davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-06-03
Product: Credit card — 
Issue: Payoff process — 
Company: WELLS FARGO & COMPANY (MI)

Wells Fargo Home XXXX XXXX Credit Card Program payment calculation is deceptive beyond belief ( it is so complicated it is hard to explain it all ). We used their charge card in XXXX for windows at 0 % for 60 months no interest if paid off after 60 months. The payment was divided among 60 months. In XXXX we added a charge for Blinds that was 0 % for 12 months. What they did not explain is how the payment was calculated for the XXXX different terms. We paid every payment for every charge on time until the last charge. We did not realize that the term was slightly different for the 12 month term. The 12 month " special rate deal amount was deferred interest, Wells Fargo only billing the minimum payment not dividing into XXXX equal payments which we would have paid off after 12 months. Instead the charge ( minimum pmt ) was combined with the 60 month term, but the statement did not show what was getting paid, as it is not separated on the bill. After 12 months it was n't paid due to misunderstanding the terms, therefore we were charged the entire year of astronomically high interest. Not only did it leave a larger balance than anticipated, but the payoff for the 12 month term was only giving the amount for that charge and did n't add in the payment for the 60 months. The interest rate immediately jumped from XXXX ( as if that is n't high enough - since our credit score is in the XXXX range ) to the 28.24 % If we had realized and paid the entire amount, we would then be short for the 60 month term because that amount is listed in small print in a separate sentence, so technically we 'd be in default on XXXX payments. The online payment option makes this very easy to overlook because you need to open the statement to realize that the Special Terms balance is due. The charge was put in my name, but my husband was paying the bills. You need a computer accounting program to figure out how the Wells Fargo bills the charges. Wells Fargo said it was up to the merchant to explain the credit card terms. We always make our payments on time and we even got caught on this XXXX. I would recommend never adding XXXX different terms to the same account. We paid off the balance today and will never, ever use Wells Fargo or any other " Big Bank. '' We are so upset because this is pretty much close to scam as far as I am concerned. The amount due to avoid interest should be on the front page with the bill, not on the second page in a paragraph format.
Consumer complaint received 2022-07-24
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: AR Resources, Inc. (NJ)

Assignment clause Notarized letter of debt purchase Signed contract from original creditor Signed HIPAA form I want to dispute this account but I still have not received anything I asked for them to prove 100 % verified or validation. This collection agency has not proved this account is mine. They have not sent me any of the proof : *Assignment clause *Notarized letter of debt purchase *Signed contract from original creditor *Copy of license to collect in my state legally This is a form of HIPAA violation. 
If they are saying it is verified then where's my proof? What methods are you using to verify?
Consumer complaint received 2022-03-05
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. (TX)

In accordance with with the Fair Credit Reporting Act XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C. 1681 Section 602 A. States I have a 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 2022-03-05
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. (TX)

In accordance with with the Fair Credit Reporting Act XXXX  XXXX Account # XXXX, has violated my rights. 

15 U.S.C. 1681 Section 602 A. States I have a 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 2023-06-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A. (AZ)

My debit card number was duplicated and my PIN number stolen. The first transaction was XX/XX/XXXX for {$43.00} then XXXX for {$23.00}, XX/XX/XXXX for {$110.00}, and XX/XX/XXXX for {$43.00}. I called and reported all of these as fraudulent to my bank. The dispute was denied because I had the debit card in my possession at the time of the theft despite my telling them they are fraudulent charges. I went to the bank and got a new debit card. On XX/XX/XXXX I reattempted to initiate a dispute and was again denied. My debit card information was again stolen, duplicated, and my PIN number used on XXXX for {$53.00}, XXXX for {$130.00}, and XXXX for {$43.00}. I have re-initiated a dispute and this time started a police report because I have lost almost {$500.00} that my bank refuses to help me recover claiming that there is nothing they are willing to do because the card has been in my possession despite my telling them where I think the information is getting stolen from and the police acknowledging that cards get duplicated.
Consumer complaint received 2022-03-05
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Was approved for a loan, but didn't receive the money — 
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

Pretty there is someone out there using capital 1 to scam people that have applied for personal loans. I got a text that started like this. 

