davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-18
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Bread Financial Holdings, Inc. (TX)

I opened a loan with XXXX Credit Card and made my 1st automatic payment from my savings account on XX/XX/2022. This payment was accepted. On XX/XX/2022 the payment was drawn but was returned. I was charged a late fee of a {$29.00}. I do not have a checking only a savings. The 1st payment from savings was accepted but the 2nd wasnt because the company request checking not savings? On XX/XX/2022 they tried to automatically withdraw the full amount of {$3700.00}. I didnt agree to this and my credit union charged me twice for the overdraft.
Consumer complaint received 2024-07-24
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: Mr. Cooper Group Inc. (MD)

The company in question is Nationstar- I am owed money, for wrongful force of making me sell my fathers home. The harrassment, the threats, wrongful force, the increase in mortgage rate, they took advantage knowing my father had XXXX and he was not in his right frame of mind I received a litigation note, stating that : XXXX XXXX, if you believe Nationstar Mortgage Llc has treated you unfairly in regards to your mortgage If i begin to talk about the unfair treatment that i got, I will be here for a while, the escrow that was there, i was entitled to, they took it i want compensation, I'm prepared to take this further, even though is was a few years back, it cause my dad to an early grave, becuase of all the stress and threats that they caused, the mortgage company amount every month, no human can live from that When I submitted my loss mitigation application, I expected a fair evaluation and prompt communication regarding available options. However, I have never received any written notice within the 30-day period as required by regulations.

We got people coming to the house taking pictures, and running away, this happens for 5 months straight, it caused my dad to enter the hospital because he was so nervous.
Consumer complaint received 2023-10-30
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO. (MI)

Earlier in XXXX I received a denial letter from JPM Credit Cards. I thought that was odd because I never applied. When I looked at my credit report, I see someone tried applying for a Chase Credit card 4 times. XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I am not sure if that means someone tried that many times, or if that is XXXX and XXXX combined. Either way, I have never applied for a credit card from Chase ( JP Morgan ). I was told by XXXX to file this report before contacting JP Morgan and XXXX. Thankfully XXXX XXXX Credit Reports show how to get in contact with XXXX and XXXX. I am hoping this will come off of my report as I have worked EXTREMELY hard on my credit.
Consumer complaint received 2024-07-12
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Unexpected or other fees — 
Company: WELLS FARGO & COMPANY (CA)

I am complaining WELLS FARGO BANK and her partner bank XXXXXXXX XXXX XXXXXXXX charged me XXXX more than the agreed fee amount. This lead to my entire transferred amount is forfeited, because I did not pay the exact XXXX. 

Sending bank : WELLS FARGO BANK , N.A . 
Receiving bank : XXXXXXXX XXXX XXXX XXXXXXXX XXXX. I needed to pay XXXX British pound sterling ( GBP, ) exact to my recipent in XXXX XXXX. 
XXXX. This amount was before any foreign tax and/or receiving bank 's fee were deducted. 
XXXX. Wells Fargo informed me the service charge was XXXX on XX/XX/2024. ( See attached XXXX. Wiring Confirmatoin and Receipt pdf file, under Other Fees XXXXXXXX XXXX XXXX  XXXX. I purchsed XXXX ( XXXX {$74.00} deducted from my bank account ) from Wells Fargo Bank to cover all the wiring cost on XX/XX/2024. 
XXXX. On the Confirmation and Recipt, it clearly stated Total for recipient 50 GBP. ( See attached Wiring Confirmatoin and Receipt pdf file ) 7. I understood recipient may receive less due to foreign tax and the receiving bank 's fee.

