davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-11
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (WI)

Received a phone call from XXXX XXXX a Mortgage Banker with Rocket Mortgage last week. He said he was going to see if they could get a lower interest rate on my existing mortgage. I said if they could get a lower rate, I may be interested. Today he called back and scheduled a follow-up call for Monday to discuss his findings. I asked what rates he came up with, and his proposed rates were higher than my current mortgage. I then looked at my Rocket Mortgage account and found he had started a new refinance and it had a status of " Working on Closing ''. The proposed refinance was for a longer term and at a higher interest rate. 

I have no idea of how he went from looking for a better interest rate to starting a new refinance at a HIGHER rate and for a longer term!
Consumer complaint received 2020-03-09
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: CAPITAL ONE FINANCIAL CORPORATION (OH)

CASE # XXXX all ready filed this is additional documents received today XX/XX/XXXX Merchandise was not received from XX/XX/XXXX {$42.00} XX/XX/XXXX {$25.00} Capital One Bank have reapplied these charges to my closed account. 

I spoke with someone today in other country unable to resolve dispute.
Consumer complaint received 2023-02-06
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC (AK)

On XX/XX/2023. I was made aware of a negative credit to my credit of approximately XXXX dollars. From XXXX XXXX XXXX. 
I got no written notice nor did I give permission for any debt I owe to be released to debt collectors nor was I informed of my rights to protest the accuracy of such debt.
Consumer complaint received 2020-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (CA)

On XX/XX/2020 I certified mailed a letter to this credit bureau to update and correct any incorrect names, birthdays, and addresses from my profile. As of this point they have not removed the names or addresses.
Consumer complaint received 2020-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (CA)

On XX/XX/2020 I certified mailed a letter to this credit bureau to update and correct any incorrect names, birthdays, and addresses from my profile. As of this point they have not removed the names or addresses.
Consumer complaint received 2023-02-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

There is information on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transaction to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. 

My request to block is not being made in error nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transaction. 

The identified transactions are not information related to any transaction by me as the consumer. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX file # XXXX XXXX XXXX XXXX The Fair Credit Reporting Act, 15 U.S.C. Section 1681 et seq., is the law that controls credit reporting agencies. The law states that credit reporting agencies may not report a bankruptcy case on a person 's credit report
Consumer complaint received 2020-03-09
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: AMERICAN EXPRESS COMPANY (OH)

Bluebird by American Express closed the account because I kept filing a dispute against a merchant that took {$5500.00} from me. I never received the services from the merchant. I kept filing a dispute and reopening the investigation against the merchant that ripped me off of {$5500.00}. I even submitted a statement to Bluebird from an investigator from the attorney generals office stating that the merchant was ripping he off and the merchant was under investigation after getting all of that information Bluebird by American still didnt help get my money back from the shady merchant. Bluebird by American Express finally got tired of me trying to continue to fight to get my {$5500.00} back and closed my account. I still had over {$300.00} dollars in the account and some credits were also posting to the account as well. They closed the account in XX/XX/XXXX. They were suppose to mail my remaining funds and its XX/XX/XXXX and I still havent received my check from my funds that were in my account. My advice be careful with whom you purchase from using the Bluebird. They might let you get ripped off or may not give you your money back
Consumer complaint received 2023-02-20
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY (CO)

I disputed a transaction on Well Fargo where I returned a Merchandise to XXXX via mail but i was never refunded. The issue was that after making the return, two weeks past and I called XXXX and was told they had no record of me making a return. I called wells fargo and gave the transaction amount, date of return, date of delivery and even offered to fax them the shipping label that XXXX emailed to me but they said that was fine. This was reported on XX/XX/2023 and upon checking my claim wqas closed an denied XX/XX/2023. If i provide all evidence how can my claim be denied??. the claim amount was for {$1300.00}. This is very dishearting and I look forward to no longer continue business with them. My money does not feel safe.
Consumer complaint received 2020-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On XX/XX/2020 I certified mailed a letter to this credit bureau to update and correct any incorrect names, birthdays, and addresses from my profile. As of this point they have not removed the names or addresses.
Consumer complaint received 2020-03-09
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. (CO)

I had a credit card with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  which I closed in XXXX of this year due to outrageous fees. 

I was charged a yearly fee, around the time I closed the card and was told the fee would be returned to the account I used to pay my bill each month and should arrive in approximately 7 days. This was over a month ago. Several follow up calls have yielded different answers. I have heard my request is still processing, I should received a check in 7-10 days, and the check is in the mail. Almost two months later, I still have not had this fee returned. 

