davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: JPMORGAN CHASE & CO. (CA)

My girlfriend and I were going to XXXX but coming back on different days. I nevertheless purchased her return ticket on XXXX for XX/XX/XXXX. Unfortunately, on XX/XX/XXXX, she got word that her grandfather in XXXX has maybe XXXX hours to love and she needed to come home ASAP. I was able to get a flight credit for the original trip she was supposed to take on XX/XX/XXXX but it could 1 ) only be used by her ; 2 ) could only be used on United ; and 3 ) could not be redeemed any other way than by calling into their call center. Annoying but, to this point fine. 

When she called to book her flight home from DC she was first on the phone for over an hour before patching me in to get authorization. After another XXXX minutes, the rep told us the site was actually under maintenance and hes call us back. However, he assured us my verbal authorization would be fine for when my girlfriend spoke to him later without me. 

He never called back and she spent another hour and change on the phone before being told my prior verbal authorization was insufficient.. 

Finally, after another two and a half hours on the phone, I was able to purchase the ticket for her. Or so I thought. 

When we got to the airport for our return trip from DC, we went to the XXXX XXXX and put in the confirmation code shed received via email only to get an error message. After waiting in line for a human, we were told her booking did not exist - confirmation email from Chase or not. Of course, Chases booking phone number was also closed so bo relief there. Eventually, we had to split up as I had work the following morning on the XXXX XXXX and she did not. She was able to get a later flight using her own card but did not get home until close to XXXX a.m. 

The next day, it took another almost three hours on the phone to get them to at least say theyd issue a refund and an almost insultingly low {$50.00} in points for the almost XXXX XXXX  of wasted time but to mention unimaginable stress at the worst possible time. 

The kicker/ as of now, neither the refund nor the points even show as processing in my account yet. 

It should also be noted that, at every stage, we made it clear exactly what this trip was for and just asked to please get get help in this awful situation. I guess those pleas just fell on deaf ears.
Consumer complaint received 2021-12-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I have multiple business and personal accounts with Bank of America and have for XXXX years. On XX/XX/2021, I was told that XXXX of my vendor 's checks were returned for XXXX of my businesses ( XXXX XXXX XXXX, XXXX ). I immediately logged into my online account and discovered all of my business 's funds had been removed. I called BofA and they said they could not give me information about what had happened over the phone so I would need to go to a branch. I went to a branch and was told they could not give me any information and that I would receive a letter in the mail from BofA but they said it might be an IRS levy. I then called the IRS who said they did not levy my account. I then discovered that a former partner in the business ( who was a partner at the time ) had his attorney send a letter to BofA requesting the account be frozen. This was discovered by my attorney contacting my former partner 's attorney and not through Bank of America. Bank of America never provided a copy of the letter or even acknowledged that was why they froze my account. 

After some back and forth, the former partner and I executed legal documents for him to exit the business leaving me as the sole owner of the business on XX/XX/XXXX. This has been communicated to BofA by my former partner 's attorney, my business 's attorney, my former partner, and myself on multiple occasions. BofA keeps giving me and my attorney the run around and changing what they want to unfreeze the account. I have provided documents to them on multiple occasions via email and via having a branch employee fax their legal department the documents. I have provided everything they need and more and they have not requested any other documents. They have the separation agreement and the amendment to the company agreement showing the former partner exiting the business and leaving me as the sole owner and manager of the business. Despite this, they have asked for the former partner to be added to the account as a signer which is completely improper and I believe illegal as he has no legal rights to the business or the business 's assets. I have asked to speak with someone at BofA that has the authority to unfreeze my account on multiple occasions but have been told each time that the bank can not give out that information and they would pass on my request for someone to contact me. Despite these multiple requests, I have not been contacted by anyone with any authority to handle this matter or provide information about how to resolve it. It has now been XXXX months and my account is still frozen. I have also contacted the XXXX XXXX XXXX to file a police report for what I believe at this point to be the theft by Bank of America. I would appreciate any help you can give in resolving this issue and Bank of America 's shameful actions and continued refusal to unfreeze my account or provide any means to get this accomplished.
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

