davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-14
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. (OH)

I have several addresses on my credit report that I have never lived at. I need to make sure no one is applying for anything in my name at these incorrect addresses : Please REMOVE THE FOLLOWING : XXXX XXXX XXXX XXXX OH, XXXX, XXXX XXXX XXXX XXXX XXXX OH, XXXX, XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX OH, XXXX, XXXX XXXX XXXX XXXX XXXX OH, XXXX, XXXX XXXX XXXX XXXX XXXX OH, XXXX, XXXX XXXX XXXX XXXX XXXX OH, XXXX, XXXX XXXX XXXX XXXX OH, XXXX, XXXX XXXX XXXX XXXX OH, XXXX, XXXX XXXX XXXX XXXX OH, XXXX, XXXXXXXX XXXX XXXX XXXXXXXX OH, XXXX, XXXX XXXX XXXX XXXX OH, XXXX, XXXX XXXX XXXX XXXX OH, XXXX, XXXX XXXX XXXX XXXX OH, XXXX
Consumer complaint received 2020-10-01
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

On Wednesday, XX/XX/2020, around XXXX XXXX, I went to the Capital One Branch at XXXX XXXX XXXX in XXXX XXXX, NY XXXX. 



I spoke to the Teller, XXXX XXXX, that I would like a Certified Bank Check for closing on a home. I asked for a manager. There is none. 

She mentioned that there was a fee. I asked to waive it. She said no. She had me fill out two deposit slips and my ID. XXXX XXXX was helping her out with the transaction. They were very unpleasant and told me that fees are never waived. I said I disagree, as I had done Escrow checks them with in the past that were, but that I would call Capital One later. This transaction typically takes 2 minutes. It took at least 10 minutes. She did not seem to know what she was doing. 

I received my check, my receipts, and walked out. 

I called to complain to Capital One, and they said that the transactions were not registered. 

There was no Certified Bank Check, and there was no Fee transaction. 

I checked the app, and that was true. 

It shows a cash withdrawal for the closing, and a withdrawal of {$10.00}. There is no mention that the money was for a home closing, or a fee for the check. 



I returned XXXX on XX/XX/2020. I asked to speak to a manager. There is no manager. Is there someone higher up? No. And they are unable to tell me if any other branch has a physical manager to speak to. I complained that this was an improper transaction. I asked for a certified bank check, not a cash withdrawal. While it may be a shortcut for the bank, it will cause problems for me if I can not show that the money  for the closing came from my bank account. They said there is nothing they can do, that this is standard practice, and that if anything I can return the check, and get cash instead. I am extremely upset. This is an improper business transaction process.
Consumer complaint received 2020-10-01
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY (NJ)

These two charges appeared on my account as pending one was for {$150.00} and the other was for {$500.00}. I contacted the Fraud Department immediately upon noticing these two transactions pending on my account which were as follows : XX/XX/XXXX PURCHASE AUTHORIZED ON XX/XX/XXXX XXXX XXXX* XXXX XXXX XXXX CA XXXX XXXX  XXXX {$150.00} XX/XX/XXXX XXXX  TO XXXX XXXX ON XX/XX/XXXX REF # XXXX {$500.00} I was told by the Fraud Department I needed to change my account number and go into a branch. They would investigate and the money would be returned to my account as these transactions were not authorized or done by me. On XX/XX/XXXX, a final credit of {$150.00} was given to me but nothing on the {$500.00}. I called to see where my {$500.00} credit was prior to opening todays mail with a letter stating I made the transaction or someone who had my authorization did it and I was not going to receive my money. 
Please be advised I have had my account for approximately 29 years through XXXX then Wells Fargo. I recently put the Wells Fargo app on my cellphone only to get access codes for my XXXXyear-old son, XXXX, to withdraw money. At no point in time have I ever signed up for a XXXX account or know a XXXX XXXX. I am extremely upset as this is not chump change this is {$500.00} someone hacked into my account and fraudulently took money from me. I notified the FBI with regards to these transactions as well. I have since deleted the Wells Fargo app from my phone and am still awaiting my appointment with the XXXX store to review my cellphone. 
I would appreciate all your assistance in this matter and am willing to have prosecuted whoever hacked my account. All I want is {$500.00} to be credited back to my account.
Consumer complaint received 2023-01-07
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. (IL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. 

I need this item removed from my credit report immediately or further legal action will be taken.
Consumer complaint received 2020-08-14
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)

I HAVE REPORTED THAT I DO NOT LIVE AT XXXX XXXX XXXX XXXX TEXAS XXXX WHICH APPEARS ON MY REPORT DUE TO FRAUD THEY HAVE FAILED TO REMOVE IT FROM MY FILE
Consumer complaint received 2023-03-17
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. (IL)

XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX crest XXXX XXXX XX/XX/2023 dear Transunion, I , XXXX XXXX, have written this letter to dispute a claim that is falsely listed on my credit report with your bureau. The amounts owed are no longer outstanding the the following items : party owed : XXXXXXXX XXXX amount : {$330.00} account number : XXXX party owed : XXXX  XXXX XXXX XXXX amount : {$12000.00} account number : XXXX party owed : XXXX XXXX XXXX XXXX amount XXXX {$2000.00} account number : XXXX party owed : XXXX XXXX XXXX CARD amount : {$2500.00} account number : XXXX party owed : XXXX XXXX XXXX Amount : {$800.00} account XXXX party owed : XXXX XXXX XXXX amount : {$6800.00} account number XXXX XXXX I am disputing this claim due to I HAVE NO KNOWLEDGE OF THIS ACCOUNT. IT IS FRAUDULENT AND I AM REQUESTING THAT IT BE REMOVED IMMEDIATELY. this is my official request to have the aforementioned item to be removed off my credit report.
Consumer complaint received 2023-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CO)

I have over a year i have been disputing these accounts on my credit profile. 

US Department of Education XXXX US Department of Education XXXX XXXX Department of Education XXXX XXXX Department of Education XXXX XXXX Department of Education XXXX XXXX Department of Education XXXX XXXX Department of Education XXXX XXXX Department of Education XXXX they are reporting incorrectly which is hindering me from the proper use of my credit.
Consumer complaint received 2022-09-15
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. (OH)

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions. 

Listed are some additional convergent accounts that violated my rights, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (TX)

I have 2 American Express credit cards. I downgraded these credit cards on XX/XX/2022. While downgrading, I contacted the bank over instant chat. I asked the customer care professional if there is any impact to the rewards or a penalty if I downgrade the cards. The customer care professional confirmed that there would not be any impact to the rewards. I then gave my consent to downgrade the cards. After a couple of days, AMEX put a bonus reversal charge of {$150.00} each on both the credit cards. I have tried to get in touch with AMEX several times for this. They mentioned that since I downgraded the card within 1 year that is why the bonus was reverted. At that same time they have also accepted the fact that their customer care professional provided incorrect information that the rewards are not affected with the downgrade. I requested them to rollback the entire thing, that is upgrade the cards back to what they were and also put the bonus back. They have opened an internal case on XX/XX/2022 but till today there is no update. Each time I follow up for an update, they ask me to come back after 6-8 weeks.
Consumer complaint received 2022-11-08
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Valentine and Kebartas, Inc. (NY)

Valentine & Kebartas is the company trying to contact me. The first representative was extremely rude and would not disclose the company he was calling from. I had to do my own research to figure out who they were. I was not comfortable with the first agent so I requested for a supervisor to call me back. I spoke to the supervisor and was told I would receive a call the following XXXX. I did not hear back until that following XXXX  and each phone call that I received until today I have answered, no one speaks and then they hang up. I had to call back multiple times today just to get in contact with someone and was met with an extremely pushy and rude supervisor. I tried to explain my concerns to this individual who told me that there has been no one on his team that has been difficult with me, and that when I want to settle my debt to call him back. I also asked for documentation of this matter before I give them any info and it didn't really seem like they could give me anything. I am very frustrated as I want to clear this up, but I am not comfortable giving any of my information to this company.
Consumer complaint received 2020-10-01
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (NY)

Experian Did not do what they said they would do in my 1st or 2nd Complaint! They have my SS # blocked where I am not able to call to speak with a person about a dispute that came back on my report. Every time I call the only option I have is to add or remove a fraud alert. Any other prompt disconnects the call! I called using my deceased mothers Social Security number to see if I were able to get thru and they were able to give her multiple options for her to receive her credit report. This is very unprofessional because they have control over your credit! Please look into this! Please refer to my complaints # XXXX and # XXXX. They are sending a general response and NOT fixing the problem!
Consumer complaint received 2023-01-07
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. (NC)

In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX : # XXXX 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 2020-10-01
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: SYNCHRONY FINANCIAL (AZ)

Paypal transaction XXXX for items purchased online. After order was placed I found the seller was non-verified out of country. I immediately notified PayPal 's resolution center and opened a case as the seller withdrew more from my account than what I authorized. Case ID : XXXX. Paypal closed the case said it was not covered under their terms. Subsequently I found out the tracking number given to me by the seller was fraudulent and for a shipment that had been delivered the day prior to the date I placed the order. I notified PayPal of this and have yet to receive any response.
Consumer complaint received 2022-11-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (TX)

On XXXX, XX/XX/2022, my husband and I received a call from XXXX XXXX, or so we thought. The person/company used a XXXX XXXX XXXX ID number which made us believe we were really speaking with a XXXX representative XXXX The party advised us that they had sent us a certified letter regarding our account dues and that we were needing to pay for the replacement of our meter. If we did not make payment immediately, the technician was on their way to our home and we would be without services until Monday. We ended up paying them {$3700.00} ( {$440.00} ; {$1400.00} ; {$990.00} ; {$390.00} ; and {$390.00} ) before realizing it was a scam. The initial {$390.00} and {$990.00} were supposed to be deposits that would be returned to us by XXXX. While my husband was making the last XXXX transfer I was calling XXXX to confirm to which the true XXXX representative advised it was a scam and that several other customers were scammed into making payments. 
We immediately called JP Morgan Chase bank to stop the funds and were directed to their fraud department. We did not receive a letter from Chase bank denying us any adjustment to our funds until XX/XX/2022 by letter dated XX/XX/XXXX. We made numerous inquiries over the course of that time period with Chase bank via telephone and in-person and were pushed back with a " letter is coming '' response.
Consumer complaint received 2024-03-21
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

I continue to receive pre-qualification letters for a XXXX card. I decided to apply and they said I was denied because I have too many cards. 

