davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (NM)

I had 7 fraudulent charges on my Wells Fargo Bank account in which someone got my bank/debit card number. I called Wells Fargo to report the fraudulent charge and close my debit card down. Wells Fargo credited my account for the charges while they were processing their claim. Now Wells Fargo send me a letter stating they'd completed their claim processing and said the charges were made by me. I did NOT make these charges. I have no products/services in my home nor receipts for such products. Wells Fargo sent me a letter stating they would deduct the total of the charges ( XXXX ) from my account. These are fraud charges. I am the victim. 
I requested Wells Fargo to send me the documentation they used to make their determination. They told me it would take 30 days for me to get this documentation. That is too long. The fraudulent charges are listed below : XX/XX/XXXX XXXX XXXX XXXX XXXX  {$5.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX TX {$12.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX TX {$2.00} XX/XX/XXXX XXXX XXXX CA {$47.00} XX/XX/XXXX XXXX XXXX CA {$77.00} XX/XX/XXXX XXXX FL {$4.00} XX/XX/XXXX XXXX  FL {$6.00} The fraud charges total {$150.00}. These charges are on my XX/XX/XXXX bank statement. Wells Fargo indicated in their letter they were going to take {$160.00} from the affected checking account. Why is Wells Fargo attempting to make me responsible for a criminals theft of my bank debit card and took money from my account? I have no receipts for XXXX products or any of the other products listed above. I did not buy the products/services above. A criminal did. I WAS THE VICTIM HERE. I WANT WELLS FARGO TO BE INVESTIGATED REGARDING THIS MATTER. I DON'T WANT TO HAVE TO PAY FOR WHAT A CRIMINAL STOLE FROM MY CHECKING ACCOUNT ... ... ... ..MY HARD-EARNED MONEY THAT I GO TO WORK FOR EVERY DAY TO EARN.
Consumer complaint received 2021-10-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc. (MD)

My PMI was not automatically canceled from my mortgage, despite being up to date on all payments and at 68 % of the principal balance. I called Dovenmuehle have it removed and it was done promptly. However, I then asked to have the premiums returned to me as the PMI should have been automatically canceled at 78 % and was not. I sent an email to the company, Dovenmuehle, who responded by saying that they were only responsible for removing the PMI once I requested it and not before and thus owed me no premiums. No mention was made of the fact that they were required to automatically cancel at 78 % and had not done so.
Consumer complaint received 2021-07-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: FIRST NATIONAL BANK OF OMAHA (CA)

In XXXX I applied for a loan on line asking for XXXX. To pay off loan I have with XXXX acct # XXXX XXXX. ( the first 8 numbers are x out ) because the interest was 12.5 % Soon after I applied I received an email saying Congratulations your loan was approved. 
I received no other correspondence until I received a bill on XXXX XXXX 2020 with the details if the loan. 
This was the first time I saw the terms and amount of the loan which turned out to be a credit card sponsored by my credit union XXXX and was a credit card not a loan. Acct # XXXX XXXX XXXX XXXX XXXX called First Bank that day. I asked why they were only paying XXXX. They said that in the fine print of the application it says they have the right to decide the amount of the credit. 
I explained that I did not agree to XXXX. I needed XXXX. 
They said well it's too late because the check had already been sent to XXXX. 
I tried again to explain that I did not agree to XXXX and I do not agree to your terms. 
I ask if the check had been cashed and they said no. So I asked them to place a stop payment on that check they mailed to XXXX on XXXX. 
They said the couldn't stop pay on a check until 21 days had passed after the date of mailings I tried to explain that that rule is for when a check had not been received. 
I was unable to speak to anyone in accounting who would know what a stop payment ment and how to implement that process. 
I sent letters, I called several times but all I got was a letter saying they had the right to choose the amount of credit. 
No answer to the fact they did not seek my approval for that amount and the fact I never agreed to their terms. 
I see this as a fraud. Get people to apply for a loan, give no info on the amount or terms and only allow them to speak to customer service who is not equipped to handle these issues. 
I wrote a letter, sent back the statements with notes but they refused to intelligently address the issue. 
What I need now is to have First Bank remove their reporting to the top 3 credit reporting agencies.FYIi XXXX cashed the check on XXXX
Consumer complaint received 2021-07-17
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. (IL)

