davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: WELLS FARGO & COMPANY (CA)

This is regarding my Well Fargo Bank cash rewards credit card that was opened in XXXX of 2022. Initially everything was smooth sailing until XX/XX/2022 when I made a {$3000.00} payment to XXXX from my XXXX account on XX/XX/2022 This got rejected by my bank due to their banking error which caused a lot of issues with both the XXXX and my bank. I have filed a separate complaint against XXXX bank for the same and the complaint was just closed in my favor. XXXX attached regarding the same below. 
Then again on XX/XX/2022 I made another payment to XXXX for {$3000.00} from Chime bank and that got rejected and returned back to XXXX for the same reason " unauthorized account user ''. Now I need to reiterate that XXXX made this error both times and this is from my own bank account, at XXXX. 
Due to this reason XXXX closed out my cc account on XX/XX/2022 and I have attached their letter below for the reasons that they stated. However the problem with the credit card issuer Wells Fargo Bank is that to date they are refusing to apply my reward points which is around {$1000.00} to my account. These are points that I earned with my own card usage from XXXX to XX/XX/2022. I have called them several times to resolve this and gone into the branch as well. Each time they state that they will do it but never did. They are holding onto my points and not issuing me a check or applying it to my outstanding balance either. It has been almost 120 days since this occurred. I need an immediate resolution to this matter as I plan on paying off this card in full next month and need the {$1000.00} applied to my balance and I will be paying the difference and no more. Need it reported to all credit bureaus as paid off in full when this occurs also. 

Thanks, XXXX XXXX
Consumer complaint received 2018-12-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MO)

I have been trying to get fraudulent inquries off my Equifax report. 

I called chase where the online credit card inquiry was made thru and they help me with acknowledgement of this fraudulent activity. They sent off something to Equifax more then 90 days ago. 

I was told I needed to wait till XX/XX/XXXX to file a complaint about Equifax not doing there due diligence to act accordingly to the CRA laws. 

I have 7 fraudulent activities from XXXX Bank, Equifax refuses to help me with this and told me that I just need to wait till they drop off in the 2 year mark. 

This has made my score drop from this and even though I have done everything to fix this with XXXX bank, Equifax refuses to do what is right. 

I am at my wit 's end and I have a freeze on my Equifax account due to this fraudulent activity. 

Equifax said it is not their job to correct the fraudulent activity, XXXX has done their job by reporting this as fraudulent activity and yet this is still on my credit report. 

I should not need to wait till XXXX for this to be addressed when I have taken steps to correct this and XXXX has also taken steps to help me with this. 

Equifax thinks they don't need to follow the laws and they stated so to me on that last occasion I called them.
Consumer complaint received 2017-11-09
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. (MD)

I had been applying for a home loan, and my lender told me that my credit report showed two credit card accounts with XXXX XXXX, one of which had outstanding payments due since XX/XX/XXXX. I only have one account with XXXX XXXX, so I called XXXX XXXX about the error on XX/XX/XXXX. On that date, I spoke with XXXX, employee XXXX who determined that XXXX XXXX likely opened a duplicate account as both my current, real account and the improper account had the same application date and parameters. XXXX promised to have this information corrected with all three credit bureaus and to send me a letter confirming the same so I could share with my lending bank. An entire MONTH later, I had received no confirmation or return from XXXX XXXX. I called again and spoke to XXXX employee # XXXX who told me that the first agent had never filed the proper paperwork to remove the erroneous account from my credit history with the credit bureaus. She ensured me that she would file the dispute and all necessary paperwork and fax me a letter saying the same. By XX/XX/XXXX, I still had not received a letter or any confirmation or update so I called XXXX XXXX again. This time, I spoke with XXXX employee # XXXX who stated that she could not provide a status update on my account and would have to investigate further. After 5 weeks of delay and XXXX XXXX not correcting its error, I am left with no option but to seek assistance from the XXXX.
Consumer complaint received 2022-10-03
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: SUNCOAST CREDIT UNION (FL)

Apparently someone opened a new checking account fraudulently using my name and social security number. the bank will not provide me with any information and will not close the account unless I complete a fraud package. 

I have a credit freeze with all three major credit bureaus and this bank should not have opened an account and now they are refusing to close it unless I complete their paperwork. 

They also will not disclose any information regarding the account to me and I have no way of knowing if I have been harmed in any way from this fraud. 

The name of the bank is Suncoast Credit Union.
Consumer complaint received 2017-11-09
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Account sold or transferred to another company
Company: STERLING JEWELERS, INC. (MI)

I opened a Jared jewelry credit account on XX/XX/XXXX. At the time Jared required 20 % down on all purchases for a year, I agreed and purchased some items, I called back on XX/XX/XXXX and asked what day would I be able to shop in XX/XX/XXXX without the 20 % down, and this company they have now called XXXX said that I should of never been charged 20 % down in the first place and let her ask her supervisor, so she gets back on the phone and sais, my supervisor said if you have any problems when you go to Jared have them call the authorization dept at XXXX, so I take an hour drive to Jared in  XXXX XXXX XXXX XXXX XXXX Michigan, and the clerk called and told her it ca n't be removed, so I called from the store and got a representative on the line told her I was recording this call for my clarification, and I asked her, to read the notes from my very first phone call to there company on XX/XX/XXXX this is what she said " customer wanted to know if 20 % could be removed spoke to supervisor and told customer it could be removed " I can send you flash drive if you need a copy this is deceptive practices and this report will be forwarded to the federal trade commission.
Consumer complaint received 2017-11-09
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. (NJ)

I recently obtained a copy of my credit report, which contains inaccurate or outdated information reported by your XXXX. in accordance with the Fair Credit Reporting Act, XXXX XXXX section XXXX. 
Account must be deleted from the report as soon as possible : DSNB/MACYS ACCT # XXXX Bank XXXX XXXX ACCT XXXX XXXX Capital XXXX bank USA NA ACCT # XXXX DEPT OF HEALTH AND HUMAN SVC HRSA ACCT # XXXX DSNB/MACYS ACCT # XXXX ENHANCED RECOVERY COMPANY ACCT # XXXX XXXX ACCT # XXXX The following inaccurate information must be removed in order to show my true credit history, as these items should not be on my report. Pursuant to the Fair Credit Reporting Act
Consumer complaint received 2017-11-09
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (CA)

To : Whom It May Concern My name is XXXX XXXX. My recent case number is XXXX, which has been closed. I will like to re-open this case based on new evidence that will help prove my case. I have evidence that the company ( XXXX XXXX ) that may an unlawful withdraw from my checking account is a scam company and I am not the first victim and I wo n't be the last until they are stop. This company is not affiliated with the Better Business Bureau and there has been many complaints to the Better Business Bureau concerning XXXX XXXX. Just as I mentioned before, this company will not answer any more of your phone calls once you find out that they are a scam company and you want to cancel with them. I have more information about this scam company as it relates to other people and the Better Business Bureau.  I saved the link about this company. The information is very informative. This link is included in this complaint. 

Thanks, Yours Truly, XXXX XXXX XXXX XXXXXXXXXXXX
Consumer complaint received 2017-11-09
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC (LA)

I contacted Enhance Recovery Center by mail on XX/XX/XXXX it was picked up on XX/XX/XXXX to validate a debt. They did not provide legitimate proof. XX/XX/XXXX I called and asked a customer service agent how my debt was verified she did not have any information correct on this account that is supposedly mine. I was immediately referred to a supervisor even though I did not ask for one. Once I spoke with said supervisor, she did not provide adequate information either how they proved the debt was mine verified and validated and repeatedly threatened to report it negatively on my credit report if I did not pay. Now, according to the Fair Credit Reporting Act " 807. False or misleading representations '' ( 8 ) Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed " If a consumer makes a timely request for debt validation and a debt collector fails to provide proper validation or does not respond at all, the debt collector may not legally continue to pursue the debt. ''
Consumer complaint received 2023-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I just recently reviewed my credit profile for the first time, as I have never done so before. When I was reviewing my profile, I noticed an account listed on my credit profile which I had no idea whatsoever where it may have come from. I started panicking so I reached out the bank that was listed on my credit profile and tried to inform them of the issue and all the representative told me was to research the FTC and file an FTC report and report it to my local police department which is what I did. The account is from XXXX XXXX XXXX  and for a limit of {$300.00}. The bank closed the account and is reporting this negatively on my credit profile. I would like you to please help me and get this issue resolved and get the fraudulent account Deleted from my credit Profile completely on all 3 Credit Reporting Agencies. I also have Unauthorized Hard Inquiries from the companies listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc (FL)

On XX/XX/XXXX and XX/XX/XXXX I called Chime bank and contacted customer support to inquire about how and when are account reconsidered for their spot me feature. As they are insinuating online {$200.00} are provided to new customers and being that my account opened in XXXX there should be no issues. However they have chosen ti provide me the absolute lowest you can provide a person. Less then one percent allowed from total monthly deposit is a bit offensive. Please see attached!
Consumer complaint received 2017-11-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: U.S. BANCORP (MA)

Called XXXX XXXX XXXX to close my account on XXXX/XXXX/XXXX. I was told this was completed. Credit bureaus were notified of the account closure. Today I received a statement in the mail that I had an open account which they purchased from XXXX XXXX XXXX with a brand new account number. I never opened a new account with Elan Financial Services and my old account with XXXX XXXX XXXX was closed before the accounts were transferred. Opening new accounts for customer 's without authorization is unacceptable and I would like this account to be corrected to reflect the accurate information immediately.
Consumer complaint received 2017-12-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: WELLS FARGO & COMPANY (CA)

This complaint is about a Wells Fargo credit card account. My account was just closed yesterday out of blue. When I called Wells Fargo, I was told it is due to inactivity of 6 months. Funny thing is I found out about the closure when I try to activate a new replacement card of this account that Wells Fargo sent out to me a few days ago. 

The question now is first of all, Wells Fargo has never informed us as customer that the credit card would be closed due to inactivity of 6 months. We as customer wo n't have a chance to make use of the card and keep the account open. Second of all, in fact, this account has been in inactive status for about 12 months. So if they are closing card due to 6 months of inactivity, why are they closing my account now at 12 months? And why are they even sending out the replacement card for this account? 

This closure without any notice is definitely going to hurt my credit score, as it shortens  my average credit history and my available total credit line.
Consumer complaint received 2017-11-08
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY (NJ)

I opened 4 accounts for my children ( XXXX ) with XXXX XXXX which sold to Wachovia which then sold to Wellsfargo. Somewhere along the way, Wellsfargo lost the account. I have requested information over and over again and Wellsfargo can not find this one account. They have located 3 of the 4 accounts. I went to the branch in XXXX XXXX and was told the information was not in their records. How can a bank lost an account. It 's not about the money ( A little over {$200.00} ). It  's about principle and trust. I was told to go and see if I could find the account, then they would be able to assist. This is terrible. The account was last access in XXXX 2006 while I was in XXXX XXXX, South Carolina when my son was in boot camp
Consumer complaint received 2017-11-08
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: Rocket Mortgage, LLC (NJ)

I did not authorize hard inquiries on my account affecting my credit score.

This company keeps pulling my credit score for no reason. 

XXXX XXXX XXXX, IA XXXX ( XXXX ) XXXX I did not give them permission at all. 

Quicken Loan XXXX, MI XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-11-08
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: WELLS FARGO & COMPANY (NJ)

I did not authorize hard inquiries on my account affecting my credit score.
This company keeps pulling my credit score for no reason. 

XXXX XXXX XXXX, IA XXXX ( XXXX ) XXXX I did not give them permission at all. 

XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-11-08
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: WELLS FARGO & COMPANY (CO)

XXXX XXXX noticed unauthorized charges to Wells Fargo account. I called local police and have incident number. Officer 's report state account was closed in XXXX. I was told WELLS FARGO would take care of matters relating to this 8 year late notification with my name and incorrect address. I do not know this ID THIEF. 

Wells Fargo did nothing to help me. I never received any mail regarding unauthorized use of my name/ssn/address. The IDENTITY thief 's name was on all my credit reports with current debt collection agencies attempting to collect in my name. I 'm too old for XXXX nonsense. 