Second, I closed the card in XXXX and paid the balance in full. I never carried a balance on this card and always paid it off every month. Not only are they still reporting a balance, they are reporting that I am over my credit limit ( due to the annual fee they charged ). Not only do I have a XXXX  balance and have had a XXXX  balance since XX/XX/2020, I have had no luck getting the company to remove this from my credit report. I filed a dispute with the credit reporting agencies in XXXX about the incorrect balance/account status/over the limit remarks, which resulted in the card showing as closed and the balance being {$0.00}. Then, early this month, the company again reported the same incorrect data to Transunion, resulting in a nearly 50 point reduction in my credit score. I have filed a another dispute with Transunion to have this removed again, however, it comes at a time when I am rebuilding my credit and attempting to purchase a new home in the next few months. Such a drastically reduced score, due to the incompetence or criminality of the card issuer/credit agency, has negatively impacted my ability to seek other credit/mortgage options and may end up costing me significantly more in interest once the home loan process is complete.
Consumer complaint received 2020-03-09
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. (CA)

I am filing this report because I was made aware of a XXXX XXXX account appearing on my credit that doesn't belong to me. I got my credit ran because I am trying to buy a new car, however, I am unable to do so because of this account that does not belong to me reflecting badly on my credit. I wasn't even aware of this accounts before today XX/XX/2020 because I don't monitor my credit regularly. This account is not mine and I did not allow anyone to open it in my name nor did I benefit anything from this account such as money, goods, services or any other benefit. I have never opened an account with that company nor do I have any written or verbal contract with them. I got some of my personal information stolen about 8 years ago from my work locker ; they stole my wallet which has my social security card, ID and some debit/credit cards in it at the time. I filed a police report regarding this unauthorized account.
Consumer complaint received 2023-02-13
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. (CA)

I have sent dispute letters to the credit bureaus multiple times but never did I receive any correspondence. Once again, I am the credit bureaus for the complete and accurate reporting of this account. Ensure to provide me with all the missing information I have been asking for. Your lack of correct investigation ruins my score. Please provide these information to correct my report...
Consumer complaint received 2020-03-09
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (CA)

On my Gap card, my payment is due on the XXXX  of each month. I receive all kinds of updates on the card, promotions, receipts, payment confirmation but I never actually receive a bill. I have gone paperless, and even though I have communicated with them before about the lack of billing notices, nothing happens. I signed up for text messages to tell me when my bill is due, but still nothing. I was one day late this month, paid on the XXXX  because I remembered too late, not because I ignored the bill. I know that I am responsible for paying on time, but there is no other card or bill that I receive on any other account that doesn't remind me when a bill is due via email/text or through the mail. I feel like Gap does this on purpose to collect the outrageous {$39.00} late fee from consumers who never get a reminder that their bill is due.
Consumer complaint received 2023-01-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC. (GA)

Per certified mail tracking, It's been XXXX months. No information was given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On XXXX, XXXX, Attorney General, and FTC
Consumer complaint received 2020-03-10
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. (TX)

XXXX pd officer ftc violation I want removed The Fair Debt Collection Practices Act, Pub. L. 95-109 ; 91 Stat. 874, codified as 15 U.S.C. 1692 1692p, approved on September 20, 1977 is a consumer protection amendment, establishing legal protection from abusive debt collection practices, to the Consumer Credit Protection Act, as Title VIII of that Act.
Consumer complaint received 2020-03-09
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. (CA)

I am filing this report because I was made aware of a XXXX XXXX account appearing on my credit that doesn't belong to me. I got my credit ran because I am trying to buy a new car, however, I am unable to do so because of this account that does not belong to me reflecting badly on my credit. I wasn't even aware of this accounts before today XX/XX/2020 because I don't monitor my credit regularly. This account is not mine and I did not allow anyone to open it in my name nor did I benefit anything from this account such as money, goods, services or any other benefit. I have never opened an account with that company nor do I have any written or verbal contract with them. I got some of my personal information stolen about 8 years ago from my work locker ; they stole my wallet which has my social security card, ID and some debit/credit cards in it at the time. I filed a police report regarding this unauthorized account.
Consumer complaint received 2020-03-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (WA)

My name is XXXX XXXX. I was the legal guardian for a woman who banks at Wells Fargo. The woman I was POA for was XXXX XXXX XXXX. She banks at Wells Fargo located at XXXX XXXX XXXX XXXX XXXX WA XXXX. 

I went to the bank on XX/XX/XXXX and gave them my resignation as POA and asked to be taken off of her account. I was told that this could not happen. I had to continue to be the POA until I got someone to replace me. I was not happy so the manager stated he would get someone to call about this problem. 

I got a call and e-mail from the person below ( ( ( ( Dear XXXX XXXX XXXX My name is XXXX XXXX and I am a Case Manager in the Wells Fargo Executive Office. My role as a Case Manager is to research and resolve your concern. I wanted to let you know that I have started my research and that my goal is to provide you with a resolution within 10 business days from XX/XX/XXXX. 

As part of researching your concerns, I may be reaching out to get more information but Im here to help with any questions you have along the way. If you have questions, please do not respond to this message using the Reply button ( replies are not monitored ). Instead, I can be reached at XXXX XXXX XXXX from Monday through Friday between the hours of XXXX XXXX  XXXX XXXX  Central Time. 

For reference, your case number is XXXX I look forward to serving you and resolving this issue. 

XXXX XXXX XXXX Office Case Specialist Wells Fargo Executive Office Wells Fargo, N.A. Member FDIC. '' ) ) ) I have reached out to XXXX several times with no respone. 

