davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-01-11
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (MO)

XX/XX/2016 I closed XXXX of my Wells Fargo accounts. XXXX closed without issue and I had a pending charge on XXXX so I had to wait for it to clear before I could close it. The charge went through and I called back and closed the account. I assumed that was the end of it. Several months later I received a collections notice for {$210.00} from Wells Fargo for the account. I called Wells Fargo and they told me to file a claim and they would look into getting it reversed. 3 weeks later I received an email saying that I should consider the matter closed. I figured that was the end of it then I received yet another collection notice from Wells Fargo for {$210.00}. There was a charge from XXXX that was auto pay and I had forgotten about it. Once I got the collection notice I cancelled my membership to XXXX and I was told over and over by the people at Wells Fargo Customer Service that they would just reverse the fees and call it even. I assumed that was what they were going to do but they are coming after me to {$210.00} worth of fees for an account I was under the impression was closed XX/XX/2016. I am being told by WF Customer Service now that they ca n't do anything and that I will just have to pay it.
Consumer complaint received 2016-08-10
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Credit Plus Inc (GA)

I contacted the company listed in this dispute about an unauthorized inquiries reflected on my credit reports. I advised that the credit inquiry by their company is damaging my credit rating. I requested full documentation and supporting information regarding the circumstances resulting in the review and placement of either a hard/soft inquiry on either my XXXX, XXXX, and/or XXXX credit file showing pursuant to the permissible purpose provisions of the Fair Credit Reporting Act. Since I did not authorized the review of my credit file by this company, I kindly requested the inquiry be removed. The company has not replied nor provided supporting documentation to validate the inquiry or removed the inquiry. 
Therefore, I am seeking your assistance in this matter.
Consumer complaint received 2024-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

This XXXX XXXX Bank account was opened under another date of birth different from mine, the information provided by XXXX XXXXXXXX is completely different, they sent me a report where they told me that they could not confirm my identity and they are charging me from a card that was closed. My credit report is affecting me since a closed card appears in my credit but the company can not verify my information. 


I have tried to communicate with them but since the information they have does not match my information, they can not give me any help in this regard so I request that all the information can be verified and in this way it be removed from my credit report
Consumer complaint received 2023-11-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Kikoff Inc. (MD)

This is my second complaint because Kikoff dont have a way for me to contact them so I can verify my information so I can get my money back at least. Before I was trying to keep an account with them but all I literally want is my money back that they owe me which is {$220.00}. They have my email and phone number. There was a point when I did get one reply from a email about 3 months ago when I first started having problems but having gotten a reply since. I definitely feel like I should be compensated for having to wait so long to get my money back and Ive been trying everything possible to try and reach them. I feel like theres no effort on there end to get me my money back. Kikoff Im still reallly upset on how yall handled things and this really show yall dont care about people at all. I have been through some tough times where I really needed my money back and there was nothing I could do about it. Just please contact me and compensate me for not getting my money back in time.
Consumer complaint received 2017-09-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: BARCLAYS BANK DELAWARE (CA)

I had an Barclays Credit Card account that I used to withdraw cash. Once the statement came in I called in the customer service and asked them for the balance to pay it, I made a full payment and changed my address. After 4 months they reached me and told me that my account was past due. Upon finding out that the account was past due I made a full payment and paid it off completely. A few months later I applied for another card with Barclays and both the newly opened account and the old one were closed. I downplayed it and after a few years I applied again not knowing it is the same company-Barclays. I got denied credit and received a letter stating that I had unsatisfactory previous relationship with the. I called Barclays and explained what had happened in the past, she went over the notes and confirmed that I was right. She therefore corrected the negative reading off of my credit bureau report and reopened the account that they had closed back in 2014. A few days later after I received the old reinstated card I received another letter that they were closing my account again. I called in to get an explanation and they ignored me by saying that I had unsatisfactory relationship with them and that no further action or explanation would follow. I have the new reinstated credit card that they sent but my report still shows that I had late payments. No matter how many times I tried to call and explain they would find all types of excuses including wrong date of birth and wrong mother maiden name to not talk to me.
Consumer complaint received 2016-02-19
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (WA)

