davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-01-04
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: CAPITAL ONE FINANCIAL CORPORATION (VA)

On XX/XX/XXXX, contacted bank to inquiry about a missing credit from a merchant that was submitted to my card on XX/XX/XXXX, from merchant XXXX in the amount of XXXX SGD ( XXXX Dollars ). After explaining to the customer service representative that merchant had already provided 3 of the 4 credits XXXX had sent me, she advised that a dispute would be filed for the fourth and missing credit. She further advised that the disputed amount would be credited to my account while the dispute was researched and that I would receive a letter confirming same. However, because I have received neither the credit or letter confirming same, I am of belief and suspicion that the dispute has never been processed. When contacting merchant ( XXXX ) they advise that the fourth credit has been submitted to bank ( credit card ) and have provided me with the transaction id, yet the credit in the amount of XXXX SGD has not posted to my credit card statement.
Consumer complaint received 2018-01-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (WI)

Equifax reported that my name was at risk during their recent security breach. I was told that I need a police report to get a long term security freeze on my records. My local police department requests a letter from Equifax stating breach affected me. I have contacted equifax multiple times and have been told to sign up for a free year identity monitoring. They said that they can not help me with anything else and sent me to a website for any more information. My 90 day freeze that I had to pay {$10.00} to three credit bureaus is over. I do n't want to have to keep paying because when once the report is filed I would get 7 yrs for free.
Consumer complaint received 2020-05-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (FL)

Good afternoon, Someone took money from my Wells Fargo checking account using two ATM machines. I filed a dispute and received a new debit card ( Claim # XXXX XXXX I assumed that, since Wells Fargo was sending me a new card they acknowledged there was a fraud, otherwise there would not be a reason to think the old card was not good to use. 

I called the bank on XX/XX/2020 and some specialist called XXXX answered with an arrogant and rude attitude. He kept raising his voice and interrupting me and told me that I was the one using the card to retrieve the money, practically calling me a liar and a thief. Since I insisted, he then kept me on hold for 30 minutes, just to come back to tell me what he and the previous guy I spoke to, had told me before : that the dispute was denied ( I have a screenshot of the phone call waiting time ) I also asked him to check the cameras to verify it was not me the one retrieving the money but he did not do that and instead he kept telling me that I was the one taking the money because I was the only one who had the ATM card. 

I've been a client of Wells Fargo for more than 20 years, I have a checking, a savings accounts and my business account was being processed but now I just want to close all my accounts and have Wells Fargo giving me back my money. 

Thank you for your attention, I really hope you can help me with this uncomfortable situation. 

XXXX XXXX XXXX XXXX
Consumer complaint received 2020-03-12
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: Experian Information Solutions Inc. (OH)

I have some issues with addresses on my file that I keep complaining about. the following addresses are not mine. I am working on my new company and they can verify my correct information. Please please delete the following addresses they are not mine : XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX   XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX MY FULL NAME IS XXXX XXXX XXXX SS  XXXX, DOB XX/XX/XXXX. PLEASE REMOVE ANY AND ALL MISPELLINGS OF MY NAME. 
I HAVE SEVERAL UNVERIFIED ACCOUNTS SHOWING ON MY CREDIT REPORT. I WAS A VICTIM OF FRAUD SO I NEED ANY UNVERIFIED ACCOUNT REMOVED.
Consumer complaint received 2018-01-04
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (PA)

On XX/XX/XXXX I requested a wire transfer from Coinbase ( XXXX ) back to my account at XXXX XXXX in the amount of {$10000.00} which was my limit to transfer per day I then made 3 additional wires after that in the amount of {$10000.00} each time for a total of {$40000.00} it is now XX/XX/XXXX I have not received any money to my account and the XXXX account indicates the transfer of funds is complete for all {$40000.00}!!! I have called customer support after an hour wait on the phone was told they would contact the mother company to expedite my wire transfer. I called again today and waited 35 min. and was told I need to wait for the the department handling wire transfers to contact me! This is unacceptable please let me know if you can help get my money out of this company!
Consumer complaint received 2018-01-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY (GA)

I submitted a credit card application with American Express which was approved. The application required my physical home address. This is the same address which was included on the credit card application. 

Our mailing address for four different locations including my current address are forwarded a post office box. One credit card was delivered to my physical home address. I added three authorized users explaining to American Express that the additional cards could be forwarded to our post office box. 

