davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-23
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 disputed the account XXXX  XXXX  XXXX/XXXX  XXXX XXXX  act # XXXX with XXXX, XXXX  and Transunion and the fraudulent, incorrect information is still there. 
I do not know who XXXX  XXXX  XXXX/XXXX  XXXX XXXX  is. 
I have never signed an agreement with XXXX  XXXX  XXXX/XXXX  XXXX XXXX  They should NOT be on my credit profile. This is fraud. 

I disputed the XXXX XXXX XXXX account XXXX with XXXX, XXXX  and Transunion and the fraudulent, incorrect information is still there. 
I do not know who XXXX XXXX XXXX  account XXXX is. 
I have never signed an agreement with XXXX XXXX XXXX account XXXX They should NOT be on my credit profile. This is fraud. 

I sent disputes about the above accounts on the following dates : XX/XX/2020 XX/XX/2020 XX/XX/2020
Consumer complaint received 2022-10-12
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (PA)

PayPal Credit owned by Synchrony attempted to collect a payment from an unauthorized checking account twice, resulting in insufficient funds fees on both occasions. The PayPal Credit website presents options to choose from where you would like to make a payment to your PayPal Credit account. This list of accounts is pulled directly from the PayPal Wallet linked to the same account holder, which is managed and controlled by PayPal and NOT Synchrony. However, the list presented on the Synchrony website contains invalid data consisting of account and routing number pairs which were NOT " verified '' in the PayPal system. Accounts that have not had their ownership verified through the standard PayPal process ( which I can only guess is covered by their legal terms and conditions ) should NOT be presented as a possible source from which a payment can be made to the outside/separate Synchrony credit account. Because I only expected a single line item for my normal checking account, I chose the option clearly labeled " XXXX XXXX XXXX XXXX checking '' and authorized a single payment, but unfortunately, Synchrony attempted to charge the UNVERIFIED account instead of the usual one, as a result of the bad information presented on and by their website. When this payment failed, another attempt was made, resulting in the second aforementioned insufficient funds fee. Synchrony 's representative claims their institution did not make the 2nd attempt but rather PayPal made the 2nd attempt directly. I do not know, but either entity should have had absolutely no way to attempt a payment against an UNVERIFIED ACCOUNT. While I recognize this is not outright fraud as it would be if some entirely other person made the payment illegally, this issue still clearly needs addressed. This is highly misleading, possibly against their own terms of service, and results in financial damages and hardships for people who don't deserve - average consumers.
Consumer complaint received 2022-11-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: JPMORGAN CHASE & CO. (IL)

I received a text message from this company asking me to run my credit I replied NO. I called XXXX to make them aware and would mark it as fraud. it has now shown on my credit report with an address in Nevada.
Consumer complaint received 2019-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

In XXXX, 2019 I entered a written dispute with XXXX XXXX XXXX reference account number XXXX as contained on my consumer credit profile at Experian. Specifically alleged, XXXX   XXXX XXXX was attempting to collect a debt for which I had no knowledge and alleged was fraudulently opened by an unknown third party. Moreover, said account was appearing twice on my consumer credit profile notwithstanding the allegation of a single debt owed. 

XXXX XXXX XXXX failed to investigate, verify, or validate said debt. Although I also filed a cease and desist demand with XXXX   XXXX XXXX an absolute requirement of the Fair Credit Reporting Act is to report said debt as disputed pending resolution of an investigation. XXXX XXXX XXXX failed to report said debt as disputed and failed to conduct an investigation into my allegations of fraud. As such, my credit worthiness has been negatively impacted by the erroneous reporting of this account. 

A review of records compiled by the state XXXX XXXX XXXX XXXX in Florida indicates that XXXX XXXX XXXX is not currently licensed to conduct business pursuant to section 559, Florida statute. As such, the imposition of this debt and the erroneous reporting to Experian is an unfair and deceptive trade practice. 

Several phone calls to XXXX XXXX XXXX have met upon deaf ears. When I called to inquire on the status of the disputed account, I was advised that Florida licensing was not required. I was further advised that the debt remained due notwithstanding a lack of validation and claim of fraud. At this point the call was terminated. My written dispute remains outstanding. Said account remains on my Experian credit report notwithstanding the existence of a dispute, lack of validation, and my allegations of fraud.
Consumer complaint received 2020-06-23
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. (AR)

For years I been wondering why my credit has never been consistent. I never in a million years would of thought that someone else was using my name and social security number to open fraudulent accounts. I pulled my credit and there were so many accounts open under my name. It is a real upsetting situation that this has happen to me and the outrageous amount of accounts from my report as soon as possible. They do not belong to me. 

