davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-09
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings (SC)

On XX/XX/year>XXXX  IQ Data International called to demand {$2800.00} for terminating a lease agreement with The XXXX at XXXX. I tried to explain this was a mistake and had already been resolved with the apartment complex. The agents refused to listen and began demanding payment and if I refused they would report the collection to credit bureaus. I asked if I could provide documentation showing the matter was resolved and they ignored my request and continued to demand payment. They would not allow me to end the call because they said I had to make payment before ending the call or else Id be reported to the credit bureaus. I tried asking for more information but they demanded that I provide a card to process payment. I eventually hung up and the company called my husband and began demanding payment. They continued to refuse to provide details about the debt supposedly owed or provide dates for which they were saying we owed rent. My husband asked if he could send in documents from the court showing there was no debt and also a letter from the property manager but the agents refused to provide an email or mailing address. We asked for a supervisor and we were transferred but he also demanded payment without providing any additional information.
Consumer complaint received 2024-10-05
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: HUNTINGTON NATIONAL BANK, THE (PA)

I opened a Huntington XXXX XXXX Checking account on XX/XX/XXXX using the bank 's website, https : //www.huntington.com/business-banking-promotions-offers, which indicated I would be enrolled in a promotion. Images of the current website and the text of the terms of the promotion at the time I applied are attached. 

After satisfying the requirements for the {$1000.00} bonus, on XX/XX/XXXX I contacted the bank via their chat service to understand why I had not yet received the bonus. A transcript of that chat is attached. The result of the chat was the representative declaring that the promotional code was not attached to my application. She agreed that it should have been since I followed the instructions on the website and received notice that the promo code had been applied. She agreed to file an internal complaint, number XXXX. 

From XX/XX/XXXX to XX/XX/XXXX, a few phone calls and voice messages were exchanged with a different representative. The result of these exchanges were the representative claiming that I was not eligible for the promotion because the SSN used to open this sole proprietorship was also used to open a personal account that was eligible for a different bonus. She pointed to the following clause int he terms : " Huntington reserves the right to limit an individual business owner with multiple businesses to one account-related gift incentive per rolling 12-month period across all deposit account relationships. '' I disagree that this clause would apply to me because I am NOT " an individual business owner with multiple businesses ''. Further, the phrase " social security number '' does not appear anywhere in the terms. 

For the entirety of the requirement period ( over 90 days ) I was led to believe that everything was in order for me to receive the bonus. I was never notified otherwise and the website informed me that the promotional code had been applied at the time of the application. Therefor, I willingly let this bank hold a significant amount of money for my business as a zero interest rate.
Consumer complaint received 2024-10-14
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: SANTANDER HOLDINGS USA, INC. (IL)

I purchased a car from XXXX XXXX  in 2017, loan was originally with Gateway One Lending and Financial.

Gateway One was bought out by Santander, so my loan was moved to Santander. 

I paid off the loan, and now when trying to remove Gateway One as a lienholder on the car title, I'm being denied because Illinois DMV wants me to prove the 'link between the two financial institutions. ' I have called Santander Consumer USA on several occasions, and am always eventually hung up on. It's the only means of contacting them. 

Without this document that only Santander can provide, I can not get my car title.
Consumer complaint received 2024-08-23
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: AMERICAN EXPRESS COMPANY (WI)

Was not receiving my Am Ex bill from local PO, which has been another problem in itself. Called AM Ex XX/XX/XXXX - was told I would be billed minus extra fees and charges. Charges totaled {$99.00} w/o fees. Received the bill, plus fees and charges for {$290.00}. on XXXX - called again on that date, and told again I would receive a bill for actual fees only by XX/XX/XXXX. Today is XX/XX/XXXX and I have not received a bill, and can not reach the company : they hang up on you now after you input your info using the keypad, same is you follow voice cues. I find this is a new thing companies are doing now - just hang up after asking for manual or voice inputs. Essentially, can't get ahold of companies now. Nice! 

Anything you can do to expedite this problem I would very much appreciate. This has RUINED MY stellar CREDIT rating. 

