davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-08-16
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CITIBANK, N.A. (CA)

XX/XX/XXXXIn XX/XX/XXXX my husband and I went to the sears store to purchase a refrigerator and we wanted to use our current citicard to make to the purchase. BUT the sears sales person insist that if we apply for a sears card there will be no interest charged for the full purchase $XXXX (the total charge for the fridge), and we would just make our monthly minimum payment.I setup bill pay on my bank account because I travel a lot and do not want to miss my payment.OnXX/XX/XXXX after returning from my travel, I received a sears bill in the mail. I opened it and noticed the there was interest charged. So I called immediately and spoke to Mr.  XXXX  about the situation. He explained that not only was I charged for the last two months but I was also charged differed interest for the last years totaling XXXX  interests that are added to my total balance. I WAS VERY DISAPPOINTED BUT he could do nothing to resolve the situation.So I was transferred to supervisor XXXX  (ID XXXX). But he refused to acknowledge that the sales rep did not disclosed all the facts and refused to reverse the interest charges.on XX/XX/XXXX  I spoke to ACCOUNT managers MISS XXXX  MISS XXXX,  MISS XXXX   Miss XXXX  and other customer service Mr. XXXX, Mr. XXXX and all of them refused to address the matter and resolved the issues. SEARS SALES REP LIED TO US This sears citi card company are cheating the American people by not disclosing all the fact and are lying to their customers to get them to sign up for their store credit card(claiming there is no interest charge for the total  purchase but later start charging interest). This is their CHEATING SCHEME.  Cfpb PLEASE HELP STOP THIS CHEATING. THANK YOUSincerelyXXXX and XXXX XXXX
Consumer complaint received 2019-08-19
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.Q. DATA INTERNATIONAL, INC. (TX)

Collection placed in XX/XX/2016 with no notification of any monies owed from original account owner or the collection agency. Upon discovery of the account, a dispute was opened requesting proof of the account and a breakdown of monies owed - this was never received. 3 subsequent disputes and requests for breakdown have been requested - still never received, only a note on the credit report that it was proven to be my account.
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

According to 15 USC 1681EB, CREDIT REPORTING AGENCIES are suppose to assure maximum possible accuracy. The XXXX XXXX account on my CREDIT REPORT is not accurate according to the Fair Credit Reporting Act. The DEBT has been CHARGED OFF AND WRITTEN OFF. This account is negatively affected my CREDIT SCORES. Please update report or delete account immediately for violating 15 USC 1681EB.
Consumer complaint received 2019-08-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (AZ)

On XX/XX/2019, I was wired a sum of {$3000.00} to be deposited into my personal checking account. The type of account that I have does not allow wire transfers to be made to it. Why? Im not sure, as that question failed to be answered over and over again. In any case, with the money not able to be deposited back into my account, I was instructed by the senders financial planner to request the receiving bank to send it back ( since it had possession of the money but no intention of disbursing it to me ). I attempted to execute that plan, but was instead met with our default policy is to eventually deny the wire, and that will be within 3-5 days. So, in essence, Chase bank ( the receiving bank ) has no intention of disbursing the funds that it had in its possession to the intended receiver of funds, but instead was making a decision to keep those funds and return them days later? After having received them with seconds of the wire transfer being initiated? It sounds to me like its stealing, if only for a few days, and its unconscionable that a mega bank like them is able to get away with this. {$3000.00} being sent to me was a lifeline, and I cant expect the sender to make arrangements to deposit another {$3000.00} into an account that Id be able to access the money, as that would be on top of the initial {$3000.00} and I wouldnt expect someone to be out {$6000.00} for a {$3000.00} payment. So Im out of a lifeline until Chase makes it right. Basically, Chase is receiving an interest free loan for a few days that they arent entitled to. If any person did that, there would be penalties, and it doesnt seem like there are for these monster corporations.
Consumer complaint received 2019-08-16
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: JPMORGAN CHASE & CO. (TX)

