davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-03
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. (MA)

On XX/XX/2023, I purchased XXXX tickets for {$770.00} on XXXX using my Chase credit card visa ending in XXXX. I immediately became suspicious of the website and believed this was a fraudulent website I tried to cancel my purchase immediately by calling the website numerous times at XXXX and was repeatedly unable to get a live representative on the line. This just made me even more concerned and worried so I texted via the website 's group chat support to communicate my desire to cancel the purchase immediately. When I could not get any feedback from the website I decided to call Chase and reported this as fraud. Chase immediately changed out my credit card and I received a new visa ending in XXXX. The following day, on XX/XX/2023, XXXX emailed me a credit refund for the full amount of {$770.00}. See attached. 

On XX/XX/2023, I noticed that the charge of {$770.00} was placed back on my Chase credit card statement ending in XXXX. I called the Chase credit card customer service to dispute the charge and was placed on hold for over 3 hours. I actually called Chase using two different phones, both times I was placed on hold for several hours. Finally I was able to speak with a Chase customer service representative, At this point I was very agitated due to the wait time. Chase customer service representative ( CCSR ) told me that I had to pay the vendor even though I received the full credit refund. I told the CCSR that made no sense to me if I received a full credit refund. The CCSR could see the credit however he insisted by saying I owed Chase {$770.00} and he insisted that I pay the line item on the credit card statement that reads : XXXX. However I do NOT have any tickets. This conversation created more frustration for me because even though I was able to get a refund with the ticket agency website on XX/XX/XXXX why now on XX/XX/2023 was the charge reappearing on my statement for tickets that I do not have. I would like Chase to pull this charge off my credit card statement as it was a full refund.
Consumer complaint received 2020-07-01
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: EQUIFAX, INC. (FL)

see attatched Equifax XX/XX/XXXX referencing SECTION 605 B c of Fair Credit Act DENYING MY REQUEST FOR VERIFICATION. Please explain the allegation of ( B ) Basis of material misrepresentatation of fact by consumer.?? WHAT MATERIAL MISREPRESENTATION OF FACT IS EQUIFAX ACCUSING ME OF?? I DID NOT OPEN THE XXXX VISA ACCOUNT. Provide verification this visa was opened by me OR DELETE. See attatched XXXX 1099-C CANCELLATION OF DEBT XX/XX/XXXX ( * VISA XXXX DEBT it was both? 
But canceled XX/XX/XXXX. Account XXXX. ) This was a mastercard CANCELLED DEBT ) It turned into a Visa Card ( 4 ) Years later XXXX Without my Knowledge. See attatched XXXX XXXX VISA card ending XXXX CREDIT CARD FRAUD CLAIM {$470.00} UNAUTHORIZED TRANSACTIONS XX/XX/XXXX dated XX/XX/XXXX Fraud Claim Date XX/XX/XXXX. VISA end XXXX Had Unauthorized Transactions the first time I used it. I DID NOT APPLY FOR THIS CARD BUT USED IT WITHOUT KNOWING I DID NOT OPEN THIS ACCOUNT. See attatched XX/XX/XXXX United States Inspection Service ( Deliveries Not Made by USPS. Per Mail Rule ) Please Provide Verification ORIGINAL SIGNATURE PROOF DELIVERY the ITEMS WERE DELIVERED INTO MY HANDS on XXXX & XXXX  ACCOUNTS. that I was charged OR DELETE.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I been trying to get insurance on my vehicle for some time now. Every time I get a quote it either comes back too high or I am ineligible. When I ask why I get told that it could be that my credit history is not too good. I finally decided to pull my credit report and I found things on there that I have never applied for including a bankruptcy. These items are not mine. Please remove them from my report immediately.
Consumer complaint received 2020-06-30
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. (AL)

I am sending this afidavit again. This is my SECOND TIME sending this affidavit. I am a victim of IDENTITY THEFT. I should not be suffering with my credit because THESE companies allow people to open up accounts that i have no knowledge or gave any consent for anyone to do. This is my last attempt to reach out to the credit bureaus becuase my next step will be the attorney generals office. Please remove these fraudulent accounts an stop further victimizing me by inaccurately reporting these accounts on my behalf.
Consumer complaint received 2021-01-20
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ONLINE Information Services, Inc. (MO)

I have recently Disputed this matter with XXXX, XXXX, and XXXX. Unfortunately They Have failed to reach back by mail with the Burden of Proof within the required 30 days. I have stated to them the information is incorrect on my credit report and is fraud, This falls under The FRCA Requirements, and I have shown a 601 goodwill letter after the first dispute. Please provide Burden of proof by mail that the information is accurate or remove this account due to Fair Privacy Act.
Consumer complaint received 2020-10-10
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. (NJ)

Experian received an Official Identity Theft and Fraud Report that was filed with a Official Federal Agency in charge of Enforcement. XXXX  received the Identity Theft and Fraud Report via Certified Mail # XXXX in which the certified was signed into Experian possession on XX/XX/2020. 

