davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-30
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY (CA)

My Wells Fargo credit card was stolen and I got an unauthorized charge on XX/XX/year> for {$1300.00} at the XXXX store in XXXX XXXX. I filed a claim with Wells Fargo and the fraud team suggested me to file a police report so they can obtain the camera footage at the store. I did what they request and Wells Fargo rejected my claim stating that they received a confirmation text to authorize the charge on XX/XX/year> while I did not receive any text message nor email. I also did not confirm to authorize the transaction. I tried to find a different way to prove that I was not indeed authorize the charge and Wells Fargo keeps rejecting my case with the same letter indicating that I authorized the charge. I mentioned with Wells Fargo that they requested me to obtain the police report so they can obtain the camera footage but they told me they doesn't have the authority to do that. Wells Fargo suggested me to do it instead which was impossible because store doesn't release security footage for regular citizen. The request has to come from the credit card or police. Wells Fargo misguided me during the claim process by saying that if I reported the case to the police and obtain the case number, they can help me with the claim. It was totally false, they did not help me with the claim and keep sending me the same letter with the same information. Also during the fraud claim process, the interest keeps accumulated and they mentioned that it would be waived but I don't see Wells Fargo waive the interest charge along with late fees.
Consumer complaint received 2018-04-20
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. (IL)

Experian is reporting a XXXX, XXXX XXXX and XXXX accounts on my credit report that does not belong to me and is result of identity theft. I have attempted to dispute this account with Experian multiple times to no avail. I went to the police station and filed a police report and completed an identity theft report which is attached to this dispute. Please make the corrections immediately as it is affecting my ability to obtain employment ; I was recently denied a job due to these erroneous accounts. If this account is not removed immediately I will be left with no choice but to file a civil lawsuit pursuant to FCRA 616 and 617 for willful noncompliance and negligence. I will name Experian and anyone who touched this dispute, accepted this letter and made the decision to decline blocking the information as a defendant for violating my consumer rights. I will sue for punitive damages as well as legal and attorney fees as well.
Consumer complaint received 2020-12-15
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. (IL)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 



INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020
Consumer complaint received 2020-12-15
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Santander Consumer USA Holdings Inc. (FL)

He considered that Santander XXXX XXXX should remove this account from my credit bureaus, because my income DOES NOT qualify for such a high monthly payment and I consider a guarantee on this business, knowing that with such a low amount of income at any time there was very high probability of not being able to pay it. I urge you to review my account and to honestly consider the removal of it, also taking into account the amount of money that was paid and the conditions and value of the returned vehicle. Thank you for your attention, I would also appreciate your cooperation, it is affecting my credit advance. THANKS IN ADVANCE. XXXX XXXX XXXX XXXX.
Consumer complaint received 2021-09-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

Ive reported this issue with XXXX XXXX before regarding a goodwill adjustment but I see theyre reporting this entire account incorrectly, if Ive had 2 30 day late payments then why am I showing late in XXXX on one report & XXXX on the other one. If they cant figure out which month to report this then it needs to be completely erased off my credit report. I care very much about my credit but this is a clear violation of the FDCPA that XXXX has done
Consumer complaint received 2018-08-02
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. (TN)

