davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Chime Financial Inc (PA)

I have a XXXX $ per day spending limit, my account keeps getting declined when trying to purchase and withdrawl funds and I have calculated XXXX $ spent in XXXX hours I called chime they told me I have spent XXXX $ in the past XXXX hours saying I have XXXX $ available for my XXXX  limit. My card still continues to decline for small transactions. No help from customer support saying I just need to wait it out. It doesnt make sense as I have not hit my daily limit. And am now stranded
Consumer complaint received 2022-10-04
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)

My personal information was stolen in XXXX, since then Ive been seeing a lot of unauthorized inquiries and accounts. Ive attached a police report pertaining to the incident. In accordance with the Fair Credit Reporting act multiple unauthorized Inquiries have been found on my credit report please investigate and Remove all inaccurate inquiries I have listed immediately, the following includes : 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 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
Consumer complaint received 2024-04-26
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (CA)

Hilton XXXX XXXX offered me a promotion to sign up with their Hilton-American express credit card in XX/XX/XXXX during their event which I attended with my sister on XX/XX/XXXX. The promotion stated that if I make a purchase of {$2000.00} WITHIN 6 months of membership, I will receive XXXX points. I made a picture copy of this promotion. Then my sister and I signed up for this card that same day, XX/XX/XXXX. 
My sister made a {$2000.00} purchase and received her XXXX points. I made my {$2000.00} purchase by XX/XX/XXXX, which is still WITHIN the 6 months membership but I only received XXXX points upon fulfilling that requirement. I escalated this issue with American Express twice and with Hilton 3X and they refused to grand me the remaining XXXX points. 

This is a deceptive business practice. 

My Hilton Honors # is XXXX. 

My AMEX Hilton Honors card that I signed up on XX/XX/XXXX is XXXX XXXX XXXX
Consumer complaint received 2024-04-26
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL (TX)

To Whom It May Concern, I am writing to express my deep dissatisfaction with the handling of my credit account by your company. Two years ago, I signed up for a promotion that advertised NO INTEREST for 2 years, only to later discover that the promotion was not applied to my account and I was being charged regular interest rates. To make matters worse, the company has now retroactively added all of the interest back to my account, causing my balance to skyrocket and negatively impacting my credit score.

In addition to this egregious error, the company has also inexplicably lowered my credit limit, despite the fact that I have consistently made on-time payments and was close to paying off the card in full. This arbitrary decision has only added insult to injury and has further damaged my financial standing. 

I find this behavior to be not only unethical but potentially illegal. In the current economic climate, where many individuals are struggling to make ends meet, it is unconscionable for a company to engage in such deceptive practices and take advantage of its customers. I demand that the accrued interest be immediately removed from my account. 

If this issue is not resolved in a prompt and satisfactory manner, I will not hesitate to escalate my complaint to the XXXX XXXX XXXX, the Federal Trade Commission, and the attorney general. I implore you to rectify this situation and restore my faith in your company 's integrity and commitment to fair business practices. 

Sincerely, XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX
Consumer complaint received 2021-10-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MRS BPO, LLC (IL)

MRS Associates continues to re-insert a spectrum bill of {$310.00} onto my credit report after having been removed multiple times due to no supporting information that I owe this debt. I am not aware of and do not owe this debt
Consumer complaint received 2020-04-29
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. (MT)

I don't have a XXXX XXXX. How can they show on my credit report as a creditor without my knowledge? I didn't sign up with them people. I sent all the stuff to them to show them and they still are showing on my credit.
Consumer complaint received 2018-06-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: WELLS FARGO & COMPANY (MD)

I applied for a Wells Fargo credit card to do a balance transfer. I asked for {$10000.00} credit and received a {$15000.00} card. When the card arrived I didnt want to use the enclosed check so I called the bank and the customer service rep helped me decide to do a {$13000.00} transfer from XXXX electronically.On XX/XX/XXXX, I find out I owe XXXX to Wells Fargo, even though I only had {$15000.00} limit. I called the bank and was told the rep made a mistake and I should call XXXX to reverse it. After almost 90 days its still not resolved, but Wells Fargo charged me 2 transfer fees, and forced me to pay $ XXXX monthly and no longer takes any responsibility for their mistake
Consumer complaint received 2024-04-22
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Sterling Infosystems Inc. (AL)

Refiling complaint because company said I did not send all of the account details information to identify the information I am disputing on my report. I have emailed this information to them repeatedly as well as faxed it, without any response. I will not post personal information here, as it states this information is displayed publicly. This company knowingly and willfully reported old, innacurate and false information that caused substancial harm in the form of lost employment. I was not allowed to dispute the information or the accuracy of the report before the offer letter for employment was rescinded. Further, I have not received the required legal notifications such as a preadverse action or adverse action notice and I have requested it several times. I have submitted proof of the false information more than 5 times and have tried contacting the company numerous times. They disconnect phone calls and don't respond to questions that are emailed regarding getting a new report with the incorrect information removed. This company has a vast history of false and innacurate reporting and in my research they have lost numerous court proceedings regarding the reporting of innacurate or false information including at least one class action lawsuit, yet they do not appear to have refined their business processes despite the continuous harm being caused to thousands of Americans. I believe this company has acted in such bad faith, even after legal repute, to so many consumers, they have proved they can not be trusted to reliably and responsibly report information and as such, they should NOT be allowed to gather, review, report or otherwise access anyone 's personal information or provide any information to any company in any capacity.
Consumer complaint received 2024-04-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Resurgent Capital Services L.P. (FL)

In accordance with the Far Crean Repoting 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, has viotaled my rohis 15 J 8 G 1681 solon 602 A. States & have the nght le pivacy 15 .5.C. 1681 Secion 604 A Sechon 2 I arso sales a conumer reporng agenal cannet furish a account wimout my wrpien anstnchons
Consumer complaint received 2024-04-24
Product: Credit 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: CITIBANK, N.A. (MA)

Stayed at a hotel on XX/XX/XXXX with my XXXX XXXX. Afterwards, I noticed the hotel had charged me a {$50.00} fee for the XXXX XXXX, which is illegal. 

I was unable to reach the merchant, so filed a disupte with Citibank on XX/XX/XXXX. They closed the dispute citing not enough information was provided, without giving me an opportunity to provide more supporting information. 

I spent XXXX weeks requesting that they reopen the dispute and contacted Citibank over a dozen times. I was never given an opportunity to submit more information, as the online portal never showed that the dispute was reopened. 

I received a letter from Citibank a couple days ago saying that they will not communicate with me further on this matter, so I need to escalate the matter as they have been unwilling to work with me to resolve the dispute.
Consumer complaint received 2017-02-01
Product: Debt collection — Auto
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Creditor's Collection Service, Inc. (NJ)

I cancelled an insurance policy with XXXX because they raised my policy more than double within a couple months with no justification.I called them on the phone after I already picked up CURE insurance told them I 'm cancelling and why they said it was cancelled at that moment we spoke. Next thing I get a letter I owe them XXXX and at the time I cancelled I owed them nothing They took their time dropping me from policy and expect me to pay for them when I already was paying CURE They put it as a collection on my credit report XXXX deleted it off my credit report but XXXX still has it on there
Consumer complaint received 2024-04-26
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Merchants and Medical Credit Corporation, Inc. (TX)

MERCHANTS & MEDICAL CREDIT Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/2024 Status Collection account. {$5.00}, XXXX past due as of XXXX XXXX 
Status updated XX/XX/2024 Balance {$5300.00} REMARKS : Original creditor XXXX XXXX XXXX has not provided any documentation of debt nor cooperated to release any notice of itemized services provided. Attempted to contact merchant on XX/XX/2024, who reported balance and answering rep. received request. Rep. could not assist and forwarded request to office manager who has not responded to efforts to resolve matter by phone.
Consumer complaint received 2020-04-30
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)

