davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-11-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: GOLDMAN SACHS BANK USA (CA)

On XX/XX/19 I received a refund for a purchase. I had a positive balance on the card, in my favor. 

On XX/XX/19 I made a call, hoping to get the positive balance sent to me in check form. The gal I spoke with told me that they could to a direct transfer to the checking account linked to the credit card account. She said this would happen in 7 days. 

XX/XX/19 I made another call because the balance transfer to my checking account still had not happened. 
I was told it was pending, and it should be complete by XX/XX/19. 

I called again on XX/XX/19. This time, I was told it was in the process, but they could not give me a time by which this would happen. I had to simply wait, and they would contact me via e-mail or text when it had occurred. Basically saying, don't bother us about this anymore.
Consumer complaint received 2017-12-05
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

XXXX XXXX XXXX, XXXX XXXX and their subsidiary XXXX XXXX XXXX XXXX ( XXXX ) misrepresented material facts related to the excess proceeds during the hearing of XX/XX/XXXX. Specifically, when the Court asked if there are any reasons why the excess proceeds should not be paid out to XXXX, they remained silent and refused to relate XXXX XXXX XXXX XXXX XXXXXXXX and XXXX along with Bank of America, N. A. lied and represented, in writing, the XX/XX/XXXXXXXX Trust Deed had been paid off in XX/XX/XXXX. This intentional misrepresentation was made, in part, so that the borrower wold not be entitled to the excess proceeds after the foreclosure sale at auction of XX/XX/XXXX. Additionally, XXXX also misrepresented the total amount owned on the bank 's XXXX Trust Deed and intentionally left out the {$89000.00} principal reduction on an MHA HAMP amendment that becomes due at the time of default. The reason, in part, for the intentional misrepresentation of the debt owed was to lower the amount for sale at auction. Folks buy the debt associated with the Trust Deed to turn a profit. On XX/XX/XXXX, to debt sold at auction for {$320000.00}. The bona fide purchasers then sold the property - without holding title - on XX/XX/XXXX for {$420000.00} making approximately {$10000.00} in profit. If the {$89000.00} had been added to the {$300000.00} ( the amount reported owed by XXXX ) the total amount owed would have been {$390000.00}. Add in the improvement and legal costs, the profits would have been around {$15000.00} rather than {$100000.00} and most likely would not have sold at auction leaving me in my home as the bank, XXXX XXXX XXXX, XXXX XXXX and XXXX would not and, in fact, did not, proceed with a judicial foreclosure. Which is the most nonsensical thing ever ( other than tapioca pudding ) because a judicial foreclosure would have barred a California Homeowners Bill of Rights claim and litigation. 

Desired resolution would be to receive a full explanation addressing and detailing the due diligence surrounding the actions taken during the foreclosure processes including, but not limited to, pre and post foreclosure activities as Trustee and Trustee 's Attorney.
Consumer complaint received 2017-11-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (NJ)

Please Be Advised I am writing to report that Experian is falsely reporting a public record on my credit report and I have written to this company via certified mail on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX and still the account remains. I have also advised them to please send me copies of the documents that they have in their files used to verify the accuracy of the account. I have n't received any verification and via the telephone call that I made to their company and agent by the name of XXXX advised me that XXXX XXXX is the ( third party agency ) that provided them this public record. On XX/XX/XXXX I sent via certified mail a letter to XXXX XXXX to dispute this record. On XX/XX/XXXX I received written documentation that an investigation has been done and in conclusion this record was removed. On XX/XX/XXXXI sent the supporting documents to Experian and they still have n't complied. I have spoken with XXXX and XXXX on XXXX, I have spoken with XXXX on XXXX who advised me that she would resend the dispute over to compliance for review and I would receive a call within 48 hours business hours and still have n't heard from Experian. I also took the liberty of contacting XXXX XXXX on XX/XX/XXXX and spoke with a Manager by the name of XXXX at XXXX XXXX and she advised me that this item was removed off my records Experian she be following suite and updating appropriately.
Consumer complaint received 2016-04-18
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Merchants and Medical Credit Corporation, Inc. (MI)

I have had two calls from your company regarding a XXXX co-pay from XXXX XXXX Hospital, which confirmed last year that my balance was XXXX. I requested your people to check back with XXXX XXXX ... because I do not owe the {$25.00} and they asked for my address. I do n't give out my address to inbound callers and do n't you have it? If these are legitimate debts you should!
Consumer complaint received 2022-10-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (IN)

My daughter applied for a XXXX XXXX XXXX from XXXX XXXX. She went to their site to see if she would prequalify for a card without any impact to her credit bureau score. The pre-qualify said she didn't qualify so she used me as a co-signer, again using the prequalify on-line application. We were both denied, end of story. Unfortunately XXXXXXXX XXXX reported the denied application to all 3 credit bureaus as a declined loan, thus lowering my score between 3-9 points. This was supposed to be a prequalify, not an actual application.
Consumer complaint received 2020-09-12
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: EQUIFAX, INC. (FL)

I check my credit report and notice some things that does not belong to me. These accounts are stopping me from getting a loan approval. The account listed below is not mine. I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening? Please help me out. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-05-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Bread Financial Holdings, Inc. (MA)

I see multiple 30 & 60-days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2020-05-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY (MI)

I have two accounts with American Express ( see attached documents ) for over 10 years. I am putting in another complaint with a different account number. Many years we have had a good relationship with each other. I have never had a late payment with them.

