davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-02-20
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL (NY)

In XX/XX/XXXX I was contacted by a con artist posing as an employee of XXXX offering me the opportunity to participate in a market research study regarding consumer satisfaction with a new XXXX card. I was told it was a gift card, and that I should apply for one. It would be " loaded '' with XXXX 's funds so that I could make sample purchases from the XXXX site. I would be interviewed about my experience with using the site and the card. In return for my participation, I would receive {$50.00} per interview. 

As I have participated in other market research studies, this did not seem unreasonable. I applied for the " gift card '' and was told by the thief that I should call XXXX to make sure it was " loaded '' with funds. I asked if they wouldn't notify me by email and he said they would not. I called an was told the card number and that I had {$1800.00}. 

I then followed instructions to purchases 6 gift cards totaling almost {$1800.00} which were delivered to me in the next few days. Each time I received a delivery, I was told to notify the thief, who asked me questions about the packaging and timeliness of delivery. He then told me to send photos of the cards, including the number on the back requiring me to scratch it off. 

On XX/XX/XXXX I received an email telling me that my XXXX credit card had been approved with a credit limit of {$1800.00}. I immediately realized I had been scammed and notified XXXX and Synchrony Bank, the issuer of the card. Since then I also made several phone calls and sent a letter to Synchrony on XX/XX/XXXX regarding the scam. I hold XXXX and Synchrony responsible for making this crime possible by failing to inform me promptly that I had been approved for a credit card. Clearly the thief knew about this weakness in their procedures and was experienced in exploiting it. 

I received a letter from Synchrony dated XX/XX/XXXX in which they said my dispute with the merchant had been resolved in the merchant 's favor. They included many pages of proof that gift card had been delivered to me. My complaint never said that I did not receive the gift cards. Therefore I do not consider the complaint resolved because they never addressed the substance of my complaint.
Consumer complaint received 2019-02-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

Bank of America is reporting the mortgage as an individual account. The account is joint with my ex husband, I am not a veteran. He received the house in the divorce and is not making the payments. It appears that the house is only in my name and I am not a veteran, so there is no way I can get a VA loan. I have disputed this and Bank of America will not listen. This is not on my ex credit at all. This has stopped from being able to get anything because no one believes anyone else is on the account. Bank of America is breaking reporting laws and I'm requesting this is deleted from my credit report. My ex has filed bankruptcy so my mortgage company says this other mortgage should not be reported at all. So they don't report the house I live in and pay the payments on time. So this one that shows only in my name not being paid on time looks doubly bad.
Consumer complaint received 2023-08-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-02-20
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO. (FL)

I signed up for a Chase Checking Account on XX/XX/XXXX. Chase.com advertised a {$200.00} bonus when direct deposit is made to the account within 60 days and with a coupon applied. I signed up online by clicking the green Open Now button shown in attachment Capture1, which states below it " Coupon code automatically applied ''. I opened the account through this link believing the code was applied. 

Apparently, this was not the case and the code was not active, in spite of the advertisement on Chase.com. My first direct deposit was made to the account on XX/XX/XXXX, as shown in attachment Capture2. I waited until statements covering 60 days were posted, but did not receive the {$200.00} bonus. 

On XX/XX/XXXX, I visited a local Chase Bank branch and spoke with a manager who referred me to call the corporate customer service ( XXXX ) to investigate why I had not received the bonus. 

On XX/XX/XXXX, I contacted Chase 's customer service team and was told by the first representative that I should have received an email with the code. I explained there was no code provided because I had followed the link where the code should have been automatically applied as advertised. The representative told me that because I had not applied the coupon code ( which was never provided ) to the account within 30 days that the {$200.00} bonus was forfeited. I asked her to transfer me to a manager for further discussion and she disconnected the call. 

