davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-09-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: WELLS FARGO & COMPANY (NJ)

Every transaction for the Wells Fargo issued credit card was transacted by XXXX XXXX, Founder and CEO, on behalf of XXXX XXXX XXXX. The card was issued under the name XXXX XXXX XXXX, yet Wells Fargo was already aware of the card 's intended use and the card was obtained for XXXX XXXX XXXX. XXXX XXXX has reported the incident to Wells Fargo to which the CEO contacted him recognizing there is an issue. XXXX XXXX did not engage in a phone call, as the correspondence with Wells Fargo already stated to never contact him with the only " legal '' option being account closure. The communication of only ( 2 ) messages is easily retrievable. Wells Fargo has now been calling up to ( 4 ) times a day with ( 3 ) times most days for multiple weeks. I would like them to never contact me again, but it seems they believe laws of the US do not apply to their organization. No other organization ( not just financial institutions ) has engaged in such incessantly intrusive and harassing activity.
Consumer complaint received 2018-09-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

This is regarding my XXXX XXXX Mastercard and Better Balance Rewards credit card by Bank of America. The accounts were opened in XXXX. I had completed my bonus sign up offer for the XXXX XXXX Mastercard. After the initial payment, there was a balance on the credit card. The creditor failed to send statements to my address and email address to notify me of this balance causing a negative report to appear on my credit reports. 

After calling and making the payment to the bank 's collections department, they assured me that there was no balance on the credit card and no further payments would be required. They assured me this more than once. After several months in XX/XX/XXXX, I received a notice from Bank of America in my mailing address that both my credit cards, XXXX XXXX Mastercard and Better Balance Rewards, were being closed due to negligence in payment. I called in and they told me that there was a balance of {$25.00} + late fees + interest on that amount on the XXXX XXXX credit card. I spoke to them that I had called earlier in the year to make sure there was no balance on the card since the payments were already late once. They said that there is nothing they can do and all negative reports will be put on the credit report. Due to payment negligence, they had closed both my credit card accounts without my permission or authorization and submitted a negative report to my credit file at XXXX, XXXX, and XXXX.
Consumer complaint received 2018-09-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (MO)

I have been a XXXX  for over four years now. As a XXXX, I qualify for the PSLF program. I have been making payments since 2014 on my student loan. Recently I found out that I was put into the wrong program for qualifying payments. After paying back about {$14000.00} dollars in student loans, It shows that I have only had 6 qualifying payments. SIX!! I did the math and based on my current monthly payments, it calculates to about 70 qualifying payments. I tried to call the phone number and they said that I wasn't in the correct repayment plan. They knew I was a XXXX and they placed me in the wrong program. I tried calling the Department of Education ; still no help. It's a shame that this company is the only option for PSLF because based off of all the negative reviews and complaints, they are taking  advantage of XXXX like myself and others. For a company to prey on the people that work in the public sector is a shame.
Consumer complaint received 2023-01-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (RI)

It is not 100 % accurate, and impedes on my privacy as a consumer and effects my credit worthiness tremendously. I've sent a formal letter to TransUnion and they have not completed the investigation of this matter within thirty days. I want the accounts in question removed asap.
Consumer complaint received 2019-11-04
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. (FL)

I sent a dispute letter demanding verifiable proof to unverified accounts on my credit report on XX/XX/19 and the letter arrived on XX/XX/19 according the tracking from USPS. The 30 days passed and I did not receive any response.

I sent a 30 day non response letter enclosing a copy of a letter that I mailed to the company via certified mail requesting they verify the alleged debt the company claims I owe. The tracking from the USPS shows the letter was delivered on XX/XX/19. It has been more than 30 days, and I have not received any proof that your company validated the debt.The non response letter was sent on XX/XX/19 and arrived on XX/XX/19. It has been more than 30 days again and my credit report has not been updated. 

All letters were sent with a copy of my identification documents as well as notarized form proving my identity. 

The company failed to respond to this validation request. A credit bureau is required to respond and complete the investigation within 30 days. They did do not respond within this time frame or respond at in my case so they must remove the negative listing disputed. If they do not, they are in violation of the FCRA
Consumer complaint received 2018-09-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AZ)

I am a victim of identity theft. My XXXX Mastercard # : XXXX issued by XXXX XXXX, XXXX XXXX XXXX, UT is lost/stolen. All of the transactions is fraudulent and unauthorized. My entire credit limit of {$1000.00} was used in a fraudulent and unauthorized manner. I never used my XXXX MasterCard. The fraudulent transactions dont belong to me.
Consumer complaint received 2023-04-02
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (WY)

I've been getting notice from Exxon card through Citibank that my payment was due. So I'd get on my account and pay direct from my bank. I was setup for autopay but assumed if payment had been made it wouldn't be taken out again. On their FAQ sheet it specifically states that if you make a payment and then autopay is withdrawn, the account will be credited. I see I've been double charged for XXXX a {$140.00} on XX/XX/XXXX, then autopay of {$130.00} on XXXX XXXX {$60.00} on XX/XX/XXXX then autopay of {$60.00} on XXXX XXXX I may have been charged 4 times, {$110.00} XX/XX/XXXX, {$34.00} XX/XX/XXXX, {$33.00} XX/XX/XXXX and {$33.00} XX/XX/XXXX. I called to sort this out with an agent. I ended up getting a supervisor " XXXX '', wouldn't provide last name. I asked that my account be credited. She said she wouldn't that I need to dispute the charge. This despite being contrary to their written guidance as to overpayment supposed to be credited to account. I may well have been overcharged for previous months as well but they delete that information from their site. This nothing short of criminal.
Consumer complaint received 2021-12-27
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: Convergent Resources, Inc. (TX)

XXXX turned my bill over to convergent outsourcing after I sent 13 emails and spoke to numerous people. Convergent has reported this six times to the credit bureau. Some were two to three days apart. They call prior to XXXX. They never sent me any notice. I am working with XXXX  to resolve this issue. XXXX has one total and the collection agency has another.
Consumer complaint received 2017-08-11
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)

I have sent a letter regarding identity theft and disputing the following accounts and I have yet to hear back from the credit bureau.
I am a victim of identity theft and have included a police report with this dispute. Items I am disputing are : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX
Consumer complaint received 2024-05-17
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Chime Financial Inc (TX)

Dispute I'd number XXXX XXXX XXXX Escalation priority Dispute team Chime still state no error occurred but when asked what evidence was used and if my documentation was reviewed I could not get a response Chime still thinks these transactions are legitimate and I have provided documentation and a voicemail where she states she took the money and is not giving it back. She last Friday I had to change my password so many times the account locked. 

I had to resubmit my disputes and they email me and so no error that just means you were not thorough Thank you they train your courtesy skills very well but I am pass that now I resubmitted all my evidence and have advised you that I opened a dispute with the Federal Trade Commission I have provided you with the case number for that now just a couple of quick things One of last calls today was received by a XXXX or XXXX who basically said he would reopen dispute and that is I can do is wait for department which is XXXX XXXXXXXX who does not have a organization chart or list but XXXX does I copied chimes Ceo and XXXX ceo to if we can get my money back today and please tell XXXX I didn't have to wait to do something Now please resolve issue today
Consumer complaint received 2020-10-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL (NY)

There is a fraudulent account on my credit report that has become egregious and is not mine. I do not know who used my name or how this came to be a debit of mine. It is a debt from SYNCB/XXXX, I cant say this more emphatically, I have never had a SYNCB/XXXX  account in my life and could you please remove this immediately. Also, I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report. As per section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. There is no such document because this isn't my debt so please remove ASAP
Consumer complaint received 2020-09-21
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)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$3000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNT -- 1. XXXX XXXX XXXX with ACCT #  XXXX opened on XX/XX/2019 with a balance of {$3000.00} -This is not my account.
Consumer complaint received 2018-09-19
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: JPMORGAN CHASE & CO. (NY)

