davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-07-22
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY (IL)

On XXXX XXXX of 2015, before the close of the business day, I deposited my payroll check into my checking account with Wells Fargo bank in the amount of {$1000.00}. As of today, XXXX XXXX 2015, three business days after the deposit, five real days, the funds are still not available in my account. I contacted Wells Fargo regarding this issue multiple times and was told that my funds would not be made available until XXXX XXXX 2015, eight business days after the deposit, twelve real days. In my XXXX interaction with Wells Fargo ( XXXX/XXXX/2015, XXXX ) I was told that the financial institution that had issued the check had not yet released the funds and would not until XXXX/XXXX/2015. I then contacted my employers payroll department and inquired on this issue and was told that Wells Fargo 's claim was completely false. It was explained to me that the company I work for sets aside the funds for payroll before the checks are even cut and issued and the money was available on their end before I ever had my check in my hand. I contacted Wells Fargo once again regarding this issue later that same day, XXXX/XXXX/2015. This time the explanation as to why my funds were not available had changed. I was told that there was a high probability that the check would not be paid. An absurd claim considering that my company employs over XXXX people and all the other employees had already been paid. Also, two weeks prior I had deposited my payroll check from the same company, issued by the same financial institution, in exactly the same manner and the funds were made available the very next day, a Saturday no less. Had I known beforehand that Wells Fargo intended to hold my money for such an extended period of time, I would not have deposited it. Legal or not, Wells Fargo has an obligation to inform their customers beforehand if such an extended hold is even a possibility. Wells Fargo flat out refuses to do anything about this issue. I am XXXX of Americans living paycheck to paycheck and while I wait for my funds to become available, I have rent that needs to be paid, bills that need to be paid and I do not have the financial means to even feed myself as a result of this extended depository hold. The absurd length of the hold was only told to me after the deposit was made, leaving me with no option other than waiting.
Consumer complaint received 2016-03-23
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (MA)

My mortgage company, Wells Fargo sent me an Escrow account disclosure statement to inform me that I had an Escrow shortage of {$1600.00}. I was advised in this same document that by paying the amount previously mentioned by XXXX XXXX that my new mortgage payment would be {$1500.00}. The {$1600.00} was mistakenly applied to my XX/XX/XXXX payment, which was eventually resolved. However, I was informed by Wells Fargo on XXXX XXXX that my new payment was going to be {$1500.00}. When I called to ask where the extra {$10.00} was coming from I did not receive a clear, satisfactory explanation. I was also told that nothing could be done to restore the payment amount on Escrow account disclosure statement of {$1500.00}.
Consumer complaint received 2015-07-04
Product: Money transfers — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (VA)

On XXXX XXXX, XXXX, I was left a message on my phone that stated they were from the IRS Fraud department and they were advising me that the IRS was filing a suit against me for defrauding the federal government. The message gave me a phone number to call and of course I needed to get information as to why I was being sued. When I called, the woman on the phone said that a yellow notice had been put on my door on XXXX XXXX, XXXX and that I had 19 days to respond. When I said I did n't get a notice on my door, she asked if I was calling her a liar and she said she had a picture of my house with the notice attached to my door. I asked what I had done wrong and she said " you know what you 've done between XXXX and XXXX '' and an officer would be at my door in XXXX minutes to arrest me, handcuff me and take me to jail. By then I thought I was going to lose it. She then said, that there was XXXX option she could offer me and would give me time and the arrest warrant could be stopped. She told me that I owed approximately {$4900.00} to the IRS. She said the time was ticking and that I needed to move fast. She had me go withdraw {$5000.00} in cash from my bank. She stayed on the line because she said she needed to give me further directions. She then asked me to go to the Wells Fargo Bank and make a deposit to a certain account number and gave me the name of the person it was going to. She said that if I was asked why I was sending this large amount, to say I was helping a sick friend. I ask why and she said that banks have to put a freeze on all my assets if they get the feeling that I was in trouble with the IRS. She had me deposit {$3000.00} that time. Then I was directed to get back in my car and she would give me further instructions. This time she told me to go back into the bank and deposit the other {$2000.00} to a different account number. She told me to go to a different teller so it wouldn ; 't look suspicious and to keep her on speaker phone. She said that was the only way that she could assure me to keep me out of jail and out of court. She then asked me to go to XXXX XXXX XXXX on XXXX XXXX in XXXX, VA and have then email a copy of the XXXX receipts to XXXXXXXXXXXX. I told her I did n't know where that was so she instructed me to go to XXXX XXXX and have them email it. After that was done, she kept me on the line waiting for a confirmation number so that I could be sure that the attorney had cleared everything up. By time I realized that I had been scammed, it was too late. I could n't imagine how I was so stupid to fall for this scam. A report has been filed with the XXXX Police Department..
Consumer complaint received 2015-07-04
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (AK)

