davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-21
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Reach Financial LLC (VA)

I had a consolidated loan with XXXX XXXX XXXX and at the end of the process, the remaining amount owed was transferred to Liberty Lending , LLC at 27 % interest. The payments towards the loan with Liberty Lending began in XX/XX/XXXX. I was in the XXXX XXXX until XX/XX/XXXX and started a civilian job immediately following terminal leave. I was laid off in XXXX of XXXX and requested a forbearance. A 60-day forbearance was granted in XX/XX/XXXX and my first payment was due in XX/XX/XXXX when the forbearance ended. In XX/XX/XXXX, Liberty Lending told me that I was late on my payments and began to charge additional interest and late fees. Payments can only be made via the website. I have paying what I can every month. Today I went to the website and can not make a payment, see my balance, or any other account information. I have called the number on the website several times to no avail. 
Thank you
Consumer complaint received 2020-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: JPMORGAN CHASE & CO. (NH)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. 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. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2020-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TOYOTA MOTOR CREDIT CORPORATION (NH)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. 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. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2020-08-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: DISCOVER BANK (CA)

XX/XX/XXXX I requested a rolling balance transfer through the Discover Messenging portal. I was  consistently refused, even though I had available credit of {$1300.00}, paid on time historically. I was referred to XX/XX/XXXX Pricing Schedule. Under 'Fees ', 'Transaction Fees ', Balance Transfer ', it states, Offer # 1, Intro Fee of 3 % of the amount of each transfer ... above. " AFTER THAT, 5 % of the amount of each transfer. ' -- This leads one to believe that 'rolling ' balance transfers are available from the XX/XX/XXXX promo offer of 14 months. Also, at the bottom is a 'cross cross ' symbol that says, 'See the terms of the applicable balance transfer offer for details. ' Well, the 'terms ' are not given, spelled out, or obvious any where in the 'Cardmember Agreement ', other than, pg 2 " How we include fees ... We add Balance Transfer Fees to the applicable Balance Transfer Transaction Category. ' and Pg. 3,  'Definitions ' '' Balance Transfer '' means a balance transferred from another creditor to your Account.= NO Where in Any Disclosures provided that 'Balance Transfers ' at 0 % are not available if Credit is Available or not rolling from the Promo of XX/XX/XXXX for 14 months. I've called several times in the last year and the 0 % for purch and balance transfers were active as rolling, expiring XXXX for purchases & XXXX for BalTransfers. Never presented as 1x 0 % offers, only 14 mo rolling offers that would expire as directlyprevious. 
ConsumerCreditViolations=Bait & Switch , Not Allowed to 0 % Bal Transfer until XX/XX/XXXX even though I have {$1300.00}. avail credit with missleading bal transfer credit & markting promo information. No where in any credit card info is the 0 % defined as not rolling for 14mo or missleading & a 'timed offer ', just to deny me even though I have avail credit on the card. Damages= Unable to bal transfer at 0 % from XX/XX/XXXX to the expiring XX/XX/XXXX discriminatory credit practices= I've paid more than Min Bal each month, on time & with avail credit.
Consumer complaint received 2020-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NC)

I check my credit report and notice some things that does not belong to me. These accounts are stopping me from getting an approval for Credit cards. 

The account listed below is not mine. I sent in multiple letters and haven't received any response about my complaints. I don't understand what is really happening? Please help me! Thank you so much. 


