davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-16
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. (PA)

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 XXXX  party involved. Please review the uploaded letters.
Consumer complaint received 2023-11-21
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: AMERICAN EXPRESS COMPANY (TX)

Amex is stating that the amount is correct because of taxes. I already explained to them that the company charged my card for more tickets and I only used 5 tickets and they charged for me 13 tickets. I already informed the merchant and they said they cant refund me. I have already filed a police report due the fraud.
Consumer complaint received 2023-08-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

Yes I have a XXXX sales and use sales tax payment voucher for my XXXX sales tax ammended return case number efiled payment voucher for ID theft and made a claim my account was unable to merge the payment the last year from direct deposit of a hacked and entity data breach from XXXX and capital One Bank National Associates. It was a voucher of {$170.00} in installed payments for XXXX XXXX sales tax and asked to remove it from my account id geft and direct deposit it to my capital one bank or XXXX XXXX  which ever one wan to assign the identity theft because we filed a tax levy of a tax lien of {$110000.00} and my account was under investigation for fraud and reported it to XXXX XXXX XXXX for ID theft and asked to oick up my check and said there was a lien on my account. I paid one with a tax attorney XXXX XXXX XXXX {$110000.00}. I asked to remove he ammended XXXX collection due from ID fraud of my oayment voucher with the case number and ID theft from XXXX XXXX capital One Bank National Associates. Therefor covering he bank with a XXXX form and follow up with a XXXX form filed with the tax year of ammended return with taxes already filed with an update up tax return from direct deposit efiled XXXX, and XXXX XXXX XXXX XXXX XXXX  tax return.
Consumer complaint received 2024-02-13
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: TransferWise Ltd ()

On XX/XX/year> I wired {$9900.00} from my personal bank account to my Wise account. Wise, although one day prior accepted and deposited a wire from the same account, had issues accepting the second Wire. After multiple attempts at proving my identity, providing screenshots of my personal bank account where the wire was sent from and multiple emails trying to get the wire to process, I had to select " refund '' as the wire couldn't be processed. There was no logical explanation for why the second wire couldn't be processed which was very frustrating. 16 days later, Wise is still holding nearly {$10000.00} and has not processed the refund. I have attempted to email and call multiple times without receiving any help and without receiving any advice on how to resolve the issue. Wise have not explained to me why my refund can not be processed and they repeatedly email me with explanations that are simply NOT true about why they can not process the refund. The first reason they gave me was that my personal bank account where I sent the wire from had closed, which is false and hilarious considering a couple days prior they accepted a wire from the same account as well as refunded a third wire transfer in the amount of {$10000.00}. The second excuse I was given was about the amounts not being the exact same on behalf of both institutions which is also not true given I have provided screenshots from my personal bank account which shows the EXACT amount was indeed {$9900.00} as provided to Wise. 

In both emails with the excuses, neither has provided me with an alternative solution on how to fix the refund or how to get it processed correctly. I have called and on all the recorded phone calls you will hear that the customer service team does not have the proper training nor XXXX  to actually help solve the issue. I just keep going in circles and can not find where my money is or why it hasn't been processed. 

Wise has been holding my money hostage for over 2 weeks. This is theft, they have stolen {$10000.00} to me and can not explain why it can not be returned. This has caused me great emotional distress, has left me bedridden and depressed, and above all else has left me in a very difficult financial situation.
Consumer complaint received 2024-02-13
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (MT)

USAA has the worst customer service. I could not get proof of insurance so I changed to XXXX. You call and wait on hold forever. I tried calling numerous times. They can't verify me since my phone changed to XXXX XXXX XXXX. I got an email today saying there was fraud on card. I tried calling in the morning. The automated syste. m would not verifty. I called again and got insurance. They transferred me to a XXXX who would not help. It is like the XXXX time trying to get in. XXXX them. They are hastle to deal with. They are a bunch of money grubing XXXX.
Consumer complaint received 2024-02-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: ALTERRA GROUP, LLC (CO)

My wife and I moved into our first purchased home in XXXX  XXXX. Our mortgage was then sold twice and we were put with XXXX XXXX XXXX We made a few payments to them and then in XXXX XXXX  our loan was sold again from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX apparently totally different entities ). Our XXXX payment was made to the first XXXX  and during the loan transfer process and that payment was " lost '' according to the new XXXX. We submitted proof of payment and continued to make monthly payments as instructed. Every month we were notified our loan was delinquent through certified letters and emails, I would call and they would say " Oh we're sorry about that. You're not delinquent, we just need to find that XXXX payment. '' Today, I went to make a payment for XXXX and XXXX  is claiming we haven't made any payments since/including XXXX and that we owe them {$12000.00} immediately. I contacted my bank to confirm the payments went through and then did a third party call with my bank and XXXX  and then they claimed two of the missing payments were in suspension but they didn't have record of XXXX 's payment even though my bank statement confirms all of them. I have spoken to realtors and mortgage brokers in our area and they all think this could possibly be a scam.
Consumer complaint received 2024-02-12
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (WI)