I sold my house, the mortgage was paid on XXXX XXXX, 2015, the mortgage company, Wells Fargo Home Mortgage, is holding my escrow refund for two weeks and also insists that they ca n't deposit the funds to the account from which they withdraw them but must mail them. Although I have rented a mailbox from the XXXX, I will be leaving the area and will not be here when the check arrives, It is impossible to rent a mailbox at my intended destination - you ca n't get XXXX unless you show up in person. It looks like I will have to wait until I get to my eventual destination and pay to have my mail forwarded, perhaps the check will show up, perhaps not. 
I think WFHM is doing this to extend the time that they have the money, doing so at my expense.
Consumer complaint received 2023-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ENOVA INTERNATIONAL, INC. (TX)

I had a previous CFPB complaint with Net Credit regarding the account interest being unaffordable. In good faith I took their advice to set up a payment arrangement and made the first payment. Net credit is reporting derogatory remarks to my account from two different reporting names and also. Not reflecting my payments or balance decreases.
Consumer complaint received 2023-10-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make 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.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2015-09-18
Product: Credit card — 
Issue: Bankruptcy — 
Company: JPMORGAN CHASE & CO. (OR)

I had a reward card for numerous years. I had built up a substantial rewards balance on the card. This card was usually always paid off monthly. The charges were substantial. As the result of losing a contract and closing a business with XXXX locations I was forced to file chapter XXXX protection. There was no balance on the credit card company, in fact a small credit balance. Immediately on filing chapter XXXX the credit card company closed my account and said I forfeited my rewards points. This feels like fraud to me and very unethical. The card was used, they made their money on the businesses, I owed them no balance. This was over XXXX points. I 've spoken with the company and XXXX different customer service reps and told the same thing that I forfeited the points. If this is legal then it should be made illegal as its certainly unethical.
Consumer complaint received 2023-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-10-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I did not initiate these inquiries, and I strongly suspect them to be fraudulent. I am formally requesting that you undertake a thorough investigation and take necessary measures to remove them from my credit report. I have enclosed the required documents as evidence supporting my claim.
Consumer complaint received 2015-09-20
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: PARSON BISHOP SERVICES, INC (TX)

My fraternity dues ' debt was sent to Parson Bishop for collection, though the amount they are stating is incorrect. They are saying I owe {$650.00} when I have an e-mail from the original creditor stating I only owe {$290.00} for the XX/XX/XXXX semester. They are charging me an additional semester ( XX/XX/XXXX ) for which I was already terminated and did not take any part of. My debt was recently reported on my credit and dropped my score over XXXX points. I was unable to pay before because of my low income, but have recently deferred my student loans while I get my XXXX, and plan to use those funds to pay off my debt.
Consumer complaint received 2015-04-23
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC (OH)

I am beginning to receive calls at my current place of employment for a home that foreclosed while I was married. In my divorce the judge ordered my husband responsible for ALL marital debt. This was a marital debt and he is responsible per the XXXX County Courts, 3 years ago! The calls have just started coming and they are very persistent! What am I to do. You can not drain blood from a turnip. I am a single mother of XXXX and care for my XXXX mother. Please help make it stop!
Consumer complaint received 2016-02-05
Product: Money transfers — International money transfer
Issue: Other service issues — 
Company: WESTERN UNION COMPANY, THE (MN)

