davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-22
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (CA)

During the closing process, I truncated my account number in the wire instructions. I discovered the issue after the wire had been originated by XXXX XXXX XXXX. I called my bank, JPM Chase, to see the status of the wire and if it could be corrected on their end by their wire department. 

I have had to call multiple times and they are unable to provide a status or a consistent answer to resolve the issue. Communication with their customer service department is difficult and they are unable to contact the wire room to resolve. I have received multiple different responses and instructions. Either their policy and procedures are deficient or they are not consistently following them with regards to handling issues with incoming wires.
Consumer complaint received 2021-04-23
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (NY)

I have a Mortgage being serviced by SPS. I have requested an extension of Mortgage Forbearance for another 3 Months, owing to hardships related to COVID and in terms of Cares Act. I have a 2nd Mortgage on the same house with XXXX XXXX XXXX. They acceded to my request and extended the Forbearance by asking 3 or 4 simple questions. Similarly on my other house too I got 3 months extension from XXXX XXXX, by just answering 3 or 4 simple questions. However SPS is denying any further extension and is asking me to submit a big Loan Modification package, quite contrary the Cares Act guidelines and the industry practices. They are threatening me with putting Late Payments on my Credit Report. Hence I somehow managed to just put an online payment, not to get hit with a late payment.
Consumer complaint received 2019-08-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc. (PA)

When applying and subsequently being approved for my XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX, I opted into an " Easy renewal '' program or feature of the card. It was disclosed to me in the terms and conditions of the card that enrollment in the program would offer an annual {$10.00} discount on the XXXX XXXX membership. I have not received this discount. Upon initial inquiry in XX/XX/XXXX, I would told that the program takes a full calendar year to go into effect. I inquired again this year prior to my XXXX 's membership renewal and was told that the program was discontinued on XX/XX/XXXX. This was never disclosed by the business. I am attached part of the terms and conditions furnished by the business in person at its XXXX XXXX, NJ location. Please see highlights on page three. The business has subsequently failed to remedy this issue or comment as to why or how it provided false terms and conditions and further place me on proper notice of the program change.
Consumer complaint received 2024-08-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On XX/XX/XXXX I recently made a payment of {$600.00} and that amount was from all the past due payments that I have previously missed. I eventually got caught up on all my student loan payments and stopped missing payments that were due. I am now caught up on all my student loans. I would appreciate if those late payments that are on my credit report could get removed, having those late payments on my credit report is preventing me from boosting my XXXXredit score.

In accordance with 15 USC 1666 ( b )
Consumer complaint received 2021-04-22
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously
Consumer complaint received 2021-04-22
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: EQUIFAX, INC. (CA)

I am a victim of identity theft. FCRA 605B ( 15 U.S.C. 1681c-2 ) Block the Information Resulting from Identity Theft. The account does not belong to me. I am writing to request that you block the following fraudulent account from my credit report immediately
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.
Consumer complaint received 2021-04-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NV)

XX/XX/2021 Lawsuit has been and a court date set filed by my attorney in XXXX XXXX in Civil court against USAA false claims on my credit report and failure to conduct any investigation of fraud on my account. I have had USAA served and no response at all from USAA. They also bullied me into paying {$1800.00} of the fraud charges due to they knew I am XXXX XXXX XXXX and cant have bad credit. 


USAA Federal Savings Bank XXXX XXXX XXXX XXXX XXXX TX XXXX Dear USAA After reviewing my credit report, I am writing to dispute the following inaccurate information, all of which result from FRAUD CHARGES ON MY USAA CREDIT CARD XXXX and is not information relating to any transaction I made. Please investigate each account listed below as the charges are fraudulent and were made without my consent. 
I was bullied by all your staff at USAA bank to pay the fraud charges of {$1800.00} DUE TO YOU RUINED MY CREDIT. I am a XXXX XXXX XXXX XXXX XXXX living on XXXX XXXX. Why would I ruin XXXX years of XXXX credit score? After contacting the local police agencies and the FBI I should have not paid the fraud charges until it was fully investigated by USAA fraud department and a letter was sent to me clearly denying my claim. I have consumer rights by law to file an Affidavit of complaint. I also contacted a local law firm here in XXXX XXXX that are experts in this matter and they clearly stated to me I should have never paid the fraud amount until a professional investigation by USAA was done. I was told that this is the first step I must do to fix this matter. 
I have asked over and over to do a complete investigation and check the atm cameras and I can prove I was not in the same state that the fraud occurred. ( No investigation was ever done by USAA Fraud Department ) I was never allowed to speak to someone in the fraud department. 
I was never notified in writing that USAA Savings bank denied my fraud charge claim and I was responsible for all the charges on my account. 
I would like to see prove that I received those notices in writing. 

This whole matter has brought me to an incredibly sad mental state and have had counseling over losing my house due to now I cant refinance my house with bad credit. 

