davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-11-29
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. (PA)

I attended XXXX XXXX University in XX/XX/XXXX. My loan was for XX/XX/XXXX/XX/XX/XXXX I never attended XXXX XXXX in XX/XX/XXXX I was enrolled but never attended so I dropped the classes but the university still received my financial aid money. I was not a student there in XX/XX/XXXX. Which means I should not owe this company the funds they say I owe them. Then with further investigation this company has not truthfully reported the correct date of my first delinquency to them. They say the last payment I made was in XX/XX/XXXX which is false. They are reporting the wrong dates the credit bureaus and this account is past the time of the 7 years reporting period. The dates and payment times are incorrect and the financial aid money that I never used should have been returned to this lender, I am responsible for paying for services that were never rendered. Where did this money go? I never received a disbursement from this school but on my loan it stated that i received one.
Consumer complaint received 2017-11-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have disputed my bankruptcy and the way it is displayed multiple times by letter ( XXXX ) with TransUnion. According to the New Public Record Reporting Standards that went into effect XXXX XXXX2018, it was put into place to enhance and improve the accuracy of credit reporting information. According to the new policy, bankruptcies should display minimum identifying information as follows : minimum reporting of name, address, social security number and or date of birth. This discrepancy has a major impact to credit scoring and predictive performance because of the inaccuracies displayed by the inaccurate display of information being reported by TransUnion and they refuse to remove it!
Consumer complaint received 2017-11-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY (GA)

On XXXX XXXX I sent a debt validation letter to Wells Fargo XXXX dept in reference to years of interest accrued via cash advance. It is my belief that I did not know cash advances were being charged on my account. I requested a fraud review in which I received a letter from their fraud team along with my entire credit card history stating that the charges were valid ( " the account was authorized based off payments and transactions made to the account. ). *My credit card was closed in XXXX and charged off a few years later. * Upon receiving a recent settlement offer for {$1500.00} from Wells Fargo for monthly payments of XXXX for next 10 months, and further review of my charges from what they sent me, I called today XXXX/XXXX/XXXX to make a good faith counter offer of {$1000.00} in which I informed collection rep that due to my current financial status that I will not be able to make payments for the next 10 months of {$150.00}. I informed rep that I was gifted {$1000.00} and would like to settle with all that I had. I was told my offer would not be taken and that I had to either pay {$90.00} a month until full balance was paid ( {$2500.00} XXXX or settle with the 10 month option of paying off the {$1500.00}. 

I do not know what to do with this debt as they do not want to take what I am able to pay with today nor am I able to find extra income to pay an additional monthly bill of either the full payment or settled amount? I feel defeated. All I want is for this account to be over with. I could of been done with this TODAY.
Consumer complaint received 2017-11-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (NV)

I started making payment to get out of default, once out of default i tried to srart working on the debt. After making a settlement release payment of XXXX i got a wage garnishment paper from department of education. They told me i have n't made any payment and the XXXX XXXX XXXX that i was paying was not real. And none of that money even counted as payment.
Consumer complaint received 2017-11-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

The monthly and annual membership fees on my Capital One credit cards are ridiculously high and I am aware that Capital One agrees with me, because in nearly all cases they will remove the monthly and annual memberships just when a customer points out the excessive amounts of these fees. I pay a high rate of interest for my cards and that should be enough. I want Capital One to stop charging these fees.
Consumer complaint received 2017-11-29
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: WELLS FARGO & COMPANY (CA)

My Wells Fargo atm card was lost and fraud charges incurred. I spoke with Wells Fargo bank and disputed the charges via phone and submitted a letter to them for unauthorized charges. Wells Fargo did not take the matter seriously and said I used my PIN number for the charges and declined my claim. I never used any PIN number nor I know what my PIN number is? 
All fraud charges incurred without PIN numbers nor any signatures on sales receipts. Wells Fargo bank and their claims department is not truthful of their investigation. At this time Wells Fargo has not done anything to reconsider their decision and collect back my funds.
Consumer complaint received 2017-11-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (CO)

Chase credit card : ending in XXXX I paid off my full balance and closed the account XXXX XXXX XXXX. 
I still incurred a {$19.00} annual fee after this date. I was unaware and did not log back into the account. I got an email on XXXX XXXX XXXX stating my account was overdue. I called XXXX XXXX XXXX and was told by customer service rep that I was late on the fee of {$19.00} and was charged an additional late fee of {$15.00} on top of the {$19.00}. 