I received a letter from Experian stating that their investigation of my dispute for XXXX # XXXX And XXXX  # XXXX was completed and verified and updated. I received my credit report and the date last reported hasn't changed from XX/XX/XXXX and XX/XX/XXXX respectively. I question that an investigation has actually taken place! The date last reported should reflect this year, the year of my dispute that they reference in their letter.
Consumer complaint received 2021-05-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Santander Consumer USA Holdings Inc. (FL)

Hey i am still waiting on a response regarding a file of Incorrect information I disputed last month. I know it's been over 30 days and I don't have any investigation Results.
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 status incorrect
Company: Experian Information Solutions Inc. (TX)

XXXX XXXX of XXXX XXXX, XXXX and XXXX XXXX XXXX On XX/XX/XXXX I acquired a lease with XXXX XXXX XXXX for 36 months. On XX/XX/XXXX I paid the lease in full. I received the title in the mail. On my credit report it stated my account was paid in full and closed effective XX/XX/XXXX. On XX/XX/XXXX I received an alert for a negative factor on my credit report for {$46.00}. I never received any letter concerning this balance. But this was put on a closed account on my credit report that is now open again. This has drop my credit score a XXXX points. I have tried contacting them about this matter and nothing has been resolved.
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 status incorrect
Company: EQUIFAX, INC. (TX)

XXXX XXXX of XXXX XXXX, XXXX and XXXX XXXX XXXX On XX/XX/XXXX I acquired a lease with XXXX XXXX XXXX for 36 months. On XX/XX/XXXX I paid the lease in full. I received the title in the mail. On my credit report it stated my account was paid in full and closed effective XX/XX/XXXX. On XX/XX/XXXX I received an alert for a negative factor on my credit report for {$46.00}. I never received any letter concerning this balance. But this was put on a closed account on my credit report that is now open again. This has drop my credit score a XXXX points. I have tried contacting them about this matter and nothing has been resolved.
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 status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX of XXXX XXXX, XXXX and XXXX XXXX XXXX On XX/XX/XXXX I acquired a lease with XXXX XXXX XXXX for 36 months. On XX/XX/XXXX I paid the lease in full. I received the title in the mail. On my credit report it stated my account was paid in full and closed effective XX/XX/XXXX. On XX/XX/XXXX I received an alert for a negative factor on my credit report for {$46.00}. I never received any letter concerning this balance. But this was put on a closed account on my credit report that is now open again. This has drop my credit score a XXXX points. I have tried contacting them about this matter and nothing has been resolved.
Consumer complaint received 2021-12-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (GA)

Wells Fargo account no. XXXX was established in XX/XX/2021 and during its initial months of XXXX and XX/XX/2021 incurred no monthly service fee. Now, a monthly service fee of {$10.00} was assessed in both XXXX and XX/XX/2021. 

Surprising that the bank is able to impose discretionary fees on its customers after the fact. Given the banks own financial performance, less surprising is the fact that they elect to do so,
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 reviewed a copy of my credit report and I show company XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) account number XXXX is listed as non-verified account. I have attempted on several times to have this account reviewed with no luck. I have been violated per the FRCA and FDCPA. I will need help for deletion of this account due to attempting to purchase a home.
Consumer complaint received 2021-05-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: T.S. Holdings (VA)

My credit was pulled back in XX/XX/2020 10 times dates being XX/XX/20 twice on XX/XX/2020 twice in XX/XX/2020 once XX/XX/2020 once XX/XX/2020 once XX/XX/2020 once XX/XX/2020 and once XX/XX/2020. I found this out by checking my credit report ( in which I do twice a year ). After seeing that, I put a lock on my credit. 5 Months later I get a notification on my report stating I owe {$8000.00} from a company named XXXX XXXX XXXX XXXX. Ive never heard of this company before! I called the collections ( IQ DATA INT ) and got there information for a dispute and they told me I owed this money immediately for an apartment with an address of XXXX XXXX XXXX XXXX XXXX XXXX XXXX! I told them I went through identity theft and do not live in that area at all and have a police report! they told me that it doesnt Matter I signed papers etc ... ( XXXX was the representative I spoke to ). I explained that I never signed anything Ive been living at my current address for 3 years. I got their information which is XXXX XXXX XXXX  XXXX  XXXX. XXXX XXXX XXXX  XXXX XXXX, WAXXXX ( XXXX ) XXXX ) is XXXX XXXX XXXXXXXX address. I then proceeded to call experian and they told me to contact this website for fraud reporting. Please what can you do to help remove this fraudulent activity off of my credit and restore my points?
Consumer complaint received 2018-10-18
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. (NY)

