davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-17
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. (NC)

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
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Consumer complaint received 2024-01-04
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: JPMORGAN CHASE & CO. (NY)

I responded to an email by XXXX, called the number and spoke to a person named XXXX at XXXX. He immediately got onto my computer wanting to refund me even though the XXXX  were not mine. At that time, he also told me that I owed XXXX XXXXXXXX XXXX  and that I needed to send this money immediately. He showed me the XXXX in my account and proceeded to wire the XXXX to a XXXX XXXX. I was also told I was not permitted to go onto my Chase account, call Chase and to keep my computer on at all times. The next day, XXXX contacts me by phone and email saying that I have committed a financial violation and was receiving a penalty in the amount of XXXX.He told me that he and his legal team met the previous evening would send me the amount of XXXX but i had to wire the XXXX to XXXX. He was able to show me the XXXX in my account. Since it was such a large amount, i needed to go to the nearest Chase to do so. I was threatened by XXXX  to myself and family if this was not done immediately. I was terrified and complied with his demand. I continued to receive constant calls from XXXX as to the status of the money along with continuous threats. Within the next XXXX XXXX XXXX, I needed to make a payment to my chase XXXX. I disobeyed XXXXXXXX XXXX demands and went onto my Chase account. That was when I found out the XXXX XXXX were taken from my HELOC account. I then called Chase to tell them what happened and contacted the local police dept. The following morning I went to Chase for them to cancel the wires. I also filed reports with IC3, FTC, NYS Attorney General. Dealing with Chase is impossible, they will not let me know what steps they have taken to try to get this money back. have proof of all emails, screen shots and reports that were filed. I am an honest person who is XXXX XXXX XXXX and has a very good credit score and would never file reports that were not true since this is a felony to do so.
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (SC)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : Please see attached file for these items I am complaining.
Consumer complaint received 2024-04-02
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. (IL)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and Equifax.
Consumer complaint received 2024-01-04
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY (OH)

My extended family was had rented a vacation house for this summer and I charged the first half on my Wells Fargo card. Several family members have been diagnosed with health problems and are unable to go. So we canceled the trip and the rental company refunded the $ XXXX payment that we made with the card. Now I have a - {$7800.00} credit balance. I want a refund obviously. They tell me that it will take a month to issue a refund check. Its a check. It shouldnt take a month to issue a simple credit balance refund. Meanwhile, we owe several people their share of the down payment and I cant give it to them because Wells Fargo says it takes them a month to issue a check.
Consumer complaint received 2024-01-04
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: CITIBANK, N.A. (MT)

I made hotel reservations in XXXX XXXX  through XXXX Once we arrived at the hotel, we were told that two reservations were made through XXXX XXXX which I did not use ). One charge came through my credit card as XXXX  and the other came through as XXXX  The hotel, XXXX XXXX has been very helpful and refunded XXXX for the second reservation. XXXX promised to reimburse my card in XXXX. I have yet to get reimbursed, nor have I gotten a response from Citibank after multiple emails and phone calls. I have given Citibank all prudent information including the emails between XXXX XXXX and XXXX
Consumer complaint received 2017-03-02
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: BARCLAYS BANK DELAWARE (NE)

On the statement from my financial institution, on XXXX/XXXX/2017 barclays bank extracted the full balance owed of {$4100.00}. So, i made a dispute for the inaccuracy because the bill had been paid in full, and on XXXX/XXXX/2017 they reported & dispute 'resolved ' that no payment had been made, & even increased the balance owed. Again my credit report was updated on XXXX/XXXX/2017, with still no mention of this payment and that it had been paid in full, & the increase in debt owed is violating my rights.
Consumer complaint received 2017-03-10
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (CA)

lease find attached the FTC documents and my dispute letter on an account that i fraudulent located on my records.please have this account removed from my credit reporting since i need your help .the mentioned account is not mine and i have never authorized this account to be issued. i have already send a complaint to best but, this account can not be fount nor at XXXX XXXX or XXXX who could be the issuer of this account apparently. 
please follow up this matter, i would greatly appreciate
Consumer complaint received 2022-12-19
Product: Credit card or prepaid 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: WELLS FARGO & COMPANY (IL)

On my Wells Fargo credit card there is a charge for {$2500.00} from XXXX XXXX XXXX XXXX XXXX on XX/XX/2022. I have not made this purchase. I do not recognize what this purchase is for. I have not given the credit card information to this merchant. I have not received anything from this merchant. Regardless, for some reason the disputing functionality does not work on wellsfargo.com and I need this to be disputed. Hopefully someone via this channel will be able to help. I have noted the transaction on attached screenshot.
Consumer complaint received 2024-01-04
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: U.S. BANCORP (NJ)

On XXXXXXXX XXXX 2024 my checking account became overdrawn. US Bank then issued an alert on XXXX XXXX, 2024 stating that I needed to deposit a specified amount by XXXX XX/XX/2024 to be eligible to have the {$100.00} in overdraft fees waived ( XXXX {$36.00} fees ). I made the deposit prior to the specified deadline only to discover on the morning of XXXX XXXX, 2024 that there was apparently another payment draft taken out of my account ( {$10.00} ) and the bank reapplied the XXXX {$36.00} overdraft fees and an additional overdraft fee for the attempted draft. 

