davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-03
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (CA)

ON XXXX XXXX I RECEIVED AN EMAIL FROM " XXXXXXXX XXXX '' STATING I WAS CHARGED {$350.00} FOR SERVICE AND THAT IF I DIDNT WANT THE SERVICE TO CALL XXXX. I CALLED THE NUMBER AND " XXXX XXXX '' TOLD ME HE NEEDED TO ACCESS MY ACCOUNT THROUGH MY COMPUTER. HE THEN SHOWED ME A SMALL BLACK SCREEN TO TYPE MY NAME AND THE AMOUNT OF {$350.00}. HE OBSOLETED THE DECIMAL LEAVING AN AMOUNT OF {$35000.00}. HE TOLD ME HE MADE AN ERROR AND REFUNDED ME {$35000.00} INSTEAD OF {$350.00} AND THAT I NEEDED TO GO TO THE BANK IMMEDIATLY TO WIRE THE MONEY BACK. HE COACHED ME TO SAY " THAT HE WAS A FAMILY FRIEND ''. XXXX XXXX XXXX FROM WELLS FARGO ASSISTED ME. HE ONLY ASKED " ONE '' QUESTION ... '' DO YOU KNOW THIS PERSON? '' HE NEVER PULLED MY XXXX OF BANKING WITH WELLS FARGO HISTORY TO SEE THAT IVE NEVER MADE THESE TRANSACTIONS IN THE PAST. I WAS OBVIOUSLY IN DISTRESS AND HE FAILED TO PROTECT MY ACCOUNT. THE WIRE TRANSFER OF {$34000.00} WAS INITIATED WITHOUT EXTENSIVE VERIFICATION. XXXX XXXX TAKEN THE EXTRA STEP AND ASKED TO PHONE A FAMILY MEMBER. I WENT BACK HOME WHERE XXXX XXXX PHONED ME AGAIN. HE TOLD ME " NOT '' TO ACCESS MY COMPUTER OR BANK AT ALL OTHERWISE I WOULD LOSE ALL MY MONEY. AROUND XXXX I CALLED MY DAUGHTER TO TELL HER WHAT HAPPENED. SHE IMMEDIATLY BECAME DISTRESSED AND RUSHED TO MY HOUSE. WHEN SHE GOT THERE I WAS ON THE PHONE WITH XXXX AND HE TOLD HER THE SAME, NOT TO DO ANYTHING. SHE KNEW THIS WAS A SCAM. WE CALLED WELLS FARGO XXXX XXXX AND FILED A CLAIM. XXXX FROM WELLS FARGO CLOSED MY ACCOUNTS AND OPENED A CASE REGARDING THIS MATTER. WELLS FARGO HAS FAILED TO RETURN MY MONEY. I AM A RETIRED WIDOW OF AN XXXX VET AND THIS WAS MY LIFE SAVINGS. THIS IS ELDER FINANCIAL EXPLOITATION. THIS IS ELDER ABUSE AND HAS CAUSED EXTREME XXXX AND ANXIETY. I DONT FEEL SAFE OR SECURE BANKING WITH WELLS FARGO. IVE SPOKEN TO A PREVIOUS " XXXX XXXXXXXX '' EMPLOYEE OF WELLS FARGO AND SHE TOLD ME PROTOCAL WAS " NOT '' FOLLOWED TO PROTECT ITS CUSTOMER. IVE ALSO SPOKEN WITH A TRAINER OF WELLS FARGO AND HE HAS TOLD ME THAT PROTOCAL WAS " NOT '' FOLLOWED TO PROTECT THEIR ELDER CUSTOMERS. WELLS FARGO IS INSURED TO SEND MY MONEY BACK.
Consumer complaint received 2023-03-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc (TX)

On XX/XX/XXXX I received an email from who I thought was a Chime Representative. However, it looked like a Spam account so I reached out to Chime in an effort to verify. I was informed that Chime would send out emails from support@chime.com and the email I received was not credible. I ignored the other email and on XX/XX/XXXX my account was locked. I contacted Chime once again and provided my Driver 's License, Water Bill and a Pay Stub. However, my account is still locked at this moment and I don't have access to my money. There is {$30000.00} in this account. Ive contacted Chime several more times via phone with no resolution. I've used this account since XXXX as a savings/emergency fund account and now they have locked it and taken away all my savings. This is theft.
Consumer complaint received 2023-01-30
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. (VA)

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my Federally protected consumer rights to privacy and confidentiality under 15 USC 1981. Account # XXXX, XXXX, Account # XXXX, XXXX. Account # XXXX, XXXX. Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX 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 instruct. 15 U.S.C 1681 c. ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the repent more than seven years. 15 U.S.C. 1681-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-04-25
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: PNC Bank N.A. (IL)

my account was hacked PNC, in XXXX, I was contacted by phone that my payments was not received. I contacted the bank and was informed that I had submitted a claim on-line I informed them that I never requested anything. I have been trying to get this resolved. But however, the Bank keeps sending My money to the Merchants and taking my money from the account. They asked for proof that I paid out of pocket. I have sent them a copy, and they still keep refusing to return money back in my account. I keep filing disputes for them to return my money but have not received anything. This is my last resort to file with this company. I am so exhausted and tired of fighting to get my money back from PNC. please help me with the Issues XXXX and PNC Bank. They keep reversing the provisional credits and accessing me overdraft and sending my money back to the Merchants. Refuse to speak with me and informing the representative what to tell me. I have not gotten a call or nothing, I have requested someone from that department call me, I am still waiting.
Consumer complaint received 2022-08-03
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: JPMORGAN CHASE & CO. (GA)