Attached is a copy of a letter in which American Express changed my physical address and is requesting my physical address. I called the company several times requesting to speak with a supervisor. The supervisors never returned my call. American Express suspended my purchasing privileges.
Consumer complaint received 2018-01-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (WV)

I APPLIED AND WAS APPROVED FOR AN AMERICAN EXPRESS DELTA PLATINUM CARD. THE CARD HAD A BONUS OFFER INCLUDED. THE OFFER WAS RECEIVE XXXX BONUS MILES AND XXXX MQM 'S WHEN YOU SPEND AT LEAST {$3000.00} IN THE FIRST 90 DAYS THAT THE ACOUNT IS OPEN. IN ADDITION RECEIVE A {$100.00} STATEMENT CREDIT IF YOU MAKE A DELTA PURCHASE WITHIN THE FIRST 90 DAYS. I MET THE SPEND THRESHOLD WITHIN THE FIRST BILLING CYCLE, WHICH WAS LESS THAN 30 DAYS. THE SPEND THRESHOLD WAS MET ON XX/XX/XXXX. AMERICAN EXPRESS HAS CONFIRMED THAT I MET THE REQUIREMENT AND ADVISED THAT THE BONUS OFFER WOULD BE CREDITED TO MY ACCOUNT WITHIN 6-8 WEEKS. IT HAS NOW BEEN OVER 10 WEEKS AND I HAVE RECEIVED A RESOLUTION FROM AMERICAN EXPRESS. I OPENED A CASE WITH THEM AND STILL HAVE NOT RECEIVED A RESPONSE. ON XX/XX/XXXX, A SUPERVISOR ( XXXX XXXX ID # XXXX ) ON PROMISED HE WOULD MANUALLY CREDIT THE BONUS OFFER IF IT WAS NOT CREDITED TO MY ACCOUNT BY XX/XX/XXXX. I HAVE CONTACTED THE COMPANY ABOUT 8-10 TIMES SINCE THAT DATE AND KEEP GETTING THE RUN AROUND. I HAVE BEEN HUNG UP ON AT LEAST 3 TIMES, NO ONE EVER CALLS ME BACK AND EVERY TIME I CALL I HAVE TO EXPLAIN THE SITUATION ALL OVER AGAIN TO THE NEW REPRESENTATIVE. I SPOKE TO XXXX ID # XXXX ON XX/XX/XXXX AND HE INDICATED THAT HE WOULD HAVE THE SUPERVISOR LISTEN TO THE XX/XX/XXXX CALL AND GIVE ME A CALL BACK WITHIN 48 HOURS. IN ADDITION, MY {$100.00} STATEMENT CREDIT IS ABOUT TO EXPIRE AS WELL. I HAD PLANNED TO MAKE A DELTA TICKET PURCHASE WITH CASH + THE SKYMILES BUT HAVE DECIDED TO WAIT TO SEE IF AMERICAN EXPRESS IS GOING TO HONOR THEIR WORD.
Consumer complaint received 2020-05-06
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. (KY)

I hired an attorney and paid him fully. He told XXXX XXXX XXXX  XXXX I owed {$500.00}. The amount being reported now claims I owe {$580.00}. The attorney retired shortly after finishing my legal work. I have denied owing this money and requested documentation showing I owe this money. Experian Asked XXXX if I owed this money. XXXX claimed I did but could not provide any documentation justifying I owe this money. XXXX says I owe this, I deny it, and Experian Takes their word I owe this when I do not. Experian refuses to remove the collection from my credit report. 

Report Number : XXXX Date Generated : XX/XX/XXXX Account NameXXXX XXXX XXXX  XXXX Account NumberXXXX Account TypeCollection ResponsibilityIndividual Date OpenedXXXX StatusCollection account. {$580.00} past due as of XX/XX/XXXX. 
Status XX/XX/XXXX Balance {$580.00}
Consumer complaint received 2021-07-15
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: Kikoff Inc. (MA)

I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.
Consumer complaint received 2020-05-07
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: BARCLAYS BANK DELAWARE (CO)