Dear customer We are happy to inform you that CapitalOne has approved your loan. 

Loan Approval ID - XXXX Loan upto {$8000.00} Period upto 48 months If youre still looking for loan so reply YES or CALL on ( XXXX ) XXXX Thanks & Regards, XXXX XXXX Loan Manager. 


They would proceed to send 900 to my bank. Then asked for it back in target gift card to confirm my bank. Then I sent them the gift cards and 2 days later the amount that went into my bank bounced. They would proceed to apologize and say that was in error by accounting. Deposit a larger amount and ask me to send them the difference. I knew something was up then and had my bank stop all transactions and they are looking into it. This is the persons phone # ( XXXX ) XXXX and they will pose as a loan person from capital one every time they pick up. I asked for a contact manager and they said it was XXXX XXXX phone # ( XXXX ) XXXX. XXXX in accounting department in finance. Email is XXXX. I called that number and that person picks up stating they are a capital one manager. Please investigate this or if there have been other reports like this and let me know. If you need my bank to get copies of the payment that went in or the target gift card details I would be more than happy to provide.
Consumer complaint received 2022-03-05
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Medical-Commercial Audit Inc (IL)

I have no knowledge of any account being in collections I received a notification from one of the credit reporting agencies that I now have a derogatory mark on my credit due to a collection account from mca management company a company Ive never done business with. Im disputing this debt & the validity of this debt in its entirety and requesting a debt validation letter. THIS IS a direct violation of my rights as a consumer per the fair credit reporting act I have to be properly notified of the said debt prior to placing anything on my credit report which this clearly wasnt done THIS DEBT IS INVALID. remove this account and any trade lines affiliated with it immediately I know my rights as a consumer I will move forward with litigation against your company for and violating the fair credit reporting act for placing this derogatory mark without any debt validation /failure to notify
Consumer complaint received 2018-05-16
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In XXXX I wrote to all 3 credit bureaus asking for their method of verification as it pertains to verifying a bankruptcy. Instead of replying to my requests within the required15 days, XXXX, XXXX and Transition, made a decision to ignore the 15 day reply for my MOV request as well they took it upon themselves to update all my credit reports by verifying my bankruptcy and giving my public record a new updated date. I did not request a dispute on my public record, all I had asked for was their MOV. I am aware that the credit bureaus receive their information from third party companies, In XX/XX/XXXX, I placed a security freeze on all of them, including XXXX XXXX. I am quite upset that the credit bureaus lied and told me that they verified my information. How is it, that they can verify my information, if my personal file is frozen? Idid not want to give them the opportunity to change their answer or do anymore damage to my credit file for this unverifiable information. Transunion lists my public record was updatedXXXX, XXXX, lists my public record update as XX/XX/XXXX, XXXX has not updated my public record, but they also have not sent me their MOV  either.
Consumer complaint received 2022-06-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (HI)

I made a number of purchases through the Shop Through Chase portal that I haven't received credit for on my Chase Freedom Unlimited credit card.. 

I called in midXX/XX/XXXX, received an unsatisfactory response via post office mail about a week and a half later, and have subsequently sent messages on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX providing evidence of my clicks, receipts, my charge history, my Shop Through Chase click history, my order confirmations, and explanations. Chase has provided little to no response and no effort to resolve the situation except to tell me that they see my clicks through the portal. They also only respond once every three - five days because my replies need to be forwarded to the correct department before I get a response. 

I've also provided them a systemic issue- I had all of my clicks registered for purchases prior to XXXX, and once I moved to Hawaii, none of my clicks counted anymore. There's been no effort to resolve this issue. 

