davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-10-19
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: CORELOGIC INC (AR)

I have multiple credit inquiries on my credit report that I did not authorize and it looks as if the same company ran my credit and then would wait a few months and run it again, But since XXXX of XXXX I have had XXXX new inquiries that I did not authorize and I got an email about the XXXX breach and I followed the link to see if my info had been XXXX of the ones affected and it was. I have since put a fraud alert on my credit but when contacting the collection agencies which I have several times they are no help and they just tell me that I have to wait 2 years for them to fall off. I have XXXX from XXXX XXXX being XXXX XXXX XXXX for XXXX XXXX. XXXX from XXXX XXXX XXXX and XXXX for XXXX XXXX, and XXXX from XXXX.
Consumer complaint received 2020-11-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (TX)

Wells Fargo talk me into getting a credit card utilizing my own money they told me if I put up {$600.00} of my own money keep it in there 4 a year only get gas with the card at the end of the year they would give me my {$600.00} back and I will obtain the credit that's what I did at the end of the year they gave me my {$600.00} back couple of months later I received a statement in the mail saying I owe them {$600.00} I'm like what is going on that's not what you told me so now they have put that on my credit report I talked with him on numerous occasions they was sorry for the mistake that should have not happened to me they were going to take it off but unfortunately it's still on there and that's on my credit report and I want it taken off how can I owe them {$600.00} when it was my own money and they turn around and gave my money back to me at the end of the year like they said they told me they were going to close it out and they were going to fix it but it's still showing up on my credit report XXXX showing up that I owe them so they never did take her the problem like they said they were going to do and it's been over 3 4 years ago
Consumer complaint received 2017-12-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Motolease, LLC (AZ)

Motolease falsely reports accounts as derogatory/in collections for parties that never made a late payment and paid account off in full.

I had leased a motorcycle with Motolease. A year later my motorcycle was totaled by a falling tree. I immediately contacted the agency and made them aware of the situation. I maintained communication with the agency regularly as the insurance companies were working on paying off the remaining balance. A month and a half afterwards, I had received a call being told I was delinquent in my payments. I never made a late payment, the money was extracted directly from my account and the funds were always available. I explained my situation of a totaled motorcycle and how I was waiting on the insurance companies to pay off the balance. Despite how many times I repeatedly explained my situation, I was repeatedly asked why I should be treated any differently than others that can't make their payments. The conversation eventually became so frustrating I had to hang up and call back someone else. Eventually, I did manage to get someone to put my account on hold until the insurance companies could finish processing the claim. I didn't understand how there was any confusion with the account. I had provided Motolease with documentation and questions from the insurance companies from within the first week of the accident. After the insurance companies payed off the balance in full, I noticed that Motolease had reported my account to the credit bureaus as derogatory/in collections, with late payments. I contacted Motolease and had to get a higher level supervisor because I was having problems with other employees that were insisting my account was reported accurately. After speaking with the supervisor, I was told it would be corrected and reported as paid off with no late payments. A month and a half later, it reflected on my credit report as I was told, my account was now in a good status. The following month, just last week, Motolease reported my status back to derogatory/in collections. My experience with MotoleasXXXX has been horrendous, especially if I was to provide more detail. I seriously need someone to get this agency to correct things and quit harassing me.
Consumer complaint received 2017-10-19
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: U.S. BANCORP (CA)

Hi, this is Regarding a US Bank summer promotion that gives a {$200.00} bonus after doing 2 bill pays of more than {$25.00}. I have yet to receive the bonus after multiple contacts with US bank, here 's a timeline. ( The bonus is maximum 60 days to be dispersed out ) 1. Opened account on XXXX/XXXX/XXXX, shortly after met the requirements of 2 bill pays. 

2. Emailed US Bank on XXXX/XXXX/XXXX regarding when I would be receiving my bonus. Was told thanks, I met the requirements, and that I would receive it no later than XXXX/XXXX/XXXX. 

3. XXXX/XXXX/XXXX still no bonus, emailed US bank they said I have to wait 7-10 more days and are going to " investigate. '' Unfair and unacceptable.
Consumer complaint received 2017-10-22
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. (WI)

My XXXX card was fraudulently charged on XXXX XXXX. I contacted the card issuer when I received my billing statement in XXXX XXXX. The card issuer called the fraud merchants while I was on the line. The charges were determined fraud, the charges were reversed and a new card was issued. I thought the matter had been resolved. 

