davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-03
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: Self Financial Inc. (MN)

i brought something from a seller i met on XXXX i used XXXX  to complete a transaction with them. the seller got my money then told me i had to wait until the next day to receive the documents i paid for. he stopped answering the phone and i tried to dispute it with XXXX but they told me they wont do anything about it. i then went to my card company and explained that i was scammed and wanted to reverse the transaction since i didnt get anything for the {$150.00} that it cost me. they claimed to do an investigation and found no error. I was scammed and told them this and they still refused to give me back my money. there are 3 people involved in this transaction besides me and no one is willing to give me back my money or the product i paid for. I dont understand how they can just decide that there was no error made when i paid for a product that i never received.
Consumer complaint received 2022-12-05
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PlusFour, Inc (NV)

I had a ER visit on XX/XX/2020, at the time i had insurance on Nevada XXXX XXXX, I was later billed for services that normally and should have been fully covered. Per XXXX  ( XXXX XXXX XXXX nevada ) I submitted the correct documentation and Medical ID cards at time of visit. Per XXXX XXXX XXXX submitted the wrong insurance for claim proccessing to XXXX. So since XXXX submitted the wrong insurance XXXX did not pay for the claim. XXXX also informed me they have proof that i submitted the right insuranc card because all of the other claims were subkitted correctky and paid out. XXXX XXXX made a mistake and they are trying to make me cover and pay for their mistake. I have made numrous attempts for them to fix them and they just tell me they will submitt this dispute to someone higher up and no one ever follows up with me. The debt collecgtor on behalf of XXXX XXXX continues to update the credit breuars with increase in amounbt that i owe and Im assuming they are adding intrest to the debt that they claim I owe, I do not owe this debt please resolve it on your end and remove it from my credit report.it is destroying my life and preventing me from purchasing my dream home.
Consumer complaint received 2022-09-25
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)

This account is not mine but is reflecting on my credit reports. 

XXXX XXXX XXXX Acct # : XXXX Opened : XX/XX/2018 Amount : {$25000.00} They are illegally furnishing data on my consumer report that one is not mine or i dont remember opening these accounts. i never gave XXXX XXXX XXXX any verbal or written consent to report anything on my consumer report. no consent is identity theft. so they are violating law 15 U.S. Code 1681b i am personally writing to them with help of my lawyer that is telling me to gather all this information to file lawsuits to the credit bureaus and these companies that are making money off me while maintaining my credit in the ruins. selling my information to third parties.
Consumer complaint received 2022-12-05
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: BANK OF THE WEST (TX)

I have been making payments for this RV for almost a year now using auto-draft. On the month of the 1st full year making payments, my auto-draft feature turned itself off. I originally had it set up through Bank of the West 's application. When I called them the first time, I was on the phone with XXXX, an XXXX XXXX XXXX, they told me I had not used bank of the west for auto-draft. They suspected that I used my XXXX bank to set up payments, which again I used the application their bank provided. They couldn't help me try to figure out how the feature turned itself off in the first place. It was originally set up to be taken on the XXXX of each month and my billing statements all support that. However, now that it was 6 days past due because of this, while on the phone with the first representative, I opted to pay a {$5000.00} to the account. I received confirmation number XXXX on the XXXX of XXXX at XXXX central time. He also helped me set up auto-draft through Bank of the West at that time. The next day I made a smaller payment to send a payment with a faster authorization time to show the account current. Since it was Sunday, I scheduled it for Monday. Monday comes and it did not get authorized nor was a confirmation email sent. I called customer service again, this time speaking to a XXXX. She also said that she couldn't understand how the auto-draft feature turned itself off. That only the customer can do that. I assure anyone, I would not do that. It was working flawlessly before. Again I was told I must've used my own bank, which was incorrect again. Then I was told XXXX was the one making the payments. I only used their application. If they can't see who they use to process their own electronic payments, and make their customers feel afraid for their credit score, how can I continue to be a banking customer nor want to expand their own specific services? I only used their online website and application. My account is showing late and no matter what form of payment I try whether online or through their application, it does not work. I tried again while writing this complaint at XXXX central time on XX/XX/XXXX ; nothing. I'm almost reaching the 10 day grace period for this payment and I can already hear and see the automated debt collection response I will receive. I'll probably talk to someone who wont know that I have been trying since the 1st day of it being late, that I have been trying to pay it.
Consumer complaint received 2022-09-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

