davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-26
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO. (PA)

On XX/XX/XXXX Chase charged me XXXX XXXXXXXX {$100.00} in overdraft fees even though I previously told them not to honor charges if they balance could not support it. They did the same thing on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX totaling another {$100.00}. 

I used ever feature available in their app to disable overdraft protection yet they persist in running this moneymaking scam. I told them the last time this happened that I did not want overdraft coverage and they removed the overdraft charges. Today they refused. They are STEALING MONEY FROM A XXXX PERSON ON A FIXED INCOME.
Consumer complaint received 2023-04-07
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. (TX)

I checked my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2018-09-09
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

Portfolio Recovery Associates had made a claim that I had owed {$1100.00} dollars on a collections account. The original creditor was XXXX XXXX XXXX XXXX XXXX. This was for a XXXX credit card. The true original amount owed was {$1100.00} I had agreed to pay {$950.00} in exchange that they would list this on my credit report as paid in full and also list this as a paid collections. They had failed to live up to their bargain. They had listed the account as paid in a settlement. That was against what our agreement was stated. Also Portfolio Recovery Associates had marked my credit report as failed to pay in XX/XX/2016 just a few weeks after accepting my payment of {$950.00} in XX/XX/2016. By Portfolio Recovery listing this as a failed to pay item well after it was paid had lowered my overall credit score. I have on many occasions called Portfolio Recovery and had asked nicely for them to make corrections to my credit reports. They had refused to make any corrections and or updates. They had stated that it was an error within the credit reporting agencies such as XXXX. As to my understanding the credit agencies only report what they are provided by the creditors and collections agencies.
Consumer complaint received 2024-04-10
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

The contrast between my consistent on-time payments for this account and the distress caused by the inaccurate late payment entry is stark. Maintaining punctuality has been my unwavering commitment, and this inconsistency is weighing heavily on my mental well-being, disrupting my sleep and peace of mind.
Consumer complaint received 2023-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (CA)

Introductions : Federal Legal Standing and factual evidence Equifax in violation of my Private Rights and federal law 15 U.S.C 1681, 15 U.SC. 1861i.

I am a natural Person ; I am a living begin. I have rights Under 15 U.C.S 1681 Equifax is governed by 15 U.S.C 181. Equifax has violated my right numerous times. I demand that my address be corrected. As I have discovered and disputed personal information. The address that Equifax has listed on my credit report is not my address. I did dispute the inaccurate information. Equifax continues to furnish inaccurate information address. According to 15 U.S.C 1861i I have the right to accurate information, and I did not give Equifax written notice or permission such address.
Consumer complaint received 2023-06-05
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. (GA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXXXXXX Balance : {$3600.00} XXXX XXXX XXXX XXXXXXXX Balance : {$3600.00} XXXX XXXX XXXX XXXX Balance : {$3600.00}
Consumer complaint received 2023-05-10
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: ALLY FINANCIAL INC. (TX)

I called this company in the past following the purchase of the vehicle to request that the payment date be moved or that the 3rd payment be moved to the end of my contract as advised by my dealership upon purchasing the vehicle. Subsequently I changed employment after a counseling firm of whom I worked for as a contractor was sued by their stockholders and we were not informed. I called the company again to make the same request as they did not honor the previous request stating that I was 'too new of a customer. ' Now the request was being made due to the change in my finances. Although I had begun making two split payments I have not been late that would result in a change of {$160.00} and an additional charge of {$580.00} that Ally denies is on their ledger -- this charge is different from the actual payment of {$560.00} which you will see all three together on the ledge -- I will attach the ledger below if I can. So I CALLED the company again after they refused TWICE to provide me written documentation of the dates and reasons for the Late Fee assessment and the Past Due Amount of {$580.00} that is showing up on their ledger that the representative insisted was not there. When I called the representatives STILL WOULD NOT TELL ME WHY and could not justify an additional charge of {$580.00} that showed on the ledger as PAST DUE. The representative told me " You must be misreading it or you must misunderstood because I do not see what you are seeing. '' I will also attach the snapshot of this document if I can below. As I had previously WROTE to them I do not enjoy speaking directly with representatives of Ally due to the 'mockery ' and 'talking down to their customers ' that they do not seem to realize is present. When asked for the address of the Corporate location to request 'Dispute Resolution ' I was told, " We only have a Default XXXX XXXX and no physical location, but you can have the fax number. '' The documents are attached below of the : 1 ) Charge Ally denies is on their ledger 2 ) My proof that it is 3 ) My proof of the payment and 4 ) My question of why and trying to explain why talking to them is and has always been a very unpleasant experience. There was absolutely no justification or anything that I experienced that justified that I make a FORCED PHONE CALL to the company.
Consumer complaint received 2023-05-10
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: SUN LOAN COMPANY INC. (IL)