( Police reports Filed ) XXXX XXXX XXXX Police XXXX / FBI IC3 Ic3 XXXX The XXXX XXXX XXXX police have started the investigation and taken my affidavit of prove that I was not in the states or locations of the fraud on my credit card. The FBI IC3 unit has also started their investigation and received my affidavit. 


ACCOUNT NAME - ACCOUNT # XXXX Please investigate this account, as the charges are fraudulent, and were made without my consent. 

Sincerely XXXX XXXX XXXX XXXX XXXX XXXX  XXXX NV XXXX XXXX
Consumer complaint received 2021-04-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

Capital one and XXXX XXXX  both violated consumers fundamental rights I have paid everything on time over many years. 

My Three credit bureaus report show that capitalone and XXXX XXXX did not remove incorrect information. 


XXXX XXXX XXXX and Capital one bank are getting so many complaints from XXXX XXXX XXXX and consumer finance government. 

I try to purchase a home for my XXXX kids through FHA loan, USDA loan or VA loan but XXXX XXXX XXXX and capital one bank made incorrect information without my consent in credit bureau file, they should remove them under fair credit act and federal instructions.
Consumer complaint received 2021-04-21
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Conn's, Inc. (TX)

I opened a line of credit with Conn 's Appliances on XX/XX/2016. The original amount was {$2000.00} or so at the time of signing the agreement. As i review all payments up until the charge-off, I've paid {$3600.00} to Conn 's Appliances on this line of credit and they're still threatening to take legal action if they don't receive an additional total of {$4200.00} in interest and fees which is absolutely outrageous. I would've paid this account off 3 times with the amount of interest and fees that Conn 's is asking for to resolve this account.
Consumer complaint received 2021-04-22
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: BAM Management US Holdings Inc. (OR)

On XX/XX/2021 I opened up an account with Binance US Exchange in order to purchase cryptocurrency. They have a $ XXXX daily deposit limit so I began the deposit process and started purchasing crypto daily and all seemed fine. On XX/XX/XXXX I suddenly found my deposits getting " Failed! '' and for what reason I do not know because I had more than sufficient funds in my attached ACH to cover the deposits. I did everything possible to find out why such as filling out support tickets but all I got back were emails with a standard generic response saying to add another ACH account but it absolutely did not work and it was attempted a number of times. They have no phone number for customer support so the options were few and it doesn't appear they even read the support tickets because the same automated response is given each and every time.
Consumer complaint received 2021-04-22
Product: Money transfer, virtual currency, or money service — Money order
Issue: Problem with customer service — 
Company: WESTERN UNION COMPANY, THE (FL)

On XX/XX/2021 I attempted to send {$51.00} via Western Union. When submitting, it added 2 zeros, equaling {$5100.00}. My bank account is overdrawn. 

I immediately contacted Western Union to stop the transfer, they assured me they did. I was told the money would be back in my account on Tuesday, XX/XX/2021 ( 7 business days ). However, the money is not in my account. Every time I call, I get a different response as to why it is not in my account, when it will be in my account, that it is being investigated, etc. 

I was told multiple times that I would receive an email confirmation that the refund was being processed. That was never received. 

I was finally given a number of the corporate office, however that is not a legitimate phone number for Western Union ( XXXX ). 

I simply need my money back in my account. I have bills I can not pay because my account is over drawn. 

I have attached a " chat '' transcript as proof of the ongoing non help.
Consumer complaint received 2021-04-22
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: TD BANK US HOLDING COMPANY (NJ)

I opened a checking account in response to a promotional offer on XX/XX/XXXX. 

The prevailing Supplement to TD Bank 's Personal Deposit Account Agreement, dated XX/XX/XXXX, said " Checking offer is not available to existing TD Bank checking Customers or prior Customers who have had a TD Bank personal checking relationship within the preceding 12 months '' and explained the " Checking Offer '' as follows : " To qualify for the {$300.00} personal checking cash bonus : New personal checking Customers must open a TD Beyond Checking account and receive cumulative qualifying direct deposit funds of {$2500.00} or more into the new account within 60 calendar days of the account opening date. '' I had a checking account with TD Bank in the past, but that account was definitely closed before XX/XX/XXXX, so the Checking Offer was available to me as per the Supplement alluded to in the second sentence above. I opened the account and received cumulative direct deposit funds from my employer in the amount of {$3300.00} between XX/XX/XXXX and XX/XX/XXXX in three tranches - {$1100.00} on XX/XX/XXXX, {$1100.00} on XX/XX/XXXX, and {$1100.00} on XX/XX/XXXX. Note that XX/XX/XXXX is within 60 calendar days of XX/XX/XXXX. 

When I did not get the bonus after 140 days ( that was the waiting period, as disclosed by TD Bank at the time of account opening ), I sent a message on XX/XX/XXXX using the secure messaging system of the online banking portal. 

