davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-23
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: TRUIST FINANCIAL CORPORATION (GA)

XXXX- I sent XXXX via XXXX through BBT to XXXX for purchase of a personal computer and I did not receive the item. I saw this item on XXXX. I contacted my bank and they said the money had been delivered to the party and there is nothing they can do to reverse the transaction.
Consumer complaint received 2019-01-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (NY)

On XX/XX/XXXX my bag was stolen with my personal belongings including my debit card, my phone, my old drivers license, and my old school ID.in XXXX XXXX, NY. Due to a day full of finals on XXXX, I waited to make it to the bank and close my account/report card stolen. On XX/XX/XXXX after my last final I drove to a chase bank near my home.. I reported my card stolen. The lady at the branch checked my account to make sure the card was not used, and sure enough it was. 12 fake checks were deposited into my account. They were forged and made out to look like they were mine. I filled out a fraud claim. The signature on the fake checks does not even match MY personal signature.. I believe the fraudsters used my old student ID from my previous college to make the fake checks as the fake checks were made out to be written to me from XXXX XXXX. Red Flag # 1 : Out of three whole years of attending XXXX XXXX, I NEVER received a check from them.. I also no longer attend that school. Red Flag # 2 these 12 fake checks were deposited in XXXX, NY. I live 1 hour and a half from XXXX and have NO associations whatsoever with anyone from XXXX.. The 12 fake checks totaled {$4000.00}. I also had {$95.00} in my account which were used as well. Because my father was the joint owner of the account, Chase decided to take {$4000.00} out of his account and hold us liable when I was victimized. A bank that talks so much about making sure customers are pleased and supported, completely failed at supporting us. Instead of accepting my 4 different fraud claims, Chase denied every single one because they believe my pin was shared. I 100 % know I do not have my pin written down anywhere and have never given my pin away.This has been very unfair from Chase 's part. They have made it known that their customers really don't matter and they will do anything to keep our money. My father is now short {$4000.00} and Chase refuses to give the money back. It has been a never ending battle.
Consumer complaint received 2019-01-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I received money from FEMA in 2013 that was given to Capital One, my mortgage holder. They held it until such time as I paid off my mortgage. They released the funds to me in the form of a check. However, they included my wife 's name in the check. This made the check impossible to deposit at another bank. I sent them the death certificate and information regarding my position as executor of her estate. They never reissued the check and I never received the money. They continued to redirect me to my local branch and I pestered them for it, until they closed. Now they no longer deal in mortgages and I have no idea where the {$30000.00} is.
Consumer complaint received 2018-03-13
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Unexpected or other fees — 
Company: Coinbase, Inc. ()

I am an XXXX citizen living in XXXX. 
When I opened a Coinbase account I was asked to prove my identity and country of residence. 
After few month, I've tried once to access to my account when I was in XXXX for vacation. 
After this event, when I try to access to my account I lend to a page where is written that because of what recommanded by the U.S. Treasury and the Office of Foreign Assets Control ( OFAC ) my account is locked. 
I sent several emails but after more than 3 weeks I still can not access to my account.
Consumer complaint received 2017-12-21
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. (OR)

XXXX initiated a hard credit inquiry without my authorization. I called TransUnion to have it removed, and TransUnion refused to remove it without a letter from XXXX. XXXX will not tell me why they pulled my credit. They state that I must talk to their fraud department, but claim that they cannot transfer me internally (allegedly their transfer system is down?!), and both number that they gave me for their fraud department are "not in service" according to the operator. TransUnion has completely refused to remove this fraudulent hard inquiry, and XXXX has made it impossible for me to reach their fraud department to request the letter. I need your help to resolve this Catch-22. Thank you.
Consumer complaint received 2021-03-05
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Paypal Holdings, Inc (MN)

My account is on hold and I am unable to access my money. This is a Venmo issue with not being able to release the hold on my account. They are saying there is nothing they can do and I have to wait until the issue gets resolved. I have a Mastercard debit from Venmo. My account says they are waiting for a repayment to clear on XX/XX/2021 for {$70.00} at that time my account will be automatically reactivated. They say It is an issue on their end, but can not do anything about it. I have to wait for I do not know how long. I feel like it is a huge issue and needs to be investigated.
Consumer complaint received 2018-09-11
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: WELLS FARGO & COMPANY (ID)

I responded to an offer for a Wells Fargo Cashwise Visa Card. They opened the account. I was to receive XXXX bonus points ( {$200.00} ) after I made {$1000.00} in purchases within the first three months.

The offer clearly states : " 1. To qualify for the {$200.00} Cash Rewards Bonus, a total of at least {$1000.00} in net purchases ( purchases minus returns/credits ) must post to your account within 3 months from the date your account is opened. The bonus cash rewards will show as redeemable within 1 - 2 billing periods after they are earned. '' THIS IS A CUT AND PASTE FROM WELLS FARGO 'S WEB SITE MAKING THE OFFER. 

