davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-03-28
Product: Money transfers — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (TX)

I made a wire transfer on Saturday XX/XX/2017 for {$40000.00} through my account at Wells Fargo bank to an account owned by XXXX at XXXX for the purchase of XXXX cars. The transfer was done on Monday XX/XX/2017 because i initiated it on a weekend. After the wire transfer, i was suppose to get a shipping confirmation from XXXX, but to my surprise XXXX XXXX XXXX disappeared. Their phone were cut off, no email response nor text message response till date. After further investigation i found out they have done the same thing to so many people, a lot of people had lost so much money. I went to my bank at Wells Fargo on Tuesday XX/XX/2017 to file for a recall of my wire transfer and they should alert XXXX that XXXX are involved in wire fraud scheme as a note to my reason for my recall and i was giving a ref # XXXX and it will take 1-6 weeks to here from XXXX. I heard from Wells Fargo rep today XX/XX/2017 and said XXXX responded to my recall request saying they are waiting on XXXX to give them a YES before they can get the money out of their account. These people are fraud and they will never say YES. XXXX is dealing with a fraud company and are not acting appropriately to shut them down. My wife recently contacted XXXX acting like she was interested in a car and XXXX XXXX XXXX gave her the same XXXX account for her to wire transfer money for a car she shown interest on. XXXX are professional schemers and are really good in what they do. I really hope the bank can recover my money.
Consumer complaint received 2017-08-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: First Advantage LNS Inc. (VA)

I paid off my account in XXXX XXXX to National Credit Audit in XXXX of XXXX. I call to ask when my information would be updated. The person became rude and adjitated that I contacted them and told me because I did a settlement it takes a long time to update and is up to the credit agency 's to update my information. I have called and e-mailed for updates and no response. Account name under XXXX XXXX. My new name is XXXX XXXX.
Consumer complaint received 2017-08-06
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: First Federal Credit Control, Inc. (FL)

I have requested that this creditor provide the validation of the account they are attempting to collect on and they have not done so. I requested this to be done on XXXX/XXXX/2017 and I have not received any correspondence as of yet. It has been approximately 113 days. The collection amount is listed on my credit monitoring site for {$98.00} and I was never made aware of such debt in writing.
Consumer complaint received 2016-10-02
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Not a duplicate Update-You are in violation of the FCRA in not deleting the late payments on XXXX account # XXXX. I have included this time proof, a corrected copy of my credit report from ( XXXX ) showing these late payments have been removed from their records. It is 9 months over due on your records. Please remove the late payments if you are still showing them on my account.
Consumer complaint received 2017-08-05
Product: Money transfer, virtual currency, or money service — Money order
Issue: Lost or stolen money order — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

I purchased five money orders from XXXX in XXXX XXXX, 2017 totally {$2200.00}. They were made out to XXXX at XXXX. I put them in the apartment dropbox/night drop on XXXX XXXX, 2017 around XXXX. I am a XXXX XXXX and worked a three day trip. Upon returning on the XX/XX/XXXX I noticed I still owed the apartment. The complex claimed they never received them. I gave them copies of the money order stubs/receipts. After a couple of weeks they told of me I needed to contact XXXX and report them lost/stolen. I contacted XXXX and they said they had already been cashed on the XX/XX/XXXX. I was unable to file a lost/stolen report as they were already cashed. They said I could get a copy of the deposited money orders for {$24.00} each. I had five money orders and got all the copies. The copies DO NOT have any financial institutions information on them. I had to call XXXX back. They sent me Source of Receipt. XXXX XXXX says it is not their issue to get me the money back and ca n't help me. They told me the institution who cashed the fraudulent tampered money orders are responsible. Bank of America is listed as bank of first deposit. I called their Customer Service phone number who in turn sent me to another dept. who in turn said I had to go to a branch and fill out paperwork. I want to a branch and they said they can not help me. They said XXXX XXXX is responsible. The money orders were clearly altered and Bank of America allowed them to be cashed anyhow.
Consumer complaint received 2017-08-06
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: First Federal Credit Control, Inc. (FL)

I have requested that this creditor provide the validation of the account they are attempting to collect on and they have not done so. I requested this to be done on XXXX/XXXX/XXXX and I have not received any correspondence as of yet. It has been approximately 113 days. The collection amount is listed on my credit monitoring site for {$98.00} and I was never made aware of such debt in writing.
Consumer complaint received 2017-08-06
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Amsher Collection Services, Inc. (FL)

