assistance would be greatly appreciated as the legal resolve is still uncertain in time limits.
Consumer complaint received 2020-03-20
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: USCB, Inc. (CO)

I have a concern that my privacy rights were violated through a family member ( brother-in-law or b-n-l ). The company RevSolve contacted my brother-in-law on XX/XX/XXXX regarding a small medical debt he owed. The agent then asked him if he knew me. He stated that I was his sister-n-law and asked if there was a problem with me and if he could pay my account off. The agent told him she couldn't give that information out, so my b-n-l said " Then why did you bring her name up? These two accounts have nothing to do with each other. '' Since my b-n-l was on the road when they called, he called them back on XX/XX/XXXX to pay off his account. On that phone call, a different agent asked him if he knew me - this would be a second time my name came up. My b-n-l again told the agent that our accounts have nothing to do with each other and why are you bringing her name up to me? My b-n-l was concerned and so finally decided to ask me about it. When he asked me " Are you and " my husband '' having financial difficulties? '' I was mortified that he would have been subjected to that through TWO agents of the company RevSolve. My name should have NEVER been mentioned what-so-ever to him. Our accounts are in no way connected. It would be no different than having 20 " XXXX 's '' and assuming any of them would be connected or related. I contacted RevSolve on XX/XX/XXXX to file a complaint. They were supposed to call me back on the same day and I have yet to hear from them. I have also contacted the medical facility on XX/XX/XXXX to let them know they are contracting with a company which is violating privacy rights. I have not received a call back from them as of yet ( XX/XX/XXXX ).
Consumer complaint received 2020-02-05
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (GA)

Subject : Criminal Complaint, Estate Money Theft {$400000.00} Deposition was obtained XX/XX/XXXX at XXXX XXXX XXXX XXXX FL.. 

XXXX XXXX was appointed by XXXX XXXX ( my father ) as executor of his estate via will. XXXX XXXX closed the estate account in Georgia and opened up an estate account in the state of Fl. Wells Fargo XXXX, FL. I requested an annual accounting on several occasions without success. Hired Lawyer. XXXX XXXX estate bank records have been obtained by subpoena. 
XXXX XXXX bank records have been obtained via subpoena. Wells Fargo XXXX, FL.. 

Approximately {$400.00}, XXXX is missing from The XXXX XXXX Estate. XXXX XXXX had 3 seperate accounts with Well 's Fargo XXXX FL.. Transactions clearly show that money from XXXX XXXX Estate was transferred to one of the three XXXX accounts over a period of time in the state of FL. XXXX has been removed as executor. I have been appointed executor by the court. 

XXXX XXXX has yet to provide an accounting and has not been cooperative with this process that began on XX/XX/XXXX. Contempt of court. 

My accountants have created a P & L in regards to XXXX XXXX Estate. 

We are still unaware of where money is or what it was spent on. This is because she refuses to cooperate. 

Any assistance would be greatly appreciated.
Consumer complaint received 2022-06-09
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: Experian Information Solutions Inc. (SC)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. 
These are the items I demanding to be deleted immediately : 1. Under 15 USC 1692f a debt collector may not use any false deceptive or misleading representation or means in connection with the collection of any debt this account is in violation. 
XXXX Account Number : XXXX Delete account for failure to perform an investigation per fcra regulation 2. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1692 ( g ) XXXX Account Number : XXXX Delete account for failure to perform an investigation per fcra regulation 3. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1692 ( g XXXX  Account Number : XXXX This Account is inaccurate and seeking litigation please delete it once
Consumer complaint received 2023-03-13
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. (NY)

In Accordance with the Fair Credit Reporting Act 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 
15USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose
Consumer complaint received 2022-09-22
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. (IL)

Ive identified inquiries on my consumer report as a result of identity theft. These items are not related to any transactions made by me. Ive tried to contact the companies directly to no avail. Attached you will find the FTC report, my consumer statement, and my identification proving my identity.
Consumer complaint received 2020-01-18
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (GA)

I have several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasn't approved so it prompts me to check my credit report.
Consumer complaint received 2020-03-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Conn's, Inc. (TN)

Conns has stated that I owe {$4100.00}. This amount is inaccurate. I filed a claim with the FTC that Im a victim of identity theft. Conns has not attempted to help me resolve this issue.
Consumer complaint received 2021-07-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO. (PA)

I opened a new Chase Sapphire Preferred credit card in Chase Bank local branch in XXXX, PA this XXXX. Back then the promotional offer for this new card was that I will receive XXXX bonus points after spending {$4000.00} within the first 3 months. When I opened this new card, Chase branch banker promised to me that, if a better promotional offer becomes available within 3 months, Chase will match my current promotional offer to the better offer.

In XXXX, Chase upgraded the promotional offer to a better offer in the market. In the better offer, Chase offered XXXX bonus points instead of XXXX bonus points after {$4000.00} spending in the first 3 months ( exactly the same purchase requirement ). Based on Chase Banker 's commitment, I contacted Chase to request matching my offer to the better promotional offer available in the market and apply the additional XXXX bonus points to my account. However, Chase Executive Office simply declined my request without any legitimate reason. They completely ignored their own Chase Banker 's promise and commitment. This is against their basic business principles and integrity. Also this is essentially cheating customer. 