CHAPTER XXXX BANKRUPTCYDISMISSEDXXXX
Consumer complaint received 2022-12-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

Privacy and confidentiality under 15 U.S.C. 1681  XXXX  # XXXX, XXXX  # XXXX, XXXX  # XXXX ( ALL THREE HAVE INCOMPLETE ACCOUNT NUMBERS ) ..... 


15 U.S.C 1681 section 602 A States I have a right to privacy 15 U.S.C 1681 section 604 A Section 2 States a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section states : No consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of conviction of crimes which ante date the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-11-03
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: BARCLAYS BANK DELAWARE (AR)

On XX/XX/XXXX and XX/XX/XXXX, two fraudulent charges were made to our Barclays credit card in the amounts of {$970.00} and {$860.00}. These two charges were to XXXX XXXX XXXX XXXX in XXXX, Texas. 
We immediately reported these charges to Barclays and they credited our account. New credit cards were issued. 
On XX/XX/XXXX, the two charges were again posted on our credit card account. We called Barclays and were informed that the merchant had verified our address and name with the credit card number so Barclays felt they were valid charges. We were told that we should reach out to XXXX XXXX & XXXX and were provided the phone number that Barclays had. 
We tried multiple times to call this " merchant '' during normal business hours and at night. The phone number goes to a voice mailbox that has not been set up and will not accept messages. We googled the address of the " merchant '' and found that it is a residential home in XXXX, Texas with no signs or indication of a business. The " merchant 's XXXX page had only 2 followers as of XX/XX/XXXX, and had not been updated since XXXX. Their XXXX page had 0 followers as of XX/XX/XXXX and does not have any activity or posts. 
We called the XXXX, Texas Police Department and were told that they know of no business in their town named XXXX XXXX XXXX XXXX XXXX. They advised us to file a police report with our local authorities, which we did. 
On XX/XX/XXXX, my wife spoke with a Barclays fraud department representative named XXXX & explained our frustration that Barclays had not investigated further. XXXX told her that the charges were for paint protection, headlight restoration, and auto glass replacement. She did not tell us what type vehicle the work was done on or provide any further information. She said we could file a claim to dispute again ( which we did ) but as far as they were concerned the charges were valid and the investigation was closed. 
We live in XXXX XXXX, Arkansas, which is 298 miles from XXXX Texas. We would not reasonably take a vehicle that far to do auto repair work. From our valid credit card charges on the same days, it is obvious that we were not in Texas at the time these purchases were made. 
We have never done business with any merchant named XXXX XXXX and XXXX in XXXX, Texas. From our own investigation, we feel this is not even a legitimate business. We regret that Barclays did not feel the need to further investigate these transactions.
Consumer complaint received 2020-06-04
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: EQUIFAX, INC. (LA)

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 are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown ac-counts from my credit report as soon as possible. 
XXXX XXXX {$3100.00} XXXX  XXXX {$2500.00} CHAPTERXXXXBANKRUPTCYXXXX  {$0.00} CHAPTERXXXXBANKRUTPCYXXXX-XX/XX/20-XXXX-XX/XX/20 {$0.00}
Consumer complaint received 2019-10-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: MoneyLion Inc. (TX)

Hi, As of XX/XX/XXXX, I havent been able to log in to Money Lion checking account. I called innumerable times since then, talking to incompetent customer service agents and supervisors that tell me the ticket has been escalated ( more than 3 times ) and that their engineers have been working on it ( for almost more than a month now ) and I still havent been able to access my own account or pay certain bills ( that require transfers ). A few times in the past, they withheld funds that I tried to transfer to pay my car payment and credit card, and I was charged late fees for returned payments, even though I had the money in my account. I have not been able to see my account information, know my account number, or see my own investment fund. I have to call them to know transactions and balances, and they still have not fixed this issue. Every time I call, they act as if its the first time Ive spoken with them, and I have to start all over. Theyve also told me Im not the only customer in this situation. Im sure this is borderline illegal. Please help.
Consumer complaint received 2021-06-04
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: WRJ Holdings, LLC (GA)