In XXXX XXXX the card issuer re-applied the charges to my account. I have made multiple phone calls to protest but my protest has been denied. 

The amounts are XXXX booking fee and a XXXX  hotel charge.
Consumer complaint received 2017-10-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ERC (TX)

I opened up an account with XXXX XXXX cell service for service for my son and myself. I had the account for approximately 2 months when I got a phone call from the company stating that they had lost their roaming partners in the area I was working in. The company restricted my phone service in that area and told me that they needed to cancel my contract and that I needed to turn my phones back in. I followed these instructions, turning phones in to the store in XXXX, XXXX. Now the company is saying that I owe them XXXX for services and equipment which is false, they made harassing phone calls and false accusations and then placed this false record on my credit report. I am not sure how to fix this problem but it is an unfair practice since they cancelled my account I should not be held liable for any contractual fees. 
Thank you, XXXX XXXX XXXX
Consumer complaint received 2017-10-22
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: EQUIFAX, INC. (NJ)

On XXXX/XXXX/XXXX when checking my credit report, I noticed an old derogatory account from XXXX ( XXXX XXXX XXXX XXXX XXXX ) that was reporting on my credit file. This particular account was opened and first appeared in XXXX, which means it should have been removed by law after a period of 7 years, or XXXX. Noticing this, I immediately alerted Equifax of this issue by filing a dispute ( Confirmation # : XXXX ), where I explained this in-depth. Equifax does not give an option on their online platform to specifically state that the debt being reported is older than the legal requirement put in place by federal law, so I instead chose the option " I am no longer responsible for this debt '' and then explained in detail that the debt was older than 7 years old, and at this point in time fully paid off, so it needs to be removed. Equifax negligently ignored what I wrote, and instead sent back a response after 30 days that stated that they contacted XXXX and confirmed that the debt belonged to me. As I mentioned in my initial response to equifax, that is not what I am disputing, what I am disputing is the fact that equifax is still reporting this debt, despite the fact that it has been over 7 years and is fully paid off. I at this point am demanding that Equifax remove this debt immediately, or I will be forced to go to court to get it removed.
Consumer complaint received 2020-12-25
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: STATE EMPLOYEES CREDIT UNION (NC)

On XX/XX/2020, XXXX {$65.00} from my checking account. This transaction was neither initiated nor authorized by me and I did not purchase anything from their website. In fact, the company does not have my current debit card number. Therefore, I do not understand how it obtained access to my bank account. I have contacted the company 's customer service and made it clear that I have no account with the company and that the debit from my account was the result of fraud.
Consumer complaint received 2021-01-21
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. (TX)

THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE USED MY PHOTO ID AND SOCIAL SECURITY NUMBER AND OPEN FRAUDULENT ACCOUNTS IN MY NAME I AM VICTIM OF IDENTUTY THEFT I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX CRAS. On XX/XX/2020, I mailed XXXX, TransUnion 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 2020-12-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (MA)

Dear Cfpb XXXX Credit Bureaus ; XXXX XXXX! I have actually been trying to reach out to the CRA 's for the last 6-8 months to attempt to remove/delete unknown, not-required previous or old addresses from my credit report, but for some reason, I'm unable to get any results or responses from them ;, XXXX, Equifax, and XXXX. I've mentioned and listed the addresses that I need to be removed from my credit report. Honestly, the only address that should be listed in my current address. Anything else needs to be removed ; for example, i need the following removed : XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX ; & XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX ; & XXXX XXXX XXXX XXXX, MA XXXX ; & XXXX XXXX XXXX XXXX, CT XXXX.
Consumer complaint received 2017-10-19
Product: Vehicle loan or lease — Lease
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: CFS ACCEPTANCE (CA)

