davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-08-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (CA)

Chase released {$6800.00} without my authorization, on a fraudulant check cashed with a name that doesn't even match, has never been associated with myself or my account -- just a completely falsified check with a MAN 's name on it, printed at the top, and signed by the same man. 

I notified Chase as soon as I saw this on XX/XX/XXXX via phone. They said it was obviously a clear case of fraud and we could expect our funds back in 3-5 days. This was already unacceptable as we needed to wire some of those funds to close an escrow the next day. 

Since then, another 10 days have past. I went into a branch immediately on Monday XX/XX/XXXX where we I did my due diligence of reporting this in person and was told again it would be resolved in a couple days. Those passed and still nothing. Another promise of " tomorrow, or day after, latest. '' Those days passed. Now XX/XX/XXXX, went into branch again only to be told now they don't know when. Our rent is past due and I have no money. They have broken promises on 3 or 4 separate occasions on this already. We have a copy of the bogus check and they do as well. Everything 's been reported and filled out and they keep making false promises and stringing me along as my life falls apart with {$0.00} dollars. They didn't even look at the name on the check. They gave away all my money, {$6800.00} and I have no idea or confidence at this point when or if I will even get it back. They keep lying and refuse to replenish my money they recklessly released and refuse to give my money back. They are FDIC insured, they are supposed to protect against this sort of thing and certainly help and make good on their word to distressed customers whose lives are in dire straits rather than lie, make false promises, use stall tactics and refuse to make the funds available that SHOULD NEVER HAVE BEEN RELEASED.
Consumer complaint received 2020-09-25
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: WELLS FARGO & COMPANY (CT)

We are writing in hopes that you may be able to assist us with an issue we are having with Wells Fargo Bank. 

We are a XXXX XXXX XXXX XXXX  in our tenth year of business, that has been hit during the pandemic. We provide musical theatre, acting and voice lessons, and also the opportunity for children to perform. This is a high-risk business as it involves singing, dancing, and acting indoors. As a result, we have not had children in our space since early XXXX, and are in the process of vacating our brick and mortar studio space as we try to hang on with an online platform. 

We signed a 60-month lease in good faith, for a copy machine with Wells Fargo bank. We have 42 months left on the lease of the machine and they will not let us return the machine or negotiate an early lease payout. We are well aware of the shady practices Wells Fargo has engaged in in the past and given the circumstances feel this is a cruel and unnecessary burden to put on a business facing the losses we are facing. The service company that provides the machine and supplies the paper is happy to take it back and cancel the lease but their hands are tied. 

The machine is an XXXX pagewide model # XXXX and is provided and serviced by XXXXXXXX XXXX   out of XXXX, Ct. The lease is through Wells Fargo at {$78.00} per month and they insist that we continue to pay for it for four more years despite that we have no use for it now. XXXX XXXX has been sympathetic and have lamented that many of their customers have received this kind of rigid hard-line treatment from Wells Fargo. Wells Fargo certainly didn't have a problem taking the bailout when they needed it from the government. 

If there is anything you can do on your end to persuade Wells Fargo to do the right thing and let us out of our lease, or at least provide a compromise buy out, we would be so grateful. 


XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX
Consumer complaint received 2019-08-07
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: DISCOVER BANK (TX)

On XX/XX/2019 in an attempt to reduce the amount of interest charges on a current credit card debt I read over a mailer I received for a Discover It Business card offer. The terms and conditions listed that Balance Transfers are offered at 15.24 % APR and a fee of 5 % of the transferred amount followed by the rules/regulations governing balance transfers. Knowing that this cards rates and fees will save my company money in interest charges, I applied online. During a required phone conversation I was approved for the card, at which time I inquired about the Balance Transfer procedure. The representative replied with this card doesnt offer Balance Transfers. Thinking that the rep had made a mistake I informed her that the mailer I received said otherwise. She apologized and said their must be a typing error ... our business card doesnt offer Balance Transfers! Of course I was angered by this, the sole purpose of applying for the card was because of the advertised Balance Transfer options! Not only was I misled by their fraudulent documents, they have placed credit inquiries with XXXX  that will affect my credit score when applying for a card that does offer Balance Transfers. I have canceled the card and simply want Discover to take steps to remove the inquiry from my credit report! To which they have responded that they can not. 

This is false and misleading advertising.
Consumer complaint received 2023-06-16
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc. (AL)

OnXX/XX/XXXX, I purchased a queen bed and boxspring set for {$430.00} with my CashApp Cash Card at a local business. The bed was supposed to be delivered on XX/XX/. It was not delivered and I gave it through the weekend before attempting to contact the merchant. 
On XX/XX/XXXX I attempted to contact the merchant only to discover that he had closed his business and disappeared, leaving no contact information. 

I immediately contacted CashApp and disputed the transaction and reported it as fraud. CashApp denied my dispute saying that no error or fraud had been committed. 

