davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bull City Financial Solutions, Inc (NC)

I don't recall having a contractual relationship with this collection company XXXX XXXX XXXX XXXX. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2024-01-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (NV)

I am writing to report what appears to be fraudulent activity on my Wells Fargo Bank account ( Account # XXXX ). It seems that someone from California has been making unauthorized transactions, specifically using my bank account information for food deliveries through XXXX. 

I promptly contacted Wells Fargo upon discovering this issue, and I was assured that the bank would refund the unauthorized transactions and take steps to prevent any further losses. However, I am deeply concerned about the security of my account and the possibility that my information was compromised either through a data breach or another form of unauthorized access. 

This incident has left me feeling uneasy, as I believe Wells Fargo should prioritize the security of its customers ' accounts and take immediate action to rectify situations involving potential fraud. 

I kindly request a thorough investigation into this matter to determine the source of the security breach and prevent any recurrence. I urge you to provide me with detailed information on the steps being taken to address this issue and to strengthen the security measures on my account. 

I understand that situations like these can be complex, but as a loyal customer, I expect transparency and a swift resolution. I have attached documents outlining the unauthorized transactions for your reference. 

Your immediate attention to this matter is highly appreciated. 

Thank you for your prompt assistance. 

Sincerely, XXXX XXXX ( XXXX ) XXXX
Consumer complaint received 2022-09-14
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC (FL)

LOANCARE LLC HAS MY CREDIT REPORT REPORTING INCORRECTLY. IN THE MIDST OF LOAN MODIFICATION THEY KEPT REPORTING LATES AND THIS IS NOT CORRECT. THIS HAS BEEN ADDRESSED SEVERAL TIMES AND WILLING TO SUE THEM FOR THESE ERRORS. I HAVE SERVED THIS COUNTRY AND THEY DON'T SERVE ME CORRECTLY. I AM SHOCKED WHEN I PULLED MY CREDIT AFTER GETTING DENIED THAT THIS WAS SHOWING THE WAY IT IS.
Consumer complaint received 2020-08-27
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: SYNCHRONY FINANCIAL (TN)

On XX/XX/XXXX I purchased 2 items total XXXX from XXXX XXXX. A few days later I was told I couldn't get one of the items because it had been discontinued.I was informed I was getting a refunded XXXX. They told me it would go back on the card. It showing that I was issued a refunded however, the credit card company is charging me for interest and promotional purchases fees that's was not explained to me when they changed over from XXXX XXXX to Synchrony XXXX. I  made a purchased that was not on a promotional sale but I am being charged for the promotional fees and interest on that purchased that I got a refund for. The credit card company is charging interest on XXXX when the purchase was only XXXX and they are charging me fees for a promotional charge that when i purchased the item it was the original price no promotional price was given, actually the salesman said it wasn't on a promotional. I have called them and they told me nothing could be done. I have never miss a payment.
Consumer complaint received 2021-09-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Convergent Resources, Inc. (IL)

The XXXX debt was removed and resolved from my credit report. The company will send it to different credit agencies and affects my credit report. It is removed each time however it keeps dropping my score everytime the send it to another agency. It has been going on for over a year now. I just received another letter from another agency from XXXX and I feel like I'm being harassed. This last agency is Convergent with date of XX/XX/2021. I didn't save the other ones because they were resolve but this is becoming to much.
Consumer complaint received 2021-01-24
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. (OH)

I sent off two notarized dispute letters on XX/XX/XXXX and XX/XX/XXXX. It has been over 30 days and I have yet to receive a response from TransUnion. With that being said under the FCRA, if an investigation is not completed 30 days after receiving a dispute letter, they must delete all of the unverifiable and inaccurate information contained within that dispute letter.
Consumer complaint received 2019-06-05
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. (CA)