I had a Washington Mutual HELOC that I paid off in XX/XX/2009. The satisfactory of Mortgage that WaMu submitted to the XXXX County Clerk office had the wrong Section, Block and Lot number. I reached out to Chase and they haven't helped me. My chase case # XXXX. I have requested for them to change the section, block and lot number and re submit to the XXXX County Clerk. Im selling my house and there is a lien on the title. This bank error is costing my money. SO far, Chase has done nothing to help me. I need to get this lien ( that I paid off years ago ) taken off my title so I can close on my house. Thank you for your help.
Consumer complaint received 2017-08-11
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I recently tryed to apply for capital one 360 custermer service told me I already had a account. I never had a capital one 360 and want something to be done about this account under my name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ny XXXX Ssn XXXX XXXX XX/XX/XXXX
Consumer complaint received 2020-10-22
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: Lending Club Corp (WA)

I had a personal loan with Lending Club that was closed without any communication. I've been a client with Lending Club since XX/XX/XXXX. My first loan was Acct # XXXX for $ XXXX. I paid that loan on time, never had a late payment, and paid it off in full on XX/XX/XXXX. 

I applied for a second loan on XX/XX/XXXX. The loan was approved, loan # XXXX, loan amount of {$34000.00} and fully funded on XX/XX/XXXX. I also paid this loan on time every month until I because severely physically ill in XX/XX/XXXX. Due to my illness ( which I believe was early Covid ) was unable to work and my income was severely impacted ; I wasn't able to work and because I'm 100 % commission, I IMMEDIATELY contacted Lending Club to inform them of my health issues ; to let them know my income was impacted, that I was anticipating hardship and see if they had any programs to assist me when I was no longer capable of making the payments on time. But the only option they gave me was a 15 day grace period which is standard procedure under any situation. I called them once or twice per month seeking help and asking for guidance all while struggling to make timely payments. I was able to continue making on-time payments up until end of XX/XX/XXXX and by this time the pandimic ( Covid ) hit like a nuclar boom! In spite of my health, a major hit to my income and the announcement of Covid, I still endeavored to make payments. 

In spite of my steller payment history, fully paying off my original loan # XXXX, constant communication, request for assistance, the announcement of a world pandemic, Lending Club didn't offer me a helpful solution until XX/XX/XXXX! By this time I have little to no income, I've exhausted my savings, getting food from the food bank, etc. I was at the end of my rope! Then unbeknownst to me they charged off my loan and sold it to a third party company XXXX ( collections ) XXXX without contacting me at all!! I only found out because I was trying to call in to make a payment and they told me I was unable to pay because my account was closed. 

I'M EXTREMELY UNHAPPY ABOUT HOW I WAS TREATED. I WASN'T TREATED FAIRLY ESPECIALLY FOR MY PAYMENT HISTORY, ATTEMPTS TO WORK TO KEEP THE ACCOUNT CURRENT AND PAID, ALL MY COMMUNICATIONS TO LENDING CLUB, PERSONAL HEALTH ISSUES AND ABOVE ALL OF THAT A WORL WIDE PANDIMIC! THIS HAS SEVERELY IMPACTED MY LIFE AND IT WAS NO FAULT OF MY OR DUE TO ME BEING IRRESPONSIBLE! I ASKED THAT YOU PROTECT ME AS A CONSUMER. 

Thank you!
Consumer complaint received 2023-01-31
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: SANTANDER HOLDINGS USA, INC. (UT)

Chrysler Capital is reporting a charged off debt amount that I just don't understand. My contract stated that I was supposed to be done paying my car however, we did end up putting an additional month towards the end due to a skip a payment option. However, my last payment to them was XXXXXXXX XXXX XXXX That is what the contract said and I don't understand why they continue to report a charged off balance.
Consumer complaint received 2019-11-04
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (TX)

On the dates of XX/XX/XXXX, XXXX, and XXXX, the amounts of XXXX ( {$110.00} ), XXXX ( {$130.00} ), and XXXX ( XXXX ) were sent to the merchant via PayPal. 