Thank you for any help you can provide. 
XXXX XXXX
Consumer complaint received 2024-08-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Experian Information Solutions Inc. (CA)

I've applied for two separate refi mortgages in the past year. Both times, after the company I am working with runs my credit, I am bombarded by phone calls ( over 100 ) from other mortgage companies with high pressure salesmen trying to get me to use them instead. I can not see how it is legal or fair for credit bureaus to share with other lenders that my credit has been pulled for a mortgage inquiry. This should be changed and the practice should be stopped immediately. 

I also do not know which agencies are doing this, as I as the consumer do not know which company the lender is using.
Consumer complaint received 2023-11-21
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (NJ)

I neither initiated nor authorized the opening of these accounts, and it has no association with me. I suspect that my personal information was compromised, leading to the unauthorized establishment of these accounts. To support my dispute, I am furnishing the subsequent information. I kindly request that you embark upon a comprehensive investigation into this matter, expunge the fraudulent account from my credit report, and furnish me with a corrected credit report upon the conclusion of your investigation. Furthermore, I seek your assistance in placing an extended fraud alert on my credit file to avert any future unauthorized activities. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX I kindly request that you furnish a written acknowledgment of the receipt of this dispute letter and keep me apprised of the measures taken to address this issue. While I understand that resolving identity theft disputes may necessitate some time, I implore you to expedite the process to mitigate any adverse impact on my financial stability
Consumer complaint received 2024-10-18
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Bureau Systems, Inc., Paducah, KY Branch (IN)

I SENT CEASE AND DESIST ORDERS TO CREDIT BUREAU SYSTEMS IN XXXX AND XXXX KENTUCKY. I ASKED THEM TO VALIDATE THE DEBT. I ASKED THEM TO PROVE THEY HAVE MY AUTHORIZATION TO ATTEMPT TO COLLECT ANY DEBT FROM XXXX XXXX. THEY SENT DETAILED BILL PAGES FROM XXXX XXXX ONLY. THIS IS A HIPPA VIOLATION BECAUSE THE BILLING SHOWS LINE BY LINE OF MY SERVICES RENDERED TO ME. THEY HAVE NO AUTHORITY BY ME TO HAVE HIPPA INFORMATION OF MY PRIVATE MEDICAL SERVICES.
Consumer complaint received 2024-10-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (WY)

On XX/XX/XXXX my checking and savings acct with Wells Fargo were hacked. It started with a text from Wells Fargos line that I had received previous acct alerts on like low balance, saying there has been fraud flagged on your acct did you make this transaction with force insurance for {$1700.00} if yes reply yes and the transaction will be allowed if no reply no and it will be blocked and fraud will call you. I replied no and the fraud or who I thought was the fraud department called me. The person who called said their name said they were with Wells Fargo fraud department in a recorded and monitored line asked who they had the pleasure of speaking with and I told them. They asked how they could help today. I told them the message I had received. They said ok your going to get a 6 digit code to authenticate me coming to my phone and to please let them know when I received the code and provide that code. I did. The person asked me to look at each one of my accts and verify no other transactions were unauthorized. I did that and relied saying nothing else looked fraudulent. She said that a freeze would be placed on our acct so no other money could be taken at this time. I asked how we would be able to use the money as we needed to have access she said she would set it up with XXXX XXXX for a temporary card until our new physical cards arrived in the mail. She never asked for acct numbers, social, phone numbers, XXXX XXXX  or anything. She asked me to removed the old card from my wallet app so I did. Again didnt give her any information passwords or otherwise. From there she told me that she was going to put me on a hold while she worked on freezing the acct, setting up a temporary card and sending me an email summarizing all that happened with a claim number. After a while on hold the call dropped. I checked my accts and all the money was gone and not on my apple wallet. I immediately called Wells Fargo fraud using the number in the app and told them what had happened. They created a claim with escalations and fraud department. Then I called XXXX to find out how this could happen as by this point my phone no longer worked once the call dropped. They said she likely had hacked the Wells Fargo app and was screen sharing on my phone unauthorized and was able to see when I put in my XXXX XXXX  password to remove my card from the wallet. I told them I gave her no information and they said I wouldnt have had to if she had already hacked the app and then screen shared without me know. So I didnt approve or give any information away. Wells Fargo called me today XX/XX/XXXX to tell me my claim was denied because I shouldnt have had my debit card on my apple wallet even though Wells Fargo has to approve it when you add it to the apple wallet. They also said the transaction show they were completed from my number which I told them I didnt do that this lady had hacked the app because I didnt move any money. And they still said it was denied.
Consumer complaint received 2024-10-18
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Aldous & Associates, PLLC (TX)

