davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-04-30
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Incorrect exchange rate — 
Company: WELLS FARGO & COMPANY (MN)

XX/XX/19 I brought a cashier 's check from a respected XXXX bank into a local Wells Fargo branch to deposit. My timing was based on the goal to deposit it on a day with a higher conversion rate. I brought in a print out from their website showing that day 's rate ( 0.8029 US $ per 1 CAD $ ). The amount was CAD {$190000.00}. 
I had shown them that day 's exchange rate from the website. Managers at the branch discussed it for 15-20 minutes while I was in the waiting area. I was informed that it would be processed through the Wells Fargo Foreign Collection Service and fees would also be assessed. The process would take 4-10 weeks. I was concerned about the potential for the exchange rate to change significantly during this period. I was then told that I would get the best rate during the time period until the deposit cleared. I confirmed two more times to ensure I understood correctly and again was told it would be at the .803 rate or higher. I agreed to proceed based on this. 
On XX/XX/19, my Wells Fargo account was credited US {$140000.00}. This was based on a .744 exchange rate and less US {$200.00} fees. This was based on corporate policies that I was not made aware of. The branch did not provide the correct information to me. Using the minimum .8029 rate  discussed with them on XX/XX/19, the deposit amount should have been US {$150000.00} ( after fees were removed ). This is a difference of US {$11000.00}. I had agreed to the fees and have no issue with paying them. 
On XX/XX/19, I contacted the Wells Fargo branch and asked to make an appointment to discuss this. They said they would have manager call me. After connecting, it was agreed to forward the complaint to the Wells Fargo resolution department. A contact from that group was very helpful and kept me updated about the status of the resolution process. 
On XX/XX/19, the resolution contact called me and told me the offer from the branch is to refund the service fees of {$200.00}. I declined the offer and requested not to have the funds deposited in my account. I indicated I would seek alternate methods to have this resolved satisfactorily. I have since consulted with an attorney.
Consumer complaint received 2017-11-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: U.S. BANCORP (IL)

I received a notice from my stock trading company stating that I was denied an account due to insufficient funds because I did not have a monthly income to qualify for the account. I looked at the letter and noticed that the had my yearly income incorrect so I called them to correct that issue and when I did a few weeks later I received a credit card from the brokerage that I did not apply for. A week later I realized that the banking institution I use for my day to day transactions which holds my credit card balance was XXXX out??? How did that happen? I did not know where the balance went, who paid the balance or where it was transferred to, XXXX disappeared from my Military Banking institution without my knowledge. A month later I logged into my trading  brokerage app and found the balance was transferred to a credit card I did not apply for and furthermore, I did not AUTHORIZE ANY TRANSFER. They transferred the account balance, charged me a fee for the transfer and raised my APR. I contacted them to ask them who authorized the transfer and the customer service told me that I authorized it but could not prove ( to date ) who authorized a balance transfer. I was then transferred to their fraud department and they did an in-house investigation, a month later I received a letter of denial saying that they did not find any fraud and that I was still responsible for the credit card balance. I spoke with customer service and the fraud department on a three way call as to where the customer service representative said that my complaint resides with the fraud department to which the fraud department said they would send a letter that I would need to have a notary witness the letter upon the return to their department, I also paid for it to be certified upon receipt that they had received the letter within the time frame they put on the letter. Now I keep receiving calls from their customer service saying that my balance is seriously overdue and that the account is about to go into collection. This company has ruined my credit status from XXXX now down to XXXX due to their deceit. They transferred a balance from the my banking institution that I used to transfer money into my trading brokerage. This is not what I applied for nor did I approve to take on a transfer fee and allow them to raise my interest rate, why and who would be stupid enough to accept such a transfer? No one and thats why the illegally did the transfer and now there has been late fees incurred to this fraudulent account in access of {$2500.00} and they hurt my credit score. Please investigate this fraudulent practice of theft.
Consumer complaint received 2017-11-03
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. (AL)

I recently submitted a request to TransUnion as well as XXXX and XXXX to remove the included in chapter XXXX bankruptcy statement from my report since it was NOT LISTED in my schedules. I provided proof of my schedules they never contacted the courts to verify the matter. Also TransUnion totally misinterpreted or blaintly disregarded the letter I sent because they updated information that I DID NOT DISPUTE. TransUnion updated my student loans that were PAID for by XXXX XXXX because they were consolidated and put that my loans were included in my bankruptcy which is incorrect. That wasnt even what I was disputing they changed /updated information that I did not dispute nor request to be updated.
Consumer complaint received 2023-02-02
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TN)

Credit reporting agency failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act.

15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph 5, Subparagraph A ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph 6 ). 

A dispute was submitted on XX/XX/2022 to XXXX, XXXX and Experian and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.
Consumer complaint received 2023-02-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

XXXX XXXX IS MISTAKENLY REPORTING A DISCREPANCY ON MY CREDIT AND HAVE ACTUALLY CAUSED MORE DAMAGES TO AFTER I HAD TRIED TO FIX THE ISSUE THE FIRST TIME. I FIRST SENT A DISPUTE TO XXXX XXXX ON XX/XX/2022 TO RECTIFY AN INCORRECT BALANCE THEY WERE REPORTING. I SENT A DISPUTE LETTER AND PROVIDED PROOF OF MY SETTLEMENT PAYMENT. AFTER XXXX XXXX INVESTIGATED, THEY FAILED TO FIX THE ISSUE. IN FACT, XXXX XXXX ACTUALLY STARTED TO REPORT A DUPLICATE TRADELINE. ONE TRADELINE IS REPORTING TO 2 BUREAUS WITH A ZERO BALANCE WHILE THE DUPLICATE TRADELINE IS REPORTING TO XXXX DIFFERENT BUREAUS WITH A BALANCE. THIS IS CAUSING MORE DAMAGES TO MY FINANCES, CREDIT AND CAUSING ME MISSED OPPORTUNITIES. I KINDLY ASK THAT XXXX XXXX  BE DELETED FROM MY CREDIT COMPLETELY OR HAVE THE ISSUES RECTIFIED ASAP.
Consumer complaint received 2017-11-03
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (FL)

We have tried numerous times to work with Ocwen Loan servicing and they have been stringing us a long for years saying that they would do a loan modification and we did 2 or 3 times trial payment just to either come back and reduce it by XXXX they are just playing games with consumers. After dealing with this and the frustration we ran into a company that specialized in forensic audits in mortgages and they found that Ocwen has done fraud our mortgage and do n't even have the original note. How is it that the judges allow bank like Ocwen to come and hurt and mislead and cause bank to foreclose on home owners that are only really trying to get help in making payments because of a hardship they have been going through instead they take advantage of the situation and have no consideration nor any intent to help.
Consumer complaint received 2023-02-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC (LA)

I HAVE REPORTED THIS BEFORE SAME DISPUTE DIFFERENT COLLECTION AGENCY MY IDENTITY WAS STOLEN & I NEVER HAD A XXXX XXXX. ( See Below ) XXXX XXXX, I was assigned to investigate the XXXX XXXX account associated with the fraud packet that you submitted to XXXX XXXX. I attempted to contact you via the telephone number provided in the packet but was unsuccessful in reaching you. Unfortunately in order to proceed with the investigation you would need to file a report regarding Identity Theft with the XXXX XXXX XXXX XXXX XXXX  Department ( due to the fraud address being in their jurisdiction ) and provide us with a copy of the report. Once the report is filed with the XXXX Department XXXX XXXX XXXX will work with Law Enforcement in order to pursue criminal charges against whomever used your Identity without your consent. If you have any questions please feel free to contact me at XXXX, or via the cellphone number provided below. Have a Great Day!!!!! XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX Mon XX/XX/2021 XXXX XXXX  Sir, like I mentioned in my original statement, I'm A XXXX XXXX. We are in a XXXX, Due to my XXXX & XXXX XXXX, I went completely out my way to have the affidavit notarized. When my vehicle was broken into, it was under a {$100.00} worth of valuables stolen. I don't deal with the POLICE. I have had BAD experiences with XXXX XXXX XXXX XXXX XXXX Department. This is a total Nightmare, all I like is to get this off my Credit Report. XXXX does not have any compassion for Identity Theft, XXXX XXXX  or the fact we are in a Life Threating XXXX.
Consumer complaint received 2024-09-23
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. (CA)

