davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-02-19
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: WELLS FARGO & COMPANY (CA)

In early XX/XX/XXXX I was contacted by a man who gave the name XXXX XXXX under the phone number XXXX, claiming to be part of the loan company XXXX offering me a low interest rate loan that I qualified for under the new XXXX - XXXX XXXX. Then using my identity he was able to access my Wells Fargo bank account and had unauthorized refunds issued by the bank by making fraudulent claims on multiple creditor accounts. Of note, Wells Fargo has admitted that after hearing the recordings it was definitely not me, nor my phone number. They never asked for a passcode or other security information to verify that it was in fact me. Also of note, the identity theft and fraud through Wells Fargo had been over multiple days and involved more than ten separate transactions ; totaling loss of {$7500.00}. As soon as I became aware of what was going on I immediately notified Wells Fargo, the branch as well as the dispute office. I have written Wells Fargo on this issue over five times and called well over 30 times ending up with the last report being filed in XXXX of XXXX with claim representative XXXX XXXX report number XXXX, contact number XXXX. I was promised a resolution within 10 days and never received any further contact. Beyond the {$7500.00} in losses my credit score dropped over 250 points. Wells Fargo never notified my creditors of my fraud and I have been denied on over 8 separate occasions from opening a checking account. Lastly, Wells Fargo has admitted that they never returned the fraudulent withdrawals from my creditors even though I immediately notified them of the fraud.
Consumer complaint received 2015-11-14
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NV)

This has been ongoing since Monday. I recently signed up for a Capital One card to help rebuild my credit. When I applied I was asked to show my id in photo. I showed them my passport, I was approved for the card and have made some purchases with the intent of paying off my card in full within 25 days to avoid interest. This week my card was turned off suddenly and I was asked to call. I find out that they require my ID again, social security card, and a utility bill to " confirm my identity. '' I send it off and I receive a call today telling me that the documentation I sent was n't good enough and I need to send my social security card and my utility bill again. This is after spending two hours going back and forth with them and this entire process making me feel as if I 'm being treated like a criminal when I 've done nothing wrong. I sent my documentation and they said they ca n't do anything until Monday. This is just unacceptable practices and the fact they 've gone out of their way to treat me as if I 'm a criminal just tells me Capital One is a disgusting company.
Consumer complaint received 2021-11-18
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (FL)

Insurance company XXXX has been taking out money of my account for months. Small increments at first but yesterday they took {$800.00} out of my account and it put me in the red and owe an overdraft fee. The bank refuses to dispute it saying I have to demand my money back from XXXX. I NEVER authorized XXXX to take any money out of my account, nor do I have them as insurance. I need that money as I live with my XXXX son who can't work.
Consumer complaint received 2020-02-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

CHECK FOR METRO 2 REPORTING COMPLIANCE versus alleged data that is NOT YET PHYSICALLY CERTIFICATED as FULLY TRUE, ACCURATE, COMPLETE, TIMELY, MINE, MY RESPONSIBILITY or adequately displayed as MANDATED by every and one even each any and or all laws, mentioned or NOT.
Consumer complaint received 2020-02-19
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. (UT)

XXXX XXXX has several erroneous charges reporting to my credit. My insurance and XXXX XXXX plan are currently paying these off and I never received a notice for any of these collections before they were added. My XXXX XXXX advised I should not pay these because they have already been paying for them and there is no reason these should be on my credit report.
Consumer complaint received 2018-07-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

I contacted Bank of America that I wanted to cancel my XXXX XXXX branded credit card when I recieved my advance notification of my renewal fee. This was approx. 6-8 weeks prior to the renewal date. The agent assured me he would cancel my account. 

Instead, they did not cancel my card, and charged me the annual fee. When I attempted to contact them to discuss the issue on XX/XX/2018 between XXXX XXXX, they never answered the phone. I even tried to get help through their fraud department who also gave up on trying to get their own customer service department on the phone. Their website provides no online options, no addressses, nothing other than the phone no. that they will never answer. I spent a combined time of 1.5 hours on hold, attempting to get help. They never responded. I dont know what else to do. It appears that they are purposefully trying to avoid cancelling my account.
Consumer complaint received 2020-02-19
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. (UT)

XXXX XXXX has several erroneous charges reporting to my credit. My insurance and Health Share plan are currently paying these off and I never received a notice for any of these collections before they were added. My Health share advised I should not pay these because they have already been paying for them and there is no reason these should be on my credit report.
Consumer complaint received 2020-02-19
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. (UT)

XXXX XXXX has several erroneous charges reporting to my credit. My insurance and Health Share plan are currently paying these off and I never received a notice for any of these collections before they were added. My Health share advised I should not pay these because they have already been paying for them and there is no reason these should be on my credit report.
Consumer complaint received 2020-02-19
Product: Debt collection — Private student loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Asset Recovery Solutions, LLC (PA)

