davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-18
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (UT)

My checking account was hacked and {$400.00} was sent through XXXX in an unauthorized transaction. I notified Wells Fargo right away and were told that I was lucky it was only {$400.00} because people are losing thousands through XXXX scams. The bank started an investigation and sent us the attached letter saying their records indicated that I initiated the transfer but they would notify XXXX of the scam. I have never sent money through XXXX and my phone number is not authorized to do so. They have no answer for me as to why they acknowledged it was a scam, but are saying my account is not protected from fraudulent unauthorized online transactions. They also suggested that I call the persons number and ask for my money back since neither financial institution is responsible for crediting me the money back. I have tried to work this out with Wells Fargo to no avail and will be contacting our news stations investigative reports because this is happening a lot in our area and the banks are not being very helpful.
Consumer complaint received 2022-09-18
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: CITIBANK, N.A. (MS)

After numerous problems using the credit card, I am now unable to use rewards Citi promised me for using its card. I receive the following message when I attempt to use the awards after logging into my account : You must be the XXXX Account member generally the Citi primary cardmember or primary signer on the enrolled Citibank checking account to access the associated XXXX XXXX Account from this website. XXXX Account membership and Points redemption are subject to applicable Terms & Conditions. 

I chatted with Citi customer service after being on hold for XXXX minutes. They told me they couldn't help me.
Consumer complaint received 2022-09-18
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. (OH)

There are fraudulent inquiries on my credit report. Please remove them. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-07-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: SYNCHRONY FINANCIAL (SC)

I PURCHASED XXXX XXXX XXXX XXXX XXXX FROM XXXX XXXX XXXX XXXX XXXX XXXX IN XXXX OF THIS YEAR. THEY OFFERED SEVERAL FINANCE OPTIONS ; I SELECTED THE ONE THAT REQUIRED PAYMENTS OF 1.25 % OF PURCHASE PRICE AT A REDUCED 9.99 % APR UNTIL PAID IN FULL. 
THIS FINANCING WAS PROVIDED BY SYNCHRONY FINANCIAL " XXXX XXXX '', XXXX XXXX XXXX, XXXX, FL XXXX. 

I HAVE 2 ACCOUNTS : XXXX XXXX XXXX XXXX AND XXXX XXXX XXXX XXXX THE PROBLEM IS THAT DESPITE RECEIVING EMAILS, I HAVE NOT RECEIVED ANY PAPER BILLS. THEY CAN NOT BE CONTACTED BY PHONE OR ONLINE.

I HAVE ALREADY BEEN ACCESSED A LATE FEE ON ONE ACCOUNT. 

I WANT TO RECEIVE PAPER BILLS!
Consumer complaint received 2021-07-20
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL (FL)

Greetings, I filed a fraudulent dispute since last year and early this year again and both times they have denied my claims without any response to my claim or explanation. I am so tired trying to fix this issue with this company, my line of credit was XXXX dollars and now they say that my balance is XXXX dollars. This is so unjust and unfair, I was a victim of theft, fraud and the black web victim as well. I have police report and the other companies have done they part to resolve any problems that I had but yet PayPal and synchrony bank have not done anything to help instead I keep receiving disturbing phone calls from very rude workers and I had to silence my phone in order for me to get some sleep as I am a XXXX XXXX XXXX XXXX XXXX XXXX veteran with severe health issues. I have another account with synchrony and they see that I dont have any issues with this card. I need help please
Consumer complaint received 2019-09-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: U.S. Auto Sales Inc. (GA)

I contacted the Consumer Financial Protection Bureau back in XXXX of this year regarding the incorrect information that was being reported by US Auto Sales. They stated in the last complaint that I never requested a deficiency balance and at that time updated the balance with all 3 bureaus and sent me a letter. My complaint is now of the same nature. Not only were they reporting inaccurate information to my credit file, but I never received a notice of sale for the vehicle, and as they mentioned themselves on the last complaint they never provided me with a deficiency letter until I filed a complaint.. Since I was not provided with a deficiency letter ( until I requested they update the balance ), and I was never provided with a notice of sale for the vehicle, I would like for this to be permanently deleted from my credit file with all 3 credit bureaus.
Consumer complaint received 2021-03-11
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. (FL)

I've sent several disputes about these inquiries I never authorized. 
these inquiries are Fraudulent on my report. I'm a victim of their inquiries issues. 

