davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-22
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY (NC)

I have had the Wells Fargo Bank for more than 10 years but have never set up any brokerage account with Wells Fargo. The hacker set up a XXXX account with wrong profile information under the saving account owner name, and transferred saving account money to this XXXX account and caused insufficient fund for this transfer process. Once the owner account was locked from the claim report to the bank on XX/XX/2023. During frozen period, This XXXX  account still have XXXX activity including non-frozen period. I did double-check the monthly statement of my savings and the XXXX ( XXXX ) accounts. All of the trade activity date was abnormal under my account was frozen period. 
All of the evidence from the Wells Fargo Bank can't identify this hack from the account owner computer because IP, XXXX, and location can't match what the Wells Fargo 's offered IP. It needs to invest further. 

XXXX XXXX
Consumer complaint received 2023-01-05
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: EQUIFAX, INC. (KY)

This is my XXXX 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 alleged fraud or extortion. 



XXXX XXXX XXXX XXXX Balance : {$7100.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$300.00} ; XXXX  XXXX Balance : {$64.00} ; ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$85.00} ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-06-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (SC)

I have a high interest rate small balance on a CARE CREDIT SYNCRONY bank card. XXXX  XXXX XXXX attempted to do a balance trasnfer for me over 2 months ago, and it never posted. I called CARE CREDIT and was told they do not do electronic balance transfers and had to make a payment and was charged a late fee. They said they would accept a balance transfer check from XXXX and provided an address to send the payment to. XXXX sent a balance transfer check to CARE CREDIT on XX/XX/XXXX for the payoff of {$610.00} and some change. On XX/XX/XXXX, I received a letter from XXXX stating that CARE CREDIT had not applied the check they issued and to please call them and find out why. CARE CREDIT HAS NOW stated they never received the check and that it was mailed to the wrong address. THE CHECK WAS MAILED TO THE address they provided. So now, I am going to be charged ANOTHER late fee and need to pay ANOTHER payment since they can not accept a balance transfer and THEY PROVIDED ME THE INCORRECT ADDRESS TO MAIL IT TO!!!! I was given a XXXX address by the person I spoke with on XX/XX/XXXX, and yesterday, the lady says it's XXXX FL!!!! I asked for a supervisor and was left on hold. I am getting the run around because I am trying to pay off my account with a zero interest rate account.
Consumer complaint received 2023-01-21
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. (GA)

This letter is regarding account # XXXX, which you claim I owe {$870.00}. This is a formal notice that your claim is disputed. 

I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. 

Please also be aware that any negative mark found on my credit reports ( including XXXX, Transunion and XXXX ) from your company or any company that you represent, for a debt that I don't owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 

Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 

Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking a minimum of {$1000.00} in damages per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 

P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc : XXXX XXXX XXXX
Consumer complaint received 2022-11-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CORELOGIC INC (MI)

There are 3 inquiries that I am not aware of, nor did I sign anything to pull my information. 

Credco XXXX XXXX XXXX XXXX  XX/XX/XXXX, AND XX/XX/2022 2022
Consumer complaint received 2020-08-06
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Idaho Housing And Finance Association (SD)

Loan Servicing Company is HOMELOANSERV We mailed our mortgage payment in the form of a cashiers check form our bank on XX/XX/XXXX. On the XX/XX/XXXX we received a letter from HOMELOANSERV stating that our XXXX  payment was not received and now late. I contacted the company and they requested for me to send them a copy of the check front and back to their support email. I did this on XX/XX/XXXX. I checked my online account at HOMELOANSERV 10 days later to see that the payment issue had not been resolved. On Monday, XX/XX/XXXX I called the company again and resent the email of the proof they requested. The person I spoke with told me that it was taking longer than usual but support should have the issue resolved within a few days. 
Today we received another letter stating that they where reporting us negatively to the credit bureaus so when my husband spoke with them over the phone, they said we needed to send another payment for XXXX until they resolved the issue. I faxed the proof they requested today along with a letter that included the issue, our loan number, our address and phone numbers. 

I feel like this company is trying to rip us off almost {$1300.00} and are taking advantage of us, or trying really hard to. But we have proof they took our check and cashed it before it was late and are refusing to credit our account for it.
Consumer complaint received 2024-01-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Before volunteering to pay off credit card, I called XXXX XXXX XXXX and they agreed that once they received payment that they would delete the account from my credit profile, because it was reporting negatively. I paid them as promised and they never deleted the account. I have disputed the account several times and they still have never deleted the account as agreed.
Consumer complaint received 2020-08-06
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. (AR)

I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/DEPT OF ED XXXX XXXX/DOFED XXXX XXXX/DOFED XXXX XXXX
Consumer complaint received 2020-08-06
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (MO)

Equifax, XXXX  and XXXX  is not following the rules of the Fair Credit Reporting Act. I disputed 4 accounts on my credit reporting XX/XX/2020. In my response from the credit bureaus through CFPB it stated that they require more time to investigate. This is now XX/XX/2020. That's too long for investigation or to receive verification of a debt.
Consumer complaint received 2023-02-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: LEXISNEXIS (MI)

