davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-06-21
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY (TN)

I followed a link online advertising open a Wells Fargo Everyday Checking account by XX/XX/XXXX and make 10 transactions OR have {$500.00} in direct deposit to your new checking account in your within your first 60 days and receive a {$250.00} incentive. I opened my account on XX/XX/XXXX and completed my transactions on XX/XX/XXXX. I emailed Wells Fargo through my new checking account on XX/XX/XXXX to make sure I followed all the required steps to ensure I 'd get my incentive and spoke with XXXX XXXX who said I just needed to fill out a XXXX, which she sent me in a pre-addressed envelope, and wait 45 days. I filled it out and mailed it back the following week. I waited aprox. 45 days and checked my account again and saw I had n't received the incentive so I gave Wells Fargo a call on XX/XX/XXXX. I ended up speaking with 3 different people because the first time I was n't speaking to the write person and the second time I was transferred to the wrong person. Finally with the 3rd guy I explained my situation and was asking to make sure that I had done all the right steps to ensure I would get my incentive. He then laughed at me and told me I was n't getting the money because I missed the deadline. He informed me the deadline to open an account was XX/XX/XXXX and I opened my account on XX/XX/XXXX. I informed him that I actually opened my account on XX/XX/XXXX and I had an email from Wells Fargo saying my account was eligible for the incentive if I did the required steps, I had emails from XXXX XXXX saying I just had to fill out the XXXX, and I had a screen shot of the page I clicked on to apply with the deadline. He offered to file for it to be reviewed but laughed and said they were n't going to pay me. I thanked him for his time but told him I 'd email Wells Fargo again and resolve the issue. That same day, XX/XX/XXXX, I emailed Wells Fargo informing them of the above and wanted to know when I would get my incentive that was advertised. They wrote back that they would pursue the issue further and I have n't heard back.
Consumer complaint received 2019-08-14
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. (OH)

LOOKING OVER MY CREDIT FILES TODAY AND I SEE ACCOUNT THAT I HAVE NEVER RECALLED DOING BUSINESS WITH THESE COMPANIES. I HAVE SOME ADDRESS ON MY FILE THAT DO NOT BELONG TO ME. 
THE FOLLOWING ACCOUNTS ARE NOT MINE : 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 # XXXX I have filed a Police report and a FTC ID Theft Report.
Consumer complaint received 2017-06-21
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. (GA)

I am filing this complaint because XXXX XXXX XXXX XXXX XXXX Experian has failed to remove unverified information off my credit report. I have provided documentation to prove that the information on my report is reporting incorrectly but the information keeps coming back verified. I provided a letter from a previous landlord as well as the eviction notice that was served after the property had been vacated to prove that the dates and accusations were false but the bureaus still continues to report this erroneous information. Also, there is a 3rd party collection agency claiming I owe them money for an account with XXXX. I contacted XXXX personally and they have no record of the account number or the social security number attached but this continues to report. I also had a creditor break the terms of the contract. The contract stated 1 weekly payment of {$29.00} but the creditor began taking 2 payments weekly without my authorization. Under section 611 ( 5 ) ( A ) of the FCRA - they are required to promptly delete all information that can not be verified, that I have disputed. Please resolve this matter as soon as possible.
Consumer complaint received 2017-06-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Incomm Holdings Inc. (CA)

On XXXX XXXX, 2017 XXXX XXXX have purchased 3 vanilla gift cards with my credit XXXX  XXXX at XXXX store located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , CA XXXX. The cards were issued by Incomm financial services with {$450.00} denomination each. On XX/XX/2017 I discovered that 2 of the gift cards have XXXX balance since they were redeemed ( swiped per Incomm CSR ) on XX/XX/2017 at XXXX XXXX and XXXX XXXX at XXXX XXXX XXXX  XXXX for full amount ( {$450.00} and {$430.00} respectively ). I immediately contacted Incomm Customer Service to report the issue. I have filed a dispute with Incomm for which I got following response : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Dear Cardholder, This letter is to inform you that we have completed our investigation regarding the referenced ticket above. <P/>After reviewing your account, we have verified that your card was present during the time of the purchase ( s ). Under the Network Regulations, we do not have recovery rights to file a claim. <P/>Your dispute is no longer under review. With the denial of this dispute, we consider this matter closed. <P/><P/>They cards were ( and still are ) in my possession and no one ever had a possession of these cards other than me.
Consumer complaint received 2017-06-23
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (TX)