I want a Reinvestigation line by line done on these accounts becasue it was not done accurately. These accounts can not have been properly investigated because these accounts can not be both opened and closed. That's why I'm asking for a reinvestigation In Accordance With the Fair Credit Reporting Act : XXXX, Account # XXXX, XXXX XXXX, Account # XXXXXXXX XXXX XXXX XXXX  Account # XXXX, XXXX XXXX, Account # XXXX, XXXX Account # XXXX, XXXX XXXX, Account # XXXX, XXXX, Account XXXX XXXX, XXXX XXXX, Account XXXX XXXX, XXXX XXXX XXXX, Account XXXX XXXXXXXX XXXX Account # XXXX, XXXX, Account # XXXX my federally protected rights are violated and these accounts need to be deleted. 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, which i did not give them. 15 USC 1681 Congressional findings and statement of purpose. 1681i, Procedure in case of disputed accuracy. ( 2 ) Prompt Notice of Dispute to Furnisher of Information ; ( 5 ) Treatment of Inaccurate OR Unverifiable Information ( A ) In general, If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) Promptly delete that item of information from the file of the consumer, or modify that item or information, as appropriate, based on the results of the reinvestigation ; and ( ii ) Promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 15 U.S.C. 1681i, Procedure in case of disputed accuracy. ( E ) Duty of person after receiving notice of dispute. After receiving a notice of dispute from a consumer pursuant to subparagraph ( d ), the person that provided the information in dispute to a consumer reporting agency shall ( iv ) If the investigation finds that the information reported was inaccurate, promptly notify each consumer reporting agency to which the person furnished the inaccurate information of that determination and provide to the agency and correction to that information that is necessary to make the information provided by the person accurate. These accounts are not accurate and I need them deleted.
Consumer complaint received 2022-09-25
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. (TX)

In accordance with the fair credit reporting act account XXXX has violated my rights.. 

15 U.S.C 1681 SECTION 602 A STATES I HAVE THE RIGHT OF PRIVACY..

15 U.S.C 1681 SECTION 604 A SECTION 2 ITS ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS 1 ) 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ) XXXX XXXX XXXX # XXXX
Consumer complaint received 2022-09-25
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (CA)

My wife and I bank with Wells Fargo. My wife received a call from what she believed was XXXX to fix a fraud complaint and they sent a message with a link. Unfortunately, it was not actually XXXX and the link ended up enabling the person ( s ) to send XXXX transfers from our checking account into their account. 

This occurred on XX/XX/2022 and we notified Wells Fargo immediately, prior to any fund transfers being completed. They didn't take any action to stop the transfer ( s ), which totaled {$2300.00}, the fund transfers ultimately went through, and Wells Fargo is refusing to reimburse us claiming that these transfers were " authorized '' by my wife. They seemed to base this on her handling the link she received from what she thought was XXXX.
Consumer complaint received 2022-09-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (KY)

I requested that a proper investigation of my accounts was not done In Accordance With the Fair Credit Reporting act. these accounts can't be open and closed at the same time. These accounts need to be deleted. I want a line by line reinvestigation on the accounts listed below. The accounts listed below have also violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681, they are show inaccurate information. XXXX acct # XXXX XXXX XXXX acct # XXXXXXXX XXXX XXXX acct # XXXX, XXXX XXXX XXXX acct # XXXXXXXX XXXX XXXX XXXX acct # XXXX violated my federally protected 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 an account without my written instructions. I never provided written instructions to furnish these accounts. I need the following incorrect names removed from my credit report too : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ).
Consumer complaint received 2022-07-29
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. (TX)

