davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (WV)

On XX/XX/XXXX i was told for the XXXX time that my clsim would ve resolved by XX/XX/XXXX. Its not XX/XX/XXXX and noone has resolved anything. I have sldo not recieved a letter for more time. I hsve had multiple ppl tell me i dhould hsve hsd the funds back for XXXX the proof stands at you can not simply use logins alone. You have repeatedly lost the fax i sent which was confirmed several times and several places. The documents you sent were past the deadline for documents to be sent. Visa your card establisment has agreed there is not enough evidence on your behalf to have taken 3 months to still not have resolved it. You have exceeded your 10 days for a provisonal credit then lied to ne up ubtil the XXXX and XXXX wheb the cases were closed. Previousky telling me the date ending on the XXXX was ipen until the XXXX fay when it wasbt and then the claim from the XXXX that was closed on the XXXX was said to not exist however your letter dated XX/XX/XXXX says it was. You continually are making a mockery of the cfbp by responding to these reports by not answering the questions about the case. Fuether everytime i file a new case you disregard my previous cases. You hace nit resolved one of these cases whatso ever from 3 mo ths ago. Instead you give yourselfs a fresh 10 new days like you hace just done with my last complaint which was not directly about the missing XXXX dispute case. It was solely to inform you of your responsability due to lack of following the guidelines that ur ve xharged for the medical visit i had to proceed with. This is directly due to your negligence. You have ventured past your alloted time with no update and nor request for more time and that in itself would be another violation. The time fram total had been exceeded therefore im not allowing for another 10 days. Im sure my fax had reached you ... Wells fargo cant ecen return phone calls. The simple putlook is you didnt credit the amount when you were spose to that doesnt just go away you arr still rewuired to do so. You have found other disputes fraudulent but these u have reasonable doubt. Further more i woukd suggest you read regulation e where it also states thos transaction can not be closed solely on your info. Im not required to allow you to properly do your jobs for 3 mobths my sole part is to give u resonable doubt which i have and i expect it to be fixed and completed. Also i have followed your 100 percent garentee outlined rules. Therefore that would apply as well. Do me a favor and respond to the correct dispute. XXXX XXXX. Respond to all the questions not one or 2 where u think u make a partial reason where its solved. Because your partial reasons are inadaquate at best and usually stem from the notes of your system and not substantial facts. I will not be put off any more or bounced around 3 months and ur still working on the case when i call .... Get real .this will not be the only place i report this
Consumer complaint received 2018-12-13
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (NM)

I opened an XXXX XXXX XXXX serviced through Synchrony Bank. I was charged a {$30.00} Security Fee on my first statement. No where on the statement does it explain what this fee is for or the benefits it pays for. When enrolling for this card a month ago, I did not opt in for any security service, nor was I advised there was a mandatory service for this card. I have sent a message to customer service, but wanted to report this as there may be other consumer who are unaware of what they are being charged.
Consumer complaint received 2018-12-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Claim number XXXX. I disputed a charge and Bank of America chose to  believe the merchant over me. They denied my claim and said that the evidence the merchant submitted was compelling and didnt even ask me if I had a rebuttal. XXXX told me they would reduce my cell phone bill but that it would not happen immediately, I said since it wont happen immediately then cancel it. They then said it would show up on my next bill cycle even after I told them to cancel it. This happened in XXXX, XXXX bill cycles have gone by and I have not received the service they claim to have given me. My phone bills are attached along with their email saying they would give me a refund. What compelling evidence did XXXX  give you?? Why didnt Bank of America ask me if I had anything else to add once the merchant refuted the charge? For Bank of America to assume my claim is false just because the merchant responded and said something different speaks volumes on how they really value their customers, and then tell me to fax them some documents and my claim may be reconsidered??? I dont think so. If my account is charged for this amount on XX/XX/2018 I will take legal action against Bank of America and not XXXX.
Consumer complaint received 2018-12-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA (FL)