Several of the XXXX XXXX that I am responsible for covering received a high volume of calls asking to speak with me and sometimes multiple times to the same store in a day stating " they had a business  '' deal for me which has caused harm to my reputation within my XXXX  and has created hardship
Consumer complaint received 2022-09-26
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. (NC)

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX Balance : {$11000.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : $ XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX
Consumer complaint received 2021-11-18
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: The Moore Law Group (CA)

I was sued by the Moore Law group. They claim to represent XXXX  XXXX XXXX for an old credit card debt. I was never personally served by the Moore Law Group and they served someone at an old mailing address I do not use.
Consumer complaint received 2021-04-16
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: AAA Auto Title Loans, LLC (AZ)

I have repeatedly told cash one to not use the card on file to make a payment and I revoked the automatic payment. But they are still taking money out of my account and will not do anything about this. They are harassing with their calls too. The cash one employees over the phone are beyond rude and disrespectful, and now they are taking out money without permission.
Consumer complaint received 2023-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have submitted a complaint with the three credit bureau well over XXXX  days ago and have yet to receive any correspondence back from them and this has caused me great hardship, i want to get this resolved asap so I can move on with my life...
Consumer complaint received 2020-02-19
Product: Credit card or prepaid card — Store credit 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: Bread Financial Holdings, Inc. (CO)

I purchased rings at Zales and spent over XXXX, which was fine. When I applied for the credit the card machine/screen was down so you could not read the agreement. I let the customer service rep know, to which she gave me two options. A fixed amount of interest for the entirety of the loan or 18 months free interest. After the 18 months the interest would start on the remaining balance. The balance after 18 months was XXXX I made large payments every month on time every month. I had the account on auto pay and made double the minimum amount. I can provide statements of these payments, I am very conscious about my credit and take it seriously. 

On the 19th month I received a statement stating my balance was now over XXXX. I called Zales right away and notified them there was a billing error. At this time they let me know the " agreement I signed '' stated 18 months is true but only if the entirety of the XXXX was paid in 18 months. If NOT the interest would be added as if the promotion never existed. I was unable to read this or a get a copy of such agreement since the machine was down and the customer service representative lied about this. Had I known this was the agreement I wouldn't have signed because its nearly impossible for someone to pay nearly XXXX in such a short period. 

They charged me over XXXX in interest. I have called Comenity Bank several times throughout the year trying to get the issue fixed I have also wrote several letters. I am more than willing to pay the remaining balance of what is rightfully owed to them, which was XXXX before the billing issue and I am willing to pay interest on the remaining balance because that is what I agreed too. 

I contacted the XXXX a month ago and the company has now reimbursed me XXXX which I am grateful for but is still incorrect. My new balance is now XXXX which is incorrect. I am asking the company to do the right thing which should have been done from the beginning. I would like to pay the remaining balance of what was owed before the issue. I would also appreciate it if they contacted the credit agencies and remove the negative marks I am now facing due their poor customer service and incorrect information they are reporting. I have never been late on ANY payments ( ie : mortgage, cars, credit cards all of them are on autopay. ) I have recently made a payment to Zales even though the amount is still incorrect as good faith showing I am trying to do the right thing. I have also reinstated the auto pay I would just really appreciate it if they did the right thing. I feel as though they are practicing unfair and misleading credit practices in order to get sales and commission. 

Thank you for your help.
Consumer complaint received 2020-02-19
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other service problem — 
Company: WESTERN UNION COMPANY, THE (WI)

Western Union advertising free transfers from bank to bank, they send a Pin for verifications, however they don't allow online transfer of {$480.00} for second time already. When I contacted mngr today XX/XX/20 at XXXX   XXXX, manager told me that " for verification of identity I have to go to the location. So the spam is that location charge around {$20.00} for the service, which means that while deceptively advirtizing free transfer on reality Western Union is making free transfers impossible. Another words I see it as bite and switch and deceptive advirtizing.

If Western Union was just about to " identity verification '' they should make " location transaction '' free too.

I request to investigate deceptive business practices by Western Union
Consumer complaint received 2020-02-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ORG GC GP BUYER, LLC (AZ)

I received a collection letter from the XXXX   State Treasury Dept. indicating that I have a collection balance of {$3200.00}. When I contacted them they indicated that this balance had already been sent to a collection agency and was referred to contact them. I contacted the collection agency and was advised that the balance was for not filing XXXX XXXX  State Taxes. I explained that I did not live in XXXX  in XXXX, I lived in XXXX  and filed State Taxes in XXXX. I moved to XXXX   XX/XX/XXXX ; therefore, taxes were not filed with the state of XXXX  for that year. I was instructed to send proof that I had filed elsewhere. I explained that I no longer have copies of my XXXX tax returns or W2s as this was over 8 years ago. As this is not my error, I asked the Collection Agency to  research this mistake on their end, as due diligence should have been done prior to sending me to collections. I was advised they were unable to do that. I tried obtaining the requested information but there's a {$200.00} fee to pull these records and have spent countless hours on the phone trying to contact the IRS to obtain such info, which there is also a fee for. In addition, I was never notified that there was an outstanding balance until I was already sent to collections. I am requesting that this is investigated further and cleared, as no error was made on my part and I shouldn't have to send any information to them.
Consumer complaint received 2022-10-11
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. (GA)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.
Consumer complaint received 2021-11-17
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: LEXISNEXIS (CA)