Frustrated, I immediately called back and spoke with a different representative. She explained that the code indeed should have been automatically applied and must have failed at some point in the process. She placed a note on my account detailing that this {$200.00} sign on bonus is active until XX/XX/XXXX, but told me that my only option was to contact a manager of a local branch to ask them to add the code retroactively to my account.
Consumer complaint received 2023-08-17
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. (NY)

My credit report is showing late payments to XXXX XXXX XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX customer service representative.
Consumer complaint received 2023-07-18
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. (FL)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
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 2023-08-16
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (NY)

On XX/XX/23 I checked my Chase bank account and noted 3 XXXX transactions on XX/XX/23 for {$2000.00}, {$400.00}, and {$100.00} paid to XXXX were authorized. Another transaction for {$35.00} was paid to XXXX XXXX XXXX was also authorized. No text, no email, no calls received from Chase Bank for those transactions. 

I went to the Chase branch in XXXX XXXX and explained to an agent of what happened to my account. The agent called the XXXX number on the back of my card and spoke to another agent who reported that a complaints will be filled on my behalf I need to get rid of my old card, and Chase would send me another card. 

On XX/XX/ I tried to check my account online to find out that my account was locked and that I need to call the XXXX provided to get it unlock. When I called the agent told me that my account was locked because of the {$1000.00} XXXX transaction I made the day before. I have explained to the agent that I did not authorized the transaction and a week before that I have explained to a chase agent that I will NEVER MAKE A XXXX TRANSACTION USING MY CHASE ACCOUNT. Again no text, no email and no calls received from Chase for that transaction. 
The agent reported that it could be that someone hacked my computer because the problem is not from Chase. 

I have contacted AVG antivirus to find out why an my laptop was hacked while I have an account with them to protect my laptop and phone. I have paid {$220.00} to performed a deep scan on my devices and they found no suspicious activity on my devices. I have made that payment using my Chase credit card because my checking account was still locked and Chase sent me a text right away before allowing the payment. Chase also send me a text and a en email to remind me to pay my credit my credit card. 

Chase had retuned the {$35.00} for XXXX transaction and the {$1000.00} transaction for XX/XX/ transaction with a letter that said the money returned to my account is temporary while they are investigating. Another letter received that Chase Had decided not to return the {$2500.00} for transaction made on XXXX  because they have proof that Ive authorized that payment. 

I am not some criminal making transactions and then trying to scam Chase out of money. That money is from my rent, food on the table, car payment, insurance payment and most of all my sons tuition. 

PLEASE, HELP ME GET MY MONEY BACK FROM CHASE BANK.
Consumer complaint received 2024-08-29
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Remitly, Inc. (MI)

Got an email this morning from remilty which I never opened an account they tried several times to collect XXXX $ from my account I already had my back cancel my card, the merchant was XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX their bank XXXX  currency is XXXX, Was canceled for XXXX please I can not have this happen anymore please get them
Consumer complaint received 2019-02-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ProCollect, Inc. (TX)

During the time period of XX/XX/XXXX - XX/XX/XXXX an apartment lease was opened in my name. This person lived there for 5 months, never paid 1 dime of rent and then left the premises I have lived in the same house with a mortgage since XXXX. I contacted Pro Collect and they will not accept the proof I have provided, which includes utility bills and cable bills showing my proof of residence at my home. The collection manager uses no common logic and will only repeat that I need to provide proof, but will not provide me exactly what she needs in order to resolve this. 

The application was signed online so there is no signature and simply is not me. Im not saying they didn't use my ID or a ID created with my information. 

This company is living in the stone ages and does not realize how crafty identity thieves can be. They claim to have proof by saying my ID is on file, but in the course of my living in XXXX I have lost my wallet and can only imagine what else its been used for. I have provided the FTC report and numerous documents. No matter what proof is provided they will play hardball and try to get you to settle.
Consumer complaint received 2023-07-18
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)

This is my one of my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 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 2022-04-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE (CA)

