davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-29
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: WELLS FARGO & COMPANY (NC)

I had a credit card which was closed because of the coronavirus, unemployed, and the limit of the credit card exceeded amount of {$400.00}. My limit was {$2500.00} so the credit card company closed the card and offered me a settlement plan for the amount. There was 3 kinds of plans they offered me, but i prefer the plan of paying {$1600.00} in 3 different months of which monthly would $ XXXX monthly. I started paying on XX/XX/XXXX for the first payment. The second payment i payed on the XX/XX/XXXX because the bank was closed on the XXXX ( it was Sunday ). The third payment is the last of the {$1600.00} i was to pay on the XX/XX/XXXX but unfortunately i went to the bank to pay and the bank was closed because it was the XXXX XXXX XXXX holiday. So i called the bank someone told me the department of settlement didn't work on that day because of the holiday. The lady i was talking to gave me the number of the collection team and there was no reply from them. I called on the XXXX they answered the phone and when i submitted my information and was ready to pay so that i can be free from Wells Fargo they say " payment denied '' i asked them why they said " you failed to pay on the XXXX '' then i told them " i never failed to pay, you failed to collect '' now they transfered me to the head office and nothing was done for me. They said all the money i payed previously has no value anymore and that i have to start a fresh settlement of {$1700.00}. So those people were very unfair i got a Wells Fargo case number. My case number is XXXX. Nothing was done for me and the last word from the big boss was " nothing can be done for you ''. So I'm crying to the government to help me through this unfair situation because they told me to pay {$1700.00} extra and i don't have the money for that. I hope you can help me through this situation. Thank you very much. 
-XXXX  XXXX XXXX, XXXX - #, XXXX
Consumer complaint received 2017-11-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (TX)

The aforementioned credit collection agency representing XXXX XXXX XXXX XXXX has violated the FCRA by not providing documents to me in regards to this debt. I am unaware of this creditor and have not received anything that pertains to this debt. This account is unverified and immediately needs to be deleted from my all credit files : XXXX XXXX and XXXX 

The business is required to disclose to me all of the documents that they have recorded and retained in their files that pertains to this " debt ''. If MIDLAND FUNDING LLC does not have any documentation, they need to retract this from my credit file immediately.
Consumer complaint received 2021-01-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

It's almost 60 days today since Ive sent Dispute regarding to those unknown and inaccurate accounts I found on my credit report. But I haven't received any response.I was so stress and I Demand to immediately REMOVE those account on my credit report or I will file a litigation.
Consumer complaint received 2021-01-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: JPMORGAN CHASE & CO. (NY)

On XX/XX/XXXX, at my local bank branch, I opened a new credit card account with -XXXX- balance transfer and no transfer fee features for the purpose of paying off ( at another institution ) a {$28000.00} -XXXX- balance transfer account expiring XXXX. I arranged for a credit limit that would permit that transaction. I subsequently received a " Cardmember Agreement '' and " Cardmember Agreement Rates and Fees Table '' in the mail. The latter stated " Balance Transfers : 0 % Intro fee on transfers made within 60 days of account opening. After that : Either {$5.00} or 5 % of the amount of each transfer, whichever is greater. '' on XX/XX/XXXX, I called the bank 's XXXX # and requested the transfer, only to be told that the bank 's policy permitted only {$15000.00} to be transferred at that time and that I would have to wait until my next cycle closed ( estimated at XXXX ) to transfer more. 

THIS WAS THE FIRST MENTION OF ANY DOLLAR OR TIME LIMIT ON TRANSFER AMOUNTS IN THE BANK 'S PRINTED MATERIALS OR IN ANY CONVERSATION WITH BANK PERSONNEL. 

DELAYING THE SECOND TRANSFER FROM XX/XX/XXXX TO XXXX IS COSTING ME 18.99 % INTEREST AT THE RECEIVING BANK AND WILL TRIGGER A 5 % TRANSFER FEE ( {$670.00}. ) FROM THIS BANK BECAUSE IT WILL BE BEYOND THE 60 DAY -XXXX- FEE PERIOD. 

