davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-19
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: WELLS FARGO & COMPANY (AL)

On XXXX. XXXX I was buying a flight ticket from XXXX to XXXX from XXXX for {$690.00}. When I attempted to do the payment their website gave an error stating the sale is not successful. I dont have a proof for this but then I received an email in XXXX  language clearly stating that the sale was failed. The email literally says Please note : Your XXXX - XXXX ticket has not been sold!. 
Then I proceeded to buy another ticket from another merchant for {$820.00}. 
Next day I realized XXXX charged my credit card for a failed transaction. I opened a dispute immediately with Wells Fargo. Today I learned that my dispute was denied. I contacted the bank and theyre saying that the merchant is right. And saying that I was contacted by the merchant to not buy another ticket which is not true at all. After I realized my credit card was charged I contacted the merchant to get my money back and they did not cooperate. Bank says I accepted their terms and conditions which I did but the email I received from the merchant clearly states that the sale was failed and I was deceived into thinking that I didnt get the ticket but they still charged my credit card for a service that I did not receive.
Consumer complaint received 2022-08-16
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: Experian Information Solutions Inc. (TX)

I have sent numerous documents to XXXX, Experian, and XXXX and have not received a response. It has been past 30 days!!! When I call to check on each respected document with each bureau I am given the " run-around ''. I am being told that they have not received the documents and that I should just mail them again. I have since mailed these documents a grand total of 3 times, I am still given the same response, I have verified the address of each bureau and confirmed it with management. I have wasted numerous dollars and demand a grand total sum of {$1000.00} per each transaction and I demand that ALL items listed on each letter be DELETED from my reports.
Consumer complaint received 2021-10-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: DISCOVER BANK (IL)

1- I tried to dispute a charge with Discover Card today XX/XX/2021. 
After I went through all its question pages, provided all the information it asked, wrote and explained things, composed sentences within the limited number of characters allowed, uploaded images, all that, reaching the submit page. There I read this message : you can not submit this online, call 1-800 .... I have experienced the same thing a few years back. It is not clear why Discover uses this deception to waste customers ' time? Why, for example, I am asked me to upload files if the case requires me to call? When I called Discover, waited on the phone and talked to someone, I learned that none of the information I provided online was stored. A complete deliberate waste of customers ' time. **** 2- I tried to find an email address and contact discover by email. There is none and the company does not provide an email. **** 3- I tried to send Discover a message from my Discover account. There is an inbox but no outbox!! I tried to compose a message but only messages related to some obscure subjects ( such as naturalization / change of name ) is possible. No possibility of contacting Discover for any real issues. **** 4- Discover has a chat line that pops up. I tried it. It is an AI garbage. Discover does not want to hire American workers to serve its customers and relies on largely useless AI gimmicks. **** All in all, terrible service.
Consumer complaint received 2021-11-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have been patiently waiting on their response to the written requests I sent about my accounts dated last XX/XX/2021. However, any modes of response or coordination were not taken on their end. Transunion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continuously reported as unverified information on my Credit Report. Below are the lists of the erroneous accounts reporting on my Credit Report : XXXX OF XXXX XXXX {$0.00} XXXX XXXX XXXXXXXX {$450.00} XXXX XXXX {$0.00}
Consumer complaint received 2024-12-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CITIBANK, N.A. (OH)

Fraud credit card opened in my name with CBNA. Account was opened XX/XX/XXXX and was closed XX/XX/XXXX with a overdue balance of {$2800.00}. XXXX, XXXX, XXXX, XXXX of XXXX where paid and then never paid again. I have called XXXX and they advised i call the CBNA overstock phone number and i filled a fraud dispute with them and they told me XXXX days for a investigation.
Consumer complaint received 2024-12-20
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (CO)

In XXXX of XXXX I purchased a XXXX XXXX XXXX from a fraudulent online website. It was over {$1000.00}. I told the bank about it as well as turning the company in to the XXXX. I just now saw the news about the lawsuit, and I would love to be reimbursed. I was thoroughly embarrassed by this situation and ashamed that I didnt see the company as a fake. Anyway I can find the specific amounts and the precise date. I just need to look through my account. I did tell the Wells Fargo. They were very nice but said they couldnt do anything about the money
Consumer complaint received 2021-11-29
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

To whom this may concern, I want to submit a complaint against Bank of America. I was totally mislead with the Forbearance due to Covid 19. In XX/XX/XXXX I was laid off due to the closing of my work. I immediately contacted Bank of America about my monthly house payment. I was told to go online and apply for a forbearance which I did. Before I did, I asked Bank of America many questions about this process, I was told not to worry, I would not lose my house, things would be worked out at the end and there were three options which they went over with me.

Option one, Pay off the balance owed at time of ending the forbearance. 
Option 2, Put the balanced owed on the end of the loan.

Option 3, Set up a payment plan to pay off money owed.

After three months of not getting called back to my job I applied for three more months which I went over the details again with Bank of America and was told not to worry. I continued this process for the 18 months as, I was never called back to work. I have just gotten a job in XX/XX/XXXX. The forbearance ended XX/XX/XXXX. I was contacted by Bank of America, and I started the process of a loan modification. After months of sending in paperwork after paperwork after paperwork. I was contacted weekly, and I also contacted them to keep up with the process. Every time Bank of America needed more information it was sent in that day or the very next morning. I was contacted Wednesday, XX/XX/XXXX and told that the loan modification will not go through, and I now have three options to go into : Foreclosure, a short sale or a deed in lieu. I have been totally sick to my stomach over this, as I dont want to lose my house and I was told every three months on the phone having to do another forbearance I would not lose my home and things would be worked out. 
I have been totally misled. I feel like I have been taken advantage of and they want my home. Not caring at all about working this out with me keeping my home. I hope and pray that someone can help me as I dont want to be homeless. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
I am begging and pleading for some help. 
Thank you for your time.
Consumer complaint received 2024-12-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (GA)

CITICARDS CBNA Credit usage 99 % Balance {$2900.00} Balance updated XX/XX/2024 Credit limit {$3000.00} The correct balance is {$1700.00} as we are refinancing and ask Citi to report the correct info.
Consumer complaint received 2021-10-04
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: I.C. System, Inc. (AL)

After reviewing my credit report there were several things incorrect on my report. please have these items removed as soon as possible after careful review. I have reported this to the credit bureau for removal. This is keeping me from obtains housing and a job.
Consumer complaint received 2021-10-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AMERICAN PACIFIC MORTGAGE (CA)

I filed another complaint about American Pacific Mortgage awhile back. It had to do with the removal of PMI from our mortgage. They responded and began to try to help me, but it seems they are back to dragging their feet and doing a half XXXX job on top of it. After they did a reappraisal, I disputed it stating that they compared our home unfairly. Im quite certain there is a conflict of interest as the reappraisal was quite low compared to homes sold around our area at the time of the appraisal. They have asked for a list of comparable homes, which I have sent, and not heard back on any action taken on their part. The only thing I received are letters with outdated financial numbers or letters stating that I should fill out the attached form and send it back ( there was no attached form ). It seems to me that they have protocol letters that they do not even bother to read to verify accuracy and send them out blindly. The last email I received stated I need to pay a certain amount to remove my PMI, which was completely inaccurate since it did not account for the latest appraisal. This company is the most incompetent and half assed group of people I have ever delt with. I have attached the last letter I sent to them disputing our reappraisal. Its been over a month and it seems they took no action and never even updated the first appraisal to give me an accurate number to pay to remove my PMI. Please investigate this horrid company and take necessary action to address any conflict of interest and the long wait times Ive had to endure resulting in outdated information given on their part. They steal peoples money and refuse to do their job. Period.
Consumer complaint received 2022-08-01
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: BANK OF AMERICA, NATIONAL ASSOCIATION (TN)

On XX/XX/XXXX XXXX I found out that Bank of America Credit card as well as XXXX additional accounts have been opened under my name without my acknowledge. Those accounts related to Bank of America and they are fraudulent without my permission. I have contacted Bank of America to close those accounts. I also found out that there is an address that ties to the fraud account is not my adddress that Bank of America used.
Consumer complaint received 2021-10-05
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (CA)

I was trying to help out friend sending money through PayPal.This was first time sending money to my friend and the name popped for a person I dont know with similar email I can see if knew the person. I called PayPal less than 5 minutes after the incident and let them know I made a mistake the rep told me that that the customer didnt speak English. I really need the money which put me in a hardship. I am demanding my money be refunded to me or I am going file small claims court.My credit union will not return the money because they said it was a PayPal issue.The email was supposed to be a XXXX and not XXXX.The name pops up which makes it confusing and the system doesnt allow you to manually type in name.
Consumer complaint received 2021-10-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (AZ)

