davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-21
Product: Credit 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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I disputed XXXX charges on my Bank of America credit card - XX/XX/XXXX XXXX Delivery {$35.00} XXXX TX, XX/XX/XXXX XXXX Delivery {$74.00} XXXX TX. My account was closed and new credit card issued. Then my dispute was denied due to " chip was read, your PIN was entered, and/or you signed for the merchandise or service. '' I called to get details about the transaction but they did not know. They reopened the claim but they are unable to give me status of the claim each time I call back. Just a bunch of transfers from XXXX department and different answers each time I call back. Seems like they are just making things up as the go. I asked for written confirmation that the claim was reopened and they say it's in the app, sent via email and they can not give confirmation. Answers just seem made up on the fly. Claim XXXX.
Consumer complaint received 2024-02-21
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY (TX)

On XX/XX/24, I came to Wells Fargo to upgrade my checking to Premier Checking and to open the lowest fee XXXX XXXX with a {$520.00} offer ( offer code XXXX ). During account opening, the banker advised me to open a Platinum Savings ( highest fee ) account instead, and pointed to a QR code that he advised me to scan ( offer code XXXX ) for 4.6 % APY for 12 months on the savings. When I asked specifically if both offer codes could be applied, he said yes- he would apply the {$520.00} offer upon account opening, and would apply the other offer code after the account was opened. Due to the higher rate he was offering to combine with my {$520.00} offer, I opted to open the higher fee Platinum Savings for the higher 4.6 % rate. 

However, after opening the Platinum Savings account with my {$520.00} offer code, the banker was unable to apply the 4.6 % APY promo that he had promised. He called support and was told that the second code could not be applied. Had he told me this up-front, I would have opened the XXXX XXXX account instead. I feel that this was a bait-and-switch situation.
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CL Holdings LLC (NJ)

Jefferson Capital Systems have reported that I owe XXXX {$1300.00} and that Im in collections. This is absolutely INCORRECT. I have disputed with each credit agency. This account is not mine. My credit score has dropped from XXXX to XXXX on some accounts.
Consumer complaint received 2024-02-21
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (FL)

In XX/XX/2023, I hired XXXX XXXX XXXX XXXX XXXX to replace my roof. I gave them a deposit, and told them I was leaving town for hospital XXXX in XXXX and XXXX. 
While I was in the hospital, XXXX XXXX, with XXXX XXXX took an unauthorized XXXX transfer of XXXX from my account and another one for same amount. 

He then took XXXX from my XXXX. He had the number from a request to use my card to apply for a permit. His company removed my roof, and have never been back. They paid the subcontractors that removed my roof, and their checks were returned as insufficient funds. I have been without a roof since XXXX, and reported this to the XXXX XXXXXXXX XXXX XXXXXXXX Department here in XXXX XXXX, and the detective ( XXXX XXXX XXXX has issues XXXX to all parties. When I see the XXXX page for XXXX XXXX XXXX XXXX XXXX, I found many other individuals that this company has also stolen from. 
I have also filed a complaint with XXXX XXXX at the XXXX XXXXXXXX for XXXX XXXX. 
I have been in contact with the owner of the company, XXXX XXXX, and he has admitted to this fraud, but hired an attorney and said they will keep looking into this. His attorney XXXX XXXX of XXXX and XXXX in XXXX ( XXXX ) XXXX has emailed another letter admitting to their fraud, but just saying they keep looking into this. 

I am shocked that XXXX XXXX Bank did not notice the suspicious activity and did not follow the XXXX XXXX law here in our state. There are XXXX in deposits and XXXX checks on this person. 

I have contacted Wells Fargo, and sent a XXXX page file of images, letters admitting to this fraud, images of contracts, XXXX checks, unauthorized XXXX withdrawals, and Wells Fargo points at XXXX XXXX Bank for not recognizing the fraud, even though I feel I reported it within the time frame at Wells Fargo, and felt they should also have halted the transactions, and returned the withdrawals. 

