davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-21
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: AMERICAN EXPRESS COMPANY (DE)

I have a problem with American Express reporting a 30 day late payment to my credit report which is destroying my credit. My account is closed also paid in full. When I contacted them about the problem I was told false information. I also was told that their credit reporting team never reported any late payments to the Credit Bureaus.
Consumer complaint received 2023-01-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Prosper Marketplace, Inc. (TX)

Account Type, Status, Status Update, Balance, Balance Updated, Your statement and payment history is incorrect on XXXX, XXXX XXXX XXXX. This account should be deleted from my credit report. ( Credit Report From ( 3 ) three bureaus attached. )
Consumer complaint received 2020-05-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paypal Holdings, Inc (OK)

I received a letter dated XX/XX/2020 from XXXX XXXX , XXXX stating I had a negative PayPal balance of {$6600.00}. I do not have a PayPal account. I have never had a PayPal account. The debt claim is fradulent.
Consumer complaint received 2023-01-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

Hello, I went to Bank of America XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) to deposit my tax return check but they refused to accept it because it is addressed to me and my wife. They asked me to add my wife to the account as an owner to be able to cash the check. I added her as a benefitiarry but they still refused to cash the check and asked me again to add her as an owner. I asked if there is any other was such like bringing her with me to the bank in-person or any other was dbesides making her a full owner to the account but they refused any other option. Adding my wife to the account as an owner to just cash a check is not appropriate. So I had an argument with the employee XXXX, and the XXXX XXXX so they took the subject very personal and started making it even difficult for me tpo add my wife as an account owner. 

I wend with my wife to the branch today and almost had a XXXX XXXX from the staff and managers there. This branch has the WORST EVER customer service. Its my third time visiting this branch and experiencing the same. The employees lack basic skills and the XXXX is even worst. I wonder what the XXXX is doing leaving the branch with unqualified employees and management to run it. I went to the branch today and was " tortured '' by XXXX who lacks the basic communication skills. She only wants to talk and refuses to listen and at the end, she threatened me to cancel the meeting and have my request delayed for days. I spoke to the XXXX, XXXX, who did nothing but watching and peaking from behind the door. XXXX also has no customer service skills what so ever. 

I was worried that XXXX changed my account or add or remove services that I did not authorize so I asked XXXX to verify her work. XXXX said she will do but she never did. I am worried what XXXX has done in my account. 

I finally had to add my wife as an owner to cash the check. However, I am so worried that XXXX and XXXX may manipulate my account and change the services or anything else without my approval. I request an investigation to assure that they did not miss up my account. I clearly asked the XXXX XXXX to verify XXXX 's work but she ignored my request and did nothing. 

Thank you. 
XXXX XXXX
Consumer complaint received 2023-01-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY (VA)

I was a Wells Fargo customer for a long time, and they are still having me pay them back on a debt but they were cheating and overcharging us on fees and so forth. I don ; t know how they did it but they are being sued for that, and this is one reason why my acount got up to such as high balance. They also charged me ridiculous overdraft fees on my checking account if i ovedrue by mere pennies I would end up owning hundreds of dollarsf from the cascading charges when I was really broke. I didn't know they were such cheaters to everyone I thought it was my fault for not being able to manage my money but they took advantage, i realize that now.
Consumer complaint received 2023-01-21
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: Experian Information Solutions Inc. (NY)

I was entered into many fraudulent agreements. I have been lied to and those lies have caused me an extreme amount of economic loss and mental anguish. With the accounts listed below, I was never given an explanation on how I can exercise my nondisclosure option Pursuant to 15 usc 6802 ( b ) ( C ). With any of them.

I have been trying to opt out from these companies sharing my non-public personal information with no availability for well over 1,000 days. My rights have been violated by all parties involved in the sharing of my non-public personal information and demand my private information be kept private. 

