davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-11
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY (OH)

near the end of XXXX ( unsure exact date ) I got an email saying Wells Fargo updated my phone number. As I did not do this, I called them on XX/XX/2022 was told a checking account had been opened in my name, I also did not do that, so I requested it be closed. I was told that I would be getting a fraud from to fill out, never did get said form. 

Now, XXXX weeks later, I get a statement for this fraudulent account ( thankfully a zero balance ) and this lady on the phone today says it will be another 30-45 days to close account. 

Tired of the games they are playing, so I told them I was forwarding the matter to you since it seems Wells Fargo likes to play games copy of statement from fraudulent account attached
Consumer complaint received 2017-10-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

I HAVE ATTACHED MY DRIVER LICENSE FOR NAME SPELLING AND ADDRESS PROOF. ON MY CREDIT REPORT I HAVE FRAUDULENT NAME SPELLING AND ADDRESSES ALSO SOCIAL SECURITY NUMBER VARIATION THAT IS NOT MINDS. I EVER GAVE ANY ONE CONSENT TO USE MY PERSONAL INFORMATION IN ANYWAY. I HAVE ATTACHED MY CREDIT REPORT WERE THE FRAUD IS SHOWING.
Consumer complaint received 2017-10-16
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. (FL)

There is an unauthorized inquiry on my credit report made by XXXX XXXX on XX/XX/2016  that does not belong to me. I have spoken with the creditor who claims I must contact the credit bureau. When I speak with the credit bureau, I am told to speak with the creditor. This inquiry does NOT belong to me and is adversely affecting me.
Consumer complaint received 2021-08-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I am the victim of a sophisticated fraud perpetrated by my ex wife XXXX XXXX against me over the life of our marriage. I have consulted with local authorities and with legal counsel, and I have been advised that my rights under the consumer protection statutes at both federal and state level are applicable here. However, after notifying Bank of America of the fraud discovered, they allegedly conducted an investigation and decided to ignore my rights under the law that protect victims of Identity Theft. I understand that the circumstances are not your cookie cutter, cut and dry identity theft - however if you look at the totality of the situation- I never benefitted, authorized, or was aware of any of these accounts opened, maintained, and used in my name. My signature was forged, in every single instance that the cards were used. Payments were made from an account not under my name. The forgery and deceit is of the highest level, and I have stated numerous times that I am willing to cooperate with and assist with any prosecution for forgery, fraud, and ID theft charges that should be levied on XXXX. 

Pursuant to the guidance issued by the CFPB and The Federal Trade Commission, I have included my law enforcement report and my notarized Fraud Affidavit in this complaint. This ID theft report has been provided to all my creditors, however Bank of America is choosing to ignore the facts and reach a conclusion against me, the victim of a sophisticated Fraud.

Bank of America has been provided with a legal notice summarized here : " Section 623 ( a ) ( 6 ). If a furnisher learns that it has furnished inaccurate information due to identity theft, it must notify each consumer reporting agency of the correct information and must thereafter report only complete and accurate information. Section 623 ( a ) ( 2 ). When any furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. Section 615 ( f ). '' They have failed to abide by those requirements and more, and therefore leave me no choice but to pursue assistance from the CFPB in order to resolve this fraudulent debt against me.
Consumer complaint received 2018-06-05
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Consumer Portfolio Services, Inc. (OH)

Problem with credit report and score after we had agreed with the offer they had given me on their web site to for give three month of payment. Then after three month pay at the END OF THE XXXX MONTH ON THE XXXX. What they ended doing was report me to all three credit company saying I didn't pay on time. Hurting my credit score and hardship to me and my family after back XXXX.
Consumer complaint received 2022-01-06
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. (FL)

XX/XX/XXXX I was diagnosed with XXXX for the XXXX time, I contacted the company the moment i recovered. Submitted payment of XX/XX/XXXX but posted on XX/XX/XXXX due to XXXX XXXX Holiday.
Consumer complaint received 2017-10-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Penn Credit Corporation (NY)