My credit report from XXXX is showing I have debt of a credit card that I owe to JPMCB and a balance of {$7200.00} Opened on XX/XX/XXXX, with is fraud and also showing late payments. XXXX is reporting Merchants Adjustments showing I owe {$580.00} Opened on XX/XX/XXXX, which is fraud.
Consumer complaint received 2023-02-01
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. (GA)

In accordance with FCRA ( fair credit reporting act ) XXXX XXXX XXXX account # XXXX, has violated my rights. 
15 U.S.Code 1681 Section 602 A. states that I have the right to privacy.

Along with 15 U.S Code 1681 Section 604 A section 2, states that a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-04-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. ()

I am trying to get my free annual credit report so that I can apply for a home loan. Using XXXX  : XXXX returns an error for all three credit score providers. 

I am a U.S. citizen that has been living abroad for almost 10 years. I will soon move back to the U.S. and need a credit report so I can apply for a home loan. During that time I have always maintained U.S. bank accounts and used U.S. credit cards. I should have maintained an active credit score during this time. When using the annual credit report website, you are required to submit a U.S. address and phone number. I have neither as I have been living abroad. To attempt to retrieve my credit score I used my last mailing address from 2012 and my old U.S. phone number ( to which I no longer have access ). I am unable to provide my current, foreign address and number to the website. 

Requesting the free report from any report provider returns an error on the website with no information on how to successfully retrieve my report. I have attempted calling customer support for XXXX, Equifax and XXXX, none of their support lines were able to assist me in obtaining the free credit report. 

The credit report process is totally broken for U.S. expats attempting to retrieve a credit report while living abroad. I am blocked form applying for a home loan until this issue is resolved. I just want a credit report from any/all of the credit score providers.
Consumer complaint received 2023-03-20
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (MA)

I went to Homedepot in XXXX MA XXXX purchase some granite Countertops for my Kitchen. I was offered to finance the granite countertops at a promotion of 24 month interest free, the granite was purchased with a Home depot credit card provided by Citibank I was never given any paperwork since the transaction went through as a regular creditcard transaction and they asked me to sign the key pad and the lady at Home depot didnt read any terms of the transaction. I accepted the promotion but was not told that after the 24 months promtion ended I would have to pay the interest generated during the 24 month promotion period. 
the bank didn't fullfill their promotion and only gave me six months interest free. I called the bank and asked why did they changed from 24 months interest free to six months. the bank said it was a mistake and said they would fulfill the promotion to 18 months. I explained to the bank that they had offered me 24 months interest free at Homedepot. they said that they could only do 18 month and they never mentioned anythying about the interest it would generate at the end of the Promotion. In XXXX of 2023 I noticed there was $ XXXX of interest to the balance. I called the bank and tried to reason with them about the interest added. their response was that the promotion was over and that the interest was generated througth the 18 months. i explained that they offered me 24 month interest free at the store. and that the interest was never mentioned to me. the bank said that they could not extend the promotion because they had already extended from XXXX months to 18 months interest free. Citibank did not honor the promotion. i offere to keep paying the balance which was aproximately $ XXXX if they removed the {$1100.00} added to my balance I have always made payment and have always made payments exceeding the minimun that citibank would require monthly.I decided to cancel the credit card and have stopped making payments until they remove the interest that they added. my promotion has not reached the 24 month interest free that was offered to me and I was never told that the account would generate interest throughout the promion period, why did the offer me 24 months interest free if the account generates interest and that interest is added to the account. that is mileading. at the moment I am barely making ends meet and connot afford that extra {$1100.00} in interest. i can keep paying the original ballance if they remove the {$1100.00} interest plus the fees that the acount has generated up to present day. 

please help
Consumer complaint received 2022-08-24
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: KINGS CREDIT SERVICES (CA)

This company continues to be deceptive and invade my privacy. They are reporting and damaging my credit, they communicated with me several times in regard to a alleged debt. I have expressed to them, I dispute this alleged debt. Ive called and put in complaints to the CFPB, as well as the XXXX Within the XXXX they state I owe this alleged debt. Which is false and misleading. As well as obscene and profane language. Ive asked for ALL accounting, and documents related to this alleged debt. They sent me some invoices from some other company as well as a blank paper with some times and dates " that claim they called in regards to this alleged debt. They we not looking for location information from their supposed notes. These look to be repeated harassing calls in connection with a alleged debt. Further violating my rights as consumer and violating my privacy. I don't know how they received my personal information to even contact me. I have never consented to do any business with Kings Credit Service nor have them invade my unalienable right to privacy. I have given there company several laws they have broken as well as spoke to their Attorney XXXX XXXX. He was suppose to be getting back to me, with ALL information I have requested. The File labeled XXXX XXXX is the supposed verification and validation, they claim they have given me. There is no forward flow agreement or bill of assignment, if this is my alleged debt and they have any rights to collect. The amount they are alleging I owe is a positive amount. This we be my last act in good faith to resolve this matter.
Consumer complaint received 2022-08-03
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. (GA)