XXXX XXXX did act immediately, and returned my funds. The banks should have been as honorable. I now will have to get a XXXX loan on a house that is paid for to get a new roof. I am a XXXX XXXX citizen, and would expect more from both the banks and the owner of the company. Shame on them all.
Consumer complaint received 2023-06-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: WELLS FARGO & COMPANY (WA)

Today ( XX/XX/XXXX ) I received a credit card in the mail that has been opened in my name as of XX/XX/XXXX through Wells Fargo. I immediately called Wells Fargo to alert them of this issue and they have suspended the account and are investigating it. I would like to request that this issue be investigated and that my credit be frozen so that no further cards or accounts are opened in my name.
Consumer complaint received 2021-06-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have sent in a copy of my ID and social security card. I explained I need my personal information updated to reflect my name and address in my driver license due to the fact I feel I may be subject to identity theft. My name is spelled about 5 different ways on my report which is incorrect. I just received a copy of my report and the incorrect information is still on there. I sent in the information abut 30 days ago.
Consumer complaint received 2024-03-01
Product: Credit 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. (AZ)

I was hit with 2 fraudulent purchases on XX/XX/year>. 

It was for airplane tickets and a TV that were purchased based back to back. 

I became aware of these charges because best buy sent me an email saying I went in and picked up and order for a TV ( never made the order or picked it up ). 

I went to XXXX, reported the scenario and took all steps they requested of me. They took the charges off, said the case would remain open and they'd let me know, but no further action was required. 

Flash forward all the way to the middle of XXXX this year, and the charges for the tv were reapplied, but not the plane tickets. 

In the letter they sent me the same day, it claimed I, " benefitted from the purchase '' and have to pay it, but not the plane tickets?? 

I reopened the investigation, and was told it'd be open for 15 days ( starting the friday before presidents day ) and they would contact me for more info. 

I was contacted wensday the XXXX of XXXX, and was told the TV being delivered to my house is the reason I'm being accused of faking the fraud claim. They mentioned that no tracking number was found, so I told them how I received emails saying I picked it up ( I did not ). The caller told me, " email me those emails, and they can be used to prove it wasn't shipped and potentially reopen the case. 

I sent the emails, and within hours the same day they closed the case and said I'm 100 % at fault. So now I am to assume I was blatantly lied to over a recorded phone call, and they used those emails as evidence to close the case early. 

Now I'm left with a XXXX dollar tab on my credit card for a purchase I never made, and a federally insured bank thay refuses to help me with what is basically nothing to them in the grand scheme of things.
Consumer complaint received 2022-07-14
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION ()

I did a wire transfer ( Bank Of America/ Saving account ) on the XXXX of XXXX to XXXX to my own account and they cancelled the transfer and also blocked my account. 

I called them, they unlocked my account, did the transfer again on the XXXX of XXXX and the next day ( today ) I tried to enter in my Bank on line to see if everything is running right, and my acces is block. 

I don ; t know what else to do, to them to allow my transfer
Consumer complaint received 2020-02-10
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. (NJ)

Prior complaint # XXXX My previous complaint resulted in XXXX XXXX XXXX replying that they will notify the credit bureaus to delete these items from report but it could take 60 days for them to update their records.
Consumer complaint received 2024-03-01
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (NV)

I've had the care credit card for 3 years. I've never missed 1 payment. I had over {$4900.00} available credit as of XX/XX/2024. I paid my payment yesterday and my limit now shows {$40.00}. It was reduced to my balance I owed removing all credit I had available. I didn't use this card except for emergencies. And now I have nothing. They state a review was done and my limit was reduced. Well now my credit score is even more affected since I lost {$4900.00} available credit. They literally made it look like I'm maxed out now when I had credit. My score will now drop even more. This economy is killing me. I will be filing bankruptcy at this rate. Credit card companies shouldn't be able to remove everything you earned and worked for. I'm being punished because I'm not rich and my credit is struggling. I've never missed a payment with them and I did not deserve the limit reduced making my credit worse and now I have nothing yet I paid on time for 3 years. I earned that limit and it's gone. I will be canceling them once I pay off the rest.
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I just received my credit report and was shocked to find unauthorize inquiries and late payments on it. As you know, this is not something that should have been reported! 
The Fair Credit Reporting Act states no one may access your information without permission from YOU first so please provide me with proof of what reason they had giving them the right to do so by furnishing documentation containing signatures showing I indeed applied for a loan or line-of business venture through their company as well as any other relevant details. Im sure you will realize these inquiries shouldnt be on my credit after all!

Also I notice you have furnished transactions on my consumer report that is excluded by law as per the FCRA 15 USC 1681a 2Ai. My account was never late! This was clearly a billing error, and a double dipping scheme. This act is shameful it has caused severe hard to my reputation, my character, my mode of living and to my family!
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAINE & WEINER COMPANY, INC. (MN)

XXXX XXXX XXXX XXXX XXXX 

I recently received a copy of my credit report and found that this company is illegally reporting inaccurate information about me. The following alleged accounts is listed as a collection with a PAST DUE balance. This information is incorrect or fraudulent.
Consumer complaint received 2024-02-21
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (LA)

My Bank of America Business ( BOA ) credit was five months past due. I was in communication with the controller set up some sort of hardship payment ( s ), however, on XX/XX/year> BOA deducted {$1700.00} from my personal checking account to as they described it ( offset payment to account ending in XXXX ). BOA deducted double the amount that was needed. 