Fraudulent wire transfer from a personal joint checking account with Chase bank belonging to my wife and me in the amount of {$23000.00} on XX/XX/scrub>XXXX On XX/XX/scrub>XXXX  I received a phone call allegedly from a Chase bank representative informing me that there had been attempted wire transfers on our account. I told them that those were not initiated by us and hung up the phone. My wife then called Chase directly to inquire about our accounts and was told on a recorded line that there were no wire transfers or fraudulent activity. On XXXX XXXX XXXXXX/XX/year> we logged on to our online account and saw that there was a wire transfer from our checking account in the amount of {$23000.00}. On Monday morning, XX/XX/year> I went to our local Chase branch at XXXX to inquire about the wire transfer and initiate return of the funds to our account. I was told that there had been several attempted wire transfers on the account that had been blocked during this time. Over the next several days we had multiple in-person meetings with Chase representatives at the local branch and multiple phone calls with the claims department. On XXXX our Chase branch representative filed a complaint with the Branch Complaints and Escalation department. On XX/XX/year> I was informed by the Branch Complaints and Escalation department in a voicemail message and subsequently on a recorded line that our claim was approved and that the funds would be returned to our account within 1-5 business days. On XX/XX/year> I called the representative that I had been corresponding with and informed her that the funds were not yet returned to our account. She was very surprised and told me that she would look into it and get back with me. She called me back on XX/XX/year> and told me that the claim was now denied. We met with the branch manager at our local Chase branch on XX/XX/year> and have since contacted the Executive Office to appeal the denial. They have initiated a reinvestigation of the claim, and we are awaiting the results of that now. Their phone number is XXXX. The case ID number is XXXX.
Consumer complaint received 2017-11-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Navient Solutions, LLC. (MO)

On XXXX, I received a letter from XXXX XXXX XXXX. This letter stated I had a debt owed to City of XXXX, and that this bureau will now be attempting to collect this debt. The debt owed was for traffic citations issued by city of XXXX in XXXX XXXX. 

I 'm not a resident of XXXX nor have I visited XXXX. I check the city 's website to obtain further info on citations. The person listed on these tickets had same name as I do, so I thought this could just be some mix up. 

I tried contacting XXXX XXXX XXXX to resolve this situation. Unfortunately every time I called the numbers provided on letter I received, there was no answer. An automated voice would play and said to " Leave a message ''. I was very skeptical of this since every time I called these numbers, there was no answer, and there was n't any info given before leaving the message. I just want to make sure I 'm calling the right company, and that this is n't some kind of a scam. I did call during business hours that were listed on letter, but it went to voicemail every time. 

The letter stated if I do n't take any action, that I could be arrested. This letter I received has made me quite upset. I understand someone owes this debt, but its quite frustrating when I received this letter in error, and I ca n't even contact this company to resolve the situation.
Consumer complaint received 2017-11-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Bread Financial Holdings, Inc. (OR)

PayPal Credit Account Opened in my name. I have no knowledge whatsoever of this account. 

Reported to PayPal credit by phone a few months ago. Received letter stating that based on their investigation they were unable to validate my claim of fraud. 

Completed signed Affidavit of Fraud to PayPal Credit today.
Consumer complaint received 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

I was alerted today XX/XX/XXXX from XXXX that my social security is on the dark web. Had to receive a new Debit card. 
My old Debit card was close on XX/XX/XXXX. 
XXXX Bank issue a new one on XX/XX/XXXX I was a victim of identity theft in XXXX. Someone file my income tax. Is it true that once you are on the dark web it can't be removed.
Consumer complaint received 2021-11-24
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: LEXISNEXIS (VA)

Lexis Nexis is reporting inaccurate bankruptcy on my credit report I have been trying to see how this how verified this because this information this not match my records and under section 168 of the FCRA they are suppose to verify all information that is being reported incorrect in 30 day or remove it from my report they have not done either one and I need all inaccurate information removed
Consumer complaint received 2021-08-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Debtsy Holdings, Inc. (VA)

I have never heard of this company Debtsy , Inc . but I am suppose to be owner of a card that I do not have last year 5 cards were open in my name using my phyical address instead of my mailing address the way I found out about these cards is I started getting bills for accounts not being paid I am XXXX years old I am trying to get out of debt not make debt but there were 7 attempts to acrue credit in my name and 5 cards were issued to someone and it is showing up on my credit report thats when I became aware of this I talked to someone for one of the cards but it seem like i am getting know where with this, one of the cards is to a XXXX XXXX for XXXX I would not even except a XXXX card or why would I need a XXXX  card please work on taking care of this issue I do pay my bills but I can not pay bills for someone else. I have never dealt with creditor.
Consumer complaint received 2017-11-04
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TENET HEALTHCARE CORPORATION (IL)

