davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-04
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Unexpected or other fees — 
Company: WELLS FARGO & COMPANY (UT)

On XX/XX/2021 I went to local Wells Fargo ( XXXX, UT ) to open savings account attached to checking acct. After account was opened I deposited a foreign check into that account for the amount of XXXX XXXX. This check was an interim check for a settelment offer from the XXXX Government for XXXX 's XXXX survivors. The branch converted the amount to USD in the amount of {$16000.00}. This amount was posted to account on XXXX, on XXXX I was informed by branch manager that now the check had came back as a stop payment. They informed me that not only an I paying returned check fee of XXXX I now owe XXXX because the conversation had changed, however statement shows XXXX was return payment. I contacted them and customer service could not give any information as to what had happened so I contacted the issuers of the check. XXXX has the undertaking to disburse checks to claimants, they stated that there should be no issue with the payment and the bank in XXXX XXXX XXXX XXXX and perhaps there was a clerical, human or computer error and no stop payment was issued. They ( XXXX  ) stated they would contact Wells Fargo to inform them payment legitimate and to reprocess the payment. I then contacted wells fargo again to inform them that they would be receiving a call from XXXX to verify payment, I was told they would not do anything as they use a third party to deal with international checks and a new check would have to be issued also that they did not remove the fees for this transaction. If wells Fargo neglected to confirm check via wire or contacting bank any issues should fall on them not customer.
Consumer complaint received 2023-01-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: DISCOVER BANK (AL)

TO WHOM IT MAY CONCERN The company DISCOVER never gave me adequate notice on my right to rescind at the beginning of this consumer credit transaction. pursuant to 15 USC 1635 ( a ) I was supposed to be informed of my right to recession and I had until midnight of the third business day following the consummation of the transaction or the delivery of the information and rescission forms required under this section together with a statement containing the material disclosures required under this subchapter. as seen below I have never received said documents which would mean my right to rescind is still in effect. I hereby rescind the transaction made between me and DISCOVER and I demand that you SHOW ME A DISCLOSURE SIGNED BY MYSELF OR CEASE AND DESIST FURNISHING ON MY CONSUMER REPORT, ALL COMMUNICATION WITH MYSELF IN ATTEMPTS TO COLLECT A DEBT, AND FURNISHING MY PRIVATE INFORMATION TO THIRD PARTY DEBT COLLECTORS.
Consumer complaint received 2023-01-05
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: Navient Solutions, LLC. (CO)

I disputed late payments that are showing on my Navient account at XXXX. I have late payments from XXXX, XXXX and XXXX. I informed them that payments are not late and are not required due to Federal Gov't Covid policy, payments are still not due until later this year XXXX. XXXX stated that they researched and kept the information as being correct, and added a remark " Dispute resolved, customer disagrees ''.
Consumer complaint received 2023-01-04
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 (VA)

XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX Account # XXXX Case ID XXXX Post Date XXXX  Communication dates XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX My credit card was presented to a restaurant for the sole purpose of having a credit card on hand, as they commonly request when parties of present. The issue here is that my credit card was left behind and an excessive amount of charges were present on my credit card without my knowledge, and approval. I never received the receipt or even signed the receipt, therefore when contacting the establishment in person, they neglected to provide me with the receipt and failed to follow through with providing me with any documentation. 
In turn, I contacted Barclays about this situation, after serval months of going back and forth from disputes to fraud department, they failed to assist me in obtaining the documentation from the merchant. The irony here, after several attempts I finally received documentation from Barclays stating I was not held responsible and they favored with me, removing the charge from my account a few days later I see the reversed the charge back to my credit card. 

When contacting them for 6th time, they stated that they had closed this case and favored with the merchant and I had asked how they could do this without having any supporting information. They claimed a receipt was not needed, as the card holder is responsible because I presented the card to the merchant. 

This makes absolutely no sense to me and without a signed receipt, this seems to me as being a fraudulent charge. 

The issue now stands that my account is in default for non payment, reported to all credit agencies as default payment and now tarnishing my credit rating. 

I would like this matter addressed getting the supporting documentation that I initially requested along with penalties applied to Barclays for negligence of supporting their card holders. Based on the findings posted on reviews I have found that Barclays has neglected to represent and provide support to the card holders in turn this should be addressed.
Consumer complaint received 2023-01-05
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

For more than 5 months I am trying to fix the errors about some debts that appear in my name. I call the accounts and no one gives me information. I also made several disputes with the credit bureaus and none have been answered. there are XXXX accounts with different amounts.
Consumer complaint received 2023-01-05
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. (OK)

Equifax The following companies have not validated or provided proof of debt. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX ( 3 Accounts ) XXXX XXXX XXXXXXXX XXXX The following credit inquires were never authorized XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The accounts that i have mentioned that have not been validated have been passed the 30 to 45 day window and need to be deleted
Consumer complaint received 2023-01-28
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Capio Partners, LLC (NC)

