davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-06-17
Product: Payday loan — 
Issue: Can't stop charges to bank account — 
Company: Carma Enterprises Inc (NV)

Its none of the issues i listed it is harrassment that has taken place .Im late on my payday loan which is my fault im now being harassed.prior to being late before that i was on time every time my loan was almost paid off.I did fall behind and had to speak with a lawyer about bankruptcy due to the harrassment i was receiving which i really did n't want to do because of course i wan na pay back the loan but the calls to my job threating me saying your coming to my job also telling me i didnt pay enough towards my loan i came in and gave what i had.i was going to bring in what i had everyday just to try and get it paid .the harrassment came from lvfinance employer XXXX and XXXX very rude people and i told them dont call My job if im answering your calls.I spoke with XXXX and before he hung up he said im calling your job now which is un called for.Also he told me i will call you everyday which is fine i owe you but to say im coming to your job and tell my supervisor which is breach of privavcy.I wanted to pay back what i owe credit is everything but the harrassment from this man XXXX will not be overlooked i will do all i can to make sure this man is known about.The calls came and i called back but my job do have the calls logged in the system and the head manager does recall the call where XXXX told him they will be at my job if i dont call back which i was working so i could n't call job policy no cellphones on work floor.On my break i called and the nasty amd rudeness was what i endured im 2 weeks late and the yelling and rudeness when all i wanted to do was set something up with him.I did let the best of me come out and yelled back but you get nothing resolved with XXXX people yelling.This company harassed me at my job that 's my main complaint.
Consumer complaint received 2020-08-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (CT)

I rented a vehicle from XXXX in XXXX, XXXX on XX/XX/XXXX. 
The rental was for two days with the vehicle due back before XXXX XXXX on Sunday XXXX XXXX. 

I returned the vehicle at approx XXXX XXXX on XXXX XXXX and later that day received an e-receipt from XXXX. The bill was incorrect as they showed a return time for the vehicle of XXXX XXXX. 

I contacted the XXXX contact center the next day to complain. I was told that it would take six weeks to resolve the issue as the team had no ability to see or resolve international reservations. I eventually got through to an XXXX Customer Service Manager ( who identified herself at XXXX, Floor Supervisor in XXXX, Employee No. XXXX ). XXXX was wholly unhelpful and told me I had no option than to wait. I was given no complaint number and no resolution status. 

I have used XXXX for many years and regularly drop off my rented vehicle at airports without any issues. 

My complaint : XXXX XXXX XXXX team did not book in the car at the time it was returned. Proof of this is my return flight from XXXX XXXX to XXXX XXXX ( I sent copies of this to both XXXX and Chase, my Credit Card provider ) * XXXX did not provide a response to my complaint * I disputed this charge with my credit card provider, Chase. They issued a " temporary credit '' on the charge while they took time to investigate the dispute. 
* I cooperated with all inquiries made to me by Chase Bank * I noticed that this " temporary credit '' was still appearing on my credit card bill in XX/XX/XXXX, i.e. nearly two years after the initial dispute * I raised the issue with Chase via their online portal. After several weeks I received an electronic response to say that Chase had found in the Merchant 's favor by virtue of the excess time that the dispute was open. This despite the fact that I have received no communication from wither Chase or XXXX in more than 18 months * I called Chase to complain. I feel I was mis-led by their operator XXXX XXXX and her Supervisor XXXX, who stated that it was normal Chase practice to leave open disputes until such time as either the cardholder or merchant called. I played back an example in which I purchased {$10000.00} of good then disputed the transaction the next day. XXXX insisted that the charge would be held in dispute in perpetuity if Chase was waiting for a response from either the Cardholder or the Merchant, with no limitation on time. I feel that this is a gross mis-characterization of the actual dispute process and was offered as a diversion to Chase 's failing in executing my original dispute transaction Chase has agreed to credit my account with {$75.00} ( the approximate amount of the disputed charge ), however it is their poor processes and deceptive explanations that I wish to highlight
Consumer complaint received 2020-08-07
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (AL)

I originally tried to contact the credit bureaus by via mail, and some of my dispute have been ignored. There's medical debts and a vehicle that I never owned that has been place on my credit. 