Remove all accounts listed below because I was not given full explanation on how I can exercise my nondisclosure option.
Consumer complaint received 2023-01-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (FL)

My Wells Fargo credit card inaccurately continues to report my account as OPEN despite the fact that my account was CLOSED by Consumer almost 60 days ago in willful violation of the FCRA which requires PROMPT reporting to every CRA when an account is closed. Closure should have simultaneously updated the Closed status using XXXX XXXX so Wells Fargo is NOT XXXX XXXX Compliant as the account was required to be reported as Closed almost 2 months ago. I ask for {$1000.00} in statutory damages for Wilful Violations of the FCRA for continuing to report my Closed account as Open.
Consumer complaint received 2023-01-21
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth (FL)

On XXXX. XXXX, XXXX  ARS ACCOUNT RESOLUTION opened a collection. 
Account -- {$1300.00} that I owe I have never signed any written document saying that I owe this debt to the collector. 
They are violating my rights of the FCRA as a consumer. 
I do not know who they are and have not written consent from my end. 
Also, they have not verified that I owe this debt to this alleged company. 
Please have this removed from all three credit bureus. 

XXXX XXXX
Consumer complaint received 2023-01-21
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: SYNCHRONY FINANCIAL (MA)

I applied on-line for an Amazon Store bank card  XXXX XX/XX/2022, I received a email letter from Synchrony Bank requesting for additional information to process my application. 

Before responding to said request, I call the bank spoke to a Synchrony bank agent about the letter, in addition said agent confirmed that my application would be approved timely after additional submitted additional has been processed. 

Not only Synchrony Bank employed agent was not truthful in his statement, he failed to mention that XXXX XXXX XXXX would also take part in processing the application which has resulted of my receiving Two WRONGFUL Hard Hit inquires - both from Synchrony and XXXX XXXX 
Due to what appears to be an unscrupulous practice, I will never request and/or apply for any products or services from both said banks.
Consumer complaint received 2023-01-21
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ProCollect, Inc. (IL)

I called they dont give you a chance to speak. They keep lying to me that I got letter from them I never received it. I even ask can you resend they would always hang up. They feel the need to yell and scream when someone asks a question and the hang up in my face.
Consumer complaint received 2023-01-21
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc. (FL)

On XXXX XXXX, 2022- Convergent Outsourcing Inc. opened a collection. 
Account -- {$150.00} that I owe I have never signed any written document saying that I owe this debt to the collector. 
They are violating my rights of the FCRA as a consumer. 
I do not know who they are and have not written consent from my end. 
Also, they have not verified that I owe this debt to this alleged company. 
Please have this removed from all three credit bureus. 

XXXX XXXX
Consumer complaint received 2023-01-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (GA)

Hello I came across your ad on XXXX about Wells Fargo about the suit concerning home mortgages wrongful foreclosure. I had this issue with Wells Fargo back in XXXX. I understand that this is for XXXX. But I never was able to complain about it. Wells Fargo foreclosed on my mortgage stating that I missed payments and I know that I did not. One month I went into the a local branch to make my payment and weeks later I received several months of my payments back in the mail along with a letter stating that I defaulted on my loan. I was like wait what! I was so surprised I called them they. Stated I missed payments I would know if I missed payments on my mortgage. So they foreclosed on my home and I had to move out. I can admit that I was late. But a month behind! As they was stating no. This was some crazy stuff. My spirit never rest on this issue.
Consumer complaint received 2020-08-31
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. (OH)

Chase Marriott Visa - Unbelievable - We went on vacation XXXX through XX/XX/XXXX in XXXX XXXX, XXXX property owned and operated by Marriott - When we checked out the hotel ( XX/XX/XXXX ) could not provide bill- Covid issues, etc..When we got home, they could not provide us itemized receipt- We were concerned as we had to move rooms in middle of stay and charges on credit card were multiple DAYS and very high, and included charges for days after we had left resort. We called chase challenged charges and were issued new cards, Chase spoke with US about the situation and Marriott did call me. However, we still do not have itemization that matches the charges they wished to charge to card! Then after 30-45 days, charges just showed up on the new chase card!!! Even after we cancelled our account because we thought there was some fraud on the card- WHEN WE CALLED CHASED THEY SAID THEY DID INVESTIGATION AND NOTIFIED US OF CHARGES GOING BACK ON ACCOUT-NOT TRUE- JUST SIMPLY A LIE.
Consumer complaint received 2020-10-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WELLS FARGO & COMPANY (NC)