On XX/XX/2023 I sent a dispute via USPS certified mail to Lexis Nexis asking them to update my personal information and remove all wrong names, old addresses, phone numbers, emails, etc. According FCRA 15 U.S.C. 1681 602 ( A )... I have the right to privacy. Also FCRA 15 U.S.C. 1681 604 ( A ) 2 states ... '' a consumer reporting agency, ( Lexis Nexis ), can not furnish an account without my written instructions. I did not authorize any company to access my consumer disclosure report/credit score. I do not have nor want any requisite names, aliases, and/or other inaccurate information to be retained on my report without my written consent. I never received the receipt from Lexis Nexis saying that they received my mailing.
Consumer complaint received 2022-11-04
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A. (TX)

On XXXX XXXX Home Depot called my number at XXXX XXXX. The call was automated stating " this is an attempt to collect a debt. '' This is a violation of 15 USC 1692 ( b ). I prompt to get a live operator on the phone and its a man. He wants to know if I was willing to pay.the debt. I told him what are you prepared to do if I don't pay. He replied by saying we will continue to call and charge late fees. Which is a violation which constitutes threatening language. I said are you telling me that I owe you this amount. A violation of 15 USC 1692 ( d ). I then asked him who gave him yo location information. He refused to reply. A violation of my right to privacy. 15 USC 1692. Finally he called me while I was doing business. A violation of my rights. I immediately sent this letter to the CEO of Home Depot it is the attachment.
Consumer complaint received 2020-08-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I tried to call Trans Union credit agency ( on hold/no answer ) on XX/XX/XXXX to have 3 credit inquiries removed from my credit. I have had a credit freeze on my credit report since XX/XX/2020. They said they could not be removed.

1. XXXXT otal
Visa Inquiry Date : XX/XX/2020 2. XXXX XXXX XXXX Inquiry Date : XX/XX/2020 3. XXXX XXXX XXXX Inquiry Date : XX/XX/2020
Consumer complaint received 2022-11-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Maximus Federal Services, Inc. (IA)

I requested a refund from Aidvantage for all payments i made on my loans from XXXX XXXX. They reinstated my loan balance on XX/XX/27, but they said it would take anyway 8-12 weeks for then to provide me the refund in my bank account. That will not work if that forgiveness is blocked, because then interest will kick back in and i still won't have my refund to pay my loan off again.
Consumer complaint received 2020-09-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX Account XXXX is showing as closed. Account is not closed. Account is active. Previously addressed with Transunion on XX/XX/XXXX and XX/XX/XXXX. Previous CFPB Complaint XXXX dated XX/XX/XXXX did not resolve issue. Information is still incorrect. I have attached copy of XXXX statement dated XX/XX/XXXX. showing account is open. I have included copy of credit report dated XX/XX/XXXX.
Consumer complaint received 2020-09-27
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: WELLS FARGO & COMPANY (TX)

In XX/XX/XXXX, I purchased two XXXX XXXX and in XX/XX/XXXX, I purchased the XXXX XXXX XXXX. The companies I purchased these products from offered financing through Wells Fargo Home Projects. The XXXX XXXX were financed through a XXXX promotion. Wells Fargo automatically determined the minimum monthly payment of {$310.00}, which was stated on my monthly statement. If I paid this minimum monthly amount, I would payoff the loan in 48 months with no interest due. Both project loans were rolled up into one account and monthly statement. 
Unbeknownst to me, the XXXX XXXX XXXX was not set up in the same manner. Wells Fargo set the minimum monthly payment of {$76.00} instead of {$180.00}. When the 12 month period expired, I still owed {$1200.00} at an interest rate of 28.99 %. I did not notice this until XX/XX/XXXX and immediately called Wells Fargo Customer Service to rectify the situation. While I believe Wells Fargo 's actions of not treating the two loans in the same manner to be dishonest and fraudulent, to prevent being charged another month of interest, I asked for the balance of the Leaf Filter System loan. I was told by XXXX, a supervisor of in the Wells Fargo Customer Service department on XX/XX/XXXX that the remaining balance was {$1500.00}. I immediately mailed in a check for that amount and included a note to apply this check to the expired loan ( XXXX XXXX XXXX ) and requested a letter stating that the loan had been paid off, which was never received. I have since received a statement from Wells Fargo stating that I still owe {$480.00} for the XXXX XXXX XXXX loan. Wells Fargo 's justification for this additional charge is very vague and no documentation to support this additional charge. Therefore, I am disputing this additional charge.
Consumer complaint received 2020-09-28
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I was offered a special bonus. I was offered {$450.00} bonus if I deposited XXXX or more before XX/XX/2020 in my account ending in XXXX. The bonus was too be credited if I maintained the balance till XX/XX/2020. I fulfilled the requirements and the bank is not giving me my bonus.
Consumer complaint received 2020-09-28
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Can't contact lender or servicer — 
Company: CITIZENS FINANCIAL GROUP, INC. (FL)

I bought the car when I lived in the state of virginia it was financed by citizenone loan number XXXX and the title is found on the website XXXX the dmv of the state of florida has requested and this server the transfer of the title to the state of florida and my title support does nothing, I have confirmation number XXXX, and the last 4 are, XXXX and nothing to do the transfer, I am No tag, I can't use that car and I have to pay for it. 

my title support says to contact me by email and they don't have it on their website. 