XXXX XXXX -XXXX XXXX  XXXXXXXX XXXX XXXXXXXX -NCB XXXX XXXX XXXX I I XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXT XXXX
Consumer complaint received 2020-08-22
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/20 XXXX XXXX Bank returned my wire payment of {$25000.00} to my account at Bank of America. However it never appeared back in my account and now I have a claim open with Bank of America, claim # XXXX for almost 30 days at this point, keep calling them almost every day, multiple times a day and they do nothing, just lie to me. They keep promising that the analyst will call me in 24-48 hours which never happened. Nobody called me from Bank of America. On the XX/XX/20 my claim was finally escalated to the Bank of America supervisor XXXX XXXX XXXX, employee # XXXX and after providing him information from XXXX XXXX he finally confirmed that he now can see my returned wire payment of {$25000.00} at Bank of America and that it will be deposited to my account in 24-max 48 hours. Today is already XX/XX/20 and 48 hours have passed and my funds are still not back in my account. I called Bank of America today again and now they claim they don't see the funds. This is a joke. I'm very upset at this point, to see how a bank I've been a client of for about 30 years ( I have a business account there as well ) is lying to me and doesn't care about me. 
We also went in person to XXXX XXXX and the representative helped us to trace the returned wire and confirmed it was returned on XX/XX/20 to Bank of America to my account. The XXXX XXXX XXXX # XXXX, XXXX XXXX phone : XXXX, XXXX number for the returned wire transfer XXXX. Please see also the proof of the returned wire transfer from XXXX XXXX from XX/XX/20. 
I request my {$25000.00} to be released and credited to my account immediately!
Consumer complaint received 2020-08-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc. (IN)

I have disputed this account with the company and bureaus on : XX/XX/2020 and XX/XX/2020. I have asked removed this from my credit bureaus due to this is an result from identity theft. They have removed the account from XXXX.
Consumer complaint received 2020-08-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (FL)

i had some lost my wallet with everything in it i had called the bank to report identity theft the bank still want it me to pay for the fraudulent transactions.
Consumer complaint received 2020-06-11
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. (AR)

I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name.
Consumer complaint received 2020-08-21
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Didn't receive terms that were advertised
Company: FIRST CITIZENS BANCSHARES, INC. (AZ)

1. Opened a premium checking bundle as advertised on the main landing page of first citizens bank to get the {$500.00} sign up bonus after fulfilling the following conditions Earn {$500.00} when you open a new Premier checking bundle and complete the following requirements : Maintain a combined Checking and Savings average deposit balance of {$15000.00} or more for 90 days Establish a direct deposit of at least {$4000.00} per month or make 10 debit card transactions within 90 days of account opening Open a new savings account 2. Both the above conditions have been met and multiple emails and phone calls to the bank from last 2 months have got no positive response on the bonus
Consumer complaint received 2020-08-21
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY (FL)

TD BANK HAS A PHONE HOLD TIME EXCEEDING 90 MINUTES TO HELP A CUSTOMER. THIS IS OUTRAGEOUS AND DOWNRIGHT RIDICULOUS. IF THIS WERE AN AMERICAN COMPANY THIS WOULD NOT BE HAPPENING. TD BANK CONTINUALLY APPLIES CHECKS SENT ON XXXX BY MY BILL PAY THROUGH XXXX  XXXX XXXX LATE AND THEN CHARGES ME A LATE FEE. I AM SICK OF IT. TD BANK SITS ON CHECKS, DOES NOT HAVE XXXX LIKE EVERY AMERICAN BANK DOES. THIS IS A DELIBERATE ATTEMPT TO MILK LATE FEES OUT OF US CUSTOMERS AND IS NOTHING MORE THAN INCOMPETENCE AT THE EXECUTIVE LEVEL WHO IS ULTIMATELY LIABLE FOR ALL OF THE BAD BEHAVIORS ON THE PART OF TD BANK.
Consumer complaint received 2021-01-13
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: Open Dealer Exchange, LLC (FL)

