davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (NY)

My account with wells Fargo has been closed since last year of XX/XX/2022 because of an error on theyre behalf with calculations. Last year of XX/XX/2022 I had deposit money into my account, an amount of about {$2000.00} dollars before depositing the amount I had already had money in my account and had purchased flights to XXXX along with hotel stay as well. Once I got to XXXX the money of about roughly {$2000.00} which I believe was a little more than {$2000.00} was put into my account and wells Fargo had charged me twice for everything I admittedly contact custom service and made them aware of what they had done and they reimbursed me the funds. Now those funds didnt right away go directly into my account as you know it takes about 3-5 business days I had to deposit more money into my account as i need money to get around and track my spendings and so I did. At the end of my trip once I got back home Wells Fargo had calculated my spending and everything was deducted properly which left me with a balanced of XXXX dollar not including my reimbursement funds that hasnt reached my account yet at the time. As a week goes by I log on to my account and see that my account was over draft almost XXXX closely to XXXX hundred. Once again I called customer service to explain everything that had happen and this time there was no help what so ever Im fact was given the run around about how the things were calculated and about my reimbursement. I became frustrated because the representative had told me there was nothing she couldnt do and I would have to pay that amount that I was actually suppose to be my money not deducted I got upset and explained to her how Ive been a customs with them for over two years and they should investigate more. But because my account was already under investigation due to my {$2000.00} being deducted twice for payments I had already mad prior to putting that money into my account I had to wait for a response and the reimbursement. I hung up out of anger leaving me with no solution and a month to two months later a closed account. I was highly upset if the lost I took with Wells Fargo that through out the two months I was depressed and stressed because I felt hopeless and left with no options or help. Im making this complaint because hopefully this can help someone else who is currently in my shoes and this would get them the correct solution and justice they deserve.
Consumer complaint received 2023-01-21
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. (IN)

I just received my credit report and noticed unauthorized items that shouldnt be reporting to my credit profile And in accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXXXXXX, # XXXX, # XXXX has violated my rights 15 USC 1681 section 602 A. States that I have the right to privacy 15 USC 1681 Section 604 A Section 2 It also states a consumer reporting agency can not furnish an account without my written consent If you have any questions or concerns I can be reached at XXXX
Consumer complaint received 2023-01-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I tried to log into the Trans Union system to initiate a credit freeze using the correct password and id. It immediately locked my account. It took several calls spread over several hours to get this corrected. They have a lame phone system that takes all your personal information while trying to redirect you to a chat system when you want to talk to a human. Once you get to the human, you have to repeat all the ID information again. 
It turns out that the problem was that Trans Union does not handle VPN connections properly. VPN is a good safe way to be protected from spies and hackers. Why can't Trans Union accomdate that?
Consumer complaint received 2023-01-21
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. (LA)

I have two accounts that are closed and I would like to have them removed from my report. I have tried to dispute them with the reporting agency and they have yet to respond to the accuracy of these accounts still being on my report.
Consumer complaint received 2023-01-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report. please remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 

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 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 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 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 2020-07-18
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. (TN)

On XXXX XXXX I sent an Express Mail Letter via the United States Postal Service to Experian requesting a Method of Verification on a 30 Day Dispute Results that I had Received from them on XXXX XXXX 
The File Number for the Dispute is XXXX One of the Accounts was a XXXX XXXX XXXX  XXXX Account Number XXXX On my Recent Credit Score Results ... my FICO Score dropped by 14 points ... They Reported 20 Chargeoffs on XX/XX/2020 ... Now they have 30 Chargeoffs in XXXX XXXX 

Experian continues to ignore my Request to get Information on their Method of Verification of this Negative Inaccurate Reporting on my Consumer Account ... 