I have not received any bills and do not know what this collection is for. It just showed up on my credit as a collection. It is for {$360.00} from Asset Care LLC. Opened XXXX XXXX 2022. No phone number for them is provided, only an address. XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX. 
It is not fair that this can ruin my credit score and I dont know what it is for and have never received bills or calls.
Consumer complaint received 2024-02-23
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: KBR INC DBA RASH CURTIS & ASSOCIATES (CA)

They have only sent bills for DOS XXXXXX/XX/XXXX and XX/XX/2019 and a fraudulent Consent for Treatment from XXXX XXXX XXXX with an old signature of mine for both dates of service. The form from XX/XX/2019 has information that I am supposed too fill out written in by someone else and the form from XX/XX/2019 has information filled in by the computer that you can barely see. These forms were not included with the bills that they sent me the first time I request the proof that they had and these forms are not found in the chart notes for these dates of service. So I have no idea where they got these forms from, which is a violation of my HIPAA rights on behalf of XXXX XXXX XXXX. But I most definitely did not give Rash Curtis and Associates authorization to get them and I did not give XXXX XXXX XXXX authorization to release them. Also, I do believe under the No Surprise Medical Bill Act they can not bill my for emergency room services, if I did not give up my rights too getting billed for these services. Also, during these emergency room visits I was signed up for emergency Medi-Cal services , but on the XXXX DOS they have my middle name spelled wrong, and I don't know if they actually attempted too bill Medi-Cal for these services .
Consumer complaint received 2024-02-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (AL)

I deposited a 3rd party check and they sent me a email stating that they were freezing my account but if the check didn't bounce and it did go through that they would unlock my account and I could access my money. 
After the check went through they still won't unfreeze my account they've had my money froze for a year now. I asked them to close the account and to just send my remaining XXXX via check and they still won't do so
Consumer complaint received 2024-02-25
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (KS)

I recently opened a Best Buy credit card issued through CitiBank. On XX/XX/2024 I purchased a tv antenna from Best Buy.. The total price including sales tax was {$53.00}. At the sale register I explicitly said I did not want to put this charge on my Best Buy credit card. I said i wanted to use XXXX XXXX on my cell phone to charge it to my bank credit card. The Best Buy associate need to place the charge on the credit card device so I could use my cell phone. A couple of days later I checked to see if a payment I made has posted at which time I saw the {$53.00} charge that should not have been there. I called the phone numbers I had and talked to a man I think was at Citibank. I explained the problem and he helped me file a dispute. Over the next several days and weeks I used screen prints and and printed details of my XXXX XXXX card showing the payment was made to that card. I sent those in the comment section of the dispute and made additional phone calls. on XX/XX/2024 I received a letter from Best Buy Credit Services that included a number to fax additional documentation. I faxed the data I had copied from my XXXX account showing the {$53.00} had been paid by my XXXX  XXXX XXXX XXXX XXXX. I made another call with no results. The charge is still on my Best Buy card.
Consumer complaint received 2023-01-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (FL)

I went to the wells Fargo bank branch personally in XX/XX/2023 at XXXXXXXX XXXX located at and tried to make a cash deposit and the cashier received my money for an amount of XXXX so she did not give me a receipt, she did not add the money to my account and instead that she made me a withdrawal of XXXX $ which I did not request and she did not give me that amount at all. Now is missing XXXX $ of my money. When I went to the bank on Monday to claim, the manager without reviewing any document or checking anything at all, he told me that they do not receive claims and that they had no money left over on the day that I indicated and I had to leave without receiving any help, I also called the customer service of bank to file the claim. I wait 10 businees day and they denied me the claim without explanation. Thank you in advance for your help.
Consumer complaint received 2023-01-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NJ)

I ordered a copy of my report in and I found out that credit reporting agencies still indicate my dispute of accounts in my credit report. As of todays date, Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-02-23
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: CL Holdings LLC (MS)

Jefferson Capital Systems File # XXXX On Tuesday XX/XX/year> I noted that an incorrect adverse entry had been added to my XXXX credit report. The report was added by Jefferson Capital Systems of XXXX, MN. The original creditor was listed as XXXX XXXX in the amount of {$560.00}. I contacted Jefferson Capital Systems and spoke with XXXX ID XXXX and indicated that the item was not mine. I also contacted XXXX ( formerly XXXX ) and they indicated that I did not have any old accounts with their organization. 

