davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-12-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (TX)

I WAS DENIED CREDIT BY XXXX XXXX XXXX A FEW WEEKS AGO. I WAS SENT A LETTER INSTRUCTING ME TO SPEAK WITH EQUIFAX, SO I CALLED EQUIFAX AND REQUESTED THAT AN OLD FRAUD ALERT, WHICH I WAS TOLD WAS INACTIVE BE REMOVED. AFTER THAT WAS DONE, I APPLIED FOR CREDIT WITH XXXX AGAIN, AND THEY AGAIN DENIED ME SAYING I NEEDED TO ADD A PHONE NUMBER TO MY CONSUMER STATEMENT PORTION. AFTER CALLING EQUIFAX AGAIN, THEY REMOVED A FRAUD INDICATOR ALERT, AT MY REQUEST, AND THEN SAID THE PHONE NUMBER WOULD BE ADDED IN THE NEXT 30 DAYS. THEN, OUT OF THE BLUE, XX/XX/2018, I RECEIVED A LETTER FROM XXXX SAYING THAT " AT YOUR REQUEST, WE HAVE ADDED AN EXTENDED ALERT TO YOUR XXXX CREDIT REPORT. I DID NOT REQUEST THIS, NOR DID I EVER SPEAK TO ANYONE AT XXXX. I ONLY CALLED EQUIFAX, AND I REQUESTED THE FRAUD ALERT BE REMOVED, NOT EXTENDED. I AM NOW UNABLE TO REACH ANYONE AT XXXX, AND I AM UNABLE TO APPLY FOR CREDIT UNTIL THIS IS STRAIGHTENED OUT. I NEED A NEW CREDIT LINE TO PAY FOR MEDICAL EXPENSES THAT CAN NOT WAIT, AND I AM VERY UPSET AND WANT THIS RESOLVED IMMEDIATELY, OR I WILL HAVE TO CONTACT AN ATTORNEY. PLEASE HELP!
Consumer complaint received 2023-03-09
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (CA)

My name is XXXX XXXX, I have many unauthorized transactions in my Wells Fargo account with the following merchants, XXXX XXXX, XXXX, XXXX, and XXXX. I contacted the support team, came to know these all are ACH transactions that are unauthorized. I filed a claim on the XXXX of XX/XX/2023 with Claim No XXXX, and within 4 days, when I call them to know the status, they mentioned this claim was denied, and Wells Fargo said to contact the individual merchants by myself. 

Clearly, this claim was not investigated properly by Wells Fargo Team. I can clearly see other names on a few of the transactions. I requested them to contact me directly through the phone, by the investigation officer/ Banker who did this investigation, but no use. I requested them 4 times, but every time they are saying, XXXX ( Investigation Officer ) tried to reach me but I'm unavailable, the fact is I never received any phone call from Well Fargo. At least they have to leave a voicemail if they contacted me, I have no missed calls, or voice mail left. My phone is working fine and I can receive all other Phone calls, except the Wells Fargo Investigator phone call. 

I requested more information, about the transactions How these transactions are done, or any information that will help me to talk with the merchants, but Wells Fargo didn't provide any information. Every time they are just saying, we dont have any more information regarding the transactions. Wells Fargo is not helping me in this issue. 

I Never had any accounts with these merchants, It really hard to contact them without a registered email or phone number in their respective platforms, my phone number, Email are not registered in their accounts. I tried to reach XXXX XXXX, XXXX, and XXXX. XXXX Responded and asked for information like my ID/Passport to proceed with their investigation. Other merchants are not even responding properly. 

I lost my money from my Wells Fargo checking account, The Bank is saying they cant help with this and asking me to contact the merchants. It is not the proper solution any customer expects, at least I have the right to know what happened and information regarding these transactions. Why are there other people 's names showing up on my bank statement? What investigation did Wells Fargo do in these 2 business days? 

During the transactions, I havent received any notification, email or phone call, or any information regarding these transactions. Now Wells Fargo is not helping me, I want my money back.
Consumer complaint received 2020-08-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (TX)

I have a XXXX ( XXXX ) AT & T Universal Card Mastercard that closes each month on the XXXX. Minimum payment is due by the XXXX of the month. I have an auto-payment agreement for them to take funds from my checking account for the minimum balance if it is still due by the end of the month. 

On my statement closing XXXX, there was a minimum payment due of {$130.00} by XX/XX/XXXX. 

On XX/XX/XXXX, I logged into my account and successfully made the minimum payment of {$130.00}. 

And on XX/XX/XXXX, I logged into my account and successfully made an additional payment of {$160.00} to bring down my balance further. 

However, on XX/XX/XXXX, Citi drew the {$130.00} minimum balance from my checking account although I had more than paid what was due for the month. 