Hello I decided to get A car from a dealer in year XXXX and had to pay a company called Cfs acceptance The payments were made monthly in the amount of XXXX $ sometimes XXXX $ monthly since XXXX/XXXX/XXXX I never bothered even thinking that once I paid off my car I was not going to have car title. I paid for it so I deserve my car title I attempted to call text email, going to their place and they were never there I waited and waited it 's time consuming, stress, ca n't sleep I want to know what can I do so I can get my car title one of the front desk ladies from cfs acceptance company told me now you will be making payment to a new company called XXXX XXXX XXXX so I asked why and how schould I make the payments same way you are now she says so I did I never had a problem with them so I made my payments through the XXXX XXXXXXXX XXXX I call cfs acceptance she gives me XXXX XXXX phone number so I can know my balance because I realize I think I over paid my car I schould be done. By now since I made calculations on my calendar So I call and XXXX XXXX XXXX says we have n't received payments since XXXX XXXX I 'm like wait a minute their must be a mistake so I have receipts of all payments made to cfs acceptance and where is the money that was deposited in XXXX XXXX card since XXXX who kept funds? Since they were never transferred to the new company since they were taking over I do n't understand I told XXXX XXXX my situation and they ca n't do much for me even if I sent them my receipt proof of payment they never received any payment since XXXX so according to them I wo n't be credited for amount paid please reach out to me and let me know what schould I do what will be next step
Consumer complaint received 2022-11-26
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (NJ)

To whom it may concern, To keep this as succinct as possible, I will begin by listing the important date. 
After several face to face interactions, phone calls and emails regarding the sole proprietorship account under the legal name that I use, XXXX XXXX XXXX. What concluded was a final position statement made via email on XXXX XXXX, which can only be described as color of law. That email reads as follows : We are unable to complete your request to be removed as a sole owner or to list as Power of Attorney with no listing owner on the account. 

As the holder in due course of the legal name, I have the power to appoint anyone as power of attorney, including myself, XXXX XXXX XXXX the living man, to speak and act on behalf of the said legal name I use. I, as holder, am also able to sign as the authorized signatory for said legal name. Nobody at Wells Fargo has been given permission by me to title anybody on the sole proprietorship under the legal name I am authorized and entitled to use. 

Thanks in advance for your time, XXXX XXXX XXXX XXXX XXXX XXXX.

without prejudice
Consumer complaint received 2017-10-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

I had requested a stop payment in XXXX 2017, then they failed to stop the payment they gave a credit and now they took the money without my consent and they took out XXXX too offset the other negative account that I was unaware they refuse to credit the account and they left me with no money for 2 weeks they cause my mortgae to be NSF and they also charged me nsf fees and late charges
Consumer complaint received 2017-10-19
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: American Accounts & Advisers, Inc. (MN)

I have been receiving telephone calls on my mobile phone from American Accounts & Advisers ( AAA ) out of XXXX XXXX Minnesota. Today someone who identified themselves as " XXXX XXXXXXXX '' called my mobile asking for someone else. He proceeded to tell me about how they did not have a good number for this person and " thought they would call me ''. I asked why he would call my cell phone when I was not this person. He again said " we do not have a good number ''. I asked if I was listed on the account as a contact and he said " no ''. I asked him " then why are you calling my cellular phone '' and he said he had a personal business matter with the person ( and again gave their FULL name ). I asked if it was a collection and this was " skip tracing '' and he said " yes '' - illegally disclosing that this was a collection. He then ended the call without allowing me the chance to get a word in edgewise to tell him not to call my mobile number. I called back and he would not answer the telephone. I called the company and asked for the supervisor ( who turns out to be the owner XXXX XXXX XXXX but he also would not answer the telephone. 

I have been in contact with the person they are calling MY mobile number for and have been disclosing information about and let her know what happened and the violation of her rights that has taken place. Needless to say, she is irate and plans to take action herself as well.
Consumer complaint received 2022-11-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: BARCLAYS BANK DELAWARE (MO)

on Wednesday XX/XX/XXXX I was looking to book a cruise for 2023. XXXXXXXX XXXX advertising in the payment section showed that if you applied for a credit card you would be eligible for a XXXX credit. Nothing about waiting to receive this card or anything like that. I was given only 48 hours to hold my cruise deal I had. So I put in the the application after the application was completed, I was notified to receive my card expedited they were going to charge me a XXXX fee. So, my credit was pulled in anticipation of getting a XXXX credit on my cruise, and the only explanation I have received so far, was that they would look into it. The XXXX customer support person would not transfer me to a supervisor and said that most people just charge it to another card then get a refund from carnival. I told her that I did not have any other card, and only did this in order to get the credit and book the cruise with the offer they had for me. She told me there was nothing she could do. I feel like this was false advertising and now my credit has been pulled, and I will also lose out on cruise deal because of both company 's poor communication.
Consumer complaint received 2020-12-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MD)