I was told that, though I met the deadline and fulfilled the specified deposit amount ( the bank gives you until XXXX the following day to deposit an amount that they specify to have fees waived ), they chose to reapply the fees. 

I explained to the representative that If the additional bank draft was attempted XX/XX/XXXX, how could it be included/lumped into the XX/XX/XXXX overdrafts? I requested the overdraft fees be waived and was told that that would not be possible. I then requested to speak with a supervisor. 

Once I reached the supervisor, he agreed to refund only 3 of the 4 {$36.00} overdraft fees. I voiced that this is unethical due to the fact that the standard next day by XXXX deadline should have applied to the XXXX XXXX draft for which I would be able to cover on XX/XX/XXXX. My request for the additional overdraft fee to be refunded was denied. 

I am requesting the opportunity to cover the {$10.00} draft and have the {$36.00} overdraft fee associated with it refunded.
Consumer complaint received 2024-01-04
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: OPTUM BANK, INC. (MD)

I am seeking the mileage reimbursement rate starting XX/XX/XXXX for travel to healthcare providers. This information does not appear to be listed on the OptumBank web site, the XXXX web site or in any documents issued to XXXX XXXX XXXX XXXX. 

In XXXX, the rate was {$0.00} per mile. The XXXX rate may be higher, lower or the same as the XXXX rate. 

I called Optum Bank and the rep said " We do not have information about the mileage rate. '' Please post the mileage rate conspicuously on the Optum Bank web site and let me know where it has been posted. 

Thank you.
Consumer complaint received 2024-01-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Allied Collection Services, Inc. (Nevada) (NV)

This company has two collections listed on my credit file stating I owe {$790.00} and {$780.00} which is false, I requested validation and nothing has been sent and I dispute and no resolution. Please help
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: Debt Recovery Solutions, LLC (TX)

Information showed up on my credit report as a collection in the amount of {$290.00}. I have disputed information with credit reporting agencies and I still have not received any information from the company who is reporting this debt. The credit reporting agencies just reply back that it is verified. I have disputed this information twice at this time. I have not had any communication from the agency reporting the collection.
Consumer complaint received 2018-08-07
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: ENOVA INTERNATIONAL, INC. (TX)

XXXX, XXXX and XXXX  inacurrate information caused me to put a id theft report with ftc now none of the bank wil do business with me b/c i filed against thme fair lending act.. XXXX, XXXX XXXX  XXXX , XXXX, i could go one for day how is that rithg b/c i have XXXX job and about 720 credit on all three and 8 paid off auto loans
Consumer complaint received 2023-06-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CLGF Holdco 1, LLC (IL)

I was a victim of identity theft as well as unauthorized charges against this account which I already explained to this company. They have been charging unreasonable charges and fees when this company has been told to freeze this account because I requested an investigation and they neglected this matter continuing to charge fees to an account that was potentially compromised
Consumer complaint received 2024-01-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: JPMORGAN CHASE & CO. (CA)

THE ACCOUNT ENDING XXXX HAS BEEN PAID BUT IT IS STILL ON MY CREDIT REPORT AND HURTING MY CREDIT REPORT. PREVIOUSLY I HAVE SUBMITTED MY COMPLAINT OF BEING A VICTIM OF IDENTITY THEFT. BUT YOU HAVE DECLINED MY REQUEST. NOW ITS BEEN PAID OFF I REQUEST TO DELETE THE ACCOUNT FROM MY CREDIT REPORT DUE TO IDENTITY THEFT. THE INFORMATION YOU ARE REPORTING ARE INCORRECT.
Consumer complaint received 2024-01-04
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: I.C. System, Inc. (CA)

pursuant to 18 usc 8 i owe no debt, this company is violating my consumer right to privacy pursuant to 15 usc 1681 b 2 company has no permission to report anything using my info pursuant to 15 usc 1681 4
Consumer complaint received 2024-01-04
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: GOLDMAN SACHS BANK USA (NY)

I am using Marcus for high yield savings account. After I transferred $ XXXX from my bank account to Marcus, I recently learnt that my account was locked. Then I tried to call Marcus XXXX or XXXX  times. Each time either they said they cant XXXX time pin me because the phone number they have on file doesnt associate with my name, or they can OTP me, and they try to contact my bank to verify my bank account information, put me on hold for half an hour, then suddenly hung up on me. For the XXXX  case they said they will contact me in XXXX or XXXX business days but no one ever contacted me ever since. 

