davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-31
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: WELLS FARGO & COMPANY (PA)

On Monday, XX/XX/XXXX, I noticed 2 transactions on my Wells Fargo CC totaling {$5000.00} as well as 2 fees for usage dated XX/XX/XXXX. These were to an online company. This is a company I have used in the past with no issue and have typically paid off my CC balance shortly thereafter. 

the date is question was not my using my credit card. My CC has been linked to my XXXX XXXX and linked to said merchant. The app is also on the phone. During the time at which this occurred, I did NOT have the devise in my possession which also contained, within the app, my login credentials that were saved. 

I immediately called WF and disputed the transactions as fraud I explained that I was not in possession of my devise containing my information and my card. They filed the claim. 

On the XXXX, I saw the charges reappear. I called and, after speaking to 3 different individuals, received no satisfaction. I was told that due to my previously using said merchant, I was deigned. I kept trying to explain the same thing I initially did to the fraud person I spoke to that, yes, I have used this company before. They kept asking me if I had my physical card, was it a chip card, etc. I said I did have all those things but that is not how one would access this app. Then they wanted to submit this to XXXX as buyer 's remorse... ..this is fraud. They refuse to listen to me and, even after I said that is in violation of the reg to deny me based soley off previous transactions, I was pushed off. They are sending it back to fraud per my instruction where it will be declined again. While this may not be a large amount for them, it is for me.
Consumer complaint received 2024-05-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX  and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.
Consumer complaint received 2024-08-16
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Atlanticus Services Corporation (SC)

I made a {$600.00} payment on my XXXX credit card and was told I could use the card with new credit Then a second agent told me I couldnt that the account was closed so I demanded my {$600.00} payment refunded and was told that they would take out minimum payment of {$95.00} and send me a check for {$500.00} XX/XX/year> Then when I called today XX/XX/year> a supervisor told me that they took out a different minimum payment of $ XXXX and would not refund my payment even though I told them repeatedly that I cancelled the {$600.00} payment I have been having extreme medical hardship, tests and surgeries and am on XXXX XXXX agents including the supervisor lied to me and refused to cooperate XXXX XXXX XXXX www.aspire.com I want my {$600.00} payment refunded Because I cancelled it after being lied to by XXXX agents
Consumer complaint received 2024-05-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I am owed {$3500.00} USD from a XXXX XXXX XXXX in XXXX. She completed a XXXX XXXX XXXX Transfer to my American checking account ( Bank of America ) on XX/XX/year>. XXXX XXXX  says the transaction was completed, but Bank of America claims they never received the funds. At this point, I have reached out to XXXX XXXX  and they won't provide further information. The sender claims she has filed a claim with XXXX XXXX  wire department too. The reference number for the wire transaction is XXXX. I have provided this reference number to XXXX XXXX XXXXXXXX several times, but they are unwilling to pursue a claim since I am not a XXXX XXXX Customer. I have reached out to Bank of America and they have told me that the ball is in XXXX XXXXXXXXXXXX XXXX  court and they can't do anything about it. I can only take the sender for her word, but I have no clue if a claim was ever really filed or whether an actual investigation is currently being conducted as both the sender and the sender 's bank ( XXXXXXXX XXXX  XXXX ) are not being cooperative. I urgently need these funds. Can you assist with getting both parties to look into this. 

Regards, XXXX
Consumer complaint received 2024-05-29
Product: Credit card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: SYNCHRONY FINANCIAL (CA)

My father ( credit card account holder ) passed away, and I am the executor of his estate. I notified the company ( Synchrony Bank ) of his passing on XX/XX/2024 ( two days after he died ), and asked for the final bill so that it could be paid from his estate. I was also told the account would no longer be active and would not be delinquent. 