I have requested that this creditor provide the validation of the account they are attempting to collect on and they have not done so. I requested this to be done on XX/XX/2017 and I have not received any correspondence as of yet. It has been approximately 113 days. The collection amount is listed on my credit monitoring site for {$150.00} and I was never made aware of such debt in writing.
Consumer complaint received 2017-08-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: KEYCORP (WA)

XXXX XXXX, 2017 I wish to make a complaint for the customer service I received recently by the Assistant Vice President Licensed Branch Manager XXXX XXXX at the XXXX XXXX Branch. I 've had many issues with overdraft fees charged on my account by Key Bank errors in the past. On XXXX XXXX 2017, I was charged an overdraft fee for insufficient funds since I 've had many issues with Key Bank errors I asked for a refund as a courtesy. The customer service I had spoke to on the phone advised me to go into a Branch near me and speak to a personal banker at a Key Bank Branch near me and they 'd be able to help me. When I went into the XXXX XXXX Branch, I spoke to a bank teller who advised me to go into the Key Bank Branch where I had opened my account and they 'd be able to help me better there. I went into the Key Bank Branch located in XXXX XXXX and spoke to a bank teller who, told me I had to speak to a personal banker in regards to the refund because she was unable to authorize the refund since I had a substantial amount of courtesy refunds already. Which in fact was inaccurate as they had been Key Bank errors. On Tuesday XXXX XXXX, 2017, I went into Key Bank to speak to a personal banker in regards to overdraft fees I had in the month of XXXX. When I spoke to the Assistant Vice President Licensed Branch Manager XXXX XXXX, I tried explaining what had happened with my prior overdraft fees and asked if I could have a courtesy refund on some of the overdraft fees since there had been issues with the prior fees. As I explained what the problem was she rudely interrupted me without letting me explain thoroughly and kept shouting at me " was it a bank error? '' As I had explained, this time it was not a bank error but since I had to deal with many bank errors prior to this one I wanted to ask if I could have a refund as a courtesy. I am absolutely disgusted with the customer service I received by the Assistant Vice President Licensed Branch Manager XXXX XXXX, she was beyond ridiculous! I have never met such a rude person ever before and her behavior was completely out of line! I had to get up and walk out from there before I lost it. As we walked out of the bank she continued to be rude and unprofessional, laughing and smiling and shaking her head as we walked off.
Consumer complaint received 2017-08-04
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. (GA)

I called TransUnion to have inquiries removed off my credit report that i dont know anything about. Guy justgave me the running around here 's a list of inquiries1.XXXX XXXX 2. XXXX XXXX 3. XXXX XXXX  4. XXXX XXXX 5. XXXX 6. XXXX XXXX 7.XXXX XXXX
Consumer complaint received 2017-08-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (CA)

I review my credit and there is XXXX unauthorize inquiries on my credit reports with Experian, XXXX, XXXX.
Here is the list of Hard Inquiries 1.XXXX .dated XX/XX/XXXX. 2.XXXX XXXX.XX/XX/XXXX. 3.XXXX XX/XX/XXXX 4.XXXX XXXX. XX/XX/XXXX 5.XXXX XX/XX/XXXX 6.XXXX XX/XX/XXXX 7.XXXX XX/XX/XXXX 8.XXXX XXXX XX/XX/XXXX 9.XXXX XXXX .XX/XX/XXXX 10.XXXX XXXX XXXX  XX/XX/XXXX 11.XXXX XX/XX/XXXX
Consumer complaint received 2017-08-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (MA)

Chase bank bought my Mortgage and then admitted that they mistakenly coded my homeowner Insurance as paid, when it was not. They bought a forced lender policy for XXXX in XXXX of 2015 and one for XXXX less than a year later. Then, after admitting that the Bank was at fault for " human error '', they reimbursed me for XXXX and then after many weeks, another check for XXXX. As far as I can see, they still owe us XXXX but while all of this was being figured out, they took out a third forced lender policy that was in effect for a matter of days and charged us XXXX within the last couple of weeks. This is a violation of RESPA because my Mortgage is escrowed and they were responsible for paying my Insurance. It is my belief that they cancelled the policy on purpose so that they could replace is with an inferior policy that cost five times what my policy was. The only reason they responded at all is because I told them I knew they violated Federal Law. And no they are trying to keep the cookies when they got caught with their " hand '' in the jar. If I were to do this in the general course of things, I would, no doubt, be in jail. I am only asking for what they took from me right now, but I may seek representation, if necessary. Thank you, respectfully, XXXX
Consumer complaint received 2017-08-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Ditech Financial LLC (NV)