I was exercising my rights as a consumer by requesting appropriate documentation verifying XXXX accounts from Portfolio Recovery. After several attempts over the course of 30 days, they failed to do so. Portfolio Recovery recently has been involved in legal matters regarding allegations of violation of various laws including the Fair Debt Collection Practices Act.
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2016-06-25
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Convergent Resources, Inc. (SC)

Within the last week collection account appeared on my credit report. I have not or did not receive due process under the fair credit reporting act or fair debit collection act. i was not aware that this collection company had this account. Another company had it before them. It 's not fair that company buy debit from other companies then the new company immediately report to credit bureau.
Consumer complaint received 2015-10-02
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (FL)

O XXXX/XXXX/15 I submitted a grievance letter to my loan Servicer and Note holder and had a CFPB case number XXXX. They responded with a a letter regarding their services and being correct and to deal with my home builder on my grievances and did not address the specific questions regarding the transaction of my note. My grievance letter was very specific with mortgage broker fraud and appraisal fraud and predatory loan issues using bank statements for stated income and many other issues relating to the origination of the note and the transactions of the note to present. 
I sent a follow up letter in the portal to get my specific questions answered. They never responded to my second letter. I called the servicer and spoke with the point person assigned to my file. The point person stated, they closed the file and the compliance office will not speak direct to me and stated, this complaint file was closed and issue was addressed in their view. The point person said, maybe you should file another complaint, but this file is closed. I called CPFB, and asked if the file was closed. They stated they can only close the file, and to pursue this with a attorney and the FTC monitors the files and if they see something they will contact you. I can not afford an attorney at this time and now filling another complaint to get my grievances answered. As a consumer I am entitled to receive answers on my grievances made. It appears this is going to be a run around with my grievance, but I will keep trying to I get answers to my specific questions. I have followed the process as it was set up for, me, the consumer. Hopefully the other side with take time to address my grievances raised and provide their answers to my questions regarding my mortgage that I raised in my letter. I have also contacted my State Attorney Office with my grievances and my State Banking regulators with my grievances to see if they will address. I also sent to XXXX Federal agencies including this XXXX, my letter and the Servicer for the Note Holder letter response, to have a my grievances be addressed. I look forward the parties use this portal under the Federal government to have issues addressed for the consumer, such as I.
Consumer complaint received 2015-05-12
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO. (NY)

On XXXX XXXX, 2015 I opened a personal checking account with Chase bank located at XXXX XXXX in XXXX, NY. The account was opened with approximately {$1100.00} dollars. I was told that my card would be delivered by Mail. When I received my card I could activate it at any ATM or by calling the XXXX number on the back. I tried XXXX and neither would activate the card. Today ( XXXX XXXX ) I went into the bank with my card in hand to activate it. The teller told me that I would need to speak with a banking specialist. The specialist made a few calls and then told me that after the branch had decided to take my money and open my account that they no longer were interested in doing business with me. No reason why was given. I was told that I will be receiving a letter in the mail with a check in the amount of my initial deposit in XXXX to 3 weeks. As far as I am concerned, you do n't want my business that is fine. Give me my money back and I 'll take my business elsewhere. I should n't have to wait for my money. Basically, they stole my money and do not have enough laying around to pay me at the moment. This is nothing more than a corporation stealing my money and telling me you will get your money back at our convienance.
Consumer complaint received 2015-03-31
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: General Motors Financial Company, Inc. (CO)

My vehicle was repossessed on XXXX XXXX, 2015. I do n't think it 's fair that the lender can repossess my vehicle as collateral and still earn money as a result of a deficiency. The only compensation should be the collateral and not both the collateral and deficiency. I have also left messages for the company that repossessed my vehicle to allow me to come and get my personal property and they have not returned any of my telephone calls. Consumers should not be treated in such a disrespectful manner.
Consumer complaint received 2016-09-30
Product: Credit card — 
Issue: Other — 
Company: BARCLAYS BANK DELAWARE (TN)