XXXX  has already Removed the same Account in XXXX XXXX
Consumer complaint received 2023-01-21
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: ALLY FINANCIAL INC. (IL)

I was in an accident in which my auto insurance sent my car to the shop to get repaired and then refused to pay the full amount of the repairs. It turned into a legal fight for my car and the repair shop held my car on a mechanics lean. My car was at the repair shop from XXXX to XXXX. I called Ally multiple times to arrange something with them as Im a single mom who had no vehicle which ultimately caused me to be let go from work. I also was not even in possession of the vehicle and they refused to make any accommodations. I have tried several times to get ahold of them and have clear communication but they never answer the phones and every call contradicts the last.
Consumer complaint received 2023-01-21
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. (AR)

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXXXXXX Balance : {$430.00} ; XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$47000.00}
Consumer complaint received 2021-03-22
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CITIBANK, N.A. (NY)

1. My first request was On XX/XX/XXXX ( I requested from Citi/Citibank N.A./Citigroup Inc./Citibank/Citicorp Credit Services/Citi Mastercard/Etc. ), XX/XX/XXXX and on XX/XX/XXXX I requested from XXXX XXXX XXXX XXXX XXXX and Citi/Citibank N.A./Citigroup Inc./Citibank/Citicorp Credit Services/Citi Mastercard/Etc. to provide me with a NOTARIZED AFFIDAVIT VERIFICATION & VALIDATION of Debt form ; to date I NEVER received it. XXXX XXXX XXXX XXXX XXXX XXXX keep sending me are statements with NO Charges from a credit card. That's NOT validation of debt! That is a violation. 
2. NEVER gave XXXX XXXX XXXX XXXX consent to contact me in any way ; they keep sending messengers to the address and those people are literally THROWING envelopes at my window. That is a violation. 
3. XXXX XXXX XXXX XXXX have ruined my reputation. That is a violation. 
4. XXXX XXXX XXXX XXXX are using false & misleading representations. That is a violation. 
5. XXXX XXXX XXXX XXXX are attorneys ; a debt collector can not be an attorney nor can an attorney be a debt collector. That is a violation. 
6. As a CONSUMER I have a right to request validation of a debt pursuant to 15 USC 1692g. I requested VALIDATION ; competent evidence of a legal obligation of the debt and/or a legal obligation to pay you which has NOT been received for over one year and you ( XXXX XXXX XXXX XXXX XXXX are still ruining my reputation and harassing me. 
7. One of them is calling all day and sending negative threats, court date papers, and statements in the mail. Thats NOT what was requested ; I requested VERIFICATION. BY THEM DOING OTHERWISE .... That is a violation.
Consumer complaint received 2021-04-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (CA)

i've contacted the credit bureaus several times and i have spoken with the supervisors at the bureaus XXXX, XXXX, and equifax and the negative fraudulent accounts are still reporting on my credit reports ... below are the negative accounts that i demand to have deleted immediately or i will be forced to pursue legal action : Chapter XXXX Bankruptcy-XXXX  Chapter XXXX Bankruptcy-XXXX Chapter XXXX Bankruptcy-XXXX-XX/XX/XXXX
Consumer complaint received 2021-07-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: ARVEST BANK GROUP, INC. (TX)

I need to file a complaint against my mortgage company, Arvest Central Mortgage Company ( XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, AR XXXX / XXXX / XXXX ). They charged my escrow account twice in the same amount of {$2100.00} on XX/XX/XXXX and XX/XX/XXXX to pay the property tax to county. I sent them a message through their website to tell them that they paid duplicate property tax payments to county, but they didn't confess their mistake until I sent them few more messages. They sent me three or four incorrect escrow account annual analyses in few weeks. Finally they agreed to waive the escrow account and refunded the balance to me. My escrow account has been closed on XX/XX/XXXX ; however, they have not refunded the {$2100.00} that they charged me twice. They said they have requested county for the refund. Since that is their mistake, why I got penalized? They could not tell me when I can get back my {$2100.00}. I request they refund to me {$2100.00} immediately.
Consumer complaint received 2023-01-21
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)

This letter is being sent to you in response to the account furnished in my Report. When asked, your office replied that the dispute regarding the validity of the debt is not raised within the prescribed time period therefore, the same is furnished in your Report. According to 15 USC 1692a. ( 5 ) The term " debt '' means any obligation or alleged obligation of a consumer to pay money arising out of a transaction in which the money, property, insurance, or services which are the subject of the transaction are primarily for personal, family, or household purposes, whether or not such obligation has been reduced to judgment. Further according to 15 USC g. ( c ) The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer Therefore, I would like to inform you that this debt is not valid and my failure to dispute the validity of the debt will not amount to an admission of liability. I further request you to kindly remove this alleged debt from my Report Thank you for your cooperation Sincerely XXXX XXXX
Consumer complaint received 2021-12-20
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PNC Bank N.A. (IL)