talked to XXXX  rep from excutive response team XXXX on issue with being charged on acct that does not belong to me and had to pay XXXX to pay it off because it is reporting as collection on my credit report. informed if i pay it will show paid but will not be removed as collection. this acct number XXXX is not my acct and does not belong to me and was to be closed in XXXX of XXXX  as i spoke to XXXX reps multiple times on this. they forced me to pay the acct off due to defaming my character via credit reporting. the issue still persist and want corrtected and all credit reporting in negative manner removed immediately. this is a act of fraud and i was informed that info on this acct was in my name but at another address not my home address and under another telephone number that does not belong to me and paid by credit card that does not belong to me. need this resolved or litigation will follow.
Consumer complaint received 2021-07-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A. (NJ)

I have my mortgage with PNCBANK. They have just switched over to a new system where you get mortgage statements every month in the mail. I received my first statement with a statement date of XX/XX/XXXX. I noticed it had a past due amount of XXXX. This is incorrect. I have paid my mortgage in full on time for several years. Nothing is past due. 

I called PNCBANK Mortgage customer service and explained my issue to them and they investigated and said they could find no past due amount. They said they have had issues with the statements being incorrect and would send me a corrected statement. I received a second statement with a date of XX/XX/XXXX with the same XXXX past due. I called PNC Customer service again and after investigating they again said they do not see any past due amounts and they were going to open a complaint and someone would get back to me in 24-48 hours. Nobody ever called. I called them again in reference to another complaint with another account and while i was on the phone with them i checked on this complaint. They text messaged the guy they said its assigned to and he said he would get back to me in the afternoon on XX/XX/XXXX. Nobody called. I told them if nobody calls me on XX/XX/XXXX i am filing a complaint with the CFPB. Nobody called. 

Every time i have a issue that needs to be addressed with PNC i have the exact same issues. No calls back. Denials. Nasty responses which i will be detailing in another CFPB complaint. I had a escrow issue a few months back that had to do with a NJ Tax rebate which i spent hours on the phone about while i got denial after denial and finally they admitted i was right and adjusted my escrow and my payment in my favor. My account history definitely needs to be looked into. When is somebody going to hold these banks accountable. I thought that with the new administration this was not going to be allowed to go on anymore and they were going to be held accountable. The escrow situation i described above goes on every year. I live in NJ. Residents get a Tax rebate that has to be applied. They don't do it and when you call them they deny that there needs to be a change. They get verbally nasty. I am a customer and should not be treated in that manner. 

There is absolutely no accountability ... None. I thought things would have changed since XXXX. Nothing has changed. They are operating the same way as they were in XXXX. On another matter they were told that because of the COVID situation they were supposed to reach out and help people out. They are helping no one out. Same as in XXXX. I asked them how are you helping homeowners out? They had no answer. They are so irresponsible that they have to have a CFPB rep sit in on their meetings to make sure they are doing the right thing.
Consumer complaint received 2021-08-16
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

I am a XXXX military member on XXXX XXXX. I recently pulled my Experian report and noticed Experian is reporting an account inaccurately on my consumer report and have yet to remove the account, which is a violation of the FCRA section 611. I have sent Experian a dispute letter and i have disputed the inaccurate account online. Experian keeps saying it's verified without giving me any documentation on how the account was verified. I am the consumer, only i can verify the account. This inaccurate reporting of this account is ruining my reputation and might cause me to lose my security clearance with the United States XXXX, which i could lose my job.
Consumer complaint received 2021-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am a victim of identity theft and I have tried to correct the inaccurate, incorrect and misused information on my profile multiple times, and this company refuses to correct it and tells me its verified. I have shown proof information is all inaccurate and still they claim its verified.
Consumer complaint received 2021-07-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