I sent dispute letters for the inaccurate accounts to be removed from my credit report on XX/XX/2020, XX/XX/2020, and XX/XX/2020. However they never sent me documents to show me how they verified the accounts but per " 15 U.S.C. 1681g '' and it should have been deleted per Section 611 ( a ) ( 5 ) ( A ) ( i ). I also sent a letter with Section 609 ( a ) ( 1 ) ( A ) to show me the physical documents and they have not.
Consumer complaint received 2020-04-19
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. (CA)

I RECENTLY HAD MY CREDIT PROFILE PULLED. UPON LOOKING AT THIS REPORT I HAVE NOTICED THERE WERE ACCOUNTS THAT WERE NOT MINE. THERE ARE MULTIPLE ACCOUNTS THAT ARE REPORTING LATE PAYMENT HISTORY WHICH ARE IN ERROR. I HAVE NEVER BEEN LATE ON ANY OF THESE ACCOUNTS, SO PLEASE AMEND TO SHOW NEVER LATE. 
I HAVE SENT DISPUTE LETTERS ON XXXX, XXXX, XXXX, XXXX, XXXX, XXXX BUT TO DATE I HAVE NOT RECEIVED ANY RESPONSE FROM YOUR COMPANY. YOUR FIRM COMMITTED SIX 30 DAY VIOLATIONS IN DIRECT VIOLATION OF THE FCRA STATUTES.
Consumer complaint received 2020-08-07
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CA)

i have sent dispute letters on XX/XX/2020, as of today date XX/XX/2020 i still have not received anything from the credit bureaus. i feel the time frame as been long enough to contact me with what im asking for.
Consumer complaint received 2020-04-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have contacted TransUnion several times explaining that these accounts from XXXX XXXX are fraud accounts. I have provided a police report, identity theft report and my ID along with proof previously requested. Please delete and block all the accounts from my credit report because this is fraud that you are reporting. Please delete & block these accounts.
Consumer complaint received 2017-03-22
Product: Other financial service — Credit repair
Issue: Advertising and marketing — 
Company: John C. Heath, Attorney at Law, PLLC (NY)

Lexington Law advertised that they could help repair my credit. On initial review with the clerk via the phone. I was instructed that I would see vast improvement in as little as 30 days. 3-4 months of service nothing productive was done.
Consumer complaint received 2020-08-07
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. (TX)

Equifax ; XXXX and XXXX should not be reporting that I am ( 120-180 ) days late on the XXXX - partial account numbers XXXX ; XXXX and XXXX. ( Please see page attached from my credit report as well as a copy of my Drivers License and SSN card for identification purposes to proceed with the investigation of my complaint. ) First, all of these accounts report a {$0.00} balance and {$0.00} past due. Second, these accounts are currently being coded as an I5. These accounts should be coded as an I1. I have contacted the bureaus and have spoken to multiple representatives who have verbally stated to me they can not change the coding on these infractions. This is not true. I have spoken to my loan officer, as well as my lender, and it was confirmed that the coding on these items can be changed by the bureaus to report accurate information. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. It is a violation of the Fair Credit Reporting Act to not report accurate coding. This false reporting of lates is seriously harming my credit score and all of these line items need to be removed from my credit report. I have contacted the bureau to remove these however, I have not been successful.
Consumer complaint received 2016-09-08
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: JPMORGAN CHASE & CO. (CA)

Around the end of XXXX, 2016, I received a Chase ( Amazon Rewards ) credit card with a {$9000.00} limit. I did not order nor apply for this credit card. I contacted Chase to find out what was going on. They told me they knew about it and had received other cards. The woman at Chase gave me XXXX credit alert line. She said she would cancel the card. I was not told who applied for the card. I was given NO information at all. She also mentioned that they may have applied for more than one card in my name. To date, I have not heard from Chase except to receive in the mail a notice of their privacy practices
Consumer complaint received 2016-02-22
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Harmon Law Offices, P.C. (MA)

My mortgage was sold and no-one ever sent us any information as to who owned our mortgage. We tried to find out who was the owner of our mortgage and we had no avail. We got a letter last year from Harmon law about being behind in our mortgage. WE finally found out the name of the bank which is XXXX XXXX. who had been mailing our mortgage statements to someone else in another state CA. We finally gave them our information and they were suppose to send a home motification package in XXXX we have not received it. Now we are listed in the paper as being forclosed on in 5 days. We have not had a letter from Harmon Law about the foreclosure date. We want a chance to catch up and save the equity in our home. Thank you for your help XXXX XXXX
Consumer complaint received 2016-06-07
Product: Prepaid card — Government benefit payment card
Issue: Overdraft, savings or rewards features — 
Company: Comerica (CO)