That money was my wifes money that was deposited into our joint account. I would like all of my funds to be returned to my personal account and I will continue with BOA about making payment arrangements.
Consumer complaint received 2024-02-21
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Commencing on or about XX/XX/2023, I fell victim to a multi-layered scam operation run by XXXX which involved me making deposits for a total amount of XXXX USD from my Bank of America account to fraudulent investment firm ( s ).
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (GA)

CONSUMER HAS BASIC MEMBERSHIP WITH EQUIFAX VIA MYEQUIFAX.COM, MEMBERSHIP PROMISSED ABILITY TO SEE ADD AND OR REMOVE SECURITY FREEZEZ, FRAUD ALERTS AND ACTIVE DUTY ALERTS VIA THE WEBSITE. IT ALSO PROMISES OPTION TO SUBMIT DISPUTES. CONSUMER HAS NOT BEEN ABLE TO SEE THEIR FREEZE AND ALERT STATUS VIA THE WEBSITE FOR THE LAST XXXX YEARS. EQUIFAX STATES THIS IS BECAUSE OF A " GLITCH '' IN THE SYSTEM AND SUGGEST CONSUMER SEND IDENITITY VERIFICATION DOCUMENTS IN THE MAIL. CONSUMER HAS CONTINUOSLY SENT THE REQUESTED INFORMATION INCLUDING GOVNERMENT ISSUED IDS AND COPY OF SSN CARD. CONSUMER HAS NO PERMANENT RESIDENCE AT THIS TIME SO ROOF OF RESIDENCE/ UTILITES ARE NOT AVAILABLE. GOVERNMENT ISSUED ID AND COPY OF SSN CARD IS SUFFICE. EQUIFAX HAS FAILED TO RESPOND AND UPDATE/FIX CONSUMER 'S MYEQUIFAX ACCOUNT ALONG WITH UPDATING THE CREDIT FILE DISCLOSURE BECAUSE CONSUMER HAS SUBMITTED REQUEST AND DISPUTE VIA MAIL AND MYEQUIFAX.COM.
Consumer complaint received 2023-05-22
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. (MS)

TO WHOM IT MAY CONCERN : I XXXX XXXX DID NOT AUTHORIZE THESE INQUIRIES THAT IS REPORTING ON MY CREDIT REPORT AND IM ASKING THAT THESE INQUIRIES BE REMOVED FROM MY CREDIT REPORT IMMEDIATELY DUE TO XXXXTHE FAIR CREDIT REPORTING ACT, 15 U.S.C . 1681bXXXX ... ..THANK YOU XXXX FINANCIAL- XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-21
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC. (FL)

I contacted Ally numerous times asking for clarification on what is going on with our bills and why they are never adjusting our amounts after payments. We have been late but have paid down the balance two payments in XXXX And 2 payments in XXXX We have always made payments when possible and it seems they rarely apply payments to the principal and they are not adjusting the bill correctly as we should not owe XXXX but they refuse to explain our billing or adjust accordingly also applying XXXX in late fees seems excessive and if someone is struggling to keep up with their extremely high car payments how is such a high fee supposed to help get caught up. I want my statements and account reviewed and explained because I feel very mislead and like we are being treated unfairly.
Consumer complaint received 2024-02-21
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: ALLY FINANCIAL INC. (FL)

On XX/XX/XXXX I Went to a car dealership called off- lease only. I was told by the finance department that I was approved for my car loan through Alley financial, when I saw the interest rate at 11.5 % I told the finance guy name XXXX that the interest rate was too high, his words to me were dont worry Alley bank works with me on a lot of deals and he stated dont worry they do anything for me. I was worried about the interest rate, he told me dont worry about you can refinance in 6 months for a lower rate. He also stated the he had a person at Alley bank that would finance any deal for him, the off lease only and alley were inflating interest rates and the dealership was inflating the car prices to double the value of the car. Im a XXXX XXXX elderly women on a fixed income and on XXXX benefits. I have a XXXX XXXX XXXX XXXX that Alley bank is charging me {$49000.00} between interest rates at 11 % and the car is worth {$23000.00} almost double the price, this is called inflated pricing on used cars. This is the second complaint I am submitting, Alley bank will not do anything about it. I need your company consumer finance company to fight for me as I am the consumer who is filing the complaint. Im requesting this company to fight for my consumer rights with Alley Financial and find me a resolution to this civil illegal practice that Alley financial is doing to there elderly and minorities. They are no fair
Consumer complaint received 2021-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Santander Consumer USA Holdings Inc. (IN)