XX/XX/21 I sent a letter to lexis nexis certified mail # XXXX regarding verification and deletion of bankruptcy and inaccurate info. Lexis Nexis has reported a bankruptcy to a third party company ( consumer agency ) without my consent and is in violation of my privacy. Attached in the letter to this complaint I requested answers to a few questions and never received any response. Its been more than 30 days .... -Proof that you did not violate 15 usc 1681 ( a ) ( e ) -That this bankruptcy is verified, and since the courts did not verify, congress states that you would have to conduct an investigation with neighbors, friends or associates which I know was not done neither. -That you had consent/persmission from me to report such information with signature or written instruction 15 usc 168b ( a ) ( 2 ) -That you did not infringe upon my consumer right to privacy which is a form of identity theft 15 usc 1681 ( a ) ( 4 )
Consumer complaint received 2021-08-24
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. (GA)

I sent my first letter last XX/XX/XXXX and I still have not gotten any response from Equifax regarding verifying inaccurate items on my credit report.
Consumer complaint received 2018-07-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: WELLS FARGO & COMPANY (NY)

After bankruptcy, i tried to rebuild my credit. I applied to a wellsfargo creditcard and was told no a couple of times and i was told i was denied because of the bankruptcy. I was told i could open a secured card to rebuild my credit with a deposit. I opened it with XXXX then i was told i need to open a checking account with XXXX and a saving because wells fargo does not lend to non customers. I need to build my credit so i agreed. After a few years in fees in the checking, savings and credit card. I decided to park XXXX in the saving to avoid fees yet i was still charged and when i called to complain they told me i need to keep a minimum of 300 a month this went on for 3 month were i did not touch XXXX from the account and was still charged monthly fees, so i pulled the money because they would charge me the monthly fee regardless. After a while wellsfargo returned my security deposit and increased my balence of credit. I fell in hard times and used it. After a while i tried to renegotiate my rate and was told no multiple times. So i said i would close the checking and savings. I was reminded by the bank that they only extend credit card to bank customers and if i was not a customer my balance was due. I did not have the cash so i just left the account open. I dont even use the checking and savings with them, i have a main account with chase were i pay my bill and everyday expenses.
Consumer complaint received 2020-02-19
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: ONEMAIN FINANCE CORPORATION (CO)

I applied for the secured loan via website. After putting my income in the company pre approved me for a secured loan up to {$10000.00}. I then submitted my income and buyer order for the vehicle. The branch manager submitted my docs to underwriting and first contact was to ask for my last paystub of XXXX. This was not a reflection of my current income and I let them know that. I then provided them proof of my overtime allowance ( stub from XX/XX/XXXX ) and also proof of my wage increase. The next contact with XXXX the branch manager stated that they would not credit me for all my earned wages, and that they would approve me for a {$4000.00} loan based on income they calculated. I did the math and they were taking my income from the previous year, and not my current wages. From XX/XX/XXXX through XX/XX/XXXX I took home net pay of {$7000.00}, that would be a projected net income of {$84000.00} for XXXX. Instead XXXX the DM,  and XXXX used old paystubs to determine a net monthy income of {$3500.00}. They said they needed an exception to give me credit for all my earned monthly wages in XXXX. I provided all that they asked and my income is in black and white, along with updates to something I was not responsible for on my credit report. One Main chose to make thier own figure up, count retroactive pay, and not give me credit for earned wages. Furthermore they denied my application, after XXXX the branch manager told me I was approved for a lesser amount. They manipulated my income, changed terms mid deal, and provided no reason for discounting my earned income.
Consumer complaint received 2020-02-19
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: The CBE Group, Inc. (UT)

CBE Group has several erroneous charges reporting to my credit. My insurance and Health Share plan are currently paying these off and I never received a notice for any of these collections before they were added. My Health share advised I should not pay these because they have already been paying for them and there is no reason these should be on my credit report.
Consumer complaint received 2021-11-17
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: Experian Information Solutions Inc. (CA)

I received a postcard from XXXX thanking me for applying for a checking account on XX/XX/XXXX. The applicaton number is XXXX. I didn't apply for this checking account. Also on XX/XX/XXXX a visa credit card application XXXX was applied for. I didn't apply for this credit card. Bothe the checking account and credit card applications were denied by XXXX XXXX. My social security number and personal information were used fraudulently. I want the hard inquiry to be removed from all my credit reports