This is an account that you all have assisted me with complaint id # XXXX I was told that the hospital would not accept the proof I sent and when I contacted the hospital they stated that there was n't anything in there file stating that they spoke central financial control. My credit report reflected that it was removed and here a few days ago it is back on their. I have pictures I do n't understand why that form XXXX worked with all the rest of my medical bills but not them. Please help. And I also noticed on the different reports they show under different names.
Consumer complaint received 2017-11-04
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: TD BANK US HOLDING COMPANY (NY)

I went to XXXX XXXX dealership on XXXX XXXX. On the same day, they ran an inquiry into my credit for car loans and financing. On XXXX XXXX, they ran more inquiries, multiple ones, without my consent and without me being there. All of these credit inquiries were unauthorized. On XXXX XXXX, I call the XXXX dealership and they said they could not remove these inquiries from my credit report. XXXX made car loans applications on my behalf without me knowing. I also called the financial institutions XXXX made these applications to. XXXX and XXXX financial departments opened cases to look into this situation. XXXX XXXX and XXXX department refused to, claiming they could not do anything.
Consumer complaint received 2023-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

Reached out numerous of times to dispute the inaccuracy being reported on all three credit bureaus by asking for a good will adjustment due to the inaccurate payment history, being displayed and reported differently on all three reports my request was denied
Consumer complaint received 2017-11-03
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (WI)

I attended XXXX XXXX XXXX for my XXXX degree in XXXX XXXX and graduated in XX/XX/XXXX. I have been receiving numerous calls from Navient stating I have {$60000.00} in private loans. I never signed papers stating I had this much in private loans. XXXX XXXX XXXX pressured me one semester prior to obtaining my degree I would need to take out a private loan for the remainder of tuition but never informed me on the amount. My private loans have now gone into collection and they are demanding the full cost of the private loan to be paid in full. When I said I did n't have this kind of money, they dropped the cost to {$33000.00}. When I said I did n't have this amount, they informed me to seek out a loan from family, peer to peer, or take it from my 401K. I do not have this kind of money nor will I ever. They stated it would go to an attorney for lien proceedings if not paid byXX/XX/XXXX. This is just on my " private loans ''. They also stated my federal loans are well over {$250000.00}. I 'm sure you could imagine my thoughts on this. The cost of these loans are outrageous. XXXX XXXX XXXX really put my life into a XXXX I can never get out of. Now with XXXX XXXX XXXX closed by the Federal Government for these same reasons, my loans should be forgiven as well because I was forced into signing papers for one semester which turned into {$60000.00} and due to the scheming ways in which XXXX XXXX XXXX promised their graduates the world was a blatant lie. I do n't even have nor did they offer to help find a career in my degree field. I 'm looking for assistance as I will never be able to pay these loans in my lifetime. The amount totals with private loans included, over {$300000.00}. Please help!
Consumer complaint received 2017-11-04
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: CREDIT ACCEPTANCE CORPORATION (MO)

XXXX XXXX XXXX calls approximately 10-15 times a day on certain days from XXXX- XXXX. Sometimes on weekends. All call are robo calls or in person calls. We are financially struggling and tried working things out, but these harrasing call are getting out of control. After talking to them they call the next day over and over.
Consumer complaint received 2023-03-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAC Financial Corp (GA)

I was staying with family in XXXX Alabama in XXXX of XXXX I had health insurance at my home state of Illinois. I went to the XXXXXXXX XXXX  at XXXX XXXX XXXX XXXX. I gave my insurance ( XXXX XXXX XXXXXXXX XXXX ) information to the administrator on duty at the time of care and again two or three more times over the phone once they began billing me. After being turned over to CAC Financial collection agency. I engaged with them on two occasions to give them the same information and to let them know this was not a valid debt. This has now gone on for over 18 months with no end in sight. I dont believe the insurance will accept a claim now that this much time has gone by. This is solely the fault of the administrative staff of the hospital and the complacency of the collections agency.