davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (FL)

On XX/XX/XXXX, I paid off my Citi Simplicity Card in the amount of {$1600.00}. This was the due date for payment. The representative ( I apologize but do not have her name ) alerted me that the account would be paid in full and have a XXXX balance. She even waived the prior month 's interest charges in the amount of {$19.00}. The payment posted to the account on on XX/XX/XXXX. I was then shocked to receive a bill for {$1.00} for the next cycle - 2 days of interest. I thought this would be an easy fix as I had already paid significant interest, paid off the balance and was told the account was " XXXX XXXX '', but sadly I was told they would not waive {$1.00} even after receiving {$1600.00} as they had waived {$19.00}. While I understand that they contractually can charge this, it seems onerous and spiteful to do so. It defies common sense and is some of the worst customer service I have ever experienced. XXXX XXXX XXXX  XXXX XXXX is not going to have any impact on their bottom line in any way, shape or form. 
As a side note, I have already paid off and closed two other accounts with CitiBank due to similar billing and payment issues. My plan was to close this account as well in order to sever any ties with their business.
Consumer complaint received 2020-05-13
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: Riverwalk Financial Corporation (TX)

THE INFORMATION I HAVE LISTED BELOW ARE INACCURATE AND UNKNOWN/ IDENTITY THEFT..I HAVE NEVER DONE BUSINESS WITH THESE COMPANIES OR LIVED AT THOSE ADRESS EVEN MY NAME WAS LISTED 3 DIFFERENT WAYS ON THE REPORT THATS LINKED TO UNKNOWN/FRAUD ACCOUNTS  XXXX and XXXX XXXX- THESE ARE INACCURATE SPELLING OF MY NAME THESE ADDRESSES ARE EVEN INACCURATE OR UNKNOWN I HAVE LISTED THEM I NEED  THESE REMOVED BECAUXE THEY ARE LINKED TO UNKNOWN ACCOUNTS XXXX, XXXX, TXXXXX XXXX, XXXX, TXXXXX XXXX, XXXX, TXXXXX XXXX, XXXX, TXXXXX XXXX, XXXX, TXXXXX XXXX, XXXX, TXXXXX XXXX, XXXX, TXXXXX XXXX, XXXX, TXXXXX HARD INQUIRIES -NEVER DID BUSINESS NOR RAN CREDIT WITH THESE COMPAINES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX RETURNED THE VECHILE AND THEY SOLD THE VECHILE NEVER SENT THE UPDATED PAYMENT AFTER THE VECHILE WAS SOLD THEY NEVER SENT ME THE REMAINING BALANCE AMOUNT AND NOW THEY ARE REPORTING INACCURATE INFORMATION ON MY REPORT FOR YEARS AFTER THE CAR IS SOLD AND THEY WANT ME TOMSTILL PAY THE FULL AMOUNT WHICH IS FRAUD XXXX XXXX XXXXXXXX # XXXXNEVER DID BUSINESS WITH THIS COMPANY UNKNOWN INFORMATION DEVILLE ASSET MANAGEMENT # XXXX NEVER DONE BUSINESS WITH THIS COMPANY UNKNOWN INFORMATION XXXX AND XXXX WITHHELD MY CREDIT REPORT YET ARE REPORTING TO XXXX XXXX AND OTHER COMPAINES INACCURATE INFORMATION.
Consumer complaint received 2020-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (DC)

The requested URL was rejected. Please consult with your administrator. 

Your support ID is : XXXX [ Go Back -- Or, the response is that my information does not match the information in their system, which is untrue. 
-- -- -- -- -- -- -- -- -- - The above information is the information I receive when I attempt to login to My Equifax account. 

I filed a dispute with Equifax initially in XX/XX/2020. When I. noticed the XXXX XXXX remained on my credit report even without supportive data for its existence, I filled a dispute again. The reporting agency restricted my access to its website. When I've called I am routed to representatives who reroute my calls, then I'm hung up on. 

The fraudulent account of XXXX XXXX still remains on my report even without any documentation and changing dates for the start of the account. XXXX and XXXX have both remove the erroneous report, but Equifax will not.
Consumer complaint received 2020-05-13
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO. (IL)

I received a flier in the mail from Chase offering a {$300.00} bonus for opening a checking account. I took them up on the offer and signed up, using my coupon code. The checking account was opened on XX/XX/XXXX ( well before the XX/XX/XXXX offer deadline ). I met all the requirements : open an account, and have direct deposit attached to your account within 90 days of opening it. My direct deposit hit as of XX/XX/XXXX. I never received the {$300.00} bonus. After 90 days, I called Chase on XX/XX/XXXX to check the status. They stated that there was nothing they could do, there was no one I could talk to, and that I should have called them if I didn't see the deposit hit after 21 days. However, this is not listed in the fine print. In fact, the fine print states that the deposit will hit automatically. This is a bait and switch, and false advertising. Chase should be required to honor this commitment and also be prohibited from luring new customers in with cash bonuses when they actively do not honor them.
Consumer complaint received 2020-05-13
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. (CA)

We own a rental property that is vacant and needs work completed before we can re-rent it. We have been trying to unfreeze our TransUnion credit reporting account since last Friday ( XX/XX/XXXX ), unsuccessfully. Today is XX/XX/XXXX. 

