davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-02-11
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Problem with customer service — 
Company: WESTERN UNION COMPANY, THE (NV)

I sent money with western union on XX/XX/XXXX Amount.XXXX $ to XXXX for business payments Western union tooks money from my XXXX XXXX bank account on XX/XX/XXXX it should deliver by XX/XX/XXXX as promised by western union But it never delivers even more than 3 weeks I start flowing western union by calling/emails/social media customer service after XXXX XXXX XXXX Regarding my payment but they flair to provide me any information but only keep saying that your money has been delivered but when I ask my receiver there was no payment at all And aftr 3 weeks western union told me that our bank partners in XXXX gives us wrong information about your payment so we apologize and we ll refund your money to your bank account From XX/XX/XXXX to XX/XX/XXXX I haven't received my money back or the payment in XXXX Because of this 32 days delay I loose my business in XXXX the damage to my business costs me XXXX XXXX XXXX XXXX  rupees around XXXX $ So I want you to help me to cover my damages from western union Thanks
Consumer complaint received 2019-02-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I recently paid off a collection on TransUnion in the amount of {$140.00} for XXXX XXXX XXXX. This account was updated as paid in full. As of today, this account was placed back on my credit report as if I owed the money. I have already sent them a receipt of where the account was paid off. This is hindering being able to qualify for my loan for my home.
Consumer complaint received 2019-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX reports a collection account with XXXX for a balance of {$310.00} which is not due and has never been due and with conversations with XXXX XXXX, they will not remove it from the credit report ( even if paid ). 
I have requested the credit bureau to remove it and have not been successful in this effort.
Consumer complaint received 2024-11-27
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (CA)

In XX/XX/XXXX of XXXX  my account in Wells Fargo was hacked and XXXX $ was transferred from my checking account to my savings account and total of XXXX $ was wired to a person named XXXX XXXX. 
This was an absolute fraud because I do not wire money to individual accounts, I do not transfer funds from personal account to XXXX and wiring money from my savings account to someone very strange. XXXX of the governing Security Procedures is suspicions pattern of wires, bank security system was supposed to be detecting those issues and have extra verification. 
When I tried to log in to my account, I was asked to put verification code to be able to sign in to my account. It was clearly saying that, that verification is to recognize my device, I was never asked to wire money or to put the verification code for wiring money. 

I contacted the bank right away, after answering the phone in XXXX minutes I explained them what happened and they closed my online banking, opened up a claim and XXXX  days later I got a mail from Wells Fargo saying that, everything was done through governing Security Procedures and that I was responsible for the Fraud that has happened to my account through their main domain wellsfargo.com. This is absolutely unfair from Wells Fargo and they must take responsibility for this issue.
Consumer complaint received 2019-09-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (NC)

I am so grieved to write you about this agency but there must be some checks and balances but it may be negligence in not keeping update in the world of cyper security. I might have been protecting my files by thinking I had access to freeze them at will and Lock. But since I have been under some XXXX in the last few years the verbiage has changed I guess. 
My experian account was lock and I had the ability to have the keys to do this with a membership via MONEY. But inside of this is a another vervbiage called FREEZE. I am supposed to have a password and a limited amount of days it can stay open or perm open. Like I said I take responsibility for some of this and thank God I did not get taken advantage too much during this time period. But over the weekend we have a realtor who is trying to work with us to trying to get us into a better loan from the XXXX XXXX XXXX UH better know as XXXX XXXX ... ... took advantage of us with HIGH APR IN 2006. Somebody finally gon na help us get released from these TOP 1 % IN USA. THEN we cant even get someone from experian to work on friday XX/XX/XXXX & on weekends to help with customer support to help with passwords/freezes/. One person only help because I was going to cancel membership. Otherwise calls going throught loops of automations. When are the rich people ever going to stop just caring about money and care about people. Travesty.
Consumer complaint received 2019-09-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: MIDCOUNTRY FINANCIAL CORP (TN)

This company has reported a charge off on my credit report. I paid this account in full through a wage garnishment. Garnishment stopped when it was paid in full, yet it is now listed as a charge off. When I called the company, they state the debt was not paid XXXX full and garnishment was stopped in error. This is absolutely NOT true. I want this charge off and all bad reports from this company removed from all of my credit reports
Consumer complaint received 2019-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC. (GA)

I just received a message from the Equifax breach settlement telling me they were not going to honor the original terms of the agreement reached with the FTC ( by the way, the FTC sent me here when I tried to fil the complaint with them ). They were instead unilaterally cutting down the amount of money we were to be compensated, and we had to jump through more hoops to actually get that money. 

