davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Self Financial Inc. (PA)

My Account with XXXX XXXX XXXX XXXXXXXX also was reported as a charge off it was written off as a loss the company was supposed to send a 1099 c form but never did I am asking for this to be deleted under 15Usc1681eb that states accuracy on credit report this is a violation XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Self Financial XXXX XXXX XXXX
Consumer complaint received 2018-02-03
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Wrong amount charged or received — 
Company: Coinbase, Inc. (MA)

On several occasions, I executed regular market orders with associated " taker '' fees, as advertised on XXXX XXXX XXXX ( and on supporting screenshot ). The fee stated for the smallest volume tier ( which I fall into ) is 0.25 %, however the actual fees charged are consistently 0.3 % ( see supporting screenshot and XXXX for example transactions ). I have re-computed these fees myself over several different transactions ( from XXXX extracts provided by XXXX/Coinbase ) and the problem seems to exist on both buy and sell sides of the transactions, unfairly charging greater-than-expected fees. 

These aren't rounding errors, they're very clearly fee overcharges ( which is likely not malicious, but is depriving investors of expected monies ).
Consumer complaint received 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CBC Companies, Inc. (GA)

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : late payment : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-10-03
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CCF Intermediate Holdings LLC (IN)

My mother was contacted by XXXX referencing case number XXXX about being served a legal letter that was intended for me, XXXX XXXX. My mother lives in New Hampshire and I live in Indiana. When I called the number I spoke with XXXX XXXX who stated she was with XXXX and XXXX and they were the legal representatives for Check into Cash for which I owed a debt of around {$1200.00}. I stated I would need to see the payment options, to which she stated there were two, one of which would involve me paying legal and attorney fees for around {$3000.00} or I could make two payments for the {$1200.00}. I stated I would have to make two payments as I'm not currently employed but I would need to see this in writing first. I was sent a Stipulation Agreement by XXXX XXXX with the same company and when I looked over the information I noticed they had my name listed as XXXX XXXX and this debt is from XXXX. Also stated on the call that the debt was listed on my credit report and was in a specific status as recently as XXXX. Neither of these are true. There is nothing from any of the three credit bureaus stating I owe this money. I believe this debt to be time barred and these companies, XXXX and XXXX and Check into Cash to be using abusive tactics by contacting family members and threatening legal action to sue in a state I'm no longer in by means of a state I've never lived in to try and collect on a debt I do not owe.
Consumer complaint received 2024-10-01
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: Fidelity National Information Services, Inc. (FNIS) (CA)

Subject : **Urgent Demand for Immediate Investigation of Fraudulent Charges** This letter serves as a **demand for immediate action** regarding fraudulent charges on my checking account, which I opened with XXXX XXXX  My debit card was **stolen and used without my authorization**, or approval and I hold your organization accountable for your failure to detect and investigate these fraudulent transactions.I opened the checking account associated with my XXXX debit card. Shortly after, my debit card was stolen, and **unauthorized transactions** were made. These charges are **fraudulent**, and I expect a thorough investigation without delay. I have contacted XXXX, and they have confirmed that these charges are unauthorized and that was not created by me. They have agreed to **remove the fraudulent charges** from my account. I demand that ChexSystems take **immediate corrective action** to reflect this in your records. 
I have also filed an identity theft report, as advised. However, I find it unacceptable that ChexSystems appears unwilling to accept this claim. Your organization needs to acknowledge the reality of this situation and act accordingly. I am not familiar with the proper procedures for disputing fraudulent activity, but I insist that you take this seriously and assist in resolving this matter promptly. Your negligence in handling this issue is **unacceptable** and has caused significant financial and emotional distress. **I will not tolerate any delays or excuses**. If you do not take swift and proper action, I will escalate this matter to the **Federal Trade Commission ( FTC ), the Consumer Financial Protection Bureau ( CFPB ), and other relevant regulatory agencies**. You will be held accountable for your incompetence in safeguarding consumer accounts. ChexSystems has a history of fines and penalties due to inadequate consumer protection practices, and I will not be another victim of your failures. I fully expect this matter to be handled with the urgency it deserves. If I do not receive a satisfactory resolution within **seven days**, I will pursue legal actions to seek damages for every financial and emotional consequence caused by your system 's deficiencies.This letter is your final warning. **Take immediate action** to investigate the fraudulent charges on my account. 
XXXX XXXX
Consumer complaint received 2024-10-01
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (CA)