8. However, my recipient only received 44, before he paid any foreign tax and receiving bank 's fee. The receiving bank was XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( an intermediate bank ) charged XXXX ( See attached Intermeidate bank chage, not receiving bank pdf file ) XXXX. Wells Fargo did not properly disclose this fee and breached the agreed XXXX XXXX  service fee. 
XXXX. I filed XXXX complaints with Wells Fargo Bank and they denied for any wrong doing. ( Wells Fargo complaint number XXXX and XXXX ).
Consumer complaint received 2024-01-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to request XXXX and TransUnion remove inaccurate and outdated data from my consumer report, non working Address at XXXXXXXX XXXX XXXX XXXX FL XXXX. I recently obtained a copy of my report from your company and was concerned that several errors require your attention. Delete Fraudulent inquiries 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 request that you remove this inaccurate data from my report as soon as possible. Please make the necessary corrections to my report ASAP. 15 USC $ Permissible purpose of consumer reports 1681b. 15 u.s.c. 1681a and 15 USC 1681. 15 USC 1692 K and 15 USC 1640 Civil liability.15 U.S. Code 1681 N ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ;. ( B ) Civil liability for knowing noncompliance. Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater. 15 U.S. Code 1681n - Civil liability for willful noncompliance. 15 U.S.C. 1681o - U.S. Code - Unannotated Title 15. Commerce and Trade 1681o. Civil liability for negligent noncompliance. 15 U.S. Code 1640 - Civil liability. Please Delete false information from my consumer report immediately!
Consumer complaint received 2024-08-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Eaton Group Attorneys LLC (TX)

There was a garnishment that was submiited to the XXXX XXXX XXXX XXXX with a balance owed of # XXXX. I submitted a complaint last month that the balance was paid and received a reply that they had not received all of the funds. I get paid weekly at my last paycheck it shows that XXXX has been sent for the garnishments even if the check was delayed by a few checks I still should have paid enough to have this garnishment stopped. I have tried calling and leaving messages to no avail nobody returns my calls. I left inquiries on the website to be contacted and have not heard from anyone. I need for this garnishment to be stopped ASAP! I have paid almost {$2000.00} more that what was owed that is unacceptable. They were quick to run down to the courts to file to start garnishing they need to be that speedy to stop it.
Consumer complaint received 2024-08-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Freedom Mortgage Company (TX)

I bought this house in 1993. I should be through paying for it. XXXX XXXX never missed or been late. I paid {$600.00} this month and they held on to it until today. I XXXX been asking for my payout amount since XXXX. This is Freedom Mortgage. XXXX XXXX foisted me off on them.
Consumer complaint received 2024-01-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have contacted XXXX XXXX that my address have changed they continue to bill my old address which I wasnt able to keep up with the payments because I did not have documentation notify me that the payment was due and I was not aware that there was a balance on the account and I had asked that they send me that information so that I can continue to make payments to my knowledge this account went Past due clothes and is a negative reporting on my credit report when I found out that I had this I contacted XXXX XXXX directly and use my credit card to make a payment.
Consumer complaint received 2024-08-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Opportunity Financial, LLC (TX)

I am writing to formally address the fraudulent account opened with OPLOANS XXXX. This is my second complaint with the CFPB regarding this matter. Despite my previous complaint, the account was not removed, and no evidence was provided to prove that the account belongs to me. 

I wish to clarify the following points : 1. The OPLOANS XXXX account was opened fraudulently and is not mine. 
2. I have multiple police reports confirming that this account is not mine. 
3. No identification or information provided by OPLOANS XXXX matches my records. 
4. I have never lived at the address associated with the account. 
5. The bank account linked to this fraudulent account is not mine. 
6. I have never made any payments to OPPLOANS XXXXXXXX, nor have I confirmed any information with them. 
7. I have never spoken to anyone from OPPLOANS XXXXXXXX regarding this account. 

According to the law 15 USC 1681i All information must be validated and insured to be correct. XXXX is breaking the law. 

I request that the CFPB take immediate action to remove this fraudulent account from my records and acknowledge the multiple police reports that substantiate my claim.
Consumer complaint received 2024-07-17
Product: Vehicle loan or lease — Loan
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: Westlake Services, LLC (CA)

The day of repo was XX/XX/year> it was about XXXX XXXX  when found truck gone and I took pictures of damage done to my driveway and car I looked online to see how to find out who repo the truck it said they have to contact u with in 2 day they still haven't contacted my dad so after 2 days went by I tried emailing the XXXX XXXX XXXX XXXX to see if I could get information about what tow company or repossor they had used and told them the reason why I wanted information and I sent them pictures of damage and they have yet to give me any information on them I have tried 3 times to contact them and nothing the longer time gone by the higher the personal property storage fee is gon na be I think that's a unfair thing because I would go get my dad 's property back if I knew where to go to do so
Consumer complaint received 2024-07-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: 1st Franklin Financial Corporation (TN)

It says on my report this account was open XX/XX/year> payment status collection charge off with high balance of XXXX date close XXXX XXXX I contacted the company and told them I didn't get a loan from them and ask them could I get a copy of the paperwork they said yes I never received anything also the address they had was incorrect I ask for a dispute as well they said it was gon na be removed they never removed it
Consumer complaint received 2024-07-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Meridian Financial Services, Inc. (NJ)

Received a bill & threat of charging high amount of interest & fees until paid from XXXX XXXX XXXX XXXX. Called XXXX XXXX and asked why was this bill all of sudden sent to me and what is it for? Her response was you have to talk to Meridian Financial Services , Inc. and that she would not talk to me about the debt and hung up. I called Meridian Financial and said what is this bill about and he said you owe money and hung up. Received a letter from Meridian dated XX/XX/XXXX. I responded to the letter that I want to dispute the debt because this is not my debt sent to Meridian by certified mail and Meridian signed received on XXXX. Meridian Financial Services , Inc. reported to credit bureaus prior to XXXX even though their letter to me stated that can dispute debt by XX/XX/XXXX and will stop collection until we send you that information.
Consumer complaint received 2024-07-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Bread Financial Holdings, Inc. (NY)

On XX/XX/year> I did a PRE QUALIFICATION check for Alphaeon credit through Comenity bank. It specifically said it would not affect my credit and would not be a hard inquiry. I now have a hard inquiry on my XXXX credit report. This is impacting my credit negatively and I did not authorize this. I need this removed as soon as possible please. Thank you!
Consumer complaint received 2024-01-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I HAVE NOTICED THAT THEIR ARE UNAUTHORIZED ACCOUNTS THAT WERE OPENED USING MY NAME AND HAS IMPACTED MY CREDIT SCORE. I AM A VICTIM OF IDENTITY THEFT. THESE ARE THE FOLLOWING ACCOUNTS : XXXX  XXXX XXXX OPENED XX/XX/XXXX XXXX XXXX  XXXX OPENED XX/XX/XXXX THESE ARE FRAUDULENT ACCOUNTS THIS FOLLOWING CARD IS WITH XXXX XXXX AND I TALKED TO THEM ON THE PHONE FOR HOURS AND MULTIPLE EMPLOYEES HUNG UP ON ME WITHOUT SOLVING. 

XXXX XXXX XXXX XXXX XX/XX/XXXX I HAVE TOLD THE COMPANY THAT I USED THIS CARD TO MAKE RENT PAYMENTS BUT THE REST OF THE CHARGES WERE UNAUTHORIZED AND I HAD THE CARD STOLEN THE COMPANY DID NOT RESOLVE THE ISSUE AND NOW CONTINUES TO ADD LATE FEES TO MY REPORT AND ALSO COMPOUND INTEREST. 

THIS FOLLOWING LOAN WAS ALSO OPENED UP IN MY NAME AND THE COMPANY HAS NOT VERIFIED I AUTHORIZED THE LOAN AND NOW THEY HAVE CLOSED THE ACCOUNT BUT THE DEBT IS STILL ON MY REPORT XXXX XXXX  XXXX THE CLOSED LOAN AMOUNT IS {$77000.00}
Consumer complaint received 2024-01-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account.
Consumer complaint received 2024-07-18
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (PA)

Chase has coerced me into making purchases on my Chase Freedom Visa card by falsely describing promotions and promotion details. This card offers unlimited 1 % back, and 5 % in specific categories that rotate every 3 months. For the months of XXXX, XXXX, & XXXX, one of these categories was restaurants. I made a charge dated XX/XX/year> at XXXX XXXXXXXX XXXX  for {$27.00}. I have frequented this establishment for years, and always use a card with a cash back bonus at restaurants, and until this instance, it has always been credited at the higher rate for restaurants. This time, I only got 1 %, not the advertised 5 %. I never would have made this purchase on this card if I knew I would only get 1 %. On the same statement was another problem. On XX/XX/XXXX, I received an e-mail from Chase about additional offers that I could opt into. One was 5 % at XXXX. The same day, I called Chase and spoke to XXXX. I asked about the disclaimer that purchases only qualified if they were made " directly with the merchant '' not " third-party services. '' I pointed out that XXXX was a third party marketplace, and asked if everything was excluded. I was told that anything purchased on XXXX was included. I then pointed out the " Offer valid one time only '' exclusion. I stated that I planned to make a single checkout with two items sold by two different sellers, and wanted to know if that would count as a single purchase ( all of it eligible for the promotion ) or as two separate purchases ( only one of the items eligible for the promotion ). I was told that would could as one purchase, and the entire thing would be eligible, as long as it did not exceed the {$10.00} cash back maximum, which it did not. I only ended up getting the 5 % on {$30.00} of a {$160.00} order. When I contacted Chase, they said they would listen to the call, but in the letter they sent, they suggested that it would be unfair to other Chase customers for them to honor what they stated to me. The total owed to me between the 2 transactions is {$7.00}.
Consumer complaint received 2024-01-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Subject : Update on my {$30000.00} line of credit on my credit reports ( XXXX, TransUnion and XXXX ) I am contacting you through this letter because attempts to contact the Lender : XXXX XXXX have been unsuccessful. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX Phone : XXXX The purpose of this communication refers to the following matters : Unreported or inaccurate information on my consumer credit reports : If you review my XXXX XXXX XXXX account number XXXX, you will notice that I have a {$30000.00} line of credit, which is not being included on my Consumer Credit Report. 

a ) When reviewing my TransUnion report, I noticed that the {$30000.00} credit limit is not reported or reflected anywhere. nor the payment history of the last 24 months. 

b ) When checking the XXXX credit report, I noticed that the {$30000.00} credit limit is not reported or reflected anywhere. nor the payment history of the last 24 months. 

c ) When checking my XXXX credit report, I noticed that the {$30000.00} credit limit does not appear
Consumer complaint received 2024-05-24
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: EQUIFAX, INC. (UT)

I am writing to express my ongoing concern regarding an unresolved issue on my credit report. Despite my previous efforts to address this matter, the following account remains inaccurately reported : XXXX XXXX Account Number : XXXX
Consumer complaint received 2024-07-18
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/year>, I accidentally transferred {$870.00} via XXXX through my Wells Fargo checking account to the wrong recipient by entering the last digit of the cell number incorrectly. I realized the mistake immediately upon checking with the intended recipient and being told they had not received the payment. I then texted and left a voice mail message to the incorrect cell number alerting them to the inadvertent transfer and asking them to refund it to me, but I have received no response and the funds have not been returned to me. I also immediately notified Wells Fargo and filed a claim siting the Electronic Fund Transfers ( Regulation E ). Wells Fargo opened a claim to investigate the situation. I called Wells Fargo on XX/XX/year> and was told the claim was denied and my funds would not be refunded because I had made the mistake by incorrectly input the cell number.
Consumer complaint received 2024-01-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.
Consumer complaint received 2024-07-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

On XX/XX/XXXX I sent a check via online bill pay from Bank of America of {$25000.00} to the internal revenue service. I received A confirmation Number and was under the impression the check would be sent. XXXX year later I was told by the IRS that the check was never received and I was charged a significant penalty. When I question the bank, at first they had no idea what happened. Then they told me that the check was sent to the wrong address and the money was returned to my checking account. They said they sent me a notice which I never received. I contacted them on XX/XX/XXXX of XXXX about this. They sent me the notice that they apparently sent me which was dated XX/XX/XXXX. This makes no sense sense I did not make the complaint until 11 days later. When I asked them for the return check, they said it was destroyed. When I asked them for the process of how they came about investigating, they would not provide it. I am now being charged over {$2500.00} in penalties which they will not compensate me for. When I ask him what I did wrong and how I can correct this in the future, they said they don't recommend using online bill pay and that whenever I customer uses that service they are using it at their own risk. I was supposed to get a return phone call yesterday, it never occurred. Many of the customer service agents I spoke to were ill informed about Company processes and many were also very customer unfriendly. Not sure why they destroyed the check since that was evidence. And there is not any evidence that money was ever removed from my account and then replaced back. I do have a confirmation number that the check was processed.