I have since filed an additional 5 disputes in the same transaction, all with the same result of being denied. I did request the documentation that CashApp used to determine the dispute decision but all that CashApp provided to me is a copy of the transaction details... Which is not helpful at all as it lists no reasoning as to why it was denied.
Consumer complaint received 2024-11-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

I am filing a complaint against XXXX, XXXX, and TransUnion for their refusal to correct inaccuracies on my credit reports. As a victim of identity theft following several data breaches, including XXXX, I have been severely impacted by these issues. 

Despite submitting proof of my correct name, the bureaus continue to list my name incorrectly as " XXXX XXXX '' and even " XXXX XXXX '' on several fraudulent accounts. I have repeatedly requested they remove these inaccurate names, yet the bureaus persist in showing them as also known as names on my reports. Additionally, several fraudulent accounts opened under these incorrect names remain on my reports, damaging my credit
Consumer complaint received 2020-05-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (IL)

Today, I noticed a couple of charges on my credit card that I did not make. I immediately went online to check my credit card charges and noticed one from the previous day that I did not make as well. I called the number on the back of my credit card, and the pre-recorded message noted that their offices are closed and to use the website or app to report fraudulent activity. I tried to do both, but neither the website nor the app allow for the customer to report fraud. All I was able to do was lock my card to stop any further unauthorized charges. The company 's website and app all instruct us to call a number provided. However, upon calling all the numbers I came across, all had the same message that their offices are closed, despite online touting that they have 24/7 fraud services.
Consumer complaint received 2020-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: LoanCare, LLC (IN)

today, XX/XX/XXXX, I spoke with XXXX/ Loancare about my forbearance and incorrect credit agency reporting. Asked them to correct the situation and was told they did not provide the information. 

During my forbearance my loan was reported as late for XXXX, XXXX and XX/XX/2020, when I made these payments in full. 

I have wrote to them today providing proof that my payments were reported as late for 3 months. 

I also cancelled my forbearance as I am unable to refinance my loan while on forbearance. 

Have requested my credit report so I can dispute this information but that will take 30 days. Unable to start credit union complaint online! unable to speak with anyone at XXXX XXXX or XXXX. XXXX   requested proof of identity and would not start complaint. The questions they use for screening would require me to have my credit report in order to answer them. I have a brain injury that has affected my memory.
Consumer complaint received 2023-03-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents attached.
Consumer complaint received 2023-03-27
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: WELLS FARGO & COMPANY (CA)

To Whom It May Concern, I am writing to file a complaint against Wells Fargo regarding an issue related to a disputed charge on my credit card account. I discovered an unauthorized charge on my credit card statement issued on XX/XX/2023 and immediately contacted Wells Fargo to dispute the charge. I followed all the necessary steps to initiate a dispute. 

However, I was shocked to discover that Wells Fargo reapplied the disputed charge on my account after 60 days, which is a clear violation of the Fair Credit Billing Act and other consumer protection laws. Despite multiple attempts to contact the company, I have not received any satisfactory resolution to this issue.

I am requesting your assistance in resolving this matter and ensuring that Wells Fargo is held accountable for its actions. I have attached copies of my credit card statements, as well as documentation of my attempts to contact the company and resolve this issue.

I would appreciate any help or guidance you can provide to help me resolve this issue as soon as possible.

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2020-12-14
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. (UT)

I have been a victim of Identity Theft. The Items I have identified and highlighted on my credit report in which I sent into Equifax do not relate to any transactions that I have made or have applied for resulting in Fraud creating several errors which have all hurt my credit score I value. I have asked Equifax to Please block, remove or delete this information pursuant to section FCRA 611. Equifax is the reason why this has happened!
Consumer complaint received 2020-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

XXXX  and Transunion are reporting incorrectly that I am ( 120 ) days late on the DEPTEDXXXX partial account number XXXX. ( Please see page attached from my credit report. ) First, all of these accounts report a {$0.00} balance and {$0.00} past due. Second, these accounts are currently being coded as an I5. These accounts should be coded as an I1. I have contacted the bureaus and have spoken to multiple representatives who have verbally stated to me they can not change the coding on these infractions. This is not true. I have spoken to my loan officer, as well as my lender, and it was confirmed that the coding on these items can be changed by the bureaus to report accurate information. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. It is a violation of the Fair Credit Reporting Act to not report accurate coding. This false reporting of lates is seriously harming my credit score and all of these line items need to be removed from my credit report. I have contacted the bureau to remove these however, I have not been successful.
Consumer complaint received 2023-03-27
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. (LA)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-11-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (GA)

I pay balances on my credit card to XXXX an my credit score never changes. Ive paid my accounts on time for last 8 months an score never changed. I feel Im a victim of credit racism. Its people with XXXX or more in debt thats not my color an theyre credit score is XXXX up. I have XXXX worth of debt that I pay on an my credit score never goes up at equifax only. Please investigate this situation throughly.
Consumer complaint received 2023-03-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TN)