I enrolled in a XXXX  program in fall 2018 ( XX/XX/18 ) and received an email on XX/XX/18 telling me that as I was enrolled, I now had a deferment on my account. The email includes a link to " remove this deferment, '' which, when you click on it, takes you to an FAQ on deferment ; however, under " can I cancel my deferment or forbearance, '' it says you CAN cancel the deferment, but doesn't tell you HOW to do it. There is no place on the website to do this, so after contacting them by phone, they tell me I have to complete a School Deferment Waiver Form, which they must send to me to my XXXX inbox. The form is not available on the website. Another difficulty is that the only way, according to the form, to get this sent back to XXXX is to either fax or mail it. Nothing indicates that it can be sent via the website, nor was I told this by several customer service reps over the next few months. I finally had the time to download, print, sign, scan, and fax it. But when I got yet another email about a deferment on my account on XX/XX/18, I called XXXX and asked why I had another deferment as I had sent in the form in XXXX. They said they only got the cover sheet, but not the form, which I completely don't understand ( why would they get one and not the other? ). Additionally, after 3 months of calls, I was FINALLY told that I could upload this on the site. XXXX DOES have a file upload section, but this form is not one of the options given. I was told to upload to the " Other '' section of the site, but again, how would I ever know this as a ) I was NEVER told this was an option for this form and b ) the form itself does not list this as an option? 

My question it, for people who do NOT have access to a printer, how in the world are they supposed to get this form to XXXX? It is completely ridiculous that while I can do every thing else on the website, I can't just fill out this form online, NOR is there anywhere on the form that indicates that I can just upload to the website, as again, it only mentions I can fax or mail it. It is very clear to me that XXXX wants to make this process as difficult as possible, as they would rather the additional interest on these loans gets capitalized in order to make them more money.
Consumer complaint received 2018-11-23
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (FL)

I was going through a modification with my previous servicer XXXX XXXX. I applied for the modification a year ago. The communication was horrible. I was lied to several times and told the modification would be completed the next month. I would call the next month and was told it was still processing and to call again the next month. Recently I found out that my loan was transferred to Shell point mortgage and XXXX reported late payments to the credit bureau. I was told during the modification process, no late payments would be reported. I was entered into the modification due to the hurricane in XX/XX/XXXX and falling behind on my bills because I had to evacuate. My payments were deferred XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I resumed making payments. The communication about the deferremenr was terrible and never explained to me properly. I was eventually sent paperwork to modify my mortgage payment in XX/XX/XXXX and completed it. All of XX/XX/XXXX I was given the run around. Never a straight answer on when it would be completed and at what stage in the process it was in. Now my loan was transferred to Shellpoint mortgage and I'm being told that they aren't accepting my payment due to the stage it's in and returned my payment. I was told nothing would change when transferred over but that seems to be more false information given by XXXX. I'm fearing that shellpoint will report late payments or that this will cause an even further delay with the modification That has been in process at this point almost a year
Consumer complaint received 2018-12-12
Product: Credit card or prepaid card — Store credit 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: Bread Financial Holdings, Inc. (CA)

I purchased 4 tops from a vendor online. I did not fit but the other 3 were  defective ... .. poor workmanship. I thought 1 was okay so I wore it out for an evening. Into the night the shirt became uncomfortablebodice and sleeves were twisting and did not feel good I had to purchase another shirt. When I got home i sent an email to XXXX and explained the situation. I was told it was worn and could not be returned. I responded that I liked the top and would keep it if it were able to be worn but it was defective and i would be returning it with the other 3. I was told that I would be issued a credit for the 3 but the defective one could not go back. The key word here is defective. I was told to send photos to them and I may get permission to return it. I never got a reply but I did return it and they refused to credit me.
Consumer complaint received 2018-11-23
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: Experian Information Solutions Inc. (VA)

I talked to experian and they refuse to help through their customer service telephone system. I have several inquires and a bankruptcy listed on my report that I have no knowledge of and tried to dispute these but they apparently did not want to take the necessary time to help me file a dispute. Under the FCRA I am allowed accurate information on my report and wish for these items to be deleted so that my report is accurate and not causing me harm.
Consumer complaint received 2018-11-24
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. (UT)

I have been a victim of Identity Theft as well as several Data Breaches. The latest being XXXX XXXX XXXX. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting in several Inquiries all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.
Consumer complaint received 2020-12-13
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (CA)

