davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ProCollect, Inc. (FL)

XX/XX/2022 this happen these two people I know took my information and open a credit card under my name and put that credit card on the apartment that they were staying in for rent and now that credit card is in debt for {$9000.00}. I have two police reports on them for fraud.
Consumer complaint received 2020-12-30
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. (FL)

I do not have any contracts or agreements, or documents with these companies. Please I kindly ask you to take appropriate actions and to remove these unknown accounts and inquiries. These accounts are definitely not mine. I kindly ask you to help me because I do not recognize these accounts. I do not have any contracts or agreements, or documents with these companies. Please I kindly ask you to take appropriate actions.
Consumer complaint received 2020-12-30
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

On XX/XX/2020 I attempted to purchase a gift card from my local post office. During the transaction there was a malfunction with the card reader, causing my debit card to be charged but the gift card was never activated or never were there any funds on the gift card. The manager on duty apologized and told me the charge would fall off of my account in 2-3 business but did not. I filed a claim with my bank, Capital One, in the amount of {$100.00} and they gave me a provisional credit. XX/XX/2020, my claim was denied stating the merchant provided documentation that this was a valid transaction. I followed up with Capital One and spoke with SEVERAL people who were no help. I even provided the original receipt that shows money was taken from my account but I was never given a gift card. They replied stating " refer to the original decision ''! Today they have removed the money from my account unjustly!
Consumer complaint received 2020-12-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (AL)

i have paid all my loans on time, for over 10 years, and my credit has be outstanding above 800, but they seem to lower my credit rating by an unreasonable amount when it takes so much time an effort to raise my score! how can they drop it down over 50 points in one click of their mouse? this is up surd, so is this a way to keep a poor man down while the rich bankers laugh all the way to the bank. I work hard for my credit ratings always have, but this kind of of democracy is and should be unjust!
Consumer complaint received 2020-12-30
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: AMERICAN EXPRESS COMPANY (NY)

then called American Express for a chargeback since I did not get my television. The representative took notes and opened a dispute. Yesterday XX/XX/2020 I received a letter from American Express stating that I was going to be rebilled for the charge, even though I dont have the item. American Express claimed that the merchandise was picked up and that theres a proper disclosure of all sales final. This is absolutely ridiculous because I NEVER received the item and I wasnt supposed to pick up the item it was supposed to be delivered to my residence. On the second page of the letter which is titled chargeback rebuttal info, it states that the customer ( me ) bought a tv and claimed it was broken. That is a LIE! I never received the item so how can I possibly claim its broken? I have been amember with American Express for four years and had no issue until now. This is really stressing my out because Im being charged for an item I never received and I have to pay during a time Im not working and theres a pandemic. This is very very unprofessional and disrespectful towards a very loyal customer that I have been for four years. Furthermore, American Express has changed their dispute resolution FOUR times and every time I call I get told a different date. First it was XX/XX/XXXX, then XX/XX/XXXX and finally XX/XX/2020. I called XX/XX/2020 and was told by the customer service rep XXXX that the dispute should be resolved by XX/XX/2020. I called on XX/XX/2020 and was told now that the resolution is expected by XX/XX/XXXX. How many times is American Express going to keep playing this childish games? They are doing all their effort to give the merchant the benefit of the doubt and giving them all the time in the world BUT were so quick to close the dispute against me with false XXXX. Also, on this call on XX/XX/2020 I requested to speak to a supervisor and was told that one would call be back in 24 hours. Its XX/XX/XXXX and havent received a call. American Express is an absolute disgrace and their disrespectful behavior towards a good standing customer is atrocious and unprofessional
Consumer complaint received 2020-12-30
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: Patenaude & Felix A Professional Corporation (CA)

I have been receiving several phone calls from Patenaude and Felix. I get them all day everyday. I have inform that I am not allow personal calls at work. Even after telling them this they still keep on. This is a form of harassment and it needs to stop NOW. There are laws against this kind of thing and I don't see why they can get away with. I know that if I say stop calling they must stop, guess they don't understand the word STOP!!!!.
Consumer complaint received 2017-03-13
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (NV)

please find attached the documents and my dispute letter for XXXX of my XXXX accounts, these accounts have never been late and never been delinquent. i have disputed few times with XXXX major credit bureaus but not been successful, also have written letters to the creditor as well, still no resolution. 
please help me to remove these late. negatives from my records. 
thank you
Consumer complaint received 2024-06-06
Product: Checking or savings account — Savings account
Issue: Opening an account — Account opened without my consent or knowledge
Company: WELLS FARGO & COMPANY (NJ)