I request Chase to honor their banker 's commitment and match my credit card offer to the better promotional offer by applying the additional XXXX bonus points to my account immediately.
Consumer complaint received 2022-08-18
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. (GA)

On XX/XX/2022 I bought a plane ticket on XXXX and charged it to my Chase Credit Card ending XXXX. I cancelled the ticket the same day and XXXX issues a refund back to the card. The refund has never shown up, the amount was posted to my card and was never reversed or a refund issued. I have contacted both XXXX and Chase many times but they refuse to help and each claims its the other 's fault. I filed a DOT complaint and XXXX has responded with the following but Chase still refuses to help. I dont know how to resolve between these two companies. Attached is the response from XXXX in response to my DOT complaint. 


XXXX : XXXX - ( XXXX XXXX ) XXXX XXXX PersonalXXXX XXXXXXXX XXXX XXXX XXXX XXXX 1 hour ago ) to me -- -- -- -- -- Forwarded message -- -- -- -- - From : Customer Support XXXX Date : Mon, XX/XX/2022 at XXXX XXXX  Subject : XXXX - ( XXXX XXXX ) XXXX XXXX To XXXX XXXX XXXX XXXX Hi XXXX, Thanks for bearing with us while your note to the Department of Transportation was being reviewed. They have asked us to respond to you directly, and I have taken a thorough look at your concerns as they are very important to us at XXXX. 

XXXX, per our cancellation policy, a refund will only be allowed if the reservation is canceled within 24 hours of initial booking, provided the reservation was made seven ( 7 ) days or more prior to the flights scheduled departure. In your case, I found that you purchased booking XXXX on XX/XX/XXXX and cancelled it online the same day in which the funds of {$590.00} were returned to the XXXX ending in XXXX. At this time, no other refund is due. 

Please note that in cases where a refund is processed the same day as the purchase, the initial credit card authorization will not be processed but show as pending and will not post to the account. As such, the funds will be available in the account in a few days depending on the financial institution. Should this authorization become permanent and actually post to the account, Guests are asked to file a dispute through their financial institution. With that stated, I encourage you to reach out to the bank belonging t the XXXX account for further assistance if you found that the payment was posted to your account. 

If you have any other questions or concerns, please feel free to reach back out to me Im here to help. Otherwise, we hope to welcome you onboard again soon. 


Kind Regards, XXXX DOT XXXXXXXX
Consumer complaint received 2021-07-17
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. (PA)

Equifax improperly furnished my report without my written consent. According to 15 usc 1681b : any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Equifax told me that they are allowed to report without my consent if they want which is a violation of my consumer rights. They refused to take off information that was not or could not be validated
Consumer complaint received 2021-07-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (GA)

I called Wells Fargo Dispute Department to pay {$63.00} but before I made a payment, I told them I wasnt going to pay until they removed the entire account off my credit report on XXXX, XXXX  and XXXX  which they agree and they would send a copy to my address that I paid and it was going to removed off my credit report. The phone called was recorded. After a month, I got a letter saying the loan was resolved but nothing that it was going to be removed off my credit report like they initiated on a recorded phone conversation. when I check my credit report the account was still on there which they lie.
Consumer complaint received 2020-10-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (NY)

After purchasing a copy of my credit report, I was able to locate a series of negative accounts, that are preventing me from moving forward with my financing. With this in mind, I decided to contact the credit reporting agencies, to have them help investigate these events. 
I understand that, the credit reporting agencies, have been granted a " relax enforcement standard '' from the CFPB to allow them to either delay, or not respond to my dispute request. However, according to section 1681i of the FCRA, the credit reporting agency, are bind by law, to respond within the highlighted time frame to avoid a possible civil case against them. This is in compliance with section 616, and 617 of the FCRA. It has  been more than 45 days since, I requested these items to be properly investigated. I have yet to received anything back from them.
Consumer complaint received 2021-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (TN)

I can not obtain online weekly electronic access to my EQUIFAX credit report thru annualcreditreport.com. The other 2 bureaus work just fine. I have already contacted EQUIFAX and they advise they can not do anything regarding the XXXX website and suspiciously redirect me to go to myequifax.com to sign up for 6 free copies of my EQUIFAX report. XXXX just redirects to each bureau 's security forms, so it should not be an issue with XXXX. Before I am given the " Online Delivery Unavailable '' error/load page, I am usually asked the Equifax security questions and most of the time none of the questions or answers apply to me, but the most recent time they all applied to me and I know I answered them 100 % correct, and still got the message that online delivery is unavailable.. I haven't received my free weekly Equifax credit report at all within 2 months even after calling Equifax twice and regardless I shouldn't have to receive only this bureau in the mail, I should be able to have the electronic weekly access as is offered. It is a WELL KNOWN ISSUE with loads of consumers and a theory is that EQUIFAX is preventing access, the CFPB need only XXXX this issue to find numerous complaints. Please demand this issue is fixed with either EQUIFAX or annualcreditreport.com, we as consumers should not have to transact extremely sensitive personal documents via MAIL.