Furthermore, we don't even know what the new amount might be, as there is no floor on how much compensation we will be getting. I could be getting back all of a penny, the way the new agreement has been worded. 

Worst of all, I got literally no say in this whatsoever. I jumped through all the hoops the first time the agreement was signed and the site put up for us to file on. And now even though I kept up my end of the agreement, it gets changed against me without me having any say whatsoever. As far as I'm concerned, this is fraud, and Equifax can not be trusted to follow through at all. 

See the new wording here : https : XXXX XXXX with original wording and how to file here : https : XXXX
Consumer complaint received 2019-09-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (FL)

On XX/XX/XXXX a complaint was filed for fraudulent use of my checking account for non Chase atm fees for {$310.00}. Chase failed to notify of additional information needed I called XXXX at XXXX est and was disconnected during a transfer to claims I called back at XXXX est I asked for a supervisor the female XXXX in XXXX denied a supervisor disconnected the call in my face, told me to get a supeona and police report to prove I did not complete the transaction talking over me I had to ask her to be quiet. In the conversation told me a letter was sent XX/XX/XXXX well really smart of Chase to send something via mail no call no email during a active declared state of emergency when no mail was being delivered and I have yet to receive. She was the rudest person Ive ever dealt within a already stressful matter. I begin to raise my voice and become angry and asked if Chase recent drug bust have anything to do with this dishonest act of lack of communication putting my acct in the negative I called back only to get total different information that the decision was final and nothing I can do to overturned the decision. 

This entire situation has been completely stressful.
Consumer complaint received 2019-09-07
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. (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 2019-09-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: CITIBANK, N.A. (WI)

I called Security Team at Citi Bank and they said they could not help me! 
They told me if I could not give them the exact number of the card from almost 1 year ago between XX/XX/XXXX-XX/XX/XXXX then Their was nothing they could do to help. 
I was astounded!! 
I told her, " I have the statements in front of me, in my hand that were sent to me by Citi Bank and you are saying we won't help you because you may have shredded your old card? '' 1. THIS IS HORRIBLE CUSTOMER CARE 2. THEY KEPT SAYING THEIR US NO CARD # XXXX ON FILE WITH MY NAME ON IT ; THIS IS IMPOSSIBLE AS I'VE PROOF 3. THEIR IS A CARD ENDING XXXX TGAT " IS NOT MINE ''!!!
Consumer complaint received 2019-09-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION (CA)

There is {$500.00} in my checking account with Navy Federal Credit Union.When I attempted to withdraw {$500.00} this morning at an ATM machine the transaction was declined.It would not disburse the money, Said account was " restricted '' .Same thing at a second ATM machine.I called the Credit Union and was told my account was frozen and I could not get the money out.
Consumer complaint received 2023-07-31
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem making or receiving payments
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

OnXX/XX/2023 I opened a Capital One account taking advantage of a promotion ( XXXX ). I immediately deposited {$100000.00} into the account. Per the promotion, after 90 days, I was to receive a {$1000.00} bonus. I met all the requirements for the bonus : 1. new account ; 2. deposited funds within 15 days ; 3. used the promo code ; 4. maintained {$100000.00} balance for 90 days. 

Since the bonus did not show up in my account, I called Capital One today ( XX/XX/XXXX ). I talked with XXXX ( ID # XXXX ). She agreed that I met all requirements. But, stated that the bonus review team needed to review this and the bonus would be applied to my account by XXXX XXXX, which would be 6 months after I opened the account. This is contrary to the agreement when I opened the account which was that I would receive the bonus after 90 days. 

XXXX indicated that the Capital One webpage provided this time line. But, she agreed that this information was not sent to me because I was not a " targeted customer. '' She made a case file for me and said someone from the bonus review team would get with me within 45 to 60 business days. She said my only other option was to send a letter to Capital One by U.S. mail and someone would respond to that within 30 business days. 

All of this seems like a delaying tactic and a deceptive business practice.
Consumer complaint received 2019-09-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (TN)

I formerly had a credit card through XXXX XXXX XXXX which I never used. However, in XX/XX/XXXX, the card was compromised and fraudulent transactions were processed. I disputed the transactions immediately, but XXXX XXXX continued to bill me for them ; when I refused to pay, the added interest, fees, and penalties. 