Hi, Unfortunately, I was scammed out of {$500.00}. I tried to purchase a teacup french bulldog from XXXX. I submitted a form on the website to see if the puppy was still available and to contact me by email or phone if still available. I was contacted by email and text back letting me know the puppy was available and instructions. I was asked to XXXX the deposit to {$870.00} to XXXX for XXXX XXXX and to note XXXX the dogs name. Everything was going fine I even received confirmation on shipping Booking reference Number : XXXX Website Track Link : XXXX : XXXX Then I received another email saying now {$1200.00} because needs a different crate due to Covid and asked from money from XXXX XXXX XXXX This is when I became suspicious and inquired through the breeder why I was being asked for this and through XXXX XXXX to top it off. The number I was texting with was XXXX. The person started to make it seem like I shouldn't be questioning them and said they were going to cancel the order and refund. When I called the number it was disconnected.

I contacted my bank to report but Wells Fargo said unfortunately the XXXX transfer for {$500.00} was completed and the only thing they could do is report as fraud so I did that. I also reported this through the federal trade commission, Report number : XXXX. 

The website is still up XXXX XXXX XXXX
Consumer complaint received 2018-11-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AES/PHEAA (FL)

I submitted a complaint in XXXX regarding incorrect information being report to credit bureaus by AES. Here is my original complaint : y credit report shows 7 late payments for my student loans with the Loan Servicer AES. 6 of the late payments from XXXX were incorrectly reported as these late payment dates were during times when my account was in forbearance. Therefore, none of these late payments should have been reported to the 3 credit bureaus. I contacted AES on XX/XX/XXXX and the call lasted from XXXX - XXXX ET. A representative provided me with my forbearance time periods. After review of the dates, I realized they were during the same times as the late payments that have been reported. 

Here is part of AES response to the CFPB complaint : Based on this review, corrected information was sent to the consumer reporting agencies to which the information was previously reported for loans one and two for the months of XX/XX/XXXX and XX/XX/XXXX. 

I spoke with a rep from PHEAA Office of Consumer advocacy  on XX/XX/XXXX and he stated request was sent to credit bureaus on XX/XX/XXXX to have the 6 late payments from XXXX removed. Credit bureaus have stated no request was ever sent by AES or PHEAA. 

I need this 6 incorrect late payments removed as they are hindering from moving forward with the home buying process.
Consumer complaint received 2018-12-13
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. (FL)

I would like to be provided proof I consented to this inquiry for " XXXX XXXX XXXX via XXXX XXXX  ; XXXX XXXX XXXX via XXXX XXXX XXXX ; XXXX   XXXX  via XXXX ; XXXX  ; XXXX XXXX XXXX ; XXXX ; TRANSUNION XXXX XXXX XXXX ; TRANSUNION CONSUMER INTE ;
Consumer complaint received 2018-11-23
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

I have been using XXXX XXXX for years to monitor my credit score and activity. I noticed on XXXX XXXX there was something that should not have been on the my report. XX/XX/XXXX, is when I started my own investigation and notified all three credit bureaus that my computer had been hacked. And I absolutely did not apply for credit from XXXX or Capital One on this day. I recently paid off Capital One and closed the account. Their response is that it takes up to 90 days for it to remove from report, 90 days has passed. Another issue, was with XXXX XXXX XXXX. After repeatedly contacting XXXX directly and indirectly they refused to remove my name from auto, that my father refinanced thru them and bought from me. XXXX did not show no compassion for the lost of my father, they added pain on top up grief. It took me to file complaint with XXXX XXXX XXXX XX/XX/XXXX. Then and only then is when someone from XXXX called on XX/XX/XXXX to apologize for the inconvenience and that my name will get removed immediately from the auto loan. The origin of this story is that my father purchased a car from me XX/XX/XXXX before he passed and I had been fighting ever since, to clear this mess XXXX made DELIBERATELY AND INTENTIONAL, to remove it from my credit report as being joint owner b/c the car was not in my possession. Bad Business. MY FATHER AND I HAVE BEEN LOYAL FAITHFUL CUSTOMERS FOR OVER 25 YEARS and remaining.
Consumer complaint received 2018-12-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