Unfortunately this is the only credit bureau used by the financing company to complete the application to get their consumer card to pay for this work. 

TransUnion indicated they have an internal error issue, but have not provided any information as to when the issue will be resolved. Their only response has been for us to call back again for updates. In doing so we have been on hold for long stretches several times. We have a prospective new tenant, however the work must be completed before they can move in. We are looking at having to make a 2nd mortgage payment over the last 2 months, without having rental income to offset the expense. We are concerned with losing this contractor & tenant prospect.
Consumer complaint received 2020-05-13
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (MD)

Our Wells Fargo HELOC Renewal Application was declined due to our debt to income ratio. Wells Fargo requires a maximum rate of 45 % and our ratio is 49 % .There are 3 issues : First, Wells Fargo did not include the dollars we have saved in our traditional IRA accounts to more accurately compute our income they said because we have never withdrawn any dollars from those accounts. We are both age XXXX and do not plan to withdraw any dollars from our IRA accounts until required to do so based on IRS Minimum Required Distribution Regulations Second, we were also told our Well Fargo Advisors XXXX Account IRA dollars that we have saved although a sizable amount is below the {$1.00} million that Wells Fargo requires to be in a retirement saving account to be included in the income computation. Finally, Wells Fargo informed us that due to federal regulations, they could not provide a lower credit line counter offer for it would not pass the federal Benefit to Borrower Test.When we asked for a copy of the Wells Fargo policies on the above issues, that request was denied claiming confidential, privileged and proprietary information. We feel these policies and practices are unfair and discriminatory especially toward seniors.
Consumer complaint received 2020-05-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (TN)

Yes I Was Working On My Credit Report and I ask them to show me Accurate information that i went Through with the Bankruptcy Process. and I sent All My Documents and show my proof and they, Failed To Remove it off my Credit Report.
Consumer complaint received 2020-05-13
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)

I was trying to purchase my first home and I decided to go through a first-time homeowners program because I needed help with the process. They pulled my credit to see where I was standing with my score. As they reviewed my report, they told me I had some derogatory items on my report. These suspicious accounts on my report are not mine. They are fraudulent and need to be removed. I never applied for these items. DEPTEDXXXX XXXX {$2500.00} XXXX XXXX {$380.00} XXXX XXXX  XXXX {$2900.00} XXXX XXXX {$22000.00} XXXX XXXX {$1000.00} XXXX   XXXX XXXX XXXX  XXXX {$1600.00} XXXX XXXX   XXXX {$87.00} XXXX XXXX XXXX $ XXXX XXXX   XXXX {$420.00} XXXX XXXX XXXX XXXX {$91.00} XXXX  XXXX {$730.00} XXXX XXXX {$710.00}
Consumer complaint received 2020-05-13
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. (CA)

I am filing this complaint against XXXX  and in conjunction with existing complaint ( # : XXXX ) against XXXX. Now my XXXX  score has dramatically dropped credit score from XXXX to XXXX within this past week. I created an account with XXXX, filed some basic information disputes and was able to finally connect with a representative. The XXXX  representative could not confirm this score drop in their system and when I asked him what activity do you show in the last two weeks, he said also that their system could not provide that information.
Consumer complaint received 2020-05-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (TX)

Regarding Wells Fargo card account number XXXX On XX/XX/2020, I called the creditor in reference to the above account regarding the debt that I owed them which was on my credit report. I reached an agreement with Wells Fargo to settle the account for XXXX which I gladly paid at the local branch as I needed proof of payment. Wells Fargo has not kept their end of the agreement in that they failed to provide written notification on the account status to me and to the credit bureaus. The file in question continues to report negatively on my credit report which is at this time affecting my ability to purchase a home. 

On XX/XX/XXXX I called Wellsfargo to follow up on the letter and the agent informed me that the letter will be in my hand on XX/XX/2020. 

Today on XX/XX/XXXX, I placed another call to WellsFargo as a courtesy follow up as they have not kept their end of the agreement, their agent XXXX stated that the letter can only be faxed or sent out via US Mail and I questioned him about having the letter sent over via secure email after which he could not answer the questions that ensured. He then transferred me to their Executive Office representative by the name of XXXX who stated that they would open a case file and rectify the matter by XX/XX/2020, which is way too late as it will hinder my closing. 