I went through my statements and went through the process of reconciling my statements with the receipts I had and I noticed there were charges that I did not authorize. After identifying all of the purchases I did make and filtering out the ones I didn't make I called my credit card company on XX/XX/2019. The process of reporting was straightforward, however I did get some push-back as to not to call transactions fraud but to dispute them. I told the woman on the phone that: no, these are not disputes and they are fraud since I did not authorize them. When everything was finished the representative finished the process and I saw the credits on my next bill, I had to call back to report some she did not include or did not show until the next statement. On XX/XX/2019 a letter was generated and sent to me saying that all the charges I reported I benefited from. I thought that this was ridiculous and I called right away to have the case researched thoroughly and for a second time and I asked them to contact me with any questions and or to please provide me with any documentation they could bring up so that I may dispute if necessary. I received nothing and I thought all went in my favor. Then on XX/XX/2019 a new letter was generated and said that I still benefited from the fraud. I called again to get answers and all I received was: that a representative researched the claim and that they will not move forward with another evaluation unless I can provide documentation such as a police report, which is impossible as I did not live in the country in where most of the fraud occurred.
Consumer complaint received 2019-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. ()

Basically I have been applying for basic accounts with XXXX XXXX XXXX XXXX   etc because XXXX are closing my account down on the XXXX XXXX 2019 and in order for XXXX XXXX to pay my benefit I need to pay it in an account under my name only like I have said I have tried basic accounts with certain providers and get a response back saying my application has been declined which is putting me in a financial situation where I can't pay my XXXX bills XXXX XXXX  food etc also I have a  current XXXX   against my credit file which is indicating I pay XXXXXXXX  a month which there's no way I can afford I have explained to XXXX and XXXX  solicitor I can't afford that considering I get XXXX a month with XXXX rent XXXX court fine XXXX council tax XXXX TV liscene top my phone up and buy food and toliterries etc which they have not listened  and this is causing health problems such as XXXX XXXX making my XXXX  XXXX XXXX and XXXX worse which have had for XXXX years and do not need this XXXX
Consumer complaint received 2019-08-17
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. (FL)

I tried to lift my credit freeze mailed all the appropriate documents to remove the freeze, to make a purchase and they will not lift the freeze. There is no live or human phone number to contact only by mail and that is bullshit. I don't know if they care but I lost out on buying my first time home because of this... I want the freeze removed I have tried everything... I sent my Social Security card number, my Drivers licence, my auto insurance info etc... where did it go? who the hell has my personal information? I am pissed.
Consumer complaint received 2019-08-17
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc. (TX)

Through the year that Harvey hit XXXX the company has had problems with their phones and communication at one point they were posed to be delivering me a replacement phone but it got lost in the mail and I was held they made me on countless times lose money and harassed me try to so party that put me in that position when I could not get the help that I need from them with their bad communication but want to turn around and asked me to pay for their mistakes
Consumer complaint received 2019-08-17
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: WHEELS FINANCIAL GROUP, LLC. (CA)

Borrowed {$1500.00} made payments for 2 years with no.luck of paying down balance due to high interest rates. I got sick lost my job they towed my car and gave me little.time to pay then {$2000.00} to get my car back to avoid them selling it. I had told them my situation and that I was in the hospital for weeks and they still sold my car. My credit report now states XXXX  as a loan that was charged off with an balance of XXXX owed.
Consumer complaint received 2019-08-17
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

6 years ago I attempted to open an account with Bank of America. I was approved for the account at the time, but it was subsequently closed a few days later due to being on a negative list maintained by XXXX XXXX XXXX. This record listed on the report from XXXX turned out to be from an account opened fraudulently at another bank, and was removed. I later went back and attempted to open an account at Bank of America after explaining the situation and was told that my relationship had already been ended and that it was a final decision. Fast forward a few years later I decided to try again to see if maybe the bank policies had changed and after so many years, considering the record was removed, and wasn't my fault, that maybe they would open an account for me. I was denied again. I have never been able to have an account with the Bank simply based on this one thing, and I have spoken with representatives from the Office of the President, and have still only been told that, despite my situation, documentation, and explanation, that it would remain a final decision and that I could never have an account with the Bank because of this.
Consumer complaint received 2019-08-17
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Mobiloans, LLC (FL)