I paid my balance in full to Barclay over a XXXX dollar in XX/XX/2022, I was reviewing my emails and notice an email from Barclays stating I had a balance of {$71.00} this was so confusing to me sense I paid my balance in full. Call Barclaycard the first rep left me on hold for over 20 mints, I called again and I have this gentleman who was very nice, he extra lain to me the reason I have a balance and I explained to him that I should not have a balance since I paid my credit card in full, he try to remove the fees but require a manager, after a few minutes he came back and told me his manager wave Si e fees but not alll of them, I had to pay {$34.00}. I was very upset and still am, i have really good credit, always paid more than the minimum payment, I had always been on time with them and for them to treat people like that, I close my account with them, but some one has to let others know of the bad credit cards companies
Consumer complaint received 2024-09-21
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (IL)

this is Synchrony XXXX  account ( note : no problem with other Synchrony accounts ) 1. Bills do not arrive on time 2. I pay through my bank and they guarantee on time arrival at vendor and have verified that pays arrive at Synchrony on time ; Pay not posted to my account in a timely fashion.

3. Repeatedly charged late fees for what appears to be their porcessing problems XX/XX/XXXXXXXX  ( payment due date ) late fee {$41.00} assessed XX/XX/XXXX {$41.00} late fee.Again my bank issued payment 9 days prior ; bank records show payment cashed at Synchrony. 
XX/XX/XXXX another {$41.00} late fee-same routine XX/XX/XXXX another {$41.00} late fee-same routine This bill was paid on Synchrony pay site on XX/XX/XXXX but still has not posted as of XX/XX/XXXX over 24 hours later They will only remove 2 late fees a year. I was able to get a 3rd removed after escalating to a 3rd supervisor Something smells like 2 days old fish in the sun the {$41.00} fee is way above amount allowed by new XXXX law that limits CC issuers form engorging their bottom lines at the expenses of hapless customers ( THANKS CFPB )
Consumer complaint received 2019-02-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc. (TX)

In XX/XX/2019 we paid {$8000.00} in order to put our equity >20 %. We wrote a detailed letter to the Caliber Escrow Dept. seeking elimination of PMI ( complying with their required BPO house value estimate, at a {$100.00} cost to us ) and also requesting elimination of our escrow ( we had done this with our previous house with XXXX XXXX because of similar problems ). We never received direct answers to these inquiries in our letter. We have repeatedly been given the run around, or canned answers that don't answer our questions. We are current on the loan and have never been even a single day late with our payment. 

Tired of the escrow abuse. This happened with our last house ( XXXX XXXX ) and is happening again with Caliber Home Loans. Currently, they are in receipt of {$2000.00} they initially paid to XXXX for home insurance ( they paid them but XXXX returned it because we paid it along with our auto insurance ). We believed we would be able to eliminate the escrow and pay taxes and insurance ourself. Also the PMI should be eliminated based on our paying {$100.00} for a BPO estimate. This of course ties into the escrow. If we pay insurance -- and we didn't even request reimbursement from the escrow for the {$450.00} flood insurance after Harvey we already paid for -- then without PMI too, the escrow amount should be around {$700.00} per month not close to {$1000.00} as it is now ( taxes of about {$8300.00} ). What is Caliber doing? Pooling everyone 's escrow to their benefit. There is no reason the {$11000.00} should sit in an escrow account without earning interest, especially when their calculation of the escrow is wrong.

Caliber from day one has gotten their end of the bargain -- timely mortgage payments of principal, interest and escrow. Also after Harvey we have maintained both homeowner 's and flood insurance. Now, we simply want the escrow to reflect accurately the account or, preferably, be eliminated as we are able to easily pay the year end taxes.
Consumer complaint received 2019-02-19
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. (MO)

XXXX and Transunion are reporting incorrectly that I am 120 days past due on several loans with the XXXX XXXX XXXX that have a {$0.00} balance and a {$0.00} past due. This is harming my credit and it is obviously impossible to be past due on something that does not have a balance. I am going to list the partial account numbers for the XXXX XXXX XXXX as well as attach a copy of my credit report. 

