davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-19
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY (TX)

Details of the XXXX : In XX/XX/year>, I opened a new XXXX  account with Wells Fargo under a promotion that promised a {$300.00} bonus for new accounts, provided that certain conditions were met. These conditions included making qualifying XXXX  deposits totaling {$1000.00} within the first XXXX days of account opening. 

Actions Taken : I opened the checking account online in XX/XX/year>. 
I deposited {$1000.00} into the account via qualifying XXXX  deposits in XX/XX/year>, well within the XXXX period. 
Despite fulfilling all the conditions outlined in the promotion, I have not received the {$300.00} bonus. When I contacted Wells Fargo customer service, I was informed that the promotion had ended, and I was not eligible for the bonus, despite having completed the necessary steps within the required timeframe. 

Impact : This situation has caused me significant frustration and has led me to question the reliability and transparency of Wells Fargo 's promotional offers. I believe that I am entitled to the {$300.00} bonus as per the terms of the promotion that was active at the time of my account opening and deposit. 

Requested Resolution : I am seeking the immediate issuance of the {$300.00} bonus that was promised as part of the promotion. Additionally, I request that Wells Fargo reviews its promotional practices to ensure that customers are not misled or denied promised benefits without valid reasons.
Consumer complaint received 2024-05-19
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I need for capital one Take this matter more serious this account was open online that does not show prove it was me also i reported my information was stolen and also my phone anyone could of open the account and who know how many other accounts under my name i need for capital one if there are so sure it was me to show me all prove it was me i need papers showing my signature on them statements saying yes it was me who open them my address and name and last name and number is not prove enough to say yes it was me anyone could of did it and we all know for you to open a account you will need the person informations to get it open this is making me get very mad because im being charge for something i know i didn't do i need prove if not i ask by law to remove it from my credit asap.
Consumer complaint received 2023-11-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO. (NY)

I and my wife are guardians for our XXXX XXXX son. My son receives Social Security ( SS ) funds and wages as a part-time employee in a supermarket. In the past the SS funds and wages were put in the same checking/savings account at JPMorgan Chase bank . However, I was told by XXXX XXXX XXXX XXXX that the funds should go into separate bank accounts. So, on advice of my attorney, I attempted to open a guardianship account in Chase approximately XXXX weeks ago. The guardianship account was opened, but immediately was placed on hold and the pre-existing checking/savings accounts in which the SS funds and wages were deposited were also put on hold. No one at Chase can tell me why the accounts were placed on hold nor what I needed to do to unfreeze the accounts. In the meantime, my XXXX son can not access his money to pay his expenses and bills, so I have had to cover them for him. I have been in daily communication with a banker and branch manager at Chase XXXX XXXX, NY branch ) and despite many apologies, no one has been able to help me. How Chase has handled this is reprehensible as this is affecting a developmentally XXXX adult who has elderly parents as guardians. There is nearly {$30000.00} in the frozen checking and savings accounts that my son can not access now and I don't know if his monthly SS direct deposit funds will be accepted into the frozen accounts so he may lose that money as well.
Consumer complaint received 2024-06-14
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)

Filed XXXX  XXXX Bankruptcy XXXX of XXXX. I purposely did not apply for anything to ensure rebuilding of credit to purchase a new home for my family. Upon checking my Credit XX/XX/XXXX I Noticed several Hard Inquiries on Trans Union Credit report that were not authorized by myself, Which includes 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 2024-05-21
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Unexpected or other fees — 
Company: JPMORGAN CHASE & CO. (TX)

JP Morgan Chase was prompted to initiate a wire transfer to my bank account that also happens to be Chase.l, on XX/XX/year>. Wire transfer did not go through until XX/XX/year> because it was under review for compliance. The sender spent XXXX  days calling and email to release the wire. Once wire transfer was received, Chase charged me twice what amounts to {$280.00}.
Consumer complaint received 2024-05-21
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/2022 I wrote the dealership I got my car from ( XXXX XXXX ), as well as the company who financed my car from ( Wells Fargo ) requesting specific info ( see attached ). I received some of my requests from Wells Fargo, but nothing from XXXX XXXX.
Consumer complaint received 2024-05-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (CA)

I discovered from the car dealer finance department on XXXX XXXX, 2023 while trying to purchase a reliable vehicle for myself for XXXX that I had a collection on my account an past due. So since 2023 I have been trying to resolve this fraudulent issue of the XXXX credit card being opened up in my name illegal. I have been back an forth with the Midland credit collection company advising them this a fraudulent account that they reported to the credit bureaus affecting my credit an it need to be removed asap. If I had not purchased a vehicle I would have never known this was on my credit and this has been affecting my credit score.
Consumer complaint received 2024-05-20
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO. (IL)

I am extremely dissatisfied with the service provided by XXXX XXXX Chase Bank. Despite my immediate notification of an unauthorized {$2300.00} transfer, the bank negligently deemed it authorized, plunging my account into a negative balance. This failure to protect me as a consumer is unacceptable and has caused significant inconvenience and distress. I demand a thorough investigation and swift resolution to rectify this situation.
Consumer complaint received 2024-06-19
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. (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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-05-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

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. 