On or about XX/XX/XXXX or XXXX XXXX XXXX, I received an email and link for a Chase XXXX XXXX credit card that states XXXX XXXX XXXX  Status and XXXX bonus points XXXX  XXXX XXXX XXXX through XX/XX/2024 upon account opening* and earn XXXX bonus points after you spend {$3000.00} on purchases in the first 3 months from account opening. * This product is available to you if you do not have a current XXXX XXXX XXXX Credit Card and have not received a new Cardmember bonus within the last 24 months. This does not apply to XXXX XXXX Credit Card products. 
Earn {$100.00} and XXXX Bonus Points Earn a {$100.00} statement credit and XXXX bonus points after you spend {$20000.00} on purchases each calendar year. * The offer terms however state : Automatic XXXX XXXX XXXX XXXX  Status : As an XXXX XXXXXXXX XXXX XXXX  credit cardmember, you qualify for automatic XXXX XXXXXXXX XXXX XXXX XXXX status through XX/XX/2024 and, thereafter, automatic XXXX XXXX XXXX XXXX XXXX  status for as long as you remain a Premier credit cardmember, and as long as your XXXX XXXX Rewards membership account remains in good standing. Please allow XXXX to XXXX weeks after account opening for the automatic XXXX XXXX status to be applied to your XXXX XXXX XXXX account. 

It is noteworthy that the plain XXXX in the offer email says XXXX status upon account opening but in small print offer terms in a secondary link in the email says to allow XXXX to XXXX weeks AFTER account opening. 

In this case we have XXXX email, Chases offer on its own website saying the XXXX  status is upon account opening and yet in the secondary link to offer terms the XXXX  upgrade offer ends up really being XXXX to XXXX weeks after account opening/approval rather upon account opening/approval as marketed on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  up until a few days ago where it said : ( removed zip code and soliticization ID from this link ) XXXX XXXX XXXX Status and XXXX bonus points XXXXXXXX XXXX XXXX Status through XX/XX/2024 upon account opening* and earn XXXX bonus points after you spend {$3000.00} on purchases in the first 3 months from account opening . * Really feels like a bait and switch. Chase and XXXX had the choice to market this XXXX benefit as being applicable within XXXX to XXXX weeks of account opening, but instead they jointly marketed the XXXX benefit as being applicable upon account opening.
Consumer complaint received 2024-06-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This an account that im an authorized user on, im not responsbile for the debt. Im asking for a removal of the account from my credit report. 

XXXX  acct # XXXX {$880.00}
Consumer complaint received 2024-02-12
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CNG FINANCIAL CORPORATION (NM)

Axcess Financial purchased a debt from XXXX XXXX years ago and both companies have been reporting XXXX false debts to my credit for almost 9 years now. I called XXXX XXXX to pay my balance of {$330.00} and they did not close the account and tried to charge me cancellation fees and late fees which caused the debt to be {$560.00} so they have been scandalous making it look like XXXX separate debts and the ones they sold it to are reporting it as well. This is beyond criminal. I have disputed it more times than I can count over 9 years and they keep lying and its never resolved. Please help, I cant take any more mental and emotional abuse from these creditors and I can't afford for them to keep ruining my credit with lies. Here is the company information for both. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Axcess Financial XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Affirm Holdings, Inc (MD)

Over the last six months AFFIRM denied me credit on the basis that they could not confirm my identity. I have checked my credit report with XXXX, which is the credit bureau they use according to several of the agents Ive spoken with, and my personal information is updated and true. However, AFFIRM continue to allege that they cant verify my identity. 
On XX/XX/XXXX, I received a copy of a Decision to deny credit based on a credit report from XX/XX/year>. 

It is my belief that AFFIRM is using outdated credit reports for credit line approval, which it's not a business legal practice.
Consumer complaint received 2023-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MA)

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 2024-04-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX ) XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-02-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CARS Acquisition, LLC (SC)

On or abouXXXX XXXX/2024, I reached out to all three credit bureaus ( XXXX, XXXX, XXXX ) to dispute inaccurate information on my credit report. Upon me providing them verification they advised that my information provided was incorrect. In addition, several accounts on my credit report is not my information to include, education loans, previous addressed, cell phone vendors account, previous educational institutions. Lastly, there are several inquiries on my account for auto dealerships that I have never applied to all of which I have requested to be removed and the creditors fail to do so and take my information and update the records to reflect the information I gave so as to insinuate that the collections on the account are mine.
Consumer complaint received 2024-01-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Mr. Cooper Group Inc. (MA)

When I had my previous mortgage company I was allow to pay with different methods. Y went online to make payments with my credit cards and the system said I needed to change methods payment. When I did it didnt let me pay with my credit card and now is not allowing me to setup automatic payment on the XXXX of every month like my previous company allowed me too for the last 9 years.
Consumer complaint received 2024-01-29
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Firstsource Business Process Services, LLC (IA)

Received a letter from a company called One Advantage, LLC, They claim that I owed money ( {$1000.00} ) and asked me to pay {$150.00}.

I never heard of the medical company they referenced, never had service from them.