This debt collector has done unjustifiable practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. they didn't follow the proper 5-step validation procedure. According to the FDCPA, Im entitled to compensation for these violations and clearly, they violated my rights and abused my privileges. I demand this account be taken off immediately.
Consumer complaint received 2019-08-07
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: JPMORGAN CHASE & CO. (VA)

My complaint is against Chase Bank and their credit card service. They did not provide me with a valid reason for rejection of my dispute on a transaction. 

I made a purchase with a company and they charged me the wrong amount. I contacted the company and they were unwilling to credit the difference. 

I filed a dispute with Chase and was told that if I did not have a receipt showing the amount that I was supposed to be charged, then I was liable. 

This payment was placed by phone and I never signed or agreed to any documentation to support what I was charged. The merchant responded to my dispute by sending a contract that is signed by the seller but the signature line for the buyer is blank. For some reason Chase took this contract WITHOUT a signature as proof of it being a valid charge. 

I escalated the dispute up the Chase Executive office and was again denied. I was contacted by a XXXX XXXX at XXXX XXXX. She repeated the same as the dispute department that I needed a receipt as proof of what I should have been charged. I asked her that if anyone wanted to be deceitful, they are not going to give any paperwork. 

I also asked her that if this person would have charged me {$20000.00} then agreed, that I would be liable? She stated that yes, I would be. 

I asked her if she could send me Visa rules or even Chase rules stating such. She refused and then said she would but never did. I called her two different times requesting this information and she never returned by call. 

If this is the rule for credit cards and the general public knew, that would be an end to all credit card use. Who would make a purchase by phone or internet knowing they are liable to whatever amount the merchant charges? 

Thank you for any assistance on this matter. I didnt realize until now that I had an option to file a complaint about my bank. 

I have all paperwork and letters from Chase about this dispute.
Consumer complaint received 2024-10-18
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Metro Collection Service Inc. (CO)

Metro Collections Services stole money in a money extortion scheme for XXXX  XXXX  XXXX. They tried and successfully collected on an invalid and illegal debt ( over {$500.00} which is a felony ), as I was not provided the proof of debt that was required to satisfy their claims that I had owed them. After not providing this, Metro Collection Services reports the debt anyways illegally on XXXX. I was in the process of buying a home and they also caused damage with that process due to the illegal debt reported. Metro Collections Services is not a valid debt collection agency and does not have the required licenses to operate, in fact their license was Revoked by the State of Colorado, and they created a new LLC to skirt around the Law.
Consumer complaint received 2024-10-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PENTAGON FEDERAL CREDIT UNION (TX)

On XX/XX/year> I received an email stating that {$100.00} was transferred from my checking to a credit card that I have asked for over 2 months to close. I was told by an online agent on multiple occasions that the card would be closed but the balance is still due. Understood. The card was never closed and instead Penfed processed a payment towards that account today. I am not sure how they are allowed to transfer my money or authorize transfers without my permission. As time goes on I realize Penfed is not for XXXX at all. I am 100 % XXXX and asked for hardship and denied even after submitting medical records, stating " must show loss of income '', as if papers showing me XXXX  consistently doesn't do that? And now they take what little money I have and transfer it to an account that I asked to close. I want nothing more to do with this institution. Transferring funds without authorization is literally stealing. Disgusted.
Consumer complaint received 2024-10-19
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Opportunity Financial, LLC (LA)

Account # XXXX Ive disputed this debt on many occasions with this company, in XX/XX/XXXX, XXXX, XXXX, XX/XX/XXXX, and XX/XX/XXXX. Ive informed the company to remove/delete this debt from my credit report, due to being affected by a XXXX XXXX XXXX XXXX. This debt is impacting my ability to rebuild, and Im and experiencing financial difficulties and hardship. 
This debt is reflecting a balance of {$1900.00}, but has been sold. The balance should be {$0.00}. 

