davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-12-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL (MO)

I reached out to JC Penny several time to let them know that a credit card was put in my name. The response I got from JC Penny was that XXXX   verify that it was mines. I tried to explain to Jc Penny that it was not me and to file a complaint. I also sent in several letters to XXXX  and made tones of calls. XXXX  stated I need to file a police report, which I did and the police stated there is noting they can do. I reached back out to XXXX   stating I file a police report, but the police stated they can't do anything. I had a fraud alert place on XXXX, XXXX  and XXXX. I noticed the fraudulent in XX/XX/XXXX when I pulled my credit report. I sent over letter to XXXX in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and also called. Both JcPenny and XXXX refuse to remove the debt. 

Amount {$1000.00}
Consumer complaint received 2018-12-20
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: EQUIFAX, INC. (WI)

I sent all three credit bureaus a certified letter requesting that this closed account from XXXX XX/XX/14 be deleted from my credit reports. It's been over 90 days and they have yet to respond or delete this request. This violates the FCRA law that States that the bureaus must respond to consumer disputes in a timely manner.
Consumer complaint received 2018-12-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (NV)

XXXX XXXX XXXX XXXX Chase bank has illegally frozen and restricted my bank account, for no valid reason. 

According to Chase bank, they had restricted/frozen my bank account due to a {$14000.00} check written to me by a family member. The check has cleared and the funds are in the account, but Chase bank is making unreasonable demands to un-freeze and un-restrict my account. 

As my family member and I reside in different states, Chase bank has noted in it's computer MEMO, that both myself and my family member must appear at a bank branch together and that my family member must provide to Chase bank XXXX forms of ID. 

At this point, Chase Bank informs me that the matter may still not be resolved, and that my family member may need to provide additional information to Chase Bank. 

My family member has NO fiduciary relationship to Chase Bank - the family member is not a financial partner with Chase Bank and has no account at Chase Bank. 

Therefore, Chase Bank is placing unlawful requirements on a 3rd party, in order to " release the funds '' of their bank customer. 

Currently, I XXXX XXXX am restricted from using my debit card for withdrawals and purchases, AND I can not enter a bank branch for withdrawals. 

The check from the family member has cleared and the full funds are in the account, held hostage by the Bank for arbitrary rules " Your mother must enter the bank branch with you together and show 2 forms of ID, plus additional documents IF needed '' and at that point, we will make a decision. 

Depending on which agent you are connected to at the XXXX call center, that agent will give varying information on what they believe should be done to un-suspend / un-restrict my personal checking account. Chase bank has no uniform code of conduct on this matter.
Consumer complaint received 2018-12-20
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: CNG FINANCIAL CORPORATION (WI)

I sent all three credit bureaus a certified letter to have this hard inquiry investigated and removed from.my credit reports. This hard inquiry from XXXX XXXX XX/XX/18 has contributed to my hardship, stress as well as I've been denied credit and home loans because my credit score has dropped drastically due to this hard inquiry being on my reports. The three credit bureaus have violated the FCRA laws that protect consumers. They are suppose to report only accurate information and respond to dispute from consumers in a timely manner. They never responded to my requests. And it has been well over 90 days.
Consumer complaint received 2018-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NJ)

I have been trying to fight erroneous information on my credit report for about 4 months. I am married to XXXX XXXX who submitted a complaint right before this one.

I supplied my drivers 's license and a dispute to all 3 credit bureaus last month, and to date, I haven't received any results!

I can't call them because I don't have a report number which is nonsense, my job 's review is coming up and this information will have me lose my security clearance which will have me lose my job!

There are several addresses where I never lived, and several different names that is not mine. I believe because I am an XXXX there is confusion about my name. I want all my information to be accurate and the company 's seem to be stalling. I will attach all 3 disputes that were submitted, and a copy of my driver 's license.
Consumer complaint received 2018-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NJ)

I have been trying to fight erroneous information on my credit report for about 4 months. I am married to XXXX XXXX who submitted a complaint right before this one. 

I supplied my drivers 's license and a dispute to all 3 credit bureaus last month, and to date, I haven't received any results! 

I can't call them because I don't have a report number which is nonsense, my job 's review is coming up and this information will have me lose my security clearance which will have me lose my job! 

There are several addresses where I never lived, and several different names that is not mine. I believe because I am an XXXX there is confusion about my name. I want all my information to be accurate and the company 's seem to be stalling. I will attach all 3 disputes that were submitted, and a copy of my driver 's license.
Consumer complaint received 2018-12-19
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: Experian Information Solutions Inc. (CA)

The following accounts were a result of fraud. I am a victim of identity theft and I did not make this charge. Any accounts mentioned are not my responsibility..I am requesting that any finance and other charges related to the fraudulent account be removed from my credit profile asap XXXX XXXX XXXX   XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX,
Consumer complaint received 2018-12-20
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: CURO Intermediate Holdings (WI)

