davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: GLOBAL CLIENT SOLUTIONS, LLC (AR)

I have been working with XXXX  XXXX Global Holdings LLC since XXXX to pay off the debt on my XXXX, XXXX XXXX  and XXXX. 
On XX/XX/XXXX I did a one-time wire transfer payment to Global Holdings LLC per agreement, confirmation # XXXX in the amount of {$5800.00} to settle the two remaining credit cards, XXXX and XXXX Bank XXXX XXXX any remaining fees involved with XXXX  XXXXGlobal Holdings LLC. I spoke with XXXX, along with several other representatives. There were to be NO more drafts out of my bank account. On XXXX, XXXX XXXX drafted another {$270.00} from my checking account, which I found out when I went to buy groceries and had no money in my account. I called Global Holdings right away, they were closed. When I called them on XXXX, I ultimately spoke to XXXX again, she said she would have to look at my account, she would put a stop to any further withdraws, but will have to have the department look into the draft and put in a XXXX and they will refund whatever amount is remaining after they look at their numbers. Throughout this entire program, the amount of fees and incidental charges that were done by Global comparative to what actually went to the Credit Card companies are quite askew, I feel as though I have been taken advantage of not only by excessive fees, but by additional withdraw from my bank account after a settlement agreement was made by both parties and I had wired the agreed amount of {$5800.00} to Global Holdings LLC per their direction on XXXX.
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions 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.

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 2020-12-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I am in the process of fixing my credit but XXXX has totally blocked me from checking my report or reporting any errors on their site. Trans Union is also blocking my free annual report as well as XXXX. I am unable to obtain my account numbers to properly dispute making it impossible to fix any errors on my report. I can not obtain my free annual report from all 3 of these sites.
Consumer complaint received 2020-12-24
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: U.S. BANCORP (DC)

I have a Washington DC US Bank reliacard account in which it doesnt seem that the retained earnings from previous months are carrying over into the next month. I know that is {$11000.00} in the account based on income versus expenses but theres nothing left over like can I complain earnings. Even though Ive done the math on the competitions they are refusing to add back the code saving everything I need that work or should essentially be in the bank.
Consumer complaint received 2017-03-10
Product: Debt collection — Federal student loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Navient Solutions, LLC. (MI)

I have  XXXX  federal loans that have been closed for awhile but still on my credit report i have asked several times for these to be removed due to they are not mine mine are from depat of ed not   XXXX   XXXX   and three letter request and still they will not remove them i have asked for doucments proving they are mine and they send me nothing in return. this is hurting my score by having them on there and i have a consolidated loan so  having  XXXX  lo ans on my credit report when i only have one consolidated loan is not correct or appropriate.
Consumer complaint received 2023-05-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (FL)

Funds were not disbursed as promised. Chase notified me via phone call that my monies would be sent via check in the mail, since my account was mistakenly closed due to supposed fraud after I deposited a check from my employer XXXX which they later confirmed was legitimate, and in fact there was no fraud. A Chase customer representative apologized and promised my funds would be sent via check to my mailing address, yet to this day I have never received it. 

Chase Personal Checking Account was opened in XXXX. 

What really scares me is theres a huge online community of previous Chase account holders against Chase Bank. And thats not even the scary part yet. There seems to be an underlying theme that Chase Bank associates account holders with supposed fraud and closes their accounts, ultimately freezing their funds permanently not allowing the account holder access to their hard earned money. I just want my money back from this institution, and in return I will not open a lawsuit against them. They closed my account without notification, XXXX. I was in severe financial hardship. They took everything. Giving back my funds is the least they can do.
Consumer complaint received 2023-05-22
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Meridian Financial Services, Inc. (FL)

I had purchased a resale timeshare at XXXX XXXX in XXXX Hawaii from their resale office. I was led to believe that when I was finished with the timeshare or just did not want it anymore that I could resell mine through the same office I purchased it from. In late XXXX I contacted XXXX XXXX in an effort to resell my timeshare. I was told the resell office no longer exists. I then told them they could have it back for free because I was no longer interested in the property. They said no thanks and that if I didn't pay, that they will be turning me over to collections. That they did. The collection company name is Meridian Financial and I guy named XXXX calls me every month.
Consumer complaint received 2020-12-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I credit score. want to open an investigation and solve my problem because is affecting my Credit Score.
Consumer complaint received 2023-10-16
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY (KS)

I opened an account with Wells Fargo on XX/XX/23 under the premise I would be receiving a {$320.00} checking account bonus for qualifying activities. These activities include a {$25.00} opening deposit and {$1000.00} of direct deposits within 90 days. I have let these requirements as outlined by the timeline below. 

XXXX opened account XXXX opening deposit XXXX qualifying direct deposit by employer in the amount of {$1800.00} ( XXXX  ). 