I am getting telephone messages about " personal business '' from XXXX for a month. Calls come twice a day. They are robocalls. I am not aware about any debt that I own as I pay all my bills on-time and never received any paperwork from missed payments from anyone. I called the number back on XX/XX/XXXX and was told that my number is not registered in their database. However, the calls are continuing to come. Even today, Sunday, XX/XX/XXXX, I received 2 calls. When I called back, the message is that the business is closed.
Consumer complaint received 2024-03-15
Product: Credit 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. (CA)

I have the XXXX XXXX XXXX XXXX. There is a {$120.00} statement credit towards XXXX purchases. This is outlined in disclosure found on website and below : {$120.00} XXXX XXXX XXXX XXXX statement credit will automatically be applied to your account when your card is used for XXXX purchases, up to an annual maximum accumulation of {$120.00}. Annual means the year beginning with your account open date through the first statement date after your account open date anniversary, and the 12 monthly billing cycles after that each year. XXXX XXXX purchases include airline tickets purchased from XXXX and the following purchases made from XXXX : seat upgrades ; Economy Plus ; inflight food, beverages and Wi-Fi ; baggage service charges or other XXXX fees XXXX XXXX XXXX XXXX from Chase purchases will also qualify. Other XXXX XXXX purchases, such as XXXX XXXX, XXXX XXXX XXXX, XXXX and Merchandise Awards, are excluded. XXXX tickets booked through some discount travel websites or as part of a third-party travel package will also not qualify. XXXX credit ( XXXX ) will post to your account the same day your XXXX purchase posts to your account and will appear on your monthly credit card billing statement within XXXX billing cycles. The XXXX XXXX XXXX will be issued for the year in which the transaction posts to your account. For example, if you pay for XXXX, but XXXX does not post the transaction until after the current annual period ends, the cost of the Wi-Fi will be allocated towards the following years XXXX XXXX XXXX maximum of {$120.00} XXXX 

On XX/XX/24 ( statement attached ) I purchased a XXXX XXXX XXXX ticket. This qualifies for the {$120.00} statement credit outlined in disclosure, above. I called in to the credit card line to inquire about my credit and was told it would appear on the XXXX statement. The XXXX statement is also attached with no {$120.00} credit. I have called multiple times to resolve the credit and each time receive a different answer that is inconsistent with disclosure. This is a XXXX violation.
Consumer complaint received 2020-05-31
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TRUIST FINANCIAL CORPORATION (NC)

On or about XX/XX/XXXX I opened a new BB & T checking account, using a promotion offering a {$200.00} new account bonus. On XX/XX/XXXX, 2 deposits totaling {$800.00} were made to my new account, fulfilling the first step of the bonus requirements. 

On XX/XX/XXXX, a letter was sent to me, informing me that my new account was being closed immediately, and sternly warning me to not use the account for any further deposits of withdrawals. It stated that my remaining balance would be returned by check after 10 days. 

The week of XX/XX/XXXX, I contacted BB & T about having not received a check for my balance. I was informed I had to go into a branch " to sign something '' before I'd be given my money. 

It is outrageous that the bank insist I unnecessarily travel to a branch at a time our state is under an emergency stay at home order, when the branch lobbies arent even open, to collect something I was told would be sent to me 3 weeks earlier. It is now a more than a month later, and I've still received no check.
Consumer complaint received 2017-12-29
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Social Finance, Inc. (CA)

Student Loan ReFi ( # XXXX ) Unfortunately, I was dissatisfied for the following reason.They lured me into applying for a loan. I submitted basic information including my SSN # and they prequalified me. I submitted more information to conclude the process. At the last minute, they declined the offer. What about the -25 point hit my credit score took?
Consumer complaint received 2022-03-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CLGF Holdco 1, LLC (KS)

I have had this credit card for 4 years or so and never had an issue. I have not used it in awhile and when I log in it says my balance is 0 and no payment due. However I keep getting calls from them so I called them to find out and the agent said I'm a payment behind and I owe 200 plus dollars. I told him that it says my balance is 0 and that I paid off the card and shouldn't owe anything. He said idk ma'am. I said well can someone who knows tell me what is going on then??? He then hung up.
Consumer complaint received 2021-08-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I entered into this consumer transaction using my open end credit plan ( SSN ). I have requested on several occasions for Capital One to validate this account, that was never done according to FCRA. Reporting this unverified inaccurate account has harmed my ability to extend my credit to other financial institutions. This company sold my personal information to a 3rd party, that's was against my consent.
Consumer complaint received 2018-01-16
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: WELLS FARGO & COMPANY (NJ)

I have a checking account with Wells Fargo. Carry large balances in the account. I opened a XXXX XXXX trading account to buy some XXXX. I set it up as a ACH from Wells Fargo checking account in the amount of {$5000.00}. Seven days later, XXXX XXXX sent me an email saying trade was cancelled because XXXX did not honor the ACH. I went into the XXXX branch and they said there was a hold on the account due to a suspicious ATM Card charge. I was never notified that there was a hold on the account. No email, call, nothing. The cancelled trade has cost me over {$5000.00} and i am going to go after the bank. I have been speaking with the branch manager and she has not been helpful. I have asked for proof of the attempt to contact me and have gotten nothing. This is unacceptable. Wells Fargo needs to be responsible for this.
Consumer complaint received 2018-01-10
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: ALLY FINANCIAL INC. (NC)

I called all of these companies on XX/XX/XXXX to get some understanding of why they was on my XXXX report XX/XX/XXXX as a inquirie. They ask did i apply for a car or co-sign i repeated " No i dont even have a driver license nor did i co sign for anybody ''. They agree to send notice to the Credit Bureau agree to delete. Well here we are XX/XX/XXXX and it is still on there.
Consumer complaint received 2023-04-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: Atlanticus Services Corporation (MI)

I received an alert from XXXX XXXX XXXX and XXXX on XXXXXXXX XXXX,2023 that I opened a new account and it affected my credit score. I checked and saw that a credit card was issued by Fortiva without my consent. I already had retail credit with Fortiva for my XXXXXXXX XXXX for my home ( not my choice-this was the creditor I had to use when I set up XXXXXXXX XXXX for my home ). I never applied for a credit card with Fortiva. I did receive many emails offering a credit card by Fortiva but I never responded to their offers. I always ignored the emails unless it was the emails letting me know that my monthly charge for the XXXX account was being automatically deducted from my bank account. I did call Fortiva right away and then know what they did was not right and it has terribly affected my credit score. The rep knew how upset I was from letting him know that I never consented or approved them opening a major credit card. He apologized and closed the credit card account and told me to shred the card when it arrives. The Card arrived the next day on XXXX XXXX2023 so I shredded as advised. This has greatly damaged my credit score which I spent years getting to the excellent status it has been before this incident.
Consumer complaint received 2018-01-16
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: SYNCHRONY FINANCIAL (FL)

I have two inquires from XXXX XXXX XXXX ( Inquiry : XX/XX/XXXX ) and XXXX ( inquiry : XX/XX/XXXX) I am not liable for and its showing up on my credit report.
Consumer complaint received 2018-01-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

XXXX/XXXX/17 XXXX XXXX XXXX XXXX placed a hard inquiry on my transunion report. I have called the company two different times and was told by two different representatives that XXXX XXXX XXXX is a department that does n't exist. The representatives each told me that it 's nothing that they can do and to call the reporting bureaus. The only credit report it 's showing up on is transunion. I have called transunion numerous times and the representatives are not willing to help either. Transunion is telling me that they do n't dispute inquiries and to call XXXX.
Consumer complaint received 2017-07-11
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Onity Group Inc. (TX)

I was XXXX on XXXX of 2016 and during that time frame I was under the impression that my mortgage was being auto drafted out of the account. Due to some issues with my pay with Government my payment wasnt being deposited on time to my checking account causing payments be missed applied everywhere. Since that time frame I have paid off the balance on both my 1st and 2nd Notes with Ocwen Loan Services. I am now trying to relocate due to my orders to XXXX XXXX, Texas and am in the middle of trying to purchase a home and can not due to the lates on my credit report.
Consumer complaint received 2024-03-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (TX)

