davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-20
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: AMERICAN EXPRESS COMPANY (OK)

XX/XX/23 - This is the first date I disputed a charge of {$10000.00} to Merchant named XXXX XXXX. I sent Amex copies of the Demand Letter sent to XXXX XXXX, copy of Secretary of XXXX filing in Massachusetts reflecting XXXX XXXX entity dissolving from the State of Massachusetts and XXXX XXXX used Massachusetts provisional venue in their contract after they dissolved their company entity from Massachusetts. I also informed Amex that the services were not as described or received as Merchant advertised. XXXX XXXX sent Amex copies of a contract that was signed for another service purchased and was paid for by other means, not by Amex. Merchant sent in screenshots reflecting that I utilized their digital services but these screenshots were for a different service, not the service that was being disputed. I reopened the dispute several times with Amex after this date and Amex continues to this day to use the evidence the merchant sent to justify the charge being disputed. The dates of the contract and the screenshots are dated prior to the charge date listed on my statement. 

I was forced to hire an Attorney regarding the matter with XXXX XXXX and my Attorney has several other clients who have signed with her regarding XXXX XXXX 's deceptive trade practices. Amex has refunded other clients who purchased XXXX XXXX services for the exact same service and amount. This was sent to Amex and I requested Amex to change the dispute reason to : services that were not received and not as described. Amex has refused to reopen the dispute due to the merchant sending in invalid proof to justify the charge, which is a deceptive act. Due to Amex siding with the Merchant instead of their customer, I now have to sue Amex for picking and choosing who they decided to refund in regards to this Merchant and their services. I have documentation that reflects Amex refunding other consumers in regards to the Merchant known as XXXX XXXX, who are being represented by the same Attorney as myself, and Amex refuses to allow this evidence on my behalf. They disregarded my evidence and re-billed this service on my card. 

Amex keeps stating that their investigation reveals that I signed a contract that states no refunds for a service called XXXX XXXX XXXX, which is dated XX/XX/23 and was paid for by a XXXX lender named XXXX. The $ XXXX charge on XX/XX/23 was for a service called XXXX XXXX XXXX, which was falsely advertised and the services that were suppose to be received were not received and not as described. XXXX XXXX only sent a copy of a Stripe receipt for the XXXX  XXXX charge and the receipt indicates that it was not given to the consumer. XXXX XXXX sent in a copy of the earlier contract for another service. Amex is not protecting their customer and is refusing to refund me based on Merchant documentation that does not apply.
Consumer complaint received 2024-01-20
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: DISCOVER BANK (OK)

I am writing this to express serious concerns regarding Discover Card 's payment processing practices, which appear to be designed to generate excessive fees at the expense of cardholders. The American public. 
Specifically, there is evidence suggesting a pattern of delayed withdrawals from consumer accounts, resulting in " returned check charges '' of {$30.00} per transaction. This practice raises several troubling concerns : Financial Hardship : Delaying withdrawals can create a false sense of available funds, leading to inadvertent overdrafts and financial strain for cardholders. 
Inconsistent Withdrawal Periods : The absence of a predictable withdrawal schedule further compounds the issue, making it challenging for consumers to manage their finances accurately. 
Deceptive Fee Reversals : While Discover may reverse these fees upon request, there are reports of them reappearing on subsequent statements, indicating a lack of transparency and potentially deceptive practices. 
These concerns collectively suggest a pattern of behavior that prioritizes fee generation over consumer financial well-being. Such practices are not only harmful to consumers, but also raise questions about Discover 's compliance with ethical business standards and consumer protection regulations. 
I urge you to investigate these matters thoroughly and take appropriate action to protect consumers & the American public from unfair and potentially predatory practices by multibillion dollar multinational corporations. 
Thank you for your time & for all you do.
Consumer complaint received 2018-05-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I have been having issues with Bank of America delaying posting electronic transaction from other institution and also levying overdraft charges to my account while it is still in the positive. 

In that specific instance I had {$350.00} sent to Bank of America on Tuesday XX/XX/XXXX,  which was supposed to be received on Thursday XX/XX/XXXX but yet again was not posted until Friday XX/XX/XXXX. Meanwhile on that Friday I received an email stating that my account is overdrawn. But when I pulled my online transaction history as you may see on the attached screenshot, my account was never in the negative. 

So on Saturday XX/XX/XXXX, I called Bank of America at XXXX XXXX EST, I had to wait 11 minutes to speak to an associate who put me on hold and came back with a scripted response then when asked for his manager XXXX, which I had to hold for 40 minutes to speak with his response ( summary ) it is my responsibility to check that the funds were there. But my question is where is the bank responsibility to post received funds on time? 