I was able to call them today XXXX and speak with employee XXXX, who politely looked into the matter and let me know I would be refunded the XX/XX/XXXX payment they took from my checking account. 

( I have had this happen once before with another card, XXXX VISA, about a year ago. For XXXX, this seemed to be a timing issue, but it should be completely avoidable with proper policy and systems changes. ) Most importantly, when I pay the minimum payment TWO WEEKS before it is due, I should not have the card company pulling funds from checking account. 

Needless to say, it makes it hard to plan for paying things like rent and utilities when a creditor violates an agreement and takes more money than is required. 

While I will get my refund, I do not want this to happen again EVER to me or any other card holder for any company. When minimum payment is made OR any payment is made that exceeds the minimum payment, then the creditor has NO RIGHT to take another payment. 

I would appreciate your looking into the matter. This is an especially difficult time for people who can't make two minimum payments for the same card for the same month if they have another card or other responsibilities due that month, too. 

Thank you for your assistance. 

Kind regards, XXXX
Consumer complaint received 2024-02-07
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (FL)

My problem is with Macys credit card. 

. On XX/XX/XXXX I discovered fraudulent charges on my Macys Credit Card.

. I called and reported to Macys and identified 13 fraudulent charges which they said they would remove from my card. 

In XXXX I started getting calls from Macys Credit dept so I checked and Macys had remove 12 charges but overlooked one charge. This charge was almost identical to another charge at the same store on a different date that had been removed. 

. After many many calls to Macys they agreed 7 different times to handle the item, but the calls Macys continued. They said the case was under investigation. 

. On XXXX XXXX, XXXX my bank informed me that my credit score had dropped XXXX points upon checking Macys had reported me delinquent on my account. On XX/XX/XXXX XXXX called me and said they resolved the charges and I now have a {$23.00} credit balance. But they could do nothing about my damaged credit score as the case was still under investigation. 

. On XX/XX/XXXX my bank informed me that my XXXX XXXX had dropped another XXXX points. Investigating I found on XX/XX/XXXX XXXX had made a request for a hard credit report resulting in the 9 points reduction.

I did not know or approve this request I was not requesting credit or a loan.

I had a credit amount on my Macys card They owed me money What was their reason for requesting a hard credit report other than harassing me. 

I have a big financial deal working and my finances are very reluctant to continue with a total credit report drop of XXXX points. This is going to result in significant reprucessions to me and my business opportunities. 

In early XXXX I informed Macys that I believed they inadvertently missed one charge.

In many many calls to Macys over the past XXXX  weeks I have only spoken to one person out of about 40 whose native language is XXXX. It is difficult to understand many and I had the feeling many did not understand me. 

. I have had a hard wired telephone in my house and home since I was XXXX XXXX XXXX. Due to the harassing XXXX 's calls to collect a debt I am canceling my phone to avoid the harassment.

I consider myself a hard working professional person with an extremely good credit rating. Now this is all ruined by Macys and their broken systems, flawed procedures and improperly trained personnel. They do not care a bit about the little people in the world. They can not correct their problems or restore my lost credit worthiness that the destroy for no good acceptable reason.
Consumer complaint received 2023-07-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NEW YORK COMMUNITY BANCORP INC (PA)

I received a letter from Flagstar Bank in May informing me that I was being removed from Auto Debit due to three instances of non-sufficient funds ( NSF ). To my surprise, I discovered that Flagstar only makes one attempt to withdraw funds, unlike most other financial institutions that make three attempts. Consequently, I was puzzled about how to comply with Flagstar 's unusual demand that I pay only via certified check. 

When I contacted Flagstar to discuss the matter, I was informed that I couldn't make payments through Auto Debit, XXXX, ACH, standard check, or wire transfer. They would only accept certified checks. This has caused significant inconvenience and hardship for me and my family. Adding to the frustration, Flagstar 's XXXX and XXXX statements indicated that I would be auto debited, contradicting their earlier letter stating that only certified checks were acceptable. 

In XXXX, I reached out to Flagstar to address this discrepancy and clarify the payment method. The collections department assured me that they would remove the restrictions, allowing me to pay in the usual manner. However, when I called Flagstar today to inform them that no auto debit had occurred and that I couldn't pay online, the collector informed me that a decision was made on XX/XX/2023, not to reinstate my account for ACH eligibility. Flagstar never communicated this decision to me. 

