davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-06-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

The specific problem is that via Trans Union &   XXXX   XXXX   XXXX    3.0 scoring methodology, I saw my credit score drop from  XXXX  to   XXXX    in a very short period of 2 weeks, and when I called and spoke to a Trans Union rep, she explained the scores are tabulated via a computer program & nothing else could be done to address this. The problem I have is that this score drop (   XXXX   XXXX   XXXX   score  XXXX  ;   XXXX   XXXX   XXXX    XXXX  ;   XXXX   XXXX   XXXX   score  XXXX  ) is enormous and impacts my score dramatically because I do 'not ' have enough credit usage, but I am a very responsible individual and consumer and do n't need additional credit, yet my credit gets crushed so fast and very much to the downside because I do n't have enough credit cards? This type of new score for me not potentially ruins my ability to get a good home loan if I look into purchasing and financing a home, which is a big concern for me. Please either explain why the reporting agencies can drop the score of an excellent credit & paying consumer 'only ' because they did not have enough credit usage or help me ( and others like myself ) address this problem of scoring/reporting the credit agencies currently have so we are not so severely punished for having too little credit. This is truly disappointing for me. Sincerely,   XXXX   XXXX
Consumer complaint received 2023-08-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (NY)

I made a payment to JPMCB CARD SERVICES in XXXX and it was rejected do to insufficient funds. I was alerted and resubmitted the payment. 

As someone who is diligent about credit responsibilities, I checked my statement in XXXX, and it stated that there was no payment due and everything is as it should be. 

This issue continued, not due to insufficient funds, but due to Chase no longer accepting my payment account, but had never alerted me and continued to allow me to make these payments. 

I am attaching statements from XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

Notice that at the top of each statement, it states that my account is in good standing. Contrary to these statements, Chase reported both a XXXX date late payment and a 60 day late payment. 

I feel this is an egregious series of misleading communications on the part of Chase.
Consumer complaint received 2017-12-05
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (FL)

On XXXX XXXX, 2017 I wrote a complaint to you guys for charges deducted from my account for items or charges never authorized by me, Wells Fargo respond saying that they will investigate the charges and after numerous phone calls to clerks or what they call specialist they have no conducted a fair investigation that have a lot to think abaud how Wells Fargo conduct business. Last time I call I request to speak to a supervisors and they told me that they call me back in 24 to 48 hours as of today I still waiting for the return phone call, They talk me that they received proof of my charges, I request that they can send me those charges and compare my signature if they have something and they never send me the proof that they received. I 'm a XXXX years old man trying to fight this monster call Wells Fargo that the thieves have more credibility than a customer for the last 40 years. 
I will like to take this complaint to highter level and alto take Wells Fargo to small claim court because if they can not give me the proof maybe they can provide to the court.. 
Is very difficult to defend went you do n't have nothing. The thieves or crooks they did't left me a backup to present to the Bank. 
This is the second complaint about this matter and hope Wells Fargo can do their job. 
If they can prove to me that I authorized those charges I do n't a problem paying for service that I received but ca n't pay for service that I did n't received. 
I hope you can intercede to resolve this matter and I 'm attaching the only documents that I have. 
Also request that they call any car rental in XXXX XXXX for a week rental so that they can compare those charges. Normally they charge between XXXX to XXXX. 
If you need more information please call me at XXXX
Consumer complaint received 2018-01-31
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: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

This is the second time that Bank of America has RETURNED my payment to my bank and charged me with a returned payment fee. 

