davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: BSI Financial Holdings, Inc. (NC)

Called today to schedule a payment in the amount of {$830.00}. This amount was given to me by a previous representative on a previous call. The agent that answered the phone was XXXX, pronounced ( XXXX ). I told her I wanted to schedule a payment, I gave her the date and the amount. I asked her to confirm that amount, that it was the remaining amount owed. I do this because BSI representatives are notorious for giving false info and I want to make sure its correct. Through the course of the phone call she confirmed to me XXXX different amounts. After I asked for confirmation the amount {$830.00} was correct, she gave me an amount of {$850.00} and some change. I asked her how she came up with that amount, she couldnt give a reason. Then she changed back to agreeing with {$830.00} without giving a reason why. I told her I wasnt confident that she was giving me a correct amount with no explaination. While driving down the road my husband did math on his phone and got the amount {$850.00}, which she also agreed with and confirmed. But then a few seconds later confirmed the {$830.00} amount again. I told her I didnt feel confident in her mathmatical skills since shes confirmed XXXX amounts at this point. I asked if she could ask for help or talk to a manager just so I know Im getting the correct amount. She declined me a manager stating that no one was available. I asked to speak to XXXX, who helped me last time a XXXX entered my bank account info incorrectly. I got XXXX voicemail. I hung up and called back and confirmed with another XXXX that the amount {$830.00} was correct. Then XXXX called back and she also confirmed too. But the whole point of this complaint is to acknowledge that if I hadnt questioned I would be paying the wrong amount, I would be paying {$850.00} and some change that XXXX gave me. This call was XXXX minutes long just to confirm an amount and make a payment.
Consumer complaint received 2023-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

This is my multiple attempts to inform you that I am a victim of identity theft and that I wish to dispute some records in my file that were obtained illegally. The documents I'm looking at don't have anything to do with me or my authority acquiring ownership of any goods, services, or money. Block the notoriety of any material in my credit report that resulted from a claimed scam or extortion, assuming no one cared either way. 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 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
Consumer complaint received 2024-07-26
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Foris DAX, Inc. (NJ)

I was scammed, the scammers were impersonating another company called XXXX. I was under the impression I was being hired to work for the company and would be processing reviews for restaurants. When I had to input my own funds on to the workbench, I applied for a loan and was approved by the bank. However, there wasn't much information or due diligence that was done by the bank to ask what the loan was for, to perhaps warn or give information on fraud or scammers of doing this type of scamming. When I spoke to a few other banks, I was told that this has been happening often and the banks have been warned of what the scammers are doing to try to obtain people 's funds. I was approved for the loan by the bank and the funds were deposited into my account. Shortly after receiving the funds, the funds were immediately taken out of my account and wired to a fraudulent account, which I was told was going to go to my workbench to do the reviews for the restaurant and then was told I would receive my funds back immediately. This did not happen, and my funds were gone and money was never recovered. Since this has happened, I no longer have the funds to pay the loan right back as planned too, after I was told by the company, how the process works. I have attached screen shots of the money being deposited in the account and quickly leaving and depleting my account. I am a schoolteacher, so I don't work during the summer and I don't make much money as it is, especially with the rising costs of inflation. I am not able to make this loan payment ( s ) because I was not intending to not receive my money back that was placed on the workbench from what the company that hired me stated they would be doing. My credit is be effected in a negative way because of this and I am unable to make these payments. You can also see some conversations between myself and the company that impersonated themselves as the XXXX company.
Consumer complaint received 2024-07-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (NV)

omplaint against Wells Fargo XXXX was XXXX  from my account after my phone was stolen. The claim was denied because " Either myself or someone I know made the transaction and per my phone call with them on XX/XX/XXXX it " had to be you sir because they used XXXX. '' I am writing in response to a denial of a claim submitted because of online fraud for my 2 accounts with Wells Fargo. Enclosed is all the account information. On XX/XX/year> my phone was stolen, I was pickpocketed. The person who stole my phone was able to access all of my financial information which included Wells Fargo. They were able to charge XXXX to XXXX XXXX, XXXX to pay my XXXX card so they would have more available credit, and XXXX was charged as an ACH payment to XXXXXXXX. I called Wells Fargo immediately and filed a claim for those transactions. I asked the gentlemen from Wells Fargo if I needed to close my accounts and he said Well I dont see any other evidence of fraud so I will just cancel your ATM card and send you new ones. He said I did not need to cancel or close the accounts. That same night is when the XXXX transactions occurred in the amount of XXXX. If my account was closed when I first called they wouldnt have been able to access my checking account. 