Wells Fargo bank date opened XXXX XXXX amount {$210.00} this account is not mine I am not responsible for this debt. I have called emailed and faxed my driving license social security card to credit bureaus and Wells Fargo they said they will delete it and it still has not been deleted
Consumer complaint received 2022-09-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX  XXXX Account # XXXX XXXX Account # 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
Consumer complaint received 2020-07-16
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: SYNCHRONY FINANCIAL (NC)

The was an illegal inquiry/pull of my credit report by syncb paypal in  XX/XX/XXXX. XXXX and XXXX XXXX are displaying illegal and allowing illegal use of my credit report. I don't have and never had account with syncb paypal or giving anyone permission to pull my credit report or put anything on it which is supported by attachments. Even after syncb PayPal sent letters that acknowledged this XXXX and XXXX XXXX   continues to display illegal innacurrate information. Information remains on report in relation to illegal inquiry. Also XXXX  stated that I requested a fraud alert and also that they sent me a letter. That is absolutely false. I already had fraud alerts and blocks on my credit report because of fraudulent activity. They never sent me a letter, they just using that to cover there XXXX. All documents have been attached including SYNCB/PAYPAL acknowledgement of illegal account and the request to delete it from XXXX XXXX, false statements made on behalf of XXXX and fake letters they said they sent.
Consumer complaint received 2020-04-03
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: TOYOTA MOTOR CREDIT CORPORATION (MA)

I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/2018 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Consumer complaint received 2020-05-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (AL)

I have sent Equifax several disputes on inquiries that are listed on my credit report that I did not authorize. I told them that is was a violation of the Fair Credit Reporting Act Section 168b ( c ) and that it was a serious breach of my privacy rights. Equifax keeps responding back saying that the inquires are factual records of file access. These inquiries are unauthorized and i want them deleted immediately. They are non account holding inquiries that the refuse to investigate and delete. I have wrote several of these companies and just within a weeks time I have received returned letters back because the mail is undeliverable and these are the addresses that I got from my Equifax report for these companies. How can they verify these inquiries if they are sending me undeliverable mail back. Equifax is not investigating my report correctly.
Consumer complaint received 2020-07-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO. (NC)

XX/XX/XXXX-Applied for Chase Freedom 0 % interest on balance transfers and purchases, credit card on Chase website ( saw on XXXX ) XXXX-Had phone conversation with XXXX XXXX from XXXX XXXX branch about no response to my application for zero percent credit card. Told credit report locked. Told him I needed the balance transfer immediately. He transferred me to new accounts. Spoke to XXXX and restated my need for balance transfer. Was told to unlock credit report and call back ; they would run credit and give immediate decision. 

XXXX-Unlocked credit report, called XXXX. XXXX approved application with expedited shipping because I told him I needed a timely balance transfer. Told to activate account and card, and initiate balance transfer. Activated card to discover no balance transfers available at this time. 

XXXX-Scheduled another call with same Chase rep from XX/XX/XXXX for Friday XXXX at XXXX XXXX. He never called! 

XXXX-Called Chase. Spoke to CS and transferred to a Supervisor ( did not get her name ). They both said they have no balance transfer cards at this time. My response was, but you did on XX/XX/XXXX when I applied, followed by, if this is true, I should have been reminded on XX/XX/XXXX & XX/XX/XXXX when speaking with Chase reps. I mentioned I had another call later that afternoon with the first rep I spoke to. I was offered to cancel the card. Further, in my packet received with the card, it states 14.99 % for balance transfers. 

My credit score is above XXXX ; I can go to ANY bank. I applied to Chase because of the 0 % advertised on their website! I also applied because they gave their employees some time off for Juneteenth ;  although I did read a review where they have been unfair to XXXX Americans. In my case, I have been lured by FALSE advertising! No 0 % INTEREST and NO BALANCE TRANSFERS! They ran my credit for a product that I did not apply for! Between XX/XX/XXXX and XX/XX/XXXX the product I applied for was removed from their options list. I guess the reviews were correct as Im XXXX American! 