I have autopay set up on my XXXX XXXX Lease account in the amount of {$400.00} per month. I Have most all of my bills set up on auto draft for ease of payment. I check my bank statements on my mobile app frequently, usually every day just to make sure everything looks good, balances, no fraudulent charges, etc. It was XXXX, 2018 that I realized that I don't remember seeing my XXXX XXXX autodraft lately, so I started looking a little more into and found that it hadn't been deducted for two months ( the only emails XXXX ever sent was saying my bill is available to view, which I don't find the need to login since it is on autodraft ). I immediately call XXXX XXXX  and asked what was going on, she said ( to the best of my recollection ) that they had switched payment systems or it went down, messed up, either way, my autodraft was turned off. So I immediately paid the balance, and asked about the late charge on the account in the amount of {$20.00}. She said that since it was a mistake on their part that she would waive the fee. I was also concerned with my credit and she reassured me that it would not be an issue and wouldn't be reported since it was due to their mistake. All is well with the world and I go on with my business. Then, this morning, XX/XX/2018, I check my bank accounts as I usually do in the morning and randomly check my FICO score as I do every few months out of curiosity to find out the my credit score had dropped about 140 points. So fearing fraud I immediately login into XXXX to find that the XXXX account was showing 30 days late on two consecutive months. Either way, I call XXXX XXXX to dispute the issue, the gentleman noted our conversation and referred me to report with the CRAs. I also asked him if he could see the notes the last time I had called in to find out about the lack of payments being withdrawn. He said he could she where she removed the late payment charge as a fault on their end ( not sure what else she noted ). I then call the consumerfinance.gov number,  the gentleman was helpful and referred me to this page to submit a request, walked me through what I should expect so here I am. I believe that is all the information and all I can remember at this time. I am sure I forgot something but attached you will find the XXXX XXXX statement showing where the late charge had been credited. Thank you
Consumer complaint received 2018-04-10
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Perfection Collection (TX)

On XX/XX/XXXX I sent a letter to third party collection agency Perfection Collection, XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT, XXXX  ( XXXX ) asking them to cease collection activity and to remove records from my credit report regarding account # XXXX  ( c/o XXXX  of which they purchased XX/XX/XXXX. ) I asked them to provide me evidence of my account and if they could not to delete all information furnished to any and every one of my reports because it is unverified information. Said company responded to my request by sending me a contract that list my name a customer ( co-borrower? ) but in fact does not have my signature on any of the spaces provided for customer signature, in fact the only person whose signature is recorded on the contract ( on two separate signature lines ) is XXXX XXXX  ( customer ) and the sales person ( XXXX XXXX. ) I feel this is not verification that I entered into a contract neither with XXXX  or Perfection Collection and because this is unverified by law they are required to remove this information from my credit report they have yet to do that, in fact they have added another collection to my reports (XX/XX/XXXX ) from the same company ( XXXX  ) for a larger amount.
Consumer complaint received 2022-06-13
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: Bread Financial Holdings, Inc. (MS)

On XX/XX/2020 we mailed XXXX XXXX a cancellation letter for the contract signed on XX/XX/2020. We were not able to certify the letter due to COVID lock- down. We even spoke to their representative - XXXX at ( XXXX ) XXXX to notify him of the cancellation. To this day, both XXXX XXXX and its representative deny receiving the notice of cancellation. The contract was process and Comenity Bank paid XXXX XXXX {$12000.00} dollars for the timeshare. Which now results in a credit card debt with Comenity Bank. We have attempted to resolve this by emailing XXXX XXXX and Comenity Bank both say we owe. We tried to give XXXX XXXX our paid in full timeshare through XXXX XXXX in XXXX, MO ( which XXXX XXXX now owns and we paid {$10000.00} ) and XXXX XXXX said they would not accept it to paid back Comenity Bank and close our accounts with them both. We have not paid anything towards this debt with Comenity Bank because XXXX XXXX fraudulently processed the contract after being notified of the cancellation. We have enlisted the help of the XXXX  Attorney General office and nothing has been done to resolve this issue. XXXX XXXX has received monies fraudulently on our behalf and refuses to correct the issue by simply canceling the contract and refund the funds back to Comenity Bank. We have not taken a vacation since this issue. This could have been a simple fix, but XXXX XXXX refuses to do the right thing. No monies have been paid on this debt with Comenity Bank. This debt continues to draw interest and have a negative effect on our credit. Please help us to resolve this issue with XXXX XXXX vacation and Comenity Bank.
Consumer complaint received 2021-11-22
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: EQUIFAX, INC. (NY)

Hey, Hope all is well. I was looking through my credit report and noticed some inquiries that were never AUTHORIZED. I never gave these companies my personal information or the authority to obtain my personal information on their own. They are in violation of FCRA XXXX XXXX XXXX Section XXXX. How did you get this information? I have tried contacting the credit bureaus and no one was able to help me, I was just being pass around to the department. Please investigate these bureaus and have them delete these fraud accounts from my report. Attached is my ID and my report I filed for identity theft because these accounts were not mine. Have them remove these. Thank you.
Consumer complaint received 2020-12-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: JPMORGAN CHASE & CO. (NY)

UPDATE : without any warning, Chase took away my rewards points ( XXXX ) which I fairly earned with legal purchases ( card XXXX ). I complained and their answer was rude, as always. Why Chase has become such a greedy and cruel company? 

BACKGROUND ( case still to be resolved ) : Please CFPB : stop closing this case based solely on Chase answers, as they only care for their own interest. Otherwise, what is the point to complain to CFPB? Ever since I found out Chase had canceled my XXXX card on XX/XX/2020, I have been trying to get a professional and fair answer from them. So far, that has been impossible. Chase keeps sending letters and lately emails asking me to call different people and extensions, which are always answer machines. Chase has also repeatedly ignored my request to have a XXXX speaker Executive to handle my case. Still, I have managed to follow their confusing instructions, under a lot of stress. So farm they keep rejecting my request to reopen this card, which I have always paid ( and keep paying ) on time for more than 10 years, with more than the minimal amount. How come they took such decision without considering my card XXXX history, and giving me the chance to defense myself? They also have called me a " delinquent '', because I took a " Consolidated Debt '' program for OTHER credit cards, which is a total legal procedure. Chase knows it very well. To summarize, they are damaging my credit and reputation, and have discriminated me. I am a well traveled and serious XXXX. I see DISCRIMINATION in this case. It is unacceptable that a main bank in USA year 2020 does not have XXXX speakers Executives for clients like me. Meanwhile, all the people with whom I have talked, have mispronounced my first and last names. They could not care less. I am spreading the word. Who is responsible for the time wasted, the stress and the humiliations? This is unacceptable, disrespectful and outrageous. Again, this is about card XXXX. And I wont stop my fight because I know my rights.
Consumer complaint received 2023-03-23
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (WI)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Wisconsin XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to you regarding my credit report, which contains several negative items that I would like to dispute. Specifically, I have identified several pieces of personal information and credit accounts that are either incorrect, questionable, or fraudulent. 

Firstly, I would like to address an inquiry made by XXXX on XX/XX/XXXX. I have no recollection of authorizing this inquiry and suspect it may be fraudulent. Therefore, I request that this inquiry be removed from my credit report immediately. 

Secondly, I have identified an account under XXXXXXXX XXXX  with the account number XXXX. I find the name and number of this account to be questionable, and I request that you either clarify this information to me or delete this account immediately from my credit report. 

Thirdly, there are several pieces of personal information on my credit report that are incorrect. These include the account name XXXX, XXXX, the account name XXXX, XXXX, and the account name XXXX, XXXX, XXXX. None of these names belong to me, and I request that they be deleted immediately from my report. 

In addition, there are two addresses listed on my credit report that are not correct. The first is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX, and the second is XXXX XXXX XXXX XXXX XXXX, WI XXXX. Neither of these addresses belong to me, and I request that they be deleted immediately from my report. 

Furthermore, there are two accounts listed under the names XXXX XXXX XXXX and XXXX XXXX XXXX XXXX, respectively. Neither of these accounts belong to me, and I request that they be deleted immediately from my report. 

Lastly, I would like to address two accounts under XXXX XXXXXXXX with account numbers XXXX and XXXX. For the account number XXXX, I request that you verify the payment status, balance, comments, payment history, and account number, as they may be incorrect. For the account number XXXX, I find the name and number of this account to be questionable, and I request that you either clarify this information to me or delete this account immediately from my credit report. 

I trust that you will investigate these matters thoroughly and take the necessary steps to remove any incorrect or fraudulent information from my credit report. Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-06-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I informed Bank of America that my wallet had been stolen and that I had unauthorized credit card charges on my secured credit card. They had taken the charges off but put them back on there. I have no problem paying my bill, but these are not my charges and I did not give my credit card to anyone. This is effecting my credit rating and I do not know what to do and need your help. I would like to pay my bill but I will not pay for charges that I did not do. Thanks in advance. 



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Consumer complaint received 2020-12-15
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Paramount Recovery Systems, L.P. (FL)

On XX/XX/XXXX I contacted Paramount Recovery Services Collection Agency in regards to a notice I received on my XXXX XXXX  of two negative accounts. I disputed them through XXXX and XXXX  without success. I called Paramount today and the associate was very rude and spoke very quickly the first time I called. I was not aware of these medical bills and have been disputing many of them from different collection agencies from XXXX and XXXX and most have been deleted as I had insurance during these years. The person I spoke to said the original creditor was XXXX XXXX XXXX but would not give me their number due to " HIPAA '' and would only give me the date of medical service. She said she would send a letter with their information but that it won't change the outcome of my dispute. I called again and another associate was able to give me the name of the hospital and exact date of service but not a phone number to the original creditor. She said I have to prove I paid the debt or that my insurance paid the debt ( well, duh, that didn't happen ). I called the hospital and they gave me date of service, total bill ( about 5000 dollars ) and what was performed. She also could not provide a number to XXXX XXXX XXXX yet they work directly with the hospital?? I asked why these two bills were not paid since I was told my XXXX XXXX XXXX paid hospital visit or ER visit in full which is the insurance I was on at the time? She said some doctors outsource and might not accept the insurance. I asked where does it state that when I go to the ER? She literally did not answer my question and just kept saying that most people appeal it through their insurance and win but with county insurance you can't appeal? I couldn't even get through to XXXX XXXX XXXX today. I am now aware that in XXXX a law was passed so that patients don't go through " surprise bills '' for this very reason. So because I can't get through to XXXX XXXX XXXX according to XXXX ( XXXX XXXX ) billing department I can't get information on the doctor that billed these amounts to me. I am now on permanent XXXX and I am tired of these medical bills showing up on my credit report that I don't remember receiving in the mail as I have moved five times since XXXX. But even if I did receive these bills, according to everyone I have spoke to their is nothing I can do except pay up. Please help me because this is wrong!!! Paramount Recovery has accepted this debt so they are responsible for making this right!!
Consumer complaint received 2021-06-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION (KY)

I received a XXXX loan for my business which was deposited into my checking account with Capital One Bank they froze my account saying that I am not entitled to my loan which was two deposits the first drawer was XXXX on XX/XX/XXXX the second drawer was deposited on XX/XX/XXXX for the amount of XXXX. They have since told me the funds are going to be sent back in which they have taken XXXX for a SBA grant received in XX/XX/XXXX and I have no idea where those funds went and they will not tell me. I know have XXXX in my bank account they are holding and drawing interest on. I reached out to the lender where the funds came from and they have advised me that they funds are mine and there is no way that the bank is going to return the money to them it is almost 2 months since that have frozen my account. I need what is rightfully mine the bank needs to be dealt with. 

Thanks, XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-12-14
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Santander Consumer USA Holdings Inc. (VA)

On today, XX/XX/XXXX, I, XXXX XXXX XXXX received a notice dated XX/XX/XXXX from Santander Consumer USA , Inc. The drafted correspondence is not a mutual agreement that XXXX XXXX XXXX and Santander USA have. The letter suggests that Santander Consumer USA , Inc. has the vehicle XXXX XXXX XXXX reported as lost or stolen in their possession. Given that the events that caused XXXX XXXX XXXX to report the vehicle ( XXXX XXXX XXXX XXXX ) as lost or stolen occurred on XX/XX/XXXX and this correspondence is drafted as XX/XX/XXXX, it can be ascertained that by the many miles away Texas is from Virginia that Santander does not have this vehicle in their possession as suggested. 

This correspondence further goes on to say that Santander Consumer USA may take action against me if they do not get the money they are requesting from a sale. All statements in this Santander Consumer USA XX/XX/XXXX correspondence violates any and all agreements XXXX XXXX XXXX has with XXXX XXXX, XXXX XXXX XXXX, and XXXX ( Power of Attorney ). Therefore, XXXX XXXX XXXX is prohibiting XXXX XXXX XXXX or any other affiliates from aiding Santander or their affiliates whom they are indicating that they may have to pay by providing a key, tag ( s ), title, or otherwise because it violates the agreement ( s ) XXXX XXXX XXXX has with XXXX XXXX.