davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-18
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY (TX)

Please refer my prior compliant against Wells Fargo XXXX on XXXX XX/XX/XXXX about the dispute with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have Wells Fargo Autograph VISA credit card. On or about XXXX XX/XX/XXXX, I made purchase for XXXX  air tickets- XXXX -in one single transaction. XXXX made around XXXX  changes in the flight due to which I can not go and cancelled my XXXXXXXX XXXX  2 weeks prior to departure though 3 other family members went via XXXX XXXX assured me full refund as those XXXX changes were extreme and due to my job- I simply can not take it. But XXXX  rather than refunding my full ticket value to my credit card, XXXX made the refund in the form of XXXX travel voucher- which i never wanted. I tried to create dispute with Wells Fargo but online system didn't helped me. Later I called Wells Fargo on XXXX XX/XX/XXXX- talked to two agent. One agent made an excuse that the purchase is more than 6 months so now can not be disputed. One agent made an excuse that the purchase is more than 4 months so now can not be disputed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Even till now Wells Fargo couldn't do anything regarding this dispute. 
XXXX XXXX already charged my credit card for XXXX check-in bag and XXXX cabin bag for the entire flight from XXXX. But still my wife ( XXXX XXXX XXXX was charged for check-in bags by XXXX even when it was thru check-in. 

My wife filed CFPB complaint # XXXX on XXXX XX/XX/XXXX regarding the same. Wells Fargo is simply playing tricks with me and my wife and not doing anything against XXXX and XXXX XXXX. They keep on passing the buck to me and my wife to call separately. Finally today we were on the phone call with them at around XXXXXXXX XXXX central. 

Wells Fargo need to resolve this dispute efficiently and give us the resolution in a timely manner.
Consumer complaint received 2024-01-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

Clarity Services XXXX is continuously reporting inaccurate information on my consumer report/ File. I never gave Clarity Services XXXX consent to share my information and these accounts must be deleted immediately. This is a violation of the FCRA. Also late payments are illegal and should not be on credit reports. The violation of my rights on my consumer file is Late Payments- 15 U.S.C. 1681a ( 2 ) ( A ) ( i ) : Definitions ; Rules of Construction. 2 : Exclusions. Transactions are not included in the consumer report/ consumer file. Delete these Late Payments and Update my Payment History to PAANL status, or Delete these accounts now. Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 15 U.S.C 1666b States that a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. Also, XXXX  has violated 15 U.S.C. 1666 ( b ) ( 4 ) Billing errors : States that a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. It is also against the law for Clarity Services Inc. to make any consumer report containing any adverse item of information XXXX 15 U.S.C. 1681c ( a ) ( 5 ). wrote this complaint by myself, no help.
Consumer complaint received 2024-01-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bridgecrest Acceptance Corporation (NY)

Greetings I am writing to dispute and remove unlawful collections, charge offs and closed accounts reporting negatively and inaccuratel, negatively affecting my score and growth of my Personal credit file. I am requesting that it be removed asap on all three credit bureaus XXXX, XXXX, XXXX. 

I have 17 closed accounts that need to be deleted and removed from XXXX and XXXX and 18 closed accounts need to be deleted XXXX removed also on XXXX reports and credit files. I am contacting you for help and further review of false reporting and aggressive behavior from creditors.
Consumer complaint received 2023-05-03
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. (MI)

XXXX XXXX repoted that I replied for credit in which I never heard of this company when I reached out to them they didnt have my SS # or my birth date the date they are reporting this on XX/XX/XXXXXXXX XXXX XXXX is reporting that I applied for credit I. Which I never finished the application they started reporting on XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-21
Product: Credit card or prepaid 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: CAPITAL ONE FINANCIAL CORPORATION (NC)

I placed an order for car rental reservation on XXXX  for dates XX/XX/2022 through XXXX, XXXX XXXX. The vendor is XXXX. The total amount of the reservation is {$630.00}. 
While renting the car, this was the amount that I was told and by local XXXX that I will be billed. However, after returning back home to the US, I found that I was charged {$1000.00}, without any reason ( there are no extra charges for fuel, damage, late return etc. - the base amount is simply {$1000.00}, instead of {$630.00}. 

I filed a dispute with Capital One, and after a few weeks received a reply ( see attached ) that the vendor reject my dispute, attaching some documents that support, to their view, the {$1000.00} charge. 

I then replied Capital One ( fax sent on XX/XX/2022 - attached ), explaining that the vendor " supporting documents '' are simply internal records from their systems, without any evidence that I approved this charge, nor even was aware of it. 

I received a reply to this letter that the timeframe to handle a dispute has past, and therefore they are not able to address this dispute.
Consumer complaint received 2024-01-04
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. (MI)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX 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 XXXX Balance Owed : {$21000.00} XXXX XXXX XXXX XXXX Balance Owed : {$16000.00}
Consumer complaint received 2024-04-10
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. (TX)

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. 

Account Name : XXXX  XXXX : Account Number : XXXX Account Name : XXXX  XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX  : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXXXXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX 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 2023-12-18
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc. (MI)

I attempted to open an account with XXXX, and they informed me that I would receive my SIM card, but I did not receive it. XXXX proceeded to bill me for XXXX dollars for service I never received or used because I did not receive the SIM card. I did not notice the charges because I rarely use the bank account. I've spoken several times to XXXX, who often could not find my account, saw that I had not used my account, and finally told me I would only be able to receive approximately {$60.00} back because they could not send the money back to my account since I closed the account due to their transactions. XXXX wanted an account number to send my refund, but I refused since they had already taken over {$300.00}. Finally, they turned my account over to AmSher Collection Service , Inc., stating that I owed them money and that they would create a negative statement on my credit report if not paid. This issue has been going on since XX/XX/2023 and they still have not refunded my money.
Consumer complaint received 2023-09-04
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. (IL)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2024-04-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (IL)

Under federal law, you have thirty ( 30 ) days to complete your investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your investigation. Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re investigation.
Consumer complaint received 2022-02-06
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. (NY)

1.XXXX  XXXX is reporting that my account ( s ) are updated. This is a lie. It's fraudulent. All the accounts are not updated. All the paid zero balance accounts are still being reported as if they were open. The accounts are not. XXXX XXXX and Equifax are not updated. 
2. XXXX XXXX is reporting the accounts are updated by removing remarks added to accounts. This is fraudulent because credit karma did not remove/ delete the account. XXXX XXXX removed remarks stating closed and paid and on time but left the accounts on the credit profile
Consumer complaint received 2017-04-05
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (IL)

I signed up for a Citibank checking account promotion back in XX/XX/XXXX for {$400.00} promotional credit if you deposited $ XXXX and kept it in for 30 days and waited another 90 for payout. It has been more than 4 months since I deposited XXXX no payout was processed yet.I have been calling Citi bank on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX I every time I was told that I have to wait 90 days to receive a bonus. Then I called on Saturday XX/XX/XXXX to the Citi Bank and I at that time customer service rep opened a dispute. Two days later I received a letter stating that I did n't meet bank 's requirements since I did n't deposit money in 30 days since I opened an account. Why no one told me that when I called on XX/XX/XXXX, XX/XX/XXXXand XX/XX/XXXX. If I knew that I do n't qualify for that bonus I would just move my money to another bank instead of keeping my XXXX for free in Citi bank. Moreover, now bank stated that i had to deposit money 30 days since I opened account - what 30 days regular or business days. And in that letter Citi Bank is stating that I had to keep my money for 30 days so why I was told so many times that I have to wait 90 days. This is ridiculous. Bank is using people 's money to its own benefits.
Consumer complaint received 2023-12-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: FIRST INTERSTATE BANCSYSTEM, INC. (IA)

