davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-01-25
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TD BANK US HOLDING COMPANY (PA)

my account was hit by a skimmer and an illegal XXXX $ stolen from my acount this money was set aside for home inspection due to us buying a house td bank was contacted via local branch and started the process of getting my money back card was canceled and new one issued my account was expedited but noting has happend i still dont have my money and now no t able to pay my inspector they are dragging their feet on this the criminal who did this tried to hit my account the same day on 3 other occasions that morning but thank XXXX visa caught it
Consumer complaint received 2018-01-26
Product: Credit card or prepaid card — Store credit 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 (MI)

I first ordered some items form Kohls.com in XXXX of last year. I ordered on-line and after I placed the order I noticed that it was going to be sent to an old address of my daughters in XXXX, Alabama. ( Copy of Kohls statement attached ). I noticed it right away and called Kohls and was told I could not change the order and that it would be delivered to the old address in Alabama. They said if it is returned to them they would credit my account for XXXX. I called back and was told that the items had been returned and that it the charge would be credited to my account. Unfortunately I don't have the dates for the first two calls but they occurred inXX/XX/XXXX. I have a date for the third call I made ( see attached ) that was made on XX/XX/XXXXwhere I first promised a refund. That is the first documented contact in writing. I have supplied the attached correspondence. To add insult to injury they added a {$27.00} late fee on my account for the charge that was supposed to be refunded. This is the worst possible non customer service that I have ever encountered. The people at Kohls.com have failed in every way. Please help, XXXX XXXX
Consumer complaint received 2018-01-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: WELLS FARGO & COMPANY (NC)

We received your complaint. Thank you. 

We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. 



YOUR COMPLAINT : IT HAS BEEN GOING ON SINCEXX/XX/XXXX THATS OVER 1 1/2 YEARS. 

i filed yesterday a cfpb # XXXX and yet today i found another proof of what has taken place by the wells fargo bank. In my online account on credit card # XXXX They actually states that the account was created onXX/XX/XXXX I have attached the bank on line information and you already have the proof of signed letters from the executive office personnel this account was closed on XX/XX/XXXX and another lie that it was closed onXX/XX/XXXXand created over 50 transactions. i have tried to get statements dating back and they refused and not allowable. 

Attachments Scan2pdf.pdf ( 1 MB ) XXXX Account Profile.htm ( 24.5 KB ) Hide full complaint What product or service is your complaint about? 








PRODUCT OR SERVICEChecking or savings account TYPEChecking account What type of problem are you having? 






















Issue Managing an accountHave you already tried to fix this problem with the company? Yes What happened? 





They never bother to repond to the complaint I filed and I added the proved with the signatures as well. The complaint # is : XXXX all you need to do is pulled the attachements for the proof of all the lies the banks has created. I have filed two lawsuits with XXXX  that wa sprovided by wells fargo as well and denied the offer of {$2400.00} by mediations from the bank and even got {$500.00} check {$48.00} i filed yesterday a cfpb # XXXX and yet today i found another proof of what has taken place by the wells fargo bank. In my online account on credit card # XXXX They actually states that the account was created on XX/XX/XXXX I have attached the bank on line information and you already have the proof of signed letters from the executive office personnel this account was closed on XX/XX/XXXXand another lie that it was closed on XX/XX/XXXX and created over 50 transactions. i have tried to get statements dating back and they refused and not allowable.
Consumer complaint received 2023-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Westlake Services, LLC (GA)

West lake portfolio financial LLC has used my info incorrectly, and continues to report my info incorrectly. 
From XXXX In accordance with the Fair Credit Reporting act XXXX Account # XXXX Has violated my rights 15 U.S.C. 1681 section 602 A States I have the right to privacy.

