davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-06
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (NV)

On XX/XX/2021, I became a victim of identity theft. At the time of this incident, I only had two accounts opened with the bank : my checking and my savings account. Nobody but myself had access to my password or username and I was confident enough to trust the bank to notify me when suspicious activity happened. Unfortunately, I was not alerted when multiple fraudulent accounts were opened. On the afternoon of XX/XX/2021 I checked my online banking account and I quickly noticed that XXXX XXXX dollars were missing from my savings account. I called the bank to see what was going on as it was after hours and I was not able to go into a branch. As I was on the phone with a representative, I was informed that there had been XXXX different accounts opened from XX/XX/XXXX to XX/XX/XXXX, none of these accounts were authorized and I was not notified of these accounts being opened. One of the accounts, in particular, was being used and had a debit card linked to it, they would transfer money from my actual savings account into it and would withdraw the money at different ATMs in a different state from where I reside. The first transfer happened on XX/XX/2021, they transferred XXXX XXXX dollars and withdrew it at two different ATMs on the same day, the same processes happened on XXXX XXXX, and XXXX. XXXX of dollars were being withdrawn outside of the state in which I live and I was not notified of any of this activity happening. I submitted a claim on the phone and was told that it would take about XXXX weeks to get a response. On XXXX XXXX I received a letter in the mail regarding my claim, In that letter the bank stated that they would not refund my money because the accounts were opened using my username and password. I went into a branch the following day to speak to a representative in person, I got copies of all the fraudulent accounts opened and noticed that my home address had been changed to one outside of the state and my email address had also been changed. I asked the bank multiple times to review my claim again because I was not happy with the results but was always told that because my claim had already been declined and closed, they would not reopen it. I dont think it's fair to have my hard-earned money stolen and have the bank not do anything about it, I am in desperate need of help as I seem to not be getting anywhere by myself.
Consumer complaint received 2024-01-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (MI)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-01-06
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: WELLS FARGO & COMPANY (IN)

I reached out to the company and asked if I can speak to the guy that sold the car to me come to find out the guy was fired because of fraudulent which what happened was I was not supposed to be the owner of that car so whatever information he sent to me was not the information that I was supposed to get which meaning the information that was supposed to give to me was only supposed to be me being a co-signer but with that being said everything was done over the phone and it was something that he did to release that car and I try and reach out they said that they fired him so I feel like I am not responsible for this car they had already came and got the car I reached out to them for them to come and get the car they sold that car far however much they want to sell it for and now they put it back on my credit so I've been trying to dispute this off my credit because I am not responsible for this and I've been disputing this for the last couple years can you please dispute this off my credit thank you
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-03-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CO)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section XXXX ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-03-26
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. (IL)

I strongly urge you to address and rectify the unauthorized accounts that have surfaced on my credit report. Despite my lack of association with these entries, they are adversely affecting my creditworthiness. I request their prompt removal and measures to prevent similar errors in the future.
Consumer complaint received 2024-01-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: General Motors Financial Company, Inc. (TX)

This is a formal complaint that GM FINANCIAL have reported inaccurate and incomplete credit information to the credit bureaus. 

Federal laws require furnishers of information to report accurate credit information to the credit bureaus and in this case, GM FINANCIAL have failed to do so. Every step must be taken to assure the information reported is completely accurate and correct. I disputed the following information over XXXX  days ago and you have not yet responded : Re : Acct # XXXX Make of car : XXXX  Model : XXXX XXXX XXXX XXXX XXXX This inaccurate information must be deleted from my credit file immediately. Please contact the credit agencies you have reported it to and remove this misleading information from my credit profile.

Under federal law, you must complete your re-investigation in a timely manner. 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 XXXX ( XXXX ) days of the completion of your investigation. 

I have attached my original letter, documents and USPS tracking #
Consumer complaint received 2024-01-06
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

We have XXXX promotional purchases Bank of America XXXX XXXX. We transferred balances to those cards. We were told on XX/XX/XXXX that we should send in {$1600.00}. to pay off the monthly charges and the rest would pay off the promotional amount. Please know that we have used XXXX XXXX, XXXX XXXX, XXXX XXXX to pay promotional purchases. 

Our send account was larger and we had saved {$8000.00} to pay it off in XX/XX/XXXX. We called B of A a second time same day. Another representative told us an entirely different story that no matter how much we paid the promotional purchase would only receive the minimum due and the rest of the paymentwould pay off other purchases currently at a much higher interest rate. This contradiction produced a phone call to their manager who did not call us back.

