davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I recently pull my credit report and I've noticed a handful of account on my report that i have absolutely no knowledge of. Before contacting Transunion, XXXX and XXXX i call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with these companies.
Consumer complaint received 2023-07-23
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: SECURITY FINANCE CORP (GA)

I have never heard of Patriot loans  and have never applied for one with that company yet they have over 5 inquiries on my credit report and its damaged my credit report. I reported the fraud to the credit agencies and they said I have to contact the company individually and I did. They have refused to remove the inquiries
Consumer complaint received 2019-09-09
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: SUNTRUST BANKS, INC. (VA)

Suntrust close my account after I told them not too. And on top of that I still have not received my new check card.. Im XXXX and this bank should be fined. As a customer I reserve the right to say not to shut down my card I was going to call back. But of course they did it anyway..
Consumer complaint received 2020-02-05
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. (TX)

I am writing to dispute a billing error in the amount of XXXX on my Chase Credit Card account. The amount is inaccurate because I signed up for a class that should have had 40 hours of interactive classroom training. I paid for a classroom format, XXXX XXXX   XXXX training that should have included 4 days of group activities, real world examples, Trainer notes sample question paper & case studies along with certification. None of these were received and I found out this company is a scam. This company immediately tried to reschedule the class. They claimed a medical emergency for their trainer ( 10 days before the class ). Unacceptable business practices. I am out the deposits on the hotel and the charge on my credit card. I signed up for a class ( and paid for it ) on XX/XX/XXXX and by XX/XX/XXXX 10 days before the event they were trying to reschedule it and/or move to a different venue. When I checked on XX/XX/XXXX I saw that you can still sign up for this class. I contacted XXXX which hosted the merchant at the venue ( https : XXXX ) and filed a complaint due to the fact that they had a 100 percent cash back guarantee. I filed a dispute with Chase Credit Services in XX/XX/XXXX to make sure that we would be able to recoup funds since the merchant is based in XXXX. Chase credit services has replied back saying that due to no response. I looked and saw that since I have paperless billing they had emailed me to ask sign documents and re-open the case which went to spam. The document said they that findings show the charge was valid because of a certification that I never recieved said certification. As of today XXXX I have not received a reimbursement for the class. I am requesting that the error be corrected, that any finance and other charges related to the disputed amount be credited as well, and that I receive an accurate statement. 

Enclosed are copies of email thread along w/ sales slips and payment records supporting my position. Additionally I provided merchants information about the event They operate under different alias as they conduct shady business practices. I also have show refund information from XXXX supporting my position and email thread from merchant to get refund. Please investigate this matter and correct the billing error as soon as possible.
Consumer complaint received 2020-02-05
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (AZ)

We are attempting to refinance a mortgage that was originally financed through Wells Fargo Bank in XX/XX/2001. For the refinance we asked Wells Fargo and XXXX  for quotes. XXXX XXXX offer was best so we decided to go with them for the refinance. During the process, the title company found an additional lien from Wells Fargo on the property. They and we both called Wells Fargo. Wells Fargo said there was no such lien. We continued to call throughout XXXX and XXXX to be told the same thing, but the county recorders office continue to show two liens from Wells Fargo dated the date of the original finance. Finally mid XXXX I sent a letter to Wells Fargo Lien Release Department reporting the issue and they said they would investigate the matter. I was told it would be resolved by the end of the month. 

XXXX came and the matter was not resolved. They sent an extension letter saying they needed more time to look into the matter. Two more extension letters have come since then. It's now XXXX and our refinance with XXXX is still on hold since XXXX, b/c Wells Fargo is holding things up. It is my belief that if they can not find any information about the lien in question, then they need to put that in writing and let the title company proceed. I believe Wells Fargo is just attempting to force us to stay with them by creating barriers to the refinance with XXXX.
Consumer complaint received 2019-05-21
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

experian your own report states this account was in collections not payments made meaning that it can not be re aged it also state that status update XX/XX/XXXX you did not investigate anything just reported the same thing you had on record. this was a fraudeulent account i did not pay and XXXX is fradulently reporting that payments were made .I contact them by phone they can not show any type of evidence of how payments were made but re aged this over 7 1/2 years old account remove this account at once report  numberXXXX date XXXX XXXX enclosed as factual evidence of what i am stating REMOVE AT Once
Consumer complaint received 2023-07-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (AZ)

I hope this message finds you well. My name is XXXX, and I am writing to address a distressing incident that occurred on XX/XX/2023, involving my Wells Fargo account. 

On that date, an unauthorized transaction amounting to nearly {$25000.00} was processed from my account. What deeply concerns me is that I received a call from Wells Fargo, during which I was purportedly authenticated to authorize the transaction. However, I want to firmly state that I did not provide any such authorization, nor did I initiate the transaction in question. 

Subsequently, I promptly reported the fraudulent activity to your customer support, expecting a thorough investigation into the matter. Regrettably, I was informed that the case has been closed after an investigation, with no change in the decision and a lack of adequate proof to support their findings. I have repeatedly requested evidence from Wells Fargo to demonstrate that they did not commit the fraud, but my appeals have been met with refusal to provide such documentation. 

To further substantiate my claim, I can present evidence showing that the call originated from Wells Fargo 's official phone number and authentication system. Given this information, it is only natural for me to believe that I fell victim to a scam orchestrated within Wells Fargo 's own systems. 

As a loyal customer, I have placed my trust in Wells Fargo for many years, and this unfortunate incident has left me feeling devastated. I firmly believe that the responsibility lies with Wells Fargo to ensure the security and integrity of their customers ' accounts. Therefore, I earnestly request that you review my case once more, with a genuine commitment to resolving this matter and restoring the funds that were taken from me without authorization. 

I implore you to conduct a comprehensive investigation, reevaluate the evidence, and take the necessary steps to return the funds to my account unless clear evidence emerges to prove my involvement in the unauthorized transaction. Additionally, I kindly ask for timely updates and open communication during the course of this review. 

I hope for a swift resolution to this distressing situation so that I may regain trust in the institution I once held in high regard. I trust that Wells Fargo will act diligently and responsibly in addressing this matter. 

Thank you for your attention to this urgent issue. I look forward to your prompt response and a satisfactory resolution. 

Sincerely, XXXX
Consumer complaint received 2020-02-05
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: U.S. BANCORP (NY)

I paid my account in full and closed the account. The company is refusing to report the correct information to XXXX XXXX. XXXX XXXX has requested the update on two occasions and on both occasions inaccurate information was given. As a result, my credit score dropped 100 points from XXXX to XXXX. 

I need help getting this company to report the accurate information.
Consumer complaint received 2020-02-05
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Diversified Acceptance Corporation (CA)

I submitted a dispute yesterday at XXXX PST on the collection agencies website, got a call today 3 times from a bill collector who was harrassing me and said he had no data on his side showing that I disputed the validity of this medical bill ( this should have been paid by my PPO United Healthcare in subrogation ). The collector 's name was XXXX and his extension is XXXX
Consumer complaint received 2023-07-23
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I've been looking to make a big purchase ( engagement ring ) recently so I signed up for Bank of America 's Unlimited Cash Rewards credit card. 

I was approved on XX/XX/23 with a credit limit of {$16000.00}. I chose this card specifically because of the cards features listed here advertised to anyone by Bank of America {$200.00} in rewards for meeting a certain spending amount in 3 months 1.5 % unlimited cash back 18 months 0 % APR My card was shipped on XX/XX/23. I received the card and made a purchase for {$16000.00} ( the limit they gave me ) on XX/XX/23. I placed another {$5000.00} on another Bank of America card ( Customized Cash Rewards ). 

Then on XX/XX/23, I received a letter saying Bank of America was closing both my accounts for the following reasons ( Recent transaction activity on the accounts ) + ( Number of trades on my credit report ). 

As the only transaction that occured on my Unlimited Cash Rewards card was for my engagement ring that must have been what triggered the closure. 

The problem is they essentially pulled a {$600.00} bait and switch with their advertising. They promised the rewards as described for making certain purchases, approved my application and credit line, and now closed my accounts and refuse to provide the {$450.00} in rewards for me to use for the Unlimited Rewards Card. In addition they closed my Customized Cash Rewards card and refuse to let me use the $ XXXX rewards that I earned from using their card for this purchase and previous purchases. 

I contacted Bank of America on XX/XX/23 to log my complaint and a customer service manager named XXXX from Texas, requested reconsideration as he deemed it credible and reasonable. All I have from this complaint log is a ticket number from that date that I saved as a draft in my gmail account ( attached ). 

This can't be seen as gaming the system as I am accepting their advertised offer. I pay all my balances on time. I know Bank of America collects card swiping fees so how can they accept my purchases and bill me the balance without keeping their end of the bargain to provide the rewards as they offered? 

You can't have it both ways... profit off my choice to bank with Bank of America but refuse to provide rewards promised. I'd happily take my purchase elsewhere to another card company who honors their rewards as advertised.
Consumer complaint received 2023-07-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc. (TX)

I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2023-07-23
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. (TX)

I sent letters to the credit bureaus regarding 3 debt collectors XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX who engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.
Consumer complaint received 2023-07-23
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

Capital one bank is to remove their information from my report as I've disputed it several times in regards to it being paid in full and it being over XXXX XXXX XXXX. They haven't removed it and has also sold it to a collection agency whom is reporting negatively as well to retrieve what I don't owe neither am I responsible for after the XXXX XXXX. I would like these accounts removed please. It's been past XXXX XXXX and it's affecting me drastically as I am trying to rebuild. Please help resolve these urgent matters on my behalf. Thank you.
Consumer complaint received 2019-05-21
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. (NY)

On XX/XX/2019, I purchased a treadmill from Amazon using my Chase Amazon Prime Rewards card which offered an 18-month, no interest, equal pay option. However, when I reviewed my statement I found that Amazon had billed the full amount. I made it clear to both Amazon and Chase bank that I was not disputing the purchase but only the billing yet neither one has been helpful in resolving this. 

In checking my most recent statement, I found that Amazon had rebilled the full amount. I contacted Chase who claimed since Amazon provided documentation and I had not the dispute was closed. I protested that I had not received any request for information from Chase, only to be told a call was " attempted '' on XX/XX/XXXX. 

The only call I received on XX/XX/XXXX was from XXXX. No message was left and there was no caller ID so it was sent to spam by my call filter. I XXXX the number but could find no identifying information and when I redialed the number, it would not connect. How on earth would I be expected to identify this as a call from Chase? When I communicated this to the agent I was told I'd receive a letter in the mail but " that could take 10 days. '' I asked if the charge could again be disputed and was told it could but since I had not responded to the initial request ( of which there was none ) I had to provide documents in writing which I mailed this morning. Furthermore, I have attempted to reopen the dispute since XX/XX/XXXX but have been repeatedly met with this error message - " It looks like this part of our site isn't working right now. Please try again later. '' This is a veiled attempt by Chase to prevent me from reopening the dispute. 

In digging deeper on Amazon 's website I found hidden language stating the full amount will be billed for these types of " payment '' plans. Either it's 18 equal monthly payments or billed in full but it can't be both. This practice is deceptive and misleading at best and both Amazon and Chase have been irresponsible in resolving this. 

This entire experience has been one of unending frustration with both Amazon and Chase so I am requesting your assistance in getting a resolution and the payment plan I was promised. I have also filed complaints with the FTC and the NYS Consumer Protection Bureau. 

Thank you
Consumer complaint received 2023-07-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (FL)

Referencing : 15 USC 1681a2, I did not give written permission to have Account # XXXX XXXX XXXX XXXX XXXX XXXX Bank furnished on my credit report. This account was resolved with an Identity report and was deleted by the 3rd party collection agency. Please see attached documents and reports from the Consumer Financial Protection Bureau. I would like for this account to be removed and deleted from my consumer report from all three credit bureaus such as XXXX, XXXX, and Equifax.
Consumer complaint received 2023-07-23
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. (VA)