On XX/XX/2020 @ XXXX, I received an email from a XXXX who stated that she was the one assigned to handle the case and when asked about when the letter would be made available and why the payment has not been reported to the credit reporting agencies she did not have an answer for me instead she stated that she has until XX/XX/2020, which is not going to work as the terms of the agreement were that they would have the information updated by XX/XX/2020, which as since passed at this time. 

This is an urgent matter which Wells Fargo needs to resolve.
Consumer complaint received 2022-05-02
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Conn's, Inc. (CO)

On XX/XX/XXXX, I purchased a dishwasher and a printer from Conns XXXX XXXX. 
A property insurance policy and a repair warranty service were included on the contract with the understanding that if both of these services were cancelled within 30 days of purchase, that I would not be charged for them. After canceling the property insurance policy within the 30 day time frame, I received a letter from Conns dated XX/XX/XXXX that stated that my monthly payment amount had changed to a lower amount due to the cancellation of the property insurance. On XX/XX/XXXX I received a 2nd letter that acknowledged my cancellation of the appliance repair service ( this service had already been canceled within 30 days of purchase ). This second letter also stated that my monthly payment amount had changed to a lower amount. 

However, I am still being charged for these canceled services and I have also been notified that my account now has a past due amount and that the payment amounts that were listed in the letters that Conns XXXX XXXX  sent to me and which I relied upon to make my monthly payments were not enough. 

Conns XXXX refuses to correct their billing error and is insisting that I continue paying for a service that I had canceled.
Consumer complaint received 2020-05-13
Product: Credit card or prepaid card — Store credit 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: CAPITAL ONE FINANCIAL CORPORATION (TX)

Capital One has taken over Neiman Marcus credit cards (  many years back ). I reported that I did not receive {$310.00} of merchandise from order # XXXX. I spoke with an NM rep for more than an hour. He said he would remove the fraudulent charges. Instead, THEY DOUBLED THE AMOUNT OF THE CHARGES on my account. I received {$100.00} from this order, and now on my NM account it says I owe {$720.00}. NM used XXXX XXXX to deliver this order, and it appears that they either lost or stole the items. Given that the one box that I received had been ripped open before delivery, I think that might mean that someone was looking for items to steal. Since the item in the box was a pair of jeans, perhaps they thought that would not be as easy to re-sell as items without a size. 
This is pure fraud. FRAUD. I am so sorry to see NM become so corrupt, but I suppose bankruptcy will do that to some companies. I am at a loss as to how to deal with this now.
Consumer complaint received 2020-05-13
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: Experian Information Solutions Inc. (GA)

Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues.

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621.

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts.

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so. 

I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person. 

Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. 

COLLECTION AGENCY : XXXX XXXX XXXX  ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX
Consumer complaint received 2020-05-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues. 

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621. 

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts.

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so. 

I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person.

Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. 

COLLECTION AGENCY : XXXX XXXX XXXX  ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX
Consumer complaint received 2020-05-13
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: DISCOVER BANK (PA)

My card was stolen during a XXXX party on XX/XX/2019. The week on XX/XX/XXXX my employer makes us aware that we all need to check personal belongings because reports of theft were made during the party. I checked noticed 2 card were gone and immediately called the companys XXXX XXXX and Discover. Over about a week span my cards were charged multiple times adding combined to over {$4000.00}. When I contacted XXXX XXXX they cleared all charges noticing there was a spree of shopping. However Discover said its not enough evidence. I called gave them all purchase details, filed a police report giving them all information and also appealed their decision to deny the claim.
Consumer complaint received 2023-01-12
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: Westlake Services, LLC (VA)

XX/XX/XXXX I applied for a car through XXXX. Was approved for a loan through XXXX XXXX of XXXX. I signed all paperwork and drove off the lot with my car. on a sunday spoke with them on a tuesday. They asked me how much I put down on a downpayment and if that payment was made in cash. Confirmed all personal information on the phone. Was told by agent on a recorded line that my deal went through my first payment was due in XX/XX/2023. I was told on XX/XX/XXXX by car dealer that the bank was holding back on their offer because when they verified my job it stated on leave, which insured I am still fully employed by this company. I sent over paycheck stubs. The company spoke with the hiring supervisor whom in fact confirmed my employment. I sent over a letter from my HR department showing proof I in fact am employed through XXXX XXXXXXXX. Never did the bank reach out to me to ask me about my employment showing on leave. I had to return this car after having my credit pulled and putting my money down I had drove over XXXX miles to pick the car up. Spent over an hour signing paperwork. After all that was submitted they still stated i needed to show a different form of income with everything that was provided. I ended up returning car to dealership a month later I received a denial letter from XXXX stating that they denied me for things on my credit ike payment history delinquencies, etc. This in fact was not true and I have proof. Also the dealer contacted and voiced his frustration with the process and told them I can i can seek legal action.