davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-08
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 (CT)

I had a membership with XXXX  XXXX in XXXX, CT. Because of health problems I requested cancellation of my membership by sending a certified letter per their instructions. This was to cancel as of XX/XX/2020 I received a charge against my VISA credit card for {$210.00} on XX/XX/2020 from XXXX   XXXX. Since the facility is closed I am unable to contact them. I have tried to contact Barclays VISA about the disputed charge. I faxed them and mailed them on XX/XX/2020 my dispute but have not received any acknowledgement. I have tried to call but they only accept disputed charges through fax or the mail. I have been on hold for over two hours with no one picking up. 

Please advise what I need to do to stop this charge. 
Thank you
Consumer complaint received 2022-06-09
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: Experian Information Solutions Inc. (FL)

Hello, I have recently noticed fraudulent activity on my credit reports. What I have found has led me to believe I may be a victim of identity theft, as i did not approve any information to be used in my name. I am requesting that these fraudulent items be deleted from my credit report at your EARLIEST CONNIVENCE. I actually have security freeze on my accounts. which should have alerted me prior to my credit being ran. I did not receive any alert or notifications that my credit was being ran for these accounts which is very disturbing. These fraudulent items are reporting inaccuracies which is directly impacting my relationships with creditors as i am going through the home buying process. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commission 's identity Theft Affidavit in regard to this incident. Please investigate these matters and remove these inquiries.
Consumer complaint received 2020-07-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (VA)

I am trying to pay off my mortgage with Wells Fargo Mortgage and they refuse to provide my wiring instructions through a secure portal. I asked to speak to a supervisor ( XXXX ) and she offered to provide them verbally but will not send them through a secure message on the portal. This is unacceptable as if anything is wrong it will result in delaying or losing a large sum of money.
Consumer complaint received 2020-07-08
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credence Resource Management, LLC (FL)

I keep on receiving callas about a debt that paid by XXXX. I submitted proof to this debt collector that this was paid and that I was in fact covered under XXXX during the time of her service. They continue to call me 5 times a day every day. It is abusive and they have the incorrect information. This bill was for my daughter. Please have them stop calling me. They never sent me a debt validation letter as requested.At this pointy I believe this is fraudulent and they are trying to collect money that was paid.
Consumer complaint received 2022-05-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Flagstar Bank, N.A. (LA)

This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.
Consumer complaint received 2019-10-29
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (VA)

PayPal has had my money, {$1600.00}, transacted on XX/XX/XXXX at XXXX XXXX EDT and electronically transferred from my bank to PayPal on XX/XX/XXXX in order to complete a transaction PayPal informed me would be completed on XXXX XXXX for XXXX XXXX tickets for the XX/XX/XXXX game. The payment never reached the seller ( still hasn't as of today, XX/XX/XXXX at XXXX ). Today, PayPal ( manager named XXXX ) informed me they didn't have to complete the transaction until XX/XX/XXXX now. PayPal has the money and is profiting off my " interest free loan '' at my expense. The money will need to be transferred back to me since the tickets were never sent to me. However, PayPal refuses. Please investigate PayPal 's abuse of holding people 's money many days after they receive it and advertised completed transaction in order to increase their " banking '' profits with " interest free loans '' from customers without their agreement and at the customers ' expense.

Of note, the seller and I have repeatedly called PayPal to cancel the transaction but PayPal states it is not possible ... can only go through a process after the money is sent to the seller ... now expected 10 days from initial transaction and 7 days since money sent to PayPal by my bank, XXXX XXXX XXXX XXXX! 

PayPal Tranaction ID : XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

THIS INQUIRY HAS BEEN OPENED FRAUDULENTLY WITHOUT MY AUTHORIZATION AND NEEDS TO BE REMOVED IMMEDIATELY. THIS IS NOT AN OPEN ACCOUNT AND DID NOT HAVE MY AUTHORIZATION. THIS INQUIRY HAS BEEN REMOVED FROM OTHER BUREAUS BECAUSE THEY IDENTIFIED IT HAS BEEN A FRAUD. SO I WOULD LIKE THIS REMOVED FROM MY REPORT. THANK YOU * INQUIRY - XXXX XXXX Bank XXXX XXXX XX/XX/2022 *
Consumer complaint received 2021-04-29
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: TRUIST FINANCIAL CORPORATION (NC)

This complain is about BB & T the new Truist. 

We did 2 wire transfers XX/XX/XXXX. Was told it is free at the branch. the receipt printed not showing any charge. The fee of {$140.00} showed up XX/XX/XXXX. Called BB & T customer service, was told it is free at beginning, then was told it is not free because commercial account. need to go back to branch to solve. Branch told it is charged because of it is not domestic wire transfer which is not true. 

Requested to get the {$140.00} back, but can not even escalated the case to Truist 's CEO XXXX XXXX. 

What Bank did wrong? 
XXXX ). Can not provide proper receipt when doing wire transfer. This is a one-time service, not an annual service. Bank should print the right receipt when service is done. 
XXXX XXXX. Bank employee was not trained properly. Bank employee should tell the correct information. 
XXXX ). Service and customer experience need to be improved a lot. Bank seems trapped customer to use their over priced service. if we were told the cost is XXXX  $ for 2 wire transfers. We definitely will not use the over-priced service. We will mail a check instead. 

Thanks XXXX XXXX / XXXX XXXX
Consumer complaint received 2022-05-03
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)

In regards to XXXX XXXX account number XXXX I have filed complaints with XXXX, Experian and XXXX. About the account. On XX/XX/2022 all 3 places came back telling me the information will remain on my credit report and will not be change citing that they are all reporting it accurately. This however is in fact a lie and is being falsely reported on my Credit profile. I have attached here to a copy of the final payment along with details of when XXXX cashed the payment. The date is listed as XX/XX/2022, a month before they sent back findings that they are reporting correctly and there is a balance owed. All 3 of the mentioned clearly did not do an actual investigation or provide accurate findings. They simply reply ex that it was correct just to close out the complaint so they didnt need to be bother with it
Consumer complaint received 2021-02-24
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: JPMORGAN CHASE & CO. (NY)

I'm writing this complaint because I recently found out that Chase has been deceptive and has unfairly charged me a {$30.00} a month checking fee for the past 19 years.The bank did this by placing me in a high minimum balance business account in order to deceive me and charge me a fixed monthly fee knowing I would never meet that minimum balance requirement.They intentionally engaged in unfair practices when they opened up the wrong checking account for me. 

I had opened a business account on XX/XX/2002 and was not told that I needed to maintain a {$30000.00} minimum balance at that time. I opened the account with a small balance of XXXX {$1000.00} to use for my freelance teaching work and never had any expectation that I would be anywhere near a balance higher than about {$5000.00} for that period. I assumed that when I was charged {$30.00} a month all these years it was the normal fee for someone with the fairly small balance that I had maintained. However, I recently found out I was placed in this high {$30000.00} minimum balance account and now I believe that the bank intentionally signed me up for an account that was not appropriate for me. As a result of this deception, Chase unfairly charged me thousands of dollars since the account opening.How many other people have they done this too? 

I recently requested to be switched to an account with a more appropriate and realistic minimum balance threshold. However, I would also like Chase to reimburse the entire amount of fees I was unfairly charged all these years. To date, I was only reimbursed 3 months ' worth in the amount of {$90.00}. 

Thank you in advance for your assistance.
Consumer complaint received 2021-09-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC (CA)

f ay mortgage company response from the cfpb i filed, stated a {$3600.00} of a post-petition fee incurred, from the response letter from fay sent dated XX/XX/2021. 
I summited to fay mortgage co, a money order of {$3700.00} handwritten remark on the money to pay order post-petition fee. 
on XXXX XXXX fay cashed the money order and seemed to have misapplied the XXXX dollars in which was to be attended for. the {$3700.00} went toward a future mortgage payment. 
last week I followed up with fay and requested the misapplied funds be reversed to pay the post-petition fee I was told today on XXXX by fay employee that the request to reverse {$3700.00} went to the wrong department. 
i would like assistance that the money is properly submitted to pay the post-petition fee that was attended for as per the letter fay provided me with and handwritten instructions on the check that was cash, as time is of the essence.
Consumer complaint received 2022-09-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (TX)

I received this letter from Chase Bank XX/XX/2022. I am confused to the verbiage of this letter and further the actions of all my accounts, violation to my privacy within these accounts and Chase Bank banking practices. It is to my understanding that I hold and have held only four accounts, one jointly and with a authorized rep on one credit card. Chase bank has informed a state agency of ( 12 ) accounts not to mention given all my financial records without my consent or notification. On one of my credit cards Chase bank allowed a merchant to charge an inactive card for a period of four months and would only refund the fees for two transactions. I have reviewed my payment history for my cards and within this year, payments have been difficult to make. I have not been offered a payment plan but have received this most recent letter. Due to the FACT Chase has been unwilling to explain the actions of its employees XXXX XXXX, XXXX XXXX, or XXXX XXXX, properly credit and explain fees accessed to my account ( s ) I am relying on the regulation of Consumer Financial Protection Bureau for further assistance.
Consumer complaint received 2020-07-08
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. (NJ)

Around XX/XX/XXXX I was contacted by XXXX to defer my payments due to the impact of Hurricane Irma. I was allowed to defer up to 90 days with no issues. Everything reported fine XX/XX/XXXX, XX/XX/XXXX and in XX/XX/XXXX I paid in full all 3 months XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. XXXX  in XX/XX/XXXX reported me as late for 30 days. I've contacted XXXX and they said that I never replied to the email so I wasn't in the program. The letter states that : 1.  We have noted that you are in the area impacted by the storm. 
2. We will not assess late fees for the next 90 days. 
3. To contact IF I have any questions This does not state to contact to enroll in any program, also if I was not in any program then I should be 90 days late and XXXX would've contacted me about my late status. None of this happened. I've contacted XXXX and they said they would not help me and the reporting agencies only go back to XXXX and use them as the source of truth.
Consumer complaint received 2020-07-08
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. (NJ)

Around XX/XX/XXXX I was contacted by XXXX to defer my payments due to the impact of Hurricane Irma. I was allowed to defer up to 90 days with no issues. Everything reported fine XX/XX/XXXX, XX/XX/XXXX and in XX/XX/XXXX I paid in full all 3 months XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. XXXX  in XX/XX/XXXX reported me as late for 30 days. I've contacted XXXX and they said that I never replied to the email so I wasn't in the program. The letter states that : 1.  We have noted that you are in the area impacted by the storm. 
2. We will not assess late fees for the next 90 days. 
3. To contact IF I have any questions This does not state to contact to enroll in any program, also if I was not in any program then I should be 90 days late and XXXX would've contacted me about my late status. None of this happened. I've contacted XXXX and they said they would not help me and the reporting agencies only go back to XXXX and use them as the source of truth.
Consumer complaint received 2021-03-31
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC (TX)

Around XX/XX/2020, I was placed on a forbearance. I have always had issues reaching out to the mortgage company, but recently I was provided options for what to do after the forbearance and I chose a loan modification. I asked for the terms of the modification and was told they could not tell me them, that I would just have to accept the paperwork when it arrived. I provided a mailing address in Pennsylvania, but the documents were mailed to Texas. They only gave me 7 days to sign and mail back the documents, but due to their error, I was not able to mail the documents in that time frame, especially since I had questions about the documents and was once again unable to reach a company representative to ask how to resolve those issues. Some of the issues pertained to what the notary had to do, as the documents mention a California notary and I am, as I mentioned, in Pennsylvania. I tried to contact the mortgage company multiple times in multiple ways by phone, through their website, through XXXX and still did not receive a callback or any assistance. They even gave me a robocall saying I needed to call them, but when I tried to call, I could not get through and the system to enter my number for a callback went into a loop, asking for my loan number, then my phone number, then my loan number again. When I tried again to call today, after I went to the notary just in case I could mail the documents, I again had the same experience with phoning. My experience with them since day one has been very disappointing. In addition, when I call, they say there is a new phone number to reach them, effective XXXX XXXX, yet their website and all of the documents they have mailed me still have the older number, which still appears to be working. There is much more to this experience, but this is the most recent and egregious.
Consumer complaint received 2022-07-14
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: Experian Information Solutions Inc. (CA)

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 Date Opened XX/XX/2019 XXXX {$0.00}. 

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2021-08-11
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. (SC)

I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.
Consumer complaint received 2020-07-08
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. (NJ)

Around XX/XX/XXXX I was contacted by XXXX to defer my payments due to the impact of Hurricane Irma. I was allowed to defer up to 90 days with no issues. Everything reported fine XX/XX/XXXX, XX/XX/XXXX and in XX/XX/XXXX I paid in full all 3 months XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. XXXX  in XX/XX/XXXX reported me as late for 30 days. I've contacted XXXX and they said that I never replied to the email so I wasn't in the program. The letter states that : 1. We have noted that you are in the area impacted by the storm. 
2. We will not assess late fees for the next 90 days. 
3. To contact IF I have any questions This does not state to contact to enroll in any program, also if I was not in any program then I should be 90 days late and XXXX would've contacted me about my late status. None of this happened. I've contacted XXXX and they said they would not help me and the reporting agencies only go back to XXXX and use them as the source of truth.
Consumer complaint received 2019-10-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. ()

In late XXXX a letter was sent to Experian with data asking for my free credit report. 
The letter was returned - unopened and refused. 
On XX/XX/2019 a second letter was sent at a cost of XXXX Baht and requires a signature to be received. I have heard nothing from Experian. 

It's obvious that they do not intend to honor federal law or even respond to me via a rejection letter. I encourage law enforcement to get involved. I have a right to get this credit report, and Experian doesn't even bother to answer.
Consumer complaint received 2021-01-25
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. (GA)

I Have been an a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. I am very disappointed. I will call my lawyer ASAP!