davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-05-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (VA)

The complaint is with Wells Fargo located at XXXX XXXX XXXX XXXX VA XXXX. My contact there is : XXXX XXXX. Her phone number is XXXX On XX/XX/XXXX, I wrote a check to the XXXX XXXX XXXX for sailing lessons for which they did not deliver. On XX/XX/XXXX, I went to the bank on XXXX XXXX and ordered a Stop Payment on that check. The person who issued the Stop Payment was XXXX XXXX. I have the original copy. On XX/XX/XXXX, the check was processed through my checking account. On XX/XX/XXXX, I went to the bank and filed fraud charges and gave them contact information as to who actually cashed the check. On XX/XX/XXXX, I received a letter from the XXXX XXXX XXXX XXXX XXXX that the issue needs to be resolved directly between myself and Payee. On XX/XX/XXXX, I received another letter from XXXX XXXX stating they would not honor my request for reimbursement. They recommended that I follow up with the Payees. I am attaching the letter of XX/XX/XXXX for your review. 

I am requesting that the {XXXX} be placed in my checking account. I believe Wells Fargo has been dishonest and unethical. I have been a long standing customer with them and expect better customer service. 

Thank you for your consideration. 

XXXX XXXX
Consumer complaint received 2024-11-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

XXXX XXXX {$9800.00} This complaint hasbeen filef to pursuant to Fcra 605B 15usc 1681c-2 that you transunion creditreporting agency block my information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business daysof you receiving this complaint this fraudulent, inaccurate and false information consists of personal credit cards accounts opened at XXXX XXXXXXXX and XXXX XXXX XXXX These accounts have resulted in several fraudulent chargeoffs appearing on my consumer XXXX credit report.i have attached a copy of Ftc identity Theft Affidavit # XXXX as proof from the Us Ftc that all of aforementioned consumer credit accounts and chargeoffs are a result of identity theft and fraud.
Consumer complaint received 2018-10-25
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: CITIBANK, N.A. (UT)

XXXXXXXX XXXX client XXXX XXXX is a victim of identity theft. His information was used without this consent to apply for several credit cards. While no accounts were established the fraudulent applications left inquiries on his credit report that have a negative impact of his credit information. The applications were submitted to CBNA/Best Buy XX/XX/XXXX, XXXX credit card XX/XX/XXXX, XXXX XXXX XX/XX/XXXX. Official disputes were mailed certified mail with return receipt to each office on the same date XX/XX/XXXX, as of this date none of these offices have replied to my client to the status of these disputes. This is a violation of the FCRA and my clients federal consumer rights.
Consumer complaint received 2024-11-08
Product: Credit reporting 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 seeking your help regarding the incorrect account appearing on my credit report. This concern has impacted my reputation as a customer, and Im requesting your assistance. Please ensure these accounts are removed as they are inaccurately and negatively affecting my report.
Consumer complaint received 2019-05-06
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: BARCLAYS BANK DELAWARE (AZ)

This is a bait and switch complaint. 
I am writing to request Barclay 's and XXXX XXXX   honor their joint offer and post XXXX reward miles to my account. In XX/XX/XXXX, I applied for the Barclay 's XXXX XXXX XXXX XXXX Mastercard on an international flight. The flight attendant enthusiastically described how easy it was to take advantage of the XXXX bonus miles, " Just make a purchase, any purchase, within three months. It could be a pack of gum! '' She made it clear that there was a {$95.00} annual fee and the brochure also made that clear. What was not clear, either in the airlines ' presentation or on the brochure/application, was that the {$95.00} fee needed to be paid in the first 90 days. 
Here are the facts of my complaint. As soon as I received the card, I made a charge on XX/XX/XXXX of {$140.00}. I could have paid it in full as I normally do, but opted for the monthly minimum payment so the card would show activity and that I was paying interest in good faith. I figured it would take several weeks for the miles to post. I called the XXXX  number twice in early XXXX to follow up on when the miles would post. I was told each time that it takes a while and to be patient. In XXXX I called again and was directed to Barclay 's to inquire. On XX/XX/XXXX, I called Barclay 's and was told that the {$95.00} annual fee needed to be paid within the first three months. I had paid three {$27.00} payments totaling {$81.00}, so was {$14.00} short of the {$95.00}. I opened a case with XXXX, # XXXX.I contacted XXXX XXXX about their joint offer with Barclay 's , but they said they are not responsible. I pulled out the brochure I'd received believing I had carefully read the stipulations. 
This complaint is for bait and switch because there are several stipulations highlighted and footnoted on the first five pages of the brochure, at least three of them relating to the {$95.00} fee, but it is not made clear that {$95.00} must be paid in the first 90 days. I received a letter dated XX/XX/XXXX from Barclay 's stating they are unable to assist with my complaint. This response is unacceptable, so I am following up with the CFPB, the Delaware AG office and the XXXX XXXX XXXX I trust organizations like Barclay 's and XXXX XXXX to participate in good-faith advertising and not traffic in misleading promotions. What happened here may be legal, but violates the spirit of the law. 
Attachments Include : a copy of the brochure/application received in flight, copies of my statements, and the letter received from Barclay 's.
Consumer complaint received 2024-12-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Atlas Credit Company, Inc. (TX)