I went ahead and paid the overdue amount and told the rep to close the account again. I also noticed Chase Credit Card had put a negative hit on my credit report. 

This is not fair practice. How can I incur charges/fees after I already closed the account a month prior, they should have waived the late fee since the balance was paid off.
Consumer complaint received 2017-11-29
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CITIBANK, N.A. (AK)

XXXX & XXXX XXXX Our Mortgage NightMare We Bought our house in XX/XX/XXXX. Weve lived here for 14yrs! In XX/XX/XXXX I was recovering from XXXX XXXX XXXX XXXX ( XXXX XXXX ) [ House is in XXXX XXXX XXXX name my wife ] we called Citi Mortgage to get a loan Modification based on my XXXX and XXXX income. For the next 16-months Citi dragged us through the mud, every week they would ask us for the paperwork that we gave them last wk! 
In XX/XX/XXXX Citi called and the Loan Modification was denied for lack of income. So we told them we wanted to add XXXX tips ( she works as a Barista ) to do another loan modification they said ok. My wife makes XXXX mo on avg in tips. We even had her boss sign a letter confirming. 
We made cash deposits for the next 3 mos XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, ... No response from Citi! yes or no ( Remember on average it takes 3-4 months to do a Loan Modification ) Every wk from XX/XX/XXXX till XX/XX/XXXX they asked again for the same paperwork we gave the week before. On around XX/XX/XXXX ( Wednesday ) Citi asked us to prove again the tip deposits ( REMEMBER WE ALREADY PROVED IT FOR 3 MONTHS ), And yet no call, no email! 
We have a XXXX XXXX bank acct, its not easy In Alaska putting cash in an online bank. So we only deposit when needed. I bought some XXXX XXXX as investment, So when they asked to prove it again because we didnt put tips in the bank for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX., I couldnt transfer quick enough!! It takes 2-4 days and I hadnt even set up transfers. So Monday the XX/XX/XXXX they called and said No again. 
2 days later the XX/XX/XXXX we received a XXXX letter that stated Citi approved us for a Short Sale. They gave us until XX/XX/XXXX to decide Short Sale or go into Foreclosure. For 16Months The XXXX, XXXX and XXXX XXXX Weve been through has been tremendous. We were trying in the short amount of time they gave us to find someone to help us save our house. Today XX/XX/XXXX I called a foreclosure expert he told me to call Citi and ask if they already sold the house, I said why he said Its been sold to a 3rd party! Wow I couldnt believe it! I called Citi and after some prodding, XXXX at Citi told me someone gave a bid on the XX/XX/XXXX and Citi excepted it and sold our house on XX/XX/XXXX! Citi told me on the phone they made a mistake and would fix it after the XX/XX/XXXX the day we were suppose to make a decision on Short Sale or Foreclosure. UPDATE : We have received a notice of vacate from the people who supposedly bought our house. They gave us 10 days! CitiMortgage is now telling us theres nothing they can do! We need help PLEASE! The company that bought our house : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, # XXXX XXXX XXXX, NV XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXX, Ak XXXX XXXXXXXXXXXX XXXX
Consumer complaint received 2017-11-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX XXXX has reported to all 3 major bearus that I had a late payment. I have contacted them directly and all three bearus separately in regards to being involved in a Natural Disaster Hurricane Irma who put me without work for two weeks due to no power and distruction. I have submitted disbute within the creditor itself and also TransUnion, XXXX, and XXXX. No one is resolving the issue.
Consumer complaint received 2017-11-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: WELLS FARGO & COMPANY (CO)

On XX/XX/XXXX, I applied for a Wells Fargo XXXX XXXX Credit Card. I am a customer of the bank for over five years and am in good standing and got a credit score in the top 20 % of the population. 