I am writing because of what I perceive to be a blatantly dishonest practice on the part of Western Union and because I have tried many, many times to contact the company through every means of communication they offer and have been unable to reach anyone who can or will help with a resolution or even take the time to answer XXXX simple question. Here is the problem. When you transfer money with Western Union they offer XXXX main methods of payment, XXXX of which are transferring directly from a bank account and transferring from a credit or debit card. Every single time I transfer money with them and select to use my bank account, the less expensive option, I always get a message stating the transaction could not be completed using the selected payment method and directing me to choose another payment method. Yet as soon as I switch to using my bank debit card, from the same bank and connected to the same bank account, and also the more expensive option, the transaction goes through just fine immediately every single time. The difference in fees between these XXXX payment methods is substantial, many times the fee is literally double to use the debit card option! 

I have discussed this with my bank and they have assured m they are not blocking or restricting the transaction in any way whatsoever, and that it is not a fault in their system, so the problem definitely is on Western Union 's end of the transaction. When I call their " customer service '' agents on the phone I am told by them that for " security reasons '' they are not given access to the information that would enable them to tell me why this problem continuously occurs, they are not able to give me any further information and they can not give me a solution other than to tell me to try again later. I have emailed Western Union several times through the main email address for customer service on their website and through an additional email given for their customer service advocate department and no one will respond or get back to me to help me resolve this issue. All of these things cause me to feel like these practices are intentional on Western Union 's part and that I and other people who are undoubtedly having the same problem with Western Union are being cheated by this company to force us to pay the higher, often double fees. I am a patient and courteous man but I have tried every XXXX available to resolve this directly with Western Union and they simply will not respond and help me or even take the simple common courteousy to offer me any explanation whatsoever! 

Therefore it is finally in frustration that I turn to the Consumer Financial Protection Bureau for help in this matter because I am really concerned that Western Union has a dirty, dishonest practice that is cheating me and a lot of other people out of a lot of extra money! Please take the time look into this matter and do kindly reply and let me know how the bureau may be able to help us bring a resolution to this matter. 

Sincerely XXXX XXXX
Consumer complaint received 2023-10-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

Continue to report an FTC case on my credit report. Disputed multiple times. They do not investigate. 

Item disputed XXXX XXXX XXXX XXXX XXXX Issue type Account ownership and fraud issues Issue I am a victim of Identity Theft and have a police report or FTC ID Theft report. 
Confirmation # XXXX
Consumer complaint received 2023-10-26
Product: Credit reporting 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. (CT)

PLESEE VERIFY THESE ACCONTS, BECAUSE THE INFORMATION ON THESE ACCOUNTS IS INCORRECT *XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX IS NOT MINE, REMOVE XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX DELETE THESE INQUIRIES DEPT OF ED XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: DISCOVER BANK (NJ)

There was a hard inquiry on my credit report that I didnt recognize. Disputed with XXXX as well as Discover. Inquiry is being reviewed by XXXX and Discover is in the process of canceling the inquiry as well.
Consumer complaint received 2015-07-22
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: TD BANK US HOLDING COMPANY (CA)

I have deliberately overpaid my Target Red credit card, which resulted in positive credit balance, in order to increase the purchasing limit on my Target credit card. But when I tried to use my card, Target suspended it and did not allow me to use their card to make purchases, nor did they accepted to close the account and refund the credit balance. 

I contacted Target to resolve the matter, but Target kept stalling and delaying for unreasonably long period of time. First they requested that I fax them XXXX documents to " verify my identity '', which I complied with by sending them the documents more than once as Target claimed they " did not receive '' my fax. Finally, Target admitted that they did receive the documents to verify my identity. 

