davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-01-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: U.S. BANCORP (CA)

US BANK Credit Card No : XXXX US Bank Credit Card No : XXXX Cash Rewards Visa Card I have above cards with US Bank for last 10 years and I have been paying these cards regularly except times when I had some type of incidences on file. In past I had big fraud on my debit card and it led into many online transactions running over for months on my card in XXXX when I visited XXXX. Last year in XXXX I had frauds on my credit cards. Now seems like this is third time I have my cards misused however, this time I have lost my valet and seems like identity theft. 

I have one debit card and two credit cards with US Bank. Since last fraud on my credit cards early last year in XXXX, I have completely stopped using US Bank credit or debit cards. I have moved my banking to other banks and use them for primary salary deposit and all payments. The only reason US Bank cards were kept open were to keep my oldest credit history as these are my oldest cards and accounts in US. 

As I do not use these US Bank cards I just keep them in my secondary valet where I have other benefit cards like XXXX, XXXX  XXXX  and other merchant cards, etc. During one of travel last year I have lost of one bag and I didnt realize what items were lost in the bag. What I know that my valet is missing that had all my other cards and there is identity theft. In last few months, I had 3-4 times by XXXX  XXXX  XXXX debit card and credit cards were replaced for some suspicious activity though I have not reported fraud! 

To my surprise I have recently noticed payment request on US Bank cards in XXXX ( I generally dont check this ac at all as I dont use any of them ). Though not clear about request, I did paid minimum payment requested to avoid late payment and late reportings to bureaus. After this I made it a point to review my all US bank accounts in detail as soon as I get back to work after holidays. During my review I realized that there were some transactions on my both cards. I have immediately advised fraud department of US Bank to close all the cards including my debit card. My both credit cards looks compromised, debit card is not used as I dont keep any balance in this account and they may not have succeeded. But I have lost this card as well. 

While reporting fraud I told representative not to report late payment to credit bureau and he explained that it was already reported. He provided me these contact details to write letter to get credit bureau reportings reversed.
Consumer complaint received 2018-03-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I just turned XXXX in on XX/XX/XXXX. I wanted to start building credit and i noticed that I have a collection account on my credit report being reported by XXXX. I never had any accounts to have a collection I was a minor! 

This account does not belong to me, I have no knowledge of this account Also there is incorrect DOB and address being reported for me My address IS and ALWAYS been is XXXX XXXX XXXX XXXX, PA XXXX my address has never been different. 

my DOB is XX/XX/XXXX i just turned XXXX 3 months ago
Consumer complaint received 2018-04-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

They said that I have a penalty APR but I am not sure why they did this. I called to lower my APR but they said that I could not lower my APR. I called multiple times but they said that it could not lower from 32 % APR interest rate starting in XX/XX/XXXX. I would love to pay this card off but the interest rate is extremely high.
Consumer complaint received 2018-02-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (NY)

During XX/XX/XXXX-XX/XX/XXXX, my Chase Debit Card ( both Checking and Saving accounts ) were charged for several unauthorized transactions to various accounts and was total around {$35000.00}. After contacted the bank, the bank has closed the account and put into investigation. The amount was reversed to my card now, but I would like to further investigate what happened to my account.
Consumer complaint received 2021-01-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Javitch, Block & Rathbone LLC (OH)

A debt collector called XXXX XXXX XXXX XXXX is garnishing my employment wages for {$16000.00} for a debt that is definitely not mine. The judgement is dated XX/XX/2010. Case XXXX. Please help this is not my debt! I have been monitoring my credit for many years and this is not even listed there. I am filing for a hearing with the Municipal Court to have this removed.
Consumer complaint received 2018-02-07
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: SUNTRUST BANKS, INC. (MD)

With my the bank SunTrust I have a commercial loan that I called to try to set a bi weekly payment instead of monthly They sent me to five different departments through the phone Final I was sent to a woman named XXXX from Suntrust CDA Recovery number XXXX And she pretty much started asking me questions after questions would keep me on hold on amd off for twenty minutes By the end she didnt find my information Short of the story I asked for a supervisor Kept me holding for several minutes again Nothing was accomplished I be paid my loans in time All I wanted to do was to set up a bi weekly payment and they put me on a hamster wheel In all truth it was a disaster I am filing a complaint with her ( she didnt gage me her last name ) And filing a complaint with Sunteust that hire incompetent people to help their costumers Short of the story I havent been able to change anything or even having someone explain to me the terms of my commercial loans This cant happen was a disaster Thank you XXXX XXXX
Consumer complaint received 2020-01-24
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (OR)

The inability to reach anyone at Wells Fargo or XXXX XXXX XXXX makes it impossible to resolve anything so i can work out a refinancing and avoid foreclosure/default. My husband passed away XX/XX/XXXX. We had home mortgage with Wells Fargo with remaining balance about {$49000.00}. 

i contacted Wels Fargo late XX/XX/XXXX notifying them of my husbands passing. I spoke with XXXX XXXX : Wels Fargo home loan specialist informing the bank of my interest in keeping the home and making arrangements to continue making payments on the promissory note for the mortgage on the house. Mr. XXXX stated, I will let the bank know of this and you will hear from our life advance team. 

In late XX/XX/XXXX I heard from the life advance team : XXXX XXXX by telephone. I expressed to Ms. XXXX I want to keep the house and continue making payments and what do I need to continue making payments. Her response was for me to wait for a letter from Ms. XXXX which will have further instructions how to proceed. 

I never received the letter from this individual. I contacted Ms. XXXX at ( XXXX ) XXXX ext. XXXX Case # : XXXX Loan # : XXXX multiple times and only received her voicemail. In XX/XX/XXXX, I spoke with Ms. XXXX assistant who restated I will receive the letter from Wells Fargo. I stated to the assistant, I never received the letter and when did Wells Fargo mail the letter and when will they resend the letter? The assistant stated, wait for the letter it will have instructions how to proceed. 

In XX/XX/XXXX, I dropped off the death certificate to Wells Fargo and inquired how am I to proceed making payments. The XXXX   branch told me to wait for a letter from Wells Fargo. I never received the letter and I informed the branch Wells Fargo keeps telling me this, but they never act in good faith. 

I never received the letter from Wells Fargo and never heard again from Ms. XXXX. On XX/XX/XXXX ive visited Wells Fargo and was informed Wells Fargo sold the loan in XX/XX/XXXX to specialized loan services. I never received any notice from Wells Fargo or from specialized loan services of this action. Wells Fargo gave me the number where to contact specialized loan services. I reached out to specialized loan services and they kept telling me to call three or four different numbers. I kept calling telephone number after telephone number with no results. I also sent a letter to an attorney in XX/XX/XXXX and never received a response from them. I have no idea who these are tourneys are representing other than they are located in XXXX Washington. 

I want to stay in my home. As a person with a XXXX, it is my only dwelling and I can not get Wells Fargo or this specialized loan services to communicate with me. As a consumer with a XXXX, these loan institutions are not acting in good faith and I am seeking your assistance to refinance to stay in the home.
Consumer complaint received 2018-02-08
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Midwest Recovery Systems (FL)

ON XX/XX/XXXX I RECEIVED AN ALERT FROM XXXX XXXX STATING THAT I HAD A $XXXX  BALANCE ADDED TO MY CREDIT REPORT FROM A XXXX XXXX XXXX BYWAY OF MIDWEST RECOVERY SERVICES XXXX. I CALLED IN XX/XX/XXXX TO GET MORE INFORMATION ABOUT THIS DEBT THE GENTLEMAN I SPOKE WITH ASKED ME A FEW QUESTIONS THAT I COULD NOT ANSWER ABOUT THE PLACE THAT I HAVE NO KNOWLEDGE OF. I ASKED HIM TO SEND ME THE INFORMATION ABOUT THE DEBT THAT WAS TURNED OVER TO THEM AND THAT WHOEVER THE ORIGINAL DEBTOR WAS, NEEDED TO SEND ME INFORMATION ABOUT THIS DEBT.  SINCE THIS IS MY FIRST KNOWLEDGE OF THIS.I GAVE HIM MY MAILING ADDRESS OF XXXX XXXX XXXX XXXX XXXX FL XXXX.  THE GENTLEMAN SAID THAT HE WILL BE SENDING VERIFICATION TO MY MAILING ADDRESS AND TO HAVE A GREAT DAY. IT HAS BEEN 3 FULL MONTHS AND I HAVE NOT RECEIVED ANYTHING FROM THE ORIGINAL DEBTOR NOR CREDIT BUREAU ABOUT ANY INFORMATION ABOUT SO CALLED DEBT. THIS NEEDS TO BE REMOVED FROM MY CREDIT REPORT ASAP. THIS IS NOT FAIR THAT ANY COMPANY CAN JUST PUT ANYTHING TO YOUR REPORT WITHOUT EVEN KNOWING IF THIS IS YOU OR NOT. I HAVE NOT RECEIVED NOT EVEN ONE CORRESPONDENCE FROM THIS COMPANY NOR THIS CREDIT BUREAU. $XXXX FROM MIDWEST RECOVERY SYSTEMS LLC NEEDS TO BE REMOVED FROM MY CRESDIT REPORT WITHIN 30 DAYS AS OF XX/XX/XXXX.
Consumer complaint received 2022-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IN)

I checked my credit report and I am upset on what I found out. There is late payment remarked on it but I did not incur any late payments. Thoroughly investigate it and make a necessary action. Here are the details of the late payment accounts, company name, balance & date last reported : XXXX / {$5400.00} / XX/XX/2022
Consumer complaint received 2022-04-29
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (IN)

On XX/XX/2022 I reopened a PayPal Account. I provided my banking information ( with routing number ), and two debit cards. 
I was notified 2 days later that my account can not be opened, used. 
I then attempted through Verbal alteration with a Customer Service agent to have my banking information and credit cards removed and ALL MY INFORMATION DELETED. 

PayPal refuses to do this.
Consumer complaint received 2022-04-29
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. (TX)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX  # XXXX & XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the 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 my written instructions
Consumer complaint received 2022-01-11
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: JPMORGAN CHASE & CO. (MA)

I have a Chase Freedom Flex credit card. Chase advertised on the application page and benefits guide that the card has Cell Phone Protection, which is an insurance that covers " up to {$800.00} per claim and {$1000.00} per year in cell phone protection against covered theft or damage. '' Recently, my phone was damaged, and I had it repaired for {$290.00}, knowing that it is covered by the insurance as I checked the benefit guide online in advance. However, when I tried to file a claim, I was told that the cell phone protection benefit had been discontinued. I contacted Chase, but after several rounds of phone calls with the Customer Services and Benefit Administrator, the issue could not be resolved.
Consumer complaint received 2022-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have been trying to get my accurate credit score and report for several weeks. I have spoken to at least 4 different representatives who each time allege that they will be solving the problem however the problem still exists. I have no idea what my accurate credit score is because they can not refresh my credit report. This has interrupted several financial transactions i am trying to complete. Please help me with this issue.
Consumer complaint received 2021-05-06
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. (NC)

I have received a copy of my credit report and it shows company XXXX account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$110.00}. I have tried many times to get this verified with no such luck. Please review for deletion.
Consumer complaint received 2024-02-07
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC. (WA)

I fell and broke my XXXX before XXXX 2023. Emergency surgery and skilled nursing care followed for 7 weeks. My sons have stepped in to help me manage my affairs- both have POA. I did not remember my password for online access to Ally Financial and tried to many times before the account was locked. over the past 3+ weeks I have repeatedly contacted Ally Customer Service/Fraud protection to regain access to my account. I am now in an assisted living center and need access to my funds to meet my financial commitments until my house is sold. Yesterday I tried once again to validate my account and my identity so that I can make deposits and transfers to meet upcoming expenses. 

I have repeatedly been promised that someone from Ally would contact me to get me back online. Ally have been functionally unresponsive. I received an email stating my account had been verified and was available for use, followed a few minutes later by an email stating my account was under review and not accessible. Yesterday the fraud prevention department notified me that they are reviewing whether they want to continue a banking relationship with me. Well, they need not bother - I no longer want a banking relationship with Ally. Help me gain access to MY money that I need for daily living. Thank you.
Consumer complaint received 2018-02-07
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. (CA)

I am currently refinancing my VA home loan. On XX/XX/XXXX, I received my credit score from Equifax ( whom I subscribe monthly to ). They stated my score was XXXX. ( see attachment 1 ) On XX/XX/XXXX, the XXXX XXXX ran a credit score and Equifax reported a score of XXXX. ( see attachment 2 ) As I do not subscribe to the other credit bureaus, I can not state if they reported different scores.The difference in scores raises my closing costs by more than {$1000.00} per the lender. 
In addition, in XX/XX/XXXX I bought a motorcycle, in XX/XX/XXXX I bought a house and XX/XX/XXXX I bought the house I am refinancing. On all of the purchases, the scores reported were different also. At that time, I called Equifax and tried to resolve the problem. They argued with me and told me there nothing they could do as the info was reported based on their computer program. I did not file a claim with you because I as was told you already had a law suit against them. 

When I noticed the same problem this time, I contacted your office again and was told the suit was settled. Please see your ARTICLE 1422 CFPB ORDERS XXXX  AND EQUIFAX TO PAY FOR DECEIVING CONSUMERS IN MARKETING CREDIT SCORES AND CREDIT PRODUCTS. 

Thank you for your help.
Consumer complaint received 2018-02-08
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. (CA)

I am complaining about inaccurate information reporting on XXXX and Equifax.THE ACCOUNT XXXX XXXX XXXX,acct no. XXXX.... has been disputed many times with both bureaus,the information updates yet is completely in error.Attached here is proof of the errors.Both the equifax and XXXX reports updated within the last two weeks are completely incongruous with each other.XXXX HAS CHOSEN TO DELETE THIS ACCOUNT TO MY SATISFACTION.XXXX shows a paid charge-off with only about 1300 dollars paid in XX/XX/XXXX.the auction value of the repossessed car was far in excess of that amount.EQUIFAX reports that the loan is a charge-off in XX/XX/XXXX when it was paid in XX/XX/XXXX.equifax shows a XXXX pymt in XX/XX/XXXX and a last pymt in XX/XX/XXXX.NEITHER OF THESE BUREAUS HAVE CORRECT FACTUAL INFORMATIONAND THEY MERELY PRINT AND PUBLISH THE INCOMPETENT REPORTER.it is obvious which XXXX discovered that this creditor can not accomplish accurate reporting on this account and must be deleted immediately
Consumer complaint received 2018-02-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: FIDELITY CAPITAL HOLDINGS, INC (TX)

XXXX XXXX sold my debt I owed them to XXXX XXXX XXXX XXXX XXXX is still showing a debt owed to them as well as XXXX XXXX XXXX  showing a debt. Both are reporting on my credit report. So now if/when I apply for any type of loan or credit it looks as if I owe 2 different companies an unpaid debt, when in actuality its only XXXX XXXX XXXX that I owe the debt to since XXXX XXXX no longer owns this debt.
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (TX)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts :
Consumer complaint received 2021-05-06
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: Google Compare Credit Cards Inc. (OR)

A person paid me XXXX from her bank account via the Google Pay app on XX/XX/XXXX, and on XX/XX/XXXX her bank shows it cleared/deducted. I spoke with Google today XX/XX/XXXX, and they claim the transfer is still pending. I simply want my money. I've never had a problem with any other app such as XXXX, XXXX, or XXXX. I could be wrong, however if Google does this on many high dollar transactions, as long as they hold the money they could be earning interest.
Consumer complaint received 2018-02-07
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: WESTERN UNION COMPANY, THE (PA)

I went to send money to my brother in XXXX on XX/XX/XXXX, I paid everything for him to get money the same day. After 2 days my brother went to pick up the money 2 times and they said the money is not transfer yet. I called western union to ask them and I spoke with someone and he said he needs some information from me he started asking me questions and I responded to all the questions, he said my brother can go now pick up the money with the same Tran king number. My brother went agin they said there is no money transfer. I called again on XX/XX/XXXX to ask what happened and someone told me I cant send money and receive money with western union no more I asked why they said to go online. For me after many years I always send or receive money with western union I felt is not fair and I was not the way they should traits consumers. Iam so disappointed.
Consumer complaint received 2019-08-22
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. (NC)

XXXX ; Experian and XXXX are incorrectly reporting duplicate medical collections on the following accounts : XXXX XXXX XXXX {$140.00} XXXX XXXX XXXX {$140.00} XXXX XXXX XXXX {$140.00} XXXX XXXX XXXX {$180.00} XXXX XXXX XXXX {$180.00} XXXX XXXX XXXX {$210.00} XXXX XXXX XXXX {$210.00} XXXX XXXX XXXX {$250.00} XXXX   XXXX XXXX {$250.00} XXXX XXXX XXXX {$560.00} XXXX   XXXX XXXX {$560.00} XXXX XXXX XXXX {$560.00} XXXX XXXX XXXX {$560.00} XXXX XXXX XXXX {$560.00} XXXX   XXXX  XXXX {$560.00} ( Please see pages 23, 24, 25 , 26, and 27 of the attached credit report, along with a spreadsheet with the duplicate accounts. ) This incorrect reporting of duplicate collections is harming my credit score and these line items need to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove these items however, I have not been successful.