I suggest you look at the original transactions on XX/XX/year>. The account says XX/XX/year> and that is not when it happened. I called Wells Fargo at approx. XXXX to XXXX with fraudulent activity of XXXX of XXXX XXXX and XXXX to XXXX which was found to be fraudulent activity. The XXXX transactions occurred hours later. Once again if it was closed at XXXX then they would have closed the account then the XXXX XXXX would have never happened Your explanation letter from a previous complaint states that they used online access and its my responsibility to protect my identity but when I called? I was told it accessed using XXXX ( XXXX XXXX. I suggest you listen to the tapes of my calls
Consumer complaint received 2024-04-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-07-23
Product: Credit 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 (NC)

Submitted a claim with my Wells Fargo credit card against merchant XXXX XXXX XXXX on XX/XX/XXXX for {$4800.00}. Went through the procedure according to their process and all was well up until XX/XX/XXXX when I responded to WF with additional information to which I was told the claim ( claim # : XXXX ) would be notated and someone would be in contact with me. I never received a call but received documentation in the mail XXXX, dated XX/XX/XXXX, that my claim had been denied because WF could not find where XXXX was in breach of contract based on the documentation XXXX had provided even though the contract XXXX had provided was not the contract I had signed and differed in multiple ways from the contract I had signed and provided to WF when I submitted my claim on XX/XX/XXXX. Since XXXX I have been calling into WF 's claims department to speak with someone to understand why the additional information I provided to them detailing the differences between contracts as well as additional information that supports my claim that XXXX is in fact in breach of contract and provided fraudulent documentation to WF was not reviewed and why I never received a call back to discuss. Each time I have called I have been told that the claim has been notated and I would receive a call back, usually within 10 business days, to which I have not. WF states the claim can not be reopened with Visa because we are past the 30 day window to respond, however my calls on XX/XX/XXXX, XXXX and XXXX were within that 30 day window and had WF contacted me like they said they would then WF would have been able to respond to XXXXXXXX XXXX counterclaim. WF mishandled my claim and their responsibility to call me back which I have been told by several of their own representatives in my attempts to speak with them to resolve the issue. I have a detailed timeline of my attempts to speak with WF, notes of the conversations, and phone records to back up this timeline and proof I never received a call back from WF. Every attempt I have made to get clarification from WF as to why I never received a call back, proof they tried to contact me to discuss the questions I have, and if my claim was handled properly has resulted in the same outcome-I am told it is not their responsibility to give me a call back to discuss questions I have and their mail correspondence answered my questions ( it did not, hence why I continued to call in ), they will not verify whether or not I received a call from them prior to XX/XX/XXXX when I escalated my claim to WF 's Executive Office , nor will they confirm my claim was handled properly and all information provided to them reviewed. I firmly believe that WF mishandled my claim and have continued to " bully '' me in an attempt for me to give up and let the situation go.
Consumer complaint received 2024-07-20
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP (GA)

Tried to activate a gift card I received from a friend. I proceeded to : XXXX. Got an error message it can not be processed. Tried to call customer service # XXXX on the back of the gift card. The rep asked which state the card was purchased. I said I do not know since this was a gift card received from a friend who travels. She said she is unable to help me activate the card since I do not know which state the purchaser bought the gift card. I explained that it was a gift received and that I didn't purchase the gift card so I do not have this information. She reiterated that she couldn't help me. I called the number to get another agent who then asked me to go to the website above and fill out some info for users that are unbale to use card because the card was flagged for fraud. I tried to fill out the info with name, address etc but the site was not processing. He kept insisting I need to upload my drivers license or photo id to get a replacement card and the site will not let me upload any documents so he asked me to fax. I just want a new card or for the current card to be activated so I can use in store or online.
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

My account with Equifax was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Equifax Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports
Consumer complaint received 2024-07-31
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Longbridge Financial, LLC (FL)

We have been the recipients of spam and scam letters from the reverse mortgage department of our servicer, Longbridge Financial in XXXX, MI, accusing us of not paying taxes and condo dues and threatening us with foreclosure action. We have asked why. 

On XXXX, we received a letter on plain stationery, not letterhead, from XXXX XXXX XXXXXXXX stating it is the new owner but Longbridge still does the servicing. XXXX XXXX did not list an address but rather a XXXX XXXX XXXX which is another red flag right there. 

On XXXX, we received a letter on Longbridge stationery saying our reverse loan No. XXXX had been assigned to the Default Assistance Department but did not give a reason. We are not in default on anything. 

On XXXX, we received a letter on Longbridge stationery demanding that we send them {$890.00} to repay them for having " advanced '' this sum to pay for our property taxes, condo dues and property insurance. We owe them nothing because we have always directly paid these required fees on time. They threatened foreclosure action if we did not send them this money. 

Also on XXXX, we received from the prolific reverse mortgage department an annual occupancy certificate, threateningly labeled " Important : 1st Notice. '' This was a legitimate request and we returned it confirming our occupancy. 

Longbridge supplies a variety of phone numbers with the XXXX area code but none, in our experience, were answered by human beings except for one which turned to be in the XXXX, and the man who picked up wanted personal financial information which of course we refused to supply. 

