davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-21
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Early Warning Services, LLC (CA)

I used my zelle account through my XXXX XXXX XXXX XXXX app to send my wife {$180.00}. Right as it was approved my account was locked. The money was sent because my wife got a notification telling her I sent her {$180.00}. But when she went to get it there's no money.
Consumer complaint received 2022-07-12
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. (MD)

Equifax is reporting inaccurate and incomplete credit information. I am XXXX that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. XXXX XXXX XXXX - '' The latest credit report I checked still shows that this account is being reported inaccurately and incorrectly, despite the fact that I have submitted previous dispute to your agency. I urge your agency to reinvestigate this account and ensure that correct, fair and complete reporting is given. A charge-off account with a balance? Are you sure you know what you're doing? How come you keep on reporting inaccurate information on my credit file? I demand the immediate deletion of this inaccurate information. XXXX {$48.00}, XXXX XXXXXXXX XXXX {$530.00}, XXXX XXXX  {$1000.00}, XXXX XXXXXXXX XXXX {$480.00}, XXXX XXXX XXXX {$840.00}, XXXX {$0.00} - I see that these accounts have charge-off status and yet there is a past due balance on your report, do you know it is a violation? I urge your agency to re-investigate these accounts and ensure that correct, fair and complete reporting is given. I don't believe the status of these accounts are accurate either. Delete these accounts due to multiple violations, these delinquencies on my credit report should not be there. I demand proof that you went through all the proper and logical steps that would have been necessary to validate or refute my dispute. Please provide me with all instruments used to report this account on my credit report. If your agency is unable to do so, I demand that these accounts be removed from my credit report. I had requested that these accounts be verified and validated, I have not seen ANY PROOF from Equifax that this was ever done. I need all correspondence regarding the previous dispute including the data provided to make sure that this account is accurate. If your company is unable to do so, please remove these accounts from my report immediately.
Consumer complaint received 2021-11-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: DISCOVER BANK (IL)

On XX/XX/2021 DISCOVER CARD SERVICES denied me a credit card after receiving incorrect information about me and using that to make their decision. Before they sent the denial letter, I contacted them via their website chat and alerted them that the information they collected about me was false and they said my social security number was wrong at first and ran my credit again only to deny me a second time. When the denial letter came they had my name incorrect. They willfully collected incorrect information about me, used that to make a credit application decision and did not give me full disclosure that my social security number/card was not being used as identifier but as a promissory note solely for the purposes of obtaining a loan.
Consumer complaint received 2022-06-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (TX)

I am having Wells Fargo business checking account for years. 
Two major issues during last 2 months : My customer 's check was bounced due to error on Wells Fargo side as Wells fargo thought it's fraud. Wells Fargo never reached out to me for that. Already CFPB complaint. This week of check of {$5700.00} was returned when i deposited myself. When i called Wells Fargo - their incompetent customer service is making excuse that they can not understand it. I can clearly make out that he was doing this to avoid answering my question. This happened today on XXXX XX/XX/2022. 
In this week this is second time Wells Fargo 's customer service is making this kind of excuse not to help a customer like me. There is no diversity in Wells Fargo. People like me who are in XXXX for 2 decades are told that they can not understand me even when line is clear and it's well understandable XXXX. 
Moreover after two escalations also Wells Fargo could tell me what is the reason for this return check and whether Wells will charge me any fees. 

Wells Fargo created a case XXXX
Consumer complaint received 2024-09-27
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC (NJ)