This is clearly a scam that is trying to take advange of persons who may have medical debt ( many people do given the cost ).

I am reporting it so that others are not harmed by this scam.
Consumer complaint received 2024-01-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (FL)

I keep getting letters in the mail from a collection company in regards to this debt. It is not mine. I did not open the account, nor did I authorize it. I contacted the company through consumer finance.gov requesting proof of the account along with my signature and all the information in regards to this account, and when it was opened, which was never provided. 
I requested original documents, dates, signatures, and nothing has been provided. This account was opened due to identity theft, which I have attached the identity theft report as well.
Consumer complaint received 2024-04-27
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: EQUIFAX, INC. (PA)

Upon checking my credit report I see inquries that I did not give permissible purpose to furnish or use my private and perosnal information for financial gain. This is identy theft violation 15 USC1681b ( 2 ). Below are the 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 XXXX XXXX EQUIFAX & XXXX IS ALL REPORTING THESE INQURIES.
Consumer complaint received 2024-01-29
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Unexpected or other fees — 
Company: JPMORGAN CHASE & CO. (CA)

I was expecting a XXXX refund to my Chase credit card from my foreign purchase in XXXX in the amount of XXXX XXXX. On XXXX XXXX, I received the amount of XXXX XXXX for the refund. Since XXXX XXXX rate seems incorrect, I called Chase customer service and they told me I have to wait till XX/XX/XXXX to know the conversion rate and it will show up on my credit card statement. 

I checked with the institution that initiated the refund. They confirmed that the amount refunded is XXXX XXXX and provided me with the receipt of the transaction. They told me that the conversion happens on the banking institution. 

I waited till XX/XX/XXXX, but there was no exchange rate nor source amount on my statement. I called Chase again, and this time the agent told me XXXX XXXX rate was XXXX XXXX XXXX XXXX XXXX, so I should be expecting XXXX XXXX XXXX XXXX XXXX XXXX. Observing the significant difference, the agent told me that she will file a investigation to look into this. After XXXX XXXX  of waiting, I called Chase again for the status of the investigation, and this time the agent told me that the amount Chase received was XXXX XXXX, which is much less than the refund amount ( XXXX XXXX ) the merchant confirmed with me. When I asked her to provide me with the documentation from Chase, she refused to provide it.
Consumer complaint received 2024-01-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: U.S. BANCORP (PA)

On XXXX, I opened a US Bank Business Checking " Silver '' account. I did so because I was seeking a new business checking account, and because US Bank was running an attractive promotion for business checking accounts at the time.

To fulfill the requirements of the promotion, I deposited {$15000.00} into the account on XXXX, and withdrew the {$15000.00} from the account on XXXX. ( As a result, in accordance with the terms of the promotion, I made " new deposit ( s ) of at least {$15000.00} in new money deposits ( Direct Deposits, ATM/Branch Deposits, Mobile Check Deposit, ACH or Wires ) within 30 days of account opening and thereafter maintain a balance of at least {$15000.00} until the XXXX day after account opening. '' To this day, my account has remained open and with a positive balance. 

To date, US Bank has not deposited the {$750.00} promotion into my account, despite me fulfilling all of the terms listed in their promotion at the time. 

I have reached out to US Bank customer service on several occasions via phone ( I do not recall the exact dates of these calls ), and they told me that I didn't include the promotional code in my application. However, I have a screenshot of my application that I took during the time of my application showing the code ( " XXXX '' ) applied and entered into the appropriate field. I have not heard back from customer service since sending this information over to their customer service email, as per their request. 

On XXXX, I contacted the closest US Bank branch via phone and explained the situation. I forwarded the aforementioned screenshot via email ( as per their request ) and waited to hear back. 

I followed up with the closest US Bank branch via email on XXXX. I received a reply, saying in part " [ management is ] actively looking into this. Since it is an expired promotion, it is taking some time to get results. '' I followed up once more with the same branch via email on XXXX, and have yet to hear back. 

I possess the screenshot of the promotional code applied to my application ; the terms of the " XXXX '' promotion that state the promotion being valid through XXXX ; and the email correspondance pertaining to my communication with the branch thus far. I am willing and able to provide these documents if needed.
Consumer complaint received 2024-04-05
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: Experian Information Solutions Inc. (MA)

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 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. These are the 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 I need these information removed because all these are wrong. Please remove them immediately! 
Incorrect Name - XXXX XXXX XXXX - I need these information removed because all these are wrong. Please remove them immediately! 
Incorrect DOB - XXXX - I need these information removed because all these are wrong. Please remove them immediately! 
Incorrect Address - XXXX XXXX XXXX, XXXX, MA, XXXX Incorrect Address - XXXX, XXXX, MA, XXXX - I need these information removed because all these are wrong. 
Please remove them immediately! 
Incorrect Address - XXXX XXXX XXXX, XXXX, MA, XXXX - I need these information removed because all these are wrong. Please remove them immediately! 
EMPLOYER - XXXX XXXX I need these information removed because all these are wrong. Please remove them immediately! 
EMPLOYER - SELF - I need these information removed because all these are wrong. Please remove them immediately!