We started the online process of refinancing our original mortgage with PNC on XX/XX/2021 ( reference number # XXXX. ) I have saved all the emails from XX/XX/2021 to XX/XX/2021 to employees of the PNC mortgage department, except the secured emails from PNC as they are unavailable to access. I will outline the experience my wife and I went through as PNC employees disassembled the whole refinance process over a 5 month period and denied us a mortgage. 

XXXX XXXX, mortgage officer, and I started communication after the online application. I completed all the portal steps for application in timely fashion, day or two. In the months of the conversation of emails I inquired many times about the holdup with the refinance, why was it taking so long. I was told there are alot of applications and people are overworked. I could understand that process, but a refi for an existing customer seemed like a slam dunk. That is why I went with PNC in the first place. 

Eventually, the process was moved to XXXX XXXX, one of the closers ( paper shufflers. ) The paperwork nightmare on many levels, especially XXXX XXXX, spiralled down in that I became concerned about lost documents. Requiring me to resubmit the same documents made me question the integrity of the process and safety of my financial information ( taxes, bank statements ). I wasn't sure why my documents became lost, one document was sent 3 times by me to PNC. I asked to talk with a supervisor, to give feedback about the process, as it was taking months. 

XXXX XXXX contacted me and began to attack and blame me. I wanted to find out why it was taking so long and he became aggressive. He did not respond at all to my concerns. In fact he cancelled the loan and I have not every been informed as to why I was not given a mortgage. He actually blamed me for the mortgage not being completed and retaliated by dropping my application after I told him I wanted to talk to his supervisor, XXXX XXXX, that I was going to report to the CFPB. I never heard back from XXXX and XXXX, despite requesting a formal internal investigation by PNC about the process of my application. 

I was never told why my remortgage took 5 months to come to some conclusion that I wanted to close on that mortgage rate which was locked in at 3.00 %. Since I was locked out of the process I can only conclude the refusal to move my mortgage along was due to my wife and mine age, we are both over 65 years of age. I think the way they handled me was discriminatory based on age. 

Nonetheless, I reapplied at our personal bank and received a refinance, of course at 3.25 %. Looks like I lost because PNC discriminated against my wife and I, due to age.
Consumer complaint received 2023-01-19
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: MIDFIRST BANK (FL)

Hello, Midland Mortgage Company is screwing me over! I am desperately needing help to argue that what my mortgage company is doing and has done to me is and should be illegal. I was approved for a loan modification in XXXX XXXX XXXX  which was to bring my loan completely current. But, in fact they decided to tack on a ton of fees that i shouldnt have even have happened on top of the loan that they say is past due and also the amount keeps going up instead of staying the same amount which is what the mortgage company told me it would do. They also told me that i did not have to pay that past due amount till the end of the loan, but it is on my credit and also i can not get assistance from any agencys because it shows that i have a past due amount of over XXXX XXXX XXXX right after i had been approved for a modification! After all this I wasnt even supposed to have any fees at all since the application for a loan modification was supposed to put the whole account on hold while the application was being processed so that too should have been illegal. Please help!!
Consumer complaint received 2020-06-10
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: BARCLAYS BANK DELAWARE (FL)

This credit card dispute was called into Barclay 's bank on XX/XX/2020. To date, XX/XX/2020 - all I get is " it is STILL under investigation ''. In regard to this dispute the Bank has also NOT issued a temporary credit and has required that I pay all amounts billed in full, or pay the interest and penalty. They told me resolution could take 90 days and they do not issue temporary credits. That is unacceptable. XXXX XXXX  and all other banks, gives temporary credits immediately upon receiving the dispute. 

This is summary of my letter to them : Dear Barclays Bank Dispute Dept. 