After the final bill was not received, I again called Synchrony Bank on XX/XX/2024 and was told the final bill would be sent to my father 's address in 7-10 business days. Since no final bill was received, I called Synchrony Bank yet a third time on XX/XX/2024, to obtain the final bill, and was told the account was sent to collections. Synchrony Bank would not explain why the account was sent to collections after my notification of my dad 's passing, and despite my multiple calls seeking the final bill for payment - including that my prior call was about XXXX months ago. When I asked to be transferred to a supervisor, I was placed on hold for a long time and then Synchrony Bank hung up the call. Synchrony Bank refuses to assist me, and the collection company ( XXXX XXXX ) will not speak to me without me giving my personal information, which I refuse to do.
Consumer complaint received 2024-05-29
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Blackhawk Network Holdings Inc. (OH)

I bought a visa gift card from XXXX for XXXX dollars. I recently tried to use the card, but saw that the balance on the card was XXXX. I called the gift card company and they stated that multiple charges were made to stores like XXXX. I tried to dispute the charges, but the gift card company stated that as its been more than 60 days nothing can be done on their end. The transactions were never reported on the website where I can check and see transactions. I reached out to XXXX and they stated they can not do anything unless I give records of the card 's use. I called back the gift card company and all they could tell me ( as they said its for security purposes ) is that on XX/XX/year> two charges were made to XXXX for XXXX and XXXX dollars. I tried to relay this to XXXX but the representative stated they would not make a formal form and I need to call the local police department. I called and they said it may not be enough in order to file a report. The gift card company is blackhawk network. Also a XXXX dollar charge was made on XX/XX/year> to XXXX
Consumer complaint received 2024-05-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Sequoia Financial Services (AZ)

Between XX/XX/year> and XX/XX/year>, a new account in collections was added to my report. The collection agency is SEQUOIA XXXX XXXX. The original creditor was XXXX XXXX XXXX
Consumer complaint received 2024-05-28
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I invested in my XXXX XXXX XXXX XXXX XXXX  and when it's time to withdraw they are blocking my account they asked for documents to be sent in to unblock my account and I've complied with all their request and sent all the documents and they are saying my account can't be unlocked I'm missing trades I lost access to my funds etc please assist me with XXXX and unblocking my account
Consumer complaint received 2024-05-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Professional Recovery Management (OH)

XX/XX/XXXX the XXXX XXXX XXXX XXXX posted my social security card XXXX and everybody seen since then someone put a XXXX in my name that I didnt purchase I want this disputed and off my credit report
Consumer complaint received 2024-05-27
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. (TX)

The login/account I have for Experian has the name of another individual on the credit report. I think my profile merged with another customer, but after numerous attempts, they will not delete my login. 

I want the login deleted, so I can create a new profile and view my information and not the information of another customer.
Consumer complaint received 2024-05-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-05-26
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: OneMain Finance Corporation (TX)

I am writing to dispute a charges of {$1200.00} to my credit card number ending in # XXXX. The statement is in error According to 15 USC 1666d and is showing a positive balance. 
I am requesting that the error be corrected, that any finance or other charges related to the disputed amount be credited to my account, and that I get an accurate statement.
Consumer complaint received 2024-05-24
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (NY)

In XXXXXXXX XXXX I filed a bankruptcy with one entity on the application It was made clear on the application that any entity not listed on the application would not be a part of the application. Thus it would be necessary to pay all other creditors not listed, I tried to pay my account with JP Morgan Chase ending in XXXX. Only to be told that they are refusing payment because of the application, that the account was being Charged Off and I didn't have to pay and they refused to accept payment for the account that was XXXX percent on time and not in arrears. I tried repeatedly to find someone to accept payment but was turned down, they then closed the account, falsely reporting it to credit bureaus as deliquescent which is not true. There was as NO reason to close the account, because I offered to pay outside of the application. This false reporting has caused plenty of damage. All conversations with them are recorded and I wish a correction to all credit bureaus asap.
Consumer complaint received 2023-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

If you feel there is a possibility these items belong to me I will require all documentation that bears my signature. If you do not provide any records & claim the items is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-23
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. (CA)

I pay XXXX XXXX  monthly to Experian for a premium service. In XXXX XXXX I was alerted a change in my XXXX score went from XXXX to XXXX. An account not belonging to or opened by me had gone to collections. Part of the service is Experian alerts me if any changes, new accounts, personal information on the XXXX XXXX banking activity, car loans, and credit card activities show up on my credit monitoring. Nothing new I hadnt known about. One day an alert tells me my SSN is compromised on the XXXX XXXX. A few days later Im alerted about an account Id never heard of was in collections. Theyre supposed to notify me of any new accounts opening. They didnt because it never was on my credit report, for good reason. They deleted it from my credit report within days. Evidently someone used my SSN and my ex- wifes email to open it. 
In XX/XX/2024 the same exact thing. Same creditor, same XXXX XXXX XXXX amount, but a different collection agency was bringing my scores down. Which never went back up completely. I explained to them this is the same thing that happened 6 weeks ago. They said theyd investigate. Every 4 days Id get an alert saying your case has been updated. I log on but nothing is changed. Another call to a Fraud Specialist who tells me they have 30 days to respond. In other words there has been no investigation into this, even though it just happened 6 weeks before. Every 4 days its Dejevu speaking to a Specialist. It has been 30 days or it sure seems so. I have to do this with all three Credit bureaus Respectfully XXXX XXXX.
Consumer complaint received 2024-05-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION (CO)

So due to XXXX  XXXX by my ex-husband and a series of events, I was given up for permanent protection order in XXXX and I was also given a new XXXX XXXX number in XXXX so he can not stalk me intimidate me kill me and I opened up a checking account at Navy Federal credit Union over XXXX years ago I applied for a credit card on Thursday was approved on Thursday, XXXX XXXX and I was not able to get into my account. There has been no emails no communication from them whatsoever. I called on Saturday. They said that my money has been frozen and theyre not giving it back. I called on Monday and spoke to someone in security fraud. They told me that my account was closed due to fraud. I asked if I could send my XXXX XXXX number in or get that verified and she said no she would not take my card because it can fraudulent. I asked her how long it will take once I have the paperwork in and she said there is no timeframe. It could be 30 days have to give me any information. I asked if they were going to keep my money and she told me that as of right now yes. I understand needing to be due diligent due to the way the world is right now, but for somebody that has had XXXX XXXXXXXX against them and had to go to this extreme to keep myself and XXXX XXXX  safe and alive and this is what I get XXXX years as a customer theyre deeming my account fraud because after XXXX years, they now decide to verify my social and when I ask them if I can send a copy for verification, they told me no.
Consumer complaint received 2024-05-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (AL)

On XXXX i filed a complaint with CFPB company responded XX/XX/2023 ( XXXX XXXX XXXXXXXX ) Agreed to remove accounts from credit reports. Never Removed as agreement. Major Under FCRA Violations.
Consumer complaint received 2024-05-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: NRA Group, LLC (TX)

XXXX XXXX XXXX XXXX XXXX XX/XX/1999 National Recovery NRA number XXXX XXXX XXXX To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report. 
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. 
I respectfully request to be provided proof of this alleged item, specifically The original contract that was signed by me for this account Payoff disclosure Interest rate disclosure Balance history Payment history Credit insurance Failing that, the item must be deleted from the report as soon as possible. The listed item is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes. 
Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber. 
Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re- investigation.
Consumer complaint received 2024-05-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there is still account that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate this account ( A ). I hope these disputed accounts are updated. XXXX XXXX XXXX XXXX : {$170.00}
Consumer complaint received 2024-07-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (WI)

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been well over 30 days and you are in VIOLATION of this law because I am the victim of identity theft. Please delete these items IMMEDIATELY. 
These accounts should not be furnished on my consumer report as they are in VIOLATION. Under, 15 U.S. Code 1681b- Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
Consumer complaint received 2024-05-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IN)

I am now requesting proof of the previous investigation. I am asking that you send your method of investigation, along with all records of you spoke with, their business address, name, and phone number as well as documentation that proves this account was late. if you can't provide me with this information in 15 days update the account to PAID/NEVER Late and send me a copy of my updated credit report.