I called Wells Fargo twice on XX/XX/23 and was told by XXXX different customer service agents that I did not meet the requirements. After mentioning that I did indeed receive a paycheck via direct deposit on XX/XX/23, both agents agreed and stated they had overlooked that. However, neither could confirm Id be receiving my bonus despite meeting requirements. Supporting documentation attached including Wells Fargo indicating my direct deposit was indeed qualifying. Includes sign up offer code XXXX applied upon online sign up.
Consumer complaint received 2020-12-26
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY (CA)

I was working with Wells Fargo to get a home loan. Wells Fargo XXXX XXXX branch didn't respond to my inquires on about the process. The lack of communication and their lack of understanding the requirements for a loan on a manufactured home. XXXX XXXX didn't communicate with me after multiple calls, emails and texts. She repeatedly informed me the loan would be approved on multitude occasions. The team had two appraisals scheduled and wasn't aware they both got accepted. XXXX XXXX go involved and was disrespectful in his communication to me and my real estate agent. 
XXXX XXXX called to tell me that Wells Fargo would not provide the loan for the property. He could not give me specific reasons why the loan would not be funded. I asked for the details of why the loan was rejected to be emailed to me and I never got an answer. 
I have since found another lender and asking to have the appraisal released to me and the new lender. Wells Fargo will not release my appraisal i paid for.
Consumer complaint received 2023-04-04
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: WELLS FARGO & COMPANY (TX)

I felt pressured to buy gap insurance in the beginning of my auto loan. 
Also my interest rate was high and tried to lower it a few times durning my loan. I did get them to auto skip a payment each year. But that extend my loan
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MD)

I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified.
Consumer complaint received 2020-12-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: MUFG AMERICAS HOLDINGS CORPORATION (MN)

Union Bank has a broken interest rate calculation system that is charging consumers interest on purchases they did not make. Union Bank also has a promotional balance payment allocation system that is by design making it very difficult for consumers to pay off promotional balances before they expire when they have more than one promotional balance of the same interest rate. 

I have spent hours researching this issue on my credit card statements and have reported these two distinct issues to the company on three separate occasions and as of yet none of the {$33.00} in interest that has been incorrectly charged to my account since XX/XX/XXXX has been refunded. 

Issue 1 : Union Bank is charging " Interest on Purchases '' and " MINIMUM INTEREST CHARGE '' when there were no purchases made and the account has a {$0.00} purchase balance. Since XX/XX/XXXX I have been charged {$1.00} on " Interest on Purchases '' when I had a XXXX  purchase balance. I have also been charged a total of {$5.00} in " MINIMUM INTEREST CHARGE '' for which the company has had no explanation. Union Bank only agreed to stopping charging me this erroneous " MINIMUM INTEREST CHARGE '' monthly interest charge after I complained in XX/XX/XXXX, but as of yet none of the interest charged has been refunded. 

Issue 2 : On XX/XX/XXXX I had a promotional 0 % APR balance of {$3000.00} that was set to expire in XXXX of XXXX. On XX/XX/XXXX after making a total of {$0.00} in purchases and {$2600.00} in payments I had expected to have the promotional balance almost paid off, but my XX/XX/XXXX statement still showed a balance of {$1800.00} remaining. I called Union Bank twice on XX/XX/XXXX to ask why after making {$2600.00} in payments and no purchases was only {$1100.00} in payments were made towards my promotional balance expiring this year. On the first call I was told the {$1400.00} in payments I made had been put towards a 0 % promotional balance expiring in XX/XX/XXXX and not towards the 0 % promotional balance expiring in XX/XX/XXXX. When I asked why they would put the majority of my payment towards the promotional balance with the later expiration date I was told this is just how their system calculates it. When I informed them that this gave consumers very little ability to pay off promotional balances before they expired and asked to talk to a manager I was transferred and put on hold indefinitely and was forced to hang-up. 
When I called back a second time on XX/XX/XXXX and re-explained the situation to a new phone banker he again told me that is just how their system calculates interest. He agreed to open a " ticket '' to have the issue looked into but did not refund any of the {$27.00} in interest charged on the expired 0 % promotional balance which the system would not let me payoff before it expired.
Consumer complaint received 2020-12-26
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Navient Solutions, LLC. (FL)

I believe I have been scammed. I respond to an internet job offer and was notified of my acceptance. 
XXXX received a XXXX  letter pack. In it was a money order for $ XXXXon XX/XX/2020. My instructions were to purchase {$800.00} XXXX and XXXX XXXX gift cards. I deposited the money order then went shopping. I discovered that XXXX XXXX was the only retail store carrying these cards. I completed the assignment. I have all receipts and photos. I sent these documents and was congratulated for my professionalism. 
The Next XXXX  XXXX  Letter Pack arrived on XX/XX/2020. This time there were three money order for $ XXXXI was asked to purchase {$2500.00} on XXXX and XXXX XXXX gift cards. The second assignment was complicated by retail stores would only sell two cards a day. I saved copies of the money orders as will as possessing the actual Gift Cards. I also have receipts as well as all correspondence. I would forward the photos and receipt. I was to receive {$500.00}. for this task. 