XXXX : Account numbers XXXX ; XXXX ; XXXX ; XXXX ; and XXXX.
Consumer complaint received 2023-07-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/2023, at around XXXX, I went surfing XXXX XXXX XXXX XXXX in XXXX. When I returned, I couldn't find my keys. I thought I might have left them in my car, so I called XXXX for help. After XXXX opened my car, I realized that my keys, phone, and wallet were stolen. 

In my wallet, I had my Wells Fargo debit and credit cards, driver 's license, and other items. I immediately called Wells Fargo to report the stolen cards. They informed me that there were unauthorized charges of {$3800.00} on my credit card and {$6900.00} from my checking account. I confirmed that I didn't make those charges, and Wells Fargo assured me that they would investigate and freeze my accounts. They also gave me a reference number for the call ( XXXX XXXX ). 

After contacting Wells Fargo, I called the XXXX police department to file a police report ( XXXX XXXX ) for the stolen items and the police arrived around XXXX. I reported the stolen car keys, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Wells Fargo cards, XXXX XXXX XXXX, and XXXX XXXX XXXXXXXX XXXX 

The unauthorized charges on my credit and debit cards were both made on XX/XX/2023, at the same XXXX XXXX XXXX XXXX XXXXXXXX ) in XXXX XXXX, California. Wells Fargo refunded the {$3800.00} charge on my credit card on XX/XX/2023. But when I inquired about the checking account charge on XX/XX/2023, they denied my claim and gave no explanation. 

Unsatisfied with their decision, I reopened the claim for a second evaluation. On XX/XX/2023, Wells Fargo informed me that my claim was denied again, stating that I authorized the transaction using biometric verification on my phone. However, my phone had been stolen. 

The {$3800.00} charge on my credit card was refunded without any problems. 
The {$6900.00} charge on debit card was posted to my account on XX/XX/2023, two days after I called Wells Fargo and filed the police report. Wells Fargo wrongfully rejected my checking account claim, stating that I authorized the transaction, even though I informed them immediately that I didn't transact after my wallet was stolen. 

Please advise on what I may need to provide.
Consumer complaint received 2019-02-19
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Penn Credit Corporation (GA)

Penn Credit Corp attempted to collect a debt that has been paid in full with the City of XXXX XXXX. The amount that Penn Credit has placed on my credit report is incorrect and also paid in full. They claimed that this account was opened on XX/XX/2016 for the original debtor City of XXXX XXXX, GA. 

I have disputed this with the company as well as the credit bureau and they claim I owe this to them.
Consumer complaint received 2019-02-19
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. (TX)

To whom it may concern, I am trying to get my credit report to be 100 % accurate. I have disputed several times now with all three bureaus and with each bureau I get the infamous response of verified as accurate. I am going to attach copies of the dispute letters that I have submitted and the evidence to support what I am asking. Items such as collection accounts showing a past due on my credit report which is a violation. The date of status or date updated are inaccurate and show me that the credit bureaus aren't even conducting an investigation at all so how can they say the verified as accurate? Monthly payment due on closed accounts and late payments showing after the account was closed and still reporting. These are all violations and because of this they should be on my report. I have disputed these specific reasons and still am not getting results. I am also have a issue with XXXX and XXXX   reporting my personal information inaccurately. I have provided them with the proper documentation but I still have more than one phone number listed more than one address and more than one full name listed. I should know what my information should be and look like so this shouldn't be a issue. I am also having issues with hard inquiries on my credit report that I have no open account that they could be attached to or my authorization to run my credit. I have not authorized anyone to run my credit for anything
Consumer complaint received 2023-08-17
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: LOBEL FINANCIAL CORPORATION (FL)

Hello, I am dismayed to have seen in my credit bureau a car loan that does not belong to me. The car loan originated in XX/XX/XXXX, when I was not yet a legal resident of the US. I arrived in the US on XX/XX/XXXX. Now I am desperate for start making a credit history in this country, and I can't because I have that debt in my credit bureau. Please, I need to know what I can do to resolve this unpleasant situation in which I am accidentally involved. 
XXXX XXXX XXXX XXXX XXXX