XXXX XXXX XXXX is reporting a {$2000.00} balance account number XXXX i do not owe this company any money. balance is o. and they are only reporting this account to experian only.
Consumer complaint received 2018-11-24
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

On XX/XX/2018 I filed a unauthorized fraud claim with Capital One 360 amounting to {$420.00}, ive provided police reports and documents proving these charges werent made by me, one charge was approved in my favor but the remaining ones werent and im not sure how to continue with this.
Consumer complaint received 2018-11-23
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. (CA)

In XX/XX/XXXX I filed a dispute for idenity theft and included a police report and an identity theft report required by credit reporting agency Transunion. The list of disputed accounts on id theft report were deleted..The problem is that transunion additionally deleted all other accounts within my reports that were positive accounts and that were NOT INCLUDED ON MY IDENTITY THEFT REPORT. tHIS ACTION LEFT MY ENTIRE CREDIT REPORT COMPLETELY EMPTY WITH NO TRACE OF ANY CREDIT REPORTING WHATSOEVER. My report was left unable to even generate a credit score at all. 
Transunion additionally communicated to XXXX and XXXX information regarding the wrongfully deleted positive accounts causing both of these agencies to also Delete accounts thst were not reported as Fraudulent accounts and this caused my other two reports to become completely erased and unable to to generate credit scores. I was left with no agency having any trace of any account to report at all. I had a XXXX credit score across the board and to lenders it appeared as if no credit had ever existed. Additionally the accounts were also prevented from re-reporting the information back onto my reports and I have been unable to get Transunion to replace the deleted accounts or remove blocks from my positive credit accounts so that the bank could reenter the information that should have never been deleted. Please force transunion to go back to when this action took place and put the accounts that were not included in my identity theft reports back on my record and correct this issue. This is necessary as these accunts were damaged and deleted directly as a result of transunion and they are responsible to fix what they have caused without the need of financial institutions being forced to re-enter old information that they are unable to do since theyre attempts to do this already were unsuccessful for the reasons that transunion has further blocked the re-entry of the accounts.
Consumer complaint received 2018-11-23
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: Fidelity National Information Services, Inc. (FNIS) (NY)

chex system is reporting incorrect infomation under my file i had disputed the infromation in my file from XXXX XXXX and XXXX XXXX XXXX they did there investigation and completed it and the banks can not provide anything making the accounts mine expect for one account and the address is not correct either and there reporting it as accurate i called chex systems asking them why they are still reporting the information when they have nothing making these accounts mine XXXX XXXX XXXX can not provide anything on either accounts and XXXX XXXX can not provide anything for one account and the other one is not the correct address i also trying removing address and they will not remove them becauswe what XXXX XXXX states but what they have claiming the account is mine and there proof is not whats being reported to chex systems and also they wont remove it because of an inquiry from XXXX XXXX XXXX XXXX that i never had an account with them and dont recalling tryimng to get an account with them. this is very damaging to me as i can not get a checking account anywhere and they will not remove all this negative information and are still reporting it when they have not been give anytning making it mine please help me
Consumer complaint received 2018-11-24
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Capio Partners, LLC (FL)

This is not mine was not in bospital on XX/XX/2018. the name of collector capio .nane of hospital XXXX XXXX XXXX XXXX hospital . For XXXX this debt is not mine plz remove this..
Consumer complaint received 2018-11-25
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Bread Financial Holdings, Inc. (VA)

On XX/XX/XXXX we purchased a timeshare with XXXX XXXX. XXXX XXXX gave us a credit card with a credit limit of {$1600.00}. I never activated the credit card neither I used it. It took a year of dispute dispute with XXXX to cacelled the contract. 

I XX/XX/XXXX, I sent a written letter to XXXX XXXX requesting a credit on the amount of {$1600.00}. The company requested proved of the cancelled contract from XXXX which I did, however on XX/XX/XXXX I received a letter from XXXX XXXX stating that they were unable to issue a credit on my behalf.
Consumer complaint received 2018-12-13
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I attempted to purchase XXXX tickets on XXXX. The seller accepted my XXXX payment, then failed to send me the etickets, and blocked my phone number. 
He said his name was XXXX, his email is XXXX and his phone number is XXXX