I discussed this situation with my family, and we found a great deal of negative comments on the internet. I checked the XXXX XXXX XXXX and Washington State Attorney General. This confirmed that I was duped into to this entire operation. 
I saved everything ; Money orders, email correspondence, photos of the gift cards front and back and the applicable receipt from these purchases. 
I must claim ignorance. I was not aware of this scam. I live on Social Security and was hoping to supplement my income. Instead, I am experience extremely XXXX. I guess you could say I fell for it. 
I am currently contacting all agencies handling fraud. 
I have filed a complaint with the Washington State Attorney General office. 
I am going to file my experience with the FTC I am going to file of complaints with the FBI Please let me now Numeric normally handles situations like this. 
This situation has me rattled. 
My information XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, WA XXXX XXXX XXXX
Consumer complaint received 2020-12-25
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: Paypal Holdings, Inc (TN)

I sold items on XXXX platform and buyers has received the items and the normal procedure is to release funds once the carrier confirms receipt of the delivered item by a online tracking system which connects to XXXX, paypal, and the carrier site. Since my prior complaint against paypal my account funds are being held although it is not common practice to do so. I am unable to remedy a solution by contacting paypal or XXXX. The funds are being held and I am being told they are not being held although I have not received any funds and the funds appear in my account with a unnecessary hold placed on these funds.
Consumer complaint received 2020-12-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have contacted TransUnion countless times. TransUnion is not unaware of the fact that it is reporting inaccurate information on my credit report. I have called and used every possible online dispute method it has allowed me. I have disputed this false collection claim on my credit report multiple times. At times, TransUnion even agreed to remove it, and then placed the exact same fraudulent collection back onto my credit report that I disputed and had removed. 

Then, for months, TransUnion gaslighted me and blocked me from being able to dispute anything on my credit report. It's representatives played games sending me back and forth saying that I needed to contact a different department, then a different department, and then the department that told me I needed to contact a different department. Eventually, I was able to get a representative to remove what they referred to as an " error code. '' There is no error here ; there never was an error. 

This is and has always been willful circumvention of correcting my TransUnion credit report. None of my other credit bureaus kept this fraudulent collection on my report once I notified them. It seems like TransUnion has a relationship with this fraudulent collection agency and intends to gaslight me until the end of time. I have filed a number of complaints with CFPB on TransUnion, and nothing ever seems to happen. 

TransUnion is itself actively participating in this fraud. As you can see from the documents that I attached, TransUnion is sending out different reports than the report it is providing to me for dispute filing purposes. The version of my credit report that TransUnion sends for credit checks contains the fraudulent collection claim, but the version of my credit report that TransUnion provides me with to dispute items does not list any collections whatsoever because TransUnion knows that there should not be any on my credit report.
Consumer complaint received 2020-12-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BARCLAYS BANK DELAWARE (CA)

XXXX XXXX showing that I have an activity for credit card balance increase, where I do not have such BARCLAYS BANK DELAWARE credit card, and the balance showed {$13000.00}.
Consumer complaint received 2020-12-24
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Chime Financial Inc (TX)

I am a victim of Identity Theft, someone opened a Chime Bank account using my information, I notified chime that I was a victim of Fraud. There were several fraudulent charges on this chime bank account, Chime responded from their customer service telling me that by me advising them that I am a victim of identity theft and that there was fraud on the account, they have determined no fraud occurred. They closed the account and put my social security number on suspension and " Violation Lists '' For reporting the fraud to the company. This is abuse of how fraud works, and how to handle fraud. They told me in a second email that they can't allow me to open an account ever there, or allow me to even access their websites or services because " I violated their terms and agreement '' By reporting the fraud. I do not believe that you should be accused nor told you are violating terms because you didn't open an account and told the company you were a victim of fraud. This seems almost abusive of what banks are actually supposed to do for fraud victims.
Consumer complaint received 2015-05-14
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Enhanced Acquisitions, LLC (SC)

i took out a pay day loan in XX/XX/XXXX and could not pay it back with XXXX in XXXX sc in XX/XX/XXXX i get a call that from the XXXX and was told to talk to XXXX and he said i need to pay them or it would be a law sute in court i ask for proff to be sent to me in the us mail he said no we donot have to do that i then set up a payment plain to pay XXXX in XXXX payments i did the XXXX XXXX payment of XXXX and the last one was due in 2 weeks i could not do i get call from them on XX/XX/XXXX that my file was going to be sent over to sc for me to go to jail
Consumer complaint received 2020-12-25
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (IL)

Someone created a XXXX account using my credit card information. I told Chase about it because I didn't do this. They issued me a new card and gave a me credit for {$48.00} switch was the amount taken from me on XX/XX/XXXX. Chase urged me to reach out to XXXX and tell them what happened because they were going to look into it. XXXX did return the {$48.00} after they determined someone did indeed stole my credit card information. Now, XX/XX/XXXX Chase did a claim reversal for the XX/XX/2020 {$48.00} they gave me. This sounds wrong to me it's like they're calling me a liar even though XXXX comebacked me up.