davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-09-04
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Comerica (MA)

I receive my SSI benefits on a XXXX XXXX Master Card ( this is the card Social Security suggests ). On XX/XX/2018 {$1700.00} was wire transferred off my card. I contacted XXXX XXXX XXXX Fraud Dept and they had me fill out a questionnaire and cancelled my card to start an investigation. I was told {$1700.00} was wire transferred off my card. A new card was issued. On XX/XX/2018 I was contacted that {$1000.00} was put back on my card. When I asked why the original amount of {$1700.00} was not put back, no one could answer me. I immediately went to withdraw my money but could not. I called XXXX XXXX again and was told {$1000.00} was wire transferred off my card. Again, XXXX XXXX cancelled my card and had me fill out another questionnaire. I have repeatedly asked XXXX XXXX to mail me a check for the {$1700.00} which they refuse to do. They said they will start another investigation for {$700.00}. I asked why it keeps going down and again, no one seems to know. I explained that there are over 150 complaints against XXXX XXXX for money being wire or bank transferred from their cards. I reiterated that there is apparently a huge issue with my account and would like a check mailed. XXXX XXXX refuses to send a check. I am still without my {$1700.00}
Consumer complaint received 2022-04-15
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. (NC)

i would like for equifax to remove all of my XXXX XXXX XXXX XXXX accounts. the accounts seem to be showing balance increases when they should be showing balance decreases on the credit reports through the credit bureaus.
Consumer complaint received 2019-04-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (TX)

I recently received a new debit card in the mail from Wells Fargo ( XX/XX/XXXX ) with request to inactivate the old card. Reason was suspicious activity on the old card. Literature with card states " wont affect linked accounts. '' ( see bullet point 3 under " why a new card '' ) on WF scanned document. 

( XXXX ) I found out that is not true by one of your bankers ( call- XXXX hrs ) and I need to notify all accounts. That delay in accurate information could affect my credit score and relationships with those accounts on the old card. 
Further I requested What suspicious activity led to the of inactivation of the old account in a previous call and I was told that information cant be released which I believe is a violation of the Fair Credit Act. None of this on Wells Fargo behalf is in the customers best interest. 

Lastly when I called in to change the card I received a robocall for dish network and I was caught in a loop wanting me to connect to XXXX even though I kept replying in the call that I did not want to connect. 
With all the legal issues that Wells Fargo faces, it would seem that Wells Fargo would attempt to get their processes in order and do what is the best interest of the client, that does not seem true.
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. (FL)

In accordance with the Fair credit report act XXXX XXXX XXXX account number XXXX XXXX XXXX XXXX has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2021-03-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (MA)

I had XXXX credit card with annual fee {$99.00} per year. I never used the card almost whole year. In XX/XX/2021 I received an email from them that {$99.00} annual fee is due. I called them to cancel the card and requested them to remove the fees. They cancelled the card. Next week I received the email that {$99.00} is due. I called them again. They told me that I was one day late and I have to pay {$99.00} and they will not remove this fees. I asked them why did not you told me when I called to cancel the card. There was no answer. I told them I will not pay {$99.00} when I am not using this card and card has been cancelled. 

Now I am receiving regular emails from them to pay {$99.00} for a card which is cancelled.
Consumer complaint received 2017-09-26
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (NJ)

To The CFPB, Paypal illegally took back and placed on " hold '' a payment made by XXXX " XXXX ''. This is the second time she 's filed false claims about me to PayPal. I have provide full irrefutable proof that " XXXX '' is lying and PayPal continues to keep my money on " hold ''. This letter I 'm providing to the CFPB explains this situation in detail. Paypal should be held responsbile for this action and liable for any charges I incur for their stealing this money from me and placing it on " hold ''. 

Paypal You ca n't " hold '' my account based on XXXX 's false claims. You records will show that this is the 2nd time she ordered services and then demanded a refund after receiving the services. The last time she did this I refunded to her. She sent the money back to me and then contacted Paypal telling them that I did n't send the money. Your records will show that I did send her that money. I sent that money the last time because I was recovering from an auto accident and could n't help her. 

Now let 's talk about this present complaint which is the 2nd time XXXX has fabricated false claims against me. In this case she willfully chose a 3 services discounted offer where she has received 90 % of that offer. There 's no way she can hold the amount she paid as she 's already received the services. All that was left was the phone consultation which I offered this Wednesday.XXXX was angry that the XXXX XXXX advised her to be patient and work on herself before considering dating. XXXX also got mad at this and attempted to cancel this offer which ca n't be done. I told XXXX that I am available for the final {$10.00} ( not {$15.00} as she paid {$10.00} ( discount ) for the Phone consultation ). She did not pay {$15.00} and can not demand {$15.00} as she 's demanding. 