To whom it may concern : XXXX XXXX XXXX I'm sending 4 attachment files with complaint letters, names & evidences of documents, that will further expound my complaint toward XXXX XXXX  XXXX XXXX, XXXX XXXX ( Financial Director ), XXXX ( Sales Manager ) and 700 Credit, XXXX XXXX ( Compliance Manager ). 
File 1 - Complaint letters of unauthorize inquiries, witness letter, XXXX XXXX XXXX ... 
File 2 - Evidences of proof reaching out - excessive unauthorize inquiries XX/XX/XXXX File 3 - Evidences of proof Credit Bureau Reports from XX/XX/XXXX - XXXX, XXXX File 4 - Evidences of proof Credit Bureau Reports from XX/XX/XXXX - XXXX, XXXX File 1 Contain 8 - documents : 1 Introduction letter of " Step 1 - 5 '' 4 personal letters of unauthorize inquiries XXXX letter my wife XXXX XXXX XXXX 1 letter from XXXX  credit inquiry and 1 letter from XXXX  XXXX rescinding inquiry ( that dated XX/XX/XXXX instead of XX/XX/XXXX File 2 Contain 5 - documents : Reaching out to 700 Credit ( Compliance ) on XXXX, XXXX ( email ), XXXX XXXX XXXX XXXX XXXX XXXX , Customer Care Team & XXXX XXXX ( Financial Director ) on XXXX, XXXX & recent on XXXX XXXX, XXXX ( email ) File 3 Contain 4 - documents : 1 return letter to Consumer Dispute Request 3 Credit Bureau Reports from XX/XX/XXXX XXXX, XXXX * ( see File 1 - personal letters pages 1,2 and XXXX XXXX letter ) * File 4 Contain 8 - documents : Reaching out in person on XXXX XXXX, XXXX 3 credit reports from XXXX  and XXXX  XXXX XXXX ( see File 1 - personal letters pages 3,4, XXXX 's letter and XXXX  letter ) ** 4 700 Credit, XXXX XXXX ** ( see File 1 ... ) ** 1 XXXX  XXXX XXXX special note ) : reported excessive inquiries Step 1 - Unauthorize usage of my credit XX/XX/XXXX - XXXX, XXXX ; XXXX XXXX - XXXX, XXXX Step 2 - Refuse to correct/remove illegal activities Step 3 - See attachments File 1, 2, 3, 4 Step 4 - XXXX - XXXX of XXXX XXXX XXXX 700 Credit Step 5 - XXXX XXXX ( Financial Director ) and XXXX ( Sales Manager ) of XXXX - XXXX of XXXX XXXX XXXX XXXX XXXX ( Compliance Manager ) and XXXX XXXX ( Compliance Coordinator ) of 700 Credit
Consumer complaint received 2021-02-11
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. (SC)

there is various lines not being reported correctly, there are various lines reporting the wrong information. All agencies should be reporting the same information : Account # : XXXX XXXX XXXX Account Type : Revolving Revolving Revolving Account Type - Detail : Secured credit card Credit line secured Secured credit card XXXX XXXX : Individual Individual Individual Account Status : Open Open Open Monthly Payment : {$25.00} {$25.00} {$25.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$290.00} {$290.00} {$290.00} No. of Months ( terms ) : 0 0 0 High Credit : {$460.00} {$460.00} {$0.00} Credit Limit : {$300.00} {$300.00} {$300.00} Past Due : {$0.00} {$0.00} {$0.00} Payment Status : Current Current Current Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : - - Secured credit card Amount in H/C column is credit limit Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX ACCT HISTORY is not reporting correctly
Consumer complaint received 2021-01-13
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: JPMORGAN CHASE & CO. (NY)

On XX/XX/2020, I XXXX transferred XXXX dollars to my husbands XXXX  account from my Chase account in which he never received. I have transferred this amount of money to him every month for the past two years and never had an issue until now. 
We called XXXX bank and they told us the money never reached their banking system. 
When I called Chase to find the money- they opened a claim for me and told me that the money had been transferred and sent to a random chase account ( XXXX ) that was not my husband- but somehow was occupying my husbands email. When I asked if I could verify that this other person didn't have access to this email ( XXXX XXXX I was denied this. 
Regardless, The claim went through and the money was put back into my account. But not a short while later chase reversed the claim and withdrew the money again, stating that the money was sent to the correct account in the first place- when they clearly saw that it was not and they previously confirmed that they could see from previous transactions that it was not the correct account. 
At this point they closed my claim and refused to help any further. They told me it was a matter I was to take up with XXXX. However upon calling XXXX to discuss this issue : the system automates a response about how if your issue is with an online money transfer through your banking app, you must take the matter up with your Bank- and hangs up. At this point this is my last saving grace. I am not being helped on any front and XXXX dollars was stolen from my Chase account through XXXX. I do not know what else to do, so I am filing this formal complaint. 
I have provided attachments of bank statements and transactions from my Chase account to my husbands XXXX  account up until XX/XX/XXXX XXXX when the XXXX dollars I had sent was transferred to account random account # XXXX. 
I have also attached the claim notices I received from Chase banking. They are in XXXX form, if need be, I can resend through another medium.
Consumer complaint received 2021-01-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (FL)