For on time payments made XX/XX/2020 and XX/XX/2020, the amount applied to principal was incorrect. More was applied to interest than principal. I compared the amortization schedule given at closing to the print out of payments made through the course of the loan. I approached XXXX XXXX about the discrepancy and was told she would reach out to her boss. After several calls I was able to reach her and she informed me her boss would not make any adjustments. For XX/XX/2020, of the XXXX payment made, XXXX was applied to principal ; however, according to the amortization schedule, XXXX should have been applied to principal. For XX/XX/2020, of the XXXX payment made, XXXX was applied to principal ; however, according to the amortization schedule, XXXX should have been applied to principal. We were totally ignored and brushed off.
Consumer complaint received 2020-05-06
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)

I live in California. I purchased baseball tickets from a company called XXXX on XX/XX/XXXX for a game in New York on XX/XX/XXXX for {$140.00} using my Wells Fargo debit card. 
Because of the Covid -19 situation, I quickly changed my mind about attending the game and I planned to resell the tickets. However, to this day, I have not received the tickets or an answer from the company. 
I open a dispute with Wells Fargo and they told me I had to wait until XX/XX/XXXX, the day of the original game, to see if I receive the tickets. 
I received a letter on XX/XX/XXXX from Wells Fargo stating that since the purchased was made from me or an authorized person, the dispute was decided against me. 
I never disputed I made the charge. I disputed I never received the product I paid for.
Consumer complaint received 2019-10-03
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: PNC Bank N.A. (CA)

I opened a PNC Virtual Wallet with Performance Select account and funded the account on XX/XX/2019. PNC was running a promotional offer at the time where depositing {$5000.00} and peforming 10 debit card transaction would result in a {$300.00} bonus. The bonus was meant to be payed out 60-90 days after all conditions were met. 

On XX/XX/2019 after meeting all requirements I contacted PNC through secure message and asked them about when the bonus would post to my account. On the same day PNC responded saying funds would post in 60 days and to give them some more time.

On XX/XX/2019 I contacted them asking for the bonus. Again, I was told to wait a little more time for the bonus to post to my account.

On XX/XX/2019 I contacted them asking about the bonus. Now I was told the {$5000.00} deposit I had made does not qualify as it was not a direct deposit of the type they were expecting. 

At this point in time my money had been tied up with PNC for an extended period of time and PNC had committed fraud - stringing me along for months when they should have made their terms clear back on XX/XX/XXXX. They had access to my funds for half a year. 

I contacted PNC letting them know this was unacceptable and they brought in their retail escalation department. I had several conversations with a representative ( 'XXXX ' ). After reviewing my case the representative stated that PNC was going to pay the bonus despite not meeting their direct deposit requirement. Some paperwork had to be completed and she would get back to me in a couple of days. 

XXXX never contacted me again. I left several voicemails asking her to call me back and never received a callback. Finally months later I contact the retail escalation department and a different representative said he would look into the issue. His response after investigation was PNC was not going to pay out the bonus they had promised. PNC seems to have conveniently forgotten the conversation I had with XXXX. 

Additionally all my secure message correspondence showing PNC fraudulent behavior stringing me along for months has been deleted from my secure message account. Luckily I had the foresight to save the correspondence. I have attached it below.
Consumer complaint received 2022-10-13
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: HYUNDAI CAPITAL AMERICA (CO)

I bought a brand new XXXX Kia XXXX, after only XXXX miles the engine went out. The car was covered under the warranty that I purchased or that was provided. At the time of repair I was told by the dealership to get a rental on my own and seek reimbursment for it because if I got one through the dealership it would be over 1 month wait time. I have a signed contract from Kia Motor Finance stating they will reimburse me for the rental within 6 weeks but it's been well over 12 weeks and they just keep saying that they only cut checks on XXXX and that they have a lot of customers waiting for their promised reimbursements. XXXX and the XXXX is full of similar complaints. If this company doesn't have the funds to cover checks that they contractually promised within a certain time frame then they need to be filing or bankruptcy. They promised to pay within a certain time and that time has come and gone. They dodge calls and give XXXX answers when you do get in touch with someone.
Consumer complaint received 2020-05-05
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: EQUIFAX, INC. (TX)