I have provided exact timestamps of my purchase receipts ( which I am sure are only a couple of minutes after the time of the click on my Shop Through Chase portal ) and while Chase has not yet provided a time for my click, I think it would show that the purchase happened a couple of minutes after the clicks, and it would be clear. Chase also has the time that the pending charge has hit the credit card, which should closely correspond to the time of the clicks. 

Chase acknowledges that I made the purchase on the correct credit card, acknowledges the click, and yet does not acknowledge that I should receive credit for the click even though I followed all the conditions for receiving rewards through the Shop Through Chase portal. 

I did not receive credit for these purchases on these dates : Click history : XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX 's XX/XX/2022 They are associated with these transactions on my credit card ending in XXXX : XX/XX/2022 XXXX {$810.00} XX/XX/2022 THE XXXX XXXX # XXXX {$82.00} XX/XX/2022 THE XXXX XXXX # XXXX {$38.00} XXXX XXXX, 2022 THE XXXX XXXX # XXXX {$320.00} XXXX XXXX, 2022 XX/XX/XXXX# XXXX {$54.00} Because I am confident this is a systemic issue, I have also offered to replicate the issue for them - I am confident I can make a click through their portal, make a purchase, and not receive credit for it. Chase has not responded to this.
Consumer complaint received 2022-03-05
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. (TX)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX account # 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 2022-03-05
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. (TX)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX account # 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 2020-12-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (GA)

There is a collection agency in my credit report name Midland with the Amount of {$1300.00} thats is not mine. They have a date of 2016 being opened, I was XXXX  on those years. I have sent proof to XXXX but the problem has not been resolved. I need that to be removed from my credit report.
Consumer complaint received 2022-03-05
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. (NY)

The following accounts are in violation of US 15 1666b : 1 ) XXXX XXXX XXXX XXXX ( Account Number : XXXX ) Time of delinquency : XX/XX/XXXX I also have a goodwill adjustment letter from the CEO of the bank XXXX XXXX. And the three credit bureaus are refusing to honor this letter. 

2 ) XXXX XXXXXXXX ( Account Number : XXXX ) Time of Delinquency : XX/XX/XXXX XXXX ) XXXX ( Account Number : XXXX ) Time of Delinquency : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX ) XXXX XXXX : ( Account Number : XXXX ) Time of Delinquency : XX/XX/XXXX These four companies are all in violation of United State code 15 1666b and also United state Code 15 1681n. As a direct violation of my rights and the US code, the following late payments must be removed from my credit file : 1 ) XXXX XXXX XXXX XXXX ( Account Number : XXXX ) Time of delinquency : XX/XX/XXXX 2 ) XXXX XXXXXXXX ( Account Number : XXXX ) Time of Delinquency : XX/XX/XXXX 3 ) XXXX ( Account Number : XXXX ) Time of Delinquency : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 4 ) XXXX XXXX : ( Account Number : XXXX ) Time of Delinquency : XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2022-03-05
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. (NY)

The following accounts are in violation of US 15 1666b : 1 ) XXXX XXXX XXXX XXXX ( Account Number : XXXX ) Time of delinquency : XX/XX/XXXX I also have a goodwill adjustment letter from the CEO of the bank XXXX XXXX. And the three credit bureaus are refusing to honor this letter. 

2 ) XXXX XXXXXXXX ( Account Number : XXXX ) Time of Delinquency : XX/XX/XXXX 3 ) XXXX ( Account Number : XXXX ) Time of Delinquency : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 4 ) XXXX XXXX : ( Account Number : XXXX ) Time of Delinquency : XX/XX/XXXX These four companies are all in violation of United State code 15 1666b and also United state Code 15 1681n. As a direct violation of my rights and the US code, the following late payments must be removed from my credit file : 1 ) XXXX XXXX XXXX XXXX ( Account Number : XXXX ) Time of delinquency : XX/XX/XXXX 2 ) XXXX XXXXXXXX ( Account Number : XXXX ) Time of Delinquency : XX/XX/XXXX 3 ) XXXX ( Account Number : XXXX ) Time of Delinquency : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 4 ) XXXX XXXX : ( Account Number : XXXX ) Time of Delinquency : XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2022-03-05
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)