But even after verifying my identity, Target refused to release the funds to me ( by letting me use the card, or by refunding me the balance on my credit card ). This time, Target demanded to verify the source of funds that I used to overpay my credit card, so I explained to them that the source was prepaid XXXX debit cards, which I used in their own store to pay my target credit card, and therefore they have the detailed record of the source using their own system, but Target still refused to release the credit balance with the pretext that they " need to investigate the source of the funds '', and they refused to give me a date for when their investigation will be competed. 

Already one whole month has gone by for this investigation and the investigation does not seem to be going anywhere, and to me it seems Target wants to keep this investigation going indefinitely for the sole purpose of stealing my credit balance rather than to actually do any investigation.
Consumer complaint received 2016-03-23
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I have disputed the ( XXXX ) Chapter XXXX 's several times, we only filed a Chapter XXXX that was discharged XXXX/XXXX/11. I have requested several times that they send me information on the XXXX Chapter XXXX 's that are on my reports, no response. I am attaching my chapter XXXX discharge papers on case # XXXX.
Consumer complaint received 2023-10-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

Unresolved Identity Theft Incident Resulting in Fraudulent Account and Credit Report Discrepancies I hope this message finds you well. I am writing to express my deep concern and frustration over fraudulent activity that has adversely impacted my credit report that reporting on Equifax only. 
A few months ago, I fell victim to an identity theft incident wherein my XXXX login credentials were stolen and subsequently disseminated on dark web markets. This breach led to unauthorized charges on all the cards linked to my XXXX XXXX, including a particularly significant fraudulent charge on my XXXX XXXX XXXX credit cards. 
The account details for the fraudulent charges are as follows : XXXX XXXX XXXXXXXX account, opened on XX/XX/, with a balance of {$7400.00}. 
XXXX XXXX XXXXXXXX account, opened on XX/XX/, with a balance of {$1000.00}. 

The total unauthorized charges on these accounts alone exceeded {$8000.00}. 
Upon discovering these fraudulent activities, I promptly filed reports with both the local police department and the Federal Trade Commission ( FTC ). Copies of these reports were forwarded to the major credit bureau, and Equifax as part of my dispute process. 
Despite my earnest efforts to resolve this issue and numerous disputes submitted, I regret to inform you that this credit bureau have yet to adequately address my concerns. Not only has their response time significantly exceeded the 30-day period stipulated by law, but I also believe that a thorough investigation into my case has not been carried out. Consequently, the fraudulent XXXX XXXX XXXXXXXX card is still unjustly affecting my credit report. 
Given the severity of this issue, I am now turning to the Consumer Financial Protection Bureau ( CFPB ) in the hope that you can facilitate a proper investigation into this matter. I am keen to get this fraudulent XXXX XXXX XXXXXXXX card removed from my credit report promptly to prevent further damage to my financial wellbeing. 
Thank you for your attention to this pressing issue. I am looking forward to your prompt response and assistance in resolving this matter.
Consumer complaint received 2024-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: ALLY FINANCIAL INC. (VA)

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XX/XX/2024 Consumer Financial Protection Bureau Dear CFPB, I am writing to request your assistance regarding a troubling situation I am experiencing with Ally Financial. I have found that they are repeatedly attempting to withdraw funds from my bank account without my consent. This ongoing issue has escalated to what I believe constitutes identity theft, and it must be addressed immediately. 

Despite my attempts to resolve this matter directly with Ally Financial, I was informed by one of their customer service representatives that they have no intention of ceasing these unauthorized withdrawals. Instead, I was advised that I need to ask my bank to stop the payments, which I find unacceptable. 

This situation has caused me considerable XXXX  and has negatively impacted my ability to provide for my family. As a single father, these unauthorized transactions are taking food out of my childrens mouths, and I can not allow this to continue. Also Ally Financial never returned my money. 

I respectfully request your intervention in this matter to help put an end to these unauthorized transactions and to protect my rights as a consumer. I appreciate your attention to this urgent issue and look forward to your prompt response. 

Thank you for your assistance. 

Sincerely,