In the several years I've been using my XXXX Mastercard Barclaycard XXXX I've filed maybe 2-3 disputes. Apart from making it incredibly difficult to initiate the dispute ( e.g. when calling the published  number they try to convince you to go online. Then, when online, there's no option to submit a dispute online but you're instructed to mail or fax (!!! this 2020 we're talking about ) the dispute info. Once the dispute is finally submitted there is ZERO follow up. I.e. the charge is not taken off the account for the duration of the dispute, there's ZERO information regarding what's happening. When you finally call again ( there's no way to do this online ) to check you're on hold forever and then again, either they tell you the dispute has been cancelled or the dispute is still being investigated. So this is my complaint ... IT APPEARS THAT DISPUTES ARE BLACK HOLED INTENTIONALLY by XXXX Mastercard Barclaycard XXXX+.
Consumer complaint received 2020-03-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAVALRY INVESTMENTS, LLC (OH)

My XXXX XXXX XXXX credit card was protected by credit protector, XXXX. When I became ill it should have been paid off. XXXX  XXXX XXXX sold as debt to collection agency. Why was it not paid? 
I calculated monthly safeguard payments by years paid and it was enough to cover debt. 
The collections company is trying to shake me down for money and filed case in XXXX County Common Please  Court.Please help me resolve this matter and thank you for your assistance it would greatly be appreciated. 

Contact information : XXXX XXXX XXXX
Consumer complaint received 2024-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (FL)

On XX/XX/year>, I mailed in a dispute to remove accounts that are on my credit file due to being a victim of human trafficking. Based on the tracking information ( XXXX XXXX ), Equifax received this mail in dispute on XX/XX/year> at XXXX PM. I also filed a dispute online on XX/XX/year> regarding that information that needed to be removed due to my being a human trafficking victim. When I called to check the status of the mail in dispute, I was told that they didn't even have my documents. This is now the sixth business day in regards to the mail-in dispute and there is still no update. I called in the morning of XX/XX/year> to get an update on the online dispute with the confirmation number XXXX and I was told that there is no estimated timeframe to get an update. This is now the eighth business day according to the representative. Based on section 605C of the Fair Credit Reporting Act ; " After receiving your submission, the consumer reporting agency has four business days to block the information.

However, under limited circumstances, the consumer reporting agency has five business days to request additional information from you. '' All timeframes have passed to both block or request additional information and Equifax has refused to do both.
Consumer complaint received 2020-09-17
Product: Credit card or prepaid card — Government benefit card
Issue: Advertising — Confusing or misleading advertising about the card
Company: U.S. BANCORP (OH)

Company has given me multiple versions of when my account may or may not be unfroze. I sent in all the appropriate documents the company requested and was told wait one hour call back that was a lie so next person said wait 24 hrs and call back another run around  and lie. So since XX/XX/XXXX my account has been frozen with my only means to live along with it and all I've been told is a different version of nothing since that day and it takes five days to get a fax according to reliacard, but just two days ago I called again and finally the fax was received with my new message being that they will be looked out in 24 to 48 hrs well today I called with a man saying don't get stressed it's no big deal well sir I'm about to be homeless, and I keep being told ten to 15 days but seems like when that time comes it's well five days for this five for this or we don't do anything but read the screen and then get told they reserve the right to not renew my card and when I ask on what grounds they say idk I'm not in the investigation dept. I just want to pay my bills and not be told when I ask if no new card is given what happens to my money and they answer idk I don't work in the investigation dept. Then what can't I talk to that dept. I have done all I can do to prove who I am and do all I can do for a reason that is still unclear to me. So do I keep filing my weekly claims and take the chance of not getting it ever or do I borrow money to open a bank account and at least gety checks sent direct deposit. Bad enough it cost me XXXX bucks I didn't have to send the fax to the prepaid card. Who are these people. I've seen a lot of this with this card. Please help.
Consumer complaint received 2020-05-07
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Bread Financial Holdings, Inc. (PA)

On XX/XX/2019 I attended a XXXX timeshare presentation with my girlfriend XXXX XXXX. We finally agreed to the purchase with the understanding that there was zero deposit down. On or about XX/XX/2019 I received a letter in the mail from Comenity stating I had been approved for a line of credit. I had no idea what this was for. I called Comenity about the letter I received from them and they said that {$5300.00} was charged for a down payment for a XXXX timeshare. Also, A couple days later I was notified by XXXX XXXX that my credit score had been lowered. 

I specifically told our salesperson and her manager that I did not want any kind of credit card or credit account and never authorized her to apply for any credit card or credit account. I personally never applied for or gave any representative authorization to apply for a Comenity Bank XXXX XXXX Credit Account. 