Thank you for your assistance in this matter. 
XXXX XXXX
Consumer complaint received 2020-03-10
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: JPMORGAN CHASE & CO. (FL)

I have been going back and forth with Chase bank about a dispute of {$1800.00} I was on vacation in XXXX XXXX. The first day I was there I went to exchange USD for XXXX  currency. I used my chase card entered my debit pin at a foreign bank trying to withdraw {$100.00} the teller told me my card was not working they swiped and used chip multiple times. My phone was buzzing showing the withdraw had taken place. I showed them my phone saying it took the money from my account please give me my money they would not give me my money because they said it was declined. I started getting mad. My first day here and they pretty much wiped me out I was arguing back and forth with them they surrounded me with guards and guns. At that point I said even though I have no money left I was at a all inclusive resort so I had to wing it.I will have to XXXX it up shut my mouth and walk out. I did not want to be locked up abroad so I waited to dispute my transaction with chase when I got home because they also took down my hotel room number. Chase refunded the money 2-3 times and took it back in and out of my account over a few month period causing me to go major negative. I fought and fought with them I provided everything showing them I did not withdraw that amount. The merchant forged my signature and sent that as proof to chase the signature is a scribbled line not even close to my signature. They said back office is closing my claim and there is nothing I can do I totally got XXXX!
Consumer complaint received 2023-06-09
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. (NY)

1. Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft. 
XXXX Account XXXX : XXXX Please Delete Immediately XXXX. Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft. 
XXXX XXXX XXXX Account Number : XXXX Please Delete Immediately XXXX. Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft. 
XXXX Account XXXX : XXXX Please Delete Immediately XXXX. Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft. 
XXXX Account XXXX : XXXX Please Delete Immediately XXXX. Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft. 
XXXX XXXX Account XXXX : XXXX Please Delete Immediately XXXX. Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft. 
XXXX Account XXXX : XXXX Please Delete Immediately XXXX. Under 15 XXXX XXXXe 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft. 
XXXX Account XXXX : XXXX Please Delete Immediately XXXX. Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft. 
XXXX XXXX Account Number : XXXX Please Delete Immediately XXXX. Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft. 
XXXX Account XXXX : XXXX Please Delete Immediately
Consumer complaint received 2020-03-10
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)

XXXX pd officer ftc violation I want removed The Fair Debt Collection Practices Act, Pub. L. 95-109 ; 91 Stat. 874, codified as 15 U.S.C. 1692 1692p, approved on September 20, 1977 is a consumer protection amendment, establishing legal protection from abusive debt collection practices, to the Consumer Credit Protection Act, as Title VIII of that Act.
Consumer complaint received 2020-03-09
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

On XX/XX/XXXX, I attempted to transfer {$210.00} from my Capital One account to my XXXX XXXX  XXXX account. However, instead of the requested {$210.00}, Capital One doubled the transfer, withdrawing a totaling {$430.00} from my account. When I went to review my XXXX XXXX  XXXX account, I saw that only {$210.00} was transferred. I contacted Capital One to inquire about the mishap and was informed that XXXX erroneously authorized my card twice for the same amount. On XX/XX/XXXX, Capital One provided me a temporary credit of {$210.00} pending its investigation. This made me whole. 

Subsequently, however, on XX/XX/XXXX, XXXX arbitrarily removed {$210.00} from my XXXX XXXX  XXXX  account without any explanation. This put me back at - {$210.00}!. When I contacted XXXX  to find out why MY money was removed, I was told it did so because Capital One initiated an investigation and that the {$210.00} was reimbursed to them. I then contacted Capital One to find out the whereabouts of MY money, and it stated it could not provide me any information because the investigation was still ongoing. Becoming increasing frustrated, I contacted the XXXX  XXXX  XXXX  hoping it could help in getting MY money returned to me. On XX/XX/XXXX, XXXX responded to my XXXX  complaint simply stating that XXXX  XXXX   XXXX  services and features are facilitated through XXXX XXXX   XXXX. XXXX further stated it considers the matter closed. On XX/XX/XXXX, Capital One responded to my XXXX  complaint simply advising me that it had up to 90 days to investigate my claim. Two days later, on XX/XX/XXXX, Capital One sent me an email stating only that it " finished investigating my dispute, that any temporary credits deposited into my account are now permanent, and that my dispute has been resolved. '' However, neither response has been helpful because neither XXXX nor Capital One has provided me any findings or conclusions. Most importantly, since XXXX removed {$210.00} from my account to [ allegedly ] reimburse Capital One, I am still out {$210.00}. 

I have contacted XXXX  and Capital One several times since, and as of XX/XX/XXXX, I still have not had MY money returned to me OR an any explanation whatsoever regarding what happened to MY money. I am hoping your office can help or provide me some information as to how I can get MY money returned from either Capital One or XXXX XXXX XXXX. I find it disheartening that, in XXXX, a financial institution can arbitrarily remove money from an account without any explanation whatsoever!