Citi Bank A/C # XXXX XXXX XXXX XXXX I had tried Numurious time to resolved these late payments, but i failed they are reporting 30 days late payment on XX/XX/2016 which was never late.this effecting my life i am in contract for buying a house can't get a mortgage because of this incorrect late payment.
Consumer complaint received 2021-05-06
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Risecredit, LLC (CA)

I signed up for a loan pre-COVID and have made regular payments on-time to Rise Credit. When the pandemic happened, I lost my second job and reached out to Rise for additional help. They deferred a few payments but the annual interest is 220.68 %, which I recognize I agreed to when I signed the loan agreement. However, when I contacted them recently to come up with a resolution they told me that they can't refinance because the system is automatic and will offer me to refinance when the system allow it to. 
I currently owe {$4000.00} ( principal {$2400.00} ) When I told them I would pay {$1000.00} off per month to help bring the balance down, they said I could but that it could go back to the $ XXXX amount, which seems odd to me because I'm paying the balance down.
Consumer complaint received 2021-12-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P. (GA)

I was contacted by Resurgent Capital and told that if I paid the agreed amount that they would remove the debt from my credit report and cease all legal actions. I paid as agreed and have sent them copies of the cashed check via fax and by mail. They still have yet to honor the said agreement. As I continue to get requests to settle said debt and it is still reporting to all three credit bureuas.
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: FC HoldCo LLC (NC)

During the early stages of the Covid pandemic, I experienced an income loss that temporarily prevented me from making an auto loan payment on my active loan with Flagship Credit Acceptance. Through the CARES ACT, I was granted a temporary forbearance, and I have since resumed payments and brought the loan current. However, despite that, Flagship Credit has continued to report to the credit bureaus that my auto loan payment has been late since 2020, and continues to report the account late today! According to the CARES ACT, none of these delinquencies should have even reported to begin with. I have asked Flagship Credit Acceptance to correct my pay history on several occasions, but they never take any action to correct the matter.
Consumer complaint received 2019-08-17
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Global Credit & Collection Corporation (GA)

Global credit and collection Corp took post dated funds out of my checking a account a week before the agreed date. I had called Global at the end of XXXX  and requested they take three payments out two of them being XXXX and the last payment being XXXX. They were to start the deduction on XX/XX/2019 and it be biweekly so the second payment t was to be on XX/XX/2019 and the last payment onXX/XX/2019. Global took the first payment out has agreed but the second payment was deducted on XX/XX/2019. I did not receive a notice regarding this until XX/XX/2019. This notice came in the mail with my XXXX  XXXX  documents and it does not have a post date on the envelope. The funds were withdrawn from my checking account on XX/XX/2019. Even the manager and representative said it was in their notes to deduct on XXXX and they didn’t know why it deducted on the XXXX the manger I spoke with said it was human error. I also know per the FDCPA they are not to deposit funds from a post dated payment early and have to send the intent to deposit letter 5-9 days before the deposit. Global has violated two regulations of the FDCPA. Since they did this I did request them to return my funds, which they did, and wipe the debt clean and be as paid in full, remove from my credit report, and send me a paid in full letter. Which they refused to do. I would like this company to be held accountable for not following FDCPA
Consumer complaint received 2021-12-03
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. (GA)

I have a lot inquiries on my credit report, I sent I called Equifax about 8 times over the last XXXX months about these inquiries. I sent in my FTC report to them along with my identification as requested. Every time i call and follow up about the inquiries they tell me they don't have any documentation on file for me. I am fed up with the XXXX that they are pulling! They are not intentionally keeping these items on my credit report to continue to make money off of these negative remarks while i'm over here being abused and getting denied for thousands of dollars in credit. I asked for an investigation to be launched to find out what is happening to my documents that I am sending them and they tell me they don't have access to the back office to look for it. What XXXX back office? How the XXXX can someone add these things to my report with no problem but when i call they give me the hardest time about my XXXX. I spoke to XXXX XXXX ID XXXX the department supervisor and he states that there is no other way for them to assist me without a FTC Report on file. He also stated that he can not investigate what happened to my documents and that the FCRA requires the FTC report in order for them to delete the inquiries which is a XXXX XXXX lie. There is no way that they did not receive not XXXX of my XXXX copies of my FTC report! Are they throwing them out? is this a tactic to continue to prey on consumers that work hard to make a living?
Consumer complaint received 2021-05-06
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

