davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-11-16
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: JPMORGAN CHASE & CO. (OH)

I had found a bunch of fraud on my XXXX checking accounts with Chase bank, and called and reported it. On the XXXX account ending in XXXX they found in my favor completely, on XXXX/XXXX/15 I realized that they have n't done anything on my other account, so I called and reported it again, this time on just the XXXX account. I received an email that they need more information, and called immediately, then I got a letter that they had found against me and would be taking the money back out of my accounts. So I called and enquired what they did, and I was told that they did n't actually investigate anything but they said since I did n't report it in a timely manner ( which I had according to law, and according to law I can not be held liable for fraud over {$100.00} to a debit or checking account credit card ) and therefore since I had access to the account the entirety of the time, they refused. So of course I flipped my lid because that was just wrong and the girl told me she would put it up for re-investigation and send me their files and then I could respond again. Today, they took XXXX and it bounced both my accounts into the negative and it is their fault for not investigating both accounts in the first place, again they found in my favor completely with my other dispute. Furthermore, this dispute should be resolved by actually investigating, I am absolutely appalled at how they handled this, especially since they have been an outstanding bank in other instances, I 've never had a problem with them.
Consumer complaint received 2021-12-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

Hi Transunion has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my XXXX has me at a credit score over XXXX transunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my XXXX 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 XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX 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 XXXX 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 XXXX n cant provide to my XXXX year old daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.
Consumer complaint received 2019-10-09
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (CA)

On or about XX/XX/XXXX I purchased a washing machine from Home Depot. I was going to pay with an XXXX card but received an offer of an additional discount and " 12 Months No Interest. '' I initially did not receive the new account discount and had to call customer service to correct it. I did not receive any billing statement. At the beginning of XX/XX/XXXX I went to a retail store, made a {$100.00} payment and the representative called Citibank, requested the late fee reversed and paper billing. I did not receive paper billing and was subsequently locked out of the online portal. I made a {$50.00} payment at a retail store on or about XX/XX/XXXX and due the difficulty in using the account, I called on XX/XX/XXXX, obtained the payoff amount of {$500.00} and paid that amount in full. XX/XX/XXXX while debating on making additional purchases, I found a late notice in my junk email box. I was charged {$34.00} retroactively dated XX/XX/XXXX for " deferred interest. '' I called Citibank and the customer service representative stated I was charged interest due to a late fee and a late fee for the unpaid interest and stated there was nothing she should do. I was transferred to an escalation queue, told by " XXXX '' that managers don't accept customer calls and that Citibank was not going to reverse the fees. I advised I was not going to pay the fees so Citibank closed my account as punishment. I submitted a written complaint and received a message with the customer service number in response. This activity is deceptive at best, but appears abusive. It will also have negative impact on my credit score.
Consumer complaint received 2021-12-10
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: Radius Global Solutions LLC (TX)

RADIUSGLOBAL has failed to validate that this account is reporting maximum possible accuracy per the FCRA. I have initiated several attempts through the credit bureaus and collection agencies to have this account validated and has not received a response and I have reason to believe that reasonable procedures were not conducted on these accounts due to the current violations I have found as if relates to my credit profile and unverified accounts also I already demanded a proof of how you dealt with the information that you indicated in my credit report. Again, if you can not prove any of the information mentioned in the past credit report data that I contested with, please remove them on my credit history. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed ( letters attached to show when I disputed account below ) 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA XXXX per the FTC opinion.
Consumer complaint received 2019-08-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

First of all, I never applied for any accounts with XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX  ) XXXX, ( Original Creditor : ) XXXX, XXXX XXXX XXXX XXXXXXXX therefore I have no knowledge about this company. Can you please just remove this information off my credit report so that I may go on with my life. Thank you.
Consumer complaint received 2020-02-19
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Improved Data Services LLC (WA)

On XX/XX/XXXX I received a voicemail on my work phone from XXXX to contact her at XXXX reference account XXXX. During our conversation, we discussed settlement options and I agreed to touch base with her the following week after doing some research on financing a resolution. During that time I secured funds to enter into a payment arrangement with the company for the debt they were representing XXXX XXXX XXXX XXXX. 

Prior to ending our conversation, I asked that my work not be contacted in the future for my personal matter ; XXXX agreed to update my account contacts to reflect only my personal number. 

Today XX/XX/XXXX at XXXX I received another call on the same work line from XXXX. The automated message redirected me to a man who identified himself as XXXX XXXX. He made introductions and inquired about the status of the agreement. I asked him first to update the contact information again to not be work. His response was to ask me " how embarrassing it would be for [ me ] to be served at work in front of colleagues. '' At that point, the conversation deteriorated and we ended the call. 