This certified mailing included An Official Identity Theft Report, a sworn Legal Affidavit, a sworn notarized statement of all the fraudulent accounts, as well as a sworn notarized statement of my identity. Experian is in violation of FCRA Section 605B ( A ) for the failure to block and suppress the Fraudulent Account From XXXX/XXXX.

Legal action will be filed in a Court of Law. Experian must delete the fraudulent account XXXX/XXXX  upon immediately receiving this complaint or Experians Registered Agent will be served with Legal Process in 3 days from now
Consumer complaint received 2020-10-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

XX/XX/2020 Bank Of America XXXX XXXX XXXX XXXX, Va XXXX Bankamericard Secured Credit Card Dear BANK OF AMERICA, I would like to ask you to reconsider my bankamericard secured credit card application. I recently applied and I was rather surprised to receive a denial regarding my secured credit card application because essentially and according to your website I was suppose to be guaranteed approval. According to your website, the bankamericard secured credit card requires you to place a refundable security deposit that serves as your credit line. 

In your letter, you listed that the reasons for the denial was because there were too many revolving credit lines. However, I have over 100 plus on time payments. My reasoning for choosing this card was due to the numerous positive reviews shared by my family and friends with respect to this card, and its great credit building tools for people with limited or bad credit. The reason for the acquisition of the bankamericard secured credit card is it will prove especially useful to me and help to improve my credit score and build credit over time, thus making certain types of transactions possible which would be advantageous for me. I sincerely believe that I deserve a chance with the bankamericard secured credit card so I can prove to you my reliability and loyalty to this bank. 



I thank you for your time and reconsideration and I hope to hear back from you soon. 

Best,
Consumer complaint received 2020-06-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (TX)

Reached out to the lexis Nexis in regards to a judgement showing from XXXX XXXX XXXX  XXXX  from XX/XX/14, requested report And it shows no information but when mortgage company requested info it showed information
Consumer complaint received 2023-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX these accounts are reporting inaccurately on my credit report in violation of Federal Law. Those payments were made on time. I am requesting that the inaccurate information be updated to reflect my accurate payment history. Under FCRA, you are required to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct.
Consumer complaint received 2020-06-30
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Stallings Financial Group, Inc. (GA)

Stallings Financial Group has sent 6 to 8 letters 2 days in a row for debt that I do not owe. 3 letters dated XX/XX/2020 stating I have made no effort to attempt to validate a debt for the amounts of {$9.00}, {$40.00}, and {$200.00}. The other set of letters dated XX/XX/2020 stating I have 30 days from the date of the letter to send a request to validate debt for the amounts listed above. I do not owe this company or any other company these amounts and feel like sending multiple sets of letters back to back is harassment. Also when I called to check on this debt I was sent to an automatic recording which prompted me to enter my social security number.
Consumer complaint received 2020-07-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (NJ)

I placed a credit freeze on my file with Equifax following their data breach in 2017. Today, I tried to unfreeze my file in order to apply for a loan. After filling in their online form with accurate information about myself, I was told that I needed to call into a phone number ( XXXX ) to complete my request. 

When I called into that phone number, I was presented with an automated phone tree that asked me a series of questions, but still continued to refuse my request to unfreeze. The phone tree presented me with questions that do not accurately reflect my personal financial record and transactions, suggesting that there may be inaccuracies with the information Equifax has about me. 

There was no option to speak with a human, so I still have not been able to unlock my file or request the information in my own file. I have searched throughout their website and all methods of contacting actual human beings seem to be unavailable. 

There appears to be no method for me to confirm my identity, unfreeze my file, and address any inaccuracies that may exist on my record. It appears that Equifax is purposefully making freezing / unfreezing of individuals ' files difficult to discourage use of this necessary feature, so I need the CFPB 's help in accessing my own information. 

Thanks
Consumer complaint received 2020-10-10
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: American Credit Acceptance, LLC (IL)

Due to pandemic I was off work from XX/XX/XXXX to XXXX and car loan company offered customers to deferred payments so that was supposed to go on the end of my loan!! They gave me 2 months deferred and I paid one month to keep from getting behind due to COVID19!! The company has reported that I was late during COVID19 and they are not supposed to be doing that to customers!! All my payments show up on time until COVID19 hit my life and I have disputed the information but the company refuses to correct the late payments on my credit report!! I just dont think this is fair to me and other customers
Consumer complaint received 2021-09-16
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. (CA)

My name is incorrect on my Equifax credit report. I submitted a dispute on XX/XX/2021 online with my current drivers ' license that has my correct name on it. When my dispute was completed on XX/XX/2021 by the company, they asked me to provide a copy of my social security card. I mailed a copy of my social security card with the letter they sent me requesting said card. They have not sent me any further communication via mail, email, or phone regarding a dispute update. I have checked my online account and there is no change in my original dispute nor my name listed in my personal information. I expected this issue to be resolved easily with the documentation provided. I am concerned about future credit report access by potential mortgage lenders since we are hoping to purchase a house soon.
Consumer complaint received 2020-10-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: U.S. BANCORP (PA)

