davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-03-18
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: DISCOVER BANK (FL)

I identified two fraudulent charged on my Discover statement to the card company in XXXX XXXX by phone. The charges took place on XXXX XXXX and XX/XX/XXXX respectively. Each charge is for {$1400.00}. I have explained there was a lag time in my reporting the charges as I had 6 or 7 credit cards open and all the balances were getting out of hand. I took out a home equity loan to pay off all my cards. That's when I noticed the fraud charges. I was told an investigation was started and charges were credited from my account temporarily. I called in frequently for status of the investigation and offered all the help I could. I was told the charges took place on a " square device '' by Discover reps. I was also told the XX/XX/XXXX charge was traced back to a hair salon in XXXX, Florida and the XX/XX/XXXX charge to a strip mall in XXXX XXXX, Fl. The merchant is listed as " XXXX ''. At one point Discover started to question my spouse, Mr. XXXX XXXX, who is not even listed on the account?! Repeatedly, we both assured Discover we have absolutely no knowledge of these charges. I was shocked when on XX/XX/XXXX " XXXX '' in Discover Fraud investigations informed me the investigation team determined no fraud took place. When I pressed him for the specific reasons he could not tell me only said that the " reassertion '' team knew that. That being said there was no way to speak to them??!! They send me a letter letting me know no fraud was found and I am to resume payments of XX/XX/XXXX.. again no reasons were stated. At this point I retained an attorney who sent a letter on my behalf to Discover explaining to they are in breach of contract and can not hold me responsible for the charges. I called in and was assured the letter was received and uploaded to their system. Then I was told Discover was still maintaining I am responsible for the fraud charges!!!??? They said a letter would be sent to me to this effect but not to my attorney??!! I am requesting that a full and through investigation into the charges be conducted. The only result is that the charges totaling {$2900.00}. be credited in accordance with the terms and conditions of the agreement regarding the treatment of fraud charges ASAP! My husband and I adopted XXXX babies from the state dependency system in XXXX. I work hard to pay the bills and keep my credit rating in tact for my family. Discover has been incompetent and at times deceptive.
Consumer complaint received 2021-03-08
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. (TX)

I previously disputed a XXXX  Credit Card with account # XXXX opened on XX/XX/XXXX with a balance of {$5400.00} from the first time I saw it on my report back in XXXX because it doesnt belong to me. Over the years, I have sent several certified dispute letters disputing the validity of this item. And I don't agree with your Experians claims that theyve investigation this item. On my last certified dispute letter to Experian dated XX/XX/XXXX, I requested that they mail me the proof of their investigation within 30 days. It has been more than 30 days and they have not mailed me the proof but theyve already closed the case and marked it as updated. Experians claim that the account is verified it's frivolous and unduly. I provided the reason for my dispute in simple language and they had 30 days to perform an investigation and mail me the proof of their investigation. Because this was not done, Experian should delete this negative information. It has been a terrible experience dealing with Experian. I have maintained a careful record of my communications with Experian for the purpose of filing a complaint with the FTC, the Attorney Generals office, and a local court in Texas should Experian not remove this account from my Experian credit reports. See Attached
Consumer complaint received 2019-06-12
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: EQUIFAX, INC. (IL)

I have requested Numerous times that Equifax remove unauthorized inquires on my credit report, I have gotten generic letters sent back stating they basically wont delete. 
The mortgage inquires- I never allowed my account to be ran my mother in law was going to sign on a house not anything to do with me, I knew at the time I was no where near reading to apply. 
XXXX, my fiance has an account with them, I NEVER put my social down for them to run, the only thing associated to me was my debit card for a down payment for his account to be opened- XXXXl XXXX I did not authorize XXXX XXXX XX/XX/XXXX & XX/XX/XXXX & XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX & XX/XX/XXXX & XX/XX/XXXX XXXX XXXX XX/XX/XXXX & XX/XX/XXXX
Consumer complaint received 2020-02-07
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SUNRISE CREDIT SERVICES, INC (MD)