I am a victim of ID theft. I have reported my stolen IDs to the XXXX XXXX XXXX XXXX XXXX  XXXX. 
I had a open investigation with the account at Wells Fargo bank ( XXXX ) and I had reported a employee responsible for allowing strangers to sign checks and other acts of Fraud on my bank account that was opened XXXX. 
The employee XXXX XXXX XXXX XXXX XXXX XXXX XXXX location. 
In XXXX the balance was paid and a way 2 Way savings account opened with a {$15.00} Balance. 
I think the act was a act to rescue XXXX XXXX from Investigation. Save her and the location from Disciplinary Action.

I live in fear.
Consumer complaint received 2023-02-04
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: Experian Information Solutions Inc. (NY)

Tried multiple time past year to have this one account XXXXXXXX XXXX XXXXXXXX removed. I CALLED XXXX the original creditor. My first delinquency with them dated back to 2013. So these credit bureaus are NOT doing investigations as they say they are. The consumer law states 7 years from first delinquency with ORIGINAL CREDITOR. Its been TEN YEARS. This is a violation of my rights. They REFUSE to provide any proof of any information they have. They show no proof how they investigated. Again VIOLATING MY RIGHTS. If they would do their job and investigate they would see this company is fraudulent!
Consumer complaint received 2020-12-30
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: Accounts Receivable Inc. (FL)

Re : Collection Accounts : # XXXX # XXXX I am sending this letter to you in response to you reporting the above referenced accounts. Be advised, this is not a refusal to pay, but validation is requested. I respectfully request that your office provide me with competent evidence that I have any legal obligation to pay you. 
If your offices have reported inaccurate information to any of the three major Credit Bureau 's ( XXXX, XXXX or XXXX ), said action might constitute fraud. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent I will not hesitate in bringing legal action against you. 
I would also like to request, in writing, that no telephone contact be made by your offices to my home or to my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls or correspondence sent to any third parties, it will be considered harassment and I will have no choice but to file suit.
Consumer complaint received 2020-12-30
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CT)

i have not received letters replaying to my concern regarding to inaccurate information been report in my credit profile i requested on XX/XX/2020 with follow ups on XX/XX/2020, and XXXX
Consumer complaint received 2020-12-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (LA)

On XX/XX/2020 my Bank of America card closed with a balance of {$2.00} ( my credit limit is {$2000.00} ) I had an available credit of {$1900.00}. I made XXXX  purchases totally {$780.00}, leaving me a available credit of {$1200.00}. I made a payment of {$260.00} which should have brought my available credit to {$1400.00}. However, I had an available credit of {$1200.00} and my purchases for {$1200.00} was declined. I made a another payment of {$25.00} and my available credit showed as {$1200.00}. When my available credit should be {$1500.00}. I made a called to BOA twice first time I spoke to XXXX from New York who was XXXX and argumentative. So I asked to speak to a supervisor he connected me to someone's voicemail. I called BOA the second time and spoke with XXXX and she was unable to assist because she stated she was unable to assit. My payment for {$260.00} is missing and I want them to correctly credit my account, my available credit should be {$1500.00}.
Consumer complaint received 2021-12-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (NY)

We deposited two checks into our account at Chase ( account # XXXX ) on Wednesday XX/XX/XXXX. 

Both XXXX checks were drawn from account # XXXX ( XXXX XXXX XXXX XXXX at XXXX XXXX XXXX XXXX ( check numbers XXXX XXXX XXXXXXXX ). 

Both checks were debited from the XXXX XXXX XXXX account that same day ( Wednesday, XX/XX/XXXX ). 

On Monday the branch manager at Chase ( XXXX ) confirmed with XXXX XXXX XXXX that the funds had in fact been debited and thereby provided a " verification of funds ''. 

Chase refused to release the funds and we spoke several times to the Bank Manager XXXX and XXXX in business affairs. They blamed the Hold Dept. 