I got sick with the virus. Afterward, I went back to work and soon lose my job because of the Corona virus. I called the credit company and tried to keep them updated on my situations at least twice per month. It has been 9 weeks since I applied for  unemployment in XXXX. I am still waiting to receive my unemployment money. 

The customer service people was not helpful or pleasant at all with my present hardship. I was told that there was no " Hardship program '', or help that they could give me to meet my present budget, lower my interest rate, or remove the high monthly late fee. My credit card was closed recently, and I am still trying to work something out with them.
Consumer complaint received 2018-06-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (NV)

Hello I have a XXXX  XXXX XXXX with a loan through WellsFargo Dealer Services. I have had my loan through them since XX/XX/2014, recently I began credit repair for myself. Disputes have already been sent and no changes. This company shows multiple 60,90,120 day late payments on my credit report. This company has been over charging my account for quite some time because of insurance fees even though I had my own insurance and they are supposed to be sending monetary compensation because of this. Collateral protection insurance is what its called. This company has been over charging me I would like for those late payments showing on my credit report to be removed.
Consumer complaint received 2017-11-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (FL)

Contacted representatives of the company via telephone and emails several times in XX/XX/XXXXand XX/XX/XXXX because of the financial hardship I am experiencing from Hurricane Irma. However, they continue to plague me with calls, jeopardizing my employment for an overdue payment and would not provide with an answer to my request for a payment deferment on my minimum payment due toXX/XX/XXXX on my credit card accounts.
Consumer complaint received 2024-02-16
Product: Credit reporting 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. (CA)

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I am reporting a fraudulent Inquiries found in my credit report
Consumer complaint received 2021-02-08
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. (IL)

I received a notification on XX/XX/2021 from Experian via email that my account information had been updated, my email was changed. I was asked to email them at XXXX if the change was not initiated by me, which it was not. I have not received any response to this email. I have subsequently been notified by my financial institutions that my credit report has changed. 

Today I tried to reach Experian by phone ( XXXX ). There is no way to reach a human. By way of the automated system, I placed a security alert on my account. Unfortunately, the system states information will be sent to me via EMAIL. Again, the email information has been fraudulently changed. I am at a loss for how to communicate with the company. I have tried to reset user name and password on my Experian account, and again, everything goes to the FRAUDULENT EMAIL. I am unable to fix this without assistance.
Consumer complaint received 2018-01-16
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc. (WA)

My account at coinbase.com is locked and I can not access it. They have thousands of dollars of my funds in their system that I can no longer access. I have contacted customer support for over a month now and gotten no reply.
Consumer complaint received 2022-01-07
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 — Problem with personal statement of dispute
Company: Total Card, Inc. (FL)

I have sent multiple emails to the CEO of this company informing them that my late payments were due to me being Furloughed from my job back in 2020 due to COVID 19. I have called and spoken with the supervisors to see what can be done. I was inquiring about getting them removed since this was out of my control. The late payments are for XXXX XXXX and XXXX of 2020. I was furloughed in XX/XX/2020.
Consumer complaint received 2021-02-08
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: General Motors Financial Company, Inc. (VA)

GM Financial contacted me by phone in XX/XX/2020 to collect a property tax payment on a lease that I had turned in, at one of their dealerships, but was not closed out properly by the dealership. When I leased a new car at the same dealership, I also updated my address to my new address. 

I never received any notification from GM Financial about the full-year tax bill on the car that I only had for one month of the calendar year, because they continued to send my mail to the old address, despite the fact that by the end of the XX/XX/2020, I had two new vehicle leases with GM Financial, and both used my current address. 

When I called in XXXX to provide GM Financial with the information, they said that if the closure documents were faxed to them by the dealership before the end of the month, the account would be put on hold until the abatement processed. 

After receiving another bill from GM Financial last month for the full amount, and a recorded call from GM Financial today XXXX, I called to inquire about the status of the account, and was told for the first time that the account had been allowed to age 60 days past due and that the overdue balance had been reported to credit agencies. 

They had not in any way informed me that they would continue to age the account and damage my credit. They had no, as the agent said for the first time today, informed me that I should pay the whole amount in advance and wait for the refund of the abatement. 

Had I been told up front that this was their policy, I would have paid the whole amount in advance and waited for the abatement. But instead they said they put the account on hold. On hold means that the account is not aging. 

