davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-29
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. (MI)

I sent a letter multiple times to XXXX, Experian, and XXXX. Here are my tracking numbers : USPS Tracking XXXX, USPS Tracking XXXX, USPS Tracking XXXX, USPS Tracking XXXX, USPS Tracking XXXX, and USPS Tracking XXXX. However, it has been more than 30 days and I have not received a response regarding my investigation. The status date on my credit report has not changed, which means they are clearly not investigating the accounts. 

I am aware of my consumer rights and demand that all accounts that are negatively affecting my credit rating and violating my consumer rights be removed or blocked from my credit report. I will pursue damages for each account that is in violation if not updated.
Consumer complaint received 2023-03-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

XXXX XXXX XXXX is making me liable for an account my father signed on an auto loan. I as XXXX XXXX XXXX did not signed a contract on XX/XX/2016. The contract the company sent back with the contract and signature, that is not my signature it is my fathers so I should not be liable.
Consumer complaint received 2018-07-27
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (FL)

I bought a Nissan Altima XXXX in XX/XX/XXXX for my son. The car was totaled in XX/XX/XXXX. My insurance and Gap insurance Paid the loan. Through the same loan, the dealer was paid for maintenance for four years. Even though the dealer was paid for maintenance services that was never redeem, Nissan Motor Acceptance Corporation send me a bill without total the amount of money received from the insurances and the refund paid for maintenance services against the loan amount. 

When I contact them and asked for an itemized bills showing what was paid against the loan among, the customer agent get frustrated and said that I should accept that I own them and send me a letter without showing how they come with the total of the bill.
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: CAPITAL ONE FINANCIAL CORPORATION (IL)

XX/XX/XXXX, I enrolled in a Debt Consolidation program with XXXX XXXX XXXX. There were 4 credit cards rolled into the program. Capital One & XXXX  XXXX XXXX respectively. 

As of XX/XX/XXXX, I began making payments with XXXX debt program with the impression that my accounts were negotiated and that everything was being handled accordingly It was only until XXXX of this year XXXX, after reviewing my credit report, that I realized, ONE of my Capital One Credit Cards was marked LATE three months in a row. 

XXXX, XXXX, XXXX of XXXX, were counted as consecutively late, on only ONE of CAPITAL CREDIT CARDS When I tried contacting Capital One to ask the reason, they said I had an outstanding balance during XXXX, XXXX, XXXX of XXXX. However, to my dismay, I was NOT alerted by CAPITAL ONE, nor XXXX XXXX XXXX of the past due status. 

Had I been made aware of it at that time, I would have paid the PAST DUE BALANCE, immediately. In asking for a positive resolution, CAPITAL ONE told me to defer to XXXX. 

The same day, I contacted XXXX XXXX XXXX to try to clarify the situation. XXXX XXXX confirmed that the payments were being made to CAPITAL ONE on a timely basis. That there must have been some lapse between months. 

In essence, I have the two companies pointing the finger at the other. While both tell me it's not their problem to fix. And I am now stuck with an adverse CREDIT SCORE, because of it. 

I was making a concerted effort to FIX my CREDIT, not destroy it. PLEASE HELP ME
Consumer complaint received 2019-08-18
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Trans-Fast Remittance LLC (AK)

Hello, I used the money transfer service of Transfast for the following transactions : Transaction Number Date Amount XXXX XX/XX/2019 {$380.00} XXXX XX/XX/2019 {$210.00} XXXX XX/XX/2019 {$260.00} I was notified that these transactions were successfully completed however, my relatives still have not received the money on their accounts. Sadly, when I call the customer service, they either hangup the phone, complaint that that I am frustrated or put me on indefinite hold. 
I suspect the Company Transfast may have started as a legitimate money transfer and now including some sort of scams in their business. 

I need help recovering my money the soonest possible. 

Thank you
Consumer complaint received 2017-12-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Protection Association, L.P. (FL)

my identity was stolen i want this to be remove from credit report thank you Open Type -- Responsibility Individual Remarks Placed for collection Original Creditor Name XXXX XXXX XXXX CHECK DISPUTE STATUS Creditor Information CREDIT PROTECTION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX
Consumer complaint received 2021-12-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (GA)

FOLLOW UP TO PREVIOUSLY SUBMITTED COMPLAINT. 

Chase did not read complaint and called to " meet a service level '' and/or " check a box ''. 

First, they contacted my spouse and not me. 

Second, they called a different number than I provided to discuss the complaint. 

Third, spouse was provided a " download '' of process and next steps. 

They did not read this issue nor create time to discuss with me. I know there is a pending dispute. I know it takes time. I know it needs to be reviewed and investigated. 

What they are failing to discuss, acknowledge or accept responsibility with is the fact that they failed to protect me, the created a delay, there is no ownership and this unauthorized charge has been floated back and forth between disputes and fraud creating a delay. 

They also mapped this charge to a card number that was reporting missing/lost. 

I promptly called back and have not received a return call. 

My spouse got the impression that we will hear back when the investigation is completed. 

THAT IS NOT THE CRUX OF MY CONCERN AND COMPLAINT. 

I am working to resolve this based on the detrimental reliance they have placed on me.
Consumer complaint received 2021-12-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

In XXXX when the bank did something I didn't ask for I closed all my accounts with them including my credit card at which time I paid it in full. see copy of lettering enclosed apparently they've been compiling interest since on a zero balance and when I call them to take care of it they claim there's interest due because it compiled daily until it's paid seems like a issue with their system
Consumer complaint received 2020-09-07
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. (CA)

Ive been having a problem with equifax where they will not update my credit score at all! Ive called them many times, I am also unable to login to their website. Ive even faxed and mailed my information, including social security number, billing address, 3 forms of government ID, utility bills, everything and they dont even try to help me. I have 4 different accounts that should have been removed because Ive filled disputes with and the results ended up with them removing the accounts from my credit reports expect for equifax. They also arent reporting my new credit cards either. I will provide screen shots of the accounts that need to be removed and proof that theyre removed from my other accounts.
Consumer complaint received 2021-05-06
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (FL)

On XX/XX/2020, I opened an XXXX store and a PayPal account to begin selling consumer products online. My store quickly gained popularity and I began making an abundance of sales. PayPal informed me that they had to limit my account and hold my funds for 180 days since the products I was selling were at risk products. All items were shipped with tracking numbers and were successfully delivered ( as per PayPal policies request ). 
On XX/XX/2020, PayPal withdrew my money ( which was {$3000.00} to be exact ). They closed my account and I had no way of contacting them due to COVID. The only feature they had available was the customer service chat which I could not use because according to the automated message, my account was limited. I have tried contacting them various times after that but have continuously been told that theres nothing they could do about it. They have my kept money ( even after having proof of the items being delivered ), and I need to recuperate as I did not authorize them to do so. It has been way past the 180 days and I have yet to see, hear, or be able to get any information on what occurred.
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 — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}. 
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 ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Consumer complaint received 2022-04-27
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: COLORADO HOUSING AND FINANCE AUTHORITY (CO)

I went into forbearance back in XX/XX/XXXX and it ended in XX/XX/XXXX and was advised to make some kind of payment while I was In the process of modification of my mortgage, but if I couldn't not worry about it. Signed the paperwork for the modification in XXXX of XXXX, sent it in and was waiting on notification of the approval. Called XXXX in XXXX of XXXX for an update on if the modification was approved and was told it was still being processed that I would receive notification in the mail shortly. Called again over the next several weeks and months all the way thru XXXX. Finally got the notification of approval at the end of XXXX. By this time the mortgage was now behind for 4 months and they were demanding payment. I've tried several times to explain to chfa what was going on and most of the time they either don't answer the phone or dont call back when I leave a call back number. When I am able to get someone on the phone it is as if I am XXXX and don't know what I am talking about and that I should have been making payments regardless if I had an approval or not.
Consumer complaint received 2017-12-23
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (OH)

My credit card account was hacked and used to make a payment to paypal. My credit union notified me of this the next day and I filed a dispute with Paypal but they did not give me an option for Malware attacks. Paypal awarded the claim to the hacker and does not give me the option to refile a dispute. In other words the hacker got away with this due to a flaw with Paypal.
Consumer complaint received 2022-04-27
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FIFTH THIRD FINANCIAL CORPORATION (OH)

