davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-05
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 (IL)

I ordered a discover card on XX/XX/XXXX, it never arrived. I became aware that the card had been nearly maxed out. I contacted Discover and was advised that I needn't worry, they would cancel the card and the charges, issue a new card, and that I " definitely won't have to pay for those charges. '' 4 months later, the charge is back on my account, the " investigation '' determined that since the charges were within a certain radius of my home ( a radius in which over 9 million people live ), and since the card was activated, the charges are my responsibility. I have repeatedly attempted to get the investigation team to tell me exactly what information they want me to provide them in order to prove I had nothing to do with this, and I have followed their suggestions to the best of my ability, but they refuse to even reopen the dispute at this point. I have filed a police report, a report with XXXX, since it was stolen from the mail, I filed an incident report with the XXXX, I obtained and provided copies of my phone records to show that I didn't activate the card. I have sent them copies of my XXXXXXXX XXXX timeline showing I was not in the area of the retailers where the charges were made on the days in question, I have called them multiple times to attempt to resolve the issue and sent them a great deal of corroborating documentation. They refuse to reconsider their erroneous finding.
Consumer complaint received 2021-01-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Schukei Chevrolet Volkswagen (PA)

I had a collection debt put on my credit file with XXXX XXXX, XXXX, XXXX  with a debt I do not recognize, nor owe, The creditor XXXX XXXX XXXX a 3rd party, the original creditor XXXX XXXX  over billed a closed account, XXXX XXXX XXXX  is a 3rd party collection service, that never sent me anything. only called and harassed me with 5 calls daily, left no messages, I called their number repetitively, I told them to send it back to original creditor ... they instead listed on my credit file in violation of Fair Credit Reporting act,, violating my rights, having never allowed my right to respond or dilute.
Consumer complaint received 2021-01-19
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: JPMORGAN CHASE & CO. (GA)

In XXXX of XXXX I hired the services of a XXXX XXXX. I used my credit card to pay {$1600.00} for a total of 26 sessions. The issue started when there was a duplicate charge on my account for the same and from the same merchant. The owner of the company told me it was a mistake and the easiest resolution would be to contact my Credit Card and ask them to refund the purchase. I did just that, but for whatever reason the XXXX XXXX XXXX refunded me as well which ultimately netted in a XXXX  charge. He charged me again, which made sense as I needed to still pay the full amount for the sessions. Unfortunately this cycle continue and different accounts were used to charge my card for the charge amount of {$1600.00}. I eventually decided to terminate my working relationship with the trainer as my finances were in jeopardy based on what I was starting to suspect was fraudulent behavior. Chase refunded some of the charges, but there are still outstanding charges on my account. There were several phone calls with Chase when this first happened and I provided documentation via their online inbox system. Initially I didn't hear back but then was later told that they were not able to reach the merchant. Not that my claims were false but that they couldn't reach the merchant. I revisited the issue in XXXX as I was trying to get my finances in order and I gathered all of the documentation I had and sent it to Chase. They concluded their investigation by saying that because of the time that had lapsed the charges would remain. All of the documentation submitted then I will upload here for reference. I don't understand how I can be responsible for fraudulent and duplicate charges. Three different vendor names, all orchestrated by the same person was used to charge me the same amount over and over again. The data alone should show there is an issue regardless of lapsed time. I stopped using the card ages ago out of principal, because Chase is not protecting its consumers. I have essentially been paying interest on disputed charges for years because Chase won't address this.
Consumer complaint received 2021-01-19
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. (TX)

During the year XXXX, I was in school working on my degree still and for the months of XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, XXXX reported I had late payments on these particular months when I was set for an in-school deferment status as I have always done so since XXXX. They updated it to current in XX/XX/XXXX but failed to update the months in question that I am filing a complaint for. I have tried countless times to get this resolved and due to COVID-19, it has become even harder to reach a customer service representative to ensure this gets solved. I am still in school and I have a family to support now, I am filing a complaint due to it has been over 2 years now that I have tried to clear this up and provided numerous documentation to the lender. They have advised several times they would fix it however, now it is affecting my lending needs to I can buy a home for my growing family. I have paid close to {$1000.00} alone in credit monitoring with all credit bureaus and exerted an extreme amount of energy which is not good for me at this time.
Consumer complaint received 2021-01-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

It has come to my attention that i have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is very inconvenient on my part!
Consumer complaint received 2020-07-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A. (GA)

I'm trying to get my statements from an closed checking account and I was told I couldn't be helped I need to visit a branch. I informed the agent citi bank is suppose to legally keep my statements on file for 7yrs, I continued to ask for the agent id and She told me, she could give me this information. She then gave me XXXX number which I think is fake. I also asked for a manager she told me a manager wasn't available, I told her this call was being recorded then she then told me to hold on, came back 2 mins later stated the manager was busy and he would give me a call back in 24 to 48 hours. I said i would wait and i waited yet no manager ever came on the line. She was very nasty and rude. This is the reason why I left Citigold. Bad customer services. XXXX was her name. Stated her manager was XXXX, to busy to answer my call.
Consumer complaint received 2021-01-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: FIFTH THIRD FINANCIAL CORPORATION (CA)

My account was compromised and funds where taking from my account fraudulently XX/XX/XXXX exceeding {$2000.00}. I reported to the bank and also made a police report. I have followed up with the bank on numerous occasions XX/XX/XXXX, XX/XX/XXXX ,XXXX, XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX have not received any head way on the investigation. Also I returned all signed documents they sent me on XX/XX/XXXX via email & post office they cant even tell me if they have received it back. 
Next I have a transaction return of {$310.00} returned to my account on XXXX I dont see it in my statements nor does it reflect in my balance but when I called they said they can assure me its there. I added my total and the balance seems to reflect that it has not yet posted. 
They also mentioned that credits do not reflect in transaction history but this is also false because I have past transactions that have reflected a return amount. 
Im in desperate need of help I feel like Im dealing with a fraudulent institution
Consumer complaint received 2021-01-19
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: Westlake Services, LLC (NC)

There are unknown hard inquiry on my credit report XXXX. Im requested the verification of the inquiry and the method of verification. WESTLAKE SERVICE INC, Inquiry : XXXX. XXXX, 2019. For the first time no response came in 15 days company did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.
Consumer complaint received 2024-12-05
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: REGIONS FINANCIAL CORPORATION (SD)

Hello there, I hope all is well. 

I have banked with Regions for about seven years and recently started having issues with overdraft fees. When I am low on funds or have none in my account, my account is overdrawn at {$36.00} for every transaction. In some cases, the cost can be more than {$200.00}. It is frustrating because my thought when banking with banks is that they are here to protect their consumers and help grow their money rather than take advantage. 
Sadly, banks are using that because we are signing a subscription " acting '' as a contract for them to pay the balance and later charge a fee to the consumer. Rather than decline the transaction when there are not enough or insufficient funds. If banks want to be technical, the subscription or recurring transactions state that I pay a certain amount for the subscription monthly. If I don't have the amount, how can I pay? I can't is the point.

Granted, I did sign up for a subscription, and sometimes, I become forgetful, as most subscriptions do not send an alert on upcoming balances. Before I can cancel, they have already charged my account. 

It's borderline stealing and distasteful. Especially when I have asked to opt out of any overdraft coverage protection. Yet I am being told to come personally to opt out of all coverages. I am not a state resident with Regions branches to go to, and I do not want to end my banking with them due to relationships and credit lines. I wish not to be charged for funds I do not have. It makes it harder for me to pay the subscription or recurring transaction and the overdraft fee, making it more costly for me in the end. Banks used to block transactions when consumers did not have the funds. Now, it is all a money grab. 

In the end, it is frustrating to deal with this because I have a family to support, and I have to pay them the money, or it goes on my credit, which is hard to build and easy to destroy. It is a double-edged sword ; more branches should protect their consumers instead of filling their pockets. 

Thank you for your time, and I hope my story can help pass laws or acts protecting consumers from overdraft fees. 

XXXX {$100.00} XXXX {$72.00} XXXX {$36.00} XXXX {$72.00}
Consumer complaint received 2024-12-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (GA)

XXXX credited money back to my card ending XXXX with Wells Fargo bank there were XXXX transactions that were credited back to my account that had been closed a month prior Wells Fargo was supposed to reject the fund so it would go back to XXXX and end up with my XXXX balance, but XXXX says that they have never received the funds back. Its {$3100.00} total that I am missing. Ive spoke to Wells Fargo multiple times and they cant provide me any trace numbers of when they were sent back to XXXX.
Consumer complaint received 2024-12-06
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A. (VT)

Citibank did not send interest associated with a matured CD. CD was matured on XX/XX/year>. We have contacted Citibank numerous times and was told varying answers by different customer service agents. XXXX of the supervisors at Citibank even promised to issue a check for the interest XXXX weeks ago. We have not received any thing. Its been very frustrating dealing with Citibank. People working there are incompetent. We had another issue with Citibank. They let a hacker changed our phone # and email address in XXXX this year. Since XXXX, weve had so many issues with Citibank. They kept on telling us to go to a local branch to open a new account. Unfortunately, there is no local Citibank branch within XXXX miles. Please dont do any business with Citibank and be careful with any online banking.
Consumer complaint received 2020-05-06
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Delmarva Collections, Inc. (MD)

