davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (MI)

ON FRIDAY XX/XX/XXXX, I RECEIVED A FRAUD EMAIL ALERT FROM CHASE BANK REGARDING A SUSPICIOUS ATTEMPT TO CHARGE TO MY BANK ACCOUNT, I SELECTED THE OPTION THAT I DID NOT RECOGNIZE THAT CHARGE, I THEN PROCEEDED TO LOG IN MY BANKING APP AND NOTICED THAT MY ACCOUNT WAS CHARGED {$1500.00}, I WENT TO CHECK MY WALLET AND NOTICED MY BUSINESS DEBIT CARD WAS ALSO MISSING, I CALLED CHASE BANK IMMEDIATELY AND EXPLAINED THE SITUATION, AND TOLD THEM THE CARD MAY HAVE BEEN USED IN STORE AS IT IS A BUSINESS DEBIT CARD AND THE PIN IS WROTE ON THE BACK DUE TO MULTIPLE EMPLOYEES USING THE CARD AND SHOULD THEY NEED THE PIN IT WOULD BE ON THE BACK OF THE CARD, CHASE CANCELLED THE CARD AND I WAS TOLD THAT I WOULD RECEIVE A TEMPORARY CREDIT WITHIN XXXX BUSINESS DAY, IT IS NOW THURSDAY XX/XX/XXXX OF THE FOLLOWING WEEK AND I STILL HAVE NOT RECEIVED ANY CREDIT NOR HEARD ANYTHING FROM CHASE AND EVERY-TIME I CALL I GET A DIFFERENT ANSWER AS TO WHY I HAVE NOT RECEIVED A TEMPORARY CREDIT. I AM AT A STAND STILL BECAUSE I DONT HAVE A PHYSICAL CARD, AND BECAUSE CHASE IS REFUSING TO TEMPORARILY CREDIT THE ACCOUNT SO I CAN TRANSFER FUND TO ANOTHER ACCOUNT TO CONTINUE MAKONG MY DAILY PURCHASES NEEDE FOR THOS BUSINESS, IT HAS BEEN VERY FRUSTRATING AND VERY UNPROFESSIONAL ON HOW THEY TREAT THEIR CUSTOMERS WHO ARE VICTIMS OF THEFT. AS IF WE ARE CRIMINALS
Consumer complaint received 2022-09-02
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. (CA)

In According with The Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have 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 written instructions
Consumer complaint received 2022-05-02
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC. (OH)

XXXX calls in the last 60 days from a variety of numbers. From this number - ( XXXX ) XXXX XXXX ( last 60 days ) - from this one ( XXXX ) XXXX XXXX from this ( XXXX ) XXXX XXXX ( XXXX ) XXXX XXXX in last 60 days - ( XXXX ) XXXX XXXX ( XXXX ) XXXX XXXX ( XXXX ) XXXX
Consumer complaint received 2020-11-06
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Exeter Finance, LLC. (FL)

I XXXX XXXX have tried for over two years to have a credit tradeline removed from all of my respective credit bureaus. Exeter Finance has maintained a car loan on my three credit reports, even though the register my address in the state of Arizona, a state where I never resided. I even had a conference call with Exeter Finance with m y lawyer a year ago, and they claim that they have no knowledge how the account could be posted on my credit bureaus, even though the note was assigned to a person in Arizona. The current balance shows {$15000.00} with the last payment made XX/XX/2018. I need this account removed permanently and my name and social security number purged from the computer archives that reports to al credit bureaus immediately. 
XXXX XXXX
Consumer complaint received 2017-07-02
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: WELLS FARGO & COMPANY (MS)

I have a credit account with XXXX. In XXXX of 2016 I missed a payment by mistake. The card was a new one and I do not recall receiving a statement. I received and email stating it was past due. I paid the account at that time. I have no other late payments with them or any of my other cards. I submitted the documents and the letter that I am enclosing to them with no response. I waited until XX/XX/XXXX and decided to give them a call to plead with them to remove this 39 day late from my credit report. I am also enclosing the letter they finally sent me in regard to this. I have no other bad marks or late payments with them and I just feel they are being unreasonable and unfair. I would appreciate anything you might could do to help me with this. <P/>Thank you
Consumer complaint received 2022-09-02
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA (WA)

I have my Goldmans Sacks Bank USA, website by marcus.com, online saving acct. opened for many years, no issues before. They don't have local branch office here near me. 
But, back in earlier this XXXX, I found other banks have higher saving rate. So I wanted to transfer my money to the other online banks. I was able to login my GS bank online account ok with my correct login credentials. However, after I login, when I tried to do online money transfer to the other bank, keep getting the error message 'There is a technical error. Can't complete your transaction. Login back later. ' For 2 weeks, I kept logging in back for several times to access my online acct. correctly. But, keep getting the same error message to transfer out my money. I finally called their customer support and told them this online transfer issue. At the beginning they verified my acct. infor. But once they heard I wanted to transfer my money out. They made excuse to ask me additional my family infor. I told them they already verified my acct infor. Any additional family infor. is my privacy. They have no right to ask these. And suggest them if they want to ask additional questions, they can ask standard security questions like all other online banks use. I have no issue with all other online banks. But, they refused to do so. My transaction was still on hold even after calling them. I then sent them a letter by post office in later XXXX or earlier XXXX with my signature and correct address to request to close my this online acct. and send me a bank check of the remaining balance. I haven't heard back since then.
Consumer complaint received 2019-02-04
Product: Debt collection — I do not know
Issue: Communication tactics — Called before 8am or after 9pm
Company: Nationwide Recovery Systems, Ltd (NV)

At XXXX XXXX!!!!!!!! Nationwide Recovery services called. When I complained that it was XXXX the lady tried to argue with me telling me it was XXXX. I explained I live in XXXX XXXX, that is a XXXX XXXX number she continued to argue. I asked for a supervisor. 
When I asked for the supervisor XXXX said they never even called me. He was rude argumentative and tried to even say they never had record of my phone number.
Consumer complaint received 2018-04-23
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. (NY)

My identity was stolen and someone use my information to opened number of account 's in my name it's causing me too much stress with my wife XXXX, XXXX. 
Account Number XXXX Account Type Collection Terms 1 Month Date Opened XX/XX/XXXX Account Status Closed Payment Status Late Payment Status Details Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Status Updated XX/XX/XXXX Balance {$1500.00} Balance Updated - Credit Limit - Past Due Amount {$1500.00} High Balance - Monthly Payment - Balloon Payment - Contact Phone ( XXXX ) XXXX Contact Address XXXX XXXX XXXXXXXX, XXXX, IL XXXX Ownership Individual Original Creditor XXXX XXXX XXXX Company Sold-to - Original Amount {$1500.00} Comments - DISPUTE GUIDEPRINT XXXX XXXX XXXX Account Number XXXX Account Type Collection Terms 1 Month Date Opened XX/XX/XXXX Account Status Closed Payment Status Late Payment Status Details Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Status Updated XX/XX/XXXX Balance {$180.00} Balance Updated - Credit Limit - Past Due Amount {$180.00} High Balance - Monthly Payment - Balloon Payment - Contact Phone ( XXXX ) XXXX Contact Address XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX Ownership Individual Original Creditor XXXX XXXX Company Sold-to - Original Amount {$180.00} XXXX XXXX Account Number XXXX Account Type Collection Terms 1 Month Date Opened XX/XX/XXXX Account Status Closed Payment Status Late Payment Status Details Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Status Updated XX/XX/XXXX Balance {$900.00} Balance Updated - Credit Limit - Past Due Amount {$900.00} High Balance - Monthly Payment - Balloon Payment - Contact Phone ( XXXX ) XXXX Contact Address XXXX XXXX XXXX XXXX, XXXX, FL XXXX Ownership Individual Original Creditor XXXX Company Sold-to - Original Amount {$900.00} Comments -
Consumer complaint received 2022-09-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ONLINE Information Services, Inc. (TX)

On XX/XX/2022, I was notified by my Experion Credit app that I have a collection on my near perfect credit from an energy company, XXXX XXXX, ( which I DID NOT authorize or apply for, in a city I do not live in ), in the amount of {$2900.00}. The account was apparently opened on XX/XX/2022 and was reported to my credit as being deliquent and in collection in XX/XX/2022. On XX/XX/2022 I called XXXX to report identity theft and fraud with this collection debt. XXXX told me that I needed to file an Identity Theft Report with the FTC and my local police department then upload the document to XXXX 's docucenter for their files. I also called the collection agency known as Online Information Services to notify them of this fraudulence and identity theft. They provided me the original account information as well as the address to where the XXXX XXXX was providing service. Online Information Services, the debt collector, also told me I will need to fax XXXX XXXX the Identity Theft Report and they provided the fax number.
Consumer complaint received 2019-09-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (IN)

XXXX refuse to remove two accounts from my credit report that has been filed and discharged in a bankruptcy as of XX/XX/2019. Both accounts XXXX XXXX and Capital one are closed accounts while discharged in the bankruptcy the two accounts should not still be showing on my credit. These accounts are negatively affecting my credit score. XXXX   dispute result stated that I filed for a dispute in XXXX for the two accounts, but the bankruptcy had not been discharged yet. Now, XXXX  refuses to let me dispute these two accounts again. XXXX XXXX XXXX and Capital One are included in the public record located on my credit report.
Consumer complaint received 2017-07-02
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: CITIZENS FINANCIAL GROUP, INC. (IL)

In XX/XX/XXXX, my XXXX years old son was injured. Settlement was reached with insurance company, and I was assigned a manager of my son 's estate until his emancipation in XX/XX/XXXX. I have chosen to open a Call CD ( joint, under both my son 's and my name ) with then Charter One Bank in IL. It was a 60-month Call CD. It matured twice, in XX/XX/XXXX, and XX/XX/XXXX. In XX/XX/XXXX I changed the length to 20 month, to gain better return. This CD would mature a few times, with closest to my son 's emancipation on XX/XX/XXXX. Initial CD agreement required me to have a clause stating that the funds would not be available for withdrawal unless a court order allowed, OR NO FURTHER COURT ORDER WOULD BE NEEDED once my son would emancipate ( in XX/XX/XXXX ). In XX/XX/XXXX, Charter One Bank completely moved out of IL, and this CD. Closest branch would be in XXXX, OH. In XX/XX/XXXX Charter One Bank became Citizens Bank. In XX/XX/XXXX, I have received a typical notification that the CD would mature on XX/XX/XXXX. I called the bank 's toll-free number in attempt to close the CD and move the funds into a checking account. This way, my son would have a nice present at his disposal for his XXXX Birthday. What I learned during the call was that the CD was " frozen '', and required a court order to unfreeze the funds. I knew this was not the case, and asked to find out why and when the change happened. In the meantime, the CD rolled to another term, with only 0.03 % APY ( due to us being out-of-area ). What I was told later, the type of CD with Citizens Bank was " Guardian '' and did require a court order to release the money. I know this was not supposed to happen since I was the one opening the initial Call CD with Charter One, and it was not a " Guardian '' account. Citizens Bank over the phone advised me to visit a branch, explain the situation, and a branch manager would be able to override the freeze. I did visit a branch ( made a detour while on a road trip ), but was told " the account is frozen, and a court order was needed ). I am upset that the whatever change happened to the account prevented me surprising my son with some money on his XXXX birthday. I am upset having spent at least two work weeks time trying to resolve the issue. I am upset the money was taken out of state, thus making it difficult resolving issues remotely ( again, closest branch is XXXX-XXXX miles away ). I am upset the money is held with almost no return, and with no reason at all, without even letting me to reinvest with them on better terms. I am upset the Bank have not held to the terms of original contract we both signed at the time of initial account opening in XX/XX/XXXX. I am upset for my now adult son for not being able to use his money for his needs.
Consumer complaint received 2018-04-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I am a XXXX XXXX XXXX XXXX  veteran living on a fixed income, i am also in the process of attending college to complete my XXXX degree. All three credit reporting companies report different AMOUNTS different OPEN DATE incomplete account number and ORIGINAL CREDITOR XXXX XXXX XXXX   XXXX XXXX, I bank with XXXX and XXXX XXXX XXXX PRIOR TO XXXX. I have never had an account with XXXX XXXX XXXX. I contacted Capital One and they have confirmed that I XXXX XXXX XXXX have never had an account with them and Capital One does not know why XXXX XXXX XXXX XXXX IS REPORTING TO THE CREDIT REPORTING AGENCY. i HAVE CONTACTED XXXX XXXX AND THEY HAVE NO INFORMATION, ONLY ASK ME TO PAY. WHEN I ASK FOR PROOF THAT THIS IS MY ACCOUNT XXXX XXXXXXXX XXXX DISCONNECT THE CALL. i HAVE WRITTEN LETTERS AND HAVE NEVER RECEIVED A REPLY. MY CREDIT REPORT SPEAKS FOR IT SELF I DO NOT USE CREDIT, I HAVE A XXXX  CREDIT CARD WITH XXXX {$1000.00} LIMIT AND ITS ALWAYS PAID I DO NOT AND HAVE NOT HAD ANY OTHER CREDIT CARDS OR ACCOUNTS WITH ANY OTHER LENDING INSTITUTION OVER THE COURSE OF THE PAST 7 YEARS EXCEPT FOR XXXX. I REQUEST PROOF THAT THIS AMOUNT OWED IS MINE THERE MUST BE SOMETHING WITH MY SIGNATURE ON IT. TO OPEN AN ACCOUNT ONE MUST SHOW IDENTIFICATION ANY PROOF THAT THIS IS MINE. I AM A XXXX XXXX VETERAN LIVING ON A FIXED INCOME, I AM VERY TIGHT WITH MY MONEY I WOULD NEVER HAVE ANY ACCOUNT WITH ANY OTHER LENDING INSTITUTION BECAUSE XXXX TAKES CARE OF ALL MY BANKING AND CREDIT NEEDS. HOW CAN THIS BE. NO PROOF AND DIFFERENT INFORMATION REPORTED TO ALL THREE CREDIT REPORTING AGENCIES.
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-03-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX  XXXX XXXX Balance {$530.00} DEPT OF EDUCATION/XXXX  XXXX Balance {$8700.00} DEPT OF EDUCATION/XXXX  XXXX Balance {$3700.00} XXXX XXXX XXXX XXXX Balance {$150.00} XXXX  XXXX XXXX  Balance : {$500.00} XXXX  XXXX XXXX  Balance {$530.00} XXXX  XXXX  XXXX  Balance {$150.00}
Consumer complaint received 2019-02-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (PA)

All transactions with Citibank, same credit card. 
In Spring XXXX, I did a 0 % interest balance transfer ( Offer 4 ) expiring XX/XX/XXXX for approximately {$4800.00}. 
In XX/XX/XXXX, I did a 1.9 % interest balance transfer ( Offer 7 )  expiring XX/XX/XXXX for approximately {$2500.00}. 
In order to satisfy the payoff of the XX/XX/XXXX offer, I sent payment in full which was received by Citibank XX/XX/XXXX. 
However, the payment was applied to Offer 7 because payments above minimum are applied to the highest interest rate balances. This only applies to standard purchases as shown in the balance transfer agreement and as was confirmed by the agent I spoke with at Citibank. Excess payments are ( supposed to be ) applied to balance transfers by payoff date. 
Despite this, Citibank refuses to adjust how the payment is applied. 

Making matters worse, if the payment arrived ( late ) on XX/XX/XXXX ( instead of XX/XX/XXXX ), the balance transfer would have been transferred on XXXX by Citibank to Standard Purchases with a much higher associated rate, and my payment would have been then applied properly. In short, by paying my bills ON TIME, I am being penalized!

As a 25+ year customer of Citibank , Im baffled by their complete refusal to make this right, and more frustrated by the call centers hard stop on customer service. Theres ALWAYS someone above you who can review a decision, and its terrible service to refuse to connect a customer with that person. 

The damage to me is loss of use of the XXXX balance transfer with related fees that have already been paid. Additionally, I now am being charged interest on Offer 4, albeit only a few days.
Consumer complaint received 2023-01-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (NC)

When I initially called Wells Fargo after my purse was stolen on XX/XX/XXXX XXXX, reporting fraud and identity theft, no claim was submitted. I asked the Wells Fargo rep what I should do if my purse was stolen XXXX  license and bank card. They said freeze account, so I did. When checks were cashed fraudulently, the next day I called again and was given claim # and I filed a customer complaint, as the rep I talked to did not do anything to protect my account and they mislead me. They admitted the error and that my account should have been closed. nothing has happened with my claim last Wednesday and the next rep had no record of fraud or a closed account. I filed a new claim has begun Sat the XXXX, after initially reporting claim on the XXXX collections has gotten back to me, but the fraud claims has failed to do so. I have a hard copy of the check submitted and returned fraudulently, persons name is easy to XXXX  and find that they are deceased. A teller called me reporting suspicious activity as this person drove through teller wearing a wig trying to cash a check on my account. Had my account been closed properly or even frozen the checks wouldnt have been put through by this criminal
Consumer complaint received 2022-09-02
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ARS National Services, Inc. (CA)

I am receiving information regarding a debt but the collection agency does not provide the information to verify this debt. They are sending information for a limited amount of time but they state that this credit card was opened in 2015 but they keep sending me information and records for years but no information for 2015. I was sent information listings that includes other customers name and their personal information including my personal information. I requested information regarding the credit approval in 2015 3 times to no avail. I am really concerned about the information being sent to me regarding this debt.
Consumer complaint received 2018-04-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

XX/XX/2018, I requested all 3 major credit bureaus review and remove XXXXXXXX XXXX XXXX account of my credit report, because of the inaccuracy reported. I came to a settlement agreement with XXXX XXXX 's collection agency. The account being disputed was charged off. I asked for validation of the debt but only received statement with a balance on it. No signed validation, no purchases just a statement of alleged debt. The credit line was XXXX dollars but the debt was more than XXXX dollars. I was contacted by the debt collector and negotiated a settlement for deletion. I Paid over XXXX dollars and the debt collector is no longer honoring our agreement and wants the full alleged amount without proper validation. XXXX solution for my dispute was lower the alleged charge off owed from XXXX to XXXX dollars. Which is still inaccurate as the alleged charge off was XXXX as reported on the other credit bureau ( Transunion and XXXX  ). The data across the other credit bureau are not consistent as required by the Fair Credit Reporting Act. Also the first date of delinquency is not consistent on all the bureau. XXXX completed investigation is not proper just lowering the charge off amount without proof is not a solution but a quick answer to a company taking advantage of a consumer and her rights. You can not just update an original charge off amount without proper validation. Even if the updated charge off was accurate the balance would be wrong as I made more than XXXX dollars in paymen in the last 60 days as reported by your agencies and the balance should be lowered and settled.