davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-27
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: CONTRACT CALLERS INC (WI)

On XX/XX/2020. Contract Caller Inc added a derogatory mark on my credit report per Identityiq. Upon, further research, this account was transferred/sold and I am no longer responsible for this 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 signature does not validate the debt and anybody can send me a bill and say its mines. According to the FCRA Contract Caller Inc has violated my rights in multiple ways and I'm requesting legal action to remove this account Immediately.
Consumer complaint received 2020-08-27
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: JPMORGAN CHASE & CO. (TX)

I became a victim of identity theft in 2010 and I have been trying to resolve issues with various banks regarding bank accounts being opened in my name. I have disputed the accounts through XXXX XXXX, XXXX, etc and I have not been successful in getting the accounts removed due to fraud. The banks in question or XXXX XXXX XXXXXXXX, XXXX XXXX, and Chase. I have contacted these banks numerous times with the past 4-5 years. I have been given the runaround or that the debt is too old and can't be disputed. This has caused me to not be able to open a bank account due to the negative information being associated with my driver 's license number or social security number.
Consumer complaint received 2020-08-27
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: GOLDMAN SACHS BANK USA (FL)

I have had ongoing issues with this company. First I had close to XXXX worth of fraud charges done in 8 separate transactions on my card XX/XX/20. I immediately called and had the card locked. In another complaint Ive issued they had done ever provisional credit incorrect and I had to call countless times to get them to fix. Finally those were put on my card. On XX/XX/20 I get an email stating Ive withdrawn one of the disputes in these fraud charges of {$190.00} and since I have withdrawn it would be in favor of merchant and it was put back on my card. I NEVER withdrew. I immediately called when receiving that email and they said of course I didnt they would issue the dispute again. They have not and it is still on my card. Payment is in 4 days and it will hit my perfect credit history. Attached is all of these transactions and the total about from this merchant. Adding all together and subtracting the XXXX they have taken out they have not given me back full correction adjustments. I have yet to receive a call back from their escalation team and complaint department that I was assured would be calling me because of how many things Ive had to go through and beg to fix.
Consumer complaint received 2022-09-17
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. (GA)

I am a real and natural person who is submitting this complaint. On XXXX XXXX, XXXX, I wrote a letter to the credit bureaus asking them to verify every piece of information reported on my credit report. Transunion sent me a letter in the mail on XXXX XXXX, XXXX, stating all information has been verified and updated on XXXX XXXX XXXX account # XXXX. According to my credit report, which I looked at on XX/XX/2022 there are still existing inaccuracies that are showing the open date is inaccurate, the date last active is inaccurate and the date last reported is inaccurate. This is grounds for removal they also violated my rights under 15 U.S.C. 1681 section 602 A. States I have rights to my privacy.

15 U.S.C 1681 section A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2020-08-28
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: CITIBANK, N.A. (TX)

I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days. I am also aware that the credit bureaus have been given and additional 15 days due to Covid-19 to reply to investigation. That time frame has also pasted. I haven't received any investigation results.
Consumer complaint received 2020-08-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (CA)

I am banking with wells fargo, i opened a line of credit with XXXX XXXX to improve my credit. I sat up automatic payments to come out of my account every month on the XXXX and XXXX on ky paydays for genesis card services to debit money from my checking account to pay of the credit card every month. The first two payments of {$200.00} totalling {$400.00} they tried debiting from my account that had of {$5000.00} in it Wells fargo kept declining the transactions because they assumed it was suspicious activity i told the bank on numerous occassions that its my money pay the company. Wells fargo said they would authorize the payments but they failed to do so. In turn the credit card company suspended and closed my credit card account and reported me negatively to all 3 major credit bureaus. I walked into the wells fargo branch sat down with a manager for her to rectify the situation nothing has not been done. I feel as though as i am being racially discriminated against. I deserve to have good credit like everyone else. They messed up my credit they need to dp something to fix it.
Consumer complaint received 2020-07-06
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. (CA)

In early XXXX, XXXX, I had a numerous fraudulent charges on my Citi Double Cash Credit Card after visiting XXXX XXXX XXXX XXXX. Citi refunded the fraudulent charges and refunded me the credit of {$300.00} in XXXX, XXXX. Subsequently, I received a statement that I owe Citi {$840.00}. 

I have called 5 times since XXXX, XXXX to gather information on these new charges. Citi is not able to explain the {$840.00} in new charges. I tried again on XX/XX/XXXX to call Citi and after holding for 30 minutes, I was told that no customer service representatives are available at this time. 

I request assistance to correct the fraudulent charges so I can cancel my account. 

XXXX XXXX, MD XXXX XXXX XXXX XXXX, CA XXXX XXXX
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 — Personal information incorrect
Company: EQUIFAX, INC. (TX)

In XXXX of XXXX I sent Equifax a letter requesting to have my personal information updated as they had several erroneous addresses being reported, some were addresses I have never lived at. Their first response was that I did not send enough information for them to properly identify me. I responded by sending them my home address and my social security number requesting again to have my information updated to the correct information. I was asking them to update my current address to my po box address and to remove my date of birth, my work history, and the wrong addresses ( 8 in total ). The second response I received from them was that I still did not provide enough information for them to make the requested updates and to send in a copy of my social and also a proof of address for the po box . I submitted the requested documents to them, and they received them XX/XX/XXXX. I am submitting this complaint because the information still has not been updated as I requested. They removed all of the old addresses, but are still displaying my full date of birth, my home address and my work history. I am frustrated at this point because I wish for my rights to privacy to be respected. I specifically stated in the letter I do not wish to have my home address publicized. I do not feel I should have had to make this many attempts just to have my personal information updated, especially after I have given them all of the proof they need to show I am who I say I am. I would also like to add that all of my correspondence with Equifax has been through my po box . They have not sent anything to my home address.
Consumer complaint received 2023-05-23
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: EQUIFAX, INC. (GA)

This is my 6th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$880.00} XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX
Consumer complaint received 2020-07-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A. (IL)

Not allowing either robo-investing/saving accounts to link to my PNC account. It's 2020, they should have a way of playing nice. I have previously tried to link my PNC account for usage with XXXX. I was unable to link it so that the " rounded '' amount could be transferred. However, I was unable to do so since PNC says they want " too much information ''. As a result I have since stopped using my PNC debit card and pivoted to using credit cards solely ( something I am sure PNC can attest to, and probably misses the fees associated with those charges ). I attempted to sign up for an account with XXXX as  well and have run into this issue again. 

It almost seems like PNC wants me to close my account and move to a more tech and future friendly bank.
Consumer complaint received 2020-07-06
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: PNC Bank N.A. (NC)

I am unable to connect my bank account in an effort to pay an invoice using XXXX. XXXX has teamed together with company XXXX   to allow my bank account to connect with my invoice. PNC has made a recent change that prevents me from being able to link my accounts. This has made it difficult to pay my bills.
Consumer complaint received 2020-07-06
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC (FL)

I started a VA 'streamline ' refinance application with Quicken Loans ( QL ) on XX/XX/XXXX. I was told that I would be closing in XXXX back in XXXX to which I requested information regarding why I did not hear about the closing details ( phone record to XXXX, XXXX should be with QL regarding his assertion I would be closing in XXXX ). When that failed, I gave the benefit of doubt that due to COVID, they were behind and he assured me they would be able to close in XXXX ( Phone records should also show this by QL ). I called their company to find out why it was taking so long and the representative stated it does seem unusually long beyond even the 'normal ' delays/circumstances for it to be still waiting for closing ( 77+ days and counting ). I should have closed in XXXX starting my savings of well over {$600.00} dollars a month, only to be still here in XXXX without a closure to my refinance. To top it off, the client care specialist stated that 'Due to COVID restrictions verifications are only good for 10 days ' ... ..I would really like to see the regulations that say now due to COVID 'verifications ' are only good for 10 days, otherwise this is harassment on top of being mistreated on the loan process. I attempted to resolve the issue with Mr. XXXX XXXX by requesting the new mortgage rate ( 2.725 % down from 2.875 % ) and at least one month of savings ( {$660.00} estimated ) toward closing since they have failed to close me the last 2 months and now pushing to the 3rd month on a supposedly streamlined VA refinance. I really wished I went with another company, I feel either this team or the company has severely mistreated me.
Consumer complaint received 2020-07-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: JPMORGAN CHASE & CO. (CA)

I've open a Chase Southwest Airlines Card in XX/XX/2020. I've been using the card with zero issues and have paid on the card monthly in multiple payments over my minnuim payment each and every month. On Friday XX/XX/XXXX I attpempted to add my card to XXXX XXXX to make purchase at XXXX XXXX for my daughters graduation gift in the amount of {$1500.00} and the charge was declined and all these fraud hold have been placed on my account. 

I called Chase and was given the run around and was told I had to call on Monday XX/XX/2020 to resolve a fraud hold. I attempted to call and was given the true run around and talked to very rudely by chase representatives. This is insane that a person can be treated so horribly and talked to rudely given I'm a customer with my credit card account in great standing. 

I'm livid that as a result Chase put my card under a 10 day fraud review which is totally unwarranted and huge inconvenience for me and my family. We had to go the entire Holiday weekend without access to my card which was big inconvenience. Chase has discriminated me and my family for making a legitimate purchase.
Consumer complaint received 2023-04-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/2023 at XXXX a total of XXXX was sent to completed to chase to be deposited. When i checked my account I received an error message stating updated balances were not available. I logged in this morning and the deposit has not been reflected on my account despite the confirmation that funds were debited and the instant transfer was completed from XXXX. I called chase multiple times and after an hour on hold with a manager reveiwing my account my call was disconnected with no resolution and no attempt to reach out again was completed. I called another supervisor and they put me on hold and transferred me to a closed department without notice. I've completed the instant transfer service to my account many times over the years and this is the first time I've had an issue. They refuse to rectify it and keep putting me on hold and hanging up.
Consumer complaint received 2021-06-25
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CrossCountry Mortgage LLC (PA)

On XX/XX/2021 I applied for a mortgage at a company in XXXX called cross country mortgage XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CO XXXX. I told the lady my basic information and she said I will have no issue being pre approved. She then about a week or two later said I can not be approved for the convention loan, she was rushing to get off the phone with me. I then emailed her and said I wanted the FHA loan, she never responded to me. I then called another mortgage broker based out of RI within the 30 day silo or shop around period, he pulled my credit and now the median score was XXXX points lower. I then called another cross country mortgage in PA and they said they would have given me the FHA loan. I tried to call cross country mortgage in XXXX from a different phone number I got an answer and the lady said it could be possible to transfer my file to a different office.This office in XXXX is discriminating against me. This does also not explain why my score dropped so much, when it should not have because I was in the 30 day period to shop around for a loan.
Consumer complaint received 2023-04-08
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: JPMORGAN CHASE & CO. (NY)

On XXXX XXXX Account Name JPMCB CARD Account # : XXXX Date opened : XX/XX/XXXX the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal. 
XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX, DE XXXX Phone number ( XXXX ) XXXX
Consumer complaint received 2021-06-25
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: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

I file a dispute with XXXX, XXXX and XXXX and its has been well over 30 days and I havent receive any investigation results.
Consumer complaint received 2020-10-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: MASON MCDUFFIE MORTGAGE CORPORATION (CA)