On Tuesday, XX/XX/XXXX I called Chase 's Hold Dept at ( XXXX ) XXXX and spoke to XXXX ( no last name ). 

XXXX was rude, condescending and blamed the bank manager XXXX for not having provided enough information on her email request to release the funds. 

He placed me on hold for approximately 30 minutes and ultimately hung up on me and never called me back. 

In total, Chase 's Hold Dept kept me on hold over two hours. 

They had no grounds to hold that money, as the verification of funds had occurred between XXXX ( XXXX XXXX  XXXX ) and XXXX  ( Chase Branch Manager ) on Monday. 

Furthermore, I advised XXXX that I had a screenshot which illustrated the day those two checks cleared the XXXX XXXX XXXX account from the XXXX XXXX XXXX website, which as mentioned earlier was XX/XX/XXXX. 

XXXX did not wish for me to provide him this evidence and seemed annoyed that I was asking him what government agency oversaw his department. Every person I spoke to at Chase said they had no idea what government agency oversaw that department. 

I'm on hold as I type this complaint with Chase and have been for 48 minutes. 
I'm simply asking them what agency oversees their department and the woman who answered the phone ( XXXX ) claims to be trying to find out that information from the " Executive Dept ''. She just came on and said they are not aware of any government agency that oversees their Dept and then hung up on me. 

To say this ordeal has been frustrating is a gross understatement. These kind of practices should be disallowed and this practice of holding funds when the funds have cleared is an abuse on the part of banks. 

We're tired of banks taking advantage and benefiting ( float ) from holding funds for no reason. We provided the verification of funds as was required and when I offered the screen shot to XXXX as further evidence he didn't want it. 

Thank you for your time, XXXX and XXXX XXXX
Consumer complaint received 2020-12-30
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: U.S. BANCORP (NE)

In XXXX of this year, XX/XX/2020, I was upset about a fee with my account for U.S. Bank and the person on the other end of the phone call would not waive the fee eventhough it was a bank error. I got upset and used profanity. I then hung up and called another branch and they understood my situation and fixed the issue. I never once physically went into the first branch in regards to the problem. We spoke over the phone. The person I spoke to then told their boss and the Branch manager, XXXX XXXX, closed my account in XXXX or XXXX, I cant remember the month. I actually did business inside of the branch after that phone call and the branch manager even said she had seen me but didnt think to come to me to talk about the situation. Instead, she just closed my account. That was discrimination. I was literally upset over the phone and that does not give the branch manager the right to just close my account over an upset phone call. 
That is discrimination.
Consumer complaint received 2020-12-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIRST CITIZENS BANCSHARES, INC. (NC)

I made a deposit at my local First Citizens bank ATM in XXXX, NC on XX/XX/2020. The next morning, the funds were available in my account but then disappeared later that day. I called the branch and received a variety of stories over the next week, ranging from the bank lost the check to the check was placed on indefinite hold. 

The check was my payroll check, it cleared the issuers bank on XX/XX/2020, and as of today has still not been deposited into my account. The bank states that there is an " indefinite hold '' placed on the check but I was not advised of this at the time that I deposited the funds, in fact, the ATM said that they would be available the next business day.
Consumer complaint received 2020-12-30
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)

The accounts and information, addresses are not mine to the best of my knowledge Enclosed all documents XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX Account Number XXXX XXXXXXXX XXXX XXXX XXXX  Account Number XXXX XXXX  Account Number XXXX Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX, TX XXXX MULTIFAMILY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Consumer complaint received 2020-12-30
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (FL)

I have a court case with the United States District Court XXXX XXXX XXXX XXXX Florida. Please I need your assistance to schedule jointly proposed by parties. Please if you can have a mortgage broker attorney and or real estate attorney to review all the exhibits on file with CFPB including this latest exhibits A, B, C, D, E and F. This is URGENT! Because Select Portfolio Servicing has bad faith practice in improper payments and not applying my mortgage payments to the account also improper escrow/fees and improper lates fees charges. Therefore making my account be falsely delinquent when it is not the delinquent status as stated on mortgage statement. SPS has failed to monitor and apply my payments accurately, they are all over the place they do not know what they are doing. Because I continue to get different improper escrow analysis which is incorrect. Please Im asking the Court or CFPB to freeze this account with Select Portfolio Servicing because they are causing harm to me as the consumer by misleading and misrepresenting my mortgage loan.
Consumer complaint received 2023-06-28
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. (FL)