As a result of Flagstar 's poor communication, I have incurred hundreds of dollars in late fees. Additionally, I now face the challenge of finding a certified check dealer within the limited time I have. This entire situation could have been avoided if Flagstar had followed the common industry practice of making three attempts before considering a transaction as NSF. There is no specific governing body that has mandated a universal standard for the number of attempts in auto debit transactions. However, the practice of making three attempts before deeming a transaction unsuccessful is a common industry practice followed by many financial institutions. It provides a reasonable opportunity for customers to have sufficient funds in their accounts and minimizes the chances of accidental NSF situations.
Consumer complaint received 2019-08-18
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: MoneyLion Inc. (CA)

Company is reporting that loan was in a 90 day late 0eriod. Loan is now paid in full and was paid off several months early by making larger than required payments. Last payment originally set up through a debit card online but company processed the payment through an account they had originally set up for the bi-weekly payments that was no longer funded. I was unaware of this for a few weeks and received no notification of the returned payoff payment. There is no one to speak to at the company, customer service is all on-line/email and slow in response and every attempt in trying to resolve the issue was met with another person who didn't understand the issue and offered no resolution or incorrect information. Extremely frustrating. Ended up submitting the payment again and it was processed from the correct account but noticed later account was showing past due. This account was paid off several months early and larger than required payments were made so no payment should have been considered late, especially with the error by MoneyLion in incorrectly processing the final payment and offering no assistance in resolving their error or refunding my bank NSF fees. Every request for reimbursement was ignored.
Consumer complaint received 2024-02-08
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: Experian Information Solutions Inc. (MO)

Experian closed this complaint with the longest absolutely absurd explanation that has absolutely nothing to do with the problem, STALLING IS ALL THEY DO AS REQUESTED FORWARDED TO F.T.C AND D.O.J
Consumer complaint received 2023-03-08
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: HILLTOP HOLDINGS, INC (IL)

XXXX lists an account PRIME LENDING that is riddled with inaccuracies. My name is incorrect, the balance history is erroneous and XXXX late payments are wrong. I have submitted dispute letters to XXXX several times including correspondence with the creditor that states that I was not late as listed on the report. I would like all inaccurate information deleted.
Consumer complaint received 2023-07-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IA)

I paid the entire balance due of {$3000.00} on my credit card on XX/XX/XXXX. On XX/XX/2023, Bank of America took {$1800.00} directly out of my checking account to pay the balance that was listed on my most recent statement ( XX/XX/2023 ). My balance due was {$0.00}, and had been for nearly 2 weeks at the time BOA took my money. When I contacted them by phone, they said they could send me a check for the credit on my account and it would take up to 10 business days for me to receive it. I then contacted the office to close my account and was told it could take XXXX business days OR MORE to receive the refund of the money they stole from me on XX/XX/XXXX. 

The bank claimed that because I had " autopay '' turned on, that they were authorized to take the amount that was due on my most recent statement, EVEN THOUGH I HAD PAID THE BALANCE IN FULL 2 WEEKS PRIOR. Now, BOA can earn interest on MY money they took from me without my authorization - money that I did not owe them. If this is a loophole in their business practices, this needs to be closed. Thank you!
Consumer complaint received 2023-07-18
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. (NY)

there are plenty of inaccuracy on my credit report and i notice accounts that i am not aware of please delete it and for the open accounts or close accounts that has lates only on it please remove late payment remarks
Consumer complaint received 2020-09-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with cash advances
Company: SYNCHRONY FINANCIAL (WA)

Several years ago I took out a {$200.00} dollar cash advance loan from my JcPenny Credit Card. I called on XX/XX/2020 to make a full payment for the cash advance balance of {$180.00} and was told it was not possible for me to pay off this amount " the only option is to payoff the entire credit card balance. '' It has been several years since I took out the {$200.00} cash advanced loan and the balance drops down very insignificantly and continues to accrued interest at 27.99 %.
Consumer complaint received 2024-02-07
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: WELLS FARGO & COMPANY (NC)

Ive been watching this card very closely. I travel for a living and use for my hotels and food. What I noticed is pretty disturbing. When I use the card, my pending transaction will go against my account balance. Ive watched charges drop off of my account, but they are not coming off of my owed account balance. Pretty much double charging my account balance. Ive also noticed that when the pending transactions do post, they are being added to the account balance once again. I have called them and they cant seem to answer my questions. Like theyre just reading off of a script and have no clue how to answer these questions. Not sure what I can do about this. I will attach 2 photos. They are within a 24 hour period and the card hasnt been used.
Consumer complaint received 2021-08-12
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC (GA)