We refinanced with Mason Mcduffie mortgage corporation. In XXXX we received a notice saying that are loan will get transferred and theyll let us know more when it does. We never received a servicing transfer notice that tells us it has been transferred and to whom are payments will be going to. So we kept sending our payments to mason mcduffie and the money was taken out of our accounts. We then got a notice from a collection agency months later. We now have several late payment fees and a payment that doesnt show. We are in the process of sending XXXX  ( new servicing company ) proof of payment. But they will only credit one late fee. Which is unacceptable. We are never late on payment. And now Im afraid this affected our credit also. There were several phone calls with mason mcduffie about payments made to them and not once was it mentioned were sending the mortgage payment to the wrong place.
Consumer complaint received 2020-07-06
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Simon's Agency, Inc. (NJ)

I'm disputing these three accounts. One for {$260.00}, {$40.00} and {$40.00}. I'm asking for them to prove 100 % verified or validation. So I'm submitting through this site for help. This collection agency has not proved this account is mine. These are medical and they have not sent me qnything. They are in violation of Hippa laws. They have not sent me any of the proof I'm asking for. 
*Assignment clause *Notarized letter of debt purchase *Signed contract from original creditor *Copy of license to collect in my state legally *Signed copy of HIPPA form They are saying it is verified but where's my proof? What methods are you using to verify?
Consumer complaint received 2020-08-27
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: WELLS FARGO & COMPANY (FL)

I have a credit card that was never activated issued by Wells Fargo, and I had never used the card before. In XX/XX/2019. A charge in the amount of $ XXXXwas charged for a hotel stay. The {$740.00} on XX/XX/2019 XXXX XXXX XXXX in XXXX XXXX. I have never flown out of the country to XXXX. I don't even have a passport. 

I filed a fraud report with local XXXX Sherrif 's police department reporting the fraud that was made on the card. I also filed a report to Wells Fargo, and tried to resolve this issue without a resolution at the time that I am filing this complain against them. I have excellent credit, and this transaction is having an impact on my credit score. 

I have a file to send to you, I am not able to submit all of the documents here online. I have over 40 pages of documents. 

I need an immediate resolution, as I been trying to resolve this issue for almost a year now. I even contacted the State Attorney 's General 's Office, and could not reach a resolution there either.
Consumer complaint received 2020-08-27
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Kelsting Group, Inc. (CA)

Debt collection agency : Pacific Credit Services XXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX Telephone : XXXX This debt collection agency, Pacific Credit Services, has been repeatedly sending me default notices on a medical bill that I have already paid the medical provider. The bill is {$44.00}. I called Pacific Credit Services several times and informed them that I have already paid the medical provider  but they still continue to send me default collection notices ( over a period of several months ). When I asked them to get the updated account information from the medical provider so they can stop sending me default notices, they told me they are waiting from the medical provider. I then called the medical provider who informed me they have already notified Pacific Credit Services the bill has been paid. However, Pacific Credit Services still kept telling me there is nothing they can do in the meanwhile and offered me no timeline nor action taken for resolution. I feel that Pacific Credit Services does not have proper and adequate business operations process in place to conduct basic debt collection activity, which is to update outstanding billing balance when the account has been paid! I am concerned that as a result of their inadequate operational process, Pacific Credit Services would continue to send me default notice and then eventually send it to the credit bureau thereby negatively impacting my credit rating. As a debt collection agency, Pacific Credit Services is being irresponsible and has no regard on the consumer 's financial wellbeing.
Consumer complaint received 2021-06-25
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)

Ive disputed several times to TransUnion, XXXX, and XXXX about XXXX XXXX sent the errors reporting across all three.Payment history on XXXX section is reporting 120 days late and TransUnion is nothing reported, XXXX shows co.XXXX is the only one with a payment date of XXXX.The other two no payment.Also different active date. They just keep updating it with no changes which means they are not even investigating.They are saying this meets the FCRA requirements which is not true.
Consumer complaint received 2020-08-27
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: AFNI INC. (MI)

my delinquent account is with AFNI Collection Inc. i am regularly paying {$50.00} a month no payment short but still i received calls from their office ask me to verify my DOB or SS. I told them aim paying as agreed and no payment is short then why i am receiving call. But they just have a good day and hang up.