davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-08
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (FL)

Checkmark : Your message has been sent Reply toChase Online SubjectRe : Account inquiry ReplyXXXX has no account attached to me BUT CHARGES ME XXXX AND XXXX REPEATEDLY THE CUSTOMER SERVICE PHONE NUMBERS DISCONNECT REPEATEDLY FROM VERIFIED COMPLAINTS OF UNAUTHORIZED CHARGES FROM XXXX and XXXX has been fined for unauthorized charges and financial fraud schemes with the public Here is the information showing more deception information regarding violations and I NEVER HAD AN XXXX XXXX KEEPING XXXX ACCOUNT EVER, THE CHARGES COMES FROM CALIFORNIA BUT I KNIW THE CUSTOMER SERVICE CALLS ARE ROUTED TO XXXX, AND THEY KEEP APOLOGIZING FOR FRAUDULENT CHARGES BUT WILL NOT STOP CHARGES OR INITIATE REIMBURSEMENT REPEATEDLY STATING FALSIFIED REPORTS TO MANIPULATE INFORMATION AND ELECTRONIC CHARGES ARE PROHIBITED IF FRAUDULENT. They did same thing to elderly people who use their services. XXXX is charged XXXX dollars and XXXX dollars monthly but they want extra {$500.00} USD for services, they already received or have been receiving. XXXX Live Bookkeeping [ ref : XXXX : ref ] XXXX To XXXX XX/XX/XXXX at XXXX PM www.intuit.com QBLive-Logo-clean Hello XXXX, I got your XXXX request where it states that you would like to be assigned back to your Bookkeeper. I apologize that we can not do this, we can only do this if you purchase the service that starts at {$500.00} within 60 days of when you last had the service. If you purchase this service it will activate the XXXX XXXX on your account and then we can transfer you back to your Bookkeeper and refund you the {$500.00} charge. If you wait pass the 60 days then you can not be assigned back to your Bookkeeper and will need to complete the Cleanup service and there will be no refund. Please sign up ASAP so the service can start again and you can put in a refund request as soon as you have that first appointment with a Bookkeeper who can escalate a refund request and get you assigned back to your Bookkeeper. XXXX no longer has the XXXX and XXXX services separated so to start the service again everyone customer has to purchase the {$500.00} service first. I apologize for the inconvenience. Thank you for choosing XXXX XXXX! XXXX XXXX XXXX Escalations Department
Consumer complaint received 2020-08-17
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. (AR)

This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also, there ae several inquiries on my name. I have not given anyone authorization to pull my credit. I have taken measures to make sure no one tries to open anything under my name again. Please remove these unknown accounts from my reports as soon as possible. XXXX XXXX XXXX XXXX {$76000.00} XXXX  XXXX {$1500.00} XXXX XXXX  XXXX {$66000.00} XXXX XXXX   XXXX {$20000.00} XXXX XXXX XXXX XXXX {$0.00} XXXX  XXXX {$230.00} XXXX XXXX XXXX {$37000.00} XXXX XXXX XXXX XXXXXXXX {$49000.00} XXXX XXXX XXXX   XXXX {$87000.00} XXXX XXXX  XXXX {$64000.00}
Consumer complaint received 2020-11-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (PA)

During the pandemic I reached out to Wells Fargo Auto to have my payments suspended for 3 months. They gladly accepted my offer. During the 3 month time frame of XXXX to XXXX, I was able to get caught up in my payments of {$540.00} a month. I then expected that Wells Fargo would continue to make accurate and timely reporting to each credit bureau. On XX/XX/2020. I made a large payment of {$3900.00} to account # XXXX Wells Fargo failed to report to the credit bureaus for the month of XXXX, XXXX, and XXXX. As of today XX/XX/2020, They still have not accurately reported to the credit bureaus. my payments to date. 

To date, I have since payed off my loan, and they are refusing to accurately report information to the credit bureaus. There reason for not reporting, is they said that Its because i took advantage of the program, they offered. This is incorrect. 

