davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-12-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (UT)

Today XXXX/XXXX/XXXX I applied for a Personal Loan through XXXX XXXX XXXX XXXX. The request was for {$12000.00} to roll all existing debt into one monthly payment over a predetermined term. When applying the Loan Officer stated that my Experian Credit Report showed a FICO of XXXX. I let her know, one XXXX XXXX that this was not the case. The FICO score I was pulling showed in the XXXX 's but that I would pull my Experian CB Report. I paid {$1.00} to have it pull on XXXX/XXXX/XXXX and my Experian CB Reporting showed a FICO of XXXX. This is a 40 pt  swing. I sent images on the pull I made to XXXXXXXXXXXX to substantiate my claim. ( Will attach email and screen shots of FICO from Experian and a copy of the {$1.00} paid on bank statement ) I was approved with a counter offer of {$4500.00} and an interest rate of 13.99 %. As I spoke with the Loan Officer XXXXXXXXXXXX I once again advised her that my CB reporting they pulled from Experian was in accurate and not up to date. Furthermore the reporting they were factoring as my " FICO, '' was in fact a pull that coincided with their own FICO reporting from XXXX that still showed on their Mobil App. ( I will include as an attachment ) The reality is when a company establishes credit worthiness with inaccurate data, this is an unfair and deceptive practice. Knowingly using inaccurate reporting to establish credit worthiness leads to high interest rates for the consumer and higher profits margins for the company. This is also unfair and deceptive practice. When I notified XXXX XXXX XXXX XXXX they did noting and basically said deal with it and passed blame into Experian. This is not an Experian problem. This is a XXXX XXXX XXXX XXXX problem. 

I believe there needs to be an audit completed into XXXX XXXX practices in pulling credit to establish credit worthiness. Additionally XXXX XXXX should be audited for the purpose of establishing how many other consumers have been impacted by inaccurate reporting which is an unfair and deceptive practice. I believe that XXXX XXXX is aware of this systemic abuse of inaccurate reporting being used and uses it to their advantage for profit. 

I felt like I was literally speaking to those that did n't care and had no answers.
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 information incorrect
Company: EQUIFAX, INC. (WA)

I have sent letter after letter proving that these accounts have been paid in full and to remove them all because theyve been consolidated to one and it looks horrible with all these different loans on my credit report. I have asked them to please remove them only to here nothing back.
Consumer complaint received 2017-12-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collections Acquisition Company, Inc. (TX)

I recently discovered that XXXX XXXXPayliance is  reporting a debt of {$200.00} on my credit reports after applying for a mortgage and was denied. I have never done business with this merchant and do not owe the amount they are claiming I owe. Upon contacting XXXX XXXX the advised me that it was a result of a returned check. When they verified the bank it was check written on an old account I had closed due to misplaced checkbooks. I have tried multiple times via credit bureau disputes and through assistance of credit repair company but XXXX XXXX keeps stating that they have verified this debt belongs to me without providing any identifying information such as my social security number, DOB, or  legal binding contract. I even offered to pay the balance if the agree to delete the negative in accurate reporting and the refused ( even though the debt does not belong to me )
Consumer complaint received 2017-12-12
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: U.S. BANCORP (CA)

I was contacted on my cell phone on XX/XX/XXXX and a message was left by someone identifying themselves as " XXXX calling from US Bank on behalf of XXXX XXXX '' and asked me to contact her at XXXX and provide reference number " XXXX '' I did NOT return this call. 
I then received a letter in the US Mail on XX/XX/XXXX that was dated XX/XX/XXXX with the only letter head identifying : " XXXX XXXX '' at XXXX. XXXX XXXX XXXX, ND XXXX. 
The letter informed me that they had received an application for an account with my name and personal information on XX/XX/XXXX via the internet. 

They then identified themselves as : XXXX W Fraud/Risk Analyst Toll Free XXXX ext XXXX Fax XXXX I did NOT call them but did call the Fraud reporting line at US Bank Credit Cards and they verified that none of the numbers in the above letter are in their data base and they believe it is likely fraudulent. 

On the internet search I made it appears that MANY people have received phone calls from the XXXX number listed above. 

Thank you!
Consumer complaint received 2017-12-12
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc. ()

Hi, Second complaint the same day against the same company : Coinbase Inc. 