15 U.S.C. 1681 section 604 A Section @ : it also states a consumer reporting agency can not furnish an account with out my written instructions
Consumer complaint received 2018-01-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Bread Financial Holdings, Inc. (TX)

Inquiries XXXX XXXX  Inquiry from XXXX XXXX XXXX Inquiry from XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX Late payments XXXX XXXX on XXXX &XX/XX/XXXX I'm always on time with my payments and if an error has occurred, I make sure to give them a call and correct the situation. That has only happen once but XXXX XXXX corrected that error. Although, XXXX XXXX on my credit report it states I've given two late payments & that effects my credit history.
Consumer complaint received 2018-01-27
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: EVERBANK, NATIONAL ASSOCIATION (GA)

XXXX who has no sold their bank has been reporting my payments late to the credit bureau and I am trying to sell my house to down size after a divorce. THe company did not even have an automated system in the beginning of XX/XX/XXXX all payment went through XXXX XXXX as well they have a p.o.box that you remit payment and as you will see on my bank statement the payment constantly cleared on the XX/XX/XXXX of almost each month but on their activities report posted on the last day of the month. I have all the proof that the company is wrong and they are hindering my process of purchasing a home. They were a small mom and pop bank that held payments nd posted them to get additional feel in the month of XX/XX/XXXX or XX/XX/XXXXthey held a check for an entire month due to know account number ad my name and address was on the check. They returned the check a month later ( how did they know my address ) because it was on the check in which they could have applied my payments. Again please consistently look at how they cleared and posted my check pretty much the same time every month. I have never been 30 days late this process has taken over 40 days and I need them to remove the lates now since I do have proof of payment and when they cleared.this was a bad mortgage and 95 % of the homes have gone into foreclosure because of the company who had completely wrong information. I have given them clear proof there information was incorrect for l years but especially XX/XX/XXXX in which it has taken over 3 months 90 days. i have correspondence with 7 different claims ofmy reporting, I have been forced to spend money that on obtaining an attorney. i have been a customer for 14 years and they will not give me a number to their attorney nor suppervisor.the must change my report and I am seeking damages and I want all of upper management and legal departments information
Consumer complaint received 2018-01-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: U.S. BANCORP (TX)

I have opened a Home equity line with US Bank on XX/XX/XXXX, Account number XXXX with approve credit line of {$150000.00}. 
From that date, I never use this Account. I moved to Texas in XXXX, and close checking, saving Account with US bank but not Home equity line. I have note them my new address at Texas, and they have send me the Premier line XXXX date XX/XX/XXXX. From that date, I did not receive any information, statement from them. 
Up now, when I check from credit report, I know that there are a balance of {$63000.00} from my Equity line account. I call them and they said that is annually fee charge of {$90.00} and that charged is for 9 years. I complain why they did not send us any statement or XXXX to report this charge, they said that may be I did not update the new address!? As above mention, I have receive their Premier line XXXX card on XXXX, and my daughter live there in the house at California ( House that I apply for this equity line ) she did not receive any paper from US Bank. The manager told me that the fee charged is not refundable. 
I really feel bad about this and want to ask for help.
Consumer complaint received 2023-10-09
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)

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.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MO)

Consumer Reports Regarding Address Discrepancies to all 3 Credit reports Experian, XXXX, XXXX. Data Leaks due to identity Theft and Mortgage Loan reporting inaccurate information to all 3 Credit Reports.
Consumer complaint received 2018-01-25
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: Coinbase, Inc. (TX)

I made a wire transfer of {$2000.00} us dollars on XX/XX/XXXX at XXXX XXXX PT. The company policy about wire transfers clearly states that wire transfers made before XXXX XXXX PT will be credited same day, as today XX/XX/XXXX my money has not been credited on my account, i tried to reach the customer support but they were kind of rude and their answers were vague and not clear ( they do n't know a time frame to be resolved or if it 's going to be solved ).
Consumer complaint received 2023-10-09
Product: Credit 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. (IL)

XXXX - after a XXXX stay - I was informed by the XXXX host I was being charged for some replacement items during our stay, charges were {$1700.00} Immediately disputed with XXXX - it became clear they would simply post the charge and not look into the issue XXXX - I was charged {$1700.00} on my Chase United Explorer credit card ( ending with XXXX ) XXXX - I filed a dispute with chase XX/XX/XXXX - follow up call with chase ( XXXX ), provided XXXX pg pdf documents with arguments and evidence on why the charge is bogus ( host basically updating their XXXX year old furnature on our dime with upgraded version of what they claim to be broken by us ) XX/XX/XXXX - follow up call with chase - confirmation of dispute case being filed on XXXX XXXX - follow up call with chase - confirmation provisional credit is put in - information given that merchant 's bank has 49 days ( XX/XX/XXXX ) to respond and if they fail to do so - provisional credit becomes permanent credit and issue is resolved at that point. 