I found out from the credit reporting bureaus XXXX XXXX and XXXX  that there was a negative account under " Portfolio Recovery Associates, LLC under account number XXXX. Portfolio Recovery Associates, LLC has failed to provide any legal validation or a letter in accordance with the Fair Debt Collection Practices Act. I am seeking proof that this debt is mine and will require a copy of the original contract under which the credit account was obtained, as well as monthly statements since the debt was purchased. I have sent several letters, including notarized formal validation letters seeking this verification and to this date Portfolio Recovery Associates, LLC has failed to provide the information requested. Portfolio Recovery Associates, LLC is clearly in violation of the Fair Debt Collection Practices Act and I will seek legal action against this company for the practices if the issue isn't resolved immediately. Portfolio Recovery Associates, LLC has not provided the undersigned with any evidence to substantiate its claims that this debt is a legitimate debt. Further, there has been neither proof that Portfolio Recovery Associates, LLC has permission to collect this debt, nor have they provided previous verification of this debt. Finally, I have received no information that Portfolio Recovery Associates, LLC currently possesses any documents of this debt. Since this company has failed to provide any evidence of the claims made in their response, I am led to believe that neither Portfolio Recovery Associates, LLC possesses adequate documentation to collect this alleged debt. Until the above referenced documentation is provided, the undersigned 's position is that this debt does not exist and a reporting error has occurred. Finally, unless this documentation can be provided, Portfolio Recovery Associates, LLC shall immediately remove this account from all three ( 3 ) credit reports and shall be subject to any and all costs, including attorneys fees, should I pursue this matter further.
Consumer complaint received 2021-07-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BARCLAYS BANK DELAWARE (NY)

I have called Barclays twice to cancel my XXXX card. Each time I brought up cancellation, the agent disconnected the call. Barclays will not cancel my card and is now reporting it past due with credit bureaus, negatively impacting my credit score.
Consumer complaint received 2021-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: National Credit Adjusters, LLC (VA)

XXXX XXXX XXXX {$2600.00} i have never done business with this 3rd party and they continue to report past due for 3 years causing much injury to my credit report and livlihood, they have no right to create a debt from an unknown source i have not had credit with in 2018 as showing reported. 

my social security number is not linked to that initial account
Consumer complaint received 2021-07-17
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

" Complaint about silently introducing low balance fees and not providing any notification which resulted in XXXX {$750.00} in fees from my checking account. '' Details : I opened a checking account with Bank of America as a student in XXXX since it did not charge any fee for low balance. I used it a lot during my student days, often maintaining a low balance without any maintenance fees. Apparently, a fee was introduced for balances less than {$1500.00} sometime after my account was opened. Over time, I was using the account less and less, and in XXXX, I made a withdrawal that reduced my balance to {$750.00}. Then, in XX/XX/XXXX, I received a notification that my account will be closed due to inactivity. I log into my account and see that my entire {$750.00} balance has been used for paying a {$12.00} per month fee since XXXX. I can provide copies of bank statements if needed. My issues with the above are : 1 ) I did an in-person withdrawal in XXXX. Given that I opened the account when there were no fee, I feel that the banker should have informed me that my balance is below the {$1500.00} and a fee will be charged. 
2 ) Bank of America did not notify me that a fee is being charged to my account for 5 years. Only emails I received was that a statement is available. Only notification they sent me is when the balance is low enough so that they can't charge the fee. This seems like an unfair practice to me. My other bank notifies me when a fee is charged. 

I tried resolving the issue with the bank. After spending many hours on the phone, I am told that all they can do is revert 90 days of fees but if I want anything more I should go in person to the bank. I do that and they tell me to wait for a banker. Again, after waiting for an hour, they tell me that I'm wasting my time and I should just call the customer service to get my 90 days of fee refunded. After spending another hour on the phone, they tell me that they can't even revert 90 days of fee. At that point, I give up and ask them to close the account. I hope others can learn from my experience and never do any business with the Bank of America.
Consumer complaint received 2022-06-28
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. (TX)

The Office of the Attorney General is the official child support enforcement agency in Texas. In addition to enforcing payment, the AG 's Child Support Division helps locate noncustodial parents, establish paternity, collect and distribute payments, and review and adjust child support orders.