In accordance with the Credit Reporting act XXXX 's 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 166b A Creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason
Consumer complaint received 2022-12-05
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF THE WEST (IA)

I tried to make a purchase and my card was declined. I look at my banking app, Bank of the West is my bank, and I see they charged me 5 times a fee of {$35.00} and all it states is FEE. I call their customer service line as my local branch was closed at the time. I talked to three or four different people and each one of them refused to tell me what the fees were for and insisted that I would have to go in to the branch in the morning. Irritated I finally agreed. The next morning I go into the branch and speak with the banker she tells me that I had five overdraft fees. The day the fees were charged for my end balance was {$35.00}. She tells me that my XXXX that was sent to me that day did not post until the next morning and that's why I got those fees. First of all if I couldn't use that money till the next day why did they give it to me? Second of all XXXX is instant so if it didn't post that don't make sense. Third of all why did my end balance say {$35.00}? This sounds like their mistake not mine. The banker told me she can take off one fee. Oh so I only get charged {$140.00} for their mistake rather than XXXX? I don't think I deserve to be charged when they gave me the money the day of and had they have waited till it " '' posted then I never would've got charged. This makes it their mistake I want my money back this is theft on their part. They are closing my acct and i want my money that they stole from me!
Consumer complaint received 2022-09-25
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: DISCOVER BANK (NC)

DiscoverCard is reporting to the credit bureaus that I have a charged off account with a specific amount owed to them, still invalidated, and attempting to collect another amount, over {$1000.00} more through a law firm and this is deceptive and furious collection techniques. Furthermore the balance Discovercard is not even showing the exact amount they earlier reported with a difference of XXXX ( XXXX cents  ). This needs to stop now! Trying to collect different amounts and this harassment along with is illegal! I will seek an attorney if this XXXX is not removed from my credit files by Tuesday morning XXXX. My rights have been violated and my credit score has been affected and this continues to invoke emotional stress which is affecting my health.
Consumer complaint received 2022-07-04
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: EQUIFAX, INC. (MD)

In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX Account XXXX XXXX, XXXX XXXX XXXX  Account XXXX XXXXXXXX XXXX XXXX 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 an account without my written instructions,
Consumer complaint received 2022-12-05
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL (MO)

I have been a Care Credit Customer for over 2 years now. I opened my XXXX statement and the charged me {$1400.00} for interest! I called them and they said a " promotional period has ended ''. I was still being charged interest before this " promotion '' just ended. They said they can take the interest off if I make a {$1400.00} payment in 10 days. So technically they are not taking the interest off. I have been using this card and paying the payment on time for 2 years. So apparently, they did not allocate the payments properly for the 2 years. This charge put me at the over the limit amount. So now I will have to pay a penalty on top of that. Very shady way of doing business.
Consumer complaint received 2022-04-25
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. (IN)

XXXX XXXX XXXX XXXX  said i had late payments on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 
XXXX XXXX XXXX XXXX said i had late payment XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XXXX XXXX the acct is in good standing and has been. 
15 U.S.C 1681 SECTION 602 A. STATE I HAVE A RIGHT TO PRIVACY 15 U.S.C 166B A CREDITOR MAY NOT TREAT A PAYMENT LATE ON CREDIT CARD ACCT UNDER AN OPEN END CONSUMER CREDIT PLAN AS LATE FOR ANY REASON
Consumer complaint received 2022-06-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/2022, I have deposited {$90000.00} from our client ( XXXX ) for construction work in their office building. The funds could take 5 business days to clear, which is normal when depositing large sums. Sometimes it takes 2 business days, sometimes the full 5 days. No problem. However, the next day when I tried to withdraw {$200.00} from the ATM, I was notified that there was an error and that I can not withdraw cash from ATM. I called the customer support and was notified that the account was restricted. Then the customer support rep said everything should be worked out by XX/XX/XXXX since XX/XX/XXXX was a holiday. 