XXXX XXXX XXXX XXXX of XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Dear [ XXXX / Experian XXXX XXXX XXXX XXXX I am writing to request an investigation of the following information on my [ XXXX / Experian XXXX XXXX XXXX credit report : Dispute XXXX : The charge-off of an obligation with [ XXXX ] is incorrect. The following is the identifying information of the error : Account # [ XXXX ] Date of incorrect reporting : [ XX/XX/XXXX ] [ XX/XX/XXXX ] Explanation of my dispute : [ I am the victim of identity theft, and I did not open this account ] Dispute XXXX : The charge-off of an obligation with [ XXXX XXXX XXXX ] is incorrect. 
The following is the identifying information of the error : Account # [ XXXX ] Date of incorrect reporting : [ XX/XX/XXXX ] [ XX/XX/XXXX ] Explanation of my dispute : [ I am the victim of identity theft, and I did not open this account ] Dispute XXXX : an obligation with [ XXXX XXXX XXXX XXXX ] is incorrect. 
The following is the identifying information of the error : Account # [ XXXX ] Date of incorrect reporting : [ XX/XX/XXXX ] Explanation of my dispute : [ The creditor misreported my account, and all my payments are current ] Dispute XXXX : an obligation with [ XXXX XXXX XXXX  ] is incorrect. 
The following is the identifying information of the error : Account # [ XXXX ] Date of incorrect reporting : [ XX/XX/XXXX ] Explanation of my dispute : [ The creditor misreported my account, and all my payments are current ] Dispute XXXX : an obligation with [ XXXX XXXX XXXX ] is incorrect. 
The following is the identifying information of the error : Account # [ XXXX ] Date of incorrect reporting : [ XX/XX/XXXX ] Explanation of my dispute : [ The creditor misreported my account, and all my payments are current ] To further support my claim, I have attached documentation including : A copy of my credit report. 
identity theft complaint. 
Drivers license & SSN card Please let me know if any additional information is necessary to remove the charge-off and late payments from your records. I appreciate your assistance. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2020-12-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (CA)

We have requested Covid 19 help and got approval from Carrington mortgage. Just to find out that the company is doing nothing for us. They have posted bad credit for us also. This is wrong!!! Carrington does not follow financial legal practices. We have called in many times for help. Carrington always says they will help with given current pandemic and has damaged our credit. Congress is funding them and they are not helping people.
Consumer complaint received 2020-12-30
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: AMERICAN EXPRESS COMPANY (SC)

Dear XXXX, I have received notification that someone is using a fraudulent email address, associated with my law firm domain, to send correspondence about credit card replacement. Below is the content of the email. I appreciate anything you can do. 

*************** [ from XXXX ] We've Received Your Replacement Card Request Business Platinum Card ACCOUNT STARTING WITH : XXXX PENDING BALANCE TRANSFER ON HOLD Dear customer, This message is in regards to a pending transfer to your account. We noticed that the information on your account is not valid hence the reason for the payment delay. 
We are sorry for this delay on your account. In order for us to approve this transfer it is required you provide your valid information by filling the security questions below : americanexpress.com/security-update This is in line with our commitment to providing the best experience during this festive season. We are sorry for the inconvenience Thank you. 
American Express Customer Care For your most up to date account information. 

We kindly ask you not to reply to this e-mail but instead contact us via Customer Care. 

2020 American Express. All rights reserved. 

We've Received Your Replacement Card Request Business Platinum Card ACCOUNT STARTING WITH : XXXX PENDING BALANCE TRANSFER ON HOLD Dear customer, This message is in regards to a pending transfer to your account. We noticed that the information on your account is not valid hence the reason for the payment delay. 
We are sorry for this delay on your account. In order for us to approve this transfer it is required you provide your valid information by filling the security questions below : americanexpress.com/security-update This is in line with our commitment to providing the best experience during this festive season. We are sorry for the inconvenience Thank you. 
American Express Customer Care For your most up to date account information. 

We kindly ask you not to reply to this e-mail but instead contact us via Customer Care. 

2020 American Express. All rights reserved.