I filled out a new application in XX/XX/2018and I received funds XX/XX/2018. I checked the box that asked if I was in the military. I also at the time didn’t know anything about Military Lending Act but the company was aware of the MLA. They were supposed to deny my application but they didn’t. Once I was aware of this later on down the road I reached out to the MobiLoans support team. I was told I was still responsible for the loan and the fees and the Military Lending Act did not cover me. After doing more research I’m not responsible for the exaggerated fees and APRs. I’m requesting my account to be closed due to the violation of the Military Lending Law.
Consumer complaint received 2019-08-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (NJ)

I received phone calls from the same number out of XXXX XXXX, California (XXXX) on XXXX XXXX at XXXX, XXXX, and XXXX.  I usually don't answer these types of calls, but the last two times I did because I actually had an issue with a parking ticket in XXXX XXXX when I visited there back in XXXX, so I wanted to make sure the call was not about that.  Both times that I answered no one on the other end responded.The same number called again on XX/XX/XXXX from someone saying they were from Midland Credit Management.  They claimed they were calling me in regards to a debt on a XXXX XXXX  XXXX  that was closed back in XXXX???  They had information that I owned the card from XXXX  until XXXX  (I believe this is true…I did have a XXXX   card around that time that was cancelled by XXXX  due to inactivity), and that the account was closed by another party in XXXX.  They threatened that if I didn't pay the debt they would make a denunciation on my credit report???  First I told the woman on the phone that all of my bills are currently paid.  She insisted that I have a debt that needs to be paid.  I asked them how it is that I am receiving a call now about an account that was closed in 2011…this makes NO sense!  The woman again told me I have a debt to pay.  I asked her to clarify what this particular "debt" is for, and she said it was for a roughly $80 past charge on the account which was closed in XXXX?  I told her I did not understand what she meant, and I asked what the charge was exactly for.  She told me to hold while she looked up my account information, and after a little over two minutes on hold (I heard the woman clear her throat a couple times) she hung up on me.  They have not called back in the 7 hours since.My biggest concern is that I know my XXXX information was breached during the recent cyber attack against them. The fact this woman had my account history that could have come as a result of this breach makes me wonder if this company is linked with that cyber terrorist attack, and why I am making this complaint.  I did a little research myself and see that this “company” has been harassing people with false claims since XXXX.  Something needs to be done to shut this down!!!
Consumer complaint received 2019-08-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

You need to get this XXXX off immediately as it is not authorized and damaging to me and may be actionable for statutory damages and punitive damages ... XXXX/XXXX-XXXX, XXXX/XXXX XXXX , XXXX XXXX XXXX.. If you do not remove it from my record, please provide me with written proof of every detail shown in your entry
Consumer complaint received 2019-08-18
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: Santander Consumer USA Holdings Inc. (AZ)

I was in a car accident in 2017 XXXX XXXX XXXX paid their portion and Santander was going to pay the remaining balance of my Loan with my gap insurance. Prior to the car accident I was never late I never had a late payment with Santander once the gap insurance was paid I was left with a balance of $XXXX which should have been included with my gap insurance. I was not aware of the peanut not being included so it was late I called into customer service several times trying to get this resolved I'm looking for the late payments to be removed off my credit report it's unfair it's not right I was never late prior with this company I always  paid on time. Recently I learned that the company had a lawsuit regarding gap insurance and customer complaints I received a check for compensation nothing has been done regarding the late payments on my credit report.. I found a complaint with a different company and Santander sent me a letter stating that the late payments will be removed and my credit report will be updated and 30 days it's still showing on my credit report.
Consumer complaint received 2019-05-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I had paid this credit card off completely & was charged without knowledge by Bank of America {$1.00} & they canceled the card for no use by me but never notified me of their charge to the card. I had paid all charges to a XXXX balance on my part & they charged my card {$1.00} with zero notice to me & canceled my card for my non use of the card & then submitted it to the credit bureau ruining my credit. I spent hours & hours on the phone stating my claim with absolutely zero help from BofA reversing this action.
Consumer complaint received 2019-08-17
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. (FL)