Claim Number - XXXX Credit card ending in XXXX Amount in dispute {$4500.00} On XX/XX/2020 I purchased 6 tickets, plus 6 seats ( one @ {$70.00} and one @ {$30.00} ), for a grand total of {$4500.00}. These charges appear on bill due XX/XX/2020. 
Two flights were for XX/XX/2020 with return on flights for the XX/XX/2020. In XX/XX/2020. I received an email from XXXX XXXX that the all 4 flights were cancelled. Page A1 & A2 - in attached backup uploaded file. XXXX XXXX offered to allow us to re-book. They NEVER offered us a refund for the cancelled flights. 

As per U. S. Department of Transportation Enforcement Notice dated XX/XX/2020 and uploaded here as documents B1 & B2 where it clearly states, Carriers have a longstanding obligation to provide a prompt refund to a ticketed passenger when the carrier cancels the passengers flight.. 

Also stated on document B2 that it is essential for the carrier to notify the passenger that it provides refunds if the carrier cancels the fights. 

XXXX XXXX did NEITHER. I was never notified or offered a cancellation refund. 

I therefor officially dispute these charges and turn to you to instruct Barclay 's Bank to promptly credit my account for above sum. 

List of charges is on the next page below. 

Attached is copy of reservation showing cancelled flights and also a copy of the Dept. of Transportation Order. 

Attached is copy of my fax receipt to show proof that i sent 6 pages via fax. This is same as what was uploaded to you.. 

I am also uploading the pages from my statement that shows these charges. Please keep this page confidential Date Amount XX/XX/2020 {$660.00} XX/XX/2020 {$660.00} XX/XX/2020 {$660.00} XX/XX/2020 {$660.00} XX/XX/2020 {$660.00} XX/XX/2020 {$650.00} XX/XX/2020 {$70.00} XX/XX/2020 {$70.00} XX/XX/2020 {$70.00} XX/XX/2020 {$70.00} XX/XX/2020 {$70.00} XX/XX/2020 {$70.00} XX/XX/2020 {$30.00} XX/XX/2020 {$30.00} XX/XX/2020 {$30.00} XX/XX/2020 {$30.00} XX/XX/2020 {$30.00} XX/XX/2020 {$30.00} Grand total of Disputed amount {$450000.00}
Consumer complaint received 2023-01-21
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

This complaint is related to dispute XXXX. I dont understand how could this dispute was closed in merchant favor and I had to submit a rebuttal statement. In all my past experiences with capital one credit card, I dont think Ive ever won a single dispute. It always closed on me on 1st initial round of dispute. And then I had to go through the rebuttal rounds to get the money back. Btw, this dispute is related to a package of returned merchandise. The tracking number is XXXX. 
I got a charge back since merchant says I only returned 2 items out of 3. 
# 1, how could customer return a XXXX lbs package that only has 2 tishirts. 
# 2, Isnt credit card company only needing a tracking number for issueing a credit? but capital one declined my complete claim. 
Also, capital one as an online bank, it doesnt allow customer to write to capital one online, and it only accepts a customer statement by fax or by a secured link, and the secure link doesnt accept any screenshot in png format and it has a total upload limit of 10mb. It is ton of hassle to file a {$30.00} dispute. I always have to print out a statement and then scan and then upload to capital one secure link, and sometimes it fails either by connection or due to its size limit for each domucent of 2mb. And one more, capital ones transaction support call center is probably located in XXXX, and customers have to scream to make themselves heard. All those things add up and successfully depressed customers to dispute, especially the amount is small. 
Because of all those hassle of dispute system, its a lot of burden for customers and I think capital does this intentionally to depress disputes. 
CFPB, Id suggest you start an audit to see how many credit card disputes that capital one has declined. Is it true that capital trying to depress dispute and doesnt allow customer to communicate smoothly? Also, CFPB, please consider regulate online banking to set up an online dispute center that has certain requirements for mandate online channel to communicate. It makes no sense for a national online bank doesnt have a way to initiate a dispute online and provide customer case statement/ brief directly to an online bank. The online bank is then a handicapped online bank since it overpowers the bank and under powers customers power online. 
One last note, I have to compliment XXXX XXXX XXXX, which gives customer much more covinient ways to dispute.