XXXX received on XX/XX/year> from Resurgent Capital Services in my request to validate the debt did not include the requested purchase agreement from the original creditor, cancellation of debt from the original creditor and also does not answer to my question of why they have this debt listed several times on my credit report. Their letter states they are resurgent capital services ( listed on my credit reports ) but that the current owner of the account is LVNV funding LLC, ( listed on my credit reports and then they list XXXX XXXX XXXX XXXX, XXXX Purchasing as well. Immediately upon requesting validation of debt they are sending emails threatening lawsuits when they havent even sent me the information requested. They sent no information to actually validate the debt.
Consumer complaint received 2024-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On XX/XX/XXXX I attempted to call transunion to resolve an issue that kept occurring causing me to not have access to my credit report and getting denied due to not being able to verify my identity. When I called I was able to reset my password but they had to transfer me to a different department to find out whats wrong w my credit report, after they transfer me to their online department I wait some time before saying hello several times. The person on the other end mumbled something then fell back asleep. I then got frustrated and hung up cause the guy was talking over me I asked to speak with his supervisor and he didnt respond we had to yell into the phone for his response
Consumer complaint received 2024-10-03
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: PENTAGON FEDERAL CREDIT UNION (GA)

I refinanced an auto loan with XXXX XXXX XXXX with Pentagon Federal Credit Union. 
The credit union began calling me with late fees because they charged me an unsecured interest rate because they had not received the title for my vehicle. I paid these fees accordingly. 
I have a letter dated XX/XX/year> from XXXX XXXX XXXX stating that they have sent my title the XXXX. I called XXXX numerous times to stop the increased interest rate and subsequent fees given this letter ; especially because XXXX shared with me that they could pull my title in real time online as soon as it was released. I was told they would stop charging me the increased interest. 
Beginning in XX/XX/year>, we began traveling with family driving cross country until XXXXXXXX XXXX XXXX. Upon our return, XXXX called and I spoke with them- they were asking for additional documentation to sign the title over to them. They repeatedly said it had been emailed. I never received it via email. I did receive it via XXXX the week of XX/XX/XXXX - over 5 MONTHS AFTER the title was available to them to do this ( It is postmarked XX/XX/year> ). Per the instructions, I completed the documents and mailed them as instructed. The letter specifically states that photocopies are not acceptable. The ORIGINAL application form must be returned to PenFed. 
Today I received a notice that they recorded a late payment from me due to these charges. This is absolutely fraudulent and a clear example of trying to increase interest income when they do not have the grounds to do so. 
I want my XXXX corrected and the past due interest removed from my account.
Consumer complaint received 2024-10-01
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (NC)

I received an email today from Synchrony Bank saying they are going to charge a {$1.00} fee each month for paper statements starting in XXXXXXXX XXXX. This is my Crate & Barrel credit card, but it can be used anywhere XXXX is accepted. 

I explained I need to get paper statements, as its how I keep track of my bills and always pay on time. I pay by check that I mail in each month. I wanted the fees waived, but they refused to accommodate my request. I have an excellent credit rating and am a very good customer. As a show of good faith and a goodwill gesture, they need to honor my request and I cant believe there isnt a law against charging consumers for paper statements if thats my preference and how I choose to pay my bills.
Consumer complaint received 2024-10-01
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: BMO Bank, N.A. (IL)

On XX/XX/XXXX, I opened a CD account with BMO Bank online. {$210000.00} was transferred from my XXXX XXXX  account # XXXX to BMO Bank. The money was deducted from my bank account. 

On XX/XX/XXXX, I called BMO and was told to go to a local BMO Bank. I went and showed my driver 's license and passport. I was told to call the fraud department. I called fraud department and was informed that the transfer was being alerted that the money wasn't mine. So, my account will be closed, and my money was rejected. I tried to explain that {$210000.00} was deducted from my XXXX XXXX account, but to no one listened. 