On XX/XX/21 I deposited 3 money orders ( guaranteed funds ) to cover a payment that is coming out of my account by my apartments. At no time was I told via the mobile deposit ( which I was forced to do, do to USAA 's remoteness of deposit taking atm 's ) that there would be a hold placed on my deposit. When I called and spoke to a representative and explained the circumstance I was told there was nothing they would do. I explained the peril of XXXX and the ease USAA could take to verify the funds and offered to provide a copy of the money order receipt was still told " to bad so sad '' It seems USAA would rather have a XXXX veteran instead of releasing funds.
Consumer complaint received 2021-10-05
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit report. The following items were cause by fraud.
Consumer complaint received 2021-10-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On XX/XX/2021, I filed disputes with XXXX, TransUnion, and XXXX. XXXX fixed the issue. My complaint involves XXXX XXXX TransUnion. Despite having submitted evidence of identity theft, and supporting documents ( police reports from the XXXX XXXX Police Department, XXXX XXXX Police Department, XXXX Police, and XXXX Sheriff 's Office, along with the FTC Identity Theft Report, and Identity Theft Victim 's Complaint and Affidavit ) to XXXX and TransUnion, never conducted a human investigation. Instead, XXXX and TransUnion reduced all my evidence to a three-digit code and used an automated system to " investigate '' my dispute. The alleged creditors " verified '' the information as accurate. I've asked XXXX and TransUnion to provide me the " Method of Verification '' and both are entirely unresponsive to my requests. Have submitted repeatedly disputes the same accounts over and over and they have not given resolution to my disputes and now have been locked out of my on-line account. Initially, XXXX appeared to have conducted a human investigation, and initially deleted the disputed items but then placed them back on my credit profile AFTER having determined they were subsequent to identify theft.
Consumer complaint received 2021-10-04
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: HEARTLAND PAYMENT SYSTEMS INC (TX)

On XXXX XXXX I recieved a letter from Heartland ECSI threating to send me to collections for not setting a payment plan with them. When I called them the lady on the phone was extremely rude and told me that I could only pay {$720.00} a month was my lowest payment option. She also said that conneting to my back account that would make it easier to automatically take my payment.As a student who works a minimum wage job at a restraunt and has two unemployed parents who can not aide me with any of my school payments simply because they can not afford it is impossible to help me whith what I owe monthly. As of today, XX/XX/XXXX I call Heartland ECSI again with the same lady whom I talked when I first called and complained about my situation. She said there was nothing she could do and that I would have to contact the school. I told her that I wanted to talk to someone who would help me better in her facilty only for her to give me that phone number of my school which did not answer my call. I am servely upset that they took advanage of my situation and held it against me if I did not do what Heartland ECSI wanted me to do.
Consumer complaint received 2021-10-04
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. (NV)

On XX/XX/2021, I sent a letter in regards to off base and obscure things on my credit report. Right up 'til the present time, more than 30 days after the fact, I have not gotten a reaction at this point. I feel like I'm being taken advantaged of and being disregarded. Section 611 ( a ), It expresses that inability to examine these things inside 30 days gives motivation to quickly eliminate those things from my credit report. It's been more than 30 days so they ought to be erased speedily. I request that these records be erased promptly or I will petition for case because of the pressure you have caused me. My data was additionally affected by the Equifax data breach and may have gotten under the control of some unacceptable individual.
Consumer complaint received 2022-08-01
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2021-10-04
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. (NJ)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really XXXX  and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court
Consumer complaint received 2021-10-04
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: Experian Information Solutions Inc. (MO)

I have disputed an accountt with XXXX XXXX ( Formerly XXXX  ) multiple times ( XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ) in reference to late payments being reported.. XXXX  has payment status reporting for XXXX as XXXX not more than two payments past due '', XXXX as XXXX 30 days past due '', and Experian as XXXX paid account/was 30 days past due. XXXX has the close date as XX/XX/XXXX, XXXX as XX/XX/XXXX, and Experian does not have a close date reporting. Experian actual report has late payment reporting XX/XX/XXXX, XXXX 's report doesn't have nay payment history reporting, but is reporting a 30 day late payment, and XXXX 's report has late payment reporting as of XXXX XXXX XXXX. I have never been late on any payments, and I am not understanding why the bureaus are failing to investigate properly. Payments for this loan were due the XXXX of every month since the origination of the loan, which was XX/XX/XXXX, and I refinanced the vehicle with XXXX XXXX XXXX XXXX on XX/XX/XXXX. At the time that I refinanced the vehicle, there were no late payments reporting to my credit report. Then after I paid the vehicle off XXXX reported late payments. Please find attached how the account is reporting to my credit reports and my payment history/payment and notifications staring from XX/XX/XXXX to pay off of loan on XX/XX/XXXX.