The List of Urgent Disputing Items are as follow ( in the order of listed on my credit file with Equifax ). Please remove the following item as soon as possible entirely.Because I never authorized these inquiries. 
1.XXXX XXXX XXXX Inquiry : XX/XX/2018 Credit Unions  ( XXXX ) XXXX 2.XXXX XXXX   Inquiry : XX/XX/2018 Credit Unions ( XXXX ) XXXX 3.XXXX XXXX XXXX XXXX Inquiry : XX/XX/2018All Banks Contact the inquirer : MAIL ONLY 4.XXXX XXXX Inquiry : XXXX. XXXX, XXXX National Credit Card Cos. Contact the inquirer : MAIL ONLY 5.XXXX XXXX XXXX XXXX Inquiry : XX/XX/2018 All Banks ( XXXX ) XXXX
Consumer complaint received 2021-04-24
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: Neon Newco Corporation (NY)

On XX/XX/2021 I received a Debit Card in the mail with my name on it from XXXX XXXX by XXXX. I never opened an account with this bank. I attempted to contact customer service first by the contact form on website, it lead to a 404 error. I called the number next, I either had to enter my card number in which it wanted to activate the card or enter my Social Security Number. I could also report lost or stolen card options. I tried staying on the line or pressing 0. These led to not a selection or hanging up. I did some searching and lot 's of people complained about the bank and other flatly said it was a SCAM to get you to give you your information or deposit money into the account. The mail looks very legitimate. The company even has apps on XXXX XXXX and XXXX XXXX. I would NEVER trust a bank that sends me a debit card I was not expecting or a new account I did not set up.
Consumer complaint received 2020-08-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

On or around XXXX XXXX my phone wallet and Passport were accidentally sent to XXXX on a plane. I was flying from XXXX to XXXX XXXX but somehow my bag was sent to XXXX apparently. My phone was brand new and had not yet been fully setup with Face ID etc. Apparently my phone was hacked into and all my passwords etc were stored on it. My phone and cards were used fraudulently. Which I reported by XX/XX/2020 once I received my new phone. I originally contacted BOA on XX/XX/2020 but becase charges were pending they told me to call back when they posted to start a dispute. Which I did. However whoever I spoke with didnt dispute all the fraud charges they only disputed two of them which caused my dispute to be cancelled because they thought I had made the other purchases which I had not. So I called again to reopen the dispute and was told that was happening however the dispute was never reopened and the charges are being blamed on me despite the fact that I was in the USA. My other credit card companies credit me already and sent new cards. Only Bank of America has tried to find me responsible for these charges which is ridiculous being that Im not even allowed to leave the USA due to Covid 19 so how could I be making charges in another country. They also claimed that because someone had logged into my online banking it must be me. However as I tried to explain to them my phone was stolen and apparently hacked according to XXXX and I did not make any mobile or other transactions. BOA claims I made these charges in the USA which is absolutely absurd because theyre all made in XXXX. About {$3000.00} was stolen from my account. I want it back.
Consumer complaint received 2022-09-14
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. (NJ)

On XX/XX/2022 I wrote XXXX, XXXX, and Equifax credit reporting agencies via certified mail ; informing them of the inaccuracies they were reporting on my credit report. They failed to reply within 30 days so I sent them a follow up certified letter on XX/XX/2022 and still they did not address the inaccuracies they are reporting on my credit report. It is becoming very frustrating for me. These companies are reporting inaccurate information about my credit history and are giving me a very hard time in correcting their errors. I have attached copies of the letters for your records.
Consumer complaint received 2020-08-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I notified Transunion that I am a victim of identity theft and the responded that they verified a fraudulent account to belong to me. I would like to know how and when transuion was able to verify a account that someone fraudulently put in my name by using my personal information
Consumer complaint received 2022-04-05
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: Experian Information Solutions Inc. (CA)

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 


Fraudulent INQUIRIES 1. XXXX Inquiry date : XXXX XXXX, XXXX  2. XXXX XXXX XXXX Inquiry date : XXXX XXXXXXXX XXXX 3. XXXX XXXX Inquiry date : XXXX XXXX, XXXX
Consumer complaint received 2018-07-05
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC. (OH)