I will next report my story to the local XXXX NC news as Chase is coming to XXXX XXXX. I reported them to the Attorney General, and next I will contact my attorneys office.
Consumer complaint received 2020-05-10
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (OH)

I got a refusal of payment notice on a card I use often. I went to log in and saw the card had been canceled. Then I started looking around and Synchrony Bank had closed EVERY ONE of  my accounts i had with them. I have never missed a payment on any of them, have 100 % payment records, plus I have even received substantial credit limit increases on several of them. There is no reason these accounts should be closed. We are talking about 11 credit cards ALL AT ONCE. My credit limit is going to be destroyed about this through no fault of my own. I have not even asked for COVID-19 relief because I have continued to work and I have a very decent salary. I need answers and nobody will give me one except for something copied and pasted from a sheet. This happened apparently on XX/XX/2020. I had absolutely no notice that this was about to happen.
Consumer complaint received 2020-08-11
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (FL)

On XX/XX/20, I spoke with XXXX XXXX XXXX from Rocket Mortgage via phone call. He explained that I needed an appraisal in order to proceed with the mortgage application. I told him that other companies do not require an appraisal. He insisted that in order to continue with the appraisal that I must pay him {$500.00}, at which time, I gave him my debit card information and paid for it. I proceeded to call various mortgage companies and found out that over 50 % did not require an appraisal. I decided not to continue with Rocket Mortgage and go with a different company. I received a phone call from the appraiser from Rocket Mortgage. I informed him that I no longer needed an appraisal because I was no longer continuing with the loan. I called XXXX XXXX XXXX from Rocket Mortgage and informed him that I was no longer proceeding with the loan. I also requested a {$500.00} refund for the appraisal that was never done. He tried to persuade me to continue with the loan. When he realized that he was unable to persuade me, he hung up. On XX/XX/20, I received an email stating that the appraisal was done and we can continue with the loan. I immediately responded and explained that it is impossible that an appraisal was done on my home because I live in a gated community and I never gave the appraiser access to enter the community. I have attached the appraisal report in question. Note that the report was obviously completed without entering the community. In this report there are no pictures of my home. The only pictures provided were of the community entrance and of other homes listed for sale nearby. I have tried to resolve this issue with Rocket Mortgage. I have sent 3 emails explaining the situation and requesting a {$500.00} refund with no reply.
Consumer complaint received 2020-11-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (CO)

After entering all my correct identifying information ( DOB, SS #, address, Experian PIN, etc. ), the Experian unfreeze credit files web-page refused to unfreeze my credit files. 
I tried calling XXXX different Experian customer service phone numbers, entered all the same information, and got the same refusal.
Consumer complaint received 2020-09-09
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Late or other fees
Company: Chime Financial Inc (MI)

I made a dispute on XX/XX/2020 the bank asked me to send a dispute form which i did. The same day the responded with an email telling me that my temporary credit would be back into my account by XXXX which was a total of 10 bussiness day but when i called bank they said that they didnt receive my dispute form that they only had received a link. I had spoken to them all they way up until it was time for my provisioner credit to be released they ensured me that i would have to wait to the end of the 10th bussiness day which i did and i still havent received my money this isnt the first time bank had did this. They told me that i submitted my form late which i didnt and that i would receive and email which i havent. If these things are not done i will be seeking legal advice and sueing company for not following laws. Your company was given everything asked of me.
Consumer complaint received 2020-04-03
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: TRUIST FINANCIAL CORPORATION (WA)

I contacted the CFPB previously about the inquiry about the financial insitution previously stated in my claim ID # XXXX. I spoke with an institution that did not state who their name was when I spoke with them on the phone, believing from their letter to be from the VA. We provided them with information not realizing they were from another financial institution and never gave verbal or written authorization to run my or my husband 's credit. I would not have authorized the credit reporting had the person I spoke with asked or stated that was a step they were going to take. The FDIC closed my case # XXXX and when i spoke with them on the phone with them about it, they said to contact you guys again about it.