davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (AZ)

**FRAUD** : {$2000.00} stolen from my checking account. 

I received a phone call from XXXX on XX/XX/XXXX which showed up as Wells Fargo on my phone. This number is their claims department number. The person claimed to be with the " Wells Fargo Fraud Department. '' They proceeded to read off previous transactions that were made by me along with other transactions I didn't authorize. Because of this, I believed I was speaking with Wells Fargo, and it was clear they had access to my account. The phone number and account charges they mentioned matched my records. 

They instructed me not to log in to my online banking during the call. During this time, while they were accessing my account, they increased my debit card transaction limits, which Wells Fargo later admitted they couldn't do without access to their systems. They somehow transferred the total amount of {$2000.00} from my account through " XXXX XXXX '' and then hung up the call. Once I realized my money was gone, I immediately called XXXX and the Wells Fargo Fraud Department. During this phone call, Wells Fargo admitted the fraud and stated that the perpetrators accessed my account and had access to their systems. My case was then escalated, and I was told to wait. 

Initially, Wells Fargo credited a {$2000.00} provisional credit to my account, but they later reversed this credit and have since closed the case. They claimed that because the money was transferred from my account through " XXXX XXXX, '' they are not liable. This is unacceptable, as my account was compromised through their systems, and it was their phone number that called me.
Consumer complaint received 2024-06-19
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Fees charged for closing account
Company: INSPERITY INC (TX)

I'm trying to roll over a XXXX from Insperity and they will not do an ACH or direct transfer of equities. I am being charged {$50.00} for the rollover, which seems excessive. They will only mail me an physical check in 7-10 days. I asked about ways to speed this up, since that is significant time for my money to be uninvested and in transit. They can expedite it for {$50.00}, but it is still a 3 day process. I spoke with them twice on XX/XX/year>. I asked to file a complaint regarding the matter and they gave me an email address.
Consumer complaint received 2024-05-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: Fay Servicing, LLC (PA)

Mortgage servicing company Fay Servicing stole {$4000.00} of my money that I wired to them in order to reinstate my mortgage at XXXX XXXX XXXX XXXX XXXX pa XXXX the property is still up for auction and they have not produced a received receipt for my wire. 

I have been working with this company for XXXX  years now and it has really effected my life in so many ways. 

please if someone can help me with reporting them and help with keeping my house from being foreclosed
Consumer complaint received 2024-05-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MA)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, Experian, and XXXX.
Consumer complaint received 2019-02-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

My mortgage servicing company is reporting that I have not made a payment on my mortgage since 2017. I have been making my payments to them. I tried calling and writing them to correct this but it's still remains the same.
Consumer complaint received 2024-05-03
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc. (NJ)

According to FCRA XXXX, we are obligated to eliminate any erroneous accounts from my credit report. Could you please review the documents? Several of the listed accounts are inaccurately reported. I am entitled to {$1000.00} for each incorrectly reported item on my credit file.
Consumer complaint received 2024-05-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NJ)

Ensuring timely payments on this account has been a priority for me, ensuring they're never overdue. I'm unclear about the reasons behind the reports of late payment remarks on my accounts. As per 15 USC 1666b, billing errors should be corrected.
Consumer complaint received 2023-08-10
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (WA)

Received initial contact from COLUMBIA DEBT RECOVERY XXXX DBA GENESIS on XX/XX/2023 via email stating I had a past due balance of {$5900.00} with included interest of {$92.00} that was originally placed for collections on XX/XX/2023. Initial email received on XX/XX/2023 did not contain my rights to dispute within 30 days of receiving this email so I sent a reply to this email, along with the email on their page with a Debt Validation Letter the next day on XX/XX/2023, and today on XX/XX/2023. Their website does not allow me to update contact information or my address as it always fails to apply, this has happened on XXXX different web browser on XXXX different devices. Furthermore, they do not respond to my emails about contact information submissions and I can never get in contact with them. I have requested additional information to be sent to me to my address and also to my emails. I have not heard back from the company. Their website also refuses me with submitting disputes regarding the account balance. To summarize, I can't dispute through my preferred method of contact, I can't get in contact whatsoever, I haven't received an informal, written letter stating my rights in my hand and they haven't responded to my Debt Validation Letter submissions.
Consumer complaint received 2023-06-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Months ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct or repair the following items : 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 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 XXXXXXXX XX/XX/2021
Consumer complaint received 2024-03-03
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: American Collections Enterprise, Inc. (VA)

RE : Dispute of Derogatory Marks of Collection Accounts on Credit Report on XXXX XXXX I request to dispute the accuracy of information reported on my credit report. Specifically, I am challenging the collection accounts listed by AMERICAN COLLECTIONS ENTERPRISE , INC. ( ACHI ), related to charges from XXXX XXXX XXXX XXXX. Details are listed below. 