XXXX - follow up call with chase. Getting information that case is still ongoing. When asked about whether any of the information given me on XXXX about 49 days is accurate - representative ( I believe XXXX? ) did not answer and basically hung up on me. 

XXXX - CFPB complaint is getting filed.
Consumer complaint received 2023-10-09
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: Newport Intermediate Inc. (CA)

I have a prepaid XXXX  card with a balance. The company claims that this card is expired and only active for approximately 6 months. The company refuses to reopen the card or provide any balance information or activity. I do not even know if there was fraud involved with the card. 

The company I spoke with ( based on the number on the back of the card ) is Prepaid Digital Solutions, phone number XXXX.
Consumer complaint received 2023-10-09
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EQUIFAX, INC. (VA)

XXXX XXXX XXXX XXXX XXXXXXXX This account is reporting inaccurately and incomplete. I have requested documentation from this Financial Institution and have not received a response or the information I requested. It has been pass 30 days. Certified Mail Receipt : XXXX XXXX XXXX XXXX XXXX XXXX I have been disputing this account and no proper investigation has taken place and this is a violation to my consumer law rights and my mode of living. This account needs to be deleted from all 3 consumer reporting agencies immediately. 

Certified Mail Receipt : XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-01-27
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: HSBC NORTH AMERICA HOLDINGS INC. (NJ)

I opened my checking accout with a promotion coupon ( To summary : can get {$350.00} if {$10000.00} deposit and maintain 90days ) on XX/XX/2017 but havent received the bonus after timeline passed. I contacted HSBC and they said I have to contact the branch where I opened at. 
I contacted the branch. They said I have a history of opening/closing a checking account before so I am not eligible to get the bonus. 

However, the banker checked the history and proceeded when I opened my account. The banker ( I can give the banker information if you need it. I didnt enclose due to personal information ) confirmed that HSBC has no record of my previous checking account history in their system after researching it. 

If the banker would informed that I was not eligible for the bonus when I tried to open a checking account, I wouldnt open and wouldnt maintain my money there over 6 months so far.
Consumer complaint received 2018-04-24
Product: Debt collection — Federal student loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

Back in XX/XX/XXXX, I received a phone call from XXXX XXXX, a gentleman advised me that their company is attempting to collect a debt and that this items is already placed on my credit report, he is giving me the opportunity to pay the debt. I advised him that I do not owe anything to this company. This debt was paid through Federal Student Loans, Subsidized Loans and Pell Grants and if he placed anything on my credit report I will sue. I received a letter back in XXXX advising me that they can cut the payments to pay in full for {$12.00}, why would I pay for a debt I don't owe. On XX/XX/XXXX, I received a letter stating that I have verbally disputed this account and they will hold off on any proceedings, I wrote them a letter dated XX/XX/XXXX stating to validate this debt, In all correspondences this company never validated this debt nor sent me any information to prove this debt which I asked but now this company is on my credit report.
Consumer complaint received 2018-01-28
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: OAKTREE FUNDING CORPORATION (UT)

In XX/XX/XXXX ; I was notified by XXXX XXXX who was employed by XXXX XXXX Now that I was pre-approved for a home loan. She sent my realtor XXXX XXXX ( XXXX XXXX ) a pre- approval letter. XXXX and I then spoke with XXXX XXXX with XXXX XXXX with pre-qualification letter in hand and began picking out my town home in XXXX, Utah. By this time, I had given XXXX XXXX {$1000.00} earnest money and a {$2500.00} construction deposit. Everything seemed to be moving along very smoothly. XXXX would advise me every two to four weeks that she had checked with XXXX on the progress of my loan and XXXX would communicate with me that XXXX stated that everything was fine. 