Ive had fraud on my Barclays XXXX XXXX and have never received any correspondence or request for information previously. Out of the blue one day I received a call asking for additional information and stating that they would be sending me a form that I would need to complete and sign which was some kind of affidavit, which I did n't receive until XXXX/XXXX/16 from charges that occurred in XXXX 2016. I also spoke with a woman named XXXX who asked me about getting a police report filed to which I did and ended up having to drive over 2 hours to get for them because they would not accept the report number and needed a copy. Well I have done everything they have asked me to do and went through great lengths and hurdles to do what they asked. Now after doing everything they have asked, they are trying to hold me accountable for fraudulent charges that I did not make. Spoke with a Supervisor name XXXX on XXXX/XXXX/2016 who said that she confirmed that the police report was received and she would send the claim to another investigator to re review and at this point charges were not back on my account. I called XXXX/XXXX/16 and spoke with another woman named XXXX who advised me that they did not show any notation of the police report so I faxed it again and I also received an affidavit which I faxed back as well. I call again today XXXX/XXXX/2016 and find charges back on my account and speak with XXXX again and she explains theres nothing she can do because the bank was n't able to determine whether or not I benefited from the transactions that they decided to make me accountable for the charges. This is completely wrong!! Ive done everything they 've asked me to do and they have waited 2 months to ask me for anything and now want to hold me accountable for something I did n't do and because according to the supervisor XXXX because they ca n't determine if I benefited or not they are holding me accountable and I would need to seek options outside of the bank. This is wrong, Ive done everything they asked me to do including making a police report and signing and getting everything they 've asked me to do and now they want me to be responsible for something that I took no part of or benefited from, this is wrong
Consumer complaint received 2016-02-11
Product: Credit card — 
Issue: Arbitration — 
Company: JPMORGAN CHASE & CO. (CA)

Chase Bank is the account holder of my XXXX credit card, A few months ago I bought tickets for my child to attend a festival on XXXX/XXXX/2015 at XXXX XXXX California ( about XXXX miles from home ) we arrived at XXXX and were told that the show time was changed to XXXX since my son and his friend are XXXX I decided to take them back to home. I called the company and was told that there were no refunds and placed a dispute with Chase because I bought the tickets with my credit Card and the service was not performed as offered ( by changing the time ). Chase denied my dispute because the merchant sent them a letter stating that the service was performed as offered in the ticket XXXX but Chase did not verify such information and when I was called I sent them a copy of the ticket were you can verify clearly that the show was scheduled for XXXX doors @ XXXX. I 'm calling Chase dispute phone number and no answer has being provided, I leaved about XXXX messages and no calls or response has being received attached is a copy of the letter received by Chase and a copy of the original ticket I bought
Consumer complaint received 2016-11-21
Product: Credit card — 
Issue: Credit determination — 
Company: BARCLAYS BANK DELAWARE (CA)

I applied for the Barclaycard Upromise for the " {$100.00} Bonus After First Use '' and to get a free XXXX score and to have a XXXX. They then sent me a letter ( WEIRDLY, IT WAS A COPY OF A LETTER, NOT AN ORIGINAL LETTER which XXXX always gets from Legitimate companies ) - and I was then asked for an " original bill ''. I sent them an older electric bill, because I do n't get original bills anymore ; it 's all online. But here is my problem : I never heard from them again. This is the second time I have ever had this happen in my life : Barclays and XXXX. 
Is it normal or reasonable, or legal, for a company to collect all of your personal data, and even an original bill and you never hear from them again?? 
1. If I am turned down - despite XXXX debtedness, and no negatives on my XXXX report, then I want a reason, but mainly I want a free copy of the Credit Report from the agency they used. ( Based on research, I think it is XXXX, but I do n't know for sure. ) It feels like a scam. I also suddenly got many XXXX and Phishing Scam emails in my normally pristine Mailbox ; I NEVER get junk, much less XXXX, at that email address anymore. )
Consumer complaint received 2016-02-04
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: SYNCHRONY FINANCIAL (MA)

My husband needed XXXX XX/XX/XXXX, ( XXXX ) the XXXX office wanted the money up front but we did n't have that kind of money. They suggested for us to call " care credit ' to see if we would be approved, they then would apply the billing inquire to them. We got approved. I have been paying the bill on time, XX/XX/XXXX, the bill said the promotion was going to be over if we did n't ' pay it in full?!? We would get charged the back interest. This was not reiterated to me at all not was it any where in the paper when we received the cards. Is this practice legal? It 's going to cost me double and I do n't think it 's right for them to do this. Is there thing I can do to fight them on this? Help would be much appreciated. I have all documentation of payments and so forth. It was never stated when we were signing for a short promotion until I got this past bill. 