Coinbase just closed the currency trade for Ethereum and Litecoin. It is UNACCEPTABLE asthe market is NOT closed and crypto-currencies have very large and fast variations. The buys and sells of those two crypto-currencies are now XXXX for an unknown reason, my money is LOCKED and ca n't be sold when i decide it that can result easily to a LOSS OF MONEY. To disable functions can be understood, but to disable to possibility to SELL is a major fault that can result to very bad consequences of money loss. 

Coinbase Inc seems to be managed by kids or irresponsible persons those days, jeopardizing the funds of its customers. This is unacceptable for an authorized crypto-currency company in the US. 

I hope and trust the CFPB will know how to resolve this. This is an unacceptable manipulation of the market. Tiding money is a fraud. 

Thank you.
Consumer complaint received 2017-12-12
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ONLINE Information Services, Inc. (NC)

Date opened XXXX XXXXAmount XXXXRE: Social Security Number: XXXXTo Whom It May Concern:I have recently been informed that there is negative information reported by Online Information Services in the file you maintain under my Social Security number. Upon ordering a copy of my credit report, I see an entry from this company listing XXXX.I am unaware of XXXX with this company.Please validate this information with XXXX and provide me with copies of any documentation associated with this account, bearing my signature.In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number: XXXX.Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 623(a)(3), and I am keeping careful record of your actions.Failure to respond satisfactorily within 30 days of receipt of this certified letter will result in a small claims action against your company. I will be seeking XXXX in damages for:1. Defamation 2. Negligent Enablement of Identity Fraud 3. Violation of the Fair Credit Reporting Act and Fair Debt Collection Practices ActYou will be required to appear in a court venue local to me, in order to formally defend yourselfMy contact information is as follows:XXXX XXXXSSN: XXXXP.S. I have also reported this company to the XXXX and I have not received any correspondence to this allege debt from this company.  Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.
Consumer complaint received 2024-10-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (TX)

On XX/XX/year> I informed Wells Fargo that someone had hacked my account and paid unknown person credit card account Bill. on XX/XX/XXXX, that transaction was still pending. I instructed the bank that I did not authorize that transaction and ask them to stop payment. On XX/XX/year> the bank made payment anyway. I last spoke with someone from the bank on XX/XX/XXXX, I was told that someone would contact me within 48 hours. That did not happen..
Consumer complaint received 2017-12-06
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: Experian Information Solutions Inc. (LA)

I pulled a copy of my updated credit report and noticed that there are 3 hard inquiries that I never authorized or have no knowledge of. I DEMAND that Experian properly verify these unknown inquiries and provide proof of how these inquiries were verified. If Experian ca n't provide the proper documentation then these inquiries must be REMOVED from my credit report. The inquiries are : XXXX XXXXXXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX  XXXX/XXXX/XXXX
Consumer complaint received 2017-12-12
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (OH)

I am a normal individual. Not wealthy, not poor. Simply normal. I saved up a large sum of money XXXX {$400.00} ) to invest in cryptocurrencies. Of course, I chose the most trustworthy service : Coinbase ... Or so it seemed. 
At first, my experience was a dream come true. I invested in bitcoin at {$10000.00} before a meteoric rise, bought a full Litecoin, and purchased about {$60.00} in Ethereum. However, troubles came when I tried to sell my coins as promised by the company. I filled out the ID verification as requested an submitted it. Somehow, though, my account was found to be " restricted '' within an hour. This means that I can not buy, sell, or trade with the account. I ca n't even withdraw the money I invested. 
I put my trust in this company and all they 've done is spite me. My assets are now worth {$600.00}, nearing {$650.00} by the hour. I 've opened tickets, sent messages on their XXXX, and DM'ed on XXXX, but they refuse to actually answer. I pray that you 'll answer my cries for help and resolve this issue. 

For those who are not accustomed to the malpractice associated with this " business : '' DO NOT INVEST HERE. THEY DO N'T CARE FOR THOSE WHO FUND THEM AND CERTAINLY ARE APATHETIC TO OUR PROBLEMS.
Consumer complaint received 2024-10-01
Product: Credit card — General-purpose credit card or charge 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: DISCOVER BANK (FL)

XXXX XX/XX/2024 : I discovered multiple transactions posted on my bill that I did not purchase or authorize. There were 5 transactions posted for the following amounts ; {$1700.00}, {$10.00}, {$6.00}, {$2000.00} and $ XXXX.totaling {$3800.00}. According to the Discover statement the vendor is located in XXXXI filled a dispute with Discover card ( Fraud Case # XXXX ) I requested several times any shipping or item identification documents, but Discover has refused to provide them. I did not authorize these transactions nor authorize anyone else to initiate these transactions. I did not receive any items from these transactions. I filed a dispute with Discover, initially they reversed the charges. After they investigated my complaint the charges were reinstated stating I was responsible for the full amount. I don't understand how I can be held responsible for these charges from the merchant in XXXX. In addition Discovers own website states " Discover offers cardmembers a {$0.00} fraud liability guarantee, which means you're never held responsible for unauthorized purchases on your Discover card ''. Repeated calls with Discover have resulted no change in their position, which appears to be in direct conflict to their stated position on their website. I was told by Discover that although I was scammed, scams are not fraud and I was liable for the entire bill.
Consumer complaint received 2017-12-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MO)

I received financing from XXXX XXXX to purchase a mattress in XXXX XXXX. Unfortunately, I had to file for bankruptcy in XXXX XXXX. XXXX XXXX violated the stay when their Regional Manager, XXXX, wanted payment on the account in XXXX XXXX and then belittled me for not being able to pay " such a small amount. '' I also filed a dispute regarding the account being listed with a balance and the account was updated to accurately reflect that it had been included in the bankruptcy. The bankruptcy was discharged on XXXX XXXX. I have scheduled 3 attempts with XXXX XXXX for them to pick up the mattress. The first time was XXXX XXXX after the branch manager XXXX, called my work wanting payment for the discharged debt and I declined. He then called me again later that evening wanting payment for the discharged debts and when I continued to decline, we agreed to have the items picked up after 4 on  XXXX XXXX. No one came. XXXX XXXX, XXXX from XXXX XXXX called stating that the person who was to have picked up the items on the XXXX had XXXX XXXX XXXX and was unable to do so and we set up another time, XXXX XXXX after XXXX. Again, no one showed. XXXX XXXX they called my bankruptcy attorney making false claims that I was attempting to hide the property and that they had never set up any previous dates with me to obtain the recliner and mattress. I explained to my attorney these calls between XXXX XXXX and myself were recorded, therefor, I had proof these days and times were previously arranged with them and who then told them they had one last attempt  to pick up the items and that was set up to be XXXX XXXX at XXXX. XXXX XXXX XXXX arrived on time on the XXXX and got the recliner that was purchased on another account included in the bankruptcy, but when I informed them they also needed to get the mattress stated that XXXX XXXX had not advised them to get it and they would not be taking it. They had me sign that they had picked up the recliner and I made a copy for myself which clearly stated 1 # to be picked up and returned to XXXX XXXX and listed the recliner and it 's serial number. Today, not only did XXXX XXXX call to harass me again over an item I have made 3 attempts for them to pick up, but they also placed the account back on my credit report showing a balance, that it 's past due, which it was n't when the bankruptcy was filed and that it is open. This violates Federal Bankruptcy Laws.
Consumer complaint received 2017-12-12
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TN)

I went to Bank of America on Tuesday, XXXX XXXX, XXXX, to make a cash deposit into a business account. I went to the teller window and gave her my deposit slip and cash and told her that I would like to make a deposit. She unwrapped the money that I had given her and proceeded to separate the bills. She said that she need to put the {$20.00} bills in the bill counter because there were too many. So the teller took my cash and went to another teller window to put it in the machine. Then she came back and told me that my cash was short {$100.00}. I told her that I was pretty sure that my count was correct and she said that she would run it through the machine again. She came back and said that it was still short. So she counted the money before me. Then I counted the money. I asked her if she dropped or lost some of the money while transferring it to the other window. She said that she had not and asked if I wanted to take the money back or change the deposit slip. I told her that I would change the deposit slip and place my initials by the correction and she deposited the cash. So I went back to trace my steps to see If I lost the money somewhere. I had not. So I called the bank and asked to speak to a mananger. The manager said that she would balance her drawer and let me know. The manager called me back and said that the drawer had balanced and she hope i wouldnt take things any further. I told her that i was pretty sure that my count was correct but ok. A few days later I called the manager back to let her know that things were not settling with me and that I would like to open an investigation. She stated that she would have to get her marketing manager involved and that she would call me back. Its has been 3 business days and I have not received any calls.
Consumer complaint received 2024-10-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY (AZ)