I filed a chapter XXXX bankruptcy that was discharged in XX/XX/XXXX against the property address of XXXX XXXX XXXX. XXXX XXXX  Nevada XXXX. That same property was foreclosed against me in XX/XX/XXXX. This company is claiming that a foreclosure is still pending against me and they 're reporting me as delinquent to the credit bureau. I 've been gone from said property since XX/XX/XXXX
Consumer complaint received 2017-02-19
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: IQOR US INC (OR)

I moved from XXXX in XXXX XXXX and paid all debts off including XXXX XXXX. I began receiving mail and calls from XXXX trying to get over {$400.00} from me claiming I told them to put my account on hold for 9 months. I sent mail and called XXXX to tell them they messed up and I never asked for a " hold '' on my account since I did n't even know where we 'd be living let alone what tv or phone services we 'd need. We used XXXX XXXX while we lived in XXXX from XXXX XXXX to XXXX XXXX and I have a letter proving this fact. I recently found out XXXX sent me to Allied Interstate Collections and it affected my credit score. I 've explained this again to XXXX and the collection office and I 'll be sending the documentation to Allied as well. I WILL NOT BE BULLIED into paying any money I do n't honestly owe. Both XXXX & Allied tried to scare me into paying and I was very clear that I ALWAYS pay what I owe and that I would not pay them a dime. They are thieves.
Consumer complaint received 2017-08-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (IL)

I only got this card because Costco switched from AmEx to their Citibank visa. I have 3 other Visa cards with zero issues. However, this particular card never sends me paper statements. I 've requested them on 4 separate occasions, each time after my card is declined. I call Citibank to see why my card does n't work and they tell me I have n't paid my bill. I say what bill? I 've never received one. They say you 've requested electronic billing, which is incorrect. They agree to correct the problem and I never receive a bill. When you pay electronically, they automatically send an e-bill. I 've asked repeatedly where it goes, is it emailed, sent to my third party app I used to pay? No, they say, I need to login to my account on their site, which I 've never done. How would I know when it 's due? They told me I 'm just supposed to check my account. I do n't use this card regularly. Tried to get gas and it was declined. Called them to find out I have late fees and charges for a {$43.00} ( approx ) bill and $ 100+ in late fees for a bill I never received, despite requesting it. I asked them to reverse the late fees and told them I 've repeatedly requested paper bills. They told me they would look into reversing the fees, I paid the balance of my charges only ( not fees ), and they would send me a paper bill. I never received it. Instead I get some XXXX letter saying I 've requested not to be contacted for debt collection. I do not think these practices are ethical, legal or fair. My 3 other Visa cards are paid on time every month. I never had a problem with the Costco AxEx card. This company is unethical and I want my late fees reversed. I 've asked now 4 times for a paper bill and made them aware I am not receiving any notification to pay my balance. They are clearly doing this on purpose as a means for me to incur more late fees and interest. I requested to cancel this card and am done with this particular card. It 's ruining my credit and I 'm not paying fees for their incompetence and unfair business practices. Look at your phone logs and see how many times I requested a paper statement and how many times I received one.
Consumer complaint received 2017-08-05
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. (LA)

I am filing this complaint due to Experian failing to remove a paid and closed account from my credit report. I paid an amount of XXXX to ( XXXX XXXX ) XXXX XXXX XXXX XXXX in XXXX of 2016 and was I was advised that the account would be removed from my credit report. I have disputed this info numerous amounts of time advising Experian to remove the account but they are refusing to remove the account. XXXX and XXXX removed the account immediately after it was paid, I am demanding that Experian do the same and remove this account from my credit report.
Consumer complaint received 2017-08-05
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: EQUIFAX, INC. (LA)