I am also a victim of fraud and have reported my case to The Internet Crime Complaint Center where my bank accounts was compromised. My personal information such as my ssn, is involved in several data breaches and on the dark web. 

I wish for this debt to be removed from my credit reports, due to to inaccuracy and potential fraud.
Consumer complaint received 2024-10-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (AL)

On XX/XX/XXXX at XXXX XXXX  I used Wells Fargo ATM XXXX to deposit {$1000.00} into my Wells Fargo account. I verified it was received and deposited into my account XXXX times and finished my transaction before leaving. When I returned home so that I could pay rent approximately XXXX minutes later. I discovered {$1000.00} had been withdrawn from the same ATM XXXX using my debit card. I did not make a withdrawal and I still had my card in my possession so I was very confused as to where my money went. I immediately returned to the bank to talk to someone ( 30 minutes after my deposit ). The bank teller I spoke to told me there was nothing they could do on their end and an internal complaint/ dispute had to be made. The bank teller called their customer service line which then a claim was made with customer service and my card closed all within 40 minutes of my deposit transaction. Customer service stated they would review camera footage and the investigation would take up to 10 days. I was not given any credits to my missing money and told to just be patient. I was unable to pay rent therefore I received {$220.00} worth of late fees on top of the already missing {$1000.00}. The very next day XX/XX/XXXX the withdrawal transaction was authorized through the bank. On XX/XX/XXXX I received a notification that the investigation was concluded and they found no error made on my debit card so I would not be receiving my money back. I was not physically at the ATM when the money was withdrawn so Im not understanding how they concluded no fraud or error took place. I have my digital and paper receipt from the only transaction I made which was a single deposit which is also time stamped. I did not receive a notification or receipt for the withdrawal that I did not complete or authorize. I have already received a new debit card in the mail, however I have still yet to receive the results from the investigation.
Consumer complaint received 2023-11-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I'm sending this complaint to request credit inquiries that were unauthorized to be removed from my credit report. I received a copy of my credit report and became aware of inquiries that I did not authorize. They are as follows. 

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: JPMORGAN CHASE & CO. (MA)

i entered into a mortgage with XXXX XXXX XXXX XXXX program and this was an amazing experience - everything was working correctly with my regular mortgage ( principal + interest ) payment and PMI being auto deducted every month with explicit direction that home insurance and property taxes are not required to be handled via escrow and that was preferable JPMC then assumed this mortgage and has messed up my monthly payment about 6 times since they assumed the loan less than a year ago initially they assessed the entire XXXX  building 's property tax to my escrow account and even after XXXX in person meetings in the branch and countless hours wasted on the phone Chase is XXXX refusing to honor the original terms of the mortgage i signed and is assessing property taxes to be paid via escrow even though I am paying these myself directly with the XXXX XXXX XXXX and have explicitly told JPMC several times they are not authorized to do this on my behalf because it is not a requirement of my mortgage and i declined the " convenience offer ''
Consumer complaint received 2024-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my Gmail emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TD BANK US HOLDING COMPANY (MO)

My payments are due on the XXXX of every month. I made my XXXX payment on the XXXX of XXXX. They reported me as 30 days late. I called TD Back ( Yard Card ) and the agent said that it had been 30 days since I made my last payment. I asked her if my 30 days started after the XXXX and she said no. I asked why would they have a payment date if they didnt honor the date. I would like for TD Bank to report me correctly and not 30 days late
Consumer complaint received 2024-10-14
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (CO)

Was told terms were XXXX  months. When card arrived it was only XXXX  months. I fought this and won. However, they started the due date XXXX months before the installation of the product I bought and XXXX months before they even sent me an invoice. Additionally they never sent me a card so I did not have the account number and basically hog tied until they finally just sent me a card today.