I completed the {$1000.00} in purchases on XX/XX/2018. The statement period ended on XX/XX/XXXX. Another statement period ended on XX/XX/XXXX. Another statement period should have ended around XX/XX/XXXX. There is no statement on their website as of XX/XX/XXXX but the account has a XXXX balance so there may be no statement generated. In any case, it's been three statement periods and the points have not been awarded. Their website shows that the bonus points expire on XX/XX/XXXX. 

I have a screen shot from their account web page that clearly shows : " Congratulations! You have a pending bonus since you have met the total Net Purchases spend as of today. '' In that pop-up screen, it also says the points will be awarded 1-2 billing cycles after the offer expires. But, that is not what the terms were in the offer. The same screen also shows that the points expire on XX/XX/XXXX. 

It appears as though Wells Fargo intends to expire the points before they make them available to redeem. Even if that is not the case, they have failed to make them redeemable within 1-2 statement cycles as advertised. I paid my propane bill on that card yesterday. I intend to pay that charge in part with those points. However, I have no confidence that Wells Fargo intends to perform on their offer. 

I have made several calls to Well Fargo and gotten several different answers. I have a recording from today where their second level supervisor says " yes the points should have been awarded already '' and then offers to open an investigation. I opted to be escalated to his supervisor who is supposedly " executive level. '' I doubt that, however, that person also wants to open an investigation. Whatever investigating needs to be done, should have been done after one of my previous calls. Clearly, when Wells Fargo investigates Wells Fargo, Wells Fargo finds that Wells Fargo has done nothing wrong.
Consumer complaint received 2024-03-20
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Information belongs to someone else
Company: TOYOTA MOTOR CREDIT CORPORATION (CA)

I am reaching out to address potential errors on my credit report. I kindly request your thorough examination of the following information to ensure its accuracy, timeliness, completeness, and verifiability. 

I have no knowledge of the account listed below and therefore request an investigation into their origin. I possess no documents such as a police report or fraud affidavit pertaining to this account. Additionally, please verify that they are not untimely, incomplete, inaccurate, or unverifiable. 

TOYOTA MOTOR CREDIT XXXX.
Consumer complaint received 2022-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MD)

Experian Credit is reporting a late payment on my report for @ XXXX XXXX? XXXX, however I have not incured Any late payments on Any accounts within the past year or so. When I contacted Experian about this the were not able to provide me with any open account that incured any recent late payment. Howbeit, they are reporting a recent late oayment on my account which is totally incorrect and caused my score to drop significantly. I verified with all of my reporting accounts and none of them justified any late payments as claimed. Can you please resolve this error. Thank you.
Consumer complaint received 2024-03-20
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: Bread Financial Holdings, Inc. (CA)

I am reaching out to address potential errors on my credit report. I kindly request your thorough examination of the following information to ensure its accuracy, timeliness, completeness, and verifiability. 

I have no knowledge of the account listed below and therefore request an investigation into their origin. I possess no documents such as a police report or fraud affidavit pertaining to this account. Additionally, please verify that they are not untimely, incomplete, inaccurate, or unverifiable. 

COMENITYCAPITAL/ ULTA XXXX
Consumer complaint received 2019-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Collection Bureau of America Ltd. (CA)

MY REPORT SHOWS TWO UNKNOWN ADDRESS THAT ARE LISTED AS MY PREVIOUS LEGAL RESIDENCE, ALSO A LIST OF MANY DIFFERENT LAST NAMES ARE ASSOCIATED NEXT TO MY NAME INCLUDING SOME ACCOUNTS WITH MY NAME MISSPELLED AND THREE COLLECTIONS I DONT RECALL HAVING ANY OPEN ACCOUNTS. PLEASE HELP CLEARING THE WRONG INFORMATION THAT IS AFFECTING MY CREDIT.
Consumer complaint received 2020-09-23
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: Experian Information Solutions Inc. (CA)

On XXXX XXXX I submitted disputes with all 3 credit bureaus, I have yet to received anything from them. I understand covid is going but this has been 2 months now and NOTHING. My understanding is they have 30 days NOT 60 is this unacceptable.
Consumer complaint received 2019-09-09
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc. (AR)

I had no knowledge of a debt with NCS debt collector until it was on my credit report. I have disputed on several occasions that I had no knowledge because I wasnt notified by the original creditor XXXX XXXX XXXX or the collection agency. On XX/XX/2019, I learned that the original creditor has been under new ownership twice when I contacted them so any questions about a debt is the responsibility of the original owner. No information on the owner during my residency can be found or provided by the two buyers. NCS was contacted, I requested the information of whom they was collecting the debt. XXXX XXXX at ext XXXX   told me she handles XXXX XXXX accounts and that she can not provide her client information. That I can dispute it with her and she will let her client know. She refused several times to give me the information which is a violation FCDPA Section 809. I suspect that they maybe also in violation of Section 812 reason being that I have never received notice of debt and the fact that they refused to provide the information requested.
Consumer complaint received 2019-09-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (AL)

Ive disputed this debt so many times until I dont know what else I need to do. Im not paying are settling the debt because I didnt create this debt. It very mind blown that people like me try to do the right thing and still be victims to violation like this. Ive asked this company for prof that this is my debt They so not respond back. So I really do hope that my voice and credit report is heard today. For the 100th times THIS IS NOT MY ACCOUNT. I DO NOT OWE XXXX  no money.
Consumer complaint received 2020-02-05
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$3000.00}, {$20000.00}, {$610.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- OPEN ACCOUNT 1.  XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$3000.00} -This is not my account. 