On XX/XX/XXXX, Wells Fargo closed the account, without notifying me. I eventually found out on the customer portal of Wells Fargo and subsequently filed a complained with CFPB on XX/XX/XXXX. ( CFPB Case # XXXX ). On XX/XX/XXXX XXXX or XXXX XXXX XXXX answered to parts of my complaint on behalf of Wells Fargo thru the CFPB. While many questions remained unanswered, according to Wells Fargo the account was closed " by our Fraud Department due to a possible fraudulent application being submitted. '' It was suggested by Wells Fargo, that I should submit a new application by either of the following three options : 1. You may go online at wellsfargo.com website. 
2. You may apply by phone at XXXX. Agents are available to assist you Monday- Sunday, XXXXXXXX XXXX XXXX XXXX ( XXXX ), ET. 
3. You may apply at your local Wells Fargo Branch, when you are back in the United States. 

On XX/XX/XXXX I did as suggested and opted for ( 1 ) above ( Application # XXXX ). This time the credit was not auto approved. Today, I received a letter dated XX/XX/XXXX but postmarked XX/XX/XXXX in which Wells Fargo informs me, that my application after " careful review '' was denied. The resaon given for the denial was : " This is a duplicate application ; you have already responded to this credit offer '' I am sorry, but this is totally absurd! It was Wells Fargo which cancelled the previous account without ever explaining, why a fraud was suspected or why they would n't inform me of such suspicion. It was Wells Fargo who suggested I should apply again, as the old account could not be reopened. What did I do wrong? What has changed, that I was initially approved and am now rejected?
Consumer complaint received 2017-11-29
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Automatic Data Processing, Inc. (NJ)

I had a flexible spending account with ADP. I would put XXXX toward my medical bills each year. In XXXX I had a filling filled and my XXXX gave me a receipt. XXXX did not accept the receipt because it was n't itemized. I then sent the explanation of benefits from my insurance company. I thought that it was set. However it was n't. And I lost the XXXX dollars from the XXXX plus everything that was left on my flexible spending account because they locked my account until I could produce a itemized bill that was not an EOB. This was about XXXX dollars. It stung but I swallowed it. 
In XXXX I planned to have a child so I signed up for XXXX XXXX. This time putting XXXX dollars are the card since I knew my care would be expensive. I also spoke to my drs and was assured that I could get an itemized receipt for services. I tried to use my card and was told the card was still locked pending the receipt for XXXX. I explained that I had forfeited XXXX dollars then and that I could not get a receipt at this point. XXXX then told me it would not matter, as I only have 1 year to submit a receipt. So I asked how do I resolve this and fee my funds. XXXX told me that I could not and that all XXXX dollars would be forfeited at the end of the year. I got my company HR involved but they could not help me either. 
I then called a few class action suit attorneys but did not have the time once my daughter was born to follow through. There may not be much you can do for me, but I hope this does n't happen to anyone else.
Consumer complaint received 2017-11-29
Product: Credit card or prepaid 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. (CA)

Purchased furniture at XXXX 's in XXXX CA, applied and received credit on a Brandsource CC for XXXX 's. XXXX XXXX 's cash for amount above XXXX. Used card for XXXX balance for interest free promotion. Within less than a month XXXX doubled my balance to max card out at XXXX. Many attempts made to resolve problem with XXXX 's and XXXX. Took 2 months to get the charge off. In the meantime, XXXX had turned in maxed out card balance to credit bureaus that dropped my credit scores after stating they would n't do that. 

Now getting letters from XXXX security at their company that they intend to reinstate that fraudulent double charge again. One letter made on 1XX/XX/XXXXand another on XX/XX/XXXX, both from XXXX Credit Card Security. I have saved these letters and have sent a message to the effect of starting legal action if they do just that. 

I also had called Citibank, my own place of banking, and asked if they could intervene on my behalf to help me since the XXXX card is issued by Citibank. They would not help.
Consumer complaint received 2017-11-29
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Coinbase, Inc. (CO)

I had {$1700.00} in a Coinbase, Inc account XXXX XXXX, 2017, I sold and authorized sent to my bank account. It has never arrived, most phone numbers for Coinbase are non working, no one answers numbers that do work, emails are not returned and there are Thousands of online reviews stating this is normal for Coinbase and MOST people just end up getting screwed. Coinbase is a scam run by thieves. I have n't filed a lawsuit, there address is virtual so they ca n't be served. I am  filing complaints with the US and New York AG, CFPB, IRS, FBI and Banking Commission. I want my money ... NOW
Consumer complaint received 2017-11-29
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: CITIBANK, N.A. (FL)

When reviewing my XXXX XXXX, I noticed a new hard inquiry from CBNA made on XXXX XXXX through XXXX. I have not registered to have any new accounts opened or made any authorization to do so. Im not even aware who is CBNA. 

Please assist me in getting this removed as this is alarming me. I was a victim of identity theft in the past would hate someone out there is reattempting it.
Consumer complaint received 2017-11-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I sent letters to XXXX, XXXX, and transunion about having several unauthorized inquiries on my credit report. I asked them to validate or otherwise remove them because I knew they were not authorized and they sent me back a letter stating companies are allowed to run my credit even though I specifically told them I had not auttorized certain ones and had zeros knowledge of them.
Consumer complaint received 2024-09-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MO)

On XX/XX/2024 I deposited in the ATM five crisp {$100.00} bills. The ATM had an error message that it was unable to deposit my cash and I was not able to get the cash back and if when receipt received wrong amount was showing for deposit amount to call some number. It wasnt on the screen three seconds to get a picture. The deposit amount showed {$300.00}. 
I called the number on top of the machine. She opened a case and advised it would be 2 business days to make decision. If I did not receive funds in 2 business days it would be 10 business days. 
Today is XX/XX/2024 and I still do not have my money.
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (GA)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (TX)

I am writing to report that I have been a victim of identity theft. I have reason to believe that someone has used my personal information to open accounts or make unauthorized purchases. Please investigate and take any necessary steps to correct the fraudulent activity and protect my credit. I would also appreciate a copy of my credit report once investigation is complete. Thank you for your attention to this matter.
Consumer complaint received 2024-09-03
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: U.S. BANCORP (CA)

This account constitute a clear violation of the contract and are fraudulent. The bank did not provide me with critical information about this fraudulent account, which directly infringes upon my consumer rights. Consequently, I urgently request the Consumer Financial Protection Bureau ( CFPB ) to address this matter directly, as the bank 's actions have caused substantial harm to my financial situation. The account in question is : U.S. BANK XXXX
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IN)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking- Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ) .I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair CreditReporting Act. I am a victim of XXXX XXXX  of Debt Bondage and would like for all listed accounts to be blocked and deleted company informationXXXX Please delete the following accounts.
Consumer complaint received 2017-11-28
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. (FL)

In XX/XX/XXXX I opened up a XXXX XXXX in which I signed a two year agreement. I has service for a few months and ended up switching carriers at which time I owed an early termination fee since I did not keep service for the full two year as I had initially agreed per the contract. In XX/XX/XXXX I was contacted by a debt collector on XXXX XXXX behalf in which I was offered what I thought was a great deal. The debt collector offered me the opportunity to settle the account in full and if I did they would delete the collection account from all three credit bureaus. They advised once my payment cleared on their end which normally lasts about 48 hours that they would send me a deletion letter to provide to the credit bureaus. Months went by and never received one as they promised. I do not know the name of the debt collector nor do I have their number so I had to call XXXX directly and XXXX advised me that there was no such comment on my account. The collection account was removed from XXXX but not from Experian or XXXX. Not sure why it was only deleted from one of the three credit bureaus but they have not delivered as agreed upon. Not only should have the account been deleted Upon looking further into my Experian credit report I realized that XXXX XXXX is n't even being reported correctly as it does n't even show up as a collection but is being reported as a regular account which was closed with two late payments as failed to pay and a 1 month term. From my understand a collection account shows up as a collection as how it currently shows On XXXX. Credit reports show as {$0.00} balance but should n't be on neither of the two anymore.