When I cancelled my XXXX account, I was told by the representative on the phone, that I was due a credit on my account of approximately {$190.00}. I don't know why XXXX is looking for {$280.00} when I was told I would get a credit. I will not pay this as I was told I didn't owe any money on the account.
Consumer complaint received 2020-06-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Id like to file a complaint against Bank of America who I have been contacting for a long time but Im unable to interact with one decent person. Last time I made a complaint thru CFPB against Bank of America, I did a receive a call from someone who was trying to harass me over the phone. And I also remember when I spoke to the debt collection agency regarding my account, and I was told that theres nothing that I have to pay and I should contact the bank. I contacted the bank again and they werent listening anything. They asked me to contact the debt collection agency. Im sick and tired of this entire situation and I fail to understand why am I being harassed by Bank of America when I have made all the dues/payments and I dont owe them anything. 
Once again Id like to inform u the following charges due to which I have received severe harassment by the Bank of America : 1. An interest charge of {$1.00} on XX/XX/XXXX 2. An interest charge of {$3.00} and {$25.00} late fee on XX/XX/XXXX 3. An interest charge of {$1.00} and {$25.00} late fee on XX/XX/XXXX 4. An interest charge of {$1.00} and {$25.00} late fee on XX/XX/XXXX 5. An interest charge of {$1.00} XX/XX/XXXX 6. An interest charge of {$4.00} and {$25.00} late fee on XX/XX/XXXX 7. An interest charge of {$5.00} and {$38.00} late fee on XX/XX/XXXX 8. An interest charge of {$6.00} and {$38.00} late fee on XX/XX/XXXX 9. An interest charge of {$4.00} and late fee of {$25.00} on XXXX XXXX 10. An interest charge of {$3.00} and {$25.00} late fee on XXXX XXXX 11. An interest charge of {$4.00} and {$39.00} late fee on XXXX  XXXX 12. An interest charge of {$4.00} and {$39.00} late fee on XXXX XXXX 13. An interest charge of {$5.00} and {$39.00} late fee on XXXX XXXX 14. An interest charge of $ XXXXand {$39.00} late fee on XXXX XXXX  15. An interest charge of {$6.00} and {$39.00} late fee on XXXX XXXX  16. An interest charge of {$7.00} on XX/XX/XXXX A total of {$480.00} is the amount that the bank is asking me to pay. The amount was reversed but now I have been asked to pay.
Consumer complaint received 2022-08-20
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 (MD)

Wells Fargo VISA, Customer Service Reference : Wells Fargo VISA ending XXXX On XXXX I charged {$160.00} to my Wells Fargo VISA as payment for my XXXX XXXX XXXX XXXX  XXXX XXXX Maryland XXXX. That {$160.00} VISA charge has been in pending status since XXXX, and wont post. I called Wells Fargo VISA representative on XXXX and explained that I need to get this payment either POSTED or CANCELED. That representative suggested that I check back in a couple of days. I called back today XXXX and talked to another representative and explained the same thing to them ad nauseam. At this writing the {$160.00} transaction remains in limbo as pending, and wont post. 
Once again, I need to get this payment either POSTED or CANCELED. The payment is due now, not latter to USPS. The 2nd representative seemed to be clueless as to getting this accomplished. She put me on hold about six ( 6 ) times to speak to her team members and then came back to the phone to regurgitate what her team members told her to say.she is TOTALLY CLUELESS, no help what so ever. 
Today, I emailed the person ( XXXX XXXX XXXX ) who is listed on my account ( s ) as personal banker and explained all of this ad nauseam, but have not heard back. My understanding from a prior XXXX email is that although he is listed as personal banker on my account ( s ), in reality XXXX is not a personal banker on my account ( s ). Get the email from XXXX and fill in the blanks on that one!!! 
I called the USPS XXXX listed on the Wells Fargo alert email, and USPS was not able to help. USPS indicated that this is a Wells Fargo VISA error, and Wells Fargo VISA needs to fix it ASAP!!!! 
So, back to where I started, I need to get this payment either POSTED or CANCELED ASAP! Address questions ASAP!
Consumer complaint received 2022-08-20
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. (IL)

I have reviewed my credit file and noticed multiple inaccuracies on my report. I do not consent to this inaccurate consumer reporting. I, XXXX XXXX, am a natural person, and am submitting this dispute on my behalf.
Consumer complaint received 2021-11-22
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: CITIBANK, N.A. (NY)

I would like to thank your company for the many great years of service that I've experienced as a consumer. I have been very loyal during this time, however, I am requesting some assistance from you if possible. 

