davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-08
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: CAPITAL ONE FINANCIAL CORPORATION (AR)

I got in to a auto accident and XXXX XXXX XXXX took over the fact and agreed to fix my car and get me a rental I told them I needed a sub because I have XXXX XXXX  they said no the compact car was all they would get I said OK so they rented the car from XXXX XXXX charged me a XXXX XXXX cleaning fee I agreed to. Told them not to charge anything else to my card because I did not have the funds to cover it they said OK XXXX XXXX XXXX was covering it XXXX did not pay for all of it only a portion XXXX  charged my card {$1500.00} to cover the amount after I told them do not change any thing other than the XXXX XXXX cleaning deposit that I agreed to I filled out an dispute on the charges with mastercard in XXXX they said they would send me a letter in mail of all the documents that they need the letter never showed up so I called the in XXXX to send me another paper got it XXXX sent in all the documents that I had even a email from my lawyer to XXXX were XXXX  agreed to pay but did not so I contacted mastercard again in XXXX the lady said that the dispute was over the 90 days all I could do was write a letter and email to mastercard and thay would contact me back nobody ever did I called again in XXXX the same thing happened contacted again in XXXX thay said thay could not do anything about the charges even though thay raised my credit limit to cover the charges without my permission and the charges that told XXXX do not charge to my card mastercard told me thay couldn't do anything about the change that I had to pay it and she said she couldn't help me any more she was spinning her wheels and hung up on me when I called back after type in my card number thay decided the call three times XXXX charges my card after I told them not to Mastercard raised my credit limit without my permission and did everything they could to avoid helping me with the charges thay accepted without my permission are knowledge XXXX committed credit card fraud so did Mastercard and this seems to be OK with everyone but me I'm XXXX  and a XXXX XXXX and a XXXX XXXX who is off on workman 's comp with a XXXX  XXXX XXXX don't know when i can go back to work I'm doing everything I can to pay for everything but I can not afford to pay for a charge that didn't have my permission are knowledge thank you for you help
Consumer complaint received 2023-09-28
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BMO Bank, N.A. (NY)

Bank of West. Routing. # XXXX account. XXXX My email was highjacked and bank info changed to above. I called Bank of West They said if company name intended to receive money did not match recipient account, wire would be returned. Later XXXX ( my bank ) formally asked for return of wire. Bank of West said recipient refused. Closed case!
Consumer complaint received 2022-10-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

On XX/XX/XXXX I received several calls for Kohl 's with no message left. I called them and was told I had a balance due of {$130.00}. Paying this today would bring the balance off. I stated to the representative I never received any statement from Kohl 's since my purchase in XX/XX/XXXX. That my email addres and phone are correct, but no one has previously reached out to me or mailed me a statement. 
I made the payment on line using my XXXX card and paid {$130.00} at XXXX XXXX PST. The confirmation email I recieved confirmed the payment coming out of my account on XX/XX/XXXX. Email confirmation stated the next business day it would be posted XX/XX/XXXX, if I had paid before XXXX. I paid XXXX PST, which is XXXX XXXX EST. Well before the XXXX cut off time. 

I wrote a note to the agent on line, stating once again I never received the statement. Have always paid my bills in full previously. I have worked very hard to make everything is paid up on time. At XXXX XXXX the agent took off the {$29.00} late fee from the account. That leaving the balance at {$110.00} For some reason, then reversed my payment of {$130.00}. I would have had a {$1000.00} balance on my card. Instead they added {$40.00} in late fees on XX/XX/XXXX and {$3.00} interest on XX/XX/XXXX. 

Now I am told I owe {$150.00}, with {$61.00} past due on my account. I paid in good faith on XX/XX/XXXX this was settled. Capital One, its affiliated banks and Kohl 's have reported my lateness to the credit bureaus. I did what was asked to pay my bill in full. They choose to change the rules after doing so. I paid in good faith to clear up my account. I only just received a stated from Kohl 's on this new payment. I have written XXXX and Kohl 's Corporate as well as the Inspector General of the US Postal Service, as I have had much of my mail not forwarded from a previous post office box in XXXX XXXX or my home to my new mailing address. I never recieved my ballots, and money orders missing in the mail. 
I have documentation to Kohl 's and XXXX. New statement information on Kohl 's shows they reveresed the charges after I paid them and then billed me more late charges and interest.
Consumer complaint received 2023-11-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (FL)

I have about 50 emails regarding an investigation about addresses that were mistakenly deleted from my credit profile. I have reached out to Experian, which is extremely hard to do, which I believe they make it that way on purpose to discourage consumers. I've uploaded all information necessary to prove that the 2 addresses I need added back are mine. I've called them just about every day starting from maybe the 2nd week of XX/XX/ until XXXX XXXX I'm on the phone with them now, yet again, requesting to speak with a supervisor. They always say that one will call back and they've never called back. I have so many case numbers it's too much to type. Should they need to be provided I do have them in my email. They tell me to wait 24-72 hours. Waiting weeks and nothing is being done about the information on my credit report. It's keeping me from obtaining much needed credit/employment. No one there in a supervisory role seems to care of make even the slightest of efforts to rectify the situation. XXXX was supposed to call back, never did. This has been an ongoing issue and I need the CFPB to do something about it. If it's happening to me, that must mean it's happening to many other unfortunate people. At this point, we are relying on you all as the CFPB to do something about this because CLEARLY Experian does not have the capacity to do so.
Consumer complaint received 2024-04-25
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 (CA)