Later, I found a deposit receipt that BMO emailed me indicating that the {$210000.00} came from XXXX XXXX account # XXXX. I called BMO fraud department and told them that the money was deducted from my account # XXXX. I don't have account # XXXX. I asked for help since this may be fraud. Per the BMO fraud department, there's nothing they can do and I need to work with XXXXXXXX XXXX 

I talked to XXXXXXXX XXXX every day, and my case was escalated to the executive team. They researched. On XXXXXXXX XXXX side, they confirmed that the money did come out of my account # XXXX and went to BMO Bank. XXXXXXXX XXXX denied having place the alert. Per XXXXXXXX XXXX, they don't know any bank account ending in XXXX. Per XXXX, they didn't receive any returned money from BMO either.

I talked to BMO Bank and asked for proof that they returned my money. On XX/XX/XXXX, BMO Bank provided with a ACH tracking number indicating that is the proof that they sent the money back. XXXXXXXX XXXX informed me today XXXX that the ACH tracking number XXXX BMO provided was wrong. It's proof that they accepted the money from XXXX on XX/XX/XXXX. That's not the right ACH tracking number to prove that BMO Bank returned the money. 

BMO Bank is unable to prove that they returned the money to XXXXXXXX XXXXk. According to XXXXXXXX XXXX, it doesn't matter what account BMO return the money to. As long as BMO Bank returned the money to XXXX XXXX XXXX XXXX can still credit me back my money. 
BMO couldn't provide any proof that they returned the money tXXXX XXXX XXXX Now, BMO Bank refused to talk to me. XXXX XXXX doesn't have the money back from BMO Bank. I'm out of {$210000.00}. Neither bank is helping me out. XXXX XXXX is not helping me. BMO Bank is not helping me. I need help please.
Consumer complaint received 2024-10-01
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (MD)

I have been an Amex Gold cardholder for XXXX years. In early XXXX, my husband joined the military, and I contacted Amex to inquire if I could qualify for the Servicemembers Civil Relief Act ( SCRA ) and Military Lending Act ( MLA ) benefits as a military spouse. 

During a call between XXXX and XXXX, I specifically asked an Amex representative, Would I be eligible for benefits like the annual fee waivers if I qualify? I received a clear affirmative response. At no point was I informed that there were XXXX possible outcomes : 1 ) I qualify, or 2 ) I do not qualify. There was no mention that I might not be eligible. This miscommunication led to my assumption that I fully qualified for the benefit. 

Based on this assurance, I upgraded to the Amex XXXX card, expecting the {$690.00} annual fee to be waived. However, in XXXX, I was unexpectedly charged the full annual fee. When I realized this, I reached out to Amex multiple times to resolve the issue, as I believed this was a mistake due to the miscommunication during my initial inquiry. 

My request is straightforward : I am seeking a full refund of the {$690.00} fee because I acted on incorrect information provided by Amex. As soon as I learned in XXXX that I did not qualify, I immediately requested to close the card and discontinue the service. 

I am eligible for these benefits with other banks, including XXXX, and my research showed no reason why I should not qualify at Amex. This has caused frustration and financial inconvenience due to a lack of clear communication on Amexs part.
Consumer complaint received 2024-10-03
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: F.H. Cann & Associates, Inc. (MA)

This debt collection agency has been calling family members multiple times a day, every day for a loan that was fraudulent opened. They have failed to prove the loan belongs to me. They are breaking the law with their constant calling of individuals that arent me.
Consumer complaint received 2024-10-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (FL)

XX/XX/year> I entered Wells Fargo Bank at XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX. 
I spoke with a bank representative to get my deceased husband 's banking information so I can pay his bills, see who has direct withdrawal, etc. I brought a copy of the death certificate, his form naming me as beneficiary and my ID. 

The only thing they did was lock his accounts. I can't even see his balances on his ATM. 

