davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-03
Product: Credit card or prepaid 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: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

XXXX XXXX, Dispute charge for XXXX  to my XXXX Credit card ending in XXXX. Claim number XXXX Bank of America. 
I purchased a reservation for XXXX XXXX XXXX hotel through XXXX XXXX XXXX by phone ( Same owners ) of XXXX Go XXXX XXXX You will see in the document attached how they both charged me in different credit cards. 
On the XXXX of XXXX, I arrived in the XXXX with my family. To my surprise, the Hotel was supposedly reserved by XXXX XXXX and XXXX XXXX XXXX. Had not been paid but only reserved for a day and not a week as offered. So in order to stay I had to pay again or I would not have been able to stay. If you notice the attachment. I had already been charged on XX/XX/XXXX, {$XXXX} by XXXX XXXX and {$XXXX} by XXXX XXXX XXXX XXXX on my personal credit card ending in XXXX. I had no understanding of what had happened as the enterprises that sold me the package had already charged me. 
The hotel XXXX then made me aware that neither XXXX XXXX XXXX nor XXXX XXXX XXXX booked a reservation through them. Rather, that they had forged my name and booked the hotel through XXXX but had only paid the minimum deposit of {$XXXX}, which forced me to pay the following {$XXXX}, if my family and I decided to stay. 

I spent hours calling both companies, neither of which have made themselves responsible. So I had to pay the hotel and change all our flights to go back earlier from our vacation, as obviously we had been scammed as well as I called my credit Cards to cancel the payments. 

When I arrived back in XXXX I noticed that the company had done this scam to several people and that there were many complaints about it on the internet. 

Bank Of America, refunded me the charged amount but on XX/XX/XXXX they sent {$XXXX} back to the Merchant. Because the merchant sent them a letter saying that the merchant had told them that they provided me the service. I am attaching this letter where you can clearly see that they charged me without giving me the service. I hope that by analyzing the documents you will clearly see how the merchant pocket the money and didn't deliver my reservation in XXXX. XXXX holding did not render the service offered and they are not willing to provide a legit service but a well orchestrated Fraud. That cost me and my family to not only cut short our vacation, be stranded in XXXX but spend so much money paying the hotel as they did not and changing all out flights. 
I truly hope you will be able to see the fraud and support my position. 
Thank you XXXX XXXX
Consumer complaint received 2021-01-23
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: BARCLAYS BANK DELAWARE (NJ)

I have been unemployed due to the Pandemic for roughly 10 months. I also have a disability which precludes me from securing certain types of work. Most credit card companies have been supportive during this time, but a couple were not. Late fees, reports to credit agencies etc. I told one in particular that I was waiting for Unemployment assistance and that the threats needed to stop. They didnt. Eventually, they sent the debt to a collection company which has contacted several members of my family, including some I havent spoken to in some time.
Consumer complaint received 2021-01-23
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: PNC Bank N.A. (NJ)

I just took a look at my credit and noticed that I was being reported as being 30 days past due as of XX/XX/2015. I just looked through my records and do not recall even having a late payment with your company. I am not sure if this is some sort of computer error but I have always paid on time and usually before my due date which is why there are no other late payments than this one.
Consumer complaint received 2021-11-20
Product: Credit card or prepaid 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: BARCLAYS BANK DELAWARE (NJ)

To Whom It May Concern : I have a credit card, account number XXXX, with BarclaysUS. They were offering a 0 % APR balance transfer offer for 6 months that I wished to accept. The representative was offering to direct deposit the money that I need directly into my business bank checking account with XXXX Bank. I did this transaction on XX/XX/XXXX and the transaction posted on XX/XX/XXXX. I was a bit concerned with the XXXX doing the transfer on XX/XX/XXXX as he was not asking for my routing number and did not know the account number. I found this odd since I had done a similar balance transfer offer successfully on XX/XX/XXXX to the same bank account and got the money instantly. He kept asking for my branch address. I had to request that he take my routing number down numerous times. I knew that without a routing number, the ACH of funds would never hit my TD Bank checking account ( or XXXX Bank at all for that matter ). He eventually completed the transaction. 

I later checked on XX/XX/XXXX to make sure the funds had hit my account and they still had not. I called on XX/XX/XXXX to establish a complaint with the company. The first representative did not seem to think it was a problem and that most ACHs could take up to XXXX business days. I implored her and her XXXX that I asked to have escalated to during the call to look a bit deeper. They realized that there was no routing number. I supplied this to them. However, now they said that this could take up to XXXX business days to resolve. I did not think that was a reasonable time window for resolution. I called again on Friday XX/XX/XXXX. I got the same answer that a case has been started and they're looking into it, but I could sense that there was no resolution on the matter or even a start to resolve the matter. They continued to reinforce that this might take 30 days to resolve. I don't think a simple ACH mistake should be given that long of a window, especially when it was me who initiated the case 5 days later and the charge is on my Barclays account for which I have the responsibility of paying. However, I don't have the benefit of receiving any money to complete the transaction. 

I am writing to the CFPB to expedite the handling of this matter with Barclays. I wish for a Barclays representative other than a customer relations XXXX to give me a resolution window that is less than " possibly 30 days ''. 

I can best be reached by my cell phone at XXXX.
Consumer complaint received 2021-02-02
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. (WI)

It has come to my attention that i have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is very inconvenient on my part!
Consumer complaint received 2021-01-23
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. (NJ)

I had identity theft and a fraudulent hard inquiry on my credit report on XX/XX/2020. XXXX ( XXXX XXXX was the lender involved, and Equifax was the Credit Rating Agency. I have tried multiple times to have the inquiry removed, but it has been extremely difficult to do so. Equifax insists that I must have a deletion letter sent from XXXX to Equifax to have the inquiry removed. However, given I am not a client of XXXX, it is extremely difficult to get in touch with them. For example, almost every XXXX # of XXXX that I call, an automated system asks me for my credit card #, account #, or social security #. The only problem with this is that I have no accounts with XXXX, thus it is extremely difficult to get in touch with them over the phone, making it impossible to have them contact Equifax. Despite this, I was able to reach the correct department at XXXX twice in the last six months. Each time, they assured me that they will reach out to Equifax to have the inquiry removed. I even received two separate confirmation letters in the mail from XXXX that two separate requests to Equifax had been made, one in XXXX and another in XXXX. Still, Equifax insists that they have received nothing and says there is nothing they can do to remove the inquiry. I filed a dispute directly with Equifax in XXXX, and the results of the dispute report, once again, that I must speak with the lender to resolve the issue. 

So it is a Catch 22 for me. I can't have a hard inquiry removed from my credit report unless I ask the lender to contact the Credit Rating Agency. And it is next to impossible to get in touch with the correct department at the lender given I am not a current client. Meanwhile the hard inquiry remains, adversely affecting my credit rating, and I have spent many many hours on the phone over the past 6 months trying to have this issue resolved. 

Attached are two letters I have received from XXXX as well as a result of my Equifax dispute in XXXX.
Consumer complaint received 2018-12-11
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (TX)

I received a voicemail on Tuesday, XX/XX/XXXX at approximately XXXX XXXX XXXX XXXX  from a woman named XXXX XXXX. She gave a case number of XXXX. She indicated that a case was being filed against me and I would forfeit all my legal rights, that my supervisor at work would be contacted and that I will be found. She spoke in a manner to indicate that she was calling from the XXXX XXXX County court. I have attached the voicemail below. When I contacted the number she left, it was a collection agency. I spoke to XXXX XXXX and gave him the case number from the voicemail message. He told me that I owe {$800.00} on a {$400.00} loan if I pay today. If I do not pay today, I will owe over {$2000.00} related to interest and court costs. I asked about the person who left the voicemail on my phone. Mr. XXXX told me that she had misrepresented the matter and that she does not work for the same company, even though they both had the same case number.
Consumer complaint received 2018-03-07
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: SYNCHRONY FINANCIAL (IL)

Early in XX/XX/XXXXI contacted XXXX XXXX XXXX XXXX   to help me with my debts.Since then I have been instructed not to talk with any of my creditors and I have sent letters explaining the course of action I have taken, but everyday, several times a day I keep getting phone calls and voice mails on my phone.I also supplied them all with a number they could call.I am stressed out over these calls and want them to stop.
Consumer complaint received 2019-06-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY (CA)

I received an introductory offer. I just bought a new homeand was renovating the heater and AC. XXXX representatives were here offered me credit at at 9 % the Wells Fargo offer was for 0 % no teanfer fees so I called Wells Fargo on my cell phone, the agent took my information but told me that i only qualify for XXXX XXXX dollars. So i advised her that i did not want the credit card and she asked me if i deined the card which i said yes. I received a bill which i didn't open stating that XXXX was sent to my XXXX card. I noticed an XXXX repayment on XXXX, they adbised me that Wells 3sent the electronic payment so XXXX card resent the payment which Wells Fargo told me to hold on to it. Now i have been trying to get resolution and today i called again a d was ts that Wells Fargo doesn't send out resolution letters, theres3no phone recordings and i am out XXXX, i can't speak to anyone. I need help grom these thieves.
Consumer complaint received 2024-02-02
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: CrossCountry Mortgage LLC (AZ)

XXXX  ENCLOSED EVIDENCE OF THE INDUCEMENT OF FRAUD BY CROSSCOUNTRY MORTGAGE, LLC. THIS LOAN ORIGINATOR CONVERTED BY TRES PASS THE AJUSTABLE RATE NOTE INTO A MONEY ORDER BY ENDORSING AN ALLONGE TO NOTE, AND CLAIM INSURANCE, WHICH IS ADDITIONAL FRAUD BY UNFAIR DECEPTIVE BUSINESS PRACTICE, CROSSCOUNTRY MORTGAGE, LLC CLAIMED A FALSE TAX RETURN BY SUBMITTING A FALSE 1098 AND 1099A, THAT IS ATTATCHED TO THE AFFIDAVIT AND MISUSED MY SSN FOR UNJUST ENRICHMENT BENEFIT.
Consumer complaint received 2021-03-28
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (NY)

I was sent three legitimate XXXX transfers for rent/bills to my Wells Fargo checking account on XX/XX/XXXX for {$200.00}, on XX/XX/XXXX for {$15.00}, and on XX/XX/XXXX for {$310.00} by my ex-boyfriend. On XX/XX/XXXX I found myself locked out of my Wells Fargo App and the Wells Fargo Website. Upon contacting them, customer service vaguely transferred me to their Fraud department where I was asked if I could account for the reason for the three transfers. I stated they were probably from my ex-boyfriend, as I could not access my accounts at that time to look at the said transfers she rattled off since I was still locked out of account access, to pay bills such as rent. She asked what his name might be and I confirmed. She then proceeded to tell me that my extra-boyfriend has claimed that these legitimate XXXX transfers made two and three months prior were reported as fraudulent by my ex boyfriend to his bank, XXXX XXXX. I said that they were clearly legitimate, looking at prior history of him sending me money, would demonstrate that. She took me that it would be investigated by Wells Fargo and they would go back and forth with XXXX  XXXX regarding the matter, making it seem that my bank would protect Me from a man who had already tried to steal {$200.00} from my Wells Fargo Checking account just two weeks earlier, causing me to open a new checking account to try to ensure my funds would be safe. The next day, XX/XX/XXXX, I would up to see that {$520.00} was missing from my Wells Fargo Checking account. They revised the XXXX transfers and released the funds back to XXXX XXXX to give back to my ex boyfriend. He is running a scam and Wells Fargo assisted him in doing so. I have plenty of evidence which demonstrates that the mere act of reporting these legitimate XXXX transfers as fraud two and three months after the fact is indeed an act of fraud committed against me and Wells Fargo is refusing to return my {$520.00} they took from me. I am looking to get help. This isnt right and one of their condescending managers essentially hung the phone up on me the other day.
Consumer complaint received 2024-08-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I am writing to disputed account on my credit report that were made withot my consent. According to section 604 of the FAIR CREDIT REPORTING TO SECTION ( 15 U.S.C 168 1B ) THERE ARE SPECIFIC PERMISSIBLE PURPOSES FOR OBTAINING A CREDIT. I dis not uthorize these account and can not find any permissible purpose under this section that justifies their presence on my report, ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2019-02-19
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: U.S. BANCORP (CA)

XXXX XXXX, SSI # XXXX  My phone is XXXX Email XXXX Two US Bank Credit Cards settled closed : US Bank Card # XXXX ( First date of delinquency XX/XX/2011 ) US Bank Card # XXXX ( First date of delinquency XX/XX/2011 ) Two US Bank Credit Cards settled closed : US Bank Card # XXXX ( First date of delinquency XX/XX/2011 ) US Bank Card # XXXX ( First date of delinquency XX/XX/2011 ) These items are more than 7 yrs. old they should be updated and removed from my XXXX  credit report See Attached documents
Consumer complaint received 2021-01-23
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (NC)

PayPal let a fraud transaction go thru. I called them and they scammed me into their policy by purchasing gift cards using my checking acct scam me out of XXXX. I followed the policy like a XXXX. I have names email etc. they downloaded XXXX XXXX and XXXX XXXX onto my cell phone. Had me drive to XXXX to purchase XXXX. XXXX in gift cards. I used XXXX from XXXX also because he said there was a error on their part and refund the money. It never happened.
Consumer complaint received 2019-06-24
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Confusing or misleading advertising or marketing — 
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/2013 I obtained a cashiers check using {$23000.00} from checking and {$160000.00} from savings. I was assured there was no expiration date. However I was never told about escheating. I realized I needed more funds in my checking so I returned to bank and had {$3000.00} put back in checking and was given another cashiers check for {$160000.00} on XXXX XXXX and was again assured there was no expiration date. Last week on XXXX XXXX I went back and told them I want this cashiers check put back in my savings acct. I was then offered a private clients account ( which at the time I did not know is not federally funded and based in Texas ) Banker had me type last 4 digits of my SSN in her computer or this private client account.She then left with my check several times and was given a number by another employee. Check was run through and she left again with my check. She then went back to her computer and said my check is unclaimed property in Ohio and told me to go home and see if my name came up.I could not find my name in Ohio or Ca where I live.I went back to bank and was told it is Texas. I later found out  the clients acct is in Texas. I also got a case # by phone from Ohio and also the name she was e-mailing to the person in bank which was the same name I was in contact with. I was told another employee was waiting for the e-mail. I was told they would call me back. I never received any calls and my calls have not been returned.
Consumer complaint received 2019-06-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: WELLS FARGO & COMPANY (TX)

I came into a location other than my normal location to cash a money order drawn on Wells Fargo. I brought in the receipt from original purchase of money order and they told me they had the discretion to not cash it so they didnt. The interesting thing is I have never had this issue at my home bank in the last 8 months with much larger transactions. When speaking with the manager there was no just cause for not cashing other than prejudice or discrimination nothing solid or factual!
Consumer complaint received 2024-02-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bonded Business Services, Ltd. (TX)

I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I request that it be closed immediately. Please send me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit files. 

I have never had and dealing with bonded business services or XXXX XXXX XXXX that Bonded represents.
Consumer complaint received 2023-01-04
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: Experian Information Solutions Inc. (SC)

I read the company 's response and it did not dissolve my issue. The company stated the " asked '' the company if the alleged debt was in fact mind but I have not, in the past 4 months since starting the dispute process, received any validation of this alleged debt. I ask that Experian give me the name of the person that claimed the records were validated. Also the phone number of the person spoke to who " verified and validated '' this account. According to 15 USC 1692 ( g ) Validation of debt I have not receive anything validating this alleged debt. I have
Consumer complaint received 2019-06-24
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: ACS Education Services (IL)

Im actually having a problem with the three major credit bureaus not investigating this enough. XXXX XXXX XXXX/ ( also can be found as XXXX ) inaccurately reported a 60 day late back in XX/XX/XXXX/ XXXX when I was doing a consolidation of all school loans with the current lender. They were the ONLY lender, during this process, that did not cooperate and get the information to the soon-to-be consolidating company, and during this time my loan with them was supposed to be forbearance because it was processing as a consolidation and the payout information could not change. I did that process with them, but I had no idea that they did not only not get the info to the consolidator, but they also marked the loan as 60 day late! I can not even express how frustrating this has been to get removed. They no longer exist, and I spoke to them before they were shut down by the Federal Government back in XXXX when they were sued for Millions of dollars because they were not servicing loans accurately, timely and accordingly! They were sued for the very reason Im trying to get this off my credit. You can even look at all my school loans, I never have had ONE late during all this time, except with them. This is totally inaccurate and frustrating because the credit bureaus dont seem to know what they are doing when I have disputed. I just dont get it. Im copying and pasting this article so you can see what Im talking about how they were sued. XXXX XXXX XXXXXXXX Please help me, I want to simply get this 60 day late from all three credit bureaus because its still impacting my ability to get better rates, loans, leases, etc. Please can you help???