I was scammed through XXXX XXXX on XX/XX/XXXX. A person claimed to send me money for an item through XXXX ( {$300.00} ). I then got a fake email from XXXX saying to receive this amount I must upgrade to a business account by having the customer send XXXX {$200.00} and then I send it back. Never using XXXX before I sent the {$200.00} back to the fake account and received no credit. I received no goods or services I was simply scammed by fake accounts. My bank denied the dispute that I opened after sending emails and messages to them regarding this transaction.
Consumer complaint received 2022-04-27
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY (PA)

On XX/XX/XXXX I reported account fraud with XXXX XXXX XXXX. 

This is a second fraud attempt to open an account with Wells Fargo on XX/XX/XXXX. 

They used my Social security number and XXXX  Drivers License Police report filed Credit reports all locked
Consumer complaint received 2017-12-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BB&T CORPORATION (FL)

I tried opening a bank Account back on XXXX XXXX, XXXX with XXXX XXXX. However, when they pulled my consumer report, it showed up that I have had 2 prior bank accounts with BB & T from XXXX XXXX & XXXX XXXX XXXX within a month or so of one another which these accounts were BOTH OPENED ONLINE FRAUDULENTLY!! 

I contacted both banks, personally, once receiving a letter in the mail regarding a check in the amount of {$6000.00} plus dollars, was attempted to be deposited into the account via the web or app picture submittal on the newly opened bank account. This check came back as a Fradulent check & was returned! 
I HAD ABSOLUTELY NO IDEA UNTIL RECEIVING A NOTICE BY MAIL OF THE ACCOUNT EVEN BEING OPENED!! 
Not even a month or 2 later, they opened another account online with XXXX XXXX XXXX Exact SAME WAY, online. Attempted to deposit EXACTLY THE SAME CHECK VIA THE APP ONCE AGAIN. JUST THREW A NEW BANK ACCOUNT THRY OPENED ONLINE WITH A NEW FINANCIAL INSTITUTE!! 
Once again I received a notice by mail of the RETURNED FRADULENT CHECK which was written off a bank account from Over seas!! 

Anyways, I immediately went to each bank, and closed each account, IMMEDIATELY AFTER RECEIVING THESE MAILED COMMUNICATIONS IN BOTH INSTANCES!! 

In both instances, the financial institutions NEVER GAVE ANY MONIES TO THE ACCOUNTS OPENED. IN BOTH CASES. THEREFORE THERE WAS NEVER ANY MONETARY VALUE FOR EITHER INSTANCE. 

SO ONCE VERIFYING MY IDENTITY AND THE FRAUDULENT OBTAINED ACCOUNTS AND EACH INSTITUTION COMPLETED THEIR OWN FRAUDULENT INVESTIGATION. I WAS CLEARED OF ALL WRONG DOINGS IN BOTH CASES. AND TOLD I HAD NOTHING TO WORRY ABOUT!! 

Now, THESE EXACT TWO FRAUDULENTLY OBTAINED ACCOUNTS OPENED IN MY NAME ILLEGALLY ALL THIS TIME AGO. IS CURRENTLY PREVENTING ME FROM OPENING UP ANOTHER PERSONAL BANKING ACCOUNT WITH MY ACTUAL SATISFACTORY FINANCIAL INSTITUTION AT XXXX BANK!! 

I have faxed and completed EVERYTHING I WAS ASKED TO COMPLETE, via by phone with you all, BB & T as well as XXXX XXXX XXXX. 

However it is now going on MONTH FOUR AND I HAVE STILL RECEIVED ABSOLUTELY NO RESOLUTION REGARDING THIS INACCURACIES WITHIN MY ACTUAL CONSUMER CREDIT REPORT FROM YOU ALL. 

PLEASE CORRECT THIS INACCURACY IMMEDIATELY. AS I AM FIXING TO PURCHASE MY SECOND HOME AND CAN NOT DO SO UNTIL THIS ISSUE HAS BEEN RESOLVED FINALLY!!! 
ALSO I CAN NOT EVEN OPEN ANOTHER BANK ACCOUNT WITHIN MY BANK UNTIL THIS ISSUE HAS BEEN RESOLVED AS PROMISED FOUR MONTHS AGO NOW!! 

I WAS PROMISED RESOLUTION IN A MAXIMUM OF 15-30 DAYS! 

YET ITS BEEN FOUR MONTHS TO DATE, AND STILL NO RESOLUTION OR CORRECTION OF MY CONSUMER CREDIT REPORTING AND CURRENT STANDINGS WITH MY CONSUMER REPORT HAS BEEN BROUGHT TO DATE AND CURRENT SHOWING I HAVE A GREAT CREDIT STANDING AND ALWAYS HAVE!!! 

Please correct this immediately.
Consumer complaint received 2020-07-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CO)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2300.00}, {$15000.00}, {$0.00}, {$0.00}, {$1900.00}, {$5200.00}, {$5200.00}. 
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 ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2300.00} -This is not my account. 

2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$15000.00} -This is not my account. 

3. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

4. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

5. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1900.00} -This is not my account. 



-- COLLECTION ACCOUNTS 6. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5200.00} -This is not my account. 

7. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5200.00} -This is not my account.
Consumer complaint received 2017-12-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (IN)

it says taht my XXXX card took a hard inquiry hit last XXXX, i didnt do this, why why would i need to i have plenty of money avail on taht card, please remove herd inquiry, wasnt me,
Consumer complaint received 2021-02-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (IL)

Credence Resource Management has placed a fraudulent account on my credit for {$220.00} as a collection account in XX/XX/XXXX. I have verified with XXXX XXXX directly that this account was opened and closed in XX/XX/XXXX. I have reported this to Credence and the credit bureaus and advised that Credence is violating the Fair Debt Collection Practices Act by placing a 10 year old account on my credit. My credit was damaged severely by this and this company doesn't care they are violating the law.
Consumer complaint received 2019-08-14
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. (NY)

Good afternoon. To whom may concern. 
I contact the credit bureaus that the are some incorrect information that doesn't belong to me that. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove a thank you so much.
Consumer complaint received 2022-04-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (GA)

On XXXX I received a notification that a check had cleared on my account for {$9400.00}. After researching this transaction, it was determined that a check I had written and mailed via the post office for {$79.00}, was washed and re-written for {$9400.00}. 
The individual took the check to another Truist Location, opened up and account and mobile deposited the fraudulent check. I contacted my back immediately, filed a police report and signed the affidavits provided by my the bank. I was was told initially that the bank would apply a provisional credit on my account within 10-14 days. 
I contacted the bank of XXXX and they are now telling me that it would be 90 before the money will be returned to me due to the back log. This is unacceptable. This is an obvious case of fraud, the bank has agreed, and they told me the funds were placed on hold and not given to the customer. If the funds were not dispersed to the fraudster, then why have they not been returned to me. I contacted several other banks today, and they all said best practices is 10-14 days standard on fraud claims. I can not wait 90 for the funds to be returned, I have bills to pay. I have been a BBT/Truist customer for years. I have multiple business loans and accounts with your bank. Please assist me in getting this situation resolved. 
XXXX XXXX
Consumer complaint received 2023-03-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (WA)

Account name : XXXX XXXX XXXX. 

Account number : XXXX Account type : Unsecured Date opened : XX/XX/2022 Status : Paid, Closed. 

Status updated XX/XX/2022 This is an inaccurate credit reporting that I don't recognize. I filed a dispute with Experian, XXXX, and XXXX. But for whatever reason it remained on my credit report. They haven't provided any information on how exactly they verified the debt.
Consumer complaint received 2024-03-23
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY (MA)

Hi, I have a new credit card with MicroCenter ( electronics store ) which is processed by Wells Fargo. 

They marked my payment late and have assessed {$58.00} in interest and late charges despite my bank saying the payment was early. 

Payment was due on XXXX. My bank sent it XX/XX/26 scheduled to arrive by XXXX. 

..and I see this now on a weekend and there is no one available to address the issue. I will call them Monday and attempt to resolve the matter. 

But Wells Fargo is synonymous with consumer fraud these days. Please put this on the list.