I have made numerous complaints outlining why this account should be zeroed out and removed from my credit report. You have continued to violate my consumer rights under Truth in lending act, FCRA, and the FDCPA. This is my last attempt to try to rectify this situation before pursuing litigation. Ive attached an Affidavit of Truth notarized outlining various facts about the situation as well as a Cease to desist.
Consumer complaint received 2024-02-05
Product: Checking or savings account — Savings account
Issue: Opening an account — Account opened without my consent or knowledge
Company: WEBSTER BANK, NATIONAL ASSOCIATION (CA)

I opened a savings account and set up a wire transfer. The account then locked me out and said the wire transfer was set up successfully. I tried to stop the wire after repeatedly trying to get into my own account. They said my info didnt match, and call later, but my info was correct, theirs was not. They were giving me false phone numbers so that I could not reset my password. They hung up on me when I tried to get answers as to why they were claiming my personal info was wrong compared to theirs. They would not stop the wire transfer so I had to contact my funding bank and put a block on their processes. I tried to file a complaint with them or talk to someone in charge but they would not assist.
Consumer complaint received 2023-10-24
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: WELLS FARGO & COMPANY (TX)

Wells Fargo Bank after purchasing another bank, Wells Fargo Bank, only inforces the banks conditions in the contract, it removes all the consumer 's rights in the contract, it takes over the property, even if you have paid it or not
Consumer complaint received 2018-09-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CA)

I got a car insurance quote from USAA last month but that was the total extend of my interaction with them. The quote was more than twice my current premiums so I did not complete the application ( even after my ignored mail/email/phone contact from them ) Today I received a Visa charge card with a {$8.00} balance and {$24000.00} credit limit that I never applied for.
Consumer complaint received 2023-05-10
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. (FL)

Months ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct or delete 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2018-09-09
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE (TX)

I contacted a person with an advertisement to turn I send into 10 times the amount sent for a fee of 25 %. I sent the money ( {$200.00} ) through western union as instructed and was told I needed to send more money ( {$400.00} ) because an error had occurred and the agency will need the extra amount to process the investment. After I sent the money to XXXX XXXX I then uploaded the pictures of the money I had sent through Western Union I received another call that the " Agents '' will process my return and the money will come back to me through XXXX XXXX. I looked the program " XXXX XXXX '' up and felt confident that the program was ligament. After 8 hours and the representative no longer taking my calls I am realizing it was all a scam. XXXX, that's whom the person advertises himself as is no longer available to take my calls. The advertisement is still on XXXX social media sites. The company is Western Union web pay
Consumer complaint received 2017-09-23
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMA Advisors, LLC. (CA)

After applying for and being pre-approved for a loan with HomeBridge, we requested a loan estimate and a rate lock. 

- When pressed for a XXXX, XXXX provided a misleading document and claimed it was a loan estimate. Quote : Here is the XXXX you requested. and naming the filename in question LE XXXX. After being we asked to confirm : XXXX XXXX Thank you for sending this. I 'm on my phone and ca n't review it, but wanted to confirm this is a loan estimate ..., XXXX replied with : The very inaccurate XXXX, yes. [ XXXX ] - XXXX refused to provide an official loan estimate unless we signed a purchase agreement for the home : Quote : This is all I can legally provide you without having a complete application ( meaning a purchase contract ). [ XXXX ] [ XXXX ] - XXXX refused to send an official loan estimate after taking a full application, pulling our credit, all our XXXX, bank statements etc and providing a pre-approval letter. [ XXXX ] Additional complaints - XXXX offered an extremely attractive interest rate, beating all our other offers by XXXX and offering a free XXXX rate lock. [ XXXX ] - In order to confirm XXXX claims, we contacted XXXX separately, provided the same information, and were quoted a rate that was XXXX higher, and a 45 day lock. 

- Immediately after we were pre-approved, XXXX requested we should not have our credit pulled by another lender, saying that would hurt our score. 


XXXX : - On XXXX XXXX XXXX - We made an offer to purchase XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX | MLS # XXXX - On XXXX XXXX XXXX - The seller XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX demanded we pre-qualify XXXX XXXX. Quote : Purchase agreement shall be signed upon pre approval verification from XXXX XXXX of XXXX XXXX XXXX. 

- On XXXX XXXX XXXX we met XXXX and spend several hours with her providing all our financials to pre-qualify for a loan. [ XXXX ] - On XXXX XXXX XXXX we requested XXXX lock the promised interest rate and provide us a XXXX XXXX. At that point, she immediately informed us the interest rate had jumped by an XXXX - On XXXX XXXX and XXXX XXXX we kept requesting for an official loan estimate. XXXX provided XXXX separate XXXX separate documents which were not official loan estimates, but claimed XXXX of them were. Eventually XXXX said she could not provide an official loan estimate unless we sign the purchase contract with the house first.
Consumer complaint received 2023-12-15
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A. (TX)

On XX/XX/XXXX, I signed up for Citi Gold membership with my existing Citi Savings account. The dedicated Citi Relationship Manager XXXX XXXX XXXX told me over the phone that I will receive email with a link to register for the {$200.00} Citigold Subscription Rebate program within two weeks. 

However, it has been way more than two weeks, but I still have NOT received the email link from Citibank for the {$200.00} Citigold Subscription Rebate program yet. 

I am so frustrated with the poor service by Citibank, which has delayed my {$200.00} subscription rebate for the year of 2023. 

I request Citibank to honor the {$200.00} subscription rebate benefit for Citigold members and post {$200.00} credit to my Citibank account immediately without any further delay.
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NJ)

I am reaching out to request an update of my personal information with XXXX, Experian, and XXXX. Recent changes, including updates to my name and address, require alignment with my current identification. Despite previous attempts, discrepancies persist. Ensuring accurate information on my credit reports is essential for my financial well-being. Your assistance in rectifying this matter promptly is greatly appreciated.
Consumer complaint received 2023-05-10
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. (NY)

I checked again my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2023-12-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (FL)

There were XXXX fraudulent transactions, where someone got a hold of my charity 's routing and account number, and stole {$68000.00} through ACH debits to the checking account. They apparently were routed to XXXX XXXX, but nobody seems to be able to track down where the funds are, and I'm still waiting to be refunded for all of these fraud charges.
Consumer complaint received 2024-03-21
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

I am going to school in XXXX XXXX. I received an email asking me to pay for a debt. I found out the debt was my Bank of America credit card, however I did not make those charges. When I found out, I called Bank of America immediately. I can prove I was in XXXX XXXX they did not send me any information. The bank sent my letters to respond to my mom 's address and not me. I gave Bank of America my current address, When I called them. I was not allowed the opportunity to show I was in XXXX XXXX and not XXXX. The charges are gas and store charges, which you have to be in XXXX  and can not process from XXXX XXXX
Consumer complaint received 2023-05-10
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. (CA)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The TransUnion credit bureau is required to authenticate this item under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting item as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item and update it immediately in my report : XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-14
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: FIFTH THIRD FINANCIAL CORPORATION (FL)

My account was charged an erroneous overdraft fee that caused a negative balance. The fee that caused the negative balance was reversed but the resulting negative balance fees were not and account was reported to collections Bank can not charge me negative balance fees or other fees related to their error I called and requested info and never received a response. 

Phone call was recorded
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

I am writing to file a complaint against XXXX XXXX regarding their failure to comply with my opt-out request to stop reporting account information to non-affiliate third-party credit reporting agencies, namely XXXX, Experian, and XXXX. 

On XX/XX/2024, I sent a written opt-out request to XXXX XXXX XXXX requesting that they cease reporting my account information to non-affiliate third-party credit reporting agencies. This opt-out request was sent in accordance with the Fair Credit Reporting Act ( FCRA ) and the regulations outlined by the Consumer Financial Protection Bureau XXXX CFPB ). 

Per FCRA regulations, XXXX XXXX was provided with a 30-day window to respond to my opt-out request. However, to date, I have not received any response from XXXX XXXX, nor have they taken any action to stop reporting my account information to the aforementioned credit reporting agencies. 

This failure to comply with my opt-out request has resulted in continued reporting of my account information to credit reporting agencies without my consent, which is in violation of my rights under the FCRA. 

I request investigation into this matter and take appropriate action against XXXX XXXX for their failure to comply with my opt-out request and for violating the provisions of the FCRA.
Consumer complaint received 2023-11-16
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 have unauthorized activities/inquries on my credit report. I've been calling all three bureaus, and I'm seeming to not to get nowhere. I would love this unauthorized activities of my credit report, i have been doing disputes on the phone as well