On or about XXXX XXXX after my car was repossessed by my lien holder who never disclosed as a debt collector I looked into my XXXX XXXX account for my credit report as both XXXX and XXXX both regularly update my history my score and my report and I saw where it says XXXX loan and it identified as the number XXXX and then under account closed as a charge off and a write off as of XX/XX/XXXX account closed profit /loss and last payment made XX/XX/XXXX And no derogatory remarks and no collection marks So I proceed to call Santander consumer the lien holder/debt collector and ask how is it that they are able to use a car as security on a debt that doesnt even exist? They were adamant about it being a charge of and said itd just the credit bureaus!! So Im not understanding what he means by this did i miss something? I was just informed that he told me that the debt was reported to the shareholders of the company, Im not making this up, and the shareholders are writing it off as a loss of a unfulfilled contract. So Im assuming that since they made the loss a tax deductible loss and the debt no longer exists Im not so sure that I have had my property seized legally and then why on XX/XX/XXXX I dispute the bureau both of them on my credit karma account and find five days later the disputes have been remedied and the result was exactly the same thing, yet on XX/XX/XXXX I was really not happy to see my XXXX  credit report that showed my Santander account to be delinquent not just once in XXXX but 2x yes on XX/XX/XXXX and on XX/XX/XXXX both were reported as delinquent and no charge off no recovery no bad debt last payment XXXX. I have made XXXX $ in payments to that account since XX/XX/XXXX and Ive yet to receive not one call from any debt collection agency not even one! So they told me themselves that they are the one who is collecting the debt yet they say that they already reported it as a loss to their shareholders! And some times when I call them they identify as an attempt to collect a debt and sometimes they dont! So how do I know which one Im talking to? And even since my dispute on my own behalf the reports have made no more change
Consumer complaint received 2024-02-26
Product: Prepaid card — Payroll card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: ADP Inc. (ME)

I have been a Wisely XXXX XXXX XXXX XXXX customer for over 10 years. Many times, I have used the bill pay feature that is now through XXXX XXXX XXXX. Attached is my XXXX, XXXX  statement for my card ending in XXXX. On XX/XX/year>, I sent a payment through bill pay to my fuel company, XXXX XXXX XXXX as you will see on the monthly statement. 

I became aware in XXXX of this year that none of the XXXX payments that I had mailed through bill pay to XXXX XXXX XXXX had been applied to my fuel account. After many calls and research from the fuel company, they were able to find all but the {$270.00} payment that was mailed on XX/XX/XXXX. The fuel company now insists that I produce a copy of this check showing it was cashed/stamped. 

Please send me a copy of the stamped check for this {$270.00} payment if it has been cashed by XXXX XXXX XXXX. I need to show them proof of payment. If not, please refund my account for the {$270.00}. As you may know, fuel oil is very expensive, and it is a financial burden to not have this payment accounted for as we approach the heating season. 

I have made several phone calls to Wisely customer service about this issue, and I was very surprised to be told that no such amount existed. The customer service rep said this without ever asking for the date of the check or a reference number which I would have been happy to provide. 

I have called at least twice a month for 7 months and each time I have been told this will be resolved in 3 days. I just need to show the fuel company that I sent the payment to that it has been cashed or refund the amount. Attached is a XXXX letter that I sent as well as emails.
Consumer complaint received 2024-02-26
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

ON XXXX 2023 Capital one credit card charged me a XXXX fee for my account and then sent me a card that was never activated. The company never notified me of the card or to even activate the card. I called them and they told me the card is not attached to the account so even if I activated or did not activate the card I still have to pay fee 's. I do not even have this account a year and they will not reimburse me, for a card I never used or activated. I also had rewards of XXXX and they kept that as well. 
I spoke with XXXX XXXX supervisor from out of the country and then she switched me to XXXX who stated she was from the united states. From her own statement she said was trying to say the card is not attached to the account which makes not sense. No text no email that a card was sent out. But, they sent out text that your statments are ready. This makes not sense.