davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: U.S. BANCORP (GA)

I contacted US Bank via email to close my credit card account ( XXXX ) and they did such as requested. ( Please see attached document ). I had a rewards balance of $ XXXX and went in this morning to redeem such and the balance was {$00.00}. I contacted US Bank and was told by the representative that when the account was closed their policy is to inform the cardholder that " you will forfeit any rewards once the account was closed ''. I informed the rep that this was not closed by phone but via email. I was informed that it should have been in the email, but as you can clearly see it was not. If I had been informed of such, rest assured I would have taken the rewards before closing. 

No one in their right mind would throw away XXXX  XXXX dollars, especially with paychecks being stretched thin and inflation at an all-time high. 

I am requesting that US Bank honor their policy of informing a customer about " losing their rewards '' and send me a check for the rewards balance that was there when the account was closed.
Consumer complaint received 2021-11-14
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: Westlake Services, LLC (NC)

After carefully reading and reviewing all 3 of my national credit reports, XXXX, XXXX and XXXX XXXX I had discovered there is a trade line from a company located in California called, " Westlake Financial Services ''. They have been reporting this fraudulent, derogatory and negative trade line since XX/XX/2015 and it is showing on my credit reports as a repossession. 

I never had any car loans or car leases with this Westlake Financial Services company and I never co-signed for anyone for a car loan or car lease. Since this fraudulent, derogatory and negative trade line from Westlake Financial Services has been on all 3 of my national credit reports, XXXX, XXXX and XXXX XXXX I have been unable to obtain any car loans or car leases and it has damaged my credit reports, credit history and my credit scores. Westlake Financial Services is reporting to all 3 of the national credit agencies XXXX, XXXX and XXXX XXXX that I owe them a balance of {$7800.00} ( XXXX XXXX XXXX XXXX XXXX XXXX dollars and XXXX cents ) and I do not owe them anything because I never had any car loans or car leases with them ever. 

I have called this Westlake Financial Services company in California multiple times on the telephone and when I explained the situation to one of the customer service agents I spoke with, they indicated that this fraudulent, derogatory and negative trade line would be deleted and removed from all 3 of my credit reports, XXXX, XXXX and XXXX XXXX. 

After running all 3 of my credit reports again the same fraudulent, derogatory and negative trade line from Westlake Financial Services in California is still appearing on all 3 of my national credit reports ...!
Consumer complaint received 2016-12-11
Product: Prepaid card — Payroll card
Issue: Unauthorized transactions/trans. issues — 
Company: AMERICAN EXPRESS COMPANY (MD)

On XX/XX/2016 I used my American Express serve card to try and withdraw {$200.00} from my account at a ATM. There was an error on the transaction and no money was dispensed but {$200.00} came out of my account. I reported the dispute that night and did everything required on my end but still have n't received a provisional credit and they still have n't resolved the issue. It 's been past the 45 days they said would be the maximum time it would take to resolve. Everytime I call, they tell me different information and will not let me contact the dispute team. I am very unsatisfied with this company.
Consumer complaint received 2021-11-14
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. (VA)

All three bureaus. I have been trying to fight against fraud that happened at my school ( XXXX colleges online division ) since 2010. All of my expenses were covered under grants and student loans. I was told I would not have to pay until after graduation. I was lied to and a victim of financial fraud when just before graduation the school slapped me with {$10000.00} bill they said I had to pay before I could graduate. I couldnt afford it, obviously, so the school removed my credits ( I have all ready sent proof that I technically graduated to the DOE multiple times ) and stated I didnt finish all of my credits. I was on track to graduate with a very high GPA, never missed a class, never missed an assignment. They XXXX me and its caused a massive financial hardship since. Its destroyed my credit, prevented me from furthering my education, getting decent jobs, a cant get a mortgage etc. I have asked the DOE to prove I graduated and received my diploma ( Ive proven I havent ) or to forgive my loans and remove all negatives from my credit report. This is the LEAST they could do for ruining my life. They stated I missed some sort of deadline which is false. I reached out everywhere I could think of after it happened but got blown off. Not much later my school closed because XXXX went bankrupt ( that started near the end of my classes ) and the deceit was finally exposed. I even forwarded the correspondence to the DOE with the emails I received regarding this. All I ask is for the DOE and credit reporting agencies PROVE I am wrong. If they cant, they need to wipe my records clean, wipe my loan because I owe a large amount of money for a product I didnt receive ( no fault of my own ) or we will end up in a civil battle for WAY more than the value of my loans.
Consumer complaint received 2022-04-21
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. (AL)