On XX/XX/24 I went to the ATM machine located at XXXX XXXX XXXX in XXXX XXXX Tx. I requested {$220.00} but the ATM only dispensed {$100.00}. My bank, Chime Bank, still posted the transaction as {$220.00}. I called immediately to Chime and they advised me to wait until the transaction was no longer in pending status to file a dispute. The next day on XX/XX/24, I did file a Regulation E dispute with Chime bank. My dispute was promptly denied by Chime on XX/XX/24. I requested documentation from the investigation and still have not received it. At that point I knew I needed to do my own investigation. On XX/XX/24 I called the number on ATM XXXX. An XXXX representative confirmed that an error did occur in my ATM transaction. The representative sent me an email stating that as well. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX RECORD NO. XXXX WITHDRAWAL {$220.00} FROM CHECKING US DEBIT XXXX XXXX XXXX <Error Mgr> State of ( optional ) device MONEY_CASSETTE_2 I did send this information to Chime and asked for them to reopen my dispute. Which they have not.
Consumer complaint received 2022-03-11
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: EQUIFAX, INC. (NV)

I am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint. I have completed the report and have attached my documents for proof of ID. I am deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of reciept of this report. Failure to do so is a violation of my rights.
Consumer complaint received 2017-10-15
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (IL)

On XXXX, {$300.00} was withdrawn from our account with a debit card number to XXXX, not authorized by my husband or I. {$300.00} for a wire transfer, {$9.00} service charge. We have never used XXXX XXXX before. We immediately called Chase XXXX to report these as fraudulent. They opened a claim and put the funds back into our account after 24 hours. About a month later, the charge reappeared as a " Reversal '' in the same dollar amount. Again, we called Chase XXXX, who informed us that XXXX XXXX told them it was a legitimate charge. Debit card #, address, and my husband 's name entered as payment info. No PIN was entered. The debit card was never lost, it was in my husband 's possession, so he was not negligent by not reporting it stolen. 
The Chase fraud representative supplied me with the IP address, the name of the person the wire transfer was sent to XXXX someone out of state, incarcerated in a correctional facility ), and the email address the purchaser used, with her first and last name. Clearly a fraudulent issue. Chase said they would give us our money back, because XXXX XXXX said it was not fraud and would not pay Chase for this charge. They told me to contact XXXX XXXX, and were rude to me and would not acknowledge it was fraudulent. I asked Chase if they would return our funds if we filed a police report and the police determined it to be fraudulent upon investigation. Chase said they would not. They said even though it was illegal and fraudulent, because XXXX XXXX claimed it was not ( because they did n't want to pay Chase ), they would not reimburse us. How is this " fraud protection ''? 
My husband and I discussed and decided we would file a police report. The IP address the Chase representative provided me for the fraudulent transaction did not have periods in it, just numerical digits, so I realized I would have to call the Chase Fraud rep back and get the IP address with the periods in it so that I could provide to the police. When I called back, I was transferred several times and the rep I finally spoke with said she did n't see ANY of this information. She forwarded my request on to the allegedly correct department and we have not heard back with this information.
Consumer complaint received 2024-01-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (VA)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.
Consumer complaint received 2021-09-09
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. (TX)

XXXX XXXX XXXX {$34000.00} Account Number XXXX Date Opened XX/XX/XXXX This account is from identity theft XXXX XXXX XXXX XXXX Amount {$2900.00} Account Number XXXX Date Opened XX/XX/XXXX This account is from identity theft XXXX XXXX  Amount {$7300.00} Account Number XXXX Date Opened XX/XX/XXXX This account is from identity theft Hard Inquires XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TEXAS XXXX XXXX
Consumer complaint received 2021-09-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC. (PA)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved.The XXXX Credit Bureau is reporting inaccurate information on CAINE & WEINER COMPANY INC Opened XX/XX/2017. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Consumer complaint received 2018-01-16
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. (FL)

XXXX XXXX XXXX IS A FRAUDULENT ACCOUNT ON MY CREDIT FILES IVE CONTACTED THEM AND THE CREDIT BUREAUS NOTIFYING THEM OF THE FRAUD. POLICE REPORT IS ATTACHED SHOWING THE FRAUD.