I have been dealing with Equifax for 2 years trying to have inquiries removed from my credit report. I have sent in requested documents ( Police report ) in to the company over a number of Six times. I constantly call in and I am told it will be removed in it will take up to 30 days to had it done. Times goes by and I reach out to them and I am out through the exact tactics again and again. I have a right to have items that dont belong to me removed from my report. They will not Apply with my request. I am starting to think this a XXXX issue. And I will not stop until this completed.
Consumer complaint received 2022-07-05
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. (NY)

In accordance with the Fair Credit Reporting act XX/XX/XXXXXXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XXXX ACCT 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 2022-06-22
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. (HI)

The Chase United Airlines Explorer card is offered with incentives that frequently change. My wife I and each chose {$250.00} credit + XXXX miles if we each spent {$3000.00} in 3 months. We did. Chase only gave us {$250.00} credit but only XXXX miles. Chase has refused to provide the additional miles even though I have a screen shot of the XXXX miles incentive.
Consumer complaint received 2022-12-30
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (PA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.
Consumer complaint received 2022-02-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (VA)

On XX/XX/2022, I sent a dispute to the 3 credit bureaus and they have not responded with any dispute updates and has NOT provided notice of dispute either which is a violation of the of 15 US Code 1681s-2 ( 3 ). Failure to provide notice of dispute.

also Under the FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ) you must delete the inaccurate or incomplete unverified within 30 days.
Consumer complaint received 2018-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (SC)

This is a complaint against Equifax for not accurately reporting on-time payments. There are several accounts ... 

XXXX XXXX - haven't reported since XX/XX/XXXX XXXX XXXX XXXX - XXXX, not reporting to my credit report at all even though it's reporting to every other bureau, this is severely affecting my credit score. While I'm an authorized user, I pay that bill and have been the sole reason for the positive credit history. 

XXXX XXXX - not accurately reporting since XX/XX/XXXX XXXX XXXX - not accurately reporting XXXX XXXX XXXX XXXX XXXX - Not reporting XXXX All of these delays affect positive credit score reporting. As I am applying for a mortgage the age of these accounts plays a huge role in my ability to get financing. Further the lack of reporting an entire account ( XXXX XXXX XXXX ending XXXX ) severely hurts my Equifax score.
Consumer complaint received 2023-02-01
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (MA)

My account was set-up where I could not overdraft funds ; any transactions were to be declined due to insufficient funds. Somehow my account went negative, and I called multiple times. Wells Fargo advised that the overdraft fees should not have been incurred, and that in XXXX business days the money would be reimbursed back to my account ; however, they continued to charge a XXXX overdraft fee while they were correcting their error. They could not correct their mistake and continue to harass me for money for the account that is no longer in use. There are recorded calls with Wells Fargo where they are advising that I need to wait and money would be back in my account, and then the following days, weeks, etc. they continue to charge me fees for a negative account, but only due to their mistake.
Consumer complaint received 2023-03-20
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: EQUIFAX, INC. (TX)

A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back. 

I would like the items I disputed in my letters to be handled accordingly based on the reasons that I put in my letters.
Consumer complaint received 2017-09-26
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (MN)

I opened a line of Credit at Macy 's department stores. I had set up direct payment of the full balance every month from my checking account into the Macy 's department credit account to pay it off every month. I was not knowledgeable that I was also enrolled in the credit protection services provided by CITI bank. However, when I tried to use the services of this program and submitted the proper paperwork I was denied the benefits. I called many times to cancel the benefits, and yet they still appeared on my account.
The total experience I have had with this matter has resulted in me losing many deserved credit related opportunities, has cost me thousands of dollars in trying to fix this account, and no reprimand or understanding from either party. I still have a debt collected over my head and on my credit report that I constantly have to battle everyday since.
Consumer complaint received 2023-02-01
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (FL)

I had been a customer with Wells Fargo for several years starting after 2009. Throughout the years I was charged overdraft fees when I had the funds in the account. I finally decided to close all accounts associated with Wells Fargo due to this happening so many times. This caused me to lose money and to miss work to straighten this out. I went in each time to branch managers to take the fees off and they never did. 

When I decided to close the account, the bank continuously blew me off and said due to covid they could not help me close my account. I was told to make an appointment at my local branch finally ( XXXX, FL ) and they then refused my appointment and stated they had too many appointments scheduled. It was a terrible and exhausting experience to deal with this company.
Consumer complaint received 2020-01-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MN)

The following accounts and credit inquiries listed on my XXXX, Equifax and XXXX XXXX credit report are fraudulent and unauthorized accounts and credit inquiries : XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX, XX/XX/XXXX and XXXX XXXX XXXX. They accounts and credit inquiries are all fraudulent.