On XX/XX/XXXX, I explained, that I would no longer need the assistance, and they reported in XXXX and XXXX. 

I also made a new car purchase with XX/XX/XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX in XXXX. I believe that if they would have reported the payments in XXXX, XXXX, and XXXX, i could have received a better interest rate. 

I have placed numerous calls and nothing has been resolved. The case number is XXXX. 

My resolution is for them to report to the agencies the correct payments of XXXX, XXXX and XXXX My name is XXXX XXXX, and I can be reached at XXXX XXXX XXXX or by cell at XXXX XXXX XXXX.
Consumer complaint received 2020-11-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2023-01-29
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. (FL)

I acquired my credit report and asked the credit bureaus to check and make sure everything was complete and accurate according to 15 USC 1681 ( 5 ) I waited 30 days and received my investigation and notice everything was not accurate and improper use of my credit report, nothing was deleted. Additionally the creditor agreed to remove account and did not. The consumer reporting agencies which is XXXX and equifax did not properly conduct a thorough investigation for all information for account with XXXX XXXX XXXX : The status updated is not correct, status, balance updated, payment history on all three credit reports, date of last payment is not correct on three credit reports Which is a violation. This is impacting me from moving forward to buying a house for my family. 
I attach my previous credit report and my new credit report to show how XXXX  and equifax violated my rights.
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 — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

A certified letter ( Tracking number : XXXX ) dated XX/XX/2021 was sent to TransUnion showing inaccuracies found on my credit report requesting these inaccurate items to be removed from my credit report. This deletion request letter was accompanied by supporting factual evidence from my credit report. 

As of today, more than 50 days have elapsed since this deletion request was filed with TransUnion. Again, on XX/XX/2021, a second letter was sent to TransUnion demanding that they comply with the deletion request as mandated by the Federal Regulations ( FCRA section 609e, 611, 623 ). 

TransUnion has continued with the unlawful reporting of inaccurate information that has resulted in the loss of employment, business opportunity, denial of credit, and loss of financial standing. To this very day, TransUnion has failed to provide a proper investigation as mandated by FCRA and court rulings that require a proper investigation with supporting evidence. TransUnions act of unlawful and inaccurate information reporting continues to go on unabated with full knowledge of their willful and negligent conduct that undermines my credit as a consumer. 

I hereby request the involvement of CFPBs assistance in ensuring that TransUnion complies with the regulations outlined by FCRA.
Consumer complaint received 2020-10-30
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: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

On XX/XX/2017 Portfolio Recovery Associates XXXX added a derogatory mark on my credit report per XXXX, Upon, further research, this account was transferred / sold and I am no longer responsible for the account. Debtor 's creditor did not verify this collection. Also, there was NO written form of communication, contract, or signature for this accused debt at all. A bill without a written signature does not validate the debt and anyone can send a bill and say it belongs to me. According to the FRCA, Portfolio Recovery Associates XXXX has violated my rights as a consumer and I'm requesting legal action to remove this immediately.
Consumer complaint received 2020-08-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

To Whom It May Concern : This letter is in response to your recent claim that the accounts below has verified that the accounts they are reporting under my name is accurate. 

1. ( XXXX XXXX XXXX XXXX XXXX Account # XXXX ) 2. ( XXXX XXXX Account # XXXX ) 3. ( XXXX XXXX Account # XXXX ) I advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( 15 ) days of the completion of your re-investigation-This was not done. 
I requested you produce copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to this or remove this item from my credit profile-This was not done. 
Any automated response or E-Oscar verification is unacceptable. I am requesting a reinvestigation AND your Method of Verification. 
Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the the Texas Attorney Generals office as well, should you continue in your non-compliance. I further remind you that, as in XXXX XXXX Trans Union Corp., No. 95-6445 (  C.D.Cal. XX/XX/XXXX), you may be liable for your willful non-compliance. Section 609 states collector did not verify, " Section 609 states that you're required to send me the original paperwork that verifies this account with my actual signature ; otherwise, this is false information! '' You were advised if not provided ( which you did not to remove immediately ). Furnish immediately the signed contract or remove this account immediately. Accounts are unknown, collection, remove immediately for unknown collection. Remove this account. Because you could not provide Proof of collection validation, method of collection verification, nor furnish immediately the SIGNED CONTRACT or ELIMINATE this account immediately.
Consumer complaint received 2024-11-29
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: PENTAGON FEDERAL CREDIT UNION (HI)

PenFed has the following promotion and they have missed the second bonus payment per their own terms and conditions. The latest customer service agent is making up their own terms which are inconsistent with PenFeds actual terms and conditions which I am providing below : 1. To receive each of the monthly {$25.00} statement credits, you must spend at least {$300.00} each month using your PenFed Credit Card ending in XXXX during each month, XXXX, XXXX and XXXX. If you spend {$300.00} in each three of the above timeframes, you will receive an additional {$25.00} bonus as a statement credit. The statement credits will be applied to your account within 4 weeks after the end of the promotional period in which it was earned ( XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ). This limited-time offer is only valid for the credit card number referenced above and is nontransferable. Cash back will be awarded in the form of a one-time statement credit and does not affect your minimum payment due. Cash advances, credit card checks, and balance transfers do not contribute towards the {$300.00} purchase minimum for each month. Each account is eligible to earn one statement credit of {$25.00} during each month of the promotional period stated above plus one bonus {$25.00} statement credit if {$300.00} is spent in each month of the promotional period. 

The customer service agent told me via email that I wont get my XXXX payout until four weeks after XX/XX/XXXX. However, if you actually take the time to read the terms above, the agent is clearly wrong.
Consumer complaint received 2024-10-13
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: U.S. BANCORP (AL)

I paid my credit card bill off in full back on XX/XX/year> for over $ XXXX. It turns out US Bank diverted my payment to new charges I made and did not allow that pay off to pay off the longstanding extend pay I had. That came from 2 representatives on a recorded phone line. 
They both said the money was put to new charges and did not pay off the extend pay. The supervisor said it was because I was " locked in '' to the time frame of the extend pay. 
Why does the gov allow these despicable companies to do this - to divert my money to charges that were brand new instead of paying off the extend pay so US Bank can get an extra {$3.00}? 
Poor poor US Bank- maybe one day these XXXX people will finally have enough money after they have robbed us of all of ours. 
And XXXX you US Bank for your awful customer service- as usual!! 
Too bad you're not investing all of the money you've stolen from your customers into training your XXXX staff. 
I want my {$3.00} back!!! 
Also, the company has a history of fraudulently charging interest when I have paid my bill in full every month. 
They have had to reimburse me twice- and it's probably happened more than that since this company is clearly despicable, unethical, and criminal.
Consumer complaint received 2020-08-17
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: Experian Information Solutions Inc. (FL)

I have been disputing some items on my credit report consistently for almost a year now and I haven't received any results or response throughout this process. I'm really trying to progress forward in my life and there are items on my report that hinder this. I haven't received any response for them and it's frustrating because I can't get a home or even get jobs because of some of these accounts. Something needs to be done.
Consumer complaint received 2020-11-26
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. (AL)

XX/XX/2020, I sent a letter to XXXX XXXX XXXX, after already disputing the account, stating a settlement offer on an account. Upon cashing the money order, they would agree to completely remove all references to this account with all the credit bureaus, agree to not list as paid collection or settled account, and agree payment was satisfying the debt in full. I also requested settlement within 15 calender days from receipt of payment. On XX/XX/2020, the XXXX XXXX money order, # XXXX was cashed. As of XX/XX/2020, I have not received any notice and the account is still showing on my credit reports, and still listed as active and showing a balance due and not settled. I disputed the entry still being on my credit report with Experian, sent them a copy of this letter and money order and they came back as verified account but did not remove and said it would remain. I request all references to be removed from my credit reports, as they have agreed to my settlement terms by cashing the money order, and it is beyond the 15 calendar days since received.
Consumer complaint received 2023-05-18
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (FL)

I received a prepaid mastercard Vanilla Card valued at {$50.00} from my employer as a gift. I registered the card online using the website on the back of the card. It said the card was activated and had a balance of {$50.00}. I wanted to use the card to make a purchase online but needed a zip code associated with the card. I went back to the cards website and looked for a way to add a zipcode to the card but there is none. I read online that if I created my own account on the VanillaCard website that I could assign a zipcode that way, so I attempted that and then the website loaded an error page when I tried to access the account. I called the company toll free number and waited 45 minutes on hold before reaching someone who confirmed my card had been deactivated and needed to be replaced. They said I would need a receipt, which I do not have. This is absolutely fraudulent.
Consumer complaint received 2020-08-17
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Debt Recovery Solutions, LLC (AL)

This is in reference to closed case XXXX XXXX XXXX of Debt Solutions responded to the CFPB on XX/XX/2020 that they have instructed the credit reporting agencies to remove the account from my file and documentation of the debt would be provided. 

As of this date, non of the above has happened and Debt Recovery Solutions continues to report the debt as a valid debt ( XXXX  XX/XX/2020, XXXX  XX/XX/2020 ) I have tried on several occasions to reach out to XXXX XXXX at the number provided leaving voicemails asking for a call back however I have received no response as of this date.
Consumer complaint received 2020-11-26
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 — Problem with personal statement of dispute
Company: AMERICAN EXPRESS COMPANY (WA)

I took a settlement with AE to pay for less. 
They are still reporting that i owe monthly payments even though i do not. 
It has been charged off and settled. 
Please have the acct removed.
Consumer complaint received 2020-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR)

I am XXXX XXXX XXXX  advocate She passed away XX/XX/2020. 
I sent in 3 reports with XXXX XXXX and all pertinent identifying info to each credit agencies now 6 weeks ago to freeze here reports.i received a credit report from experience but nothing else from the other two with no credit freeze info industry acted. Useless. 
My name is XXXX XXXX XXXX her roommate and I have POA. Sent in a copy of this also. 
What a response and credit freeze applied. Have cancelled all her CC etc.
Consumer complaint received 2022-09-21
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Nevada Credico, Inc. (NV)

I had a XXXX in XXXX for a XXXX XXXX. I had 2 bills that were issued after insurance company had paid and I had paid what I was told was my portioon. I went round and round with the two differect collection companies until I could find out what the bills were for. Once I did, I paid the bills. 

Now, on XX/XX/XXXX I received a call from " Quantum Collections '' saying that I owed {$3000.00} for a mdical bill from the Hospital. I said that I did not owe any more money, I ask what the bill was for and was told again that it was for services from the hospital. So I asked what procedure it was for, at which time the caller got rude and told me that I would be sued if I didn't pay. I blocked the caller, because after my erlier experience, I know I don't owe XXXX more money. Now, I often calls for which my call blocker notifies me. Today I received 3 calls and I am tired of them and think its time that they are exposed for the scammers they are. FYI, They also call from XXXX and XXXX.
Consumer complaint received 2020-08-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

THESE ACCOUNTS LISTED DO NOT BELONG TO ME SOMEONE STOLE MY INFORMATION TO OPEN THESE FRAUDULENTS ACCOUNTS I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX   CRAS. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and XXXX XXXX XXXX for other possible violations of the law.
Consumer complaint received 2020-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC. (AZ)

On XX/XX/XXXX I received a notification that Ally reported to the Bureaus that my load was paid and previous balance was outstanding. This dropped my score by 28 points not positively impacting my credit.Our loan with Ally had been perfect never late.
Consumer complaint received 2022-12-09
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: JPMORGAN CHASE & CO. (LA)

Chase bank refused to cash a check because I didnt have an account with them. The branch is in XXXX XXXX Louisiana. The check was written by their customer. I had to back to the customer and tell them the bank manager said they cant write checks to anyone that doesnt have a bank account with them.
Consumer complaint received 2021-12-09
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I requested an investigation and the removal of the charge-off status. No changes were made. No investigation was conducted at all. You had optimal time to review this matter and make the appropriate corrections, you elected not to.