I am filing a complaint due to Equifax reporting unauthorized credit inquiries on my report. I have uploaded supporting documents stating that I did in fact have a fraud alert on my my acct starting XX/XX/XXXX which would last 90 days and after the 90 days I have always added the fraud alert back onto my account my latest fraud alert ended XX/XX/XXXX and once a fraud alert is placed on my acct the  CRAs that added the fraud alert are to notify the other CRAs to apply a fraud alert as well and they are to notify me anytime my credit is being run. I have disputed these inquiries by phone, online and by mail and you all have constantly denied to. I am suppose to be contacted every time someone runs my credit but I wasn't. I didn't authorize these inquiries, therefore my consumer rights were violated. Pursuant to  1681c-1, before establishing an account in the name of a consumer with an fraud alert on file, a creditor must contact the individual to confirm that the application for credit is not the result of identity theft. If the fraud alert contains a contact number, the creditor must either contact the consumer directly or take reasonable steps to verify the consumers identity before opening a credit account in the consumers name. I was never notified. I am demanding that the following unauthorized credit inquiries are removed from my credit report you all did in fact violate my consumer rights. Remove the following accounts and I would like a updated credit report within 30 days of these changes that will be made.   >>XXXX XXXX  Inquiry from XX/XX/XXXX, XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX, XXXX Inquiry from XX/XX/XXXX, XXXX XXXX XXXX Inquiry from XX/XX/XXXX, XXXX Inquiry from XX/XX/XXXX , XXXX Inquiry from XX/XX/XXXX, XXXX Inquiry from XX/XX/XXXX, XXXX XXXX Inquiry from XX/XX/XXXX, XXXX XXXX XXXX Inquiry from XX/XX/XXXX, XXXX XXXX Inquiry from XX/XX/XXXX, XXXX XXXX Inquiry from XX/XX/XXXX, XXXX XXXX XXXX Inquiry from XX/XX/XXXX, XXXX  Inquiry from XX/XX/XXXX, XXXX XXXX Inquiry from XX/XX/XXXX, XXXX Inquiry from XX/XX/XXXX ,XXXX XXXX Inquiry from XX/XX/XXXX<<
Consumer complaint received 2017-04-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: AMERICAN EXPRESS COMPANY (CA)

TO Make the Story short I was Scammed by   XXXX   XXXX   XXXX   previously called   XXXX   XXXX   XXXX   located in NEW YORK who 's charged my upfront fees to Settle my credit card debit and kept my credit card in their possessions and charged my cards fraudulently and never paid my debit pls see Email attached As a result  American express credit cards  was charged off under my name and my SSN I kindly SETTLED those ACCOUNT to move forward in life and be happy and when i tried to apply f or american express card s i was disqualified and denied credit for CHARGE AND CREDIT TYPE of cards MY WIFE   XXXX   XXXX   XXXX   Add me as an Authorized user on her   XXXX   XXXX   XXXX   credit card for   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX  CREDIT CARD FOR   XXXX   XXXX   XXXX   XXXX       Since she add me in  XXXX  and AMEX has BEEN ALWAYS DENYING CHARGES when i called in to discuss with them last  XXXX   XXXX  about some charges as an authorized USER and i told them she is my WIFE they did the following AFTER they IDENTIFIED ME ( SPOKED WITH  XXXX   )  from  Credit DEPARMTNET Transfe red her account to the Financial REVIEW TEAM within their CREDIT department Who Conducted a very RUDE Financial REVIEW / INVESTIGTION as we call it by  XXXX   XXXX  she asked about the growth income from our TAX RETURN but she DID NOT consider our TAX RETURN DOCUMENT because it SHOWS A HIGH GROWTH INCOME, and she chosen to call my BANK TO VERFY the Balance at that time on  tw  o accounts we use to PAY AMEX, th en she used the BEGINNING BALANCE of  XXXX  to put a limit on the account because they have a problem with me previously as  XXXX  EVEN THOUGH i SETTLED and cleared the issues A devastating Financial REVIEW was conducted asking personal QUESTION of Who 's own the COMPANY and the NATURE of Business and WHAT IS THE RELATIONSHIP TO   XXXX   XXXX   XXXX   With me   XXXX   XXXX   XXXX   Discrimination TOOK PLACE TOOK PLACE and unfair Decisions causing us inconvenience and   XXXX   XXXX    Supervisors Could not help except by saying your bank account have couple  XXXX  and not a  XXXX  the is why we limit you account you are no longer enjoying NO PRE SET LIMIT ANY MORE we STILL CHARGE YOU ANNUAL FEES {$170.00} WE CAN CANCEL YOU ANY TIME you CAN CANCEL AND WE GIVE YOU REFUND FOR ANNUAL FEES BUT JUST CANCEL   XXXX   XXXX
Consumer complaint received 2017-08-06
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: SUNTRUST BANKS, INC. (MI)

Someone tried to open new credit cards and lines of credit in my name and were denied. This caused inquiries to be added to my credit report causing my credit score to go down. XXXX XXXX- Hard Inquiry XXXX XXXXl- Hard Inquiry Suntrust- Hard Inquiry Suntrust XXXX- Hard Inquiry