With no resolution in sight, on XX/XX/XXXX, I filed a complaint with the Consumer Financial Protection Bureau. On XX/XX/XXXX, they referred the case to the Office of the Comptroller of the Currency. On XX/XX/XXXX, the OCC mailed me to say they had initiated their process and contacted the bank. On XX/XX/XXXX, XXXX XXXX mailed me to say they were clearing all monies ( transactions, fees, penalties ), closing my account as I had requested, and reporting the change to the credit bureaus. I received a letter on XX/XX/XXXX from the XXXX confirming same ( all documentation attached ). My credit score immediately jumped back to its normal 750 range, and all was well. 

Until today. 

I am in the process of purchasing a new home, and our credit report came back with a claim from your agency, citing a collection of the above-referenced debt. I called your company for an explanation, and was told that you had purchased this debt on XX/XX/XXXX. If that is the case, how was XXXX XXXX able to adjust my account? How could they have corrected the issue with the credit bureaus if they didnt even own the debt? None of this foots, and I demand an explanation. 

I am already being negatively impacted by this matter, not only in the interest rate Id have to pay on my mortgage, but on the limitation it puts on the amount I can finance.
Consumer complaint received 2019-09-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

The machine took my money. I had called the emergency department within the Bank of America branch and that report that the only Bank of America contacted in XXXX, CA XXXX took my check and did not give me a receipt and they kept my card was in the machine for about 15 to 20 minutes. I did plead with a lady named XXXX or XXXX with a emergency department of the Bank of America to put at least two to {$300.00} within my account so I can afford my medications and I was declined that is why I am making this complaint.
Consumer complaint received 2019-09-06
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: Holloway Credit Solutions (AL)

EX SPOUSE WORKS FOR PROFESSIONAL COLLECTIONS AND HAS IN THE PAST VOWED TO " RUIN '' MY CREDIT PLEASE TAKE THIS INTO CONSIDERATION WHEN REVIEWING THESE DISPUTES I HAVE BEEN TRYING TO GET THESE MEDICAL BILLS AND FRAUDULENT ACCOUNTS UNDER CONTROL FOR OVER A YEAR NOW
Consumer complaint received 2019-09-06
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: CITIBANK, N.A. (MD)

Originally, I used the credit card to pay a year of phone service on my brother 's ( XXXX ) account with mint mobile on XX/XX/2019 in the amount of {$190.00} billed as XXXX XXXX XXXX CA. However, on the same day the phone payment was placed on a security hold SECURITY CREDIT-ITEM UNDER INVESTIGATION. 

Because of the problem, I have had to use another credit card XXXX XXXX to pay for the phone service, because once the charge was reversed, the phone company disconnected my service. I also called into Citi soon after, letting them know that the charge was legitimate. 

Citi reports that they reinstated the charge and paid XXXX XXXX on XX/XX/2019. However, XXXX XXXX has no record of the payment. So essentially, I have paid XXXX XXXX three times, once from Citi ( reversed ), once from XXXX XXXX, and again from Citi ( after the security hold was lifted ). However, they only have a record of the XXXX XXXX   credit card payment and the reversed Citi payment. 

My brother and I have called/emailed both XXXX XXXX and Citi multiple times. XXXX XXXX insists they have no record of the transaction and Citi transfers me repeatedly between customer support and their security dept, but neither can help me. Citi has reported that they are unable to dispute the charge as XXXX has recommended.
Consumer complaint received 2019-09-06
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Eagle Home Mortgage, LLC (GA)

I applied for a home loan with Eagle Mortgage, a subsidiary of XXXX XXXX. I signed the XXXX sales documents and applied for the loan using Eagles secure portal. Five days after providing info on two bank accounts along with my personal information, both accounts were breached and a fraudulent check written on one account. The fake check had a signature that was designed to look like the signature I made on the earnest money check to XXXX. 
In particular, someone used my personal information to access XXXX XXXX telephonic banking services, then transferred money from my savings account to the checking account before writing a fraudulent {$3900.00} check. I had given Eagle a bank statement showing transfers between the two accounts. 
Eagle conducted an investigation and concluded they did nothing wrong. However, Eagle was the first entity or person that I ever shared information regarding the savings account in over 10 years.
Consumer complaint received 2019-09-06
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. (TX)

Ive disputed this incorrect information over and over. None of my student loans are delinquent or in default. The bankruptcy was dismissed and there is a XXXX balance because I consolidated all of my loans into one. This is negatively reporting on my credit report and is an issue. My balance is {$0.00} and has been so how could this continue to be reported negatively by XXXX. My account with XXXX is and has always been in good standing but XXXX is the problem!
Consumer complaint received 2019-09-06
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Midwest Recovery Systems (OH)