This is to us a bait and switch. No other promotional purchase from any company or bank has ever applied money FIRST to the monthly balance due and SECOND to the promotional purchase. It is a clever but unfair. Similar to no surprise billing from hospitals which prevented this type of practices, the B of A policy covertly allows the bank to gain huge amounts of interest ( in our case {$4200.00} ) when the promotional purchase comes due and PREVENTS us from satisfying our original intent. It is deceptive and unfair.
Consumer complaint received 2024-03-26
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: Experian Information Solutions Inc. (VA)

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 2024-01-06
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Onity Group Inc. (FL)

In Good Faith, it is the intention of the creator of this complaint to place this account into a Billing Error Status pursuant to the legal authority 12 CFR 1026.13 as the presentment ( statement ) issued to me used fraudulent, fictitious, and deceptive language to defraud and confuse me violating 18 U.S. Code 1001.
Consumer complaint received 2024-01-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIBANK, N.A. (IL)

Confirmations number was provided for completing form for CBNA and was responded with a hard pull to XXXX XXXX for approval decision made through customer representative. Which no inquiry of credit report should be an hard pull without consent.
Consumer complaint received 2024-01-06
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: TOYOTA MOTOR CREDIT CORPORATION (NV)

Bought a car in XXXX of XXXX of XXXX a used XXXX XXXX XXXX XXXX. The amount for the car was XXXX $ plus a warranty package that I didnt know in the amount of XXXX . I see 2 problems here, one is a he overpriced amount for the car being a used XXXX with XXXX ( ish ) miles, since the market value is way below than XXXX , and this warranty package that put my payments higher than I need that I dont know about, they told me that my payment would be XXXX but didnt told me that I had the option for this package.
Consumer complaint received 2023-06-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

This is my XXXX request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX, SC XXXX XX/XX/2021, XXXX  XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$2400.00}, XXXX XXXX XXXX XX/XX/2021
Consumer complaint received 2024-03-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NC)

I am writing to dispute the following information that appears on my XXXX consumer report : In accordance with the Fair Credit Reporting. Everything has to be 100 % accurate on my report. You stated my account was adequately investigated, but how is that possible if the open date is inaccurate, the current address is inaccurate, the date last reported is inaccurate, the date of the last payment is inaccurate, and the account status is inaccurate? This is grounds for the removal of the items listed and highlighted below and in my credit report that has been attached to this letter. And my rights have been violated under 15U.S.C 1681 Section 602 A. Section I has the right to privacy.

15U.S.C 1681 Section 604 A Section 2 : It also states that a consumer reporting agency can not furnish an account without my written instructions. 

Accounts : XXXX  : Account XXXXXXXX XXXX XXXX XXXXXXXX : Account # XXXX
Consumer complaint received 2024-01-06
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: M&T BANK CORPORATION (TN)

For a quarter of a century, I have called this farm my home, tending to its every need. However, around XXXX, XXXX XXXX relinquished my mortgage to M & T Bank. Despite the change in ownership, I remained steadfast in my commitment to timely payments. Recently, as I made the difficult decision to sell my beloved property due to financial constraints, an unsettling truth came to light. It came to my attention that M & T Bank had failed to accurately document their acquisition of my property as a mortgage holder at the XXXX XXXX  Tennessee courthouse. Since the anticipated closing date of XX/XX/XXXX, I have tirelessly reached out to M & T Bank on a daily basis, desperately seeking their assistance in rectifying the erroneous deed at the XXXX XXXX  Tennessee courthouse. With the impending sale of my farm hanging in the balance, I have pleaded and implored for their intervention. Countless conversations with supervisors have only resulted in deceitful promises, leaving me feeling utterly betrayed each time I make a call to them. In my vulnerable state as an elderly woman battling a XXXX XXXX XXXX XXXX I cant help but feel exploited. I beseech anyone who can offer aid to please step forward. My contact number is XXXX, and my email address is XXXX. My fervent plea is for M & T Bank to rectify the deed at the XXXX XXXX Tennessee courthouse promptly and accurately, utilizing either a deed of trust or warranty deed, so that I may proceed with the closing on my farm and fulfill my obligations to them.
Consumer complaint received 2024-01-06
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (FL)

I open an account with chase on XXXX XXXX my lawyer wrote me a settlement check and I open my account with the bank because my lawyer uses the bank and was told using bank to bank would be a better option and have my funds within XXXX hours my funds where available on XXXX XXXX XXXX and when I went to access my account it said it was restricted due to poetinal fraud and thats absurd I went to the branch and have all my documents and the check can from settlement proceeds and was from XXXX an XXXX XXXX account everything was cleared and now there racially profiling me because XXXX XXXX XXXX and the check was a large amount and there saying its fraud outta nowhere
Consumer complaint received 2024-01-06
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Atlanticus Services Corporation (OH)