THE ACCOUNTS THAT ARE LISTED ARE FRAUDULENT SOMEONE STOLE MY PHOTO ID AND SOCIAL SECURITY NUMBER TO OPEN FRAUDULENT ACCOUNTS IN MY NAME I HAVE MADE A CRIMINAL COMPLAINT WITH LOCAL AND FEDERAL AGENCIES I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX  CRA. On XX/XX/2020, I mailed Equifax, XXXX  and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2021-01-13
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: CAPITAL ONE FINANCIAL CORPORATION (PA)

I was on a 6 month settlement agreement with Capital One Car Financing, to pay {$610.00} a month for 6 months and my title would be given to me. It was set up on auto pay from my bank account. XXXX was the last month for them to take the last payment from my account. They evidently didn't take the last payment because they said that the payment was rejected because there was no funds in there. I didn't know they didn't take the payment until I received a call from them in XXXX stating I defaulted on my settlement agreement and I owe them {$3500.00} more dollars. At that time I explained to them that they made a mistake in assuming I didn't have the money in my account, so I faxed them my bank statement showing I had upwards of {$2000.00} in my account the month of XX/XX/2020. I also received my Title for the vehicle by the end of XXXX. And since XXXX they continously keep having people call me from their office stating that I can settle my balance of {$3500.00} with them, when I already settled my settlement agreement with them. If they never took the very last payment from my account, that's not my fault. It was setup as an auto-pay so I don't control that. It was they're mistake if they didn't take it out. But I keep being harassed and bombarded with phone calls weekly from their office.
Consumer complaint received 2021-01-13
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. (TX)

NAME : XXXX XXXX address : XXXX XXXX XXXX XXXX, tx XXXX FOR THE LAST 3-4 MONTHS equifax has been reporting an account that is not mines. I have asked for proof of the inaccurate account that they are reporting and they failed to provide me this information. I have never went to online school. This account XXXX XXXX Account Number : XXXX is inacurrate and Equifax failed to remove this fraud information from my report. I have called this XXXX college and they have no record of me, why is this on my report. Equifax failed to obey by the FRCA law. THIS ACCOUNT IS NOT MINES WHY IS IT ON MY REPORT. Equifax needs to remove this account from my credit report within a timely matter. Its been3-4 months and that have yet to send me proof because this is not my account
Consumer complaint received 2021-01-13
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Conduent Incorporated (OK)

Again yet another lie and theft from this company and yet they are allowed to do what they want. There was no credit posted to the account on XX/XX/2020 for them to take away, so they just took money that wasn't there.

" Today the provisional credit in the amount of {$1400.00} which was issued on XX/XX/2020 was reversed from your card. '' THERE WAS NO PROVISIONAL CREDIT ISSUED TO MY CARD ON XX/XX/2020!!! I uploaded the statement and the letter from them and took their advice finally, I contacted the police and filed a theft complaint, against them.
Consumer complaint received 2020-06-12
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. (AR)

My identity has been compromised. I found out because XXXX XXXX sent me an email that I needed to take action. I immediately pulled my credit report and saw a couple of items that were opened under my social number. I know for sure these items are not mine. Please remove them from my report.
Consumer complaint received 2021-01-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I have a late payment on my TransUnion credit report from a company called XXXX I has tested positive for XXXX  and called ahead a time to let them know I would be late XXXX agreed to remove late payment I also have a email from XXXX saying yes they sent in the fix letter but TransUnion even with the proof well not fix my credit report and take off the late payment