I called in and was advised that you can have XXXX cards. I only have XXXX active with a checking account. They said I have XXXX accounts that they cant see anything or any information on it. They get me to recovery, recovery says you have XXXX paid in full in 2013 and XXXX was covered by your bankruptcy so these are both closed and good to go. Of course recovery said they cant help me and dont know anything about applications. They give me a number to call applications team again, just trying to get an understanding here.
Consumer complaint received 2022-11-08
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Exeter Finance, LLC. (CA)

On XX/XX/2022, I called XXXX XXXX XXXX a partnering company with Exeter Finance for repossessions. I was told that my car had been sent to Auction today, and that I should set an appointment to come and retrieve my personal property from the company 's office. The letter that I received from Exeter Finance stated that I had until XX/XX/2022, with a 10 day extension option to submit a payment in full for a redemption of my vehicle. 

On XX/XX/XXXX, shortly after receiving the letter I submitted a tender for payment in the amount of {$16000.00} via certified mail with the return card # XXXX according to UCC 3-603 which states : ( a ) If tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument, the effect of tender is governed by principles of law applicable to tender of payment under a simple contract. 

( b ) If tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument and the tender is refused, there is discharge, to the extent of the amount of the tender, of the obligation of an indorser or accommodation party having a right of recourse with respect to the obligation to which the tender relates. 

( c ) If tender of payment of an amount due on an instrument is made to a person entitled to enforce the instrument, the obligation of the obligor to pay interest after the due date on the amount tendered is discharged. If presentment is required with respect to an instrument and the obligor is able and ready to pay on the due date at every place of payment stated in the instrument, the obligor is deemed to have made tender of payment on the due date to the person entitled to enforce the instrument.

I never received so much as a refusal phone call, email, or notice that the tender of payment was refused by Exeter Finance, and that my vehicle would be sent to auction before the date stated in the letter.
Consumer complaint received 2020-10-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: KEYCORP (NY)

Key Bank is greeting online customers with a pop up screen that says, " Review Your Contact Information. '' Nestled at the bottom is a check box that says " I agree to the wireless express consent provision. '' If you do not check that box, you can not complete and clear the screen. You can choose " remind me later, '' but it is unclear if it will be required at some later point. 

The bank has essentially snuck a new contract provision into the info update screen and is asking all users to sign it. If this is legal, it is disingenuous and none of these contracts should be upheld. I do not consent to this new provision, and I fear I will soon lose access to online banking because of it.
Consumer complaint received 2020-08-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO. (IL)

Why Chase is doing are doing DECEPTION and SCAMS!! I did bought an item on Amazon on XX/XX/2020 with they offer 18 months of interest free over {$500.00} ( AMZN Mktp   XXXX Amzn.com/bill WA XXXX ) and now I don't have that option just because I bought another item on XX/XX/2020 from another store XXXX AMZ*XXXX service @ XXXX NY XXXX ) and I did return the item and the credit is apply to my deal of no interest for 18 months this is a SCAM just because Chase have a system that any payment id apply to the lower rate, but this was not a payment it was a return credit. I Just want Chase to comply with there deals. I just make a payment to pay amount of {$210.00} and the card account is almost pay of because I don't want to be charged with interest.
Consumer complaint received 2020-10-01
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. (MD)

There are several inquiries on my credit reports that I do not have knowledge of. I have attempted to contact each of the companies who " inquired '' to my credit report and they advised me that I need to contact the Bureau which they are showing. I have attempted to contact all 3 credit bureau 's on several occasions and listed the names and dates of the inquiries along with a few duplicate inquiries and they were not helpful. They pointed me back to the company who originally submitted them. One rep encouraged me to file a police report and told me this had to be fraud before they could do anything about it. Per the credit bureau 's website it states to contact them directly with any disputes, there is nothing indicating a police report is needed before they will even speak with you about you concerns and there is nothing indicated that you need to talk to the orginal company who requested to view your credit report. Please help!
Consumer complaint received 2020-10-01
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. (MD)

There are several inquiries on my credit reports that I do not have knowledge of. I have attempted to contact each of the companies who " inquired '' to my credit report and they advised me that I need to contact the Bureau which they are showing. I have attempted to contact all 3 credit bureau 's on several occasions and listed the names and dates of the inquiries along with a few duplicate inquiries and they were not helpful. They pointed me back to the company who originally submitted them. One rep encouraged me to file a police report and told me this had to be fraud before they could do anything about it. Per the credit bureau 's website it states to contact them directly with any disputes, there is nothing indicating a police report is needed before they will even speak with you about you concerns and there is nothing indicated that you need to talk to the orginal company who requested to view your credit report. Please help!