I contacted all three credit bureau via certified mail to have this hard inquiry from XXXX XXXX XXXX XX/XX/18 and XX/XX/18 investigated/ removed from.my credit reports. It has been 30 days and I haven't heard anything about my request, which violates the FCRA laws that protect consumers and States that the bureaus is to report accurate information and respond to disputes in a timely manner. This hard inquiry has affected my credit score and caused me hardship and stress because I was looking to purchase a home for my XXXX kids. I have been denied credit and home loans due to my credit score decrease
Consumer complaint received 2018-07-24
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

My wife purchased a washing machine on XX/XX/XXXX for installation in my new home that was under construction. 
When the house was ready we informed the merchant and expected delivery. 
Merchant refused to deliver, stating that my credi card company ( Bank of America ) had not transferred the funds to his bank ( XXXX XX/XX/XXXX ) The sum of money {$420.00} is in dispute. 
My account was debited accordingly.

My wife has made 23 calls to various personnel at B of A. 
She spent a couple of hours with the merchant at his bank trying to trace the alleged BofA transaction. 
XX/XX/XXXX requested written evidence that BofA made the transfer. 
BofA refused to send the documentation. 
We received a letter from BofA dated XX/XX/XXXX stating that our account had been reviewed by the bank and that the charge was no longer being disputed -- totally erroneous. 
Several calls were subsequently made by my wife, and yesterday I personally went to the XXXX Ca branch of BofA to speak to a bank officer- We both had a telephone conversation with a BofA rep from Utah , XXXX XXXX -- very civil and accomodating. 
However he stated that he could not send any written confirmation of the transfer -- he quoted a reference number XXXX that he suggested we give to XXXX XX/XX/XXXX for subsequent investigation of their records. 
This ' '' might '' prove that BofA had sent the funds. 
Having been effectively fobbed off by most of the Bof A personnel whom we called ; Having coordinated things with both the merchant and his bank-to no avail, the situation has become extremely frustrating and unacceptable. 
Therefore we request assistance to resolve it
Consumer complaint received 2018-12-19
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. (WI)

I contacted all three credit bureaus through certified mail.To request an investigation and deletion of this hard inquiry on my credit reports from XXXX. That was over 90 days ago and still haven't heard anything from them. This hard inquiry has caused great hardship, stress, and has made my credit score decrease drastically which has prevented my from getting a home loan etc.
Consumer complaint received 2018-12-19
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

The following accounts are still reporting as late payments..Definitely not correct.. On time payments were sent to the creditors and should not be reported as such..Please CFPB step up and reverse the late payments on XXXX XXXX XXXX   XXXX XXXX, XXXX XXXX  XXXX
Consumer complaint received 2018-12-19
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

The following accounts are still reporting as late payments..Definitely not correct.. On time payments were sent to the creditors and should not be reported as such..Please CFPB step up and reverse the late payments on XXXX XXXX XXXX   XXXX XXXX, XXXX XXXX  XXXX
Consumer complaint received 2018-12-20
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: CAPITAL ONE FINANCIAL CORPORATION (WI)

I sent all three credit bureaus a certified letter to have this closed account deleted/ removed from my credit reports. This capital one account was closed XX/XX/18. I haven't heard anything from them and this violates the FCRA law that States, the bureaus have a responsibility to respond to consumers in a timely manner. This has caused my credit score to decrease and has caused stress and hardship on my family.I am I n the process of shopping for a home loan and have been denied credit.
Consumer complaint received 2018-12-19
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 — Their investigation did not fix an error on your report
Company: WELLS FARGO & COMPANY (FL)

XXXX has been non-compliant with removing the unverified account WELLS FARGO BANK CAR Date opened XX/XX/2014 which has been deleted by XXXX   and XXXX. XXXX and XXXX  have both completed their research and determined that WELLS FARGO BANK CAR was not established by myself but XXXX  keeps verifying this accounts. Also, when I called the company they responded that XXXX  did not send them all of the verifying evidence to confirm each account is unverified.
Consumer complaint received 2018-12-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (CA)

Wells Fargo bank skimmed {$160.00} off my account by debiting my account for the same check twice. On XX/XX/2018 two debits were made to my account. One was for Check # XXXX in the amount of {$160.00}. The other debit was a " Check '' without a check number and for the same amount. When I called Wells Fargo Bank they were unable to provide me any information about this check and said the check number was read by their system as XXXX. I'm unable to see a copy of this check online or get a copy from the bank. This is yet another example of Wells Fargo Bank continuing to act unethically and still from us. We have had multiple claims against WFB and one of them was for skimming which WFB was forced to compensate us.
Consumer complaint received 2018-12-19
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (TX)

All this happened today XX/XX/2018 : I replied to a XXXX  post to buy 2 tickets for this Sunday ( XX/XX/18 ) XXXX XXXX football game. 
I texted the phone number on the XXXX post ( XXXX ) and somebody " named '' XXXX XXXX agreed to received from me {$250.00} for 2 tickets. 

He provided me his name and email ( XXXX ) and using the app XXXX through my XXXX  XXXX XXXX account I transferred him the money to his account in XXXX XXXX. 