The problem is that my account was closed for absolutely nothing that I did wrong! I have the evidence to prove that I have paid my bill consistently on time for over a year. My bill was due on the first every month until they changed it to the XXXX after closing my account. On XX/XX/XXXX I went online to pay my Kohls bill and was not allowed to do so. My available balance was reduced to zero and my account was closed. I looked at my payment history and saw something called a Merchandise finance charge refund dated XX/XX/XXXX ( which is why I assume they changed my due date to the XXXX ) which I did not understand. I called Kohls the same day ( XX/XX/XXXX ) to find out what was going on and they told me it was because I filed for bankruptcy which I have never filed. I complained that there had to be some misunderstanding or misinformation, I have never filed for bankruptcy and I have always paid my bill on time. They said that they would look into it and submit it to a review process and to check back in approximately ten business days. I called back on XX/XX/XXXX and someone ( ID XXXX XXXX told me that something was filed on XX/XX/XXXX to reverse the charge out. I allowed more time for this to play out. I called again on XX/XX/XXXX and was told by someone ( ID XXXX XXXX that A letter was sent to me on the XXXX requesting income information and that this information would allow them to reopen my account. I received a letter on XX/XX/XXXX saying only that my account was not able to be reopened due to " missing income ''. The letter did not request any information from me. After receiving this letter I made a second call to Kohls that day to tell them that the letter they sent me did not request anything and I could not understand why I couldn't just tell them what they needed to know over the phone. The person I talked to ( ID XXXX ) told me that I should wait for a second letter! I told them my patience was running out. It's been over a month. Today is XX/XX/XXXX and I have yet to receive a second letter, my account is still closed, and my available balance is still XXXX. I'm still making my payments in spite of them closing my account and charging me a late fee for them not allowing me to make my XX/XX/XXXX payment on time! Please help!
Consumer complaint received 2021-12-03
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I filed a claim with bank of America XXXX XXXX  for theft of my first card and they auto denied my claim.i never received my first card because someone stole it and used all my XXXX XXXX.all the transactions that before XX/XX/XXXXare done by whoever stole my card.when I found out that I can file a claim and I filed the claim.i just received a letter from them saying that they denied my claim.they don't have no reason to deny but still they did.i even told them that m ready to provide them with whatever they want but they are not listening.when I ask them the reason then they don't have any answer.so please help me with this.i never received any help during the covid and now when I found out that I can get my money back they rejected my claim.so plz help me out with this I will be really grateful.thank u
Consumer complaint received 2019-08-19
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. (MD)

The following accounts need attention:XXXX XXXX XXXX Amount $XXXX  Date Opened - XX/XX/XXXX, XXXX XXXX $XXXX  Date Opened - XX/XX/XXXX, XXXX XXXX  $XXXX  Date Opened - XX/XX/XXXX, XXXX XXXX  $XXXX  Date Opened - XX/XX/XXXX, XXXX XXXX  $XXXX  Date Opened - XX/XX/XXXX, XXXX  $XXXX  Date Opened - XX/XX/XXXX, XXXX  $XXXX Date Opened - XX/XX/XXXX,XXXX XXXX XXXX  $XXXX Date Opened - XX/XX/XXXX, XXXX XXXX XXXX  $XXXX  Date Opened - XX/XX/XXXX, XXXX XXXX  $XXXX  Date Opened - XX/XX/XXXX, Chapter XXXX Bankruptcy REMOVE - Date XX/XX/XXXXThese accounts do not belong to me.  I have contacted all 3 credit bureaus and they have not removed the items listed above from my credit reports. They must be removed IMMEDIATELY. I asked the credit bureaus to furnish proof , provide signatures on any of these loans and they have not.  I will file a law suit of they do not remove these items IMMEDIATELY.