Aspire account. Made payments as allowed for years. Software allows. Employee corruption this month. No change in terms or program. XXXX sounded. They claimed fraud. No fraud by me or my account. The fraud department claims a different way to pay monthly not as software program allows. Tampering internally targeting certain customers. Frauding me as a customer to pay them more interest. I have available balance not showing. Tampering by fraud department. Sorry for them they are not getting interest they personally want but that is the logic of why doing. Harassment and resentment by a poor business with high fees anyways gaining millions. I can not pay on card. I can not use card. XXXX there money to use as others do! Are others paying daily. Sure but they are!
Consumer complaint received 2024-01-06
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: GOLDMAN SACHS BANK USA (DC)

The Goldman Sachs chat has been having technical issues in receiving regular images, which is what their agents request for dispute evidence. I received these messages from Goldman Sachs when I chatted in on XX/XX/2024 : " We can not complete your request at this time. Try again a little later. 
Sorry but an error occurred while sending the file. Please try again. 
We can not complete your request at this time. Try again a little later. 
Sorry but an error occurred while sending the file. Please try again. 
Sorry but an error occurred while sending the file. Please try again. 
We can not complete your request at this time. Try again a little later. ''
Consumer complaint received 2024-01-06
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (MI)

On XX/XX/2024. I received a call at XXXX eastern time from Chase bank regarding fraud activity on my account. They stated there was scheduled wire transfers to occur and I needed to do what they said was a reverse wire transfer. The wire transfers of {$30000.00} and {$5000.00} were initiated. When I hung up, I immediately followed up by calling Chase bank # on my card and asking them what was going on, ( the transactions were pending at that point ) and they said I was involved in fraud and would open a claim. I found out later that they did not call the bank that took my money, did not stop the transfers, and said it was my fault. I have now lost my life savings. I did not authorize the transactions with the real Chase and contacted them right away, Chase did nothing.
Consumer complaint received 2018-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (MI)

I have a VA home mortgage with XXXX XXXX that began XXXX. Sometime in XXXX my wife filed a bankruptcy that included only things that she owned alone. Our home in which we live was never a part of the loan, and XXXX XXXX   was assured that when they reached out to us after my wife filed. I am the Borrower, and my wife was the co-borrower. I did not know that XXXX XXXX   would stop reporting on my credit report or my wife 's. I was never told this, and upon them finding out about the bankruptcy, XXXX XXXX  reached out to us and we adamantly told them that our home was not part of the bankruptcy, but it was never implied, or told to us that they would no longer report our payments on our credit report. I was not a part of the bankruptcy and had no idea I would have this happen to me. My name is not on the bankruptcy file and I do not have a bankruptcy on my credit report. All of this came to light because I tried to refinance to obtain equity from my home, and found that I do not have a history of owning a home. In XX/XX/XXXX I did a refinance to adjust the interest rate from 5 % to 4.5 %. On my credit report, it established that I had the home for a year ( showing the refi ). But nothing after that. I filed a Dispute with experian and they came back removing the loan from my report altogether. I disputed through experian again and heard nothing, so I called. That is when it was explained that XXXX XXXX  told them to remove the entire loan from my credit report altogether. I contacted XXXX XXXX, and they explained it was their policy that if anyone on the loan filed bankruptcy they will no longer report to the credit bureaus. I explained I was not part of the bankruptcy and that we never stopped paying for our home, and never ever late. I was told it did not matter that was their policy and that they will not report on any payments we have made in the past or any payments we make in the future. So I own a home and pay for it timely, but I my credit report will not ever show this. They said their policy states they will no longer report any payments. I was told because my wife used the address in which we live, that it was included in the bankruptcy, but when questioned about that, ( because my home was " not '' part of the bankruptcy ) the representative stated " I never said it was part of the bankruptcy, but our policy states we will no longer report when one of the borrowers files for bankruptcy ''. I feel it is unfair that the 9 years and counting of good credit history can not be reported on my credit report.
Consumer complaint received 2024-04-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am requesting the removal of fraudulent inquiries from my credit report due to the unauthorized and unlawful nature of these inquiries. These fraudulent inquiries not only inaccurately reflect my credit history but also pose a significant risk to my financial well-being and reputation. It is imperative to rectify this situation promptly to safeguard my creditworthiness and ensure the integrity of my credit report. Therefore, I seek the removal of these fraudulent inquiries to restore the accuracy and reliability of my credit profile.
Consumer complaint received 2024-01-06
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BMO Bank, N.A. (TX)

In XXXX of 2023 I contacted BMO Harris Bank about a rewards issue with my credit card. When the representative answered my call she could not speak English or understand it very well and began to ask me security questions which I could not understand or answer and so she suspended my account to the point where I could not even close the account. I was sent an email stating I would have to go to a branch of which there is not XXXX within XXXX miles of my location or go and get notarized forms email it to them call and verify that they were emailed in order to do this all at my expense and time for which I don't think is reasonable since I did nothing wrong except wanted to have a rewards issue explained