Good evening, my name is XXXX XXXX Ive been trying to unlock my us bank account since XXXX XXXX.To begin with I never even received a card to access my benefits in the first place and when I get the card I am locked out.I sent in my documents and I am still having problems even getting in contact with somebody to help fix the situation.This is my last resort please help.
Consumer complaint received 2023-09-19
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

Over the past year, Bank of America has kept failed wire transfer fees when either the wire was initiated using the self-directed wire transfer option under Transfer/payments online or in branch repeatedly. Can recall 3 failed wire transfers where Bank of America has kept the fees without properly reversing them to me timely. If Bank of America 's employees are unable to enter correct wire instructions and/or if their fields in the self-direct wire transfer were clear, conspicuous and understandable to an average person, then these wire transfer attempts would not have failed. Lastly, Bank of America does not provide the same wire transfer fields on the self-directed wire transfer under Transfer/payments, as it does when going into a branch, and having a representative to enter the fields. Bank of America makes it extremely easy to ACH and send money peer to peer, but has failed to create a user/ADA friendly wire transfer platform on its website. The fields that are asked from customers as myself are extremely different than wiring instructions provided by XXXX XXXX, XXXX XXXX, and XXXX. Due to these material differences, users like myself can not make timely and opportune transfers.In a couple instances, I have loss over XXXX XXXXXXXX in day trading/investing opportunity at my external brokerage accounts because Bank of America 's confusing, unconventional and cumbersome self-directed wire transfer platform. This is further uncovered by the fact that 3/4 time when I go to the Branch to have a wire performed, the branch representatives also find it difficult to use Bank of America 's wire transfer platform, and have great difficulty entering standardized wire instructions from other financial institutions onto its platform. Lastly, due to dilemma raised by the limitations of Bank of America 's self-directed wire transfer platform, customers like myself are forced to go into branches with an iota of hope to get wire transfers completed and completed successfully ; although as mentioned XXXX XXXX  reps have difficulty processing wire transfers on XXXX XXXX  platforms as well. XXXX knows that customers can not just walk into branches to perform wires, but they are encumbered by XXXX representative scheduling in which in some times are heavily booked and again financially injures customers like myself to wire money timely, notwithstanding the time, gas, pain, XXXX and emotional distress associated with jumping hoops to do such. In some instances, I have had to drive long distances just to find an available XXXX representative. These issues above have costs my thousands of dollars and lingering heartache and emotional distress as a result, because the Bank I have frequented business for years undermines my financial freedom/mobility and ability to generate wealth for myself and my family.
Consumer complaint received 2020-10-10
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: TRUIST FINANCIAL CORPORATION (GA)

I hired a XXXX ( known to me for about 15 years ) to remodel my bathroom. After halfway through, the XXXX asked for a payment of {$3000.00}. I wrote check # XXXX, to an employee of the company, for {$3000.00}. The employee deposited the check, through the ATM at SunTrust Bank. Unbeknownst to me, I had written another check, with the same check number, back in XXXX, 2020 ( I have 2 identical sets of checks, that are at least 15 years old. One with my address correct and XXXX incorrect ). Someone from the Fraud dept. at my financial institution called me and asked me if I had written the check. I told them yes, and they put the check through. In the meantime, my contractor told me that SunTrust had closed the account, and said SunTrust did not accept the check. I then paid the contractor {$3000.00} thinking the check would be sent back to my institution. The {$3000.00} check cleared my account on XX/XX/2020. After many phone calls to SunTrust bank, with the employee, part of the conversation, SunTrust said they did not have the money, that it was probably in limbo. I finally made an appt to talk with SunTrust bank, in person, along with the contractor, and the employee I wrote the check to. The contractor, the employee, and myself, had a personal meeting with SunTrust on XX/XX/2020, at XXXX. We all spoke with an employee. Then SunTrust asked me to sit in the lobby while they talked to the contractor and the employee. I was then called to the Manager 's office. He said I wrote a fraudulent check. I told him I did not, that my financial institution accepted the check and put it through for payment to the original personal I had written the check to. The manager also said, if he believed I wrote a fraudulent check, I would not be here sitting with him. He said the money would be available to the person the check was written, in about 2 weeks. It's now XX/XX/2020, and my contractor still does not have his {$3000.00}. I called my financial institution today, and they obtained documentation that SunTrust has the {$3000.00}. I do have an appt on XX/XX/2020, at XXXX, at the XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, GA XXXX, that includes the contractor, the employee, and myself. I am hoping that this will be involved, but it seems like no matter what I do, SunTrust is going to keep my contractor 's money, that is rightfully owed. My financial institution gave me the routing number showing the money accepted by SunTrust. Can you help either by getting the {$3000.00} back to me, so that I can pay my contractor, or give the contractor the {$3000.00}.
Consumer complaint received 2020-10-10
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. (FL)

I am at my wits end and i do not no what else to do. my realtor checked my credit and told me that i had a negative account by the name of XXXX XXXX XXXX with a balance of {$9100.00} opened on XX/XX/XXXX and a XXXX  account with a balance of {$45000.00} opened on XX/XX/XXXX. These don't belong to me. i'm a victim of identity theft and i desperately need a Disaster relief loan that i can not get because of these accounts that do not belong to me. please help