When I have tried to call, they hang up on me. 
Please help/
Consumer complaint received 2018-01-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (DE)

On XX/XX/XXXX I joined a dating site called XXXX XXXX for one month at {$14.00}. I notice with 24 hours or less contact issues with the site deleting my information in my profile and changing what I was saying. I did e-mail the company XXXX XXXX and did receive a response back from XXXX XXXX on XX/XX/XXXX stating my account could not be cancelled. XXXX also I believe was changing and harassing members as when I complained, she sent an e-mail return with a smile face. Other people also complained as they didn't understand why and who was changing the profile information. I did call Bank of America, VISA  credit card to dispute the {$57.00} charge and told them I wanted a month membership, not 6 months. I faxed all information proving this including trouble tickets, e-mails from XXXX XXXX employee etc. Bank of America Visa credit card turn around and sent me a letter dated XX/XX/XXXX stating there was nothing more they can do. They failed to protect a customers interest and allowed fraudulent charges to be processed. I have approx. 40 pages of proof showing cancelled subscription to reactivate subscription by the company called XXXX XXXX which Bank of America has in their possession. Bank of America apparently refuses to send conformation of dispute other than saying there is nothing we can do after I spent hours faxing proof to them.
Consumer complaint received 2020-12-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FinCo Services Inc DBA Current (OK)

XX/XX/XXXX I moved XXXX from my bank to my daughters Card account with Current. As of XX/XX/XXXX the funds have been taken from my bank by current  but Current  has not posted them. A Current  rep via chat advised me this am they had my funds and it should post any minute. The funds never posted. I contacted Current  again and was told it would hold for 5 days. They said they did not have the funds but the first agent said they did and the funds have indeed cleared my bank.
Consumer complaint received 2020-12-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

In XX/XX/2020, we issued a check for {$3000.00} to a law firm using Bank of America 's billpay service. They mailed a physical check to them. 

Somewhere, the check was intercepted, and deposited by a third party. We do not know who it is, but the cancelled check has their bank account information. 

The check was never endorsed by anyone, so it was never properly payable, and should never have been accepted as a deposit. According to the UCC, we are not liable for this banking error. 

We have been trying to resolve this with Bank of America for nearly six months now, and have gotten nowhere. The liability is clearly on them, and we are due an immediate refund for the {$3000.00} for the improperly accepted check. They are dragging their feet regarding " research '' and have missed every resolution deadline they promised. 

The bank clearly owes us {$3000.00} for their error. Checks CAN NOT be deposited when they are not endorsed.
Consumer complaint received 2017-12-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (MD)

I originally opened my account with Wells Fargo in XXXX XXXX as a result a scam that a home improvement contractor, XXXX XXXX, had inflicted on me, where he told me that a payment of {$4000.00} by check had bounced, so I wrote another check. The first check did n't bounce, and it was too late to stop payment on the second {$4000.00} check. So I opened an account at Wells Fargo where he did his banking, hoping to catch him depositing my check. I explained all this to the manager opening my account, asking what the minimum deposit would be for not incurring any fees. I did n't want to deal with this account other than the hope I was n't going to lose another {$4000.00}. He deposited the money elsewhere. I had such a bad experience with the whole job -- had to change my locks, filed a complaint, but did n't go to court -- I did n't want to think of him again. Now, 3 years later, I decided it was time to face it -- I would treat myself to my original monies I deposited into the bank. I thought it was {$1000.00}, but the bank said it was {$800.00}, so when I went to close the account on Fri XX/XX/XXXX, there was only {$460.00} remaining! {$340.00} in fees had been incurred. They argued that I had been getting statements all along, but emotionally, I could n't open them. After escalating the issue, they only returned 6 months of the fees, but I assert they misguided me when I first opened the account, as I wanted to deposit the minimum amount to have a fee-free account. I had 0 transactions with the bank, except for the opening and attempt to close on XXXX. Is there anything CFPB can do to help?
Consumer complaint received 2017-11-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

XXXX XXXX XXXX XXXX XXXX is reporting by the last five years to the credit agencies a car repossession that never happened. I already wrote to the credit bureau agencies about this situation, but the bank continue sending information about this situation that never exist. I do have my car title from about five years ago and move this motor vehicle from XXXX XXXX to XXXX on XXXX, 2016. I still have my car with me in XXXX, FL.
Consumer complaint received 2023-01-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