-- AUTO ACCOUNT 2. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$20000.00} -This is not my account. 


-- COLLECTION ACCOUNT 3. XXXX, XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$610.00} -This is not my account.
Consumer complaint received 2019-01-15
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Duvera Billing Services, LLC (NJ)

On XX/XX/XXXX, I went into XXXX XXXX in hopes of purchasing a cocker spaniel. I could not afford the price they were charging so they offered to finance the dog. I filed the paperwork for the loan using their in house lending agent. After filing the paperwork and reviewing it I found that I am being charged 151.97 % which is five times the legal limit of 30 % that can be charged in New Jersey as per Section 2C:21-19 - Wrongful credit practices and related offenses.
Consumer complaint received 2019-09-09
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. (NJ)

In 2018 I contacted XXXX around XX/XX/XXXX to close my account and start a repayment plan. At that time they said I was not elligible and had to wait 30 more days. but for some reason they still locked me out of my account, disabled all my mail and email notifications. Because of this apparently there was. {$13.00} payment that was missed, but never received any calls or anything about it. It showed up on my credit report as a late payment in XX/XX/XXXX, once I saw that i paid it immediately. I contacted some of the credit bureaus, XXXX would not removed it, XXXX did remove it. And I don't know If Experian did anything. I even contacted XXXX about it and they could not help me. This was not my fault and was completely out of my control. I was not even able to login to my account at XXXX. This is ruining my credit score
Consumer complaint received 2019-09-09
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: EQUIFAX, INC. (MA)

This collection has been paid in full and Equifax is reporting it like I owe this debt. I am writing to dispute U S DEPT OF ED/XXXX/XXXX XXXX on my credit report. The balance listed on the account is incorrect. Please delete the account.
Consumer complaint received 2019-01-15
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Bread Financial Holdings, Inc. (AR)

I am writing this complaint because I previously had an XXXX XXXX credit card. I mailed in my payment in full to XXXX XXXX in 2017 and a week later I received a letter from XXXX XXXX saying I owe the debt but I informed them that I had mailed the amount owed to XXXX. They told me I needed to call them because XXXX never received a payment from them. I immediately called XXXX and they stated they had not received a payment from me. I had sent them two payments on the same day. So I called XXXX back and we agreed to wait awhile but and almost two months later of going back and forth they stated they just received a partial payment from them. I then called XXXX again to inquire about the other half of the payment and they said they had no record that they received any payment for me ( which was crazy because XXXX had gotten a partial payment from them ). XXXX said they would look into the matter but no one ever called me back. After going back and forth with XXXX I just paid the remaining balance and filed a complaint with CFPB to have XXXX removed from my credit report because it should have never been put on there. They responded that they would remove it from my report and that XXXX was working to recall it from my credit. This debt has been paid in full and I would like XXXX removed from my credit report because they stated they were going to recall it to XXXX XXXX  and because they state they never received a payment from me but they sent XXXX a partial payment. I dont know what they did with other payment I made to them since they quote had no record that I sent in a payment. I havent heard anything else from them and would like this resolved as soon as possible. Thank you.
Consumer complaint received 2018-09-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

I have a Capital One credit card, Quicksilver, with no balance, and incurs an annual fee every XX/XX/XXXX of {$39.00}. In advance of that fee being charged to my account, on XX/XX/2018, I called Capital One customer service to evaluate my options regarding the upcoming fee. I was advised by the Capital One customer service representative that I was a customer in good standing with an excellent business record with Capital One and they would waive the annual fee once it was billed to my account on XX/XX/XXXX. On XX/XX/XXXX, I called Capital One, and after speaking with three different representatives, they advised that they would not be able to waive the fee, that it was against company policy. I have the XX/XX/XXXX call with Capital One recorded and when I advised them of the documentation, they became obstinate and would only continue the conversation if I ceased recording, even in light that they acknowledged they were recording the conversation. I advised that I made all calls from a 'one party consent state ' and did not have to disclose if I was recording the current call which they advised that they would not help if I was recording the conversation. It is an inequitable position to only have one party with the recorded conversation and is in everyone 's best interest to have the best available documentation of the conversation. In short, previous to the fee being incurred, I inquired with Capital One, was provided information and guidance that I faithfully acted upon, and when attempted to execute the financial commitment from Capital One, they reneged on their previous verbal contract to waive the fee once it incurred. Capital One has all the conversations recorded for review.
Consumer complaint received 2023-03-29
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. (OK)

I provided proof that the collection account XXXX XXXX # XXXX is reporting inaccurately and need to be removed. Transunion did not remove collection account # XXXX XXXX XXXX from my credit report. I provided proof that account XXXX # XXXX is reporting inaccurately and need to be removed. 


Transunion violated my consumer rights and 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate.
Consumer complaint received 2023-03-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX