davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-07
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (MD)

Originally disputed with the company on XX/XX/2020. 
Experian received my disputes XX/XX/2020 according to my certified mail receipt. 
Received several notices on XX/XX/2020, XX/XX/2020, and XX/XX/2020 stating that the accounts were accurate. 

Responded to company on XX/XX/2020 requesting a reinvestigation and method of verification. 
Company received my response XX/XX/2020 according to my certified mail receipt. 
Company responded XX/XX/2020 without providing method of verification. 

Responded to company XX/XX/2020. 
Company responded XX/XX/2020 stating accounts have been verified once again without sending the procedures used to verify the accounts. 
It is now XX/XX/2020 and I have still not received the methods of verifications used from the company. 

According to the FCRA the consumer has the right to request the procedure used to verify accounts and the company has 30 business days to respond with that information. I have not gotten a proper response from the 2 last times I have requested method of  verification.
Consumer complaint received 2018-02-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN HONDA FINANCE CORP (NY)

I took out lease XXXX of XXXX I immediately setup a monthly recurring payment with my bank XXXX. every month on the XXXX XXXX sends payments to XXXX XXXX XXXX. XX/XX/XXXX XXXX had a glitch in their system and did not send payment to American Honda. I contacted XXXX and they don't have an explanation why payment was not made. I provided proof to all credit bureaus showing I had the funds available, proof that I had a monthly recurring payment setup, showed them I still had XXXX more payments scheduled and credit bureaus will not remove late payment posted on my credit reports.
Consumer complaint received 2021-12-03
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (CO)

I had purchased shoes from XXXX which were never shipped. I got tired of waiting, thus asked the seller for a refund. They said they prefer PayPal. I opened a new account, despite being reluctant toward using PayPal as I know how parasitic they can be. 

Once the funds were sent to my new PayPal address, all of a sudden, PayPal started requesting for a bunch of documents in order to verify my identity and release my little {$95.00} refund. 

I submitted my government issued ID and other documents. My bank account was linked, I had verified my phone number, my email address and more. 

However, despite having all the information above, every time I'd log back in to check the status, they'd ask for more and more personal information, such as bank statements, proof of fulfillment ( even though it was a refund ). 

They also ask me to resolve my other account from years ago which I don't have access to. They want me to upload dozens of documents to that irrelevant account as well, which is ridiculous. 
I wasted hours on this. Their representatives are unhelpful, they send massive, redundant chat replies, their phone number is useless. 

I believe they their main aim is for me to leave the account unresolved by giving me all this headache. Therefore, they could have/steal my funds, as I suspect they do with thousands of customers complaining on XXXX. 

This isn't about my {$95.00}. They've been locking people out of their accounts with $ 100k in them to possibly earn interest on those. Others claim PayPal has stolen thousands of dollars from them. Please see below. 

https : XXXX XXXX regards, XXXX
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 XXXX XXXX ( Original Creditor : XXXX XXXX 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 {$80.00}. I have tried many times to get this verified with no such luck. Please review for deletion.
Consumer complaint received 2018-02-26
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY (TN)

I received an offer from Wells Fargo Bank for a {$500.00} bonus for opening a checking account. I opened the checking account on XX/XX/XXXX. I opened the account at the Main Branch in XXXX TN. 

The requirements were to deposit {$2000.00} within 60 days of opening the account. I had deposited over {$2000.00} by XX/XX/XXXX. 

On XX/XX/XXXX, I called customer service to inquire about the bonus. I spoke with XXXX. He informed me to visit the branch I opened the account with. On XX/XX/XXXX, I went into the branch and spoke with XXXX. She informed me that the promo code was not applied to my account and would be credited by XX/XX/XXXX. I waited until XX/XX/XXXX, and when I inquired about the bonus I was told that there was a system error and it would be resolved by XX/XX/XXXX. On XX/XX/XXXX, I inquired and I was told the money would be credited to my account by XX/XX/XXXX. 


It is now XX/XX/XXXX and I have not received any credit. Wells Fargo acknowledges I am entitled to the bonus, but they keep delaying it further and further. When I inquired about it today, I was told to wait until XX/XX/XXXX.
Consumer complaint received 2018-02-26
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Capital Accounts, LLC (OH)

ON XX/XX/2018 AN ACCOUNT REPRESENTATIVE BY THE NAME OF XXXX XXXX CALLED MY PHONE AROUND XXXX. MY XXXX YEAR OLD DAUGHTER ANSWERES THE PHONE ANS THE REPRESENTATIVE QUESTIONED MY DAUGHTER REGARDING MY ADDRESS. MY DAUGHTER TOLD HER SHE DIDNT KNOW THE ADDRESS AND SHE THEN ASKED MY DAUGHTER HOW DO YOU NOT KNOW YOUR ADDRESS. SHE ALSO ASKED HER SEVERAL TIMES WHERE WAS I AFTER MY DAUGHTER TOLD HET I WAS UNABLE TO COME TO THE PHONE. DURING A PREVIOUS CALL FROM THIS COMPANY, I TOLD THEM I DISPUTED THE DEBT AND ASKED THEM IF THEY COULD SEND ME ACCOUNT VALIDATION PER THE FCRA 1692 SECTION B, WHICH I NEVER RECEIVED. THIS REPRESENTATIVE CONTINUED TO CALL AND QUESTION MY DAUGHTER WITHOUT SENDING ME VALIDATION AS I REQUESTED, WHICH THEY ARE REQUIRED TO DO BY LAW. I AM SEEKING LEGAL REPRESENTATION IN THIS MATTER
Consumer complaint received 2021-05-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (FL)

I have a loan with BEST BUY/CBNA, XXXX XXXX  XXXX XXXX  and XXXX/XXXX  XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called BEST BUY/CBNA, XXXX XXXX  XXXX/XXXX  XXXX  and XXXX/XXXX  XXXX  and they said their system mistakenly put me on paperless billing, which I did not request, and it caused me late account posting error. As you can see, I have always had a stellar payment record. I tried contacting XXXX, XXXX, XXXX, and BEST BUY/CBNA, XXXX XXXX  XXXX XXXX and XXXX/XXXX  XXXX  with no successful resolution. XXXX, XXXX, and XXXX reporting me having late payments. There was an error on their part. I was never late.
Consumer complaint received 2024-03-22
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: JPMORGAN CHASE & CO. (IL)

CHASE BANK in particular the Chase Sapphire Credit Card department is involved in XXXX and misleading their clients ' practices. 
In XX/XX/year> my balance of my Chase Sapphire Credit Card was XXXX. Chase sent me an invite to 'minimize my credit card balance as offering me {$690.00} balance transfer as a cash to be deposit to my Chase checking account. I would pay {$34.00}. I agreed as balance transfer meant to take {$690.00} out of my current credit card balance {$4300.00}, in order to minimize the balance of my Chase Sapphire credit card. 
Chase XXXX transfer {$690.00} to my checking account on XX/XX/year>. HOWEVER, Chase ADDED {$690.00} PLUS + $ XXXX MY PREVIOUS CHASE SAPPHIRE CREDIT CARD BALANCE, but over-limited my credit card above my {$5000.00} limit at {$5000.00}. 
In other word, CHASE willfully defraud me/ misled me as this is NOT A BALANCE TRANSFER. BUT RATHER IT WAS COMPLETED AS A CASH ADVANCE TRANSACTION WITHOUT MY AGREEMENT FOR CASH ADVANCE. NOW CHASE WILL MAKE ME TO PAY NOT ONLY INTEREST ON THE NEW BALANCE {$5000.00}, BUT AFTER XXXX YEAR SHOULD I NOT RETURN THIS MONEY I HAVE TO PAY DOUBLE INTEREST ON {$690.00}. THIS IS ILLEGAL!!!! 

PER Consumer Financial Protection Bureau, " Balance transfer is : A balance transfer lets you move an outstanding balance from XXXX credit card to another, sometimes for a fee. The fee is usually a certain percentage of the amount you transfer or a fixed amount, whichever is more. 

THEREFORE, Chase ILLEGALLY, FRAUDULENTLY TOOK THE MONEY FROM MY CREDIT CARD remaining balance of my credit card, transferred the money as cash wrote this is a balance transfer transaction but NEVER PERFORMED A BALANCE TRANSFER. THIS IS A FRAUD. 

NOW, my balance is over the limit, my credit is affected due to Chase XXXX action while my balance on the Chase XXXX credit card should be XXXX + {$34.00} balance transferred fee Activity since XX/XX/year> Previous statement balance {$4300.00} Payments {$0.00} Purchases {$0.00} Balance transfers. CHASE XXXX XXXX XXXX XXXX ID : XXXX + {$690.00} Fees charged + {$34.00} Current balance {$5000.00}
Consumer complaint received 2021-10-15
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

I am very upset with this issue. I sent a letter to the credit bureau on XX/XX/2021 regarding inaccurate accounts on my report. It is now 45 days and I have not received a repsonse. I did my research and I am for sure that the credit bureaus have 30 days to reply back and they have not. I know that failure to respond is grounds for immediate removal.
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: EQUIFAX, 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 2021-03-16
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PlusFour, Inc (FL)

On XX/XX/XXXX at XXXX XXXX est I called debt collector Plus Four, Inc ( XXXX ) XXXX to request a validation of debt, my credit report was showing that I owed {$320.00}. I provided the rep my dob and last 4 of social security number, the rep stated that there are several accounts on file and that a validation letter could not be fulfilled via phone request, I would have to request the validation by sending a letter via mail. I was then provided the business address to send the letter. I went to the USPS later that day and sent the letter certified ( see attachment ). Upon checking the tracking information on USPS.com on XX/XX/XXXX, the system stated the letter was refused and is currently being returned back to sender. 
I have disputed and requested removal of this account several times on XXXX/XXXXXXXX and asked for a validation of debt from the debt collector to no avail. This account continues to be reported without any proof of validation and is damaging my credit.
Consumer complaint received 2021-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

I have not supplied proof under doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) XXXX XXXX XXXX XXXX, I may presume that no proof of the alleged debt, nor therefor any such debt, in fact exists
Consumer complaint received 2021-05-06
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: United Accounts, Inc. (TX)

Yes a lady by the name of XXXX XXXX called and left a voicemail for me on behalf of XXXX XXXX stating she was from a proceeding office and she had instructions from XXXX XXXX and XXXX XXXX to file a lawsuit against me. I called XXXX XXXX and spoke to multiple people and none of them mentioned a lawsuit or anything of that nature. The reps offered me a chance to pay the debt for {$200.00} due to the company having a promotion and then gave me a number to a United who didn't have my file so I called back to XXXX XXXX to try to pay the {$200.00} and again it was the XXXX XXXX who was trying to file a lawsuit against me that XXXX XXXX gave them. I then called the XXXX number since they are the ones who called me today and were the one who are trying to sue me and take me to court and told them about the promotion. The lady I spoke said she called the president/owner and he said that I couldn't have the {$200.00} promotion because the lady who wants to do the lawsuit didn't agree with it and I know for a fact that debt collection agency accept offer all the time for less than the amount and I'm not sure if its because I haven't been notified about this debt or if the lady was just having a bad day but something seemed off.
Consumer complaint received 2021-03-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA (CA)

On XX/XX/XXXX, I had bought a bike for {$720.00} from Mr. XXXX online for my husband 's birthday. I received confirmation regarding the order with the promise a tracking number will be sent soon. On XX/XX/XXXX, I reached out through email regarding the charge when the order will be shipped. I received no reply. On XX/XX/XXXX, I requested the cancellation of my order, and my order to be refunded per their lack of response. I received no response and disputed the transaction on XX/XX/XXXX with Apple Card Support. 

1st dispute - I disputed the {$720.00} on my account from Mr. XXXX. I provided the information that not only did I not receive the item, but I was unable to contact the vendor through their support email, and all calls were unanswered, and my voicemails were not returned. I was told by Apple support on XX/XX/XXXX that the transaction had been resolved as " the merchant provided sufficient evidence that you made the purchase. '' 2nd dispute : After the failure of the 1st dispute, I reopened a new dispute as the issue was with not receiving the bike, not fraud on the account. The technical support representative apologized and said that the dispute was imported " wrong '' and re-entered my dispute. 

On XX/XX/XXXX, I received an email from Mr. XXXX stated my order had been canceled and refunded. I checked my account, and no refund was posted to my account. 

On XX/XX/XXXX, I received notification that the dispute was again ruled in the merchant 's favor as " the merchant provided sufficient evidence that you made the purchase. '' 3rd dispute : On XX/XX/XXXX, I disputed the transaction again and was told again that the complaint was entered " incorrectly. '' I was told to send my emails and the refund notice with the dispute for my evidence. I also double-checked with the rep. that the refund by the merchant was never posted ( it was not ). I disputed the transaction again, with the representative saying that her managers will personally track this dispute due to the many issues. 

Today, XX/XX/XXXX, I received a notification that the " Merchant provided supporting evidence or response, '' and the credit will be added to my account. I have still not received a refund for the initial purchase or any product. 

Apple card support ( Goldman Sachs ) is not resolving my disputes in good faith.
Consumer complaint received 2021-05-06
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (CO)

I opened a checking and savings account package with Citibank while there was a promotion for a {$400.00} bonus if {$15000.00} was kept in the account for 60 days. The bonus was supposed to credit after 90 days. During that period, I contacted Citi to confirm that I was eligible and enrolled, and multiple customer service representatives said I was. After I did not receive the bonus, I contacted them again, and they stated they were " not aware of any promotions offered in conjunction with the opening of your account. '' I faxed them over screenshots of the terms and conditions of the promotion, which do not have a specific sign up code required and state " Customer is automatically enrolled when applying online. '' This matches what the previous representatives said before Citi decided to not honor the terms of the promotion.
Consumer complaint received 2017-12-21
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. (FL)

The issue I present before you for review and subsequently action is this : 1. I am attempting to apply for a mortgage for a home and when my credit report was requested by XXXX XXXX XXXX XXXX , the report was incomplete from only 1 Credit Reporting Agency and that is TRANS UNION. The Trans Union report has NO information regarding my auto loan on which I have been paying, out of my personal (  singular ) checking account for over 6 months. The other 2 Credit Reporting Agencies have the information just as it is shared with all agencies. All 3 agencies receive the information associated with my social security number ending in XXXX and the information regarding my co-owner on the note, XXXX XXXX XXXX ( my spouse ) and his social security number ending in XXXX, however Trans Union seems to have difficulty making the connection between all the variables. Variables : A. My name on my drivers license, when I applied for the loan was XXXX XXXX XXXX but on my social security card was XXXX XXXX XXXX. Variable B. I am the co-owner of this loan with my husband XXXX XXXX. Varable C. The finance company, XXXX XXXX, reports both XXXX XXXX and XXXX XXXX as making the payments on this loan on time and without lapse. 
2. I have attempted to correct this oversight and have spoken to various representatives of TRANS UNION,  including those in a supervisory role, but have not been able to correct the error they are making in their reporting. I have Faxed ( XXXX17 ) documentation explaining the issue and still nothing gets accomplished. I have been told on every single call " the issue is the name they are reporting and the social security number do n't match and that is the relevant issue and I ( representative ) will correct the record and the error will correct itself. '' Thais statement is incorrect!!!!! 
3. I believe the customer service associated with this company is so sub-par and the representatives have NO desire to actually correct the mistakes. I am quite confident, that had these reports, associated with my social security number, been derogatory in nature, there would be NO hesitation as to how they would adversely impact my report. 
I would like to enlist your assistance to address and correct this issue as I am sure I am not the only consumer who has had to deal with such atrocities! Thank you - XXXX XXXX. ( formally-XXXX ) XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Florida XXXX XXXX E-Mail : XXXXXXXXXXXX
Consumer complaint received 2021-12-03
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Better Mortgage, Inc. (MI)

I would like to report Better Mortgage and XXXX XXXX for false and misleading advertising. Both XXXX and published no origination fees over multiple websites and specifically XX/XX/ I proceeded to apply for pre-approval to refinance a conventional loan based on the XXXX XXXX article. I've attached the initial disclosures and redacted my personal information. I have excellent credit and little to no debt. Origination fee was 6.183 % and the interest rate was 4.375 %. This is just blatant misrepresentation and false advertising on the part of both XXXX and XXXX. I obviously do not plan on proceeding but I would like to make the CFPB and FTC of these deceptive practices in hopes that it XXXX prevent other consumers from these deceptive tactics that could lead to a consumer spending thousands of dollars unnecessarily.
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Please remove hard inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-27
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: Solomon and Solomon, P.C. (NY)

The lack of support during the tedious process I have felt extremely violated and compromised and as well as devalued as a consumer the following inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX unknow creditor inquiry XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX all the following inquiring reports was made without proper permission on my behalf
Consumer complaint received 2022-04-27
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: CAINE & WEINER COMPANY, INC. (NY)

The lack of support during the tedious process I have felt extremely violated and compromised and as well as devalued as a consumer the following inquiries XX/XX/XXXX XXXX  XXXX, XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX unknow creditor inquiry XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX all the following inquiring reports was made without proper permission on my behalf