XXXX, XXXX, and Experian are inaccurately showing that several of my accounts are 30, 60, 90,  and/or 120 days late on my credit report. The following accounts are inaccurately reporting late : XXXX XXXX XXXX XXXX  - Date XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX/XXXX  - XX/XX/XXXX
Consumer complaint received 2015-12-29
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

I received a Capital One Credit Card to be Activated in the mail. I did not request this card. I reported it to Capital One fraud department and do an investigation on who did it. I called them to find out what is going on. They told me they filed this to my credit at the credit bureaus. They should not have done that to my credit rating since I did not ask for this Credit Card. Company is Capital One, XXXX XXXX XXXX XXXX, XXXX Virginia XXXX
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

I have sent multiple letters, which I have attached with this claim, over the time frame of XXXX XXXX to XX/XX/XXXX. They have not deleted the incorrect items, nor have they answered my questions on to how it was verified, who verified it, or provided the proof that was used to verify the items. They are violating the law. These items need to be eliminated from my credit report immediately. Transunion started just sending me the exact same letter back to me the last few times, which clearly was a show of no work being completed.
Consumer complaint received 2024-03-18
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (GA)

I am writing to file a formal complaint regarding an unauthorized withdrawal from my account at the Wells Fargo Bank branch located on XXXX XXXX XXXX XXXX, XXXX, GA XXXX. 

On Saturday, XX/XX/year>, at approximately XXXX XXXX  I deposited a sum of money totaling {$4900.00} into my account at the aforementioned bank. The deposit consisted of loose currency amounting to {$450.00} and strapped currency totaling {$4500.00}, as evidenced by the receipt I received from the bank. Later that same afternoon, I received a call from the bank claiming there was an error of {$2700.00} and was asked to visit the branch on Monday. Subsequently, on Monday, XX/XX/year>, at XXXX XXXX, I received an email update from Wells Fargo stating that my account balance was accurate as of XX/XX/year>, with the amount showing as {$4900.00}. 

Upon visiting the branch on Monday, XX/XX/XXXX, I was informed by the XXXX that an error had been discovered, and they would need to deduct the amount from my account. Despite my insistence that the amount deposited was correct and they had been counted in front of me by the banker, the XXXX proceeded with her claim that the error is saying otherwise. 

I requested proof of the alleged error, but I was denied access to any evidence supporting their claim. Consequently, on XX/XX/year>, without my authorization, the bank deducted {$2700.00} from my savings account, leaving it with a negative balance. 

I am hereby requesting that your office conduct a thorough investigation into this matter. Specifically, I ask that you review the surveillance footage from the time of my deposit to verify the accuracy of my claims. I firmly believe that a review of the footage will confirm that I did indeed make the deposit as stated on my receipt. 

I am asking kindly for this matter to be investigated because this is not the first time this bank makes these types of claims.
Consumer complaint received 2021-10-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Westlake Services, LLC (GA)

ALL 3 CREDIT AGENCYS AND COLLECTION COMPANIES REPORTING OUTDATED ACCOUNTS SINCE XXXX... ..ID FRAUD accounts open without my consent and not my accounts ... '' XXXX XXXX AND WESTLAKE FINANCIAL SERVICES XXXX' ... ..AND VIOLATED " FCBA, FCRA, FDCPA ''
Consumer complaint received 2021-01-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (MO)