Details of Collections Collector : XXXX XXXX XXXX XXXX XXXX ( XXXX ) Account Opened : XX/XX/2018 Amount Due : {$410.00} {$1300.00} These charges stem from an involuntary hospitalization, a result of a welfare check, conducted by the XXXX XXXX Police Department ( XXXX ) in Virginia due to a severe mental health crisis. At that time, I was a full-time student, and insured through XXXX. However, XXXX didn't cover the costs associated with the hospital services provided. I was under severe mental distress, as documented, and was not in a position to consent to any XXXX XXXX provided. 

I believe that these circumstances free me of direct financial responsibility for these charges considering I was under custody of the FCPD and was involuntarily admitted to the hospital. 

Currently, I find myself facing significant financial and emotional distress due to the resultant derogatory marks on my credit report. 

I request a thorough investigation into these entries and, based on the unique circumstances outlined above, their removal from my credit report. 

Please let me know if you have any questions.
Consumer complaint received 2024-05-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I sent a Cease and Desist letter to the creditor. They ignored my request, this account is still being communicated on my credit file. I also received a letter from the creditor on dated XX/XX/year>.
Consumer complaint received 2024-08-20
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: Experian Information Solutions Inc. (FL)

I hope this message finds you well. I am writing to formally dispute several unauthorized hard inquiries on my credit report that I believe are a result of identity theft. As a responsible consumer, I monitor my credit regularly, and upon reviewing my recent credit report, I noticed inquiries that I did not authorize or initiate. 
I did not apply for any credit and believe these inquiries were made without my consent, indicating that someone may have fraudulently used my personal information. 
I add submitted a report.
Consumer complaint received 2019-04-12
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: TD BANK US HOLDING COMPANY (OH)

I called the customer service department requesting that my account be closed they refuse to close my account saying that I had to send them my driver 's license or social security card and a letter with my address on it I told them that at the time I applied for the credit card I gave them my driver 's license which had my picture it had my current address on it and it had my driver 's license number on it I asked them to close the account they refused to do so
Consumer complaint received 2024-06-03
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc. (NC)

According to FCRA 605B, we are obligated to eliminate any erroneous accounts from my credit report. Could you please review the documents? Several of the listed accounts are inaccurately reported. I am entitled to {$1000.00} for each incorrectly reported item on my credit file.
Consumer complaint received 2024-06-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This complaint involves several issues with my credit report. 

First, the information on my report showed an account as being in collections, which it never was. When I requested a correction, instead of correcting the error, the credit bureau deleted the account entirely. Then, a week later, they re-added the account to my report and reset the dates, making it appear as if the collection status was recent. 

To address this issue, I sent a signed notarized affidavit and a police report indicating that the information was incorrect and that the account was never in collections. Despite providing this documentation, the credit bureau has failed to resolve the issue and continues to inaccurately report the account.
Consumer complaint received 2020-06-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

XXXX I opened USAA credit card that ended as CANCELLATION OF DEBT see attatched XXXX XX/XX/XXXX. This secure data was used to open accounts I did not authorize. XXXX USAA CREDIT CARD POLICIES HAVE CHANGED SINCE XXXX WITH NO NOTICE SENT TO MY HOME ADDRESS. ) Disabled Members are NOT PROVIDED POLICY CHANGES. My home address is only contact on my profile of 37 years. USAA HOLDS ME LIABLE FOR THIS DEBT ALSO DESTROYING MY CREDIT SINCE XXXX. This is the only account I opened with usaa.
Consumer complaint received 2024-06-19
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: JPMORGAN CHASE & CO. (CO)

Please see prior complaint ID XXXX, submitted on XX/XX/year> for additional details and history, and XXXX response XXXX Please see prior attachments with that complaint. 

On XX/XX/year> I initiated a wire transfer for {$25000.00} from my personal XXXX  account to my personal XXXX XXXX account in XXXX XXXX XXXX, XXXX. The funds were wired first to XXXX ( domestic bank intermediary ) but never arrived at my account in XXXX. XXXX partners with JP Morgan Chase to provide the wiring services. The funds remain missing. I have numerous emails from XXXX support team advising that I contact XXXX to return the funds. XXXX refused to do so. I subsequently filed a complaint with the CFPB ( see complaint ID above ) and XXXX responded on XX/XX/XXXX, and claimed they returned the missing funds to JP Morgan Chase on XX/XX/XXXX. They recommended I contact JP Morgan Chase to retrieve the funds. I met with a JP Morgan Chase banker in XXXX, XXXX  on XX/XX/year>. I was informed that only XXXX XXXX who originated the wire transfer and partners with JP Morgan Chase for wire transfer services ) can retrieve the funds. I contacted XXXX by email on XX/XX/XXXX requesting them to retrieve the funds, and they responded on XX/XX/XXXX that they can not retrieve the funds, and there is " nothing they can do from our end ''. They advised that I should work with the recipient bank ( JP Morgan Chase ) in having the funds recovered, but also suggested that JP Morgan Chase would have returned the funds to my XXXX  account if truly received from XXXX ( implying XXXX was dishonest in their response to CFPB ). My complaint relates to all parties involved, who have participated in the transfer of funds, and have been unhelpful at locating and returning the funds : XXXX, JP Morgan Chase, and XXXX. However, it is likely that JP Morgan Chase now holds the funds, and I need them to return the money to me, either through XXXX, or by any other mechanism. None of the parties will assume responsibility or take any action to recover my missing money, and I am again " stuck '' between several of the big banks.
Consumer complaint received 2024-05-03
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: Experian Information Solutions Inc. (FL)