I have an account reporting incorrect information on my credit report. They have 3 different balances showing on each report. According to the law all accounts reporting must be accurate or it has to be deleted. 
XXXX XXXX account XXXX
Consumer complaint received 2020-09-24
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. (GA)

The companies continue to report inaccurate information on my credit report. I notified them twice that they are illegally reporting inaccurate information on my credit report. Im attaching my letters with all the information necessary.
Consumer complaint received 2020-12-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL (CA)

I was shopping on XXXX. At checkout, PayPal offered credit to pay for my purchase with no interest if paid within 6 months. I applied and was given a credit line of {$3400.00}. My credit was ran by PayPal for this credit line to be offered. Upon checkout, I was not able to use the credit line from PayPal. I contacted an agent who said I needed to link my checking account and banking card. I followed the instructions and was still not able to use the credit line. I tried using it at a different vendor, and despite that vendor accepting PayPal credit, I was not able to use it once again. Every agent I speak with gives different answers but there is no resolution. I went to their public forum and there are hundreds of PayPal credit holders who have had the same issue dating back to 2016. I dont understand how PayPal is able to run credit checks for approvals but not allow customers to use any part of the credit line. This bait and switch tactic needs to end.
Consumer complaint received 2021-01-01
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (TX)

Contacted J.P. Morgan Chase Bank Customer Claims Department in XX/XX/XXXX to file a dispute for three separate transactions made in XXXX, XXXX, and XX/XX/XXXX. These transactions were for a trip made to a merchant that was supposed to happen the first week of XX/XX/XXXX. The trip is no longer going to happen on the established dates of XXXX-XXXX, and has yet to be rescheduled, thus, making this an item/service I did not receive. I have requested a refund from the merchant on three separate occasions, and have still yet to receive a refund. Chase initially issued me a temporary credit when I called back in XXXX, then in XXXX they reversed the credit, stating that the dispute is " invalid '', even though I provided them with all of the supporting documentation and evidence they requested of me. The last time I contacted them on XX/XX/XXXX, they recommended I contact XXXX. When I contacted XXXX on the same day, they stated they could only escalate one of the transactions to a claim because 180 days had passed ( XXXX 's dispute policy ) for the other two. At the end of that call XXXX recommended I call Chase back to see if they could do any more on their end! Now had Chase not given me the runaround, letting an entire month go by, maybe this could have been resolved by now. I have been a Chase customer for almost ten years and have had zero issues with my disputes being approved, but now I am planning to move my money in the new year to a new bank that desires to help their customers and take their complaints seriously!
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: Experian Information Solutions Inc. (MA)

On XX/XX/year> my Experian account was fraudulently accessed, Experian 's system allowed a thief to change my email, phone and password associated with my personal account, exposing my credit and personal financial information without my permission. This occurred while my account has a 7-year fraud alert. On being told Experian needed time to investigate, I requested a temporary freeze on my account to prevent further malicious access and potential ability for this thief to remove the credit freeze on my account. After speaking with many representatives and spending many hours, I was told my information could not be protected.
Consumer complaint received 2023-01-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

Bank of America charged my checking account a {$12.00} " convenience fee '' on XX/XX/XXXX without authorization. When I called about it, they told me that to avoid the fee, I would need to have a daily balance over {$1500.00}, or direct deposits totalling over {$250.00} per month. At the time of the charge, I had almost {$2000.00} in the account and it was receiving {$400.00} per month in direct deposits. When asked, the representative was not able to tell me how the daily balance was calculated, if it was an average, median balance, mode balance, or random sample etc. They refused my request for a refund. When I went to a local branch to close the account, they initially said I would need to drive to another location, but eventually let me close the account while talking to a banker there. I then had to stand in line to get my money returned to me. The entire process took over an hour and made needlessly complicated. A week later I was told I was getting a new ATM card from BofA. I called to find out why, only to find that the bank did not close my savings account as requested.
Consumer complaint received 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NJ)

Subject : Dispute and Request to Update Personal Information Dear Sir/Madam, I am writing to dispute and request an update to my personal information in your records. I recently obtained a copy of my credit report and discovered that some of the personal information listed is inaccurate or outdated. I kindly request that you investigate and make the necessary updates to ensure the accuracy and integrity of my credit profile. 