This is an XXXX XXXX service. Everyone knows that. It 's XXXX who gave the questions. I just read what the cards say. Everyone knows this. XXXX did not like the answers the XXXX gave. Her XXXX XXXX took me about 4 hours to do. With in 20 minutes of receiving her XXXX XXXX ( which takes at least XXXX to listen to and more hours to obey what the chart tells a person to do in their life ) XXXX was complaining. 

The work has already been done. She ca n't order the work, receive the work and then damage my income or my name with totally false claims. The only fee left is {$10.00} ( phone consultation ) not. XXXX  didnot pay {$15.00} for this phone consultation. She paid the discounted fee of " {$10.00} ''. I told her this is available whenever she 's ready. I did nothing wrong and am entitled to the full {$40.00} minus the PayPal fee.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair credit report act XXXX XXXX XXXX account number XXXX XXXX XXXX XXXX has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2019-09-18
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 — Their investigation did not fix an error on your report
Company: SYNCHRONY FINANCIAL (MA)

on XX/XX/XXXX I received a response from synchrony bank saying that they were going to tell the credit bureaus to delete some inquiries that are being reported on my credit report. There were XXXX inquiries in total and only XXXX have been deleted. XXXX and a half months have gone by and XXXX of the inquiries are still being reported, they are SYNCB/TJX DC from XX/XX/XXXX, XXXX from XX/XX/XXXX and XXXX XX/XX/XXXX. Please help me get this resolved fast and thank you in advanced. I have included synchrony bank response.
Consumer complaint received 2022-09-21
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)

This is my XXXX Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act XXXX XXXX ( a ) you are require to remove/block any items 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 are not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX, XXXX, I ; XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ; XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX  XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022.
Consumer complaint received 2021-03-17
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: FC HoldCo LLC (CA)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2019-04-07
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: CITIBANK, N.A. (PA)

On XX/XX/2019. I paid off my XXXX credit card. I had a {$1500.00} credit limit. I used {$520.00} of that credit and paid it off again on XX/XX/XXXX. On XX/XX/XXXX I checked my credit limit and noticed it was decreased to {$300.00} and I owe a balance of {$7.00}. I called the credit card company and they told me they had the right to decrease my credit limit even though I had never been late or missed any payments. To this day I have never received a letter from XXXX explaining why they decreased my credit limit. I was only told that they follow fico scores and my fico score had decreased. They used XXXX. I checked my credit report and there is nothing new or damaging. My only late payments were almost 2 years ago from my old auto loan. I have done nothing wrong but pay off my card twice in one year.
Consumer complaint received 2019-09-18
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. (PA)

XXXX XXXX XXXX is reporting that on XX/XX/2018, XX/XX/2018, & XX/XX/2018 I applied for credit. This inquiry was not done with my authorization. I have contacted the company and asked for an investigation into the matter but have yet to receive a response.
Consumer complaint received 2021-03-17
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)

I have reached out the Equifax multipole time over 2 years to fix error in my credit report. other companies like Experian fixed it right away but for some reason Equifax refuses to provide any proof the accounts are opened by myself. 
here are the accounts that are NOT mine Date : XX/XX/XXXX Bank : XXXX XXXX XXXX Amount:XXXX Date:XXXX  Bank : Comenity bank/ Anntyl Amount : {$920.00} Date : XX/XX/XXXX Bank : XXXX Amount : {$4900.00} Date : XX/XX/XXXX Bank XXXX XXXX XXXX XXXXXXXX Amount : {$6300.00}
Consumer complaint received 2019-04-06
Product: Credit card or prepaid card — Payroll card
Issue: Trouble using the card — Problem with a check written from your prepaid card account
Company: First Data Corporation (VA)

On XX/XX/XXXX, I receive a call that displayed as from XXXX XXXX XXXX. The caller identified himself as from XXXX XXXX XXXX. He explained that my card was showing suspicious activity and wanted to know if I had lost my card. I told him no it was still in my possession. He said he needed to put a stop on my account and would issue me a new card. He needed to confirm my pin and would send out a new card within 24 hours. 
After the conversation, I immediately called back the number that had called me and I received the XXXX XXXX XXXX recording, so I felt the call was legitimate. 
The next morning I received a notification that my account had dropped below {$20.00}. I immediately logged onto my account and found that {$500.00} had been removed from my account via ATM in XXXX, Florida. 
I immediately called to report what happened and was told I would receive paperwork to complete in 3-5 days. On the 5th day I called to ask why I had not received the paperwork and was told I had not given them enough time. I went out of town the following week and when I returned I had the paperwork but the deadline to return it had passed. So when I contacted them back they said my claim was denied, so I appealed, with a appeal letter and all the information they requested. I the called to make sure they received everything. They did. I was told it would take 45-90 days for an investigation and for me to call back for updates. I called back about once a month, and each time I was told The was nothing to report, call back. After the 90 days I started calling more often. Every time I was told there was no updates they was sending an message to the appeal department and call back in 72 hrs. I have been doing this since XX/XX/XXXX. When I called in XX/XX/XXXX I was told they had been trying to contact me for a week, calling everyday. I had received no calls and had no messages. Now I was told to hang up and wait for them to call and make sure i answered. I made sure they had the phone number correct. I waited 5 more days and called back. When they looked me up this time I was put on hold then told I needed to fax my letter of appeal and information in again. You can imagine my response and I ask them to repeat because they are hard to understand and I thought I had heard wrong. No they said they did not have my information. I ask them why it took 6 months for them to tell me that and they said they couldnt tell me, they just didnt. 