After I sent the money, the person never transferred me the tickets. Also he blocked my cell number since I tried to called him and text several times, without success. 
My wife using her cell phone, contacted the person ( XXXX ) randomly expressing her interest to buy some tickets. He intermediately replied trying to sell her also the tickets. He started asking for the money using the XXXX app ( same procedure he used with me ). 

I called my XXXX  XXXX and they told me that they can not cancel the transaction because was done using XXXX, but that they will open an investigation.
Consumer complaint received 2018-12-19
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. (CA)

Experian provided information to the lender " XXXX XXXX. '' While applying for a credit card. I was denied credit based on " an alert '' in my Experian report. I was not contacted by XXXX XXXX, nor Experian to idenify myself or actually checked. My credit was run, and I was instantly denied without any further actions by XXXX XXXX.
Consumer complaint received 2018-12-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

The following accounts were a result of fraud. I am a victim of identity theft and I did not make this charge. Any accounts mentioned are not my responsibility..I am requesting that any finance and other charges related to the fraudulent account be removed from my credit profile asap XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, Chapter XXXX Bankruptcy Dismissed XXXX, Chapter XXXX Bankruptcy Dismissed XXXX
Consumer complaint received 2018-12-19
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: ID Analytics, Inc. (CA)

XXXX provided false credit information to XXXX, XXXX  during an application. They provided mistaken credit score and other fictitious information that led the company to deny me credit. A clear violation of the FCRA.
Consumer complaint received 2018-12-19
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (SC)

I paid off XXXX XXXX XXXX bal XXXX on XXXX XXXX and disputed on XXXX XXXX this account was deleted and updated on XX/XX/XXXX per XXXX XXXX request. On XXXX XXXX this account reappeared on my credit as not paid and owing a balance of XXXX which is false information, I tried to dispute information again but was not successful due to equifax dispute system being down online I called on XX/XX/XXXX and was told to call XXXX XXXX which already verified that account was deleted on XX/XX/XXXX, I have proof that account was indeed deleted on XX/XX/XXXX but reappeared on XX/XX/XXXX. Dispute resolution was suppose to be complete for XXXX XXXX XXXX XXXX, and also for XXXX XXXX # XXXX bal XXXX and acc # XXXX bal XXXX dispute confirmation # XXXX on XXXX XXXX. I plead and asked for Equifax representative to email me my results for XX/XX/XXXX and so call supervisor never did.
Consumer complaint received 2018-12-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have contacted TransUnion several times via phone online, and via first class mailings on many occasions in regard to an account that was placed in my name that did not belong to me and that I did not authorize, and I am not familiar with. I get the same results each time and I have had it, it makes it look very bad on my credit report and reporting negatively. I am trying to refinance something on my credit report and it makes it difficult when theyre checking credit, and I have numerous accounts that does not belong to me reporting inaccurately. I have disputed and reached out to XXXX   several times and they say the same thing over and over. The companies either need to send proof or validation or it needs to be removed. These accounts do not belong to me. I've done the FTC Identity theft report ( XXXX ), I've called Transunion and they've told me that their handling it and they received proper paperwork and I should see an update and I never do. The last rep I talked to stated she was taking care of it only to find out she had the account set to auto review as the next representative stated in the last phone call, I haven't had any luck with this. The following accounts are what is being reported : ( XXXX XXXX ) # XXXX account number. I also want the following unauthorized inquiries from XXXX, XXXX removed. I have even sent copies from XXXX  & XXXX  showing that they deleted items that TransUnion keeps saying verified. How can they all be using the same information, but some bureaus are correcting items & the other is saying verified which is totally incorrect.
Consumer complaint received 2018-12-19
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: WELLS FARGO & COMPANY (GA)

On XX/XX/XXXX, we purchased a XXXX  XXXX XXXX and traded in our XXXX XXXX XXXX, which we traded in ( through XXXX ). On XX/XX/XXXX, we were charged for our loan payment on the XXXX, which was financed through Wells Fargo Deler Services. We thought we would receive the money back in a timely manner -- This has turned out to not be the case. 

XXXX mailed the payoff check shortly after the purchase. Wells Fargo acknowledged their receipt of it on the XXXX of XXXX. 

Wells Fargo dealer services did nothing to notify us of the overage. We waited over 11 business days of radio silence from them, and then were forced to call. The recipients of our call were unable to ensure delivery of our check until well after the XXXX of XXXX because of their internal processes -- - Over 4 weeks after they have been paid, in full, on time, every time.

There was zero accountability on their part, and this appears to not be an isolated incident. It appears that the issue itself is systemic and that Wells Fargo is again taking advantage of consumers in ways that are unethical, if not illegal. Had I been late one time, they could have taken our car. Now, they are holding our money hostage as if it's no big deal. 

These shady, illogical, and asinine business processes amount to nothing more than a cash grab from hard-working American families.
Consumer complaint received 2018-07-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: JPMORGAN CHASE & CO. (MA)

I was shocked when I reviewed my credit report and found late payments on my credit report and balance on a charged off account. 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.