Thank you for allowing me to file this complaint against the credit bureaus. I have decided to take this step before I involve the courts to assert my rights. First thing I noticed is the " credit reporting agencies '' impersonating a " bureau ''. In reality they are not at all a bureau and have no association to the government. The took it upon themselves to report information about me and speak for me without my written/signed consent under 15 USC 1681 ( a ) ( 2 ) ( b ) Furnishing A Consumer Report Without The Consent Of The Consumer. This is deceitful and I am due what is rightly mine. After reviewing my report I see the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX that should not be there and I want deleted. The addresses listed XXXX XXXX XXXXXXXX XXXX, AL XXXX and XXXX XXXX XXXX XXXX, AL XXXX are not associated to me and I do not give permission for it to be shown on my report.
Consumer complaint received 2021-11-14
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: JPMORGAN CHASE & CO. (CA)

I was overcharged for an XXXX transaction back in XX/XX/2021. I worked it out with XXXX and had received my refund. However, chase bank wrongly went into my account and reversed this refund that I am still owed. I never received my refund from this transaction because chase bank went into my account and stole it.
Consumer complaint received 2021-11-14
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: TRANSWORLD SYSTEMS INC (DE)

Notice it is a fact that I am a federally protected consumer, as such I have the right to privacy. Notice it is a fact that my federally protected rights have been violated. Notice it is a fact that I have never signed a contract or promissory note with the company TRANSWORLD SYS INCXXXX, whereas I believe them to be a debt buyer. Notice it is a fact that this company must operate under the FDCPA. Notice it is a fact that I am requesting all DOCUMENTARY EVIDENCE including all ledgers, books of accounts, that pertains to account XXXX. Notice it is a fact that failure to provide such documentary evidence is a clear violation of 12 cfr XXXX ( a ) ( 6 ) as I am invoking my right to obtain it in accordance with 15 usc 44. Notice it is a fact that I also have never given written or oral consent for this account to be furnished on my consumer report, whereas that is a violation of 15 usc 1681 ( a ) ( 4 ) because I have a right to privacy. Notice it is a fact that I demand this account be removed from a collection status and reported as paid in full or pay {$560000.00} for every minute this account has been illegal reported on my consumer reports.
Consumer complaint received 2016-08-10
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CITIBANK, N.A. (PA)

Citi mortgage said I was being transferred to XXXX effective XXXX/XXXX/2016 and as of XXXX XXXX, 2016 they was not accepting any further payments. I called XXXX and gave them the account /loan number which Citi mortgage provided. XXXX had no knowledge of me nor the loan/account I gave them. I contacted Citi Mortgage according to their records I was transferred. On XXXX XXXX, 2016 I was informed the transfer was RESCINDED and a letter was sent on XXXX XXXX, 2016. I have not received this letter. I want to know the reason why the transfer did not go through. No one at Citi Mortgage can tell me the reason why the TRANSFER was RESCINDED. As a consumer I have a right to know.
Consumer complaint received 2022-11-01
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (MN)

On XXXX XXXX, I posted my laptop for sale on XXXX XXXX XXXX for XXXX dollars. A person knocked me saying that he wanted to buy the laptop for XXXX dollars and he wanted to pay via XXXX. I gave him my XXXX  id. Immediately I got an email that he has sent me an amount of XXXX dollars and it looked like it came from XXXX exactly but it said it was pending for transaction and my account needs to be upgraded to a business account shortly and then I was sent another email saying that I need to pay the buyer XXXX dollars refund which I did and again I got similar mail from XXXX which is supposedly fraud that I need to send another XXXX dollars. Again I sent that amount and later I realized that this was the XXXX scam and yes I have been scammed and immediately on that day I contacted XXXX and my bank Chase Bank. They both told me that it was a scam not a fraud like I was the one authorizing the transaction so this is not a fraud and I will not be getting any refunds for this, I tried to contact everyone in this process but I did not get any help as I was the one who authorized this and also I didn't know the differences between fraud and scam. Hope you guys can do anything about this
Consumer complaint received 2021-11-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TN)