XXXX XXXX XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX,, has violated my rights. 

I looked at my XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to 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 2024-05-17
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (MI)

Comenity Bank-Ann Taylor credit card. 
Payment made in full for {$370.00} was posted on XX/XX/XXXX ( 2 days past due ). 

I have been receiving multiple calls from collection department at Commenity Bank the week of XX/XX/XXXX claiming I am past due. Today ( XX/XX/XXXX ), I called Commenity and asked what I am past due for and they claim I owe {$30.00} in late fees, plus interest on the late fee, and then another {$30.00} for this month late fee ( which is a late fee for the late fee ). 

Comenity Bank explained that I will continue to incur {$30.00} every month in late fees + interest until I pay off the balance. The balance is strictly fees and interestnot charges for items purchased. I have not been late with payments since I opened the card and have paid off balances of all charges. I do not feel it is right that I am continuing to be charged late fees every month. I asked if the fees could be waived and I did not understand how I could be charged interest on only a late fee or how I could be charged another {$30.00} in late fees monthly, given all payments for charges have been made. On XX/XX/XXXX, I asked Comenity Bank to close my card/account and they said they did but they did not. After the calI, I received no email or verification that the account was closed. I called back later on XX/XX/XXXX and asked them to close my account again and was told the account was active and not closed. I asked for the account to be closed because I do not feel it is right to be continuously charged an additional {$30.00} a month and interest in late fees on late fees. I was able to receive verbal confirmation that the account was closed but have not received anything in writing that the account has been closed. Comenity told me that I would be taken to collections and even though the account was closed, I will continue to be charged fees on late fees and interest. I dont understand how my charges can be paid off in full and yet I am continuing to receive compounding monthly late fees and interest? This doesnt seem right.
Consumer complaint received 2024-05-17
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Central States Recovery, Inc. (MO)

XXXX XXXX called my employer, XXXX XXXX XXXX. Stated he was collecting debt on an XXXX bill that was from XX/XX/XXXX for {$310.00}. States that only the full amount of {$310.00} can be paid and no partial payment will be taken, even though I said I could pay {$30.00} today. He said this was not able to be done and the full amount had to be done. Per Bill, " XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX' I advised, yes, I am aware but I have been going through a divorce for the last 12 months so money has been tight. He said I should have used my income taxes that I got back to pay the bills. While it's none of his business, my income taxes were used for bills such as mortgage and feeding my children. Again, offered to pay {$30.00} today and he stated it had to be taken care of by the end of XXXX or he would contact my employer and it would be deducted from my payroll. Flustered at this time, I advised I do not know when I will have an extra {$300.00} and I could call back and make another payment where it was again declined. I gave him my debit card number, as well as advised this is most likely going to make me behind on my mortgage payment that puts a roof over my children 's head. I stated I get paid XX/XX/XXXX where he then stated OKAY so XX/XX/XXXX it will be deducted where I again stated, I do not get paid until the XXXX of the month. It is on a Saturday so it will need to be deducted the following Monday as I will NOT have the funds on the XXXX.
Consumer complaint received 2024-05-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (CA)

On XX/XX/XXXX I-filed a dispute with XXXX through the app on 4 suspected fraud purchases made with XXXX, using my account information. I also Filed a dispute w/ XXXX through app notifying them all derogatory payments were not made by me. The following purchase through XXXX were made in my name ; XXXX purchase of {$1000.00} on XX/XX/XXXX. XXXX XXXX XXXX purchase of {$910.00} made on XX/XX/XXXX. XXXX XXXX purchase of {$1500.00} made on XX/XX/XXXX. And a XXXX purchase of {$440.00} made on XX/XX/XXXX. I attempted to call the police station to file a report, and was unable to get a hold of anyone due to the hrs. I went to the police station, and The official police report was made on XX/XX/XXXX. Also pictures of the merchants names along with the amounts of all purchases were uploaded to the email the police office provided me with so he can write it on the police report. Called XXXX on XX/XX/XXXX to notify then per XXXXXXXX they are backed up, and dont know when the actual police report will be ready. Called XXXX and provided them with the police report # XXXX, the officers name XXXX and badge # XXXX. Filed report with reportfraud.ftc.gov report # XXXX on XX/XX/XXXX and submitted all documents to XXXX through following link XXXX XXXX XXXX. I contacted Jefferson capital which is the creditors that are attempting to collect the debt for 2 of the purchases made through XXXX, and provided them with the police report information, and FTC number. On XX/XX/XXXX the police report was finally ready, upon reading the report none of the purchases vendors were listed, or the amounts. I went to to the police station again, and they advised me that the police report would be amended but it could take months for it to be amended. I sent it out via mail, and I attempted to call Jefferson to resolve this and get this off my credit record, and I have been unsuccessful on getting these charges removed. All my history with XXXX prior to these purchases were in good standing, and I have never even made one late payment with this third party vendor.
Consumer complaint received 2024-07-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