NOTICE TO AGENT IS NOTICE TO PRINCIPLE NOTICE PRINCIPLE IS NOTICE TO AGENT I am writing to inform you of my dispute regarding the account listed on my credit report maintained by XXXX. I assert that XXXX is subject to the arbitration agreement as stated on your company 's website, as well as the arbitration procedures provided by XXXX. 
I am fully aware of the financial implications associated with initiating arbitration proceedings, and I am extending you one opportunity to resolve this matter amicably. My settlement demand is as follows : Payment of {$6000.00} to compensate for the mental distress, XXXX, emotional distress, and financial hardship that your actions have caused me. 
Deletion of the trade-in entry from all credit reporting agencies where it is currently listed.

I want to emphasize that the costs associated with initiating arbitration proceedings, including filing fees, arbitration initiation fees, arbitration deposits, and any legal costs incurred throughout the arbitration process, will be significant. As per the arbitration procedures outlined on the XXXX website, you will be responsible for covering these costs, which could amount to tens of thousands of dollars. 
Failure to comply with my demands will result in the initiation of arbitration proceedings. I want to remind you that your continued collection activities may constitute a violation of the Fair Debt Collection Practices Act ( 15 USC 1692c ( c ) ), which prohibits communication through mediums other than mail upon request. 
I expect a prompt response within XXXX  DAYS, confirming your acceptance of my settlement terms and detailing the steps you will take to comply. If I do not receive a satisfactory response within this timeframe, I will proceed with arbitration without further notice.

Please send all correspondence related to this matter to the address listed above.
Consumer complaint received 2024-05-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NC)

I was a victim of XXXX XXXX and I am currently in distress and suffering from XXXX because of this. I am seeking help on my situation where my credit report reflects an outstanding debt that I know was caused by fraud. I have no idea how the XXXX took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of XXXX XXXX. I am writing to request that you block the following Incorrect information from my credit report.
Consumer complaint received 2024-05-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

I've learned that the creditor didn't provide the necessary XXXX-day notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.
Consumer complaint received 2024-02-21
Product: Student loan — Private student loan
Issue: Getting a loan — Confusing or misleading advertising
Company: Ascent Holding Co (TX)

Ascent basically acts like it is a charity, offering what it markets as amazing loans for college students and people attending coding bootcamps. The reality is that they charge exorbitant interest and use shady tactics to market themselves as doing some essential service for customers. As part of their scheme, they created something called the XXXX XXXX, which enables people to filter and search to find a bootcamp school that matches their specific needs. Users of the tool can filter by things like their specific program, online or in-person, program length or zip code. The website states that Ascent partners with some of the schools ( meaning offers their high interest loans at them ), and where that is the case the bootcamp will be identified as such ( see attached disclaimer and example ). XXXX 's FAQs say that " not every school included in this XXXX XXXX is affiliated with Ascent ''. I was skeptical, so I tested this- I filtered by Schedule>Any ( to include both full-time and part-time programs ), and having clicked " show more '' probably XXXX times, I've reached the end of the list of possible bootcamp programs. In a list that shows XXXX results, Ascent 's XXXX XXXX lists only 8 total that don't show the " Payment option available through Ascent '' disclaimer - Hack XXXXXXXX XXXX XXXX in XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Since I filtered to include full-time and part-time programs, this list should in theory be the full list of possible bootcamps within the finder, which means that only .04 % of the schools included are not affiliated with Ascent. Thankfully I didn't fall for their scheme, and instead got a loan from XXXX XXXX  to attend the bootcamp I wanted, XXXX XXXX XXXX XXXX ( which wasn't listed in the XXXX XXXX results, I'm guessing because Ascent doesn't offer their high interest loans there! )
Consumer complaint received 2024-06-30
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc. (OK)

We signed up for Square merchant services and checking earlier in the week. Processed our first clients payment without issue for {$200.00}. Switched over a second client from XXXX, processed their payment after job, I paid laborers for the day out of pocket. 

Within 2-3 hours I receive an email saying that they " suspect fraud '' and the funds are being held. I completed the questionnaire, and promptly called my client. She said that there's no issue on her end and even shared a screenshot from their business banking showing the transaction as approved. 

I told the Square representative this over the phone and was told to wait for an email. I received an email today stating the funds will be held for 3 months and my account is closed. Now I'm out {$400.00}, and can't pay to work Monday. Really messed up my business, and upon XXXX  I found tons of other small businesses facing the same issues when dealing with Square.
Consumer complaint received 2022-12-06
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. (CA)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.