This is prepaid card. I use it to avoid overdrafts and fees and no longer use checking accounts to prevent overdraft issues.I checked my statement on XXXX and had an available balance of XXXX I went to ATM to get cash to pay bills. Today I check to see my balance and it is XXXX overlimit. I immediately called customer service who informed me that " pending transactions/holds '' were released because the merchant did n't submit the charge and that was why I had an available balance, but today they resubmitted the charge. I asked why they " paid '' this transaction knowing I did n't have the money and causing an overdraft and overlimit o XXXX on my account. My understanding with my previous account was that if I did not " opt in '' to approve charges to be paid and cause my account to be negative they could n't go through or be paid. It is the whole reason why I chose a prepaid debit card, you can only use what you have available and other transactions will not go through because you do n't have the funds. But this place decided against me and paid the vendor. I would have dealt with the bill not being paid if it did n't go through and never asked them topay this to overdraft my account. They old me they paid it because I owed the company money who put the charge through, that is not their decision to make. I have ever heard of a debit card especially a prepaid debit card company saying " you owed the company on this bill, so we paid it '' many times I did n't have money available in my account and never id a credit card, bank card tell me they paid the bill cause I owed it no matter if it overdrafted my account. They abused their authority and neglected mine by allowing my account to overdraft for XXXX.
Consumer complaint received 2022-10-26
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (FL)

XXXX re3open. 

I was tricked into attending a mediation meeting with wells Fargo to discuss a fraudulent CHECKING account. During the mediation, I requested to discuss the other fraudulent behavior of WF as it pertains to the HELOC loan. 
The WF representative refused to discuss any other items other than the CHECKING account.

In return WF has mislead CBPB by saying that we discussed or came to a resolution regarding my relationship with WF as a whole which is untrue and misleading.

The fact that I wasted money with their outrageous fees and lack of concern for the consumer needs to be investigated.

I closed the account for a tremendous loss without any concern of WF after the loan was restructure is a very unfair matter. 

See all the prior letter and others. 

Thank you,
Consumer complaint received 2016-08-09
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: IQOR US INC (DE)

They have been spoofing phone numbers for the longest time, calling at all hours. Since Friday, they have spoofed XXXX different numbers and called 17 times without being forthcoming about what they want. I want them to stop harassing me.
Consumer complaint received 2023-03-26
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. (MO)

Got a scammer text from Chase bank saying that there was fraudulent activity from someone attempting to youse my card. They took me to a fake sign in page where I verified my identity unfortunately.
Consumer complaint received 2015-10-28
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Gordon & Wong Law Group, P.C. (CA)

XXXX XXXX hired attorney Gordon & Wong Law group who filed judgment against me XX/XX/XXXX on a debt that is not mine. They just recently levied my XXXX XXXX XXXX account in ths amount of {$860.00} I contacted Attorneys office and they advised me to file police report of id theft and that this alleged debt is not mine. I filed police report along with FTC complaint and submitted all documentation to attorneys office by certified mail USPS tracking # XXXX XX/XX/XXXX They advised me they would speak to there client and get clarification of the debt. I have called there office every week and they claim that it is still being investigated and that there client has not responded to them with definite answer on validation of this debt. I have asked for my money back from bank levy and to this day they have no answer for me or cant even tell me where this debt came from. Please get me my money back this is not my debt.
Consumer complaint received 2016-09-07
Product: Credit card — 
Issue: Transaction issue — 
Company: JPMORGAN CHASE & CO. (CA)

Terrible customer service. I opened a credit card and it has been under review for no reason for weeks so I ca n't use the card. I have called and verified my information multiple times and have confirmed the charges. I am completely upset by this company and will never do business with Chase again.
Consumer complaint received 2023-01-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (TX)

I was a wells Fargo customer and someone took money out of my account. I had XXXX in there and the people who took my money overdraft my account by thousands. I called as soon as the fraud happen and the merchant stayed I was responsible cause I applied for some thing and thats how they may have received my information. they kept tacking on fees and closed my account. I tried to talk to a manager they would not allow me. I am very upset as they took my money and closed my account and put this on my credit. Every one I talked to kept saying i had to talk to another person and just kept passing me around. I thought I had protected myself when as soon as I seen the account being attacked I called.
Consumer complaint received 2020-04-19
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: EQUIFAX, INC. (TX)

Equifax is in violation of the fair credit reporting act 605B. I have requested for them to block the fraudulent items on my credit report. They have failed to do so in a timely manner.
Consumer complaint received 2020-08-07
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 — Their investigation did not fix an error on your report
Company: STERLING JEWELERS, INC. (MD)

I have a loan with XXXX XXXX, XXXX XXXX XXXX XXXX, and KAY JEWELERS. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, and KAY JEWELERS with no successful resolution. There was definitely an error on their part.
Consumer complaint received 2015-12-09
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

I rented a car and after returning the vehicle the rental car company made unauthorized charges to my account by stating the car was damaged.The amount of damages was highly inflated XXXX and they could not provide proof that I caused the damage or that the repairs were actually made.I notified my bank about this unauthorized charge that not only wiped out any funds I had in the account but was also hit with Overdraft fees.The bank states since I gave the car rental company my card information they could do nothing for me and also refused to reverse/cancel the Overdraft fees stating it was my fault.
Consumer complaint received 2017-01-13
Product: Debt collection — Auto
Issue: Communication tactics — Called after sent written cease of comm
Company: Riverwalk Financial Corporation (GA)

Need to have a letter giving me a chance to try and get a fair amount to pay back, no one has written or call.I understand I took the car back because it was junk, but they need to send me something, I do n't have the money for a large payment, but the car was a lemon.
Consumer complaint received 2016-07-14
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: STERLING JEWELERS, INC. (NH)

I have been receiving phone calls from several different numbers from Sterling Jewelers Incorporated. They are calling repeatedly at least every hour, to half hour during the day. It has become annoying and inconvenient. They call when I am at work, or when I am still in bed after working second shift the day before.
Consumer complaint received 2016-11-06
Product: Credit card — 
Issue: Billing statement — 
Company: CITIBANK, N.A. (UT)

I have requested and itemized statement from Sears ( Citicorp ) several times from the starting of the account to the present. We still have not received an itemized statement. We want to determine why the balance is so high. Every rep. we have contacted at Sears has given us a different answer from they can not send us an itemized statement to they are sending one out. As stated above we still have not received on.
Consumer complaint received 2020-08-07
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. (VA)

In XXXX of this year ( XXXX ), my income was temporarily affected by the COVID-19 pandemic. I immediately contacted ( by phone ) all of my creditors, including XXXX XXXX. XXXX XXXX like the others gave me an additional period of time to recovery ( 60 days ), and ensured me that no negative references would be reported to the credit bureaus. I missed two payments in XXXX and XXXX ( as I did with all my other creditors ) and they reported me ( none of  my other creditors reported me late, with the exception of XXXX XXXX ) and my score dropped 100 points. I immediately wrote them to protest their action, but to no effect. They deny their promise to me that was made and refuse to delete the negative reference on my  credit report. 

I have not gone over 30 days on a payment to a creditor since XXXX. I have three mortgages and seven credit cards and take personal credit rating very seriously. Specifically with XXXX XXXX, i have had the account since XXXX, have a credit limit f {$20000.00} and and never gone over 30 days. 

When the COVID-19 pandemic first began and I contacted them, I was assured over the phone by one of their representatives that this would not happen and it did. 
I respectfully ask for your assistance to make an inquiry to XXXX XXXX on my behalf.
Consumer complaint received 2023-01-20
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. (IL)

The below mentioned collection accounts are reporting as " open '' accounts with Equifax and XXXX. The accounts are reporting incorrectly and inaccurate. I have sent several disputes to Equifax and XXXX regarding this issue. Please have the accounts removed. 

Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681-1681x Federal and state fair credit reporting statutes promote the accuracy and privacy of information kept and distributed by the nations consumer reporting companies by defining how information must be recorded, verified and safeguarded. 

ACCOUNT NAME : XXXX ACCOUNT NUMBER : XXXX CREDIT BUREAU XXXX EQUIFAX ACCOUNT NAME : XXXX ACCOUNT NUMBER : XXXX CREDIT BUREAU XXXX XXXX ACCOUNT XXXX : XXXX XXXX ACCOUNT XXXX : XXXX CREDIT BUREAU : XXXX