As ascribed and written to Midwest Recovery Services : To Whom It May Concern : THIS IS NOT MY DEBT. MORE IMPORTANT, I AM NOT AWARE OF YOUR ORGANIZATION OR CLIENT. Effective XX/XX/XXXX, under the Fair Debt Collection Practices Act, there has been no debt letter, confirmation of debt or opportunity to rebut alleged debt. Furthermore, noticed this collection on personal credit report. After a request for debt validation, this errant reporting constitutes an illegal continuation of collection activity. Again, since there was no opportunity to challenge or validate this debt ; under section 809 (  b ) of the FDCPA, following a request for debt validation, collection agencies must cease its collection effort ( s ). 

Your organization is in violation of the FCPDA, and subject to fines of {$1000.00}. Plus, actual damages and attorneys fees, which I opt to collect ( via small claims court ). This illegal collection activity has caused severe problems ; thus, prospective awards-resulting from damages incurred-need be substantial. 

Again, the Fair Credit Reporting Act ( FCRA ) does not allow inaccurate reporting of information on a credit report. Therefore, if not IMMEDIATELY removed, your organization is subject to aggressive punitive action. Your legal staff will agree that non-compliance with this request places you your organization in serious legal jeopardy. 

Finally, in XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ), that you are liable for willful non-compliance. Failure to provide original contract, without any alterations, mark, stamps and bearing my original signature has resulted in a claims action against Midwest Recovery Systems. I now seek {$5000.00} ( XXXX XXXX dollars ) in damages for the following : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Credit Reporting Act and the Fair Debt Collections Practices Act as applicable. 

Failure to satisfy this request in accordance with the legal principals of estoppel is understood as a waiver of any and all claims against me ; and facilitates a tacit agreement to compensate me for costs and attorney fees. 

NOTE : YOU MAY NOT CALL. ANY CORRESPONDENCE NEED BE WRITTEN. ALSO, MIDWEST RECOVERY SERVICE IS NOT LICENSED TO CONDUCT COLLECTION ACTIVITY IN OHIO. MOREOVER, DUE TO SIMILAR UNRESOLVED COMPLAINTS ( AGAINST MIDWEST RECOVERY SERVICES ), THE BBB HAS REVOKED ITS PARTICIPATION. 

Cordially, XXXX XXXX XXXX Cc : Credit Reporting Agencies and Bureaus : XXXX XXXX. XXXX XXXX XXXX, GA XXXX XXXX XXXX. XXXX XXXX XXXX, TX XXXX XXXX XXXX. XXXX XXXX XXXX, PA XXXX
Consumer complaint received 2019-09-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BB&T CORPORATION (GA)

Dear Consumer Financial Protection Bureau, cfpb : branch bank and trust , bb & t, now merged with XXXX XXXX is engaging in OVERT BANK FRAUD AND EMBEZZLEMENT WITH THEIR ATTACHED BANK AFFILIATED INSURANCE AGENT, XXXX XXXX XXXX, AND THEY MUST BE HELD ACCOUNTABLE. 

Most Important, I am in receipt of a letter from your employee XXXX XXXX, vice president XX/XX/XXXXcompliance group manager, threatening me with criminal trespassing if I enter a bb & t bank. Please let that XXXX XXXX KNOW : CEASE AND DESIST, BB & T OWES ME {$870.00} FOR THE FRAUD AND EMBEZZLEMENT THAT OCCURRED ON XX/XX/XXXX-XX/XX/2018 ( TUESDAY AND WEDNESDAY ). This correspondence is to officially AFFIRM FOR BB & T TO CEASE AND DESIST with further communication OR FRAUD effective immediately in accordance with " Fair Debt Collection Practices Act '' ( in 15 U.S.C. 1692 ). BB & T OWES ME {$1000.00}. 

FYI : REGULATION CC IS TO REGULATE HER XXXX XXXX, NOT MINE, TELL THAT XXXX   XXXX TO MIND HER OWN XXXX BUSINESS AND STAY THE XXXX OUT OF ( XXXX XXXX XXXX ) XXXX BUSINESS. 

DEMAND : BB & T NEEDS TO PAY ME {$1800.00}. 

I ATTEST, AFFIRM, AND CERTIFY THE STATEMENT AND INFORMATION IS VERY ACCURATE, VERY TRUTHFUL. 

XXXX XXXX XXXX CFPB PORTAL ONLY.