I approached the drive through window at First Interstate bank, located on XXXX XXXX in XXXX XXXX XXXX.I asked the Teller for {$150.00}, after recieving the money, i laid the cash on the seat of my truck, after pulling forward appoximatly 10 feet, I realized not all my money was there ( I was short {$2.00} ), I then backed up to the teller window, and the teller acknowledged she had shorted me {$2.00}, I then waited for her to hand me $ XXXXafter a minute or so, i look back at the window and another bank employee is standing there, when i asked what was going on? He informs me that they have to count the drawer, I then mentioned the teller had already acknowledged the error, after counting said drawer, i was informed there was no error and the bank did not owe me $ XXXX.I then told the tellers i would be coming into the branch, Upon entering the branch i spoke with the branch manager and asked how a simple error by an employee, who had already acknowledged the error, get to this point? She informs me that she will credit my account, when I asked if she could give me something in writing saying so, she asked me to leave, when i questioned her again about my missing money, she threatened to call the police, so I called the police and told them i was being robbed at the bank, when the police got there, the branch manager had already closed my account and said i was trespassing, closing my account from a mistake starting with an employee error, is going to cause checks to bounce, I never received the money i was shorted.All of this is on security video, someone needs to hold these people accountable for their actions of incompetence
Consumer complaint received 2024-04-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Despite my persistent efforts, I've encountered no progress in resolving these issues. Enclosed is a copy of the letter I previously dispatched to the credit bureaus. Your firm 's response labeled my request for verification of erroneous items on my report as " frivolous '' or " irrelevant. '' I want to emphasize the gravity of this matter to me. Failure to address my original request, conveyed via certified mail, will compel me to lodge a complaint with the Federal Trade Commission against your company. I urge you to conduct a comprehensive reassessment of the following information and furnish evidence supporting the alleged item, such as a contract, note, or any document bearing my signature. Should you fail to provide such evidence, I insist on the immediate removal of these items from my report.
Consumer complaint received 2024-01-04
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I have been a victim of inaccurate reporting, and it is disheartening to see that my efforts to correct this discrepancy have not yielded the desired results. I have previously submitted dispute letters and followed the appropriate procedures outlined in the Fair Credit Reporting Act ( FCRA ). However, despite my diligent efforts, the inaccurate late payments persist on my credit report. 
BK OF AMER XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
I would like to bring to your attention that other credit reporting agency have already taken corrective action in response to my disputes and have removed the disputed late payments from their reporting. I am left perplexed as to why your bureau has not followed suit.
Consumer complaint received 2018-08-07
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (FL)

Select Portfolio Services is committing fraud to their investors. They are purposely making it impossible to complete the short sale process so they can collect servicing fees. 
This is a follow up of Complaint XXXX and XXXX. 
They are purposely making in 100 % impossible to complete a short sale on a property by creating a process that can never be completed. I have called them over 50 times and they fabricate lies and make up requirements daily on needed documents. Someone needs to investigate this company for fraud. They are purposing making it 100 % impossible. They will review the file and ask for the same document 4 and 5 times. We are not talking about any updated documents, the exact same document 4 and 5 times. They claim one moment to have everything and then they claim they are missing a document you have sent them 5 times. Then they will come back and say " well we just got all the documents so we need time to review. '' They constantly go in circles and they do this 100 % on purpose so they can stall or kill the deal in order to keep receiving servicing fees. I am a XXXX, I am highly educated and not a stupid person. This company is committing fraud on their investors. 
Todays example : After 45 days of repeated stall tactics They told me on the XX/XX/XXXX they had every document. I have called them every business day since XX/XX/XXXX and they have told me they need time to review. Today XX/XX/2018 I called and asked for a supervisor and their ombudsman named XXXX XXXX. She told me today after waiting 2 weeks that they need the listing agent ( me ) broker opinion of value. I told Mrs XXXX that I have supplied this document 5 times. Yes 5 times. This is exactly what I have been filing complaints to the CFPB. She then open the file and says, " oh here it is '' and proceeds to tell me it will now take 72 hours to confirm they have the document at the short sale department. 
They are doing all of this on purpose. They are defrauding their investors because they want to collect servicing fees and don't care if the deal closes. Their only motive it to make sure no one can close a short sale. It is imposable. I have been working on this since XX/XX/2018. They are committing fraud. Please investigate this company. I have submitted similar complaints to the Federal Reserve. Please investigate.
Consumer complaint received 2024-01-04
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Didn't receive services that were advertised
Company: TOYOTA MOTOR CREDIT CORPORATION (PA)

On XX/XX/XXXX I purchased a XXXX XXXX XXXX at XXXX XXXX XXXX, at the time of purchase I was offered by the dealer an extended warranty that for 7 years or XXXX miles that would cover everything under the hood in the car in case something goes wrong. On Saturday XX/XX/XXXX I was driving on the Turnpike heading to New York and the car was overheating while driving. I then had to pay for a tow truck to have the car towed to the XXXX XXXX XXXX and pay for a Taxi to drop me home. it was very inconvenient and unpleasant. On Tuesday XX/XX/XXXX I received a call from XXXX at the JEEP Dealer XXXX to inquire about the issue the car was having. I was informed by XXXX that my car was not covered by the warranty company because the issue was non-mechanical. XXXX also said they would charge me to replace the coolant only which is {$290.00}. when the car was ready for pick up I had to pay for a taxi again to pick up the vehicle from the dealer..
Consumer complaint received 2023-06-19
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: Experian Information Solutions Inc. (CA)

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 U.S.C 1681. ACCOUNT Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an 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.