The only change that had been passed along to me was that XXXX took my loan to her new employer Oaktree Funding. During XXXX employment with Oaktree Funding the only things that were requested of me to produce was my investment statement so I can show where the down payment was coming from, updated paycheck stubs, bank statements and documentation that my student loan was in good standing. 

On XX/XX/XXXX ; 17 days before I was supposed to close on the property at XXXX XXXX XXXX XXXX in XXXX, Utah XXXX had called me to inform me that XXXX was no longer licensed to be a lender/broker in Utah and the processor XXXX at Oaktree Funding, was advising her I needed an additional {$6000.00} or so in order to close on XX/XX/XXXX. 

Needless to say, I dont have an additional {$6000.00} or so and I am not sure if I will even receive my {$3500.00} I had given to XXXX XXXX as a deposit/down payment. Furthermore ; my current landlord has already rented out my current residence. Now I am currently in a situation where I am scrambling for a place to live by the end of XXXX.
Consumer complaint received 2018-01-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (CA)

I put a credit freeze on my data at Experian on XX/XX/XXXX by telephone. Subsequently, I was sent three sets of documents, also called reports, by Experian with an identification number. The document advised me to save this identification number because I would need it to validate my identity with Experian should I need to temporarily lift the freeze on the credit report. Each report had the same identification number. The number contained 6 leading XXXX followed by 9 other digits. 

On XX/XX/XXXX and again on XX/XX/XXXX, I attempted numerous times to temporarily lift the credit freeze on my credit data. I was unsuccessful and encountered the following problems. 

The use of leading XXXX defeats the purpose of a unique ID number since the online form accepts any number of digits up to a maximum of 10 and there is no way to know how many to enter or whether on should enter any at all. 

Regardless of the number of leading XXXX, since I tried all possible combinations which the form would accept, including NO XXXX, the online form to temporarily lift the freeze would not accept this number. In each case I included the other 9 digits. 

I also tried the number I was given when initially creating the freeze over the phone but which had not worked during a previous temporary suspension of the freeze. This number was different from the one sent by mail on an official form. This one had no leading XXXX and contained 10 digits. This was also rejected. 

I then tried to establish my identity without a PIN using a series of questions. I answered each question correctly but Experian rejected this method of validation as well. Apparently the data they collect is often inaccurate and invalid and produces many false negatives. 

Finally, I tried to upload a PDF scan of the three documents they sent again using their online form, but their system was unable to upload this document. 

Experian does not provide telephone support to resolve problems like this. For a company with so much power over the financial lives of Americans to display this degree of incompetence with no way to quickly resolve issues is completely unacceptable. 

I need a valid identification number to use to temporarily lift the credit freeze on my credit report promptly from Experian. This number should contain no leading XXXX.
Consumer complaint received 2018-01-26
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL (NY)

I was misinformed of the purpose of this card. I went to purchase a pair of glasses that cost {$1000.00} dollars on XXXX XXXX, 2016 and paid it in full. Then was informed that I could sign up for Citi Health Card Dealer.
Consumer complaint received 2023-02-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (CA)

I mailed the Equifax and third-party debt collector, XXXX XXXX XXXX requests to validate the debt on XX/XX/XXXX on XX/XX/XXXX, I received a printout of account transactions but I never received the correspondence I requested. Since the validation was not executed as requested within 30 days. I have been a victim of identity theft. The Credit Reporting agency was supposed to remove the debt from my credit file but they didn't remove the negative accounts. According to the FCRC reporting invalid inaccurate information to my credit file is a violation. The non-validated inaccurate accounts were supposed to be removed.
Consumer complaint received 2018-01-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (SC)

I have had my student loan on a income contingent status I submit my pay stubs and household income and information in 2016 my account was reported as 90- 120 days late I called to inquire about this and was told since I faxed in several pay stubs for the month there was a confusion about the amount I really earned and they calculated me making 3 times the amount of my actual income I thought the account was at a payment of {$0.00} dollars monthly when I was changed to a payment of over {$300.00} dollars a month I was not made aware of this change and when I did realize it and called the company handling my loan they fixed my payments but my account still shows that my account was 90- 120 days late keeping my credit score from increasing. I would like to resolve this and get this delinquency removed from my credit reports.