This is about as cold hearted as a company can get. I can't even pay his bills.
Consumer complaint received 2024-10-03
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A. (FL)

I discovered my ex husband had stolen my identity and with out my consent or knowledge had me on numerous credit cards ( some of these cards were taken out after the divorce and any cards from before the divorce XX/XX/year> are ordered to be closed ). All of the credit card companies except for Citi bank removed me from the fraudulently obtained cards after providing them with a police report. I have called, emailed, and written physical letters to Citi and they will not remove me from the card he has me on as an authorized user. I have disputed it with XXXX and they will not remove it because Citi will not remove me only he can remove me. I have sent them the police report and explained repeatedly that this was done with out my knowledge or permission and the cards need to be closed. CITICARDS CBNA Account XXXX is one of the cards. I do not have nor authorize myself to be on any Citi Bank Cards, this is not an instituion that I use nor want to use. Please help me get removed from the Citi Bank cards my name is XXXX XXXX but he sometimes uses my married name, XXXX XXXX, and social.
Consumer complaint received 2017-12-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ERC (AZ)

Company is reporting as a new account for an outdated debt. Collection Company is reporting as derogatory. Company states it is for XXXX. They have marked my debt as 1 year 11 months. I have not had XXXX in over three years and have been a loyal XXXX customer. 

I mailed the company to let them know of the error. Rather than contact me or work together to figure this out, the company falsely added the amount past due. 

Report is missing past due amount, date of last payment, monthly payment, and frequency. 

Please help me get this item removed. I am contesting the time and the vast lack of information, as mentioned above.
Consumer complaint received 2024-10-03
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: SANTANDER HOLDINGS USA, INC. (FL)

Hard inquiries on my credit report of accounts I do not own. I did not authorize any inquiries from these compnies. 
XXXX XXXX XXXX XXXX - XX/XX/year> XXXX XXXX XXXX XXXX XXXX Auto Financing XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX  Auto Loans XX/XX/year> XXXX XXXX XXXX - XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX - XX/XX/year> XXXX XXXX - XX/XX/year> XXXX XXXX
Consumer complaint received 2017-09-30
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. (TX)

XXXX is reporting account XXXX as my account as a result of transfer from XXXX XXXX XXXX in XX/XX/XXXX. This account is not mine and XXXX should remove it from my credit report. On XX/XX/XXXX XXXX XXXX XXXX, XXXX 's attorney, sent correspondence advising they would update the report after the Court made a decision referencing this alleged transfer from XXXX XXXX XXXX. On XX/XX/XXXX, the Court order the Rescission Deed that XXXX gave them authority to collect this debt was invalid. XXXX should update their records and remove this line of credit from all the credit reporting agencies.
Consumer complaint received 2024-10-01
Product: Debt or credit management — Mortgage modification or foreclosure avoidance
Issue: Confusing or missing disclosures — 
Company: WELLS FARGO & COMPANY (NC)

On XX/XX/year>, I received a letter and a check from Wells Fargo regarding an my account that should have been evaluated for a loan modification, but was not. However, when asked for an explanation, they simply read the letter to me that I received, with no further explanation or clarification. I received a check for {$200.00} followed this wording to make this right. 
I was told that the cashiers check was legitimate, however, I remember having to pay thousands, not to loose my home.
Consumer complaint received 2017-12-06
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: FCI Lender Services Inc. (MI)

On XXXX XXXX, XXXX to this Day XXXX XXXX, XXXX, I received calls and was threaten by the XXXX XXXX Department from FCI Lender Services , Inc.,  XXXX. XXXX XXXX, XXXX XXXX, CA, XXXX, ( XXXX ) that I will be foreclosed and arrested from my home if I do n't pay the remaining balance on my Mortgage. 

My Home Mortgage was sold to this company by XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX FL XXXX XXXX, ( XXXX ) As a XXXX XXXX Veteran, I 've lived in my Home for 26 years, I simply want to pay my Mortgage off with the Modification I had before it was sold to this company. Currently, The FCI Lenders , Inc., has over charged the value of my Home -Mortgage. My Home has been appraised at {$140000.00} for my area- yet, FCI is demanding I pay {$260000.00} Cents for my home -- this is fraudulent and wrong.
Consumer complaint received 2018-06-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A. (FL)

There a XXXX card that i never apply for under my name it was open on XX/XX/2016 i never had a XXXX credit i been asking XXXX   to remove i even told XXXX it was fraud but equitable wont remove me also there a XXXX inquire on my report and i dont have XXXX they close the account beacause it was fraud but they wont remove it from my account XXXX and XXXX.
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX