davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-10
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (AZ)

I send money on XX/XX/XXXX to a company called XXXX XXXX. The leader is XXXX XXXX. with office in XXXX and XXXX. I send XXXX which is the fee for his organization to find me partners to finance my projects in XXXX XXXX. Their time line of 12 month past on XX/XX/XXXX. I ask for the money to be reimburse and they promise to do that. 

WELLS FARGO BANK did not poste the Money {$3100.00} I made a claim om XX/XX/XXXX. Wells Fargo agents keep telling me that they are still working on my case until XXXX day XXXX Agent from Wells Fargo told me the XXXX XXXX  WHERE THE MONEY SAID THE COMPANY XXXX XXXX REFUSED TO REIMBURSE THE MONEY. 

I went to a local Branch to Complaint. I taked to XXXX XXXX Associate Personal Banker NMLS ID ; XXXX. XXXX, ARIZONA. 
XXXX XXXX call the Transfer Services of WELLS FARGO and they verified my Identity and ask XXXX XXXX if I was in person in her office? She said Yes. After that they told her to tell me that my case still open. 

Right the way I find out that there is a fraud taking place. XXXX XXXX told me the Transfer services want me to go home and they will write to me by email. Until today I did not received any email about my claim from Wells Fargo. I call XXXX XXXX and they telling her the same story. 

I am coming to you to complaint against Wells Fargo Bank to Reimburse my {$3100.00} in my Checking Account.
Consumer complaint received 2022-04-25
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. (NM)

in accordance with the Fair Credit Reporting act. in accordance with the Fair Credit Reporting act. The List of accounts below hasviolated my federally protecled consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 002 A. Stales I have the right to privacy.

15 U.S.C 1081 Section 604 A Section 2 : It also stales a consumer reporting agency can not fumish a account without my written instructions 15 U.S.C 1681c. ( X5 ) Section States : no consumer reporting agency may mako any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years 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 2020-12-04
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: ALLY FINANCIAL INC. (WI)

On XX/XX/XXXX, I applied to refinance my mortgage with Ally Home Loans. The statement on their website is " If you already have an Ally account, we will pay {$500.00} towards your closing ''. I have an account with Ally and wanted to take advantage of the lower interest rates in the market. I applied and the offer at the time was 2.9 % for a 30 year loan. Wanting to lower my payment further, I applied to purchase points to get a 2.375 % rate for the 30 year loan. In the initial disclosures, the point cost was roughly {$5800.00} with a {$500.00} discount ( the {$500.00} towards closing promised ). During the remainder of the month, we completed all of the paperwork for closing. After all of the information was settled, the loan amount was estimated to be {$390000.00}. Part of the closing costs was {$8200.00} fee for 2.103 points being purchased. I did research and came to an understanding that : 1 point = .25 % discount ( standard among lending institutions ) Purchasing of 1 point cost = 1 % of the loan ( standard among lending institutions ) According to our loan, the following would then apply : 2.9 % ( rate w/o points ) - 2.375 % ( rate with points ) = .525 % discount .525 % discount / .25 % ( discount per point ) = 2.1 points 2.1 points = 2.1 % of the {$390000.00} loan value = {$8200.00} points fee ( small difference due to rounding from 2.103 % ) I asked about the {$500.00} discount, which was supposed to be taken out of the points fee, and they responded that it was already included. They further responsed that they would have charged me {$8700.00} ( {$500.00} more than the standard among lending institutions ), but discounted that fee by {$500.00}. Basically, they are overcharging me {$500.00} for points and then discounting that overcharge to bring me back to the standard among lending institutions. I verified that XXXX  XXXX XXXX would have charged {$8200.00} ( 1 % of the loan per point OR {$390000.00} x 2.1 % = {$8200.00} ) per their website : XXXX  : XXXXXXXX Ally should only be charging me {$7700.00} ( {$8200.00} standard - {$500.00} discount ).
Consumer complaint received 2021-08-09
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

On XX/XX/2021 I woke up and got an email that my account was overdrawn. I checked and there was a charge for {$1700.00} from some type of XXXX purchase that I did not authorize which completely wiped out my checking account and left {$60.00} in my savings account. I immediately went to a local Bank of America branch and was told there was nothing that could be done. I checked XXXX and there is no record of this charge or order on my account. I called to customer service and was told there would be a credit placed on my account within 24-48 hours and when no credit appeared on Thursday I called back and was told it would be escalated. At this time I also requested that my debit card be cancelled even though it was still in my possession to avoid any other issues. Today is now Monday XX/XX/2021 and my account is still overdrawn, and Bank of America has charged additional fees to my account and nothing has been credited back and I'm being told it could take up to 90 days for the money to be returned. This is totally unacceptable and Bank of America doesn't seem to care or want to do anything about it. They said it had been escalated again today and could take up to 10 business days before it is reviewed. Now I have no money in my accounts when there should be over {$1800.00} available and am waiting on a new debit card to be sent out so I can at least withdraw the remaining {$60.00} that's left in my savings account.
Consumer complaint received 2021-02-03
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: PENTAGON FEDERAL CREDIT UNION (CA)

Booked a hotel room at XXXX XXXX XXXX via XXXX on XX/XX/XXXX using Penfed credit card, card # XXXX. Cancelled on XXXX. Expecting a full refund. 
XXXX booking confirmation XXXX. 

There was credit card fraud activity happens at the same time ( unauthorized purchase ), so the old card was closed and Penfed issued a new credit card, card # XXXX. 

However, there is a duplicated charge of XXXX XXXX XXXX, so total of two {$40.00} charges on my statement closing on XX/XX/XXXX. There is one refund of - {$40.00} posted on XX/XX/XXXX. Not sure if this is due to XXXX, XXXX XXXX or Penfed 's error. As a result, there is one additional {$40.00} charge. 

Called Penfed multiple times ( latest called on XX/XX/XXXX ), and they said they can not find any wrongdoing or error. They only promised to review the case again. 

I need some help on verifying why there are two {$40.00} charges on my account. Which party 's error is that. How can I get my {$40.00} back. 

Thanks, XXXX XXXX XXXX
Consumer complaint received 2019-05-27
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. (GA)

My Name is XXXX XXXX and i have been disputing these items for over a year. These companies are in direct vitiation of CRA 's section 609 because they did not display my full account number on my report. I have never given none these institutions right to report partial, scramble or rearrange any account numbers on my report which is out of compliance as false information showing on my report. These creditors have a xxxx 's in the place of numbers on my report which is inaccurate. Some of there names are spelled different from their creditors name on my report. Please remove these accounts off my report or will be forced seek further legal counsel. The FCRA clearly states that everything on your credit report must be 100 % accurate or it must removed. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Department of Education XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-08
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. (CA)

I attempted to make my mortgage payment on XX/XX/2023, through my mortgage companys app. The app only recorded a portion of the payment, and failed to record the payment in full. I was notified on XX/XX/2023 from my credit bureau that the mortgage company reported a late payment to the bureau. At that time, I simultaneously called my mortgage company, and logged into my app and made another payment. The representative for the mortgage company requested that I email an appeal, explaining that the app failed to record the payment, and to request that the late payment be removed from my credit record. I did so. I recently received word from the mortgage company that they will not remove the reported late payment, even though I paid the proper amount on time, and their app failed to record it.
Consumer complaint received 2021-02-03
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. (AZ)

I HAVE SEVERAL ISSUES WITH MY CREDIT REPORT SEE LIST ON ATTACHED XXXX XXXX ' THERE ARE MULTIPLE UN AUTHORIZED INQUIRIES THERE ARE LATE PAYMENTS THAT NEVER HAPPENED THERE ARE COLLECTION ACCOUNTS THAT ARE NOT MINE THERE IS A CHAPTER XXXX THAT IS NOT MINE I HAVE ATTACHED A LETTER WITH EVERY DETAILED EXPLANATION OF THE ITEMS TO BE FACTUALLY CHALLENGED AND CORRECTED
Consumer complaint received 2022-04-22
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: Bridgecrest Acceptance Corporation (IL)

I have started a payment plan with the company to continue making payments on my car loan and they are to begin making positive notations on my report to the bureaus. My credit report shows the car remaining in charge off status. I was struggling with payments during the pandemic and still managed to keep the payments going. I would like to have the payments made to the company to be reported to the bureau.
Consumer complaint received 2021-04-30
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. (PA)

I have disputed the tradeline for my XXXX Account and Experian refuses to update the information. I have contacted the creditor and they have verified they have sent Experian updated information various times. This incorrect information is negatively affecting me and preventing me from money forward on my home ownership goals. I have also contacted Experian on multiple occasions via phone as Experian has blocked my access to dispute any information on my credit file electronically in an effort to address this matter. Experian has failed to update this tradeline for 3 months.
Consumer complaint received 2022-10-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I want to submit a complaint in my personal credit report information that is questionable. I would like to dispute certain inaccurate information and Unauthorized Inquiries in my file which I believe is possibly an Identity theft and it was deleted from other bureaus. Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX ; XXXX XXXX XXXX ; XXXX, XXXX ; XXXX XXXX XXXX XXXX # XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/2022 ; XXXX XXXX Inquired on XX/XX/2022 ; XXXX XXXX Inquired on XX/XX/2022 ; XXXX XXXX  Inquired on XX/XX/2022 ; XXXXXXXX XXXX XXXXXXXX Inquired on XX/XX/2022 ; XXXXXXXX XXXX XXXXXXXX Inquired on XX/XX/2022 ; XXXX XXXX XXXX Inquired on XX/XX/2022 XXXX XXXX XXXX Inquired on XX/XX/2022 XXXX XXXX XXXX Inquired on XX/XX/2022 XXXX XXXX XXXX Inquired on XX/XX/2022 XXXX XXXX XXXX XXXX Inquired on XX/XX/2022 ; XXXX XXXX XXXX XXXX XX/XX/2022 ; XXXX XXXX XXXX Inquired on XX/XX/2022 ; XXXX Inquired on XX/XX/2022 XXXX XXXX XXXX XXXX Inquired on XX/XX/2022 ; XXXX XXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/2022 ; XXXX BANK XXXX XXXX Inquired on XX/XX/2022 ; XXXX Inquired on XX/XX/2022 ; XXXX XXXX Inquired on XX/XX/2022 ; XXXX  Inquired on XX/XX/2022 ; XXXX  Inquired on XX/XX/2022 ; XXXX  Inquired on XX/XX/2022 2022
Consumer complaint received 2023-07-07
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: Block, Inc. (OH)

I have been with Cash App since XXXX This month I was offered to borrow first {$50.00} borrowed it paid it back immediately. Then was offered {$75.00} so I borrowed that paid it back immediately and then reborrowed it. When I went to pay it back Cash closed my account telling me I went against the terms of use? I never had any problems with any of my transactions until now. They wont tell me what I did and refuse to reopen my account. At present I still owe the {$75.00} plus interest. Please find out what I did wrong for I use this app often and never had a issue. I dont do anything illegal and feel so hurt I am being accused of misuse. I would appreciate my account be reinstated ASAP so not only to repay what I owe but to send and receive money as I have for five years. I tired this morning to open another account was asked my ssn and I got the same that my account is closed. 
Thank you So Much
Consumer complaint received 2021-06-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK (NY)

i have contacted discover on several occasions in the past year. i did get behind on my credit card. i spoke with a representative that said if i can get my card paid down to below my credit limit they will work with me to keep the card open. i made a large payment that brought me below my credit limit. within 2 days they closed my card after that. i contacted them and asked why and no one really had an answer other than once it closed they cant reopen it and then i was told that they got a power of attorney letter from a debt consolidation company and that was why. i fought with them for a while with no resolution. i contacted the debt resolution company and they stated they did not send them a letter. they refused to send me a copy of the letter they got. about a month ago i got a preapproved offer to reapply. i did and i got denied and the status for denial was due to a situation with another discover card. ive contacted them again. i am in the phone with them for the second time today. i have been unable to get a manager or a supervisor on the phone. they said i have to call the attorney who got my case after they closed my account. i never once got a letter from an attorney and discover was still automatically deduction payments fro my account to pay this card down. they insisted today i have to go through the attorneys office. i called the attorney they told me i have to contact and gave me the number. the woman i spoke with from there was very rude and told me she cant speak to me about anything and referred me back to discover. i found out today while speaking with a representative the letter they received was received back in 2018 and it was because i did go to a debt consolidation company but i did not include my discover and a few others. but they got this letter originally in 2018 and continued to allow me to use my card and make payments and then out of nowhere they close it using this letter as an excuse. i feel like my account was closed and not for the right reasons and now i get an preapporal offer to reapply and i was declined to to the situation with my other card. so they have no intention of being honest about why they really closed my account t and continue to send me stuff to reapply when they will not even consider giving me another card which i. turn affects my credit. i feel this company is shady and doing illegal stuff to justify closing accounts
Consumer complaint received 2023-03-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Outsourcing, Inc. (MD)

I received a phone call from this number XXXX and they left me a voicemail asking for information. I called back Im not sure what the debt is or what is this regarding. I tried to call the collection agency twice and both times the women answering the phone said they could not tell me what this was in reference to
Consumer complaint received 2023-02-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JPMORGAN CHASE & CO. (FL)

On XX/XX/XXXX, and XX/XX/XXXX, I wrote to tell JPMCB AUTO to verify the items I had identified as inaccurate or incomplete in my credit report. 
Copies of my correspondence are attached for your review. 

JPMCB AUTO Account number : XXXX Since you have not given me names of persons you contacted for verification of the information, nor have you complied within the statutory time period ( 30 days ) to my request for verification, I assume that you have not been able to verify the information I have disputed. 
Therefore, you must comply with the provisions of the Fair Credit Reporting Act and drop the disputed items from my credit report.
Consumer complaint received 2022-04-19
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: EQUIFAX, INC. (MI)

On XX/XX/2022 Equifax received a certified letter from me disputing my credit report. Today XX/XX/2022 a customer reps states they do not have any paperwork from me.
Consumer complaint received 2023-03-28
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: SYNCHRONY FINANCIAL (VA)

Fraudulent applications may have been submitted in my name by two companies and may have been used to apply for credit or purchases without my consent. I have contacted in XX/XX/2022 XXXX XXXX XXXX XXXX and the representative claimed there is no record of me with any account or application for credit. I also contacted Syncb/Amazon XXXX XXXX XXXX and the representative stated she could find no record and would resolve the matter and report to have the inquiry removed. I have not heard from any of the companies and my credit report still reflect these inquiries. Finally, I submitted a fraud report to XXXX and was instructed to file a report with FTC.gov and was directed to CFPB.
Consumer complaint received 2023-12-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PNC Bank N.A. (IL)

So I revived an email from my school email saying I got the job. I did apply for an assistant helper. I was excited since I been unemployed for over a year and been looking for a job so I didnt thought anything of it. He sent me a check for XXXX I deposit and did the XXXX to the person he told me to sent to.Later 2 or 3 days I see the check was return back so I said like why you return the check thats when I figure I got scam so I went right away to my PNC bank. I told them everything I went XX/XX/XXXX. They did the whole dispute was just waiting to hear back I get a call XX/XX/XXXX that they dispute the XXXX but the account is going to stay - {$740.00} and if I dont pay by the end of XXXX they will close my account.
Consumer complaint received 2022-12-20
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (VA)

My mother passed away in XX/XX/2019. A week after she died Wells Fargo froze her account. Two of my sisters were listed as executors of her estate. Unfortunately one of them died a year before my mother. Wells Fargo keeps requesting letters. Than its a copy of sisters death certificate. Which we have provided. We have talked to an attorney and he said Wells Fargo doesnt need these letters. This is now going on three years and they refuse to give us any information as to why this one account is frozen. We need this money so we can close out my mothers estate.
Consumer complaint received 2023-02-01
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. (PA)

I recently received a copy of my consumer reports and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B