I have several wrong items on my personal information such as misspelled names, wrong addresses, and wrong employment that I have attempted to get removed from my credit report. I have explained this several times and it never gets deleted. Please delete these inconsistencies. I have attached my driver 's license and social security card to show my current information and prove my identity.
Consumer complaint received 2019-12-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK (GA)

This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whetherit 's a charge off? The balance is in fact wrong, please make sure to reverseit to XXXX   or remove the item fully. Please also producedocumentation toverify all the charges and credits in this supposed account that caused to theextremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with myrights honored within the fair credit billing act. If you fail to give these detailsper my civil rights petition, please make sure you quickly remove this specificwrong posting.
Consumer complaint received 2019-12-09
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: Comerica (MA)

Hi my name is XXXX murder  on XX/XX/2017 I received money from Social Security for $XXXX it was going to the business which is called direct   express  is it located in XXXX XXXX  Texas their telephone number XXXX-XXXX-XXXX  That company is very hard to get in touch with tried to get in touch with them it’s almost impossible well anyways I called the fraud department because after about 78 months with my head became a little clearer I said a look at it all my money was gone so I ask him to send me a statement because I’m expecting statements every month they tell me they’ll send statements out because they charged you $XXXX per statement and I told him I think there’s a mistake I should have more money in the bank I think either you make aA mistake or somebody stole my money so we talked for about an hour I explain to them what happened I have a pay which I have a picture of her name and address was there she was my ex fiancé I fired her right before I got the check because of personal reasons but the account that stay open for two loads if you read the Social Security manual they can still operate with that card and I’ve also had identity theft which I have very suspicious about her so anyways I explain to them what happenedSo here are the disputes disputable 1-XXXX dispute number 2-XXXX dispute number three XXXX dispute number4 XXXX so after we got all the disputed they told me they would mail out some forms that I needed to fill out  They told me they would be here within 10 business days I’m still waiting father never sent me nothing never got the file that I never got to process I have a police report the police seen it they know what’s going on I’ve had a dirty theft my Social Security card was stolen you think they will dig a little deeper into this they sent me one piece of paper from some company called XXXX  which I’ve never heard of the company says there was a conflict of interest which I really don’t understand what the conflict is Four different disputes they only investigated one and they told me that the investigation is over there’s nothing I can do you need to hire a lawyer if you want to continue investigating this case so that’s what I’m doing I sent you guys a picture so you could take a look XXXX  and see you all Social Security is really dealing with thank you my name is XXXX  XXXX  appreciate your time
Consumer complaint received 2021-11-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CarMax, Inc. (IL)

this company is stating that i had a late payment when i did not i tried to explain to them that they must have mistake with their system and that i always made my payments on time and my bank even stated to me that the payment was taken from my account in time and that it was not their fault. this company has refused to fix the situation even after numerous attempts. This is a violation of the FCRA all information must be truthful and accurate at all times and if not then this company can face possible fines and penalties in which i will seek for all of the complications i have had to go through to fix this problem they must show proof that it was my fault that the payment was ever late i paid them on time and they took the money but still put a negative remark on my credit which has impacted me negatively which is against the law. They state that my payment was late XXXX XXXX in which it could of very well been a problem with their systems due to corona related issues in once again you cant penalize a person if something happens because of a National Disaster.
Consumer complaint received 2021-11-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF THE WEST (CA)

I opened a new account on XX/XX/XXXX, but I wasn't able to use the online banking or their app. It says I need to call customer service to verify my identity, and I did - the wait time was long and kept dropping my call. 

So I went to a branch to verify myself, the employee tried to call their support, but it says the online option I have is waiting, and it'll take about 2-3 days. 

So I went home and wait for about a week, I called them again, they said I need to wait and never fix my account. 