Wells Fargo bank put a hold on my account without notice. I transferred all of our funds for purchasing a house to my checking account without knowing that there is a hold on my account. Now, I'm under contract for a house without knowing when I can withdraw my funds for escrow or close my account. This situation is very very stressful for me right now and I can not do anything at the moment, even getting a cashier 's check or using XXXX. I only have 11 days to closing date of our house and Wells Fargo does not provide a clear instruction or timeline on what to do.
Consumer complaint received 2017-12-06
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ditech Financial LLC (NJ)

was laid off back in early 2016 I contact my mortgage lender Ditech LLC to talk to them about my current situation. I work in the XXXX as a XXXX and was on a temporary furlow. I read in Ditech 's paperwork that they work with clients in situations where they need temporary assistance. When I contacted them I was told there were no such options for me. I was put in contact with at least 14 different representatives to no avail. All I wanted to do was rectify the situation and get back on track. They pushed me further behind in payments because they kept switching me to different departments/people. I think this is a tactic to put you into foreclosure. I hired a lawyer to help me with the situation and I was then given a loan modification. I did not sign the paperwork because of the terms and when I tried contacting the person on the paperwork they never called me back - at least 12 messages. I did not want to sign something that was given to me that in the letter is clearly stated if any questions before signing contact so and so. 

After paying for help they continually pushed me further behind asking for proof that I was back to work I showed 12 months of paystubs and they came back with a determination that the hardship was not satisfied. The hardship was absolutely temporary and resolved. I just want to pay my mortgage we are a family of XXXX and I work in a XXXX XXXX in NJ. Upstanding citizen and I find it very unfair that Ditech states unfactual documents about my situation!! 

Please any help is needed to resolve this matter. 

XXXX XXXX
Consumer complaint received 2024-10-02
Product: Credit card — General-purpose credit card or charge 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: JPMORGAN CHASE & CO. (MD)

I was charged {$340.00} by XXXX XXXX XXXX XXXX XXXX XXXX when I only approved a charge of {$99.00}. I was also charged a {$20.00} fee that I did not agree to. I was not present when the company came to my condo and cleaned my ducts. My mother in law, who is not from this country, was given a bill for {$99.00} plus {$20.00} plus {$340.00} and signed it. The {$340.00} was to clean my condensor on the roof of the condo building, but that service was not authorized by me -- the card holder -- and was not needed BECAUSE THE CONDENSOR WAS BRAND NEW!!! We had just had it and a new HVAC system installed about a week prior. There was absolutely no need for this service. No cleaning was performed and I was charged {$340.00} for a service that was not provided. I asked Chase to take this charge off my bill but was denied.
Consumer complaint received 2024-10-03
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (TX)

I zelled from my bank Wells Fargo to the recipients name XXXX XXXX to XXXX XXXX the amount {$940.00} on XXXX to buy a product from them and got scam by them, they dont send the product to me and dont give my money back, I tried to report as fraud thru my bank but I got denied, I have proof and all their information thru messages from XXXX that they ignored me and wan na scam me for money, I just want my money back please help
Consumer complaint received 2024-10-02
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX WF XXXX Checking Act # Wells Fargo charged me three {$35.00} overdraft fees on XXXX XXXX, 2024. I deposited {$300.00} XXXX XXXX, 2024. Wells Fargo said it hadn't processed my deposit yet. I want Wells Fargo to remove all three {$35.00} fees. They said they would only remove two {$35.00} fees. I said they need to remove all three. I told them I was a good customer and that I was a senior citizen. I have had problems with them before with the same complaint. I do not like the fact that they did not acknowledge that I was a senior citizen and that I was a good customer.
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Fidelity National Information Services, Inc. (FNIS) (SC)

I attempted to open an account with XXXX and I was denied. When I inquired about why I was denied I was not given a reason, even after repeated inquiries. ChexSystems never informed me that they were going to report this information to any consumer reporting agency, and the information they reported was/is not completely accurate per the FCRA. I am a mother who needs bank accounts to receive funds to take care of my family. This denial hinders me from caring for my family. Failure to remove this information will result in me seeking appropriate legal remedy.
Consumer complaint received 2024-09-30
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: JPMORGAN CHASE & CO. (MA)

On XX/XX/year> I received notification from my creditors credit monitoring service that there were hard inquires on my credit report that I did not initiate. 

XXXX XXXX XXXX XXXX XXXXXXXX