I was not aware of a Comenity XXXX XXXX XXXX Account until I received the letter from Comenity stating that I had been approved for a line of credit and then called them to ask them what this was for. Because someone applied for this credit account and charged {$5300.00} to it without my knowledge or consent, I filed a Statement of Fraud with Comenity Bank and asked for a copy of the application that I would have filled out if I had agreed to apply for this line of credit. Comenity Bank could not and would not produce it and they told me I needed a subpoena to get a copy of my application. I never filled out an application nor did I give my consent or acknowledgment for this credit account that XXXX charged {$5300.00} to.
Consumer complaint received 2020-03-12
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TD BANK US HOLDING COMPANY (CA)

I have received your first notice dated XX/XX/2020 and wanted to let you know that i was never provided with a " debt validation notice '' rather the notice I have is threatening to file litigation. I would like to dispute the validity of this debt on the basis of the following reasons : 1. Incorrect Balance 2.  Debt disputed with TD Bank while account was in good standing 3. TD Bank  withdrew funds from my checking account on 3 separate occasions without my consent and refunded the funds to me the first time, the two subsequent transactions caused my checking account to go overdrawn and I was assessed a lot of fees as a result. 
4. My last communication with TD bank supervisor ( XXXX ) was confirmed that they would dissolve the remaining balance to avoid further complaints from my side due to TD banks blatant disregard for consumer laws as it pertains to Unauthorized ACH Transactions. 

Kindly provide me with Proof of debt, accurate balance and all evidence both recorded and documented of my interactions with TD Bank.
Consumer complaint received 2020-05-06
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)

I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. XXXX XXXX {$2900.00} XXXX XXXX {$320.00} XXXX XXXX   XXXX {$3900.00} XXXX XXXX XXXX {$6000.00} XXXX XXXX {$20000.00} XXXX XXXX {$390.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00}
Consumer complaint received 2020-05-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On XX/XX/2020 I sent Transunion a letter disputing some inquiries that were unknown/unauthorized to me and they never responded or let me now an investigation was taking place. Its been over a month without hearing anything and then I sent the same letter again on XX/XX/2020 certified along with a method of verification letter ( which they received ) and still have not heard back from them.
Consumer complaint received 2020-09-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2020-09-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

Called to make an online payment of the balance due of XXXX. Agent made a mistake and made the payment of XXXX leaving me with a balance of XXXX when I called to make the payment of XXXX cents, I was told I could not make an over the phone payment of. XXXX as they could not process a balance of that amount. I asked if I could make a XXXX payment and was told no as that would leave me with a credit. Agent said I would have to write a check for XXXX or use my credit card to make a purchase in order to have a higher balance to pay the XXXX. I asked if they could write off the XXXX balance as this was their error and was told no, there was nothing they could do.
Consumer complaint received 2020-03-12
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: ONEMAIN FINANCE CORPORATION (TX)

I have a loan with this company that I pay monthly. I always pay online and only use this method to interact with the company. As soon as even one day goes by past my due date, the company repeatedly calls me beginning as early as XXXX XXXX  all the way past XXXX. In XXXX of 2020, I became frustrated with them and I answered the call. I expressly told the person to make note on my account of the following things : I do not make payments over the phone. I pay my bill online, every month. I do not wish to receive calls from them. And most importantly - I CAN NOT receive calls during work hours, which for me is XXXX to XXXX Monday through Friday. They have ignored my requests and continue to call me despite my requests and insistence that I can not receive calls during my work hours.
Consumer complaint received 2020-05-07
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. (AR)

I unfortunately have fell victim of my identity being compromised over the past few months. After reviewing a copy of my credit report I noticed several accounts reporting that I never seen before XXXX XXXX, XXXX, XXXX XXXX and several more accounts I've never been associated or received, money 's, goods, or services. Experian sent me a copy of my credit report but failed to remove all of the fraudulent accounts. I am currently working with local authorities in attempt to try to locate the individual responsible. My report I sent to Experian also had several fraudulent addresses that are still displaying on my credit file. I spoke with a representative informed she could not change my address even after I verified all of my personal information. My dispute I sent to Experian did include a detailed dentity theft report from the FTC. I am aware of rights as a consumer along with Fair Credit Reporting Act laws and statues.