I contact this bureau regarding fraudulent accounts that was open under my name with out my permission but as of now one is still left on my report : XXXX  credit card! This is a fraudulent account I have a ftc report with the federal trade commission and a police report to proof that these accounts are fraud see police report for more
Consumer complaint received 2019-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

I am uncertain as to WHY these late payments are present on XXXX XXXX I must request under the terms of the Fair Credit Reporting Act, and Fair Credit Billing Act of 1975 that you provide me with an audited statement of my account for the last 2 years..If you can not supply, please remove this inaccurate information from my credit report
Consumer complaint received 2019-05-22
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. (TN)

I reached out to you back last year in XXXX regarding some items on my credit. There are still items on my credit. I have contacted the FTC and my local police. I'm doing this on my own behalf. XXXX XXXX, XXXX XXXX and XXXX XXXX.
Consumer complaint received 2019-08-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ONLINE Information Services, Inc. (MA)

I paid off this debt on XX/XX/2019Confirmation number XXXXI confirmed with XXXX  XXXX my account had a XXXX  balance. But the collection agency is refusing to update my credit report.  I tried disputing it with XXXX  but they are still reporting it as owed
Consumer complaint received 2019-08-17
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: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

XX/XX/2019 a fraudulent charged of XXXX appeared on my bill, which happened at a grocery store, which I frequent weekly, including the day before this Fraud. Have appealed this Fraud with Bank Of America MasterCard twice, and been denied twice. B of A MasterCard continues to deny their POS or memory was hacked, and have charged me.
Consumer complaint received 2019-08-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (NM)

Good afternoon,The overdraft practices at Wells Fargo, are highly unethical, and prey victim to vulnerable individuals who become victims of never ending overdraft fees. The way that their system adds everything at the end of the day when everything post needs to be looked at very carefully, and how it’s affecting consumers who fall behind and can never get a foot because once they get one fee, if they don’t have it by the end of the following day, they hold back more transactions to post following day, once negative you keep getting hit for the additional transactions. Wells Fargo needs to address such issue, that is without a doubt generating them a lot of cash flow. These practices should be banned, WF should be fined for this.
Consumer complaint received 2019-08-17
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Commonwealth Financial Systems, Inc. (VT)

A collection agency listed a debt on my credit report. In early XX/XX/2019I asked for information in writing regarding this debt. It has been six weeks so far and I have not heard from them. I want this debt taken off of my credit report but I need to know what it is and if it's even true but there's nothing I can do if nobody will contact me. This should not be allowed to happen.
Consumer complaint received 2019-05-22
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 recently applied for a townhouse and I didn't get approved. I couldn't understand why until I checked my credit report. I have several items on my credit report that are not mine. I don't understand what's going on but these items are not mine, I didn't approve any of these items and the all need to be deleted from my credit report. I have contacted the FTC and the police. I'm doing this on my own behalf. XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, AUTO XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX. ( Inquiries ) : 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, 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 XXXX, XXXX XXXX, XXXX , XXXX, XXXX XXXX.
Consumer complaint received 2019-05-22
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: Experian Information Solutions Inc. (NY)

I am filing this complaint because XXXX has ignored my request to provide me with the documents that their company has on file that was used to very the accounts i disputed. Being that hey have gone past the 30 day mark and can not verify these account, under section 611 ( 5 ) ( A ) ofthe FCRA - 'they are required to promptly delete all information which can not be verified '' That i have disputed. Please resolve this issue immediately.