Wells Fargo did not follow legal procedures for additional account holders. No verification of ID or signature or presence in the bank. I would never authorize this thief. He continues to use my information which I 'm trying to clear from my credit reports. 
Wells Fargo took care of itself. Not the customer. I closed my account with them yesterday. Goodbye to them. Additionally, we called XXXX XXXX to place a fraud alert for XXXX XXXX and XXXX XXXX XXXX  Wells Fargo did not block them and we can not access them online or phone, long wait times and we do n't have accounts. XXXX XXXX transferred us to Wells Fargo Fraud, transferred us to Fraud Detection, THEY WERE THE RUDEST people we have had to consult with to resolve this matter. 

Additionally I have identity fraud for XXXX, XXXX and XXXX XXXX XXXX on my credit cards. Do these companies report to Credit bureaus? WELLS FARGO says I 'm guilty when they have no proof when I ask them to reverse the charges. I do n't have time for XXXX or XXXX. We notified the police about the skimmers at XXXX XXXX XXXX XXXX on XXXX XXXX and XXXX XXXX, XXXX, CO. 

Something has to be done about these XXXX. This is very time consuming and disruptive to me and my family and work.
Consumer complaint received 2017-11-08
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: EQUIFAX, INC. (TX)

Good Afternoon, I am in desperate need of help with inaccurate information being reported on my credit report by all three credit bureau 's. There are two collection accounts that are causing me difficulty with my career. I currently hold a security clearance and am in jeopardy of losing it, because of inaccurate reporting 's by Equifax, XXXXn, and XXXX. One is XXXX XXXX XXXX XXXX, and the other is XXXX XXXX. 

I recently reviewed my credit reports and found that there were two collections accounts. One with a company called XXXX XXXX XXXX XXXX in the amount of {$4000.00}. This was due to them buying an account from XXXX XXXX ( Apartments ) who claimed that I owed this amount for breaking a lease. I explained to both, The Credit Bureau, and XXXX XXXX XXXX that I am a US Soldier, and I am called to deploy at anytime. In the Lease Agreement there is a military clause that exempts me from the lease if called on duty. I notified XXXX XXXX in writing before deploying that I would be leaving and reminded them of the clause that was in the lease. They seemed to be ok with me having to leave and never said anything to me about monies owed. It was n't until I returned from deployment that I began receiving phone calls from this XXXX XXXX XXXX, stating that I now owe Them the balance of {$4000.00}. I have never signed any contract with This company and I do n't owe them any money. I explained this to all three of the credit bureau 's and they simply say the debt has been verified.
Consumer complaint received 2023-02-12
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. (CA)

I reviewed my consumer report and saw unauthorized inquiries : XXXX ( XX/XX/2021 ) XXXX XXXX XXXX ( XX/XX/2021 ) XXXX XXXX  ( XX/XX/2021 ) I request to have these removed from my consumer report.
Consumer complaint received 2017-11-08
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: CITIBANK, N.A. (VA)

On XX/XX/XXXX my Citi Card was physically stolen from my car and used to make an unauthorized purchase at a local XXXX store of {$990.00} the same day ( XX/XX/XXXX ). I promptly notified Citi that the card had been stolen and disputed the {$990.00} charge as fraudulent. I also filed a police report with the local police department ( XXXX County ). Citi closed the card down and after some delay issued a {$990.00} credit while they investigated the incident. 

During the first week of XXXX I was contacted by a Citi representative who inquired about charges made at the same XXXX in XX/XX/XXXX. This was of course long before my card was stolen and as such I told them the charges from XX/XX/XXXX were fine. The {$990.00} charge from XX/XX/XXXX was the only charge I was disputing, since that was the charge made with my card after it was stolen. 

Following this conversation I was stunned to receive a notice from Citi dated XX/XX/XXXX, which asserted that I had dropped my dispute and agreed to the XX/XX/XXXX charge of {$990.00}. That was a categorically false statement - at no time did I ever accept that charge. They appear to have used my acceptance of the unrelated XX/XX/XXXX charges as an excuse to drop the dispute of the XX/XX/XXXX charge. In fact they have re-applied the {$990.00} charge to my bill, wiping out the prior credit. 

I have since called Citi numerous times to no avail. I have been told by a representative that they would investigate the issue and call me back 'in two or three days. ' Ten days later, no call. I have been told twice that a credit was in the process of being made. My XX/XX/XXXX bill has now arrived, with a {$990.00} charge but no credit - and no way dispute the charge due to how Citi categorized it. Citi simply refused to resolve this issue properly.