EXPERIAN, XXXX AND XXXX ARE REPORTING A FRAUDULENT ACCOUNT ON MY CREDIT REPORT. BELLOW IS THE FRAUDULENT ACCOUNT INFORMATION : XXXX XXXX XXXX XXXX- XXXX XXXX XXXX XXXX
Consumer complaint received 2020-12-16
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble getting information about the card
Company: U.S. BANCORP (OR)

XX/XX/2020 I tried to activate the card. Unemployment insurance stated that US bank relia card froze the account and that I needed to deal with them. US bank stated that unemployment froze the card. I have been on hold all day between the two of them. Both have pointed fingers to the other source and then won't release the money to me. I spent five hours to speak to a live person at the unemployment department and three hours on the phone with US Bank relia card services and no one has a way for me to clear this.
Consumer complaint received 2024-03-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (GA)

I had a business credit card with Chase. Due to global economic constraints, I fell behind on my payments. Chase reported this to my personal credit profile which significantly impacted my credit rating. I made arrangements to bring my account current and did so in the period established by Chase. Most recently I missed 1 payment date ( under 30 days ) and chase reported my account as 120 DAYS late to the credit bureaus. This is immoral and predatory.
Consumer complaint received 2022-06-18
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: JPMORGAN CHASE & CO. (WA)

In XX/XX/2022, my account balance went below the {$1500.00} average daily balance for a few days and JPMorgan Chase charged me a {$12.00} fee. I messaged them and requested they refund the {$12.00} fee, which they did. 
Then in XX/XX/2022, they charged me another {$12.00} fee for being below {$1500.00}. But my account only was below the {$1500.00} average daily balance because they deducted the {$12.00} for the fee, which they eventually reversed. I didnt spend any other funds from my account. I requested that they refund the XX/XX/2022 fee because the only reason my account was below {$1500.00} was due to their XX/XX/2022 fee, which they reversed. But they declined to refund the XX/XX/2022 fee. This feels like an unfair and deceptive practice.
Consumer complaint received 2022-03-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (NY)

TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report.

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2020-12-16
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: EQUIFAX, INC. (TX)

I respectfully request your prompt attention on the following and accurate information on my credit report. 

For your convenience, I have attached all disputing items listed in the enclosed pages of my credit report. 

The following items is is accurate and negatively affecting my credit. Please ring investigate this matter and delete and or correct the disputed items. 

I have contacted XXXX, Equifax, XXXX XXXX and XXXX XXXX on XX/XX/2020. 

I explained to all of them that there is inaccurate information being reported on my credit report. Both, XXXX XXXX scores, split file and merged tradelines. 

I am writing to disputed the inaccurate information being reported on my credit report regarding " XXXX XXXX XXXX XXXX '' is reporting under " XXXX XXXX as a credit card. 

XXXX XXXX  is not a credit card account they only report to Equifax and XXXX  on weather or not I pay my rent on time. Became XXXX XXXX XXXX XXXX is being reported as spilt account on my credit file it is negatively affecting my credit utilization scores. 

I've reached out to all agencies to have them to correct the issues. However, they have failed to do so. 

I respectfully request that all agencies provide me with proof of disputed items specifically any contracts notes court documents or any instrumental bearing my signature. 

Failing that, this item must be deleted. 

You may send an updated copy of my credit report to the below address. 

I can be reached at XXXX or at XXXX or XXXX XXXX XXXX  XXXX TX XXXX. 
XXXX XXXX
Consumer complaint received 2022-03-05
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: EQUIFAX, INC. (NY)

On XXXX, I've sent dispute letters to Credit Bureau and did not receive investigation results within 30 days. I've sent certified mail with disputes letters also.
Consumer complaint received 2022-03-05
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: Experian Information Solutions Inc. (TX)

On XXXX2022 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.