davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-10
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: SYNCHRONY FINANCIAL (LA)

I see and hard inquiry on my credit report that I don't know anything about from XXXX 's XXXX XXXXXXXX phone number is XXXX their address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas it happened on XXXX XXXX XXXX XXXX
Consumer complaint received 2016-12-21
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: BBVA FINANCIAL CORPORATION (TX)

ATM card was stolen. Bank security measures did not prevent thieves draining account. Bank is violating federal law by refusing restitution. I will continue to file these complaints and proceed with legal action until bank complies with federal law reporting requirements regarding debit card theft.
Consumer complaint received 2022-11-02
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (PA)

I was contacted by Mr. Cooper in regards to being required to carry flood insurance on my property due to remapping of XXXX flood maps. Upon inspection it was found that I have floodplain on my property ( as was before ) but that the structure is still not on flood plain. 

After numerous correspondence with Mr. Cooper with conflicting information, denying to even review my provided documentation, and being told a supervisor would call me back due to my request ( which they never did ), I have unfortunately resorted to settling this matter through the CFPB in hopes of a proper resolution.
Consumer complaint received 2022-05-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: JPMORGAN CHASE & CO. (MO)

For the last few weeks, I have been receiving DAILY calls from XXXX XXXX XXXX. Today, I received 9 calls from this number. I have set up my payments already in the app, so I am not sure why I am being incessantly called.
Consumer complaint received 2022-08-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

In accordance with the fair credit reporting act the following accounts has violated my rights : 15 U.S.C 1681 section 602 A States I have the right to privacy 15 U.S.C 1681 section 602 A It also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO. (CA)

I needed a co signer to purchase a vehicle at XXXX XXXX in XXXX XXXX. I was approved on paper that we had both signed, then days later said I was denied. The dealership ran my credit and my co signers credit without our approval in desperate attempt to get a bank to approve the loan. I had told them if these aren't the rates or the bank doesn't approve do NOT keep trying. I didn't want to ruin my score more than it did as well as the co signer. After not being approved I told them I would return the car and pick up my trade in that they tried to rip me off on. The manager XXXX came at me very rudely and pushy in attempt to sell me a different car. He tried scaring me that my car was going to break down and it would leave me stranded, ( when my vehicle passed all of the safety tests or whatever they check when you trade in a car. It took 3 weeks to receive my refund on my down-payment which was very frustrating, on top of them issuing the check to the co signer when I was the one to purchase the vehicle. They damaged my subwoofer/Amp when they removed it from my vehicle. The general manager wasn't any better he answered the phone unprofessionally by saying who's this? Then offered a free tank of gas for all of the trouble when that doesn't fix any issues. I live 1.5 hours away for that tank of gas by the way. I cant believe the disrespect of this dealership to talk to a female shopping for a vehicle and causing so much damage to 2 people 's credit score out of desperation to sell a vehicle. He talked to me like I couldn't afford a vehicle and that my car was pretty much garbage when they were going to make XXXX on it.
Consumer complaint received 2022-06-09
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (NM)

On XX/XX/2022 I was scammed out of XXXX 
On the same exact date I filed a claim with Wells Fargo. I was denied. I appealed the case and I was denied again. I wrote a letter and I faxed them a lot of paperwork till this day a month and a half later I have never heard from Wells Fargo once I complain so much that they said theyre gon na get me in contact with the XXXX who handled my case. They said he will contact me within one hour. Still to this day no one has ever contacted me Wells Fargo has been very disrespectful and has continued to tell me there is nothing they can do for me there decision is final there is nothing I can do.
Consumer complaint received 2015-04-23
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Specialized Loan Servicing Holdings LLC (FL)

Submitted a short sale offer to SLS Loan Servicing. Had to resubmit over XXXX times until acknowledged. Made over XXXX phone calls to SLS and have all contact numbers. Short sale finally approved and then still want info. can not get anyone to return phone calls and impossible to find status of file. No cooperation at all.
Consumer complaint received 2022-05-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CITIBANK, N.A. (CA)

My husband got laid off and can not pay my credit card I called macy 's ( Citibank ) and they keep giving us the run around and telling us they can not do anything. I am XXXX and that seemed to be of no concern to them. This happened XXXX XXXX around XXXX thru XXXX and we called today XXXX. Several times during the calls, they dropped. One time seemed to have picked up and hung up. 