This is not a proper way to do banking business. Why does Marcus has this and only this outdated method of verifying peoples identities? Shouldnt they provide methods like email verification? Shouldnt my bank information be already verified before Marcus approves my transfer into the account?
Consumer complaint received 2024-01-04
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (MD)

Recently my mother was scammed. The scammer sent her a fake email saying they were charging her account. She called the people from the email to settle the dispute and they got access to her computer. While they were claiming to refund her money, they claimed the accidentally deposited XXXX into her account. My mother, did not realize that they transferred the money from my account to hers, as our accounts are linked. The scammers told her she had to return the money and told her the only way to do so was by withdrawing the money and send it back to them. Meanwhile, I had no idea any of this was happening. I took no part in this and I am the ultimate victim. All of my life savings that I worked so hard for have vanished and the bank is no help. While all of this happened the bank did not notify me, flag the account or even ask for any authorization. The security of this bank failed me, and I am heartbroken. This all falls under bank negligence. If I was notified of this transfer I would have been able to stop it. Please help me.
Consumer complaint received 2022-02-08
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TD BANK US HOLDING COMPANY (MA)

TD BANK - Wasted 3 hours of my time on several different phone calls. Different people say different things - but the problem was never resolved It was a ride for me on a merry go round. 

On XXXX I disputed a charge of XXXX. In XXXX i got a letter dated XX/XX/XXXX from the dispute department saying it was resolved in my favor and a credit was applied to my account. NEVER HAPPENED. 

Called - and was told it would be taken care in 7 business days by XXXX in the dispute department and it took more than an hour- to get to them. NEVER HAPPENED. 

called XX/XX/XXXX XXXX said it was not to be found. - another half hour. 
XX/XX/XXXX, closed the account and was told the XXXX would be sent to me. 
called XX/XX/XXXX XXXX- in Credit cards to XXXX in dispute to XXXX the obnoxious toad in customer service. The merry go round went around but - no {$14.00} The ladies were very nice and polite. But XXXX is discouragement for people to use TD Bank. which will die to lack of customers and incompetence of staff. 

I used TD Bank from when it was XXXX Bank. This never would have happened then, decades ago. Now I would never trust TD Bank - if they XXXX up with small numbers they would probably do worse with large amounts.
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: Commonwealth Financial Systems, Inc. (IL)

In XXXX I bought a car from XXXX XXXX XXXX. After one year paying my fees I missed two payments and my car was towed without any prior notice. I was away for almost 3 weeks due to my job and on arrival I got to know my car was sold. The manager informed me that the amount they sold my car covered towing expenses and we are all set. Taking into consideration the the total sale price XXXX $ with XXXX $ base price and my XXXX XXXX and all the repairs Ive already done to car I was sure they just took advantage of me. But decided not to take any actions at that time as Ive just lost my job due to the pandemic. What a surprise I got when after almost 4 years I have received a notice from a collection. Therefore now I want to verify my debt and ask the collector to provide the following : Agreement with your client that grants you the authority to collect on this alleged debt. 
Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. 
Any insurance claims been made by any creditor regarding this account. 
Any Judgments obtained by any creditor regarding this account. 
Name and address of alleged creditor. 
Name on file of alleged debtor. 
Alleged account number. 
Address on file for alleged debtor. 
Amount of alleged debt. 
Date this alleged debt became payable. 
Date of original charge off or delinquency. 
Verification that this debt was assigned or sold to collector. 
Complete accounting of alleged debt. 
Commission for debt collector if collection efforts are successful.
Consumer complaint received 2024-01-04
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Affirm Holdings, Inc (CA)

I purchased a dress on below website : https : XXXX I placed this order on XXXX XXXX and after 3 months still I have not received my order. I contacted merchant several times. They supposed to ship this dress on XX/XX/2023 which they didn't. Then they said it takes another 13 weeks to get the order. I wait for another 15 weeks and still after 3 months I have not received the order. I did some investigation online and find out they are scam and there are so many other clients had the same experience, they paid the money and never received the product nor their refund.

I tried to dispute this transaction through affirm, I sent them all the evidence and the last email that I sent to merchant regarding opening a law suite against them but they have not resolved my issue and still they didn't dispute this transaction. By law they can not force me to pay for something that I never received.
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (SC)

I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.