In addition to a violation of the FCRA work call prohibition, the man was extremely rude and I think he may have followed insincere threats to sue prohibitions as well.
Consumer complaint received 2021-12-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Synovus Bank (AZ)

Had a secured credit card with First Progress. Opened XX/XX/XXXX and closed by the financial intuition on XX/XX/XXXX. The card had a {$300.00} security deposit. Security deposit has not been returned. Card had a zero balance with no pending transactions. Was not able to contact first progress by phone or online. Sent a letter in XX/XX/XXXX, requesting my security deposit be refunded and provided my card and updated information for myself. Have not received a response
Consumer complaint received 2019-08-06
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)

First of all, I never applied for any accounts with XXXX XXXX XXXX XXXX**, XXXX XXXX XXXX****, XXXX XXXX XXXX XXXX**** , XXXX XXXX XXXX****, XXXX XXXX ( Original Creditor : 08  XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX****, XXXX XXXX ( Original Creditor : 10 XXXX   XXXX XXXX XXXX ) XXXX**, XXXX XXXX ( Original Creditor : 12 XXXX XXXX XXXX XXXX XXXX ) XXXX****, ( Original Creditor : ) XXXX****, XXXX XXXX   XXXX XXXX**** therefore I have no knowledge about this company. Can you please just remove this information off my credit report so that I may go on with my life. Thank you.
Consumer complaint received 2021-12-10
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. (FL)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court.
Consumer complaint received 2019-08-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: Atlanticus Services Corporation (CA)

The company told me in a commercial personalized form letter affixed with a credit card cardboard simulation along with a summary of credit terms all delivered on XX/XX/2019 to my home address in one standard business envelope that I am pre-approved for a {$1000.00} credit limit that has been reserved especially for me and used such letter to successfully make me go within an hour of my own in-hand receipt on such same delivery date of such same mailing to a certain website and enter a certain supplied Acceptance Code and accept my such offer entering my contact information and income amount. Then, immediately, such company delivered to my inbox a notice of denial of my such application stating my such denial reason as Insufficient Income/Low Income, but I feel that such reason is an act of discrimination against me on the basis of my marital status, from such same email message to me, as to me such denial reason reflects two different income states, one being insufficient and the other being low, which, to me, does not necessarily mean the same thing as insufficient. Likewise, such same letter to me includes graphics of a woman ( shadow of a full-haired person wearing a dress ) holding up one of such same credit cards to a man ( shadow of a flat-haired person not wearing a dress ) both standing just above the words, build, grow, and aspire, but such company did not hire me or get me hired and also did not state anything about driving status, income, sexual orientation, or housing in such same email message to me. Therefore, such company, not including driving status, income, sexual orientation, and/or housing in its own definition of marital status, blocked me from joining accounts.
Consumer complaint received 2023-06-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (GA)

We pay our Mortgage to New Rez LLC dba/ Shellpoint Mortgage Servicing online and have always made extra escrow payments projecting any future shortages. Last year we paid our shortage in full to prevent any increase in monthly payment. Something our mortgage company has always offered & allowed. ( the assessment letters even state this ) They mailed us a refund for the extra we paid last year ( XXXX ) stating there was an overage and yet raised our monthly payment. This has happened again this year. We recently received our ( XXXX ) escrow assessment stating that there was a shortage this year and that even though we could pay this shortage up front, they have decided to spread it over 12 months and once again raise our monthly mortgage payment. We've communicated with them by email and phone multiple times. We keep getting the same computer-generated letter stating they are working on this. 
We are eligible to delete our escrow account with our mortgage lender and pay these items ourselves due to the equity we have in our home per our loan terms. Balance in our escrow account to be refunded to us immediately. Again, back and forth with communication regarding this. I've called again this morning and once putting in my info to be transferred to a customer service rep my call gets re-routed through the automated answering service. Called back a second time and didn't put my info in and finally got someone. I explained why I was calling, once again on a recorded line per the representative. He stated he would put me on a brief hold to look into this. 38 minutes into my hold time, I was hung up on. I also spoke with our attorney this morning who is also having trouble reaching this company. Please help with this matter.
Consumer complaint received 2024-06-06
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (CA)

I initiated a transfer via XXXX XXXX for approximately {$12.00} XXXX ( less {$99.00} fee ) XXXX from XXXX XXXX to Coinbase on XX/XX/XXXX. 

No monies were received into my account despite XXXX stating the transaction was successful : XXXX USDT from your account to address : XXXX XXXX. 

That above address was provided by Coinbase. 

Transaction hash id : XXXX The transaction was successful, however upon talking to Coinbase XXXX, they tell me that I use the wrong network to transfer the money. I use the polygon network. Nowhere on their website does it say you can not use this! Now they are telling me that the funds are lost. I might be able to retrieve them for a fee, which I am refusing to pay. Multiple people on the Internet are complaining about the same thing. And Im not even sure if I go through the process if Ill get the money back and it is a lot of money. 