Although that I dread about filing this complaint, could the bank please provide adequate response to : Why the online transaction history is not mirroring their claim of insufficient funds? 

Why do the bank have additional processing delay time for electronic funds received from other institutions? 

Why does it take 11 minutes to get to an associate, 57 minutes for the manager to be take the escalated call, and a total of 1 hour and 6 minutes for a simple transaction question call?
Consumer complaint received 2024-04-08
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. (FL)

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-05-19
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (IL)

Experian is prohibiting me from submitting my disputes online and that is my right to do so. This is illegal. I am demanding to have access to submit my disputes online to remove the fraudulent info on my credit report. The following accounts are fraudulent : 1.XXXX - # XXXX 2. XXXX XXXX XXXX XXXX -- # XXXX 3. XXXX XXXX XXXX  -- - # XXXX 4. XXXX XXXX XXXX -- - # XXXX 5. XXXX XXXX -- - # XXXX  and XXXX 6. XXXX XXXX XXXX -- # XXXX 7. XXXX -- # XXXX 8. XXXX XXXX XXXX - # XXXX and # XXXX.
Consumer complaint received 2023-09-25
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Capstone Capital USA, LLC (FL)

I have previously disputed with XXXX, XXXX and XXXX regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.
Consumer complaint received 2024-01-20
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

You said do not include Social Security Number! Capital One has had my account for well over 10 years. I have always paid my charges in full, have an outstanding credit score and multiple Capital One accounts. I was sent a letter they were instructed by the government to verify certain information. I did everything except the TIN and or Social Security number -- which I told them I would not over the phone!! Since there were no changes since they first issued the card I thought that just telling that there were no changes would suffice. The person on the phone was very rude and said if I did not give them my SS # they would close my account -- which they have or as they said they have restricted my account -- I can not use it. 
If I select a file to attach it will have the account number etc, which your instructions are not to send.
Consumer complaint received 2024-04-08
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. (FL)

I am formally requesting this letter to update the following accounts in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act. 
XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-05-19
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Public record information inaccurate
Company: WELLS FARGO & COMPANY (NC)

My wife and I filed for chapter XXXX bankruptcy inXX/XX/XXXX. Included in the bankruptcy was our house. At that same time we also listed the house as a short sale. We brought multiple offers of various price points to the bank however none were accepted. The house was left vacant as of XX/XX/XXXX. We were discharged from the bankruptcy in XX/XX/XXXX. We received a letter in the mail that Wells Fargo obtained an insurance policy on the house. While the house was under the care of Wells Fargo 's insurance policy there was an incident at the residence and Wells Fargo filed a claim, collected insurance money, and fixed the damages on their own, all done with our names still unknowingly on the deed. Wells Fargo continued to keep the deed in our names until XX/XX/XXXX, even though it was included in the bankruptcy back in XXXX. During these past few years, my wife and I have completely rebuilt our financial lives. Our credit scores have rebounded into the 700 's. We have been able to finance cars, secure a rental lease, and open credit accounts, all of which have been handled responsibly. We were informed that we would need to wait two years after our bankruptcy discharge in order to obtain another mortgage. We had put in our time, saved up our down payment, and were pre-qualified for a mortgage. It wasn't until underwriting came that we discovered a XXXX on the account. We were baffled that Wells Fargo waited two years to transfer the deed to the house out of our names. We are devastated by this news. Just as we thought we were fully over the nightmare it seems like it is coming back to haunt us. We should not be held accountable for Wells Fargo dragging their feet. The deed should have been transferred months after the bankruptcy discharge and not years later.
Consumer complaint received 2024-01-20
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. (LA)

Let the company know I was the victim of identity theft and fraud on my account they still keeping unwanted information on my profile against my will and consent I ask for the removal which I'm in the right to do.
Consumer complaint received 2024-01-20
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TransferWise Ltd (CA)

WISE offers interest bearing accounts in partnership with XXXX XXXX XXXX. It is refusing to pay me interest on my account because it claims that it can not verify my SSN. However, I am a US Citizen with a valid SSN, and I provided my SSN to WISE.
Consumer complaint received 2024-01-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NJ)

The account was open on XX/XX/year> with the amount of XXXX. I was not the one who open the account or used the credit line. I see a payment was paid but i never had made a payment on it any payment on it was not that of my own bank account.
Consumer complaint received 2023-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

TransUnion File Number : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX : XXXX Please remove the following inaccurate non working telephone numbers. 
XXXX XXXX XXXX XXXX XXXX Please remove the duplicate reporting addresses that do not have the correct apartment number. The apartment number should report XXXX, not XXXX. See attached copy of my credit report. Please mail an updated copy of my credit report verifying the disputed information has been removed, not a letter stating the disputed information is no longer reporting as a consumer can not identify what is not reporting. 