I was a faithful client of XXXX for 15 years as my cell phone carrier. I purchased an app through XXXX that provided a locator and parental controls. I put the app on my Daughters XXXX. I paid for the app, it never worked. I took it to the XXXX store thinking that it was an issue with the devise. I did this after several failed attempts over the phone with customer service, many calls I could not understand, because I regretfully only speak English. 
Finally, I took the device to the XXXX dealership, they kept it for days ( during all this, I am still paying for the app and the devise to be connected to the internet ) the XXXX place told me that the devise was not able to be fixed, and that they could transfer the app to a brand new XXXX that I could purchase in the store that day, and make payments through my XXXX account. A new XXXX to fix an app? I told the clerk I was leaving and would like to be compensated for all the time I paid for service and the app, and she said that will be no problem. 
This " outstanding bill '' was to be cleared up months ago. I can not understand why I am now in collections for being billed for a service I never got. When I surprisingly got a " final bill '' from XXXX ( after I left the carrier ), I wrote letters, called and on-line chatted, trying to plead my case. The ONLY response I got from them was a letter from SUNRISE CREDIT SERVICES. I called this service, they asked me to reach back out to XXXX. I did, and was disconnected by phone ( after I put my number and pin in, and my account access denied ( so I can't send them an inquiry via email ). I can not have this derogatory mark on my credit. I move too much, and is not something I need to highlight with my Command. I honestly can not ethically pay this bill, I never received this service! someone please get ahold of XXXX and review my account notes! I promise it is all in there, I tried and tried to have the do the right thing, and all they wanted to do is sell me an new XXXX, and not ensure I was getting what I PAID for. I have since moved my cellular service to XXXX.
Consumer complaint received 2018-02-22
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TD BANK US HOLDING COMPANY (CT)

On XX/XX/XXXX my paycheck was supposed to be deposited to my checking acccount by my employer but it was not due to an error on their part. I discovered my account was overdrawn on XX/XX/XXXX. I called my employer and they admitted to their error and promised to deposit the check to my savings acct on XX/XX/XXXX.My employer will not work with me concerning the overdraft fees. I called my local TD bank and told them my employer caused the overdraft of {$420.00}. The TD bank rep said it was my fault and would not work with me in reducing these fees. I am a single mom working for a temporary agency after losing my job in XX/XX/XXXX. Recently, I was out of work for over a month recovering from a XXXX XXXX and XXXX XXXX. I did not get paid for this time off. I am back to work now and struggling to catch up. This error caused me a very big setback and will not be able to pay back this {$420.00} in a short time. I would like to have the fees waived or reduced to half amount. Thank you.
Consumer complaint received 2019-06-12
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (VA)

I believe Wells Fargo is retaliating against me by withholding payment information to credit reporting bureaus for expressing my extreme displeasure with the company acquiring my mortgage, and active pursuit to change the law regarding how mortgage companies acquire mortgages and effectively force unwilling consumers to do business with a particular institution. 

In late XXXX/early XX/XX/XXXX I discovered my XXXX  credit score dropped basically overnight from approximately XXXX to XXXX. I have been in contact with XXXX  several times to determine why this occurred. As part of the process, XXXX  provided a detailed credit report. The report shows outstanding payment history on every account I have with one exception : Wells Fargo Home Mortgage. Wells Fargo acquired the mortgage in XX/XX/XXXX, with payments to begin XX/XX/XXXX. I immediately protested the method Wells Fargo acquired my mortgage since there is NO WAY I would ever voluntarily do ANY business with Wells Fargo, a company with a vast criminal history and a reputation of customer abuse so great a federal judge made it part of her ruling against the company. Despite my displeasure, I have made my mortgage payments on time every month, even with Wells Fargo 's attempts to make the process unnecessarily difficult. However, Wells Fargo 's report to XXXX  shows " Unknown '' payments for the months of XXXX, XXXX and XX/XX/XXXX. Payments for XXXX and XX/XX/XXXX appear as " OK ''. 

When I contacted Wells Fargo, the representative told me, " It can take up to 60 days after [ Wells Fargo ] acquire [ s ] the account before payment history starts being reported. '' This explanation defies the history of other mortgages I have had, which show a continuous, seamless transition from the time I entered into the mortgage and through transfers to other servicing companies. So apparently Wells Fargo is doing it correctly and the other companies are doing it wrong? I don't think so. Also, the representative 's explanation, if true, contradicts the facts. According to him, it can take 60 days, but considering Wells Fargo acquired the mortgage in XX/XX/XXXX and the XXXX report doesn't start reporting good payments until XX/XX/XXXX the 60-day window is exceeded ( 90-121 days total ). 