I've experienced some rough patches in life that were very difficult to handle due to some personal issues. I have always tried my best to get every single payment in on time, however, there were a few times in the past that I was late. Ever since then, I have been a great customer and have even paid early a few times. With the exception of those few late payments, my track record for paying on time has been great. However, the few times that I was late show up on my credit report, and this can make it extremely hard to qualify for a mortgage, auto loan, etc. as I'm sure you know. 

I would like to make a " goodwill request '' to have some or all of those late payments removed from my credit. I look forward to continuing to do business with your company, and I ask for you to please eliminate those late payments with the credit bureaus by filling out the " XXXX XXXX XXXX '' and faxing it to the credit bureaus that you report to. I really do hope you can help me out, it would mean the world to me and will help me qualify for a loan I need. his is regarding the account : XXXX, Account number XXXX
Consumer complaint received 2021-11-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (OH)

Attempted to process a temporary lift of a security freeze on XX/XX/XXXX on my Equifax credit report to apply for a credit card. I have the confirmation paperwork that Equifax sent me on XX/XX/XXXX when I initially placed the freeze on my credit report, which includes the PIN number required to lift or remove the security freeze in the future. I first attempted the lift by phone. The system never asked for my PIN number and tried to verify my identity by asking questions about accounts that did not apply to me. They never asked about accounts that are actually on my credit report to verify my identity. They then said that they can't process my request and that I have to mail copies of sensitive documents in the mail to process the request. That is a major security issue and I should not have to do that since I have the PIN number required to lift the freeze. I also tried to process the lift online and got the same result. I will not risk my identity by sending sensitive documents by mail when I have the PIN number required to lift the freeze. Equifax should only lift the security freeze with a PIN. If an identity thief knows my personal information without my PIN, he/she can lift my freeze and steal my identity. My paperwork says that the security freeze can ONLY be lifted with the PIN number I was provided. It should not be lifted ANY other way. That is a huge liability issue for Equifax if an identity thief unfreezes my credit report without my PIN number. This issue needs to be corrected so that I can manage my security freeze by phone or online with the PIN number I was provided with. If Equifax was serious about people 's security, they would not be bypassing the PIN number system that was put in place to protect consumers with security freezes. As it stands right now, my Equifax credit report is permanently frozen for life since I am unable to manage the freeze. Sending sensitive documents in the mail is NOT and should NOT be the solution.
Consumer complaint received 2021-11-22
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. (AZ)

I am XXXX XXXX and I am submitting this complaint by myself and there is no third party involved. 
I XXXX XXXX is a consumer, natural person and the original creditor and I know my rights. As a consumer I have the right to privacy and no third party has my permissible purpose to put anything on my consumer report. This is a violation/s Pursuant to FCRA XXXX XXXX XXXX XXXX XXXX ) and XXXX XXXX XXXX XXXX By reporting any payment history and transactional history not limited to student loan, auto loans, credit cards, installment loans and other accounts without my permissible purpose, Equifax is found to have violated XXXX XXXX XXXX ( XXXX ) ( a ) ( i ). As a consumer, natural person and original creditor, I will exercise my rights and pursue ANY damages incurred for willful noncompliance and negligence on behalf of Equifax. Equifax Does NOT have my permission to report any of my PRIVATE business from any creditor on my consumer report. Please remove all the accounts listed below and all the inquiries listed on my consumer report. I have in fact NOT given written consent to Equifax to furnish. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX College PLEASE REMOVE FROM MY CREDIT REPORT IMMEDIATELY!
Consumer complaint received 2022-08-20
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. (FL)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : XXXX
Consumer complaint received 2022-06-29
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: SYNCHRONY FINANCIAL (OR)

A fraud dispute with Synchrony Credit. The company agreed to refund original disputed charges. When checking the math, 3 of the disputed charges were not refunded. Attached is a screenshot of the Synchrony statement showing all refunded amounts. XXXX charges for {$360.00} and XXXX for {$410.00} ( {$1100.00} total ) were not refunded. Since my original balance was < {$800.00} before the fraudulent transactions in XXXX, and I have made around {$1200.00} in payments since then, my current balance should be a negative number. Note : Synchrony did not respond to my first letter to them in XXXX of this year. They did respond in XXXX XXXX CFPB.
Consumer complaint received 2022-04-12
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. (IL)

In accordance with the Fair Reporting act XXXX XXXX FIaccountNumber XXXXhas violated my rights. 

Date Opened XX/XX/XXXX Date Reported XX/XX/XXXX 15 U.S. 1681 section 602 A. States I have a right to privacy.

15 U.S.C. 1681 Section 604 A. Section 2 : It also states a consumer reportingagency can not furnish a account without my written instructions
Consumer complaint received 2021-08-27
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: Chime Financial Inc (DC)

I made a purchase through XXXX back on XX/XX/XXXX and due to Covid they had delays in shipping. I filed a dispute with XXXX  and they were working with resolving the shipping not arriving as proposed by the merchant. On XX/XX/2021 I received a small bag with nothing but a packing bubble. I contacted XXXX  with the pictures and they haven't responded nor issued me a refund on the purchase of 24 inflatable chairs. I then filed a dispute with my bank to which they have denied my dispute of fraud on the merchant. I'm out of {$140.00} and I need help with retrieving my funds from a transaction that everyone else has benefitted from but me.
Consumer complaint received 2020-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

XXXX XXXX keeps putting back a collection charge that was once removed and it is destroying my credit I need to email you my proof that it is completely paid off back in 2018. It shows up on all my credit scores and they dont have an email where you can send the proof it makes me mad that most people do not have fax machines or snail mail and I want this off my record. I have worked very hard to pay off all my debt and is destroying my life My name is XXXX XXXX the charge is for {$880.00} and was completely paid off by XX/XX/2018. I would like to send you copies of the charges paid.
Consumer complaint received 2020-06-21
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)

XXXX XXXX keeps putting back a collection charge that was once removed and it is destroying my credit I need to email you my proof that it is completely paid off back in 2018. It shows up on all my credit scores and they dont have an email where you can send the proof it makes me mad that most people do not have fax machines or snail mail and I want this off my record. I have worked very hard to pay off all my debt and is destroying my life My name is XXXX XXXX the charge is for {$880.00} and was completely paid off by XX/XX/2018. I would like to send you copies of the charges paid.
Consumer complaint received 2022-08-10
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. (MD)

I am a consumer, a natural person, and a protected person under federal law. In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX has violated my rights. Regarding alleged account # XXXX 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 an account without my written instructions. 15 U.S.C. 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 15 U.S.C. 1681 States that consumer reporting agencies are required to ensure that the needs of the consumer are met in a way that is fair and equitable in terms of confidentiality, accuracy, relevancy, and proper utilization of such information 15 U.S.C. 1681c2 : A Block and remove in 4 days.
Consumer complaint received 2022-02-04
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (TX)

When covid started I had multiple rentals that tenants were not paying and I couldnt evict them. Than once they left I had multiple repairs then the hard freeze last year with flooding and many repairs and expenses. I did do forbearance, which every time someone called from mr. Cooper on a recorded line I asked in advance to make sure it could be added to end of loan. EACH time I was told yes. Then when I tried to get our of forbearance, they would not let me start making payments until the full amount was paid. 2 of the 6 loans they own the lender agreed to loan modification, but several of them will not. I am at 6.5 % interest, well abound current interest, as well as 130,000 in equity as noted by mr cooper, yet they will not modify the loan or let me start paid monthly payments. We have never been late with them or missed a payment. We won our primary residence out right but are even unable to get HELOC or equity loan because we have investment loan in forbearance but can not get out of that till we pay {$15000.00} x 3-4. It seems like the help we were getting from them and then promised afterwards was not help and now all avenues of us getting out of this are shut because they will not work with up as they promised.