Synchrony Bank : XXXX XXXX XXXX XXXX. XXXX, XXXX , UT XXXX ; owns the following account Credit Cards : Walmart , Chevron , XXXX, and J.C. Penney . I am the victim of Identity Theft and Computer Hacking. The F.B.I. sent this information to all my creditors, however, Synchrony Bank is ignoring the fact that all my money is gone because their Cyber Security is inadequate when it comes to Identity Theft. My payments were either partially taken or fully taken in transmission from my financial institution to these accounts. Synchrony Bank calls me non-stop beginning at XXXX. None of the employees calling has he authority to make arrangements with me on any of these accounts. I made arrangements with the Walmart employee to pay {$25.00} a month, but now that 's not acceptable. Not only that, But on XXXX, Synchrony checked my Credit Bureaus ratings for no reason, and lowered my limits on the XXXX card, and the J.C. Penney Card, which has no balance at all in 1/2 or more. By doing this, Synchrony lowered my FICO score even more and for no reason at all. I need help in dealing with these cards, because Synchrony wo n't even take the F.B.I. 's findings good enough to stop the harassment. Also, Synchrony, continues to charge interest and late fees to these accounts.
Consumer complaint received 2017-06-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (MD)

My complaint is regarding XXXX XXXX now Navients allocation of my Student Loan Payments. In 2011, I entered into an agreement with my employer ( XXXX XXXX XXXX ) for Student Loan repayment. In total my agency agreed to pay {$30000.00} over 3 years. Each pay period my pay office automatically paid {$380.00} to my student loans for a total of {$760.00} per month. When the payment was set up, I requested that after the monthly required payment was satisfied, the balance of my payment would go to the principal balance of the loan. Navient did not allocate my payment this way, instead telling me the payments were being applied the nexts months payment. When I discovered this I called and asked Navient to correct the issues and was told they could only correct the previous two payments. This continued over the course of my student loan repayment agreement. I called multiple times and the payments were still not properly allocated. I started with a balance of $ XXXX and after 3 years of making {$760.00} a month payments, my loan balance only went down $ XXXX.
Consumer complaint received 2017-06-23
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (AL)

I have deferred my loans multiple times to see help with repayment options.
I was lied to when signing up for my repayment plan by my loan service provider. I was told that a graduated repayment plan charged me a fixed monthly amount after my first 2 years. My payments were originally XXXX for my first 2 years. I expected them to rise after my initial 2 years, and they did rise to XXXX But, what Navient neglected to tell me, was that my payments would continue to rise every 2 years until the max out around $ XXXX/month. They also did not mention that my {$26000.00} loan would approx. end up costing me {$46000.00} by the time my " repayment '' plan is complete.
<P/>
I would have never signed up for this plan had I known. I ca n't afford their schemes and lies. I am going to have to consolidate in order to gain some control over my debt and repayment.
Consumer complaint received 2017-06-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (PA)

On XXXX/XXXX/XXXX, I faxed, mailed and emailed a letter to Wells Fargo stating that XXXX XXXX XXXX no longer has my permission to  take automatic debit payments from my bank account. I notified XXXX XXXX XXXX as well. On XXXX/XXXX/XXXX, I received a letter from Wells Fargo advising me that a stop payment was placed on my account. On XXXX/XXXX/XXXX, an electronic payment was sent to XXXX XXXX XXXX. I contacted Wells Fargo and was advised my a customer service representative that the company ID matched the stop payment and that I would be credited the full amount the following moring. I asked them to close my account and open a new account to prevent any future problems. The representative helped me open the new account via phone but failed to close my original account. The representative also took it upon himself to file a claim on my behalf regarding the unauthorized payment to XXXX XXXX XXXX. I was told that this claim was denied due to the dates that I provided on the claim. I did n't give any dates what so ever as I was not even aware that a claim had been filed. To date, the account still has not been closed despite my many requests to close it. Not only was I not reimbursed for the unauthorized payment to XXXX XXXX XXXX but a second unauthorized payment went through on XXXX/XXXX/XXXX. I was charged overdraft fees for both of these transactions as well as a couple of other transactions that went through due to the account not being closed. As of today, my account has a negative balance of {$200.00} due to these unauthorized charges and fees. If the account were closed as I originally requested on XXXX/XXXX/XXXX, it would have a balance of {$0.00}. I would appreciate if was reimbursed for the unauthorized payments and my account were closed as requested. I will no longer be banking through Wells Fargo.
Consumer complaint received 2017-06-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: DISCOVER BANK (NJ)

I was applying for the Discover It Secured Credit Card online. The application was filled out at XXXX on X/XX/2017. I understood that there was going to be a hard inquiry reported against my credit. The application was for a " Secured Card '' and that they were going to be requiring a deposit which would act as my credit limit. At no time during the online application process did it mention the possibility of being declined. If there was I would have pursued other avenues in which to raise my credit score. I called there customer service center at ( XXXX ) XXXX. At this point I was told there was nothing that they could do at this time. I asked XXXX who I was transferred to where in the application process it stated that there was a possibility of being declined. The answer I received was something to the affect of, " Where did it say you were guaranteed to be approved? '' I was then told that because they were going to be reporting to the credit bureaus on a monthly basis that they had the right to require more than just a deposit. I also have emails associated with this along with the application number XXXX. I currently can not create a .pdf file but would be able to forward these.
Consumer complaint received 2016-05-10
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: Paypal Holdings, Inc (PA)

I have been a paypal user for nearly a year and was using a third party website to sell my products. Paypal told me I was wasting my time by not providing a high mark up on my items. Soon after they limited my account for selling goods purchased from the retail store. Quoted by the agent " Your Wasting Your Time ''. They now have over {$2700.00} and they have locked my account to release funds. I am filing a formal complaint to have my funds released. I no longer want to support this financial institution.
Consumer complaint received 2022-12-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I would like to request the suppression of this item from my credit report, which is the result of a fraudulent item origination and identity theft. This fraudulent item should be DELETED from appearing on my credit report pursuant to SECTION 605B OF THE FAIR CREDIT REPORTING ACT. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Transunion is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotional, physical & financially... and I would truly not what to pursue a legal remedy... I'd like the account below deleted from my file ASAP : XXXX XXXX
Consumer complaint received 2017-06-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (UT)

I applied online for the Bank of America XXXX XXXX Signature Visa and all of the benefits that come with that specific card. I was instead automatically approved for an XXXX XXXX Visa  Platinum plus card with a different annual fee and none of the benefits. Thinking this was a mistake, I applied again for the XXXX Visa Signature Card and the application went pending. I called BofA to see what was going on and they said they could approve me for the Visa Plat if i chose to. I chose not to but asked to have someone else look at my application for the Visa Signature card. He they asked if I consented to have my application reconsidered and i said yes. He then approved me for the other card, a Visa Platinum and claimed that I had never applied for the Visa Signature. I was escalated to a supervisor and she claimed my XXXX credit score and XXXX  income did not qualify me for the Visa  Signature and they decided to automatically approve me for a card that was not marketed at all on their application page. BAIT AND SWITCH. This is very deceptive. Definitely a UDAAP issue. I did some research online and there are HUNDREDS of other people who have complained about this same deceptive marketing practice. If you look at the link below, you will see advertising for ONLY the Visa Signature card and not the inferior yet still expensive Visa Platinum. There is no mention of the Platinum benefits or fees because they are inferior and nobody would apply knowing that they could be approved for the inferior card.
<P/> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I never wanted the XXXX XXXX XXXX Platinum with a {$50.00} annual fee and sub-par benefits . Nor did I apply for it. Yet somehow I was approved for TWO of  them. I closed them but do not want them reported on my Credit Report.
Consumer complaint received 2017-06-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC. (TX)

I have been having difficulties with Navient for years. They were becoming a nuisance with incessant phone calls, so I wrote them a lettter to cease and desist. They then informed me that they would refuse to contact me in any form. I NEVER said that they could not contact me via email, or postal mail. I have reason to believe that the loan has been paid in full, but I can not verify so because of Navient 's steadfast refusal to communicate with me. I have not received any correspondence stating that the loan has been paid in full, if any overages have been refunded, or if XXXX/XXXX/XXXX has been notified of the account being closed. Navient is grossly out of control in it 's customer service practices.
Consumer complaint received 2017-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

Credit card issuer - XXXX XXXX, have reported incorrect credit history for at least 2 years. I worked, by telephone with a rep. on XX/XX/XXXX to confirm inacuracies in the credit history. The results are : XXXX last numbers of account : XXXX XXXX "XX/XX/XXXX{$450.00} received '' "XX/XX/XXXX {$150.00} received '' " XX/XX/XXXX{$130.00} '' " XX/XX/XXXX {$120.00} '' " Partial by {$3.00} short '' " No payment received in XXXX '' " XX/XX/XXXX {$300.00} '' " Good '' " XXXX min. '' " No payment received in XXXX '' " No payment received XXXX '' " XX/XX/XXXX {$49.00} '' " Partial '' " Hardship program started XX/XX/XXXX '' " I can not see amount agreed program because it was charged off '' Experian gave me a copy of my credit report on XX/XX/XXXX ( Report numbeXXXX XXXX ) On this report, XXXX XXXX reported to Experian : " 30 days past due '' -XX/XX/XXXX " 30 days past due '' -XX/XX/XXXX " 60 days past due '' -XX/XX/XXXX" 30 days past due '' -XX/XX/XXXX " 60 days past due '' -XX/XX/XXXX " 120 days past due ''XX/XX/XXXX " 150 days past due '' -XX/XX/XXXX " 180 days past due '' -XX/XX/XXXX
Consumer complaint received 2017-06-22
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC (IL)

While working through the Loss Mitigation process, I was offered a sale opportunity of my property. During the process, I continued with the Loss Mitigation efforts in case the sale did n't close. At the time of closing, the payoff statement that I was given was deemed to be short and funds were held up. The short payoff was due to the loan proceeding to Foreclosure after it had been deemed complete by Quicken loans. This constitutes dual tracking. I submitted a request that all notes and a complete itemized list of all costs and fees incurred be mailed to me at my new address. This was submitted nearly 2 months ago and still has not been complied with. Please investigate this process and advise me of the outcome. My loan # with Quicken was XXXX for XXXX XXXX  The property address was XXXX XXXX XXXX XXXX XXXX IL XXXX
Consumer complaint received 2017-06-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (TX)

This is an Alert to help you manage your credit card account ending in XXXX. As you requested, we are notifying you of an online, phone or mail order charge. A charge of ( $ USD ) XXXX was authorized at XXXX XXXX XXXX ... on XX/XX/2017 XXXX XXXX EDT. Do not reply to this Alert. If you have questions, please call the number on the back of your credit card, or send a secure message from your Inbox on www.Chase.com To see all of the Alerts available to you, or to manage your Alert settings, please log on to www.Chase.com. I received 2 of these alerts that these charges had been allowed to go through. I have been compromised several times and they said I was on high alert and that unusual activity would prompt an inquiry from Chase. For example ... I called and gave them notice that I would be putting a large amount to pay my construction contractor and they put me through a rigorous security check before approval. However,,, the security seems to have lapsed for these 2 fraudulent transactions which they did not subject to scrutiny at all! I feel they were negligent and derelict in their duty especially since my account is supposed to be on some kind of high alert status.
Consumer complaint received 2019-12-23
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. (TX)

Bank assistant told me going to be Soft Inquiry. 
I got email as Hard inquiry. 
Bank assistant lie to me about this to pull my credit report as hard inquiry.
Consumer complaint received 2017-06-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: U.S. BANCORP (OH)

Account with US Ban k Visa card.I canc elled the card and paid the balance due.   After the account was canceled, they accepted a charge on the card from a high school reunion site I had visited in the past.I called and complained to US Bank, but they were no  help.The total charge was only {$15.00} ; since US Bank was no help I just paid the $  XXXX .Now they are sending me bills for late fees every month for a bill that they accepted on a cancelled credit card and that was even paid because they were no help.I have contacted the company numerous times in the past few months-with NO help from them.My cur rent bill from them says I owe {$36.00} ( due  XXXX   XXXX  ) in late  fees.HELP.This same company tried charging me on car loan that was paid off earlier this year.Please help.This is the most unethical bank I have ever dealt with, and I am not a young guy.