The bank does nothing as long as you visit the mytitlesupport website. 


That is my complaint. 

Thank you XXXX XXXX
Consumer complaint received 2020-08-06
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: JPMORGAN CHASE & CO. (PA)

This complaint is regarding a disputed charge of {$410.00} on a Chase Bank credit card for a purchase that was made on XX/XX/2020 by my spouse and I for tickets to a baseball game that was delayed by the Corona virus and eventually cancelled and not rescheduled. After unsuccessfully negotiating with the ticket source ( XXXX XXXX  XXXX. ) for a refund we contacted Chase Bank in an attempt to resolve the issue. Chase Bank has been unwilling to issue a chargeback for this purchase and refund our money. They have on three different written occasions maintained that the transactions are valid and no billing error has occurred. 

The PDF file included with this complaint provides background information which includes on page 1, the latest response from Chase Bank which we received XX/XX/2020. This reiterates their previous reply ( dated XX/XX/2020 ) which states in part, While you may have a valid complaint with the merchant, the results of our additional review confirm that the transactions are valid and no billing error has occurred. They closed their letter with the following comment : Because we have conducted a thorough additional review of your dispute and can not find a valid billing error, we will not respond to future correspondence from you about it. 

The PDF file also includes on pages 2 & 3 somewhat detailed information provided in our reply to the XX/XX/2020 Chase Bank letter. Page 4, the XX/XX/2020 Chase Bank letter. Page 5 is the XXXX XXXX   order receipt. Page 6 is the order confirmation from XXXX XXXX. Page 7, XXXX XXXX  order update. Page 8, XXXX XXXX article. Page 9, XXXX XXXX update. Page 10, XXXX XXXX Corona virus impact statement. Page 11, XXXX XXXX EMAIL offering us store credit with no option for refund. 

In summary, we paid XXXX XXXX {$410.00} for tickets to a ballgame that was never played or rescheduled, and was eventually cancelled.. Nothing, no tickets, or other services were received from XXXX XXXX. No actual physical tickets, electronic tickets, or any service whatsoever were ever provided to us by XXXX or the original ticket owner/seller. Because the product/services purchased were not received by us or made available for us to use, the transaction simply should not be valid. Chase Bank should issue a chargeback for this purchase and refund our money.
Consumer complaint received 2020-08-06
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: JPMORGAN CHASE & CO. (TN)

On XX/XX/2020 there were 4 charges totaling {$550.00} from XXXX that Chase Bank ( phone XXXX ) flagged as fraud on my Chase Freedom credit card and shut down the card. I spoke with the Chase Fraud Dept. explaining that I did not make or authorize the charges. On XX/XX/2020 Chase reversed the charges from my account. 

Subsequently on XX/XX/2020 Chase reapplied the charges to the account. When I spoke with their fraud department again, they explained that following their investigation they noticed that we had prior purchases from XXXX so they assumed the charges to be valid. 

If they had actually investigated this, as they stated, they would have found that : 1 ) We have never used XXXX, which is a food delivery service 2 ) The actual charges make no sense because the charges indicate a purchase of {$550.00} on four separate purchases on the same day all for sushi, for walk up service ( note XXXX is a DELIVERY service ) 3 ) Chase was the one who first identified the charges as fraud and notified us.
Consumer complaint received 2020-08-06
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. (AR)

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. XXXX XXXX XXXX {$430.00} XXXX   XXXX {$1000.00} XXXX, XXXX XXXX {$240.00} XXXX  XXXX {$740.00} XXXX/XXXX  XXXX {$460.00} DPT ED/XXXX XXXX {$450.00} DPT ED/XXXX XXXX {$21000.00} USDOE/XXXX  XXXX {$420.00}
Consumer complaint received 2020-08-06
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. (AR)

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. XXXX XXXX XXXX {$430.00} XXXX   XXXX {$1000.00} XXXX, XXXX  XXXX {$240.00} XXXX XXXX {$740.00} XXXX/XXXX  XXXX {$460.00} DPT ED/XXXX XXXX {$450.00} DPT ED/XXXX XXXX {$21000.00} USDOE/XXXX  XXXX {$420.00}
Consumer complaint received 2024-02-27
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (NY)

I am writing regarding a recent discrepancy on my credit report. Upon reviewing my credit history, I noticed that there is a late payment recorded on my credit card account with your company. I am writing to dispute this late payment and request its removal or correction from my credit report. XXXX XXXX XXXX