XX/XX/18 I called in to Navient to discuss options concerning a payment. I explained that terms of the loan have gotten out of hand due to excessive forbearance that has been continually pushed by Navient. I reluctantly used this option in the past as a way to stop credit reporting as I continue to attempt to build my credit. I was expecting some sort of deal that would stop credit reporting and what i was offered was a program that " may '' end up dropping my rate. I explained that I needed a lower payment as this payment is currently out of my budget. The response of the two representatives I spoke with was appalling. The first lady I spoke with insisted that I make a payment towards the past due balance now. I questioned her as to how the credit reporting would go. She claimed that it would report 30 days less then what is reporting now. I questioned her on the original amount of the loan and how it has doubled. she claims that excessive forbearance is the reason. When I told her that I would need to call back when i am able to make a payment she questioned me about why I needed to call back and why I couldn't give her an account number to " post date '' now. I explained that i did not know which account i would be able to use so I was comfortable doing that. She became irritated and sent me to another representative to " check the account '' for me. The next representative apparently thought she would shame me out of the money. After i explained that I didn't have the payment she began interrogating my as to where my money was and why i couldn't pay. After about ten minuets explaining my situation she begins making the most rude and unprofessional comments. " Well how's the new truck, the truck you got in XXXX. '' " I explained to her that its great I am able to get my family around and get to work everyday. '' I proceeded to ask why she thought it was necessary to speak to me as if she had personally given me money to pay Navient back. She continued to push and ask why no payment has been made since XXXX, to which i respond I have been stuck between a rock and a hard place, and I really don't appreciate your professionalism when it was me that called in to rectify the situation. After an hour long, conversation I was frustrated to the point of hanging up the phone, I do now wish to deal with Navient and their scams or unprofessional representatives.
Consumer complaint received 2022-08-11
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 (IL)

My card was used for {$480.00} on XX/XX/22 in an online transaction thru XXXX. The company was XXXX XXXX  which is an XXXX company in XXXX XXXX I dont live in XXXX XXXX XXXX I have done all the research on my end. They have said I lost the dispute and that it was me. 

I have worked with XXXX XXXX  who has stated they dont have the transaction in their system and that they dont even use XXXX so its not even their company who the card was used at. The evidence against me is a XXXX receipt with my name and address but a fake email and fake phone number and invoice number was XXXX. Lots of red flags. 

I dont know what else I can possibly provide to say it wasnt me for an online transaction.
Consumer complaint received 2017-08-01
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc. (NY)

Coinbase " disabled '' my account on  XX/XX/XXXX . I was given no reason why. I was asked to provide proof of my identiy and address. I immediately uploaded a picture of my NYS issued ID and also uploaded photos of my credit card statement, health ins info to further prove my identity and address. I have received no explanation as to why my account is disabled.
Coinbase had no issue allowing me to buy   XXXX   worth of cryptocurrency but now I have no access to MY money.
My coinbase account is linked to my bank account and my  XXXX  account ( which has links to ALL of my banking information ). I am now unable to hold any money in any of my banks because I have no idea if someone else has control of my coinbase account.
It has been almost 2 weeks with ZERO answers/resolution. The only communication from coinbase has been letting me know that my case is being escalated and IF my issue is resolved they will email me.??? Coinbase will email IF my account is cleared. IF? Coinbase is holding  XXXX  worth of purchased ethereum and litecoins. How can they tell me they will email IF they " clear account. '' I fear they have locked my account and stolen my money and banking information.
Consumer complaint received 2023-02-07
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: JPMORGAN CHASE & CO. (CA)

I disputed a charge with Chase for a hotel room that was slum at the XXXX XXXX XXXX XX/XX/2022 for a family reunion. The pictures on the internet did not match the room they gave us for 4 people. Carpet filthy, broken lights, filthy bathroom, room too small to accommodate 4 people. I informed Chase I had pictures so they could compare our room to what posted on the internet, but they said it wasn't necessary. I spent a whole day looking for another hotel during peak season, not to mention, they ruined our family reunion.

I called Chase 1 week after this event happened and the agent did say they would support me with the dispute and that there would not be an issue doing a chargeback. This was a recorded call.

Several weeks later, no chargeback. When I called, Chase said there wasn't a claim and that I was 7 days past reporting. I asked them to find the recorded message for when I initially called and they would not come up with that. 
I escalated to my account XXXX, who managed to reopen the case. Chase again denied it and would only offer me {$100.00} out of the {$340.00} disputed amount. I accepted the {$100.00} on the premise that this is not a settlement for the dispute.