XXXX XXXX XXXX XXXX XXXX/ XXXX XX/XX/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 2018-12-28
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: JPMORGAN CHASE & CO. (NY)

A new hard inquiry was made on my XXXX  account for a Chase card on XX/XX/2018. I did not authorize this. This is likely identity fraud as it is the second hard inquiry that I did not authorize in the past month on my credit reports.
Consumer complaint received 2021-03-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: WELLS FARGO & COMPANY (TX)

I tried to apply for a credit card at Wells Fargo but was told I can not receive a credit card because I already have accounts with Wells Fargo that were not paid as agreed. This however is not true because I have never had a credit card with any back or company ever. I believe it to be that someone has open accounts under my name or social security number which are not allowing me to apply for a credit card.
Consumer complaint received 2022-10-08
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: EQUIFAX, INC. (PA)

Im 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 1681.

DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 


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 1681c. ( 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 report by more than 7 years.

15 U.S.C 1681s-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 2021-10-02
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: Experian Information Solutions Inc. (MO)

Identity theft. Checking, savings and {$35000.00} personal line of credit opened in my name at XXXX XXXX XXXX in XXXX early in XXXX this year. I received letters with my new account number and PIN. I contacted XXXX and filed a complaint. No loss of money occurred. I have not heard their response yet but their Fraud division suggested I file a complaint with the FTC. I suspect it was online enrollment. Since the letters were sent to my home address in western Missouri, I am wondering if it was someone local who then planned to steal letters from my mailbox. I filed a report with my county sheriff.
Consumer complaint received 2021-03-11
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Remex, Inc. (NJ)

THIS COMPANY IS REPORTING A MEDICAL RELATED DEBT ON MY CREDIT REPORT. ITEMS HAVE BEEN UNLAWFULLY AND INACCURATELY REPORTED EVERY MONTH BRINGING MY CREDIT STANDING DOWN SIGNIFICANTLY. I HAVE ATTEMPTED TO RESOLVE THIS MATTER WITH THE CREDIT BUREAUS ON THREE OCCASIONS WAITING 40-60 DAYS IN BETWEEN EACH INQUIRY WITH ONLY ONE RESPONSE BUT NO INVESTIGATION REPORT. PLEASE INFORM THIS CREDITOR THAT IF THIS MATTER IS NOT RESOLVED WITHIN A REASONABLE TIME, AFTER THIS CORRESPONDENCE IS RECEIVED, I WILL FIND MYSELF WITH NO OPTION BUT TO PURSUE THIS LEGALLY.
Consumer complaint received 2018-12-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (IL)

On XX/XX/2018 I tried to use the ATM and was notified that my account was in a review process due to fraud. Customer service ( chase ) notified me they had the right to not disclose anymore information and that my account would be closed in 10 business days ( they did not know 10 days from what day either ). On XX/XX/XXXX, my direct deposit from my employer came in ( I was not able to stop it from being deposited, in such short notice ). That day I called them because it was not being reflected in my balance and they told me that I had to wait 2 business days for them to review its validity ( which sadly was during XXXX when I needed access to my check ). I waited 2 business days since they promised that once cleared I can call them back for them to authorize a local branch to let me withdraw my funds. However, when I called again, On XX/XX/2018, they told me that the account was now in process of closing and they could not grant any branch permission to give me my money! Now I had to wait and additional 10 business days from check issue date to get my money ( I don't even know when they will decide to issue me a check, they don't know either! ) I am very upset, because to begin with I know they closed my account because I filed a claim with them due to their ATM eating my cash deposit on XX/XX/2018. The next day, they retaliated against me and closed my account. Giving me only 10 business days to change direct deposits and ACH/check debits from an account I have had for more than 12 years! They also chose the worse time of the year to do this and held my paycheck ( which is clearly legit money ) hostage for  so long. Now, I am short my whole paycheck throwing me off completely and not letting me pay my mortgage. They have caused so many problems for me because of their abuse of power. It is very unfair that they pick on common citizens like myself with no kind of remorse.
Consumer complaint received 2022-09-18
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: EQUIFAX, INC. (KS)