The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Consumer complaint received 2024-11-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Consumer Name : XXXX XXXX XXXX XXXX, Consumer XX/XX/XXXX : Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX Acct # XXXX Open Date XX/XX/XXXX ( private ), an auto loan account opened at XXXX XXXXXXXX XXXX  Acct # XXXX Open Date XX/XX/XXXX, These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2022-09-20
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. (TX)

I called Equifax Office of Consumer Affairs and spoke with XXXX, agent id number XXXX, and asked if they had received my documentation and they stated that they could not process my documentation nor could they remove any thing on my credit report. They have violated my consumer rights, according to the FCRA 15 USC 1681, for an accurate credit report. Attached is the documentation that I sent to them ; they have 4 days to remove fraudulent information from the credit report.
Consumer complaint received 2022-06-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (CA)

I have tried to communicate XXXX point mortgage, unfortunately I have not been successful. I have now received notices that I am delinquent on my loan, which is impossible since I prepaid my loan. 

I received the attached delinquency notice, which is impossible since I have prepaid my loan. My loan was refinanced at the end of XXXX and here are the scheduled loan payments period Mth Payment Interest Principal Date Balance Starting Loan Balance {>= $1,000,000} 1 ( {$8100.00} ) ( {$4500.00} ) {$3500.00} XX/XX/XXXX {>= $1,000,000} 2 ( {$8100.00} ) ( {$4500.00} ) {$3500.00} XX/XX/XXXX {>= $1,000,000} 3 ( {$8100.00} ) ( {$4500.00} ) {$3500.00} XX/XX/XXXX {>= $1,000,000} 4 ( {$8100.00} ) ( {$4500.00} ) {$3600.00} XX/XX/XXXX {>= $1,000,000} 5 ( {$8100.00} ) ( {$4500.00} ) {$3600.00} XX/XX/XXXX {>= $1,000,000} 6 ( {$8100.00} ) ( {$4500.00} ) {$3600.00} XX/XX/XXXX {>= $1,000,000} 7 ( {$8100.00} ) ( {$4500.00} ) {$3600.00} XX/XX/XXXX {>= $1,000,000} When I received the notice of the delinquency on XX/XX/XXXX, it shows that I had an outstanding balance of {>= $1,000,000}, which is even below what I would owe by XX/XX/XXXX. Attached are my actual payments and loan balances per Shellpoint 's own website. If I have prepaid my loan, how is it possible I'm getting notices of delinquency. This is a gross misrepresentation of what is happening.
Consumer complaint received 2021-01-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: JPMORGAN CHASE & CO. (MD)

I recently applied for a new Chase Freedom XXXX credit card and was asked to agree to " Terms '' that they may take time to review my application. They mentioned that it will take up to 10 days. However, after I submitted my application, I got an email suggesting that I may wait for up to 30 days for the card to arrive by mail or get denied. The dramatic discrepancy in the time frame is preventing me from making a planned purchase. I called Chase, trying to revoke my application of the new card because it will no longer be helpful, but was notified that even though it was pending review ( not yet under review ), they can not cancel my new card application but can only close my account if/when I get approved. Overall, there is misleading information on the card application site and zero customer support about canceling an unwanted application after the fact even though I immediately reached out to them after finding out the unrealistic time frame. This dubious practice should be made known to other consumers so that people think twice before choosing Chase.
Consumer complaint received 2020-01-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