I believe Wells Fargo 's failure to accurately report my mortgage payment history is a thinly veiled attempt to retaliate against me for expressing displeasure with Wells Fargo acquiring my mortgage and my efforts to change federal law to prevent corrupt organizations like Wells Fargo from forcing consumers into financial relationships the consumers would never pursue on their own.
Consumer complaint received 2019-03-18
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. (GA)

Creditor Acc XXXX XXXX XXXX XXXX, Creditor XXXX, Acc XXXX, Dept Of Ed/XXXX, Creditor XXXX XXXX XXXX. The following are not my address or ever lived there I think this is what attaching me to my father with the same name.
Consumer complaint received 2024-02-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NJ)

After reviewing my credit report, I noticed I have 2 late payments being reported by XXXX XXXX XXXX I called and they were unwilling to reverse the late payments although I have excellent payment history, and I believe this was an oversight on their part. I have never been late with on this account. I notice the late payment was reported in XX/XX/XXXX and XX/XX/XXXX. 

In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ) it states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b. A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Based on the information, I am asking for these payments to be removed as a courtesy. 

These late payments are hurting my credit profile, as a customer with on time history, I will like a courtesy to be given in the event of the late payment being reported changed to paid as agreed or current. I know XXXX can provide a courtesy the question is are they willing to provide that courtesy to a customer with a great payment history like me.
Consumer complaint received 2018-06-16
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CITIZENS FINANCIAL GROUP, INC. (MI)

I opened an account online with XXXX XXXX on XX/XX/XXXX through a link they were promoting at the time to receive a {$150.00} sign up bonus. I opened the account through the link online and met the direct deposit requirements within 60 days as they acknowledged in their delayed response in their secure message response ( late XX/XX/XXXX),  after messaging them at least 1-2 weeks earlier. After having already waited beyond the expected timeframe of ~90 days following direct deposit for bonus to post, I still have not received my bonus. I then messaged them again and then they told me to wait 90-145 days after opening the account. I opened the account on XX/XX/XXXX. It is now XX/XX/XXXX, nearly 5 months later ( beyond 145 days ). Still no bonus.
Consumer complaint received 2019-06-12
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TCF NATIONAL BANK (MN)

When I opened this account, I submitted a request in writing to 1. be exempt from arbitration and 2. to not have the card overdraw. This account is used for small community group with limited resources. The account has been open a few years now and it was in good standing. The account even had a latent balance of anywhere from {$200.00} to {$500.00}. 

I last logged into the account on XX/XX/2019. In XXXX, I again logged into the account and much to my surprise, the account was severely overdrawn. After reviewing the account, I realized the visa debit card was overdrawing the account even though I requested that this not happen. Most of the transactions were less then the {$37.00} overdraft fee and as small as a {$5.00} transaction. As soon as I found out about the overdrawn status, I made two deposits to take care of the overdrawn amounts. However, the account still has a small balance as there was around few hundred dollars in fees. 

I would like the bank to reverse all fees charged to the account since I requested that there not be any overdraft fees upon opening the account. Also ensure the original request to not overdraft is honored. I would also like to avoid any collection costs or credit reporting. I would like to keep the account open and have another ACH direct deposit on the way this Friday.
Consumer complaint received 2019-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BMW Financial Services NA, LLC (FL)

To Whom It May Concern, I Leased a vehicle ( Acct # XXXX ) through BMW Financial Services. I paid my entire lease for 36 months and at the end of my lease I recieved a Excess Wear & Tear bill for {$1700.00} and a additional charge of {$300.00} for supposedly dropping off the car a week late ( Which i didn't ). I called BMW Financial Services and they contacted the dealer and they verified that the car was dropped off at the correct time and was never late. BMW Financial had realized they had made an error on this bill and removed the erroneous charge and I paid the bill in full right there on the spot {$1700.00} on XX/XX/2019 ( proof of payment Attached ). It has since been over 2 months and they are still reporting to the all 3 credit bureaus that I have a balance of {$2.00}. I have filed a dispute with all 3 credit bureaus and BMW Financial Services responded to the credit Bureaus by saying the balance is correct and I owe {$2000.00}. I called BMW Financial Services End of term Lease dept and spoke with a supervisor by the named XXXX and all I got from XXXX is the run around. XXXX kept telling me that he sees a {$0.00} balance and doesn't know what else to tell me. So I then I asked XXXX If they can send me a letter in writing saying that I have a {$0.00} balance on the account and his response was no. I don't know what else to do. This is taking a tool on my credit report and my score went down due to this and its taking a tool on my life. Please help me. my number is XXXX and my email is XXXX XXXX
Consumer complaint received 2024-02-09
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. (CA)