Please be advised this is my last and final attempt to correct these inaccuracies any response except for removal of this account will force me to pursue legal action. 12 U.S. Code 5561 ( 5 ) VIOLATION. 
I am exercising my right under the Fair Credit Reporting Act, 12 U.S. Code 5561 and 15 U.S. Code 1681n. I am demanding you remove this item immediately. XXXX XXXX XXXX XXXXXXXX XXXX Equifax account XXXX : XXXX, XXXX Account Number : # XXXX, XXXX Account Number : # XXXX. This account is being reported illegally. If not removed immediately, I will pursue all legal remedies at my disposal. 
The term violation means any act or omission that, if proved, would constitute a violation of any provision of Federal consumer financial law. 
Your attached email stating that you Equifax and XXXX XXXX XXXX XXXX  made changes to this account provides proof or Act and Omission it also provides proof that you made false statements. 
It is illegal for a business to make statements that are incorrect or likely to create a false impression. This includes advertisements or statements in any media ( print, radio, television, social media and online ) or on product packaging, and any statement made by a person representing your business. 
-Willful Noncompliance : there are inconsistencies in the account number reporting that may lead entities to assume that there are more that one account with XXXX XXXX XXXX XXXX XXXX

15 U.S. Code 1681n ( a ) IN GENERALAny person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of Violations : XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX : # XXXX XXXX XXXX XXXX XXXX XXXXXXXX Equifax Account XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX : # XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX 12 U.S. Code 5561 XXXX. XXXX XXXX XXXX  XXXX 15 U.S. Code 1681n
Consumer complaint received 2020-12-24
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: U.S. BANCORP (UT)

I saw an ad that was very prominent on the U.S. Bank website for their new XXXX XXXX XXXX XXXX credit card, offering a bonus of XXXX points ( worth {$250.00} ) for new cardholders who spend {$1000.00} in the first 3 months. So I applied for the card in XX/XX/XXXX, in part because I wanted the bonus. I was approved for the card and received it, and then spent the required amount to earn the bonus. On XX/XX/XXXX, U.S. Bank paid me XXXX points instead of XXXX. I called them and they said I must have mistakenly applied for a different bonus offer and that it's my fault. But there was only one bonus offer for this card, and it was XXXX points, and that's what I applied for. They said they'd have to research it and they'd send me a letter in a few days. I haven't received a letter. I believe they have been deceptive in their marketing. They baited me in with the offer of XXXX points and then switched it to XXXX without my knowing and are making up some fake reason so they won't have to pay me the remaining XXXX points. I have attached a screenshot showing the offer of XXXX points, which is still prominently showing on their website. It is the same ad today as it was when I applied for the card in XXXX.
Consumer complaint received 2022-09-18
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. (TN)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX  Account # XXXX has violated my rights. 

15 US C 1681 Section 602 states, I have a right to privacy.

15 US 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 2021-03-11
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC. (SC)

My XXXX XXXX XXXX XXXX was purchased by me on XX/XX/XXXX ; from XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX/ Web-site XXXX. Sales : XXXX My Car payments are due on the XXXX of every month ; beginning XXXX XXXX. 


Transactions DATE SORTED BY DATE : DESCENDING. 
XXXX XX/XX/XXXX One-Time Payment Completed {$550.00} XX/XX/XXXX Reallocations Completed {$0.00} XX/XX/XXXX One-Time Payment Completed {$550.00} XX/XX/XXXX Payment Processing Center Completed $ XXXX/gap coverage was returned to the bank ; the bank applied that money as a car payment ; I never ask the bank to do that ; the bank also charged me XXXX for the return of the gap money. The gap money should have been deducted from the original {$36000.00} loan amount. 

This is the original amount I financed and does not include finance charges. 
{$36000.00} amount XX/XX/XXXX One-Time Payment Completed {$550.00} Cash down payment XXXX was not applied to the loan ; yet, it's on the contract. the bank told me that they never got the down payment. 
The daily interest rate on-line is % 7.0 on the contract it's % 6.99. I have made all payments on the car prior to the agreed due date ; which is the XXXX of every month. The XXXX payment for some unexplained reason was not reported ; now the bank says I am behind in my XXXX payment ; that a false accusation, I have never missed a payment ; if anything I pay early to reduce the compounded interest rates.
Consumer complaint received 2018-12-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: SYNCHRONY FINANCIAL (CA)