I requested a PMI removal back in XXXX of XXXX and was told that my loan needed to be paid down to 80 % LTV to have the PMI removed. I paid down the mortgage to below 80 % and again requested a PMI removal. This time I was asked to pay for a BPO, which I did. I received a letter on XX/XX/202 stating that the home LTV was now at 73.96 % ( {$120000.00} ) and the home ( as it is an investment property and now needed to be paid to below 70 % LTV ) needed to be paid down below {$84000.00} in order to remove PMI. I sent in a check noting a Lump sum payment to be applied to " principal only '' as stated in the memo line, as instructed. The payment was erroneously applied to multiple future payments and I had to call the company to sort that out. I paid the loan down to {$84000.00} on XX/XX/2020 and requested a PMI removal the same day. I was sent an email that the request could take up to 30 days to process. Since then, I have called the company five times, speaking to 8 different representatives telling me that they are not sure why my PMI has not been removed and they will speak with a supervisor and get back to me. Not one of those people has gotten back to me, and me PMI has still not been removed. I am told their PMI/escrow department will not take calls from consumers, so I am left at the mercy of their customer service agents who clearly are not following up. I am unsure what to do at this point.
Consumer complaint received 2016-09-16
Product: Mortgage — Reverse mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (CA)

In 2009, my father was solicited to apply for a reverse mortgage. He was XXXX years old at the time. According to a Wells Fargo reverse mortgage bank statement we have, he was approved for a reverse mortgage loan in the amount of {$120000.00}. My father has since passed away and Wells Fargo is now trying to foreclose on his house. As the executor of his estate, I have spent the last few months requesting Wells Fargo to provide information that my father did in fact receive the proceeds of the loan ( e.g., evidence of wire transfer or a copy of cashed check, etc. ). To date, Wells Fargo has not provided any information. 

My father was a low-income, XXXX living alone on a fixed income. I believe he may have been targeted for an unnecessary loan based on his profile. I am concerned that my father did not fully comprehend the consequences of a reverse mortgage, nor did anyone at Wells Fargo fully explain the terms of the loan. Based on Wells Fargo 's unwillingness to share information about the loan, I question whether my father even received the full proceeds of the loan.
Consumer complaint received 2024-03-11
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: Experian Information Solutions Inc. (TX)

XXXX, Experian and XXXX are reporting several inaccuracies with the reporting of address and information from several accounts. First under the consumer protection act 15 USC 1681 e ( b ) Accuracy of Report 15 USC 1681i ( 5 ) Treatment of inaccurate or Unverifiable Information. All of the information should be deleted. I have one address that I want only one address on record which is XXXX XXXX XXXX XXXX, TX XXXX I do not wish to have any telephone numbers on my report. 
Please remove all the addresses off my report, as they are not deliverable to me by the U.S post office, and they are not reportable as per the FCRA since they are inaccurate. 

XXXX XXXX  XXXX, TX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX are fictious at best and are not on a map in the world XXXXXXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX is not my address and I want it removed I have asked several times about all of these inaccuracies to be removed. I have review my credit report across all of the platforms and most of the information is falsely reported and should be removed late payments, amounts owned and dates opened, charged off and open accounts.
Consumer complaint received 2024-04-25
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (FL)

I wanted to purchase a keyboard from a seller on XXXX. 

Due to the shipping cost, seller suggested that I send him the payment of {$85.00} via Zelle and he would ship the keyboard. I did transfer the funds on the XXXX XX/XX/2024, and the seller never shipped the keyboard. 

Seller 's cellphone number : XXXX Seller 's name on the Zelle account : XXXX XXXX I asked Zelle to do refund on the XXXX XX/XX/2024 since the item was never shipped to me, and Zelle suggested that I contact my bank about it, and said they can not do anything about it, neither did they suggest to file scam complain, just nothing. 

I contacted my XXXX XXXX XXXX XX/XX/2024 ( XXXX XXXX XXXX XXXX ) about it. 

A few days later when my wife tried to send me money to my Zelle account, I learned that it was closed from Zelle 's customer support. It was closed without telling me the reason and without telling me about its closure. 

I never received the refund of {$85.00}, nor the keyboard.
Consumer complaint received 2016-05-17
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (TX)

I have a judgment on my credit report that was not file properly after I paid off the judgment. The proper actions were not taken after I paid off the judgment. Even though my land lord gave a written statement that the judgment was paid. Please look into Equifax procedure of removing satisfied judgments