Please find below the specific details of the incorrect or outdated information : 1. Name : My current legal name is XXXX XXXX XXXX, but it is listed incorrectly on my credit report as XXXX XXXX. I request that my name be updated to reflect the correct information. 

2. Address : My current residential address is XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, NJ XXXX, but my credit report shows an outdated address as XXXX XXXX XXXX XXXX XXXX, NJ XXXX. I request that my current address be updated accordingly. 

3. Contact Information : The phone number listed on my credit report I need be updated for this one XXXX. 

4. Born : My birthday is XX/XX/year>. 

I have enclosed copies of supporting documents to verify the accurate information provided above. The documents include : A copy of my driver 's license or passport displaying my correct name. 

Additionally, please provide me with a written confirmation once the updates have been made, and send me an updated copy of my credit report reflecting the changes. 

I appreciate your prompt attention to this matter. Should you require any further information or documentation, please do not hesitate to contact me at XXXX  or via email at XXXX. Thank you for your cooperation. 

Sincerely,
Consumer complaint received 2023-01-24
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: SLM CORPORATION (NJ)

SALLIE MAE BANK, my XXXX report states that I have 5 hard inquiries from you guys. I did not apply for an SALLIE MAE BANK product in the last 3 years. Please send me a letter via mail to the address on my CFPB file addressing XXXX to have those hard inquiries removed please. 
Again, - XXXX wanted me to contact SALLIE MAE BANK - Get XXXX to mail me a letter address XXXX to have those SALLIE MAE BANK hard inquiries deleted, as they were not mine. 
- If possible, please expedite the mail. 
Thank you DATES FROM XXXX CREDIT REPORT FROM SALLIE MAE BANK XXXX. XX/XX/2022 2022
Consumer complaint received 2020-09-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (ND)

Equifax and XXXX  should not be reporting that I am ( XXXX ) days late on the XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) First, all of these accounts report a {$0.00} balance and {$0.00} past due. Second, these accounts are currently being coded as an I5. These accounts should be coded as an I1. I have contacted the bureaus and have spoken to multiple representatives who have verbally stated to me they can not change the coding on these infractions. This is not true. I have spoken to my loan officer, as well as my lender, and it was confirmed that the coding on these items can be changed by the bureaus to report accurate information. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. It is a violation of the Fair Credit Reporting Act to not report accurate coding. This false reporting of lates is seriously harming my credit score and all of these line items need to be removed from my credit report. I have contacted the bureau to remove these however, I have not been successful.
Consumer complaint received 2021-11-26
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A. (FL)

On XX/XX/XXXX I went to one of the Home Depot location in XXXX XXXX XXXX to purchase materials for a fence and patio enclosure project. While checking out, the cashier suggested that I apply for a Home Depot credit card to take advantage of 12 months 0 % interest promotion. I applied, application was approved and I funded the project through the card. Ive made on time payments and was NEVER late. On XX/XX/XXXX I called to payoff my balance in full but was told my balance that was {$2000.00} had increased to {$4200.00} due to backdated interest. 

Ive never in my life heard of such condition when it comes to promotional interest. Like all bank credit cards, I was under the impression at the end of the promotional period Ill be charged on interest on the current balance not on what the balance was before I paid it down. The problem with this is that the cashiers are instructed to push these cards without providing proper explanation to customers ( not their fault ). In banking, When a banker or credit card specialist have a customer apply for a credit card, theyre required to provide the proper disclosures and go over the terms of the card before customer agrees to move forward with the application. Why isnt Home Depot held to the same standard when it comes to their cashiers selling/recommending their credit cards? 

Finally, after many failed attempts in trying to work with Citi/Home Depot to pay off my balance without the ridiculous amount of backdated interest, the card was charged off and sent to collections. I settled the account on XX/XX/XXXX to bring it to 0.