The situation is that I purchased shoes from XXXX XXXX  and wells fargo is refusing to refund me and denied my dispute. They did not provide any clear information on why the claim was actually denied. When speaking to a manager with the dispute center for wells fargo named XXXX told me what was said on my initial dispute and we could tell that the agent who filed the claim did not put all of the pertinent information on the claim thus altering the outcome of my claim. XXXX listened to the initial phone call and told me she heard all of the information that I told the agent, however they were sticking with their decision to deny my dispute for these shoes that I'm not able to wear and are in used condition even when the merchant XXXX  XXXX  told me that they werent used. The first time I went to put them on after buying them the shoe lace ripped, these shoes were XXXX and are XXXX  brand. Nothing fancy either a regular shoe that appears breathable, but it's actually not and has a band that you can not see unless you feel for it, this band was crushing the veins on my feet also. I just want a full refund I tried to return these shoes and the merchant refused. It felt like the bait and switch, I know times are tough, but this is not ok. I filed this claim in XX/XX/2023 and they took all the way until XX/XX/2023 to deny it without reason. I want the CFPB to publish this description so that others can learn from my experience and think XXXX  before doing business with wells fargo or XXXX XXXX. Couldnt and wouldnt recommend either after this experience, such trash customer service on both ends and the negligence of the wells fargo dispute center with my claim has left me not wanting to do business with wells fargo ever again.
Consumer complaint received 2023-09-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (CA)

On Monday, XX/XX/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX The perpetrator ( an online conversation, false persona whom I agreed to meet in person ) used my phone-to-face identity to get into my Chase College Checking Account . He stole/transferred {$500.00} and initiated a wire of {$5000.00}. I was able to escape after a few hours and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

The following morning, XX/XX/XXXX  I was at the bank with my mother as soon as the bank opened up. They were successful at stopping the {$5000.00} wire transfer. On the matter of the {$500.00} it has not been returned to my account as they are refusing it. I have provided the bank police reports and have had to relive the nightmare and tell the story to at least five or six different Chase  representatives who kick the can to someone else or just say they won't give me the money back. I am a XXXX XXXX XXXX  who has targeted by a really bad person and I don't have it in me to keep going around in circles with a bank that is not abiding by the law regarding fraudulent charges made under duress -- Regulation E unauthorized transfer where consumer has been induced by force.
Consumer complaint received 2023-04-26
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. (TX)

Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days.

See the documents attached.
Consumer complaint received 2023-09-05
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 other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their 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, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$250.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$16000.00} ; XXXX XXXX XXXX : {$6100.00} ; XXXX XXXX XXXX  XXXX XXXX : {$1500.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX XXXX : {$4000.00} ; XXXX  XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$480.00} ; 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
Consumer complaint received 2023-11-10
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. (VA)

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 2023-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their 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, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XXXX XXXX XXXXlance : {$250.00} ; XXXXXXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$16000.00} ; XXXX XXXX XXXX : {$6100.00} ; XXXX XXXX XXXX  XXXX XXXX : {$1500.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX XXXX : {$4000.00} ; XXXX  XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$480.00} ; 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 XX/XX/XXXX XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2024-05-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (FL)

On the evening of XX/XX/XXXX I received a phone call from someone posing as a Wells Fargo employee calling from the XXXX Wells Fargo line. I was told that there were fraudulent transactions on my checking account and that my funds needed to be moved to a safer location temporarily. I was instructed to transfer XXXX increments of {$2000.00} totaling {$10000.00} to another account that I thought Wells Fargo had set up for me for this. Normally, if I were to make any kind of a large purchase or transaction I would receive a notice from Wells Fargo asking if these were transactions made by me or not. Had Wells Fargo alerted me to these fraudulent transactions I would have known immediately that I was being scammed. Wells Fargo was silent, I never received a warning by text as I normally would. The transaction stayed on my account and now Wells Fargo is denying responsibility. I have filed reports with the police, the FTC, the Social Security office and all three nature credit bureaus.
Consumer complaint received 2023-01-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 has violated my rights. 

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 2022-10-18
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. (FL)

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 from erroneous reporting in my file are listed on my credit report : XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX
Consumer complaint received 2022-10-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX account # XXXX, has violated my rights. 

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.
Consumer complaint received 2023-07-20
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. (NY)

This is my one of my numerous 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, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX and XXXX  XXXX XXXX.
Consumer complaint received 2024-05-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: WELLS FARGO & COMPANY (TX)

I have received several letters from Wells Fargo in the last 30 days, starting on XX/XX/year> and the most recent letter on XX/XX/XXXX, and there were at least 2 other letters and they are stating different and confusing statements concerning ( flood insurance, hazard insurance and escrow accounts, that state there were escrow accounts and insurance policies purchased or sent up for me for my mortgage account on my manufactured home.I have had and I have maintained home owners insurance on my home for the entire length of my loan with Wells Fargo and the insurance company sends a notification every year to Wells Fargo that I have an active insurance policy and that this policy has flood and hazard coverage.Wells Fargo continues to purchase policies and escrow accounts without my authorization and then after I call to question why they have done this, they apologize and tell me not to worry, then a few days later I receive another letter saying something different, so at this point I don't know exactly what is going on with my account! I am supposed to have an escrow account to pay my county and school taxes and I pay my home owners insurance myself, so I don't know what other escrow accounts Wells Fargo is setting up or why?