I have an item on my credit report that is not mine. I noticed it because I recently applied for a credit card and I wasn't approved so it prompt me to check my credit report. 
I HAVE FILED A COMPLAINT ON FTC AND HAVE CONTACTED OUR LOCAL POLICE. I AM DOING THIS ON MY OWN.
Consumer complaint received 2019-05-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (NY)

I was traveling outside the country, while working for the Gov't for 6 months or so. When I came home I noticed a massive fraud. Originally Chase only credited me {$3100.00} for the fraud, which they had they reversed which is a total crime. Outside the {$3100.00}, the fraud was massive. All of the following transactions were fraud, in addition to the {$3100.00}. 
ATM Withdrawals : XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XXXX : XXXX XX/XX/XXXX XXXX XX/XX/XXXX : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX Also there were the following wires : XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX Four people have been arrested and charged with credit card fraud and grand larceny, by the XXXX. They were apart of an very organized group. It wasn't only myself who was robbed, it was a massive criminal enterprise. I have told Chase, sent them the police report. The story was even in the XXXX XXXX. They are aware of all this and still haven't given me my money back, even though I paid for protection against fraud and have been a customer for 30 years without an issue.
Consumer complaint received 2020-07-05
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. (NY)

on my loan with XXXX XXXX they reported me late 30 days for XX/XX/2020 they told me verbally on phone it would NOT be reported due to Covid I was a little late NEVER have been before I was waiting for unemployment to kick in I have never been late and was told they will not report they did and it took my score down on ALL # credit reports.
Consumer complaint received 2024-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$400.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  - {$0.00} XXXX XXXX XXXX XXXX XXXX  - {$8000.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$1300.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - {$25000.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX {$13000.00} XXXX XXXX XXXX XXXX XXXX XXXX {$270.00} XXXX XXXX XXXX XXXX XXXX XXXX {$1000.00} INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-11-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

I traded the 2021 XXXX to XXXX XXXX on XX/XX/XXXX, when we purchased a new truck. The dealership failed to pay off the loan on the trade. They said they made a mistake and paid all but {$290.00} of the balance. When we learned it was not paid off, we called the dealership that said it was a mistake and they would next day air the payment. I also called the credit union and explained what happened. I also offered to pay the {$290.00} but they said I had to call back later. I the. Reviewed a letter from the credit union stating that if it wasnt resolved by XX/XX/XXXX, there would be a delinquent mark on my credit. I called the credit union back on XX/XX/XXXX to confirm it was paid in full and they said it was. I am not sure why the reported it as delinquent after I explained the issue, tried to pay it over the ohone, and had it resolved before their self imposed deadline.
Consumer complaint received 2021-11-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process.Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of inquiries that are still reporting on my Credit Reports : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2021-11-04
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: WELLS FARGO & COMPANY (MN)

this company called me out of the blue and said i owed wells fargo {$490.00} from 2016. 

I am not aware of this debt nor has it ever appeared on my credit report. 

they say i have 48 hours to pay or they will take me to court and i'll have to pay thousands of dollars. 

they say they are XXXX XXXX 

they also send me an email which says it is from XXXX XXXX XXXX XXXX and came from the email address XXXX Phone : XXXX fax : XXXX when i googled them, only scams come up and neither XXXX nor XXXX XXXX appear anywhere else. 

they have my full social security number and name and address. they also provided me a wells fargo account number that i've never had and an email address i've never had. 

they refused to provide an address for their company and they couldn't provide a validation notice because they said they are a mediation firm and after 48 hours it would go to legal proceedings. 

i contacted wells fargo and they do not know anything about this. 

i'm concerned that they have my ssn. 

if it is real, i'll pay it, but they can't prove it is real and i don't know what to do as i don't want to owe thousands more as they threatened if i don't pay by tomorrow.
Consumer complaint received 2020-07-05
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$13000.00}, {$8000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$13000.00} -This is not my account. 

2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8000.00} -This is not my account.
Consumer complaint received 2021-11-01
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (NJ)

we have tried to short sell our home but two times we could NOT find suitable housing. Now we are under contract again and the lender is not allowing the short sale nor will they do a deed in lieu of foreclosure. WE HAVE a rental now and would like to take the clause out that we will find suitable housing on the current sales contract.
Consumer complaint received 2021-11-04
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: DISCOVER BANK (NJ)

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft DISCOVERBANK Account Number : XXXX This is not mine.