davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-01-13
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)

To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : 1. Identity Theft company or organization XXXX  card account number XXXX date that I discovered it XX/XX/2019
Consumer complaint received 2020-01-13
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. (CA)

To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : 1. Identity Theft company or organization XXXX  card account number XXXX date that I discovered it XX/XX/2019
Consumer complaint received 2020-01-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: JPMORGAN CHASE & CO. (CA)

Upon opening the credit card through Amazon Prime and Chase Bank, they said that no payments were due for 6 months. A late payment then showed up on my credit report before the six months had run out. They refused to contact the credit reporting companies to have it removed. This happened about 1.5 years ago.

Since then, I have only used the card a single time because of the negative experience, for a purchase of {$10.00}. I paid the amount after my first bill. I have now received two subsequent bills for this amount. When I call into the company, it claims I have a XXXX balance. Chase will not confirm my XXXX balance via email. They will not give me the last name of any employee that has confirmed my XXXX balance. I continue to receive bills in the mail. This continues to go around - I get a bill for XXXX, I call in, they confirm I have a XXXX balance, and then I get another bill, this time for XXXX ( with interest ), call in, confirmed XXXX balance. The amount on the paper bill I receive now claims I am 60 day delinquent. But when I speak to them on the phone, they claim I have a XXXX balance. Because of the first issue, my credit score dropped from XXXX to below 700. I am afraid they will screw up my credit again. They won't confirm my XXXX balance via email, but keep sending me bills. 

I am going to scream!
Consumer complaint received 2018-12-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (MN)

Today, XX/XX/2018, I spoke with a Wells Fargo Bank representative. There were unauthorized transactions on our bank account. I disputed them, and read my email today. It said investigation was complete and I would get a letter explaining more about it. After checking my account, I noticed a credit of only {$22.00}, from Wells Fargo. Like I said earlier, I then called and spoke with a Wells Fargo representative. The agent noticed the amount was low, and said the amounts disputed were a few XXXX dollars. He referred me to a claims specialist. I spoke with a claims specialist, and she said, Wells Fargo can only credit the first 60 days of unauthorized transactions. The other amounts will take 45-60 days to see IF Wells Fargo can get it back. She said it is because it is through the Merchant directly, that is why it takes so long. I felt like something was wrong with that Picture? That is why I'm reaching out to you, so I can have my claim expedited. Still {$400.00} that Wells Fargo hasn't credited me back. Again, my email from Wells Fargo, did say, that an error had occurred on my account, from unauthorized transactions. Please help me, and Wells Fargo expedite the situation! Thank you.
Consumer complaint received 2018-12-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: NRA Group, LLC (GA)

All dates on accounts are almost showing present, no one can provide a contract with a ink signature showing I opened or have Any connection to the accounts and the ones are mine are from 2011 and prior far to old to be showing
Consumer complaint received 2020-01-13
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: CITIBANK, N.A. (NY)

The following are the four fraudulent credit card purchases made to businesses in the XXXX, PA area on the dates as noted : ( 1 ) XX/XX/2019, XXXX XXXX ( {$2500.00} ) ; ( 2 ) XX/XX/2019, XXXX XXXX ( {$2700.00} ) ; ( 3 ) XX/XX/2019, XXXX XXXX XXXX ( {$700.00} ) ; and ( 4 ) XX/XX/2019, XXXX XXXX XXXX ( {$700.00} ). I did not make these purchases, nor did I authorize anyone to make these purchases, which totaled {$6000.00}. Upon receiving my credit card statement on XX/XX/2019, I phoned Citibank, spoked to their rep, XXXX, and informed her of the fraudulent purchases. During the Citibank investigation, the investigator ( XXXX ) said that the two purchases made on XX/XX/2019, were made on my home landline phone and that I would have to provide an official transcript from my phone carrier showing all calls made on that date. When I submitted the requested phone records to Citi on XX/XX/2019 showing no calls were made to that business, I thought the dispute would be decided in my favor. But, without merit, Citibank has notified all three credit reporting agencies that I owe the full amount of {$6000.00}.
Consumer complaint received 2020-01-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

My husband and I have been a Bank of America customer for 14 years. We have always made our credit card payments with them on time. In XXXX of XXXX they increased our balance from XXXX to XXXX. We have our credit card payment down to {$600.00} owed. We received a zero percent credit card transfer offer on this card this month good until XXXX XXXX with no interest until XX/XX/XXXX. We called to update our income and without our permission they ran a soft credit report. XXXX XXXX who is in their credit and underwriting department said due to our low payments they are lowering our credit line from {$8000.00} to {$800.00}. Im confused bc we have made way more then low payments. What about the false advertising that we had until XX/XX/XXXX to make this transfer. Not only did they falsely advertise they are now hurting our credit by decreasing our limit for no reason.
Consumer complaint received 2020-01-13
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. (NV)

Dear Sir or Maam, I recently conducted a review of my credit report, and I noticed that TransUnion showed two ( 2 ) credit inquiries that I find to be problematic. 
The first inquiry in question was apparently made by XXXX XXXX on XX/XX/2019 and Second inquiry was made by XXXX on XX/XX/2019. 
I contacted TransUnion Three ( 3 ) times and asked them to take action to get these two ( 2 ) inquiries removed from TransUnion credit report however after send letters and speak with TransUnion customer representative these two ( 2 ) inaccurate inquiries are still in my TransUnion credit report.
Consumer complaint received 2019-12-10
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (PA)

To whom it may concern, On XX/XX/2019 my wife wrote out check # XXXX to XXXX XXXX to the amount of {$850.00} to pay our mortgage. On the morning of XX/XX/2019 the check in a XXXX XXXX  envelope was put into our mailbox. At XXXX security footage shows the mailman ( not our normal Mailman ) picking up the mail. 
On XX/XX/XXXX we received a notice from XXXX XXXX  that we did not pay our mortgage that month. We had to go to the XXXX XXXX  and pay right away to avoid a late fee. At this point we just thought the check # XXXX was lost in the mail and would eventually show up at XXXX XXXX. 
On XX/XX/2019 we received an overdraft notice from our checking account bank XXXX XXXX. At this point we though the checking bank made a mistake for we had more than enough money to cover any checks that were written. When going into our account we found that someone had taken Check # XXXX that was sent to XXXX XXXX  was fraudulently altered and changed to someone calling himself XXXX XXXX for {$1900.00} which he or she deposited into a bank account # XXXX USAA FSB ( routing number XXXX ) by some kind of mobile device. At this point we had to put more money into our checking to avoid overdraft payments. 
We contacted the XXXX XXXX XXXX  and State police who are investigating this case. 
At this time we are notifying you so that you can investigate your end of this fraud forgery. 
Please investigate and send all findings to Tpr XXXX badge no. XXXX, at XXXX, Incident no. XXXX or you can send directly to me and I will forward to him.
Consumer complaint received 2019-12-17
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: TD BANK US HOLDING COMPANY (TN)

I financed a used car in XX/XX/2019 through TD Auto. It came with an extended warranty. I sold the car and paid off the loan in XX/XX/2019 but the extended warranty payment was sent to TD Auto after the loan was paid off because the warranty cost was built into the loan. The check was sent to TD Auto XX/XX/2019 and cashed XX/XX/2019. I called TD Auto in XXXX and was told they would process the payment as soon as it was received and send me the balance ( {$6900.00} ). I called again in XXXX after they cashed the check and was told it would come in 2-3 weeks. I called again in XXXX and spoke to XXXX XXXX ( XXXX XXXX ) who said it would come in 3-5 business days but that I can not escalate beyond her to her boss XXXX XXXX. I called again XX/XX/2019 and was told the check has not been processed and would arrive sometime in late XXXX and XXXX XXXX again refused to give me assurance or speak to me. Supervisor XXXX XXXX attempted to get XXXX to hear my issues but he refused and no one on the 4th floor would make themselves available.
Consumer complaint received 2018-12-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I don't understand why these accounts are showing up with inaccurate information, this needs adjusting because it was not paid late, payments were made on time on My two XXXX XXXX XXXX accounts, and XXXX XXXX XXXX,
Consumer complaint received 2018-12-21
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (CA)

Today XX/XX/2018 this XXXX I was on XXXX to look to purchase tickets for XXXX XXXX XXXX  as my XXXX present for myself. I found tickets online for {$180.00} for 2 tickets. I texted the number that was available and the person texted back. He said he had the tickets and that to email him my email so he can send my tickets through XXXX. He asked gave me his name, phone number and email and I sent money through XXXX. He even texted that his wife works for the company and that he could not go because he going to a XXXX for his XXXX child.He texted me a receipt of the purchase and the code. After a few minutes I still did not receive the tickets through XXXXXXXX or an email. He did not respond after that. I asked him to cancel and to send my money back since I did not get the tickets. I even tried to call him a few times, no answer.I contact Chase after and hour or so and they said it was too late and they could not reverse the transaction. I contacted XXXX too they said they could not help me.
Consumer complaint received 2019-12-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
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 (TN)

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Consumer complaint received 2019-12-10
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: JPMORGAN CHASE & CO. (PA)

This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whetherit 's a charge off? The balance is in fact wrong, please make sure to reverseit to XXXX  or remove the item fully. Please also producedocumentation toverify all the charges and credits in this supposed account that caused to theextremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with myrights honored within the fair credit billing act. If you fail to give these detailsper my civil rights petition, please make sure you quickly remove this specificwrong posting.
Consumer complaint received 2019-12-10
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: BANCO POPULAR DE PUERTO RICO (PA)

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Consumer complaint received 2020-01-12
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: AES/PHEAA (CA)

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks
Consumer complaint received 2020-01-16
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. (IL)

XXXX is an account that has reported to my TransUnion credit report on XX/XX/2018. I have absolutely no previous business with this company. I dont know who this company is. This is Fraud! I need this to be deleted and removed from my credit report immediately please.
Consumer complaint received 2020-01-12
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. (MA)

I have disputed multiple late payment remarks on this XXXX XXXX account. Account number XXXX. I have sent proof to the bureaus that the late payments are reporting inaccurately and need to be removed and updated
Consumer complaint received 2019-12-10
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: HSBC NORTH AMERICA HOLDINGS INC. (CA)

Open an account on XX/XX/XXXX after seeing advertisement of {$350.00} bonus when opening an checking account an depositing {$10000.00} within 30 days and keeping it in a linked account for 3 months. By XX/XX/XXXX, I have deposited {$10000.00} into the account. I transferred {$10000.00} into my linked savings as allowed by the terms of the offer. It has been nearly half a year and I have not received the promised {$350.00} offer. I have made 3 attempts to resolve this with HSBC, calling in mid XXXX, late XXXX, and XX/XX/XXXX. On the first call, the representative said their system for checking past offers was down and asked me to call back another day. I then called on the week of the XXXX and was told by the representative that they filled a case and I would be contacted by mail within 7 business days. He was unable to provide me with any confirmation number that the case was filed. After calling on XXXX, I discovered representative # 2 did not actually file a case and they would do so today. He then said I would have to wait 5 business days for a response. After trying to resolve this with HSBC for nearly a month and discovering I would have to wait another week, I decided I needed to find another way to resolve this situation ; thus I am filing a complaint with the Consumer Finance Protection Bureau.
Consumer complaint received 2019-12-17
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: Experian Information Solutions Inc. (TX)

XXXX  ; Experian and XXXX  are reporting incorrectly that I am ( 30 ) days late on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on an account that has a {$0.00} balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 2 ) bureaus to remove this however, I have not been successful.
Consumer complaint received 2019-12-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (CA)

I asked for XXXX And XXXX  to do an independent investigation and they didn't. Because of this, I have re-sent my previous dispute letter with the one that was mailed out mid of the year and I need for this to remove or delete per my original request. These do not comply with FCRA regulations. 
I need to see the paperwork that shows how these were investigated. I also need to see where this information originated from because I've provided direct facts from the credit report. These facts can not be refuted! How can they state that they are accurate when I've clearly pointed out exactly why they can not report? 

XXXX I need to see the proof that I was ever late or this needs to be updated XXXX this is still reporting with an inaccurate court name and this is now in violation of section 1681, 609 and 603.
Consumer complaint received 2019-12-10
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. (IL)

The three credit reporting agencies which are Transunion, XXXX, & XXXX  have information on my credit that Due to the law & regulations of the FCRA & Debt Collection Practices Act by this financial institution not being able to provide the necessary documents to verify this debt by the law I demand that this account be removed from my credit report from all three credit bureaus ( XXXX, Transunion, & XXXX  ). I have been asking the credit bureaus for an actual contract/agreement with my signature according to the Debt Collection Practices Act, section 1692g. 1. The original application or contract. 2.Any all statements allegedly related to this debt. Any & all signed receipts. If they fail to present all the documents I demand that this immediately be removed from my credit report from all 3 credit bureaus. This law is also listed under the FCRA SECTION 609 ( a ) 1 ( A ) you are required by federal law to verify with the physical original signed contract.
Consumer complaint received 2019-12-10
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 (CA)

I Opened an Amazon Credit Card account and received the card. Problem is Amazon tacked on an unauthorized {$14.00} Prime Membership fee which I did not request. I called them and requested this be removed and they promised to do so. They asked that I call back in once again but honestly, since I already spent almost 2 hours on the phone with them, I see no reason to call team again. I need a refund as soon as possible and for them to reduce my balance accordingly. I never received the Prime Membership either so they are stealing. Thank You, XXXX XXXX
Consumer complaint received 2019-12-10
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Collins Asset Group, LLC (FL)

I got XXXX. on this matter in XX/XX/2019. To settle the debt. We settled for half what was owed. I was to get a letter from them about the agreement. I never get one have payed them as agreed. This has been going on since XX/XX/2019. Last month no one answered the phone. Payed online and it said approved but they say it doesn't work. They will not give what I owe. What to pay off. One Lady told me XX/XX/2019 that I owed XXXX but the bill was XXXX and settled for XXXX. I don't think it, s right to be paying on something with out proof. I know it will go into the credit bureau as payed less. I need help with them giving my proof. My ref. # XXXX with them