1.I have never had an account with this company Portfolio Recovery Associates , LLC XXXX REMOVE from all credit agencies from reporting. 
2.consumer means any natural person obligated or allegedly obligated to pay any debt. According to 15 U.S. Code 1692a ( 3 ) 3.This letter is in pursuing 15 U.S. Code 1692c ( c ) Ceasing communication 4.I am the consumer mentioned in 15 U.S. code 1692a ( 3 ) You are Portfolio Recovery Associates , LLC the debt collector 15 U.S. Code1692a ( 5 ) I am invoking specified remedies under use 15 U.S. code 1692c ( c ) ( 2 ) as a creditor I am demanding you to terminate all farther efforts pursing to 15 U.S. Code 1692c ( c ) ( 1 ) 5.I am the executor under the 15 U.S. Code 1692c ( d ) pursing to 15 U.S. Code 1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) ( 2 ) and ( 4 ) 6.According to 15 U.S. Code 1962e ( 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. 7.15 U.S. Code 1692e ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value. 8.As mentioned in the 15 U.S. Code 692f Unfair practices ( 8 ) 9.While pursuing to 1692g ( b ) while the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt. 10.15 U.S. Code 1692k Civil Liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) ( 2 ) ( A ) ( B ) ( 3 ) 11. Mentioned in 15 U.S. Code 1681a ( 3 ) ( 3 ) Restriction on sharing of medical information. Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) ( B ) ( C ) Ive pointed out many violations your company is in pertaining to the U.S. Code 1692 and 1681.
Consumer complaint received 2020-11-20
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Lost or stolen check — 
Company: WELLS FARGO & COMPANY (CA)

I lent my vehicle to a third party and he got into an accident on XX/XX/XXXX, during which the vehicle was totaled. The insurance company wrote a check to myself and this third party for the total loss of my vehicle using the word " and '' in the amount of {$9500.00}. This third party had the check re-routed to his address and was able to deposit it into a Wells Fargo ATM without my endorsement on XX/XX/XXXX. 

I have spoken to numerous employees at Wells Fargo, both in branches, and on different customer service telephone numbers since XXXX of XXXX. I was re-directed more than 5 times and no one gave me an answer. I have sent numerous emails and visited branches several times over the past 18+ months. Most recently, a branch employee helped me open a case in XXXX. I received an automated email stating that they would get back to me within 10 business days. I heard nothing. I received similar automated emails pushing the date further out, yet with no response. Not one employee knew where to direct me to get this matter resolved, nor has anyone responded.
Consumer complaint received 2020-11-20
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NC)

I have a bankrupty on all 3 of my reports. I have never had a bankruptcy. I filed one then went back within 3o days and withdrew it. I feel it is unjust and it has caused me severe hardships so much that I couldnt care for my dad so he passed. I went homeless and stayed homeless for years because I couldnt find decent housing. It is not right or fair for me or anyone to hav e to go thru the same harsh punishment for filing a bankruptcy but never being declared or more less, never going in front of a judge. Just never persuing it at all, and a person that filed, went to the judge, got their bills erased, was declared bankrupt, and was under the laws of bankruptcy and eventually was released. It is unjust for the two different scenarios to have to go through 10 years of negative reporting. why does the credit bureau have the right to tarnish me and my name for something that never took place. Filing and being declared bankrupty is 2 different things. Filing to be declared bankruptcy isnt what I had or have. I filed just to start paperwork however, never finished the paperwork and was never declared. Yet my life has been ruined in many areas for the past 9 going on 10myears. Why do the bureaus have the right to abuse their power and who gives them this right? My life ruined because of power and money. They have no idea what it has done to my mental health. my emotional health, and my financial health.
Consumer complaint received 2020-06-22
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: Experian Information Solutions Inc. (NC)

This account needs to be removed it has been settled and is reporting incorrectly I have attached all of the documents that show PROOF! 

The have date of last payment says XX/XX/2020 this account has been sold to a different company and settled this makes no sense every time I contact them to remove this account they send me the attached letter to the company that owns the account which is settled as you can see on the paper its a {$0.00} balance
Consumer complaint received 2020-06-22
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. (TX)

XXXX  XXXX XXXX  auto {$5900.00} XXXX  XXXX XXXX  {$18000.00} XXXX XXXX {$470.00} national credit audit square XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX filed ftc
Consumer complaint received 2020-06-22
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (MI)

My credit scores recently dropped significantly. When I called Equifax to complain they could not explain it. They said " I dont have access to your credit score ''. He then wanted to give me contact information for a credit repair company. 
I believe my score was impacted by a Forebearance Agreement on my daughters mortage for which I cosigned. However, Equifax could not tell me this. They did indicate my status was " Current '' on our mortage payments. 
The Dispute process online with Equifax did not allow this type of dispute. It only allowed me to dispute my previous addresses and my name. No provisions on their website to dispute the rating in any other way.