As of now, it's just showing my online access is locked.
Consumer complaint received 2021-11-14
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Patenaude & Felix A Professional Corporation (NV)

I the consumer received an illegal communication from PATENAUDE & FELIX A.P.C. on behalf of XXXX XXXX XXXX ( XXXX ), XXXX. In written form of a court complaint case # XXXX, about a consumer credit transaction in regards to an alleged credit card debt on XXXX for alleged sum of {$8200.00}, account # XXXX. In which I filed my answer to the complaint with the court on XXXX, and I also certified mailed with green return slip to PATENAUDE & FELIX A.P.C., in which they received my court answer on XXXX. In which I have proof of delivery by green return slip signed. The court date was moved from XXXX to XXXX, for PATENAUDE & FELIX A.P.C. claimed they did not receive my motion and vacated for later date, but I have proof they did receive my motion. I also received a communication from them on XXXX saying this alleged obligation is my responsibility after they conducted an investigation, but how can they investigate themselves if they are the ones conducting the fraud? If they conducted an investigation why cant they provide me with proof that this alleged obligation is my responsibility? That is a violation of 15 USC 1692b ( 2 ) not state that such consumer owes any debt. I responded in written communication back notifying them of a few of their multiple violations pursuant to 15 USC 1692, The FDCPA, which they received by notarized certified mail on XXXX. Which also included, request pursuant to 15 USC 1692g to validation of debt and pursuant to 15 USC 1692c ( c ) ( 2 ) as I am the consumer, and original creditor, invoked specified remedy for injuries incurred by both corporations. Which I have proof they received and signed for via green return slip. In return they did not respond or provide me with documentary evidence according to what congress defines as proof of validation, and none of the information I requested. They are actively engaging in multiple violations of my consumer rights and causing ongoing XXXX and XXXX  due to their willful disregard to my rights as a consumer.
Consumer complaint received 2019-12-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: ID Analytics, Inc. (FL)

On XX/XX/2019 I requested a Security Freeze with Sagestream LLC for my credit file by fax and haven't gotten the pin number or letter stated that the security freeze was applied. So I sent a second request by certified mail that was delivered on XX/XX/2019 and here it is XX/XX/2019 and I have not received anything about my request and it's hard to get in touch with anyone on the phone to resolve this problem.
Consumer complaint received 2021-11-14
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERICAN ADVISORS GROUP (CA)

I got harassed by the company called XXXX on behalf of XXXX XXXX. They sent me mail from " Main Office '' at XXXX XXXX XXXX XXXX, XXXX XXXXXXXX, XXXX, CA XXXX. I don't know how they got my personal information and mailing address which I have never signed up for. I have been harassed by this company for so long. When I called the XXXX, the call center reps are extremely rude and unwilling to remove me from the list. It's a complete scam. Please help and prevent this company from harassing people.
Consumer complaint received 2021-11-14
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)

So I have reached out several times and tried so so many times to get these accounts on my credit that are not mine removed. At this point the next option I have is to hire an attorney to assist me because me doing it by myself seems not to be working. This is really causing me to lose money paying high rents when I can purchase. I know I can get approved now but I need this cleaned up so I can take advantage of the best offers for me as a first time home buyer. I have filed a complaint with the FTC and the police here. I really need some help I am doing this on my own behalf. Please remove these accounts that I dont know anything about XXXX XXXX XXXX , XXXX XXXX XXXX , XXXX , XXXX  XXXX and XXXX XXXX XXXX. I have tried and tried again to try and get this handled with these companies and no response and cant get anywhere even with management.
Consumer complaint received 2023-03-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: CITIBANK, N.A. (FL)

My Citi bank checking account has been charged service fees many times for not maintaining a minimum balance, however, I qualify waive those requirements with direct deposit and bill pay. I have to reach out to customer service to reverse the fees, and every time they try to dispute. Only when I ask them to read their own policy, do they reverse the charges. I have the resources to spend time fighting these charges each time, but many don't. They are relying on the fact that most customers don't have time or the knowledge to dispute fees like this. It's a drain on my time and their own customer service resources.
Consumer complaint received 2021-11-14
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CONTRACT CALLERS INC (TX)

Contract Callers - Tel : ( XXXX ) XXXX This company is listed on my credit report claiming to be a collection agency for XXXX. However, I pay XXXX directly. Not through and outsourced agency. 

I would like them to remove their negative remarks from all of my credit reports through each credit bureau, and issue a formal apology for the continued garnishment of my credit rating and score.