On XX/XX/XXXX a collection account from Delmarva Collections showed up on my XXXX  credit report, this account is for a school fee for XXXX XXXX XXXX XXXX XXXX I previously Disputed this account with another collection agency XXXX XXXX XXXX they were unable to provide proof of this debt they were originally charging me for {$4800.00} XX/XX/XXXX which was inaccurate and they closed the account due to my dispute. Now another agency is trying to collect on this account for {$630.00} more than the last agency {$5500.00} now, I do not believe I owe this amount and never gave any permission or signed anything stating they can tack on multiple hundreds of dollars of fees and charges. This debt they are referring to was covered by a pell grant and federal loans which I am still paying back. This is illegal and Id like this to be corrected.
Consumer complaint received 2020-05-06
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account status incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION (CA)

I have a lease with Toyota Financial and my account was on auto payments and on XX/XX/XXXX through XX/XX/XXXX 4 months my account never auto paid because of an error and I got late payments on my credit report. according to my credit report, I got 5 months of late payments and Toyota never got in touch with me to let me know. This account has been paid every other month and is closed now fully paid and they still will not fix this error on my credit.
Consumer complaint received 2023-03-24
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. (TX)

I value your help to REMOVED a portion of the data on my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Balance XXXX {$910.00} XXXX XXXX Original creditor XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$320.00} XXXX XXXX XXXX  Inquiry : XX/XX/20XXXX XXXX
Consumer complaint received 2024-12-05
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Westlake Services, LLC (TX)

I never signed any agreement that resulted in several hard hit inquiries on all of my credit reports. I simply wish their removal from XXXX, XXXX XXXX and XXXX accordingly. 

XXXX XXXX
Consumer complaint received 2020-05-06
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. (WI)

XXXX  ; XXXX  and Transunion should not be reporting a collection on the XXXX - partial account number XXXX. ( Please see page attached from my credit report. ) These charges were covered by my medical insurance and these charges were submitted when services were obtained. I received a bill and contacted the billing department and provided the representative at the billing department all of the insurance information again however, it was still not billed correctly. I have attached a copy of my insurance card for reference. This false reporting of a collection is seriously harming my credit score and this line item needs to be removed from my credit report.
Consumer complaint received 2023-03-24
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. (NJ)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2022-05-19
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. (CA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX # XXXX XXXX XXXX XXXXXXXX # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also 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 convictions of crimes which antedates 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 2021-01-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Performance Management, LLC (NC)

Receivables Performance Management ( RPM ) has reported a collection on my credit report erroneously ; the account actually belongs to my son who shares the same name and once lived at the same address as I do. 

RPM was informed of the error on this past Tuesday, XX/XX/2021, when my mortgage lender was alerted of the the derogatory account. ( We were scheduled to close on our new home that Friday, XX/XX/2021. ) I immediately disputed the account and contacted the original creditor ( XXXX ) who confirmed that the delinquent account indeed belongs to my son ; a store manager even added in the account notes that she confirmed our identities by checking our IDs. 

My son and I both then called RPM and informed them of XXXX XXXX verification, but the RPM collector wouldn't accept our word ( understandably ) and said that they couldn't even accept a verification from XXXX over the phone ; it must be in writing and done electronically, which I find to be ridiculous and curious since the collector ( XXXX ) had stated during our phone call on XX/XX/2021 that RPM and XXXX work in tandem. Therefore, it shouldn't have been a problem for him or someone in management to straighten out this mess with XXXX. 

RPM refused to contact XXXX to request the verification or even to confirm they have the wrong social security number attached to the account, even when they had been informed of the absolute urgency to fix this simple error. I made calls back and forth for days on end, trying to remedy this matter before our closing day ; meanwhile, RPM remained steadfast in refusing to contact XXXX and refused to let me speak to someone in Escalations or even one supervisor 's manager, whom XXXX, a " supervisor, '' claimed " does not take phone calls and doesn't have an email address. '' This whole ordeal is not only an inconvenience, but it has been costly!! It's costing me and my family over {$100.00} a day in temporary housing because we can not close on our home due to this ONE error that RPM has made. ( Not to mention, this has tanked my credit score 100 POINTS, which means if our mortgage lender reruns my credit with the collection, our loan will be denied, and we'd lose our deposit AND our house. )
Consumer complaint received 2021-01-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am a victim of credit reporting and customer service wouldnt take care of my problem section 6-11 of fair credit report act. 
I Want my credit inquiries removed because I was not notify that this inquiries were being put back on my report.
Consumer complaint received 2020-07-01
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 decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX XXXX XXXX {$1400.00} XXXX XXXXXXXX XXXX {$56.00} XXXX XXXXXXXX XXXX {$38.00} XXXX XXXX XXXX {$200.00} XXXX XXXX XXXX {$980.00}