This is a deceptive and harmful practice, and they need to better train their phone agents in their actual company policies and not mislead their loyal customers by telling them one thing and doing another.
Consumer complaint received 2018-03-26
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Asset Maximization Group, Inc. (PA)

I received a bill from XXXX XXXX Acct # XXXX in XX/XX/XXXX and made payment arrangements which are current and never late and in good standing. I spoke 3x to an XXXX  rep ( last to a supervisor named XXXX on XX/XX/XXXX ) who stated the above and said I do not owe any money nor was I referred to AssetMax a collection agency. XXXX also stated they do not use this agency. The account # for the amount owed to XXXX is the same as the account # for AssetMax. XXXX advised me to ignore the 3 letters I received in the last week from AssetMax. I called AssetMax and was told I owe them money for the balance of the XXXX XXXX   performed at XXXX ( same date of service and same amount ). Aria gave me a number XXXX XXXX XXXX to XXXX XXXX who has access to the same system and said I'm in good standing w/my bill. They advised me to ignore the letters received from AssetMax. I'm already paying this bill and in good standing. It's illegal to collect twice on the same account.
Consumer complaint received 2020-05-07
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. (IL)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2017-12-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (FL)

On XX/XX/XXXX a wire was paid into my Chase Checking account for {$70000.00}. for goods and services sold to a client.

Around XX/XX/XXXX or so, I was not allowed to withdraw money from my account because Chase Bank said that the person who sent the wire had recalled the funds.

I subsequently spoke to the client and explained the situation and she agreed to be refunded {$40000.00} since {$30000.00} had already been sent out to pay for the goods she had received.

Around XX/XX/XXXX, I verbally authorized Chase bank - ( the conversation was recorded by Chase ) to refund only {$40000.00} to the client.

Instead of following my simple instructions Chase closed my account on XX/XX/XXXX and told me that I would not get a check.

My client did not get her {$40000.00}. and I did not receive a check. Where is my money?
Consumer complaint received 2016-11-01
Product: Credit card — 
Issue: Other — 
Company: JPMORGAN CHASE & CO. (NY)

I have a XXXX XXXX mileage plus credit card from Chase. As part of the benefits of the credit card each year the consumer receives XXXX XXXX XXXX passes. These passes have an expiration date on them. However, in the past XXXX has look the other way to use expired passes ( not every time though ). The consumer pays an annual fee each year the credit card account is open. If the passenger/consumer cant walk into a XXXX club with a day pass then why should the consumer be charged an annual fee from Chase? During the past several months XXXX XXXX has disavow/refusing day club passes at various airports ( that come with its co-brand credit card ) access to open lounges in XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, etc ... while the airline renovates other lounges in the same airports. Poor passenger experience and signals that cobrand cardholders are second class customers. Even if a consumer/passenger is flying on a paid walk up, last minute prem. XXXX First class ticket and showed XXXX of the XXXX passes, still denied entry! Last month in XXXX I was flying to/from XXXX XXXX XXXX and XXXX failed to renew liquor license so XXXX dry days at XXXX XXXX Airport. The gaffe affected XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX in XXXX XXXX. The XXXX club in terminal A could have served alcohol, however its closed for renovation. Looks like Mileage Plus is a now a second tier program. I guess co-branded Chase Airline/Club cards are the next whack.
Consumer complaint received 2020-04-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (SC)

I have not received confirmation not certified testimony that your offices complied with the FCRA and all its mandated rules when it comes to reporting accurately. Therefore, you are to present to me with a certificate in testimony that the fraudulent inquiries present in Exhibit C are in fact compliant and not subterfuge? ( Copied from AFFIDAVIT** ) All items listed in Exhibit B are fraudulent, invalid, inaccurate, not timely, and carry no documented evidence of their existence. To the least, they have not to be authenticated as per my requirements as you are damaging my character, creditworthiness, and well-being by falsely stating those fraudulent non-compliant unverifiable inquiries on my report. ( Copied from AFFIDAVIT** )
Consumer complaint received 2024-02-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2019-11-09
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: Experian Information Solutions Inc. (NY)

I have a so many credit inquiries on my report. Im in complete disbelief, someone is using my information on XXXX, loan request and credit card request. I no longer have a credit score none of my finances are being report I work so hard to gain credit now I dont have any. 

Can you please help XXXX XXXX
Consumer complaint received 2016-04-25
Product: Credit card — 
Issue: Credit determination — 
Company: JPMORGAN CHASE & CO. (WA)

Chase has sent me XXXX credit card mailings between XXXX and XXXX of XXXX, and I do n't want them. I am certain they are affecting my credit, and I want them stopped. However, when I call chase to get rid of these " offers '', there is a robot asking me for my Social Security Number, which they should not need, for my home address, my telephone number, and XXXX knows what else, and they do not allow me to connect to a representative, period. Enough!!! I am not interested in giving that information to anyone, and the fact that THEY have it really XXXX me off.
Consumer complaint received 2022-10-05
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (LA)

On XX/XX/22 a deposit was sent over to what was thought to be a XXXX  XXXX. Services were never rendered. XXXX Bank is refusing to file a flail to recoup the funds sent over to the would be scan XXXX. XXXX XXXX is not helping either. Attached you will find the correspondences. I have since then reported the XXXX page to XXXX and the page has been deactivated. Id like my {$150.00} back immediately and XXXX should go after the scanner just as the would when disputing charges from XXXX or XXXX. Zelle instructs you to contact your banking institution, they dont offer any help either!