I appealed this situation with three phone " supervisors '' and was finally given a fax/mail ( no phone! ) contact at a so-called " Executive Office ''. I sent a comprehensive letter there requesting a waiver of the time limit based on the bank 's communication failures. 10 days later I received a phone message from some analyst saying the bank could/would not change its POLICIES to correct this situation ; it did not address the facts/circumstances of the matter as described in bold above. I called the number left in the message to discuss the unfairness ( illegality? ) of their policy and their response, but have had no response. I tried to escalate my case to higher management, but no address or phone number is available on their website and the local bank branch informed me that it was company policy not to disclose that information ( to a long time customer! )
Consumer complaint received 2021-01-29
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: EQUIFAX, INC. (LA)

My attachments will describe the issues which involve : 1. XXXX failure to comply with Fair Credit Reporting Act ; 2. Failed to correct incorrect derogatory information in my file ; 3. Exhausted myself providing evidence that refutes information contained in my credit report ; 4. Failed to include statement in my credit report sent certified mail 3 bureaus ; 5. Failed to notify me that they had frozen my account ; 6. Failed to notify other credit bureaus ; 7. Failed to provide a credit score and report as recently denied credit.
Consumer complaint received 2020-12-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A. (FL)

I sold a property on XX/XX/2020 on which Flagstar held the mortgage. Consequent to closing, I received a letter dated XX/XX/2020 demanding {$350.00} fee not collected at closing. The letter threatens to collect and cloud the title to the property and refusal to issue satisfaction of mortgage. The letter gives me 10 days to send payment. I contacted Flagstar to contest and provided a copy of closing documents, their payoff demand and payment in full - and was issued reference case no. XXXX. I have asked for assistance resolving and written confirmation of a resolution. Numerous calls to the Customer Service/Payoff Department said they have to research the matter further. To date, Flagstar has not responded with additional information regarding the charge. Flagstar shows the matter is still unresolved and pending collection. I am requesting assistance in resolving the matter and obtaining confirmation from Flagstar the mortgage has been paid off, and the satisfaction of mortgage. Flagstar remains unresponsive.
Consumer complaint received 2020-02-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CITIBANK, N.A. (CA)

I have received several calls from XXXX regarding a Citibank account that I had in XX/XX/XXXX. The representatives I've spoken to claim that I was given a settlement amount of {$1000.00} and something, but since I have not paid the settlement amount, that my wages will be garnished for an amount in the {$2000.00} range. I filed for bankruptcy in XX/XX/XXXX which discharged the debt I had previous to XX/XX/XXXX.

Not only is this company, XXXX XXXX XXXX, using outdated information, but they have called my family members who were not co-signors nor otherwise involved in the accounts I had in XX/XX/XXXX. They are harassing me and threatening to garnish my wages as well as harassing family members who have nothing to do with this debt by leaving cryptic messages and causing them to worry.
Consumer complaint received 2017-11-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY (FL)

Good Morning, I hope that this email finds you well. I need help with a dispute with American Express that I have been having since XXXX. 

I made an ACH payment to American Express on XXXX/XXXX/2016 in the amount of {$410.00} and the payment never was applied to my account. American Express has informed me that they have found the transaction but they have also informed me that they ca n't find the transaction. They keep closing the the investigation. I have proof from my bank XXXX XXXX and American Express that the payment was made and received but the payment is not being reflected on my account. American Express claims that I made a payment on another card members account which i never would have done because my account is a corporate account used for Travel Expenses for XXXX. 

Can the CFPB assist in this matter? I have been dealing with American Express for nearly 4 months. 

My Best XXXX
Consumer complaint received 2023-03-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I asked the credit bureaus to verify the following accounts but after sending in a letter of dispute, they still failed to verify the said accounts. 