15 U.S. Code 1681s1 - Information on overdue child support obligations Notwithstanding any other provision of this subchapter, a consumer reporting agency shall include in any consumer report furnished by the agency in accordance with section 1681b of this title, any information on the failure of the consumer to pay overdue support which ( 1 ) is provided ( A ) to the consumer reporting agency by a State or local child support enforcement agency ; or ( B ) to the consumer reporting agency and verified by any local, State, or Federal Government agency ; and ( 2 ) antedates the report by 7 years or less.

As noted above in the referenced statute concerning Credit Reporting Agencies, the only permissable purposes of reporting child support payments/non-payments has to come by " A State or Local child support enforcement agency ". The State of Texas is the only child support enforcement agency that's legally authorized to report child support payments/non-payments. XXXX, XXXX, & Experian are violating the FCRA by reporting child support payment history via-third party agency. The State of Texas does not have an account with E-Oscar that allows their computers to communicate with each other. 
The following account is in violation of the FCRA : 1. OAG Child Support Enforcement opened XX/XX/2016 15 U.S. Code 1681e - Compliance procedures ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
Consumer complaint received 2021-07-18
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

On XX/XX/2021 I wrote each credit bureau to dispute negative items to date they are in violation due to them not responding within the 30 days time frame. I explain in my letter that I will pursuit legal matters
Consumer complaint received 2022-02-25
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. (AR)

{$310.00} from XXXX XXXX XXXX opened XX/XX/XXXX after it was removed last year they re submitted it to the credit bureau. Also on XX/XX/XXXX a car lot ran over 7 hard inquiries on me that I did not authorize. And the same go for the following dates XXXX, XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. These items have caused me hardship and pain in my life. My score has went down over 140 points in the past year causing me to go from good credit to poor for something I did not do. Iv called the companies that have these on my record and they stated they don't have any record of me and I will have to contact the credit bureau but they haven't done anything at all to resolve the situation causing more hardship on there end.
Consumer complaint received 2021-07-17
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: KEYCORP (NY)

I received a check for {$2700.00}. It was for secret shopping. The check was received on XX/XX/XXXX but I deposited it around XX/XX/XXXX. I never spent the money. I never used the money or withdrew it. KeyBank found it as scam/fraud check so they restricted my account. I can not pay my phone bill or anything like that because all my direct deposit goes to that bank. I have no access. There has been no follow up email. I still have everything they gave me to use as proof except the email they used.
Consumer complaint received 2021-07-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BBVA FINANCIAL CORPORATION (TX)

I was charged a {$99.00} annual fee on XX/XX/XXXX. I called to close the account by phone on XX/XX/XXXX. The account was closed but the fee did not refund. They then processed an automatic payment on XX/XX/XXXX and took the {$99.00} from my checking account. 

I contacted them by phone on XX/XX/XXXX. I was told I wouldn't get the annual fee refunded. They indicated that I had used the account this year and owed it. I disagreed and asked to be transferred. I was transferred to a department that then hung up on me. 

I have not used the card since XX/XX/XXXX. The annual fee is a prepayment for the ongoing year, not a bill in arrears. 

Further, nothing in the term indicates that the fee is non-refundable. Industry practice is to refund the fee if contacted within the billing cycle.
Consumer complaint received 2023-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: MARINER FINANCE, LLC (PA)

I had home remodel. The Salesman visited me on XX/XX/23 and later that evening called to ask for income info. He applied for 2 loans in my name. I was denied and the other a finance company approved it. I never had any contact with either company. 
I did not ask or was told all he was doing. The finance company paid him {$25000.00} and I still do not know what he agreed to. I have a monthly bill of {$470.00} a month at 13.50 % interest. I see Realestate loan, I see Auto loan, I see secured loan. I don't know if it's fixed, variable or balloon. I have paid it twice and don't know what was on the application. I never saw and don't know.