XX/XX/XXXX rolled around and the account is still restricted. Person on the phone could not tell me the reason. Asked for supervisor and was notified that the {$90000.00} check needs to be verified by the issuer. We were able to schedule with the check issuer with the required identification and documents that were provided by customer support from Chase. We submitted everything to the local office branch XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX. The banker asked if the president of the company ( XXXX ) can come down to verify. ( If we get a check from XXXX, would XXXXXXXX XXXX have to come down? ) The office branch told us to call Chase customer support day after tomorrow ( today XXXX ) to get an update. Called the number and was notified the account is STILL restricted. Asked if you can hold the {$90000.00} and release the rest of the funds in the account. I was told yes, if only I withdraw in person at the local branch. I am now told that I can not access the rest of the remaining funds. Each time I call to ask why the account is restricted, reasons are a bit different each time. 

This is impacting my business. I can not pay my employees. Chase has been dragging their feet, if that, in this whole situation. Client provided proof that funds ( {$90000.00} ) left their account. Chase is holding not only the {$90000.00} but my whole business account.
Consumer complaint received 2022-09-25
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: GOLDMAN SACHS BANK USA (CA)

I contacted Goldman Sachs regarding a CLI on a existing Apple Branded XXXX ; they denied the credit limit increase because Your recent payments on Apple Card did not cover a significant portion of your monthly balance. Yet, I made a $ XXXX payment days before the request which brought the card balance to {$0.00}. When I contacted their customer service representative they were uninformed and unhelpful. They said that XXXX doesnt look at internal payment history and only rely upon what is reported to the Credit Bureau XXXX yet historically on this account XXXX has failed to report updated information to the credit bureau in a timely manner. 

It should also be noted that the credit limit issued by XXXX XXXX sufficient to purchase most products at the branded store ( Apple ) associated with the card ; when I pointed this out to the representative, the were like so, use another card the Apple Card by XXXX is heavily advertising that you can get 3 % cash back on Apple purchases with the Apple Card. 

It should also be noted that I have a XXXX score in the low XXXX range and is much higher than it was when the card was first opened. I also have multiple cards with other lenders with credit limits 50 % and 150 % higher than that on the Apple Card by XXXX.
Consumer complaint received 2022-07-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CITIBANK, N.A. (OH)

A balance transfer was inadvertently mailed to citbank that should have gone to another bank. The bin on the card belongs to citi but the card is not serviced by them. I have called repeatedly to try and get he funds returned back to the issuing bank or to the customer to no avail. The check was mailed on XX/XX/XXXX in the amount of {$2400.00}. The check was cashed on XX/XX/XXXX. I have a copy of the cleared item. I can even tell you what account it was credited to. Every time I call we are advised that someone will look into the matter and follow up. We have emailed, faxed and called. I have been calling in since XX/XX/XXXX. Each time customer service refuses to escalate the situation. 
XX/XX/XXXX XXXX XXXX provided case number XXXX stating XXXX would contact me within XXXX bus hours. 

XX/XX/XXXX XXXX XXXX advised he would contact me with a supervisor after holding to XXXX the call dropped XX/XX/XXXX XXXX XXXX escalated call to XXXX who told me to keep faxing never provided any fax number before ending the call. 
A fax was sent on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX to XXXX. Attention : XXXX XXXX I have also faxed the payment research numbers provided by customer service XXXX & XXXX. 
We have attempted to call XXXX and left voicemails at XXXX # XXXX. 
I have emailed XXXX. We have tried to resolve this payment issue. I just need the funds returned back to the sender.
Consumer complaint received 2022-07-04
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)

Recently I have checked my credit report and noticed some fraudulent activities on my report. I did a FTC report and included it below of all fraud accounts and names and addresses. 
I have never lived at these addressesXXXX 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 I never worked here : XXXX XXXXXXXX XXXX I never authorized these inquires : 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