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX  Account number : XXXX, XXXX  Account number : XXXX, XXXX Account XXXX : XXXX, XXXX XXXX Account number : XXXX, DEPTEDXXXX Account number : XXXX, DEPTEDXXXX  Account number : XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) Account number : XXXX, XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX Account number : XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) Account number : XXXX, XXXX XXXX XXXX XXXX Original Creditor : XXXXXXXX XXXX XXXX XXXX  XXXX XXXX ) Account number : XXXX, XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) Account number : XXXX, XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX ) Account number : XXXX, has violated my rights. 

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

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2023-03-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (NJ)

I bought a plane tickets using XXXX XXXX XXXX. I got sick and cancelled the flight. I had an insurance provided by a Chase Sapphire credit card. I went to the doctor and have a doctor notes confirming my sickness and clearly stating what conditions I had. I submitted an insurance claim. Until now I did not get my points back and it is already an 8 month insurance company keep asking me for new things which I keep sending them, however no meter what I had provided it is not enough for them. I am very disappointed with how Chase sapphire handling this situation and I feel that insurance on the card is simply a ripoff and a fraud.
Consumer complaint received 2017-11-02
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BBVA FINANCIAL CORPORATION (FL)

My name is XXXX XXXX and I 'm a victim of Identity theft, Ive attached my FTC identity theft report. I believe that my accounts have been used fraudulently in the past and currently. Can you please check to see if any personal or business accounts are open under my social security number or have been open in the past. if so, can you please close the account and send every single statement to my address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX SSN # XXXX
Consumer complaint received 2021-06-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

I no longer own the vehicle and was given permission to return the car with no hassle. The vehicle debt was suppose to be paid to a XXXX balance once I voluntarily surrendered the vehicle. The account is reporting that I have a balance and that is inaccurate. 

This happened around XX/XX/2018. They are still till this day trying to offer settlements for something I no longer owe.
Consumer complaint received 2020-02-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (MI)

Someone stole my debit card in fraudulently charged several items to my credit card after I reported these charges to chase chase reimbursed me for partial of my items but did not replace my last item or refund it due to the XXXX  for our liability
Consumer complaint received 2017-11-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.Q. DATA INTERNATIONAL, INC. (CA)

XXXX XXXX : IQ Data. XXXX XXXX XXXX, XXXX, wa XXXX XXXX XXXX XXXX, Mgr Acct # XXXX Original Debtor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX refused credit and to sign lease based upon insufficient credit. 
roommate signed as leaseholder and I moved into XXXX XXXX per XXXX XXXX policy : in consideration of holding a set of extra keys : signed the lease. 

rent was paid for the 3 months lived there on time and in full. 

XXXX XXXX : notified XXXX XXXX of vacating premises, moved out, returned my set of keys to XXXX XXXX XXXX thus ending my lease commitment, which was based upon the contractual consideration of holding a set of keys, XXXX XXXX : XXXX XXXX XXXX evicted my roommate. they had knowledge I no longer lived on the premises and no longer had keys to the apartment, they therefore knew that an eviction was moot, and also that I could not be served at the address of the apartment I had vacated, facts : my entire income : social security and long term XXXX, are exempt from judgement per California XXXX procedure statutes, ccp 704.130 & ccp 704.080 facts : 1 ) I repeatedly called Iq data AND XXXX XXXX apartments asking for : proof of debt. copies of all documents I had signed, and to give them ALL the facts I report here, XXXX ) XXXX XXXX XXXX, and XXXX him XXXX XXXX XXXX actually hung up on me as did another iqdata rep when I asked for those documents, said they could not and would not provide written proof of debt, and ... during a recorded conversation tried to start stating " facts '' that were simply not true. 

I spoke to XXXX XXXX XXXX, XXXX XXXX XXXX mgr, XXXX, another XXXX, and various others over the space of several months, My calls were returned twice out of those many contacts, I have yet to receive ANY written correspondence or serious attempt in writing to provide the documents I have asked for. 