EQUIFAX SENT ME AND EMAIL STATED THAT THEY NEEEDED MORE INFORMATION INTO FIXING THE PROBLEM ON MY EQUIFAX CREDIT REPORT . SECOND FOR THE LAST 3 MONTHS IM NOT ABLE TO PURCHASE EQUIFAX PRODUCT PLAN TO CHECK MY CREDIT REPORT OR SCORE ON A DAILY BASIC . EVERYTIME I USE MY CREDIT CARD TO PURCHASE THE PRODUCT IT GET DENIED OR I GET SOMETHING THAT SAYS A TECHINAL PROBLRM OR  BLINK . I AM NOT ABLE TO GET ON TO SEE MY CREDIT REPORT ON  MY EQUIFAX .  THE ONLY THING  IT SAYS THAT I DONT HAVE ANY ACCOUNTS THAT IS OPEN THAT INCLUDES REVOLING ACCOUNTS AND INSTALLMENT ACCOUNTS  WHICH I HAVE 10 OPEN REVOLING ACCOUNTS AND I HAVE INSATLLMENT ACCOUNTS OPEN ON MY CREDIT REPORT . I DONT HAVE NY ISSUES LOGGING IN ON MY ACCOUNT THE ISSUE IM HAVING IS I CANT PURCHASED ANY PRODUCT BY USING MY CREDIT CARDS WHICH IS ON FILE WITH MY OPEN ACCOUNTS . I CALLED IN SEVERAL TIMES TO EXPLAIN THE ISSUE AND I GET THE RUN AROUND . EQUIFAX STATES THAT THEY NEED DOCUMENTAION TO SHOW PROVE OF MY IDENITY SO I HAVE INCLOSED MY VIRGINIA DRIVER LICENSES FRONT AND BACK AND MY SOCIAL SECURITY CARD FRONT AND BACK AND I ALSO INCLOSED MY ADDRESS MY MAILING ADDRESS AND MY THE ADDRESS WHERE I LIVE. CAN THEY UPDATED THAT CORRECTLY ON MY CREDIT REPORT NOT SURE IF MY CREDITOR UPDATED THIS WITH EQUIFAX . MY MAILING ADDRESS WIWTH ALL MY MAIL GOES TO XXXX XXXX XXXX XXXX XXXX XXXX  THEY DONT HAVE MY RESIDENT ADDRESS ON MY EQUIFAX CREDIT REPORT CAN THEY ADD THAT WHICH IS XXXX XXXX XXXX XXXX XXXX XXXX . I HAVE  ENCLOSED PROOF OF MY ADDRESS ONE IS FROM VIRGINIA CREDIT UNION MY  BANK STATEMENT WHICH IS MY MAILING ADDESS FOR ALL OF MY CREDIT CARDS ON FILE SO CAN THEY UPDATE THAT CORRECTLY . SECOND I HAVE ENCLOSED A LETTER FROM THE POST OFFICE THAT SHOWS MY RESIDENT ADDRESS WHICH THE ADDRESS IS NOT ON MY CREDIT REPORT . CAN THAY ADD THAT TO MY FILE I ASK ABOUT THAT SEVERAL TIMES AND NOTHING BEEN DONE.    ALSO MY XXXX XXXX  CARDS  HAS NOT BEEN UPDATED CORRECTLY AS OF XXXX XXXX XXXX  . ON MY OTHER CREDIT FILES IT BEEN UPDATED ON XXXX  AMD XXXX XXXX CORRECTLY , CITI CARD ONE SUPPOSED TO BE UPDATED ON XXXX XXXX AND THE OTHER SUPPOSED TO BE UPDATED ON XXXX XXXX . NEITHER OEN BEEN UPDATED AND I PAYED BOTH ACCOUNTS OFF WITH A ZERO BALANCE ON BOTH CAN YOU GET WITH THE CREDITOR ABOUT THIS .
Consumer complaint received 2020-02-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AMERICAN EXPRESS COMPANY (UT)

Spoke with American Express agents XXXX ID XXXX, XXXX ID XXXX from the Fraud department. Trying to clear some fraudulent debts from my name. That still hasn't been cleared from the back office from American Express. Both agents apologized as they stated American Express fraud claim procedure normally is handled and resolved in a timely manner. 

These accounts reflect balances that were a result of fraud and unauthorized purchases. 

GOLD : {$3800.00} GREEN : {$1700.00} BLUE : {$1200.00} I mailed by certified mail last year the statements to American Express however the balances were never cleared. 

I am attaching to this complaint the statements highlighted with the fraudulent charges to clear the matter and debt from my name.
Consumer complaint received 2023-07-23
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. (IL)

On XX/XX/XXXX i sent a dispute letter regarding inaccurate information reporting on my credit file, i haven't received a response, on XX/XX/XXXX i sent my XXXX letter and never received a response, on XX/XX/XXXX i submitted a complaint and the company never provided me documentation or an update on my credit file, i have addresses this matter several times, on XX/XX/XXXX i sent my FTC Report and i still haven ; t received a response XXXX years i been trying to get resolutions on the accounts that do not belong to me.