pursuant to12 CFR Subchapter A part 202.4 per the FCRA and also 15 U.S.C 1681a ( 2 ) a-i The term " consumer report '' does not include : Any report containing information solely about transactions or experiences between the consumer and the institution making the report, any authorization or approval of a specific extension of credit directly or indirectly by the issuer XXXX XXXX XXXX XXXX has furnished nonpublic personal information such as income and transaction history to credit reporting agencies. Such is considered income per the Internal Revenue Service Publications, Charge-offs/gains are considered taxable income, and my income is non-public personal information that XXXX XXXX XXXX XXXX has furnished without my written or oral consent to the unauthorized agencies/non-affiliates Experian, XXXX and XXXX. which are third party companies! In doing so they have also violated the Privacy Act of 1974 per 5 U.S.C 552a ( 4 )! XXXX XXXX XXXX XXXX has reported from XXXX XXXX XX/XX/XXXX each month of transaction history furnished within this timeframe is {$1000.00} per violation per month pursuant to 15 U.S.C 1681n! I'm willing to settle for the said account being furnished to be updated to current and as paid as agreed.
Consumer complaint received 2019-06-12
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: DISCOVER BANK (WI)

First phone call : I called to confirm promo and what credit bureau is used since my credit is frozen They answered my question. The promo he had said " It is in an ongoing promo '' which means to me, that it is running, and something they always have. To Discover this means that it is something they sometimes have. Very misleading. 

I call because one of the credit bureaus was unable to be un-frozen. I called they ran a different and approved prior to this again verified the promotion. I did not have time to do the balance transfer at that time. 

I call after work to setup balance transfer. I'm told it is a 14 month promo, not 18 as promised on their website. They are not willing to honor the promo. They have since pulled my credit, approved a line of credit for something that I do not want to use as there are other options for me at 18 months. If I wanted something shorter I wouldn't have opened a new line and used a line of credit i currently have. 

They want me to fax the screen shot. I do not have access to a fax. I sent the link to the promo to them via XXXX messenger. Due to account security they refuse to forward to the manager required. It is not account information. It is a direct link to their site showing the promotion. I asked to talk to a higher manager and they are refusing. They are insisting on things they can't do instead of what they can. This is the digital age. I should be able to do this all via e-mail. How am I supposed to fax a link? They can't click on it. This could have all been resolved, but they insist on dragging it out. 

This is very poor business practice. Especially saying it is an " ongoing promotion '' What does that mean to you? Means to me that it is something that is available all the time. My credit has thus been pulled based on the information they have provided. This I am not able to undo and now is a negative impact on my credit score.
Consumer complaint received 2024-02-09
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. (CA)

I would like to dispute certain records in my credit file that do not belong to me, that I have signed any agreements, and that I have been the victim of identity theftall of which seem to be unaddressed. The things I'm disputing are unrelated to any transactions I've completed or approved in order to obtain goods, services, or cash. Kindly take out the following items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance : {$8300.00} ; XXXX XXXX XXXX Balance : {$94000.00} ; XXXX XXXX XXXX Balance : {$46000.00} ; XXXX XXXX XXXX Balance : {$94000.00} ; XXXX XX/XX/2023 ; XXXX XX/XX/2023.
Consumer complaint received 2023-04-01
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. (MI)

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX 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 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2018-06-16
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: WEBSTER BANK, NATIONAL ASSOCIATION (FL)

In XX/XX/XXXX, I submitted forms to XXXX XXXX ( divn of Webster Bank ) and XXXX XXXX for my account balance with HSA Bank to be transferred to XXXX XXXX in a trustee-to-trustee transfer. After waiting 8 weeks, I inquired with HSA bank why the transfer had not yet been executed, and was told the forms must have been lost. At that time, I re-submitted the forms to XXXX XXXX at XXXX XXXX, and was told the forms would be forwarded to the Operations Department for immediate processing of the transfer. 

As of XX/XX/XXXX, more than four months after originally requesting the transfer, XXXX XXXX has not yet transferred the funds to my HSA with XXXX XXXX.