It has been the last 2 years of me requesting Debt Validation ( FTCA section 609 ), filed theft affidavits that showed my XXXX XXXX credit cards was stolen and used at the time and I was not legally responsible. Portfolio Recovery Associates has passed the buck and said they would get back after investigation for 2 years. I have emailed XXXX XXXX and now about to seek legal action. This is my final attempt to resolve this inaccurate credit report. I have lost my job behind this and now have anxiety and stress related to this collection agency. I have never received by signed signature in any transactions as requested. I was sent a statement by XXXX  which clearly isnt what the law requires when validation of a debt. Especially when. Y card was stolen. At the same time was XXXX XXXX was compromised and they are doing the same thing with this passing the buck to some Attorneys that forced me to pay {$200.00} and never reported it or validated they would help from my stolen cards.
Consumer complaint received 2020-12-25
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: CITIBANK, N.A. (NY)

On XX/XX/XXXX, I mailed a letter to Sears requesting a validation of my account. As per USPS tracking, the letter was received on XX/XX/XXXX. On XX/XX/20, I pulled my credit reports and it showed that there was no negative dispute remarks on the reports. I checked my credit reports again on XX/XX/XXXX, 31 days from the day they received validation letter. There were no dispute remarks added by Sears to my credit reports. They violated the FCRA by not placing a dispute notification on my report within the required 30 day period. I sent a follow up letter on XX/XX/20, requesting to remove the charge off account from my credit reports within 30 days but it has not been removed.
Consumer complaint received 2017-10-19
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: HCFS Healthcare Financial Services of TeamHealth (WA)

THE NAME OF THIS COMPANY IS ARS, ACCOUNT RESOLUTION SERVICES  AND THEIR PHONE NUMBER IS XXXX. THATS ONLY ONE OF THEIR PHONE NUMBERS. THEY CALL AND ASK ME TO VERIFY MY NAME AND THEN THEY HANG UP. THEY ALSO ROBO DIAL ME AND AFTER I PICK UP, THEY HANG UP. THEY REPEATEDLY DO THIS OVER AND OVER AND OVER.
Consumer complaint received 2017-10-22
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Amscot Corporation (FL)

I 'm going through a tough time at the moment I 've lost my job and recently took out a loan with amscot I 've had to extend it 2 times and I can again! I have lost of credit debit and I ca n't afford to lose money at this moment
Consumer complaint received 2020-12-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Radius Global Solutions LLC (GA)

This is a follow up complaint to complaint number XXXX and XXXX. XXXX is claiming that the account has a balance but that not true! 
As already expected and also read in reviews and on XXXX pages, XXXX lied about the fact that those accounts werent paid of. In a letter to you and me on the above complaint numbers, XXXX stated that my account ending in XXXX was not settled and had a balance. As indicated in the above complaints, that account was settled almost a year ago. Not only do I have a letter of satisfactory from their collection agency Radius Global Solutions, here I have attached a copy of the checks sent to them and more important their confirmation that they got the money. So it would be interesting to see how XXXX is going to explain that. Please refer to the above mentioned complaints. Reading through the internet, people are saying after showing this XXXX will say they never got and they will check with their collection agency and will then comeback to apologize, so lets see.
Consumer complaint received 2022-11-25
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: JPMORGAN CHASE & CO. (CA)

Chase offers a promotion with XXXX that offers a {$10.00} credit per XXXX if a XXXX purchase is made. I received such a credit on XX/XX/2022, then after my XX/XX/XXXX statement closing date, I called Chase to ask whether these credits reset based on statement cycles or calendar XXXX.I was told they reset based on statement dates so that I was therefore again eligible for a credit. Based on that information I made another XXXX purchase on XX/XX/2022, but did not receive the credit. I inquired to Chase and was now told the credits are based on calendar XXXX and they would not honor the promise the previous rep had made nor make it right. When I called a XXXX time I was again told its based on statement dates, then when I escalated they went back to saying calendar XXXX and again that they would not make it right for me. Very frustrating and an extremely poor customer experience.