XXXX, XXXX XXXX
Consumer complaint received 2015-10-19
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: SYNCHRONY FINANCIAL (PA)

on XXXX/XXXX/2015, I filed an dispute with XXXX XXXX XXXX , XXXX. I advised them that I am not refusing to pay the alleged debt, but their claim is disputed. I advised XXXX XXXX XXXX to send me copy of contract with my authentic signature that begun this alleged debt and should the contract not be available with my authentic signature to delete the trade line off the CRA. More importantly, I advised XXXX XXXX XXXX that not complying wit the FDCPA will put their company in a bad position with the CFPB. XXXX XXXX XXXX never sent me a contract with my authentic signature that begun this alleged debt and is still reporting the account to the CRA XXXX XXXX XXXX XXXX me correspondence dated XX/XX/2015, and it stated that they have responded to my previous disputes and there is not any new facts to form a new investigation pursuant to the fair credit reporting act U.S.C. section 1681s-2 ( a ) ( 8 ) ( F ) ( i ) ( 11 ) and no further replies will be forthcoming.
Consumer complaint received 2017-01-17
Product: Credit card — 
Issue: Rewards — 
Company: DISCOVER BANK (TX)

Please see the attached statements and support. 

I am formally filing a complaint regarding the XXXX from XX/XX/XXXX. This promotion stated that purchases up to {$10000.00} would be paid back at 10 % for each eligible card. I did not receive credit for these properly for either of my credit cards. Accounts ending in XXXX and XXXX were not credited properly. I have tired numerous times to get the proper credit but the reps said my purchases included gift cards and not eligible. The terms with gift cards were not in the original terms gift cards were not excluded from this promotion and the purchases were made before the terms changed. As per the attached statements, account XXXX was only credited {$200.00} but I made over {$10000.00} in purchases so I am owed an additional {$790.00} on this account per the original terms. 
I opened an additional card account ending in XXXX and according to the statements provided I did not receive any XXXX rewards even though I made the necessary {$10000.00} in purchases using XXXX so I am owed {$1000.00} in rewards related to this promo. In addition, this account was new so it qualified for an additional promo where all purchase cash back would be doubled for a year, so this {$1000.00} credit should be doubled to {$2000.00}. 
This was a very poorly run promotion, and extremely disappointed Discover tried to change the terms after my purchases were made and would not pay out my rightfully earned rewards per the original terms. After Discover refused to pay out my earned rewards, I have begun to think negatively of this company and do n't use the cards as much as others. Please pay my {$2700.00} in rewards for customer satisfaction, as I have been long term holder of a Discover Credit Card since XX/XX/XXXX. Please contact me at XXXX with any questions. I have had other friends that have gotten their cash back and I hope you will consider this complaint seriously so Discover Card will be my card of choice in the future.
Consumer complaint received 2024-11-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I discovered unauthorized inquiries on my credit report this morning, and I have no idea why theyre there. When I checked my credit report as I usually do, I noticed unexpected discrepancies. I even refreshed my browser, hoping it might just be a glitch, but the unauthorized inquiries persisted. I urge you to thoroughly review the documents Ive submitted so I can stop worrying about this issue once and for all.
Consumer complaint received 2015-07-22
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Armada Corp. (NV)

Collection agency in question has failed to respond to debt verification via telephone and written correspondence. Agency has informed me that they will continue to asses fees onto original amount due ; although I have not heard from agency in over one month. Their practices seem to be very predatory ; I would like some form of explanation and clarity and complete removal from my credit profile.