TD Bank responded on XX/XX/XXXX : " We have emailed the promotional offer review team. They have responded informing us that the account did not qualify for the promotional offer due to receiving a bonus on a previous account. Upon review, an account opened in XXXX received a {$200.00} bonus. '' I pointed out on XX/XX/XXXX : " The promotional offer stated 'Offer is available to new personal checking Customers who do not have an existing or prior personal checking account at TD Bank within the preceding 12 months. ' Now your team is telling me that I am not eligible because I received a bonus on a previous account. Sounds like terms and conditions being changed after the fact. Looking forward to your response. '' The response came on XX/XX/XXXX : " Thank you for reaching back out to us. We apologize for any confusion. Customers can only ear a bonus for one checking and one savings account. Thank you for your time and be well! " Either the promotional offer was deliberately misinforming the customer or TD Bank wanted to rewrite their advertisement after the fact.
Consumer complaint received 2021-04-22
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. (GA)

Experian has refused to remove a fraudulent credit card names XXXX XXXX from my credit report and it has caused me to get denied for personal and business credit. 
Experian has also refused to remove the false late payments for XXXX XXXX XXXX  from my credit report.
Consumer complaint received 2021-04-22
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. (FL)

Good afternoon, My credit score went up 70 points and then went down 70 points due to my credit card usage percentage. I have already fixed that problem. The card usage is below 40 %. Please readjust my score to reflect back to the XXXX score.
Consumer complaint received 2021-04-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE (NC)

I have an XXXX XXXX XXXX XXXX XXXX that is offered by Barclays US. There is a {$99.00} annual fee that has been presented to me in writing as a fee that supports Barclays ability to offer the benefits the card provides. Those benefits are clearly published in Barclays ' marketing materials and almost all of them involve air travel ; therefore the cardholder 's ability to utilize said benefits is predicated on the ability to travel. Due to the Covid-19 pandemic air travel was not feasible over the last year and other banks that provide airline credit cards either waived or reduced the annual fee. A good example of this is XXXX XXXX other credit card partner, XXXX, which did reduce the annual fee. Barclays has refused to do so and thus is collecting a fee for a benefit it knows can not be exploited. This feels fraudulent at best.
Consumer complaint received 2021-04-22
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: FORD MOTOR CREDIT CO. (NY)

I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 

XXXX XXXX inquired XX/XX/2020 XX/XX/2020 XX/XX/2020 XX/XX/2020 XX/XX/2020 XXXX XX/XX/2020 FORD MOTOR CREDIT CORP XX/XX/2020
Consumer complaint received 2021-04-22
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. (GA)

XXXX XXXX sent information to my email, that I was being reported late on my account, XXXX Master card. i Contacted them i was told that i was 2 months late, i explained to the operator that i didnt know that it was late i thoug it was paid out, she said that they tried to call me, i responded no one called my phone. i only have one number that has been with me over 5 years its a cell phone. she said they called my home phone. i have not had a home phone in 6 years that they called some one else. after i told her that its not fair they could have mail me a letter or Email me but instead they report me to the credit reporting company i ask that they remove the information of 30 days late, since its not my fault they worked from home and not doing the job they are getting paid for. i work hard to get my credit back and they now trying to ruin it. i fell they should at least correct the wrong information on my report i paid the account balance to XXXX  before getting off the phone with her.
Consumer complaint received 2021-04-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I tried to send them a letter last XXXX asking for a copy of a signed contract bearing my signature, a copy of the payment statements of this account from which Bank of America is reporting to the credit reporting agency. I am asking for proof that I was late on payment because they are reporting erroneous inconsistent account information. Tracking number : XXXX I received a response from them but they did not provide the documents that I am asking and they did not update the credit report as disputed. 

I already paid the debt and want the account removed from my credit report. 

Bank of America is violating the FCRA for reporting this account with inconsistent and inaccurate information that I disputed which they then did not update to the credit reporting agencies as " disputed '' and continues to report inconsistent account information which is in direct violation of the FCRA.
Consumer complaint received 2021-04-22
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. (CA)

Equifax is reporting accounts on my consumer report that I have not validated being that I am the original creditor and also they fail to comply with the laws and FCRA. 
It has cause extreme harm to me not being able to get the credit that is due to me and I am extremely exhausted mentally! You have 5 days after receiving this complaint to remove these accounts from my consumer report. 

The agency is in violation Pursuant to 15 USC 1692g. They were to notify me 5 days prior, I was not. I am the original creditor. I do not validate this debt. With that being said, the following accounts must be deleted from my consumer report. 

XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my consumer report will result in further actions being taken against your company ; I will also be in pursuit of {$1000.00} per violation for : -Defamation -Violation of 15 U.S.C 1692g -Negligent Enablement of Identity Fraud
Consumer complaint received 2021-04-21
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TN)

I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. 
I have sent out numerous disputes to removed this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the dates I Sent out letters : XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX.
Consumer complaint received 2024-08-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>