Thank you XXXX XXXX XXXX
Consumer complaint received 2024-01-20
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. (MS)

My information was sold and bought illegally because I was a victim of the Equifax XXXX. I want these items Deleted from my credit reports effective immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of the data breach and Equifax has done nothing. Please help me delete these illegal accounts from my credit reports. 

XXXX XXXX Open XX/XX/15 XXXX XXXX XXXX XXXX XXXX XXXX XXXX Sincerly XXXX XXXX
Consumer complaint received 2022-11-20
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: Sequoia Financial Services (NV)

I do not have any accounts with this company, I have asked that it be removed and its still present 15 U.S. Code 1681i - Procedure in case of disputed accuracy do they have right of assignment? there is no full account number, how is this listed with no account number? when was last activity of the acount? 
Why is it not reporting accurately across all bureaus? Statue of limitations? Not my account Please update and remove and suppress this innacurate account 15 usc 1681a ( 2 ) ( a ) ( i ) 15 usc 1666b 15 usc 1681 i a 1 15 usc 1681 i 5 15 usc 1681 B 15 usc 1681 i ( 7 ) Read A and 2 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX- summary XXXX XXXX XXXX Account Number XXXX Original Lender XXXX XXXX XXXX XXXX XXXX Name XXXX XXXX XXXX Date Assigned XXXX XXXX, XXXX  Original Balance {$210.00} Current Balance {$330.00} Responsibility Individual Status Collection account Comments Placed for collection
Consumer complaint received 2023-06-22
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. (FL)

I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.
Consumer complaint received 2023-10-23
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. (FL)

Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Consumer complaint received 2023-05-09
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: EQUIFAX, INC. (LA)

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 XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-01-20
Product: Vehicle loan or lease — Loan
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: CarMax, Inc. (TX)

I have still not received any of my personal belongs from when Carmax repoed my car. I also would like for Carmax to stop harassing me at all hours of the day and even weekends trying to call me and leaving the same voicemail. Its getting annoying and honestly inconsiderate in the fact they sold me a car knowing very well that there was no engine immobilizer as well as I have a real heavy gut instinct that someone was sent by Carmax to break into my car and tried stealing the car. And then when not able to they come and repo it. I wont pay for a car that XXXX. Has a high rate of being stolen. XXXX. Lied to about being a top rated car. XXXX. Non stop harassment at literally every hour 7 days a week over the phone.
Consumer complaint received 2024-01-20
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE (TX)

we ( my XXXX  and i ) bought a time share with many pages of contract. part of the pages of the contract was the application for a new credit card. 

When the card arrived i shelved it for a week before i called to " ACTIVATE '' the card. Then several days later when i tried to use the card it was " denied ''. When we checked online why the card was denied we found out that it had a {$14000.00} charge already applied to it. 

We then denied the charge and was told that the charge was applied as the account number and the security code were present when applied. 

My question is this " is it customary to apply charges on a card before it is " ACTIVATED '' what if i never called to activate it who pays for a unacceptable funds that accumulated from it's existance?
Consumer complaint received 2024-01-20
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Americas Car-Mart, Inc. (MO)

Americas car mart continues to call more than 3 times a day, leaving multiple messages. Notes were given that I could not make it in due to work. And calls continue. 

The main collector at the XXXX location XXXX, is rude and spiteful, sometimes laughing at others misfortunes. She has repeatedly stated she does not care how many times she calls per day.
Consumer complaint received 2024-01-20
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: OneMain Finance Corporation (KS)

One main financial. Told me if I bought the insurance on the loan. That would help in getting the loan. Its been a while like XXXX. My acount is closed with them. I borrowed money 2 times at least and had to buy the accidental death insurance both times. They did make it seam like I had to buy it to get the loan. I seen they were being sued about this very thing. I live in XXXX kansas the branch is delt with is. On XXXX XXXX here ..went through a divorce. XXXX tried to get them to negotiate a new payment. They Absouloutly refused and would even take off insurance to even help me ..so I defaulted on loan. I offered to pay have the bill. Every month. They would not budge. ..years later the 1099 me for what I owed. And wrote it off like a settlement never heard of that before. XXXX XXXX