What can I do?
Consumer complaint received 2022-06-03
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (TX)

I received a Vanilla Gift Card in XX/XX/XXXX in the amount of {$300.00}. I did not attempt to use the card until XX/XX/XXXX. When I logged in to check the balance, I noticed that there were various fraudulent charges that took place in other cities away from where I live. I called Vanilla to dispute the charges and they told me to submit a packet with information for the dispute, which I did on XX/XX/XXXX. Vanilla told me it would take 90 days, or less, to complete the investigation and reissue a new card. 
I called after the 90 days had concluded, on XX/XX/XXXX, and Vanilla stated that they had not even finished " investigating. '' I have sent several emails to Vanilla and there is no response. And you can not even speak to the dispute team on the telephone to know what the status is. I do know that this particular gift card is serviced through XXXX XXXX, but I do not know what their exact role is.
Consumer complaint received 2022-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NC)

In accordance with the Fair Credit Reporting act XXXX XXXX  Account # XXXX, has violated my rights. 

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
Consumer complaint received 2022-05-04
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: EQUIFAX, INC. (CA)

This is the response that I received from Equifax concerning my dispute on complaint # XXXX : The identification information you provided does not match our records. In order to properly assist you, we will need additional information in order to verify your identification and current address. Please provide a legible photocopy of a valid document that shows your name, current address and complete social security number. Listed below are examples of documents that may be provided as verification of your identification and current address : Pay stub or W2 with complete U.S. social security number, valid social security card, Driver 's license, rental/lease agreement/house deed, mortgage or bank statement, utility bill for gas, cable or residential telephone bill. Please return this letter along with the requested information to Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX. 

The original complaint was : I contacted Equifax to dispute inaccuracies on. my credit report with the following inquiries : XXXX XXXX XXXX  XXXX XX/XX/XXXX- This inquiry was solicted as a soft pull by XXXX  XXXX to see which Business credit card I quailifed for. The social security number was requested as a means to identify me and for the XXXX XXXX  which was not factual! XXXX - Card Service XX/XX/XXXX -This inquiry was solicted as a soft pull by XXXX XXXX to see which Business credit card I quailifed for. The social security number was requested as a means to identify me and for the XXXX XXXX which was not factual XXXX XXXX  XX/XX/XXXX - This inquiry was solicted as a soft pull by XXXX  XXXX to see which Business credit card I quailifed for. The social security number was requested as a means to identify me and for the XXXX XXXX which was not factual
Consumer complaint received 2022-11-02
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (AZ)

I have a business account with Chase for my business that I recently started. On XX/XX/XXXX I deposited a check made out to my company which I did not endorse. Ive never endorsed them before and never had a problem until now. The deposit of this check resulted in my account being frozen and then closed without notice. I only found out because I went to deposit another check and they told me this was a closed account and it had been for days. I only knew my account had been frozen after I called on the XXXX of the same month to enquire why I wasnt able to make payments out of my account. It was then that they informed me that they had a hold on the check but it would cleared in a couple of days. This later turned out to be false because they closed the account after the hold was removed. When I called my client, who was the one who wrote me this check, they told me that the check cleared fine on their end. This was news to me because one of the times I called Chase they told me the problem was on my clients end with their bank. I also went to the branch three times to speak to the branch manager and he tried to help me by calling the deposit review department in Chase. He even requested to speak to a supervisor on that department which didnt help. The Chase branch manager told me that this was not their policy at the branch and pointed out the exact policy he was referring to to the representative on the phone because they were saying information that did not match up with the policy his branch followed.

Now, Chase refuses to release my money that was in the account, stating that more checks are under investigation because they need to speak to makers of each check even though they have already been cleared months ago. Another frustrating part of this is is the telephone verifying system that Chase uses. The phone number on the check has to match what they have in the system. They wont call the phone number that is on the check if it is not verified. I have reached out to multiple clients to get phone numbers from them, only to be told by Chase that those phone numbers are not in their system therefore they cant verify the client or their check. Now, they are asking my clients to go to the branch and show two identifications and prove he is the business owner that gave me that check. This has been the latest response they have given me after a month of headache and giving me the runaround on what I should do.
Consumer complaint received 2022-08-24
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. (FL)

I have reached out to the credit reporting agency about a dismissed bankruptcy on my account. It states its from the US BKPT CT XXXX XXXX XXXX. This public record is inaccurate and I disputed it and the findings was the credit bureau received from XXXX XXXX. I reached out to the court to dispute and they advised they do not report or subscribe to the credit bureaus or have an open case in my name
Consumer complaint received 2022-05-04
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ATG Credit, LLC (IL)

ATG CREDIT , LLC is falsely reporting that i have a valid debt despite the fact that the creditor doesnt exist. XXXX XXXX of XXXX is the original creditor and they closed down- ATG somehow got ahold of their customer records and have been attempting to extort money from their previously paid-off customers who are mostly elderly people they can take advantge of. 