The seller had requested additional payments after meeting the price we agreed on. ( The person had also insisted that I send the payment to them as friends & family. Presumably to omit my buyer protection rights. ) After the 3rd payment was made to them, I didnt hear from them for a few days - no updates as I requested, or as they agreed. 

Later on they contacted me again, requesting a 4th additional payment. I then realized that I was being scammed, and made to file this report. 

I have already informed PayPal, who also requested extending this issue to you, consumer protection. 

The seller had previously agreed to refund my money, and cancel the order/service. But are now refusing. I feel like the victim of a scam.. 

Please help me resolve this issue. Thanks.
Consumer complaint received 2023-01-24
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. (TX)

I did not apply for this XXXX XXXX credit card from XXXX to XXXX. The account # is XXXX. Someone else did this which is this fraud and theft. This needs to be remove from my credit report immediately.
Consumer complaint received 2020-10-12
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. (FL)

After carefully reviewing XXXX   XXXX  XXXX this was opened by my ex-wife and sent to her XXXX XXXX this was not opened by and is not my debt.
Consumer complaint received 2020-10-22
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO. (MO)

I called the general customer service number about my issue & was treated in a way that's not consistent with Chase Bank customer policy. Not only was I bounced around by several departments that either didn't want to address the issue or didn't know how to handle the issue they were extremely unprofessional. I finally had a chance to ask for a supervisor & she purposely put me on hold for over an hour.
Consumer complaint received 2017-12-26
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. (KS)

In XXXX, XXXX I was filling out applications for employment at XXXX XXXX when their databases were hacked. Those who used the XXXX XXXX site received notices to contact all ( 3 ) Credit Bureaus and request a long term freeze and fraud alert for their credit bureau files. I wrote letters to all ( 3 ) credit bureaus with the information the XXXX XXXX gave me and a request for a fraud alert, freeze, and removal of the fraudulent data. All three wrote me back and confirmed these requests, however, on XXXX XXXX, there was a fraudulent request for credit on my credit report and my updated address ( XXXX XXXX XXXX XXXX, XXXX, KS XXXX ) and the removal of my old phone # ( XXXX ) XXXX had been taken care of. But they did not put the freeze on and they allowed someone to put a hard hit on my credit report for XXXX XXXX in XXXX XXXX, Californiia. They allow people to pull without reason from citizens ' credit reports. Please help me!!!
Consumer complaint received 2017-12-26
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: Early Warning Services, LLC (GA)

XXXX XXXX XXXXXXXX has placed me in XXXX XXXX and or Early Warning XXXX due to ATM Fraud that took place on this account. I called in and spoke with a XXXX XXXX XXXX agent who was to proceed with fraud investigation on this account which would 've been the second time I 've asked for an investigation. I have asked XXXX XXXX XXXX to send the proof and or information on this account and I have yet to receive any documentation or investigation results. This incident was in XXXX.
Consumer complaint received 2017-08-11
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: CITIBANK, N.A. (IL)

I applied for an aadvantage gold credit card with citibank that advertised a promotional offer of XXXX  bonus miles for spending {$750.00} within the first 3 months. I spent well over the required amount within the first month. More than 3 months later and I still have not received the bonus.
When I contacted citibank I was told I had received the promotion previously and was not eligible. I have never had an aadvantage gold credit card before.
I would like my bonus miles and an apology for false advertising.
Consumer complaint received 2020-10-12
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The CMI Group, Inc. (KS)

In XXXX I closed an account with XXXX/XXXX  XXXX. At the time, I paid off all money owed on the account and it showed a {$0.00} balance. The account was closed. I later confirmed through my online portal that the account was closed and had a {$0.00} balance. 

After being contacted by the agency, I confirmed with XXXX/XXXX  XXXX through their support department that I had properly closed the account, had owed no balance, and still owed no balance. I also confirmed that they had not attempted to contact me about any past-due balance. 

The Company says they verified the debt with XXXX XXXX, but provided no documentation of such.