I submitted a dispute via XXXX XXXX, and noted that the item was removed. However I just checked my report at XXXX XXXX again and noted that the same item was now added to my XXXX credit report. Mind you, this was all without ever even contacting me first. I would like for Jefferson Capital Systems to remove this incorrect entry entirely from all applicable credit reporting bureaus.
Consumer complaint received 2017-11-04
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: EQUIFAX, INC. (MS)

On XXXX XXXX, XXXX, I had been approved by XXXX XXXX to buy a vehicle. I took the information to XXXX XXXX of XXXX to buy a car. Instead of them using the information that I brought to purchase the vehicle, they ran my credit to other finance companies to get my car loan even thou they said, these inquiries would not effect my credit but, it did effect my credit. I attempted to refinance or get a heloc from XXXX and those hard inquiries have heavily decreased my credit score and hindering me from getting the best interest rates that I got on my original home loan of 3.5 %. I want these inquiries removed from my credit file. I have been 100 % good at paying my bills and attempting to improve my credit score in good faith.
Consumer complaint received 2023-01-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2023-01-23
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Selene Holdings LLC (IN)

I have had multiple issues with Selene Finance but the following is only a complaint regarding the escrow account. I had to file for XXXX XXXX XXXX  XX/XX/XXXX after taking over the property from my ex wife. This XXXX  was XXXX the end of XX/XX/XXXX. In XX/XX/XXXX we received an escrow analysis stating there was a surplus of over {$7000.00} but I would not receive the funds due to being in active XXXX. The official cure document filed in XXXX  court on XX/XX/XXXX stated there was a surplus of over {$5000.00}. I received another document in XX/XX/XXXX stating that I had a shortage of over {$2800.00} and that my payment would be going up to cover the shortage starting XX/XX/XXXX from the regular payment of {$870.00} to {$1000.00}. My wife and I immediately started calling to resolve this issue as there was never a check sent to me nor applied to the loan account. The representatives state they escalate this information to the XXXX  and escrow departments but no one ever calls back. We have spoken to supervisors and customer care advocates and their answers are always the same " we see what you are talking about we are still researching this ''. We were told that this would be completed by XX/XX/XXXX but now the date changed again to XX/XX/XXXX as well as " we can not commit to a date '' but I still must pay the additional difference in the meantime. We have emailed their customer care team that we disputed the shortage. No one seems to know where the money has gone. 
From the time of the surplus in XXXX to the shortage in XXXX, only two transactions took place- {$580.00} in XX/XX/XXXX to pay for the property taxes and {$1400.00} in XX/XX/XXXX to cover homeowners insurance for the year. There are suspicious entries on the escrow analysis they provided where it shows a negative transaction of {$17000.00} and a positive entry of {$11000.00}. This has not been addressed although we continue to bring it up with every conversation we have had. I have also included mortgage statements where it varies month to month what is owed. At XXXX point we go from owing the regular payment in XX/XX/XXXX to owing {$21000.00} in XX/XX/XXXX. 

Please advise the next steps as we have had to go so far as to contacting the XXXX  to get a simple payment history, but the information we requested was not provided fully. We asked for XXXX to current and was only provided from XXXX. 

XXXX
Consumer complaint received 2021-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

Hello I hope your day is going well and you and your family have been staying safe during these trying times. I just received my credit report and was going through it like i normally do yearly and noticed these inquiries for accounts i never requested to open. These are fraudulent. I never engaged in giving this company consent to obtain my information. They unlawfully obtained my credit report. I made numerous calls sent numerous letters and I had no choice but to file a complaint. Attached please find my identitification along with the IDENTITY THEFT Report please remove these inquiries I never asked to get any accounts or loans with these companies.
Consumer complaint received 2023-01-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: The CMI Group, Inc. (TN)

This collection agency Violated my consumer rights : 15 U.S. Code 1681 - Congressional findings and statement of purpose U.S. Code ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter Account Name : XXXX XXXX XXXX Account Number : XXXX Date open : XXXX XXXX Account Type : Collection Status : Paid, was a collection account, insurance claim or government claim was terminated for default. 

Status Update : XXXX Original Creditor : XXXX XXXX
Consumer complaint received 2023-01-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

Consumer reporting agencies reporting late payments when in fact I was never late on account, Ive never received a letter 21 days prior from due date saying I owe such on such date, Account XXXX XXXX XX/XX/XXXX XXXX XXXX and XXXX  XXXX XX/XX/XXXX - XX/XX/XXXX and XX/XX/XXXX. Also Ive never authorized/ sent written consent for late payments to be reporting in my account which is an invasion on my privacy and defamation. How can consumer reporting agencies report something I never authorized and something that is inaccurate. This is defamation they are trying to ruin my reputation with other companies which can damage me emotionally and financially. If I decide to apply for something and companies see I have late payments this will be a major red flag for them to want to approve me for anything, I will be denied for something that is inaccurate and without my consent which is against the law.
Consumer complaint received 2023-01-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (MD)

On many occasions my checking account was overdrawn. Im absolutely sure that I track every penny I have and when my account started over drafting it just didnt make sense. My purchases will be pending for up to a week. Im pretty sure on at least 10 occasions my accounts was put into the negative. When I did call I was basically dismissed and told Im not understanding my banking app properly. To say the least it was highly offensive. Now that I see this class action lawsuit I totally understand. Your customer service representatives told me to basically deal with it and keep closer track of my money. With all due respect Im XXXX years old and I know banking better than most of your customer service representatives. It would be greatly appreciated if this situation could be further investigated and I be treated with respect.