ATG provided no documentation that the debt is valid, they blocked my phone number when i attempted to call them and ask for said documentation, they refused to investigate the matter as a fraud case despite my request, and they have been falsely reporting information to credit bureaus.
Consumer complaint received 2022-05-04
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. (NC)

There are accounts under my name that is a result of Identity Theft. I have already files the proper documentation for these and have sent it to the bureaus but they did not remove them. Please see attached documents for these accounts I am complaining.
Consumer complaint received 2022-05-04
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: CITIBANK, N.A. (NY)

While on vacation in XXXX, XXXX, I made several charges on my Citibank credit card. For these charges, I received a receipt. However, immediately after each legitimate charge, the waiter made a second charge to his personal business. His personal business is a fraudulent company that he set up to get money for himself. The company that the charges were made to is called XXXX. Here are the dates and amounts of the fraudulent charges ; XX/XX/XXXX - {$170.00} ; XX/XX/XXXX - {$170.00} ; XX/XX/XXXX - {$170.00} and XX/XX/XXXX. I realized these charges were being made when I noticed that my balance was increasing more rapidly than it should. I checked my Citibank account online and I spotted the fraudulent charges. I immediately contacted Citibank. After several telephone conversations, Citibank suggested I close my account and continue the dispute process after returning to the United States. When I returned to the US and contacted Citibank, I saw that Citibank had closed my account and put through all of the fraudulent charges. I would like for these charges to be reversed because this company does not exit and I DID NOT MAKE THESE CHARGES.
Consumer complaint received 2022-11-02
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: U.S. BANCORP (AZ)

Received a mailing offer, open a business checking account with US bank with promo code, and receive {$500.00} bonus. 

Went ahead and opened the account on XX/XX/22 and funded {$5000.00}, enrolled to online banking, and made 5 {$10.00} bill pay transactions. So all qualifying conditions are met but US bank never honored the {$500.00} bonus. Proceeded to call the US bank customer service ( XXXX ) 4 separate times, each time they promised to looking into the issue and follow up, each time no follow up occurred and still no {$500.00} bonus was given.
Consumer complaint received 2021-12-02
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC (IL)

Transworld Systems XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX SSN : XXXX Date : XX/XX/2021 Dear XXXX XXXX Re : Collections Accounts This is to inform you that I've recently pulled my credit report and noticed that there's a collection from your agency on my credit report. I have never been notified of this collection. However, this letter does not imply that I refuse to pay this debt. Rather, I would like to dispute your claim. 

As per the FDCPA, I have the right to request a validation of this debt. I request you to prove that I am indeed the party who is by contract obligated to pay off this debt. 

I hope you are aware of the fact that reporting any invalidated information to major credit bureaus may constitute defamation of character, as negative listing on credit report does not allow me to enjoy the benefits of good credit. In addition, you must also be aware that until you validate this debt, you can neither continue collection activities nor report this information on my credit report. I'm sure your legal staff will agree that non-compliance with this request is likely to put your company in serious legal trouble with the Federal Trade Commission ( FTC ) and other state/federal agencies. 

Please attach copies of the following documents : 1. Agreement with your client that authorizes you to collect on this alleged debt. 
2. Agreement that bears signature of the alleged debtor wherein he promises to pay the creditor. 
3. Complete payment history on this account so as to prove that the debt amount you wish to collect is correct. 
4. Complete proof that your business is licensed to collect debt in the state of Illinois. Attempting to collect a debt while being unlicensed is a crime and I will contact my attorney if this debt is not deleted. 
5. I have proof that this debt was opened and reported on XX/XX/2021 and I never received any notice about it. A Transworld Agent informed me that a letter was mailed on XX/XX/2021 meaning that you all mailed the letter AFTER the reporting. I never had any time to receive the letter or dispute the validation which is in violation of the FDCPA and FCRA. Please delete these XXXX accounts from my reports With regards, Thank you for your time, XXXX XXXX
Consumer complaint received 2022-11-02
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: GOLDMAN SACHS BANK USA (NJ)

On XX/XX/22 at XXXX I used the Apple Card chat feature to let them know I needed a partial dispute. I was told they were working on it for about 2 hours but I saw a provisional credit for XXXX cents, not XXXX dollars. When I questioned it I was told it would be rectified. Over an hour later I asked for a supervisor that said it was input incorrectly and it would take up to 10 business days to correct. I asked to get a call. I was provided the phone number for the incorrect department. To file a simple dispute, I am STILL sitting here 4 hours later on hold for someone to rectify this situation and properly credit the account and file the appropriate dispute, or confirm it has been done thus far.
Consumer complaint received 2022-11-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CORELOGIC INC (AZ)

After reviewing my credit report, I have found numerous inaccurate names, aliases, and addresses that do not belong to me. 
I sent a dispute letter to the credit reporting agency to have the fraudulent, inaccurate, incomplete personal information removed from my credit report.
Consumer complaint received 2019-12-05
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 {$2500.00} 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 XXXX XXXX with ACCT # XXXX opened on XX/XX/2013 with a credit limit of {$2500.00} -This is not my account.