Our mortgage payments with Loan Depot have never been late nor missed. Until XXXX, our payments were made through an electronic debit from our banking institution. Payment for XXXX was posted and processed. Payment for XXXX was processed as a second payment for XXXX, which I was initially told my banking account was closed. I received and sent verification my account was active and never closed. Since the XXXX payment was posted as a second XXXX payment, it has been showing our mortgage is one month behind. I have ongoing emails, expressed mailing and faxed verification to rectify this problem. My bank account has been active since XXXX. Verifiable transmittal reports for XXXX and XXXX, and check tracer numbers for XXXX and XXXX have been submitted. Loan Depot continuously call and harass us even for the XXXX payment, which was paid via on line and show posted from checking account on XX/XX/XXXX. Again, I have sent the check tracer numbers and have continuously tried to show my account was never closed, nor were there funds reversed or my payment refunded back to my account. XXXX and XXXX mortgage payments have been made. XXXX payment was sent expressed mail and noted specifically for XXXX payment, yet Loan Depot processed it as XXXX 's payments and now our account reflect our XXXX payment is due when it should not be. All payments have been processed, we never missed a payment, my account has never been closed. I have continuously been receiving collection calls after requesting to speak with supervisor with Loan Depot. Verifiable payments, banking transactions and statements shows active account with confirmation of faxes with documents from my banking institution have all gone unresolved. My mortgage is not late, never have been. The error is : The mortgage company processing department applied the XXXX payment to XXXX 's payment which had already been received and processed.
Consumer complaint received 2020-02-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

FTC VIOLATIONS he Fair Debt Collection Practices Act, Pub. L. 95-109 ; 91 Stat. 874, codified as 15 U.S.C. 1692 1692p, approved on September 20, 1977 is a consumer protection amendment, establishing legal protection from abusive debt collection practices, to the Consumer Credit Protection Act, as Title VIII of that Act. 

XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-07
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The Law Offices of Mitchell D. Bluhm & Associates (NE)

I received a letter from The Law Offices of Mitchell D. Bluhm & Associates , LLC Attorneys at Law, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, TX XXXX. The letter stated that '' Your XXXX XXXXXXXX XXXX accounts were acquired by XXXX XXXX XXXX and placed with this law firm for collection. At this time, no attorney with this law firm has personally reviewed the particular circumstances of your account. " So I made a phone call to the the said company on XX/XX/XXXX and able to talk to XXXX and she was the one who told me that it was about an XXXX XXXXl. Right there I told her that I was never in the XXXX XXXX XXXX XXXX XXXX so I requested a copy of the bill. I received a letter on XX/XX/XXXX with a bill and an accompanying letter stating that they received my dispute regarding the validity of the above account. Enclosed is the verification from the current creditor, XXXX XXXX XXXX. So I made a call back to the company on XX/XX/XXXX and talk to XXXX, he is in TX, and the time is about the XXXXXXXX XXXX, I asked him if he has number For XXXX XXXX XXXX, his response was he doesn't have. I told him how could this be that you got my account from XXXX XXXX then you don't have a number. So, I XXXX XXXX XXXXXXXX and was able to get in touch with XXXX, this was done on the same date about XXXX : XXXX. XXXX stated that we are not the one, a lot of people had been calling us, we sell XXXX So I called XXXX XXXXXXXX XXXX and was able to talk to XXXX abouXXXX XXXX XXXX and asked her if they have sold my account to XXXX XXXX XXXX, she told me that they forward billing to XXXX in XX/XX/XXXX and did not sell my account to XXXX XXXX XXXX. 
Regarding XXXX I have payment arrangement with them for $ XXXX until my medical bill is paid and be taken Automatically from my bank account. 
So, I called the Bluhm law firm and told them about what I found out. talked to XXXX then I was forwarded to XXXX then transferred to XXXX XXXX where I told her about what I researched and then I asked her a phone number for XXXX XXXX XXXX which she gave me a number of XXXX XXXX XXXX which she said that is their client, when I XXXX  it, it wasn't even XXXX XXXX, it was a company called XXXX XXXX, XXXX. This is the reason I am filing a complaint because they have used company that sells XXXX and not medical accounts.
Consumer complaint received 2023-07-18
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Source Receivables Management LLC (FL)

I sent a cease and desist letter request to SOURCE RECEIVABLES MNGMN to stop calling me and they are still calling me aggressive and threatening me attempting to collect on debts that i never owed after XXXX and damaging my excellent credit report. I am writing a complaint to remove this company who trying to collect a debt that is not mines nor did i give anyone permission or my signature to put this on my credit report or open any account without my knowledge i want to dispute the collections on my credit report I am entitled to a fair and accurate credit report, Under consumer law, [ 15 U.S.C. 1681 ] and i am requesting this collection agency provide me with verification of the collections that are currently listed on my credit report. This includes all documentation related to these items, such as payment records and dates, signed contracts or agreements, and any other evidence that supports their validity. Whether or not they are licensed to collect debt in my state if they can not provide me with the requested documentation within 30 days. 

COLLECTIONS NAME : SOURCE RECEIVABLES MNGMN DATE : XX/XX/2023 AMOUNT {$410.00} past due