If Coinbase are going to stipulate that you can not use the polygon network to transfer XXXX from Coinbase to an address that they specify into your account at Coinbase, there should be an agreement between XXXX and Coinbase that you can not even select that network to transfer the money. This is an absolute scam and a lot of people are getting caught out. 

I would like my money returned to my account as soon as possible, please thank you.
Consumer complaint received 2023-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Bread Financial Holdings, Inc. (FL)

The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the XXXX financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Consumer complaint received 2019-08-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (NC)

In rebuilding my credit after having identity theft last year I was instructed to sign up for new credit card. I signed up for XXXX XXXX card in XXXX. The card showed up immediately on my XXXX, Experian and XXXX credit reports starting in XXXX. 

Since XXXX my XXXX  report has had no further payment updates. I have made all my payments in full each month since I received the card yet XXXX incorrectly shows I have a balance of {$990.00} which is last month total due which was paid on time. 

For Experian they show the same balance that has been unpaid. They show I have paid on time for XXXX and XXXX but they are missing XXXX. 

For XXXX  they show the same balance that has been unpaid. They show I paid on time for XXXX but XXXX and XXXX is missing. 

I called all three agencies and they told me XXXX XXXX has not been updating their data and I should contact them. 

I called XXXX XXXX and they said they have given all three agencies update data through the end of XXXX. They said I should speak with the agencies. 

I am at an impasse and as of this last weekend my XXXX score dropped by 30 points and my Experian call dropped 23 point as a result of this miss-information. 

As a result of this miss-information the FICO scores that I have worked so hard to rebuild have been seriously impacted.
Consumer complaint received 2018-07-07
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. (MI)

I have filed a police report on these accounts and they were deleted from my credit report then put back on a month later! XXXX XXXX was opened XX/XX/XXXX in Michigan. I dont even have a Michigan Identification or DL and I havent for years. This car was stolen and I was sent a letter that it was in impound and picked up by XXXX XXXX. The balance shows {$24000.00}. Please remove this from my credit reports ... all 3! Also, XXXX XXXX XXXX was opened XX/XX/XXXXand has a balance of {$1200.00}. I did not open that account. I only have one account with XXXX XXXX XXXX  to which Im just an AUthorized User. There are also several debt collection agencies from XXXX XXXX XXXX with balances of {$580.00} and {$530.00} from XX/XX/XXXX. Another from XXXX XXXX in the amounts of {$430.00} and {$290.00}. Also XXXX XXXX XXXX XXXX. My personal credit bureau information was stolen, addresses were changed, and my Michigan address is being used even though Im never in that state. Please help me get these inaccuracies off my credit. There are also 29 INQUIRIES that I did not authorize or do that were already removed and appeared to my credit again
Consumer complaint received 2020-11-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

There was a capital one credit card fraudulently opened in my name thats now reporting on my credit report. Ive never had a capital one credit card and Ive sent capital one my police report but they wont close the credit card account and take it off my name. The balance on the credit card is {$760.00} and its all fraud!!!!!!!!!!!!!!
Consumer complaint received 2021-06-14
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. (GA)

I've been disputing my credit file with Transunion, XXXX and XXXX to correct the errors found on my credit file that they disseminate. The 3 credit reporting agencies have received my certified letters and have not corrected the inaccurate accounts listed in this complaint. The inaccurate accounts has either not been investigated, no notice of dispute recorded, verified but still reports inaccurately, duplicate collection accounts, Re-Aged accounts, Delinquent student loan accounts that has a {$0.00} balance, Open accounts Payment data history does not coincide on any accounts, Revolving account creditor remarks reports amount in H/C column is credit limit. Revolving account high balance does not coincide. Last payment does not coincide, XXXX does not report my monthly payments made in the historical payment data history on any of my accounts. This type of recording is negative and damaging to my credit score and report and is in violation.
Consumer complaint received 2022-12-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I had over 60 inquiries that I had no knowledge of I didnt give anyone permission to run my credit. I also have addresses on my report that I never lived at. I have a police report that I uploaded. All three credit agencies I dont have any credit cards nor do I have any personal loans. I would like all these items removed
Consumer complaint received 2019-08-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (SC)

I bought a house in XXXX, Georgia in or around 2007. The mortgage was refinanced once, I believe, The current monthly payment due is {$340.00}. I have been making monthly payments of {$400.00} for several years now. I am well paid ahead ... 

My issue/concern is how these payments are being applied toward the interest and principal. The applications are erratic and I believe the amount applied to principal versus the amount applied to interest are greatly distorted. The amount applied to principal, I believe, is completely wrong. 

I have contacted the bank mortgage department twice within the last two months. The second time because they failed to respond to the first. Now, I am still waiting for a response to the second. 

The bank is Wells Fargo.