I applied for a credit card through XXXX XXXX but was denied and received a letter from Synchrony Bank saying the credit report provided by XXXX provided 4 possible reasons and outlined them to me in a letter dated XX/XX/2018, none of which apply to me. After a lot of run around from XXXX and Synchrony, I requested my credit report and received that on XX/XX/XXXX from XXXX. None of the 4 reasons  applied per my credit report either. I also noticed there was an incorrect phone number so I requested that be changed and requested further information as to why I was denied a credit card. Then, I received a letter from Synchrony saying all of the info matched and nothing would be expunged. And also, I still have no reason for why I was denied a credit card. Throughout this whole process, XXXX has given me the run-around and Synchrony Bank has been unclear with the reason I have been denied. I am concerned about my credit but do not want multiple inquiries on my record.
Consumer complaint received 2021-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (WI)

I was surprised and appalled to find out that third parties are reporting bankruptcy to the credit bureaus. I was erroneously led to believe that it was the court house and/or Pacer who were reporting to the credit bureaus. So I sent a letter asking how each entity obtained this information. In return, I was told various things from public record or the court court house. 
I immediately looked into this and learned that the NEITHER the Court House NOR the Pacer systems reports to third parties or the credit bureaus.

Therefore these companies fished for information from public records. They then used the fished information to turn a supposed bankruptcy from a private matter to a public matter, which is a direct violation of my consumer rights. Credit Bureaus are NOT supposed to use Public Records for their reports!

I did not authorize any third party reporting of supposed bankruptcy. Furthermore, the claim that the Courthouse or Pacer reported the information to a third party or a credit bureau is fraud.

I demand that the supposed bankruptcy and any accounts associated with it, be removed from my consumer file, immediately. Furthermore, I demand that other third parties and three credit bureaus follow suit.
Consumer complaint received 2021-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: CORELOGIC INC (WI)

I was surprised and appalled to find out that third parties are reporting bankruptcy to the credit bureaus. I was erroneously led to believe that it was the court house and/or Pacer who were reporting to the credit bureaus. So I sent a letter asking how each entity obtained this information. In return, I was told various things from public record or the court court house. 
I immediately looked into this and learned that the NEITHER the Court House NOR the Pacer systems reports to third parties or the credit bureaus. 

Therefore these companies fished for information from public records. They then used the fished information to turn a supposed bankruptcy from a private matter to a public matter, which is a direct violation of my consumer rights. 

I did not authorize any third party reporting of supposed bankruptcy. Furthermore, the claim that the Courthouse or Pacer reported the information to a third party or a credit bureau is fraud. 

I demand that the supposed bankruptcy and any accounts associated with it, be removed from my consumer file, immediately. Furthermore, I demand that other third parties and three credit bureaus follow suit.
Consumer complaint received 2021-03-11
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: GOLDMAN SACHS BANK USA (TX)

On XX/XX/2021, I lifted the credit freezes from 4 bureaus ( XXXX, XXXX XXXX XXXX ) so I can apply for a savings account. 
I then went to Marcus ( Goldman Sachs ) online savings website, and applied for a savings account. 

I got a message saying I should call the bank for manual verification, and asked me to reference application ID XXXX. So I did. After some time on the phone ( a call I recorded - I normally record all my phone calls as standard practice, and I am in Texas, a single party state ). After asking me to repeat all the information I provided online, I was informed I am " manually declined '' for Goldman Sachs 's failure to verify my ID. 

After further contact on XXXX with Goldman Sachs, it was suggested maybe I have a typo in my application. So I applied again, triple checked everything, and got denied again ( application ID XXXX ), with the same pretext. 

I have credit scores over 800 in all bureaus, and a high net worth individual who just wants more bank accounts opened to increase my FDIC coverage. I keep my reports frozen as a precaution and lift them only when needed. 

Goldman Sachs failed to disclose why I was denied, and failed to disclose what bureaus and databases they used to reach their decision. 

I have decided not to pursue an account with them anymore, but I have recently examined XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX  and found no issues. 

I demand that Goldman Sachs disclose to me, in writing, what databases they used to reach their decision, as I have the right to examine those records and make sure there is nothing about them that is incorrect. 

Thank you, XXXX XXXX