The wrong info in my credit reports makes it tough to get new credit. Errors confuse lenders and give a false idea of my creditworthiness. This hurts my financial reputation. I'm formally asking to correct and remove these mistakes from my reports. It's vital for lenders to see my true financial status for fair evaluations
Consumer complaint received 2023-06-15
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: EQUIFAX, INC. (TX)

This is my several complaints 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 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 2024-04-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (GA)

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 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 2024-05-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: JPMORGAN CHASE & CO. (DE)

I am writing to formally notify you of a serious issue regarding my credit report and to seek your assistance. I have been a victim of identity theft, and as a result, fraudulent accounts have been opened in my name with JPMCB ( Chase ). Despite providing XXXX with documentation from Chase confirming that these accounts are not mine, XXXX has refused to remove the fraudulent accounts from my credit report. 

The accounts in question are as follows : JPMCB ( Chase ) Account Number : [ insert account number, if known ] Under the Fair Credit Reporting Act ( FCRA ), specifically Section 611 ( 15 U.S. Code 1681i ), credit reporting agencies are required to conduct a reasonable reinvestigation when a consumer disputes the accuracy of information on their credit report. XXXXXXXX XXXX and XXXX refusal to remove these fraudulent accounts, despite the evidence provided, constitutes a violation of this requirement. 

XXXX 's and XXXX actions have caused significant harm to my credit standing and have prevented me from accessing credit and financial services. Moreover, their failure to comply with XXXX XXXX compliance guidelines, which are their own industry standards for accurate credit reporting, further exacerbates the issue. 

Given that Chase has already confirmed that these accounts are not mine, I am requesting the following actions from Chase : Reaffirm the invalidity of these accounts and communicate directly with XXXX AND XXXX to ensure the immediate removal of the fraudulent JPMCB ( Chase ) accounts from my credit report. 
Provide assurance that these accounts will not reappear on my credit file in the future. 
Assist in ensuring that all negative information related to these accounts is removed from my credit reports. 
As a victim of identity theft and a concerned consumer, I am deeply troubled by XXXX 's and XXXX  failure to comply with their legal obligations and protect my financial information. I urge Chase to take swift and decisive action to rectify this situation. 

I have attached copies of the relevant documentation from Chase, including any correspondence that confirms the fraudulent nature of the accounts. Please confirm receipt of this letter and provide me with updates on the actions taken to resolve this matter. 

Thank you for your attention to this urgent issue. I trust that Chase will act promptly to assist me in resolving this matter.
Consumer complaint received 2024-05-17
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I was assessed an annual fee on XX/XX/XXXX for a card that I no longer use or need. I called Bank of America on XX/XX/XXXX after noticing the charge and requested the account be closed since I no longer used the card and didnt want to pay the annual fee. The customer representative agreed to close the account and did not make clear that he wasnt processing the fee removal as requested. Failing to waive an annual fee within the month that it posts, when the customer has not used the card or any of its provided benefits, is out of line with the general industry practice and it was deceptive of the customer representative not to make clear that he was not processing the fee waiver with the cancellation. 

Finally, the annual fee notice that was sent to me stated that the fee would be charged on my XX/XX/XXXX statement. This implies the date of the charge would be on that date, which I did call before. If Bank of America expects customers to cancel before the posting date, the annual fee posting date is what should be present on the letter, as this is otherwise a deceptive practice. Within the terms of the annual fee letter, it also specifically states that calling to cancel within 30 days of the statement in which the annual fee is posted will result in the fee being credited back. ( Attached )
Consumer complaint received 2024-03-18
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

This car loan is with Capital One Bank. Bank 's demand for payment of the first installment of this loan was requested ( and I paid for ) a whole month in advance of the car 's registration and delivery of the car to the customer. 
Also, this car loan is a simple interest loan, but history of loan payments and postings of interest shows notable discrepancies of how the interest was applied to the principal.
Consumer complaint received 2023-05-29
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: TRANSUNION INTERMEDIATE HOLDINGS, 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 XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.