I reached out to all three major credit bureaus informing them of the errors that they are currently reporting. I am in the process of purchasing a home and was horrified to discover that my information must have merged with someone elses, because none of what I am seeing is familiar. I AM NOT THE OWNER OF THESE ACCOUNTS. I need them removed immediately. They are causing me distress and impacting the quality of my life. The items that they have been put on notice to remove are as follows :
Consumer complaint received 2019-10-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: BARCLAYS BANK DELAWARE (TX)

Ive been a card member for Barclays for almost a year and great payment history and never been late or had any problems using the card now I called twice to have my credit limit increase so I can manage my credit card balance and utilization and I had my credit report pulled twice in one year and I was turn down due to mutiple fraudulent inquiries and I explain to the credit rep that I was a victim of fraud with XXXX XXXX and XXXX ... and she told me I have to wait few months and it was a big waste of my time and I lost 10 points off my credit report due to phony credit limit increase declined
Consumer complaint received 2020-07-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (OR)

My wallet was stolen on XX/XX/XXXX. The person that stole my wallet proceeded to spend {$920.00} from my account before I realized I no longer had my wallet. I called Wells Fargo immediately to report it and then called the police to file a report. On XX/XX/XXXX I went in to a Wells Fargo branch to make sure that the account was closed and get a debit card for the new account. On XX/XX/XXXX I called to check in with Wells Fargo about the status of my claim. I was on the phone for 1 hour and 3 minutes ( most of it I spent on hold ) for the agent to tell me that there was no way for the  security of a debit card with a chip to be bypassed and that I must have been the one to authorize the charges. I called the police officer who is handling my case immediately afterwards. He told me that they do in fact have a picture of the man that took my wallet and used my cards and they were working on identifying him. On XX/XX/29 I received a letter in the mail formally stating the information that the agent had told me on the XXXX. I called the number provided to see if I could speak with someone else and the agent on the phone told me that mm case was closed and would not be reopened. As soon as I got off the phone I went down to the closest branch to speak to someone in person. They made an appointment for me and asked me to return at XXXX with the police report. Due to it being an ongoing investigation they were not able to provide me with the report but a confirmation that a report has been made. I returned for my appointment and waited 45 minutes beyond my appointment time for someone to see me. At this time the banker ( XXXX XXXX ) filed an Escalated Complaint for me and said I would receive a call shortly. It is now XXXX. 9 days since the complaint was filed and Wells Fargo has not contacted me.
Consumer complaint received 2020-05-06
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: CITIBANK, N.A. (UT)

I was caught in XXXX during the outbreak of the coronavirus. I booked my hotel tickets through an agency called XXXX, and paid this entity via my Citi card. 

When the coronavirus outbreak occurred, I tried to call XXXX to cancel my reservation or change it so I coukd return early to the USA ; the border to XXXX had just closed and zi didn't want to be stuck in XXXX with my XXXX children. 

XXXX was non-responsive. No body picked up and, later ( when I was finally able to access their website ) it just apologized for any inconvenience. 

I disputed the charge with XXXX with my Citi card. Citi just closed it today, for no reason - nobody reached out to me to determine what happened. And XXXX XXXX website pretty much outright says that there's a loophole, that if you didn't use your reservation then too bad - you still have to pay. 

How is Citi providing protection to its customers? I want my {$1300.00} back. Citi closed my dispute without asking me ANYTHING. 

I am a single mother and this trip was something my children and I had really really wanted. We would have loved to have stayed in XXXX. But we couldn't. 

I want Citi to refund me my {$1300.00}.
Consumer complaint received 2020-05-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: U.S. BANCORP (UT)

I am supposed to receive my XXXX from US Bank with my unemployment funds on it. 
It has been several weeks and I have called almost every day and have been on hold for hours ( 4 hours today ) and no one will answer my call to tell me where my card is. 

The Utah unemployment office told me that I have to talk to US Bank in regards to my card. 

It is not my fault that I lost my job and I need my money because I am behind on my bills. 

This is very unprofessional on the part of US Bank, and I feel like I am being scammed out of my money because I filed for unemployment on XX/XX/XXXX, and it is now XX/XX/XXXX and no card, no money. No one will answer my call. 

The past few days when I have called I have waited for at least two hours and their phone is just dead and I have no idea whether I am still on hold or not.