This is a card provided to me by my employer and my paycheck is deposited by weekly. It is a visa and is used every where. 
I have refaxed all the information again Saturday XX/XX/XXXX.
Consumer complaint received 2022-08-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: PRESTIGE FINANCIAL SERVICES INC (TX)

Hello, XX/XX/XXXX, XXXX reported a late payment. For Prestige financial. Which this is a charge off. The amount of {$11000.00} is not correct. Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX. Phone number XXXX. My score drop XXXX points. They are reporting to XXXX and XXXX as well.
Consumer complaint received 2021-01-16
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. (VA)

Deceptive Act / Practice - I received a credit offer in the mail and email ( XX/XX/XXXX ) from Chase for Marriott Bonvoy Boundless Card with a headline indicating " Earn 3 free nights '', " 10X Total Point '', and " Platinum Status through XX/XX/XXXX ''. On XX/XX/XXXX I applied for the offer by clicking the link within the email. After my account was approved and I received the card and terms in the mail, it did not include any of the headline items indicated in the offer. I called to file a complaint with Chase customer service on XX/XX/XXXX. I called twice on XX/XX/XXXX to check on the status of the request. The first time, I was just transferred by the representative to a Marriott Reservation line. I called back again and asked to be connected to the escalation department. I was informed by the escalation department that my request was denied since I did not apply for the right offer. I have a copy of the mail and email offer including the link I used to apply. I also have evidence in my browser history of the link I used to apply and it matches the link in the email. 

The only reason I applied for the offer was due to the headline terms indicated. Chase 's action are totally deceptive and unfair. Also, it does not look like Chase took appropriate action to fully investigate the complaint.
Consumer complaint received 2022-08-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO. (PA)

I applied to CHASE CARD SERVICES and they have committed adverse action against me by denying me credit based off of my income as well as my history of use of credit. I was discriminated against by CHASE CARD SERVICES. They utilized my credit without my authorized use in order to communicate with 3rd parties. I exercised my right to credit in good faith and was denied. This is a violation of my rights as a consumer pursuant to the Equal Opportunity Credit Act codified in 15 USC 1691c, 15 USC 1692K, 15 USC 1691, 15 USC 1642, USC 1681M, 12 CFR 1002, 15 USC1681N, 15 USC 1681O, 15 USC 1602F, 15 USC 1602G, 15 USC 1602L, 15 USC 1602P, 15 USC 1691A3.
Consumer complaint received 2022-08-11
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. (CT)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-08-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I DO NOT CONSENT TO, AUTHORIZE NOR BENEFIT FROM THESE ALLEGED FRAUDULENT ACCOUNT. BLOCK AND REMOVE THEM 15 usc 1681c-2 Pursuant to the fair credit reporting act. I DID NOT MAKE THIS IN ERROR I AM THE CONSUMER AND I DID NOT RECEIVE AND GOODS AND SERVICES FROM THESE CONSUMER CREDIT TRANSACTIONS I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2019-04-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMCOL Systems, Inc. (TX)

FCRA states information reporting has to be 100 % verifiable and 100 % accurate otherwise the information must be removed under federal law. XXXX has been reporting unverifiable and inaccurate information on my credit which has damaged my credit. I intend to litigate if they do no remove this file from my credit report. I request for them to provide the written contract and physical documentation to support the information they are reporting on my credit report via the CFPB portal. Do not send screenshots. Do not send medical statements. Send my actual signature on a contract. As this debt is Not mine.
Consumer complaint received 2022-01-04
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. (NY)

Both Experian and XXXX are IGNORING my letter for more than A YEAR! when I ask them to VERIFY and VALIDATE an OLD account with an ALLEGED LATE PAYMENT that was verified as NOT TRUE with the creditor XXXX  XXXX. the LAST VERIFIED date on the credit report still shows XX/XX/XXXX!!! or XXXX!!! 
I've attached copies of the latest letters that were IGNORED by BOTH! 
Also, I requested information from the original creditor XXXX about the charge off and never got anything from them