Chase was horrible to deal with REGARDLESS of the several years I have been a customer with them with no issues.

Chase has no ethics and horrible customer service!!
Consumer complaint received 2020-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NJ)

I paid off my derogatory accounts and when I disputed them to have them remove from my account they werent and I was told that I still had the debt which was paid. 
I also downloaded the paid receipts from those companies that were paid off and got a letter back saying my information was not true
Consumer complaint received 2019-06-05
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

On XX/XX/XXXX at XXXX I requested {$10000.00} to be transferred from my Capital One 360 Money Market Account to my brokerage account at XXXX XXXX . The funds were transferred and settled at XXXX XXXX on XX/XX/XXXX. 

Today ( XX/XX/XXXX ), Capital One reversed that transfer. When I contacted their customer service, they can not tell me why the transfer was reversed. Their only solution was that I should wait three to five business days for the funds to post at Capital One and then they can tell me why the transfer was reversed. I asked to speak to a supervisor when I said that was not a satisfactory answer and received the same answer from the supervisor ( XXXX ). 

I then requested how I could contact XXXX to follow-up on the issue so I would not have to spend another 30 minutes on the phone regarding this error on their part and he said he does not have any direct contact ability ( no phone extension or e-mail ) so I would just have to call back once the funds settled back at Capital One and start the process over. 

I asked to speak to someone higher up as this did not seem like a satisfactory explanation and XXXX said there was no one above him to speak with. 

I called XXXX to see if they could stop the transfer and they said the funds had already been transferred to Capital One so there is nothing they could do. They said typically there is a note left to explain why a transfer was reversed and in this case the entire note was just " reversed ''. They also were confused why Capital One needed to wait three to five business days because the funds are already at their institution.
Consumer complaint received 2021-09-14
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA (DC)

On XX/XX/2021, I attempted to log into my Marcus by Goldman Sachs personal savings account at which point I discovered it was locked. I then immediately called the customer service number listed, and after waiting for a cumulative time of 23 minutes on hold, I was unable to be transferred to the specific team who had closed my account and would need to reinstate my account. Customer service then told me that this specific team would call me back " at some point '' and that there was nothing I or they could do in the meantime. I then requested to transfer my funds out of the account so that I could close the account and terminate my relationship with Marcus by Goldman Sachs, however, the customer service team told me I could not do that. As of now, Marcus by Goldman Sachs is preventing me from accessing my funds without providing any explanation and without allowing me to reach the team responsible for locking/unlocking my account, therefore I am requesting the CFPB 's involvement to investigate. 

Additionally, on XX/XX/2021, when initiating a small transfer of funds from my Marcus by Goldman Sachs account to another personal bank account at another financial institution ( which I am the account holder of ), I received an unorthodox call from Marcus by Goldman Sachs informing me that I needed to provide a phone number for the receiving financial institution in order for the transaction to be reviewed and completed. After inquiring into the nature of this unorthodox request, I provided the customer service phone service number of the receiving financial institution ( which is obtainable via a simple internet search ).
Consumer complaint received 2018-03-27
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: CORELOGIC INC (GA)

I have contacted Credco in XX/XX/ and today, regarding a hard inquiry from a car dealership in Fl, that was placed on my credit file on XX/XX/, which I did not apply for. An investigation took place, only to come back as, the company who pulled my credit, was from an online application source. I even reached out to XXXX XXXX, and requested a phone call from the Finance dept and the General Manager and no one has returned my call yet as of today. I have documentation all this taking place inside the dealership, based on the email from the salesman. Keep in mind this is in another state, from which I currently live. Since this dealership, had the correct info to run my credit, nothing was done to delete this hard inquiry, but to refer me back to the credit bureaus to submit an identity fraud claim.I am exhausted with this process, because I am being dragged in a circle of lies, with no result.I currently have a freeze on all 3 credit reports due to me being a credit fraud victim. I am seeking additional help from your company, with removing this damaging inquiry from my credit report. Please help me. Thank you