I am asking for the following resolution : XXXX XXXX IQ Data and XXXX XXXX XXXX will remove any reporting of this debt on my credit reports. 
XXXX ) notify me in writing that this has been done,
Consumer complaint received 2023-03-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Ogden Holdings, LLC (GA)

This account is showing on my credit report as charged off and is reporting every month that the account is still charged off, However i filed bankruptcy XX/XX/2019 and included the company. There response was the account had charged off before i filed bankruptcy, but I did include them and the collection agency that it was sent to. They should have reported the account past due and then reported charge off for two months until i filed bankruptcy and then they should have reported the account as XXXX  and stop reporting charge off every month as they are also trying to collect on that balance that was included in my bankruptcy. This has charged me higher rates on current auto loans and also denied me for other ones due to them reporting the account as still being negative. They have refused to fix the reported information on my credit. I have contacted an attorney out of XXXX that has told me to take all these steps so when we go to court i can prove that I tried every possible step to take to fix this issue. I also filed a XXXX, There reply was that the account was charged off before bankruptcy BUT the account was included in my bankruptcy charged off or not. This is my final attempt to resolve this before a lawsuit is filed for unfair reporting, and collecting on an account that was included in my bankruptcy
Consumer complaint received 2021-01-29
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: EQUIFAX, INC. (MS)

THESE ACCOUNTS WERE LISTED ON MY CREDIT REPORT AND I HAVE NEVER OPENED THESE ACCOUNTS. MY INFORMATION WAS USED IN A DATA BREACH BECAUSE I HAVE NO BUSINESS WITH THESES COMPANIES, PLEASE HAVE THESE ITEMS REMOVED FROM MY FILE.
Consumer complaint received 2020-12-11
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY (VA)

I opened an account in a Wells Fargo Branch in XXXX XXXX, VA on XX/XX/XXXX. I opened one checking account. On XX/XX/XXXX I received a call from a Wells Fargo representative stating my account would be closed. The only transaction on the account was a {$25.00} deposit. So I was then transferred to another department that asked me had I ever had a Wells Fargo account I said no. So then I was told there was an account in XXXX that was opened another social was used, the signature on file didnt appear to match and another last name was used. So I was asked had I been contacted by Wells Fargo in the past I said no. Clearly nothing in the profile belonged to me. Then the representative said there was a bad check deposited into the account. Which I had no knowledge of. Then I was told that they would combine my information with the other one Im confused because how does my actual information get combined with someones else and how am I liable for an account that isnt even mine. Im being told that I now have a negative balance for an account I just opened and only deposited {$25.00}. My account was closed less that 24hrs after opening it.
Consumer complaint received 2019-01-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: PNC Bank N.A. (FL)

Starting on XX/XX/2019 I began accumulating mass amounts of overdraft fees and it was all due to my mobile app and online banking not reflecting appropriate balance info when I was logging in to check prior to purchases. Now after the initial overdraft fee I continued to be assessed fees until XX/XX/2019 and in total had 5 overdraft fees. 2 of these fees I was aware of prior to withdrawing money however the others were done wrongfully. I feel lied to because of the online information being wrong. This is the 2nd time I've had an issue with pnc bank over charging me on overdraft fees and all due to how the mobile app and online banking process things. Of course the PNC employees did nothing. I love having PNC as my bank because when I do need to use the overdraft coverage it does help which is why I was expecting the two overdraft fees from cash withdrawals. However because of this huge amount of overdraft fees I'm missing money for bills which upsets me greatly. It isn't fun feeling like you cant always trust your financial institution. I want to be refunded 3 of the overdraft fees due to the way the mobile and online systems have processed things.
Consumer complaint received 2023-03-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX ; XXXX XXXX ; XXXX, XXXX, A ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XX/XX/XXXX ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2023-03-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.