Longbridge 's HQ is in New York and its site also lists a phone number unanswered by a human being.
Consumer complaint received 2024-07-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: GOLDMAN SACHS BANK USA (NC)

Charge for {$490.00} from a XXXX XXXX  company. My XXXX is absolutely fine. Looking online this company is accused of fradulent charges being made. ( XXXX XXXX XXXX  ) Submitted dispute to Goldman sachs about 5 times with rejections on each attempt. No proof of legit charges ever been shown to me. Need this off my report. Over 40 years of unblemished payments and such. Please provide me with whatever info is being used to prove this charge is mine.
Consumer complaint received 2024-08-07
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: KAHRS LAW OFFICES, PA (TX)

I dont know who this is but this person is calling all my family members making threats and then left a voicemails taking crazy and making threats to come to my home and insulting me. This is the voicemail in text below : XXXX XXXX XXXX female if this is not you you want to disregard the phone call because it does contain very personal and private information this is XXXX XXXX I'm calling you once again letting you know that you were given an opportunity to call the office handling your claim for whatever reason you're deciding to not do so please no ma'am and understand that the matter is only going to escalate to additional levels whether I serve you or not I don't have any time for games you're XXXX XXXX XXXX hanging up the phone is not gon na make this matter go when you were normally make it resolved so what I do suggest you do is get into contact with the office or be present at the residence when I do arrive to XXXX or XXXX to deliver you your documents is not gon na go anywhere so the smart thing what to do was either validate if your home to receive them or get us a contact with the office regarding this matter and once again this is for XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX this is going to be the final attempt of me getting it direct contact with you I don't have time to play
Consumer complaint received 2024-08-07
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Source Receivables Management LLC (CO)

I rented an apartment 3 years go. I left the rental company and contacted the management company and paid all the debts they required of me. I have proof of all email correspondence as well as the payments that I submitted. I was never reached out to from the rental company until I was called multiple times from a number I did not recogonize. It wasn't until I started looking for homes and checked my credit score that I found they had put something up for collections.

I successfully disputed the claims for the collections of payment with that collections agency and the claim on my credit score was taken off.

The rental company has then gone to a separate collections agency and has placed another claim on my credit score. I've reached out multiple times to the collections agency and they have no responded. I've called, emailed, and left a review on XXXX. I then sent an email to what they had given me and I have not received any information. 

I've disputed the claim again on XXXX and XXXX. It's been 30 days and they have not responded to the dispute. 

This has affected my ability to purchase a car as well as apply for apartments with my recent completion of an international relocation. 

The rental properly is Retreat at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX. The management company is XXXX XXXX XXXX XXXX XXXX XXXX XXXX is Source Receivables Management, XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-06
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Chime Financial Inc (CA)

My account details became exposed leading to funds being stolen from my Chime account. On XX/XX/year> money was sent from an undisclosed location from my account detailing a total amount of XXXX $ sent to a XXXX XXXX In New York XXXX the reason for transaction was only written as a symbol. I was very confused and attempted to regain control of my account the same day, changing my password and phonr number which had also been changed by an unknown party preventing me from accessing the account. The protections department was instrumental in reclaiming my account. My problems begin with Chime 's disputes department where i described the transfer, usimg chime 's pay anyone feature, which does not have any way to refund the amount transfered when it is sent to another chime member, and they promptly asked me support questions and for any documents before filing the dispute for investigation. On XX/XX/year> the dispute was resolved and treated as solved, although i never was refunded, nor did i have my funds replaced through any kind of loss compensation or insurance. Currently my appeal to reopen the dispute has been pending since i submitted it on Saturday, XX/XX/year>. I will request a new debit card and cancel my current one on XX/XX/year>.
Consumer complaint received 2024-08-06
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Fundo LLC (FL)

I entered into a loan contract With Fundo LLC XX/XX/XXXX this was a loan for my business obtained on line I was not full aware of all the terms and conditions also I was not aware that they could put a lien on my business. I feel behind but eventually paid them roughly XXXX dollars for. A loan that was not even XXXX dollars. They sent me a email saying I was paid in full. I sent them an Affidavit notice of recession to rescind the contract because to start wit it was an Unconscionable contract. I sent the Affidavit on XX/XX/XXXX with no response
Consumer complaint received 2024-08-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: U.S. BANCORP (NC)

Goes back to XX/XX/year>. Regarding adding my name to my mothers checking account via POA. I mailed, asUS Bank would not take a fax, like other financial institutions. I mailed the POA and three firms of identification on XX/XX/year> to their XXXX XXXX XXXX in XXXX XXXX, MN. 
By mail, I received a Signer Authorization, from XXXX XXXX, XXXX XXXX XXXX, and was told this could be faxed to them. I did this on XX/XX/year>. A week later I received a call interviewing me, by the bank, asking for my SSN, etc. I heard nothing since then and have been trying to reach back to XXXX, leaving many messages. In the meantime, I am unable to pay my XXXX XXXX XXXX mothers bills. Case # XXXX associated with this are XXXX and XXXX. Through another XXXX, on line assistance was able to send emails to people at XXXX XXXX. I received a call yesterday, XX/XX/XXXX, showing they received the XXXX and Signer Authorization and that a document was mailed out that needed my signature. I spoke to XXXX XXXX, they were not allowed to give last names. I received a call today, XX/XX/XXXX, that the documents I needed to sign were sent to address on record. So not my address, to my mother in another state. I said this was not acceptable and asked for XXXX XXXX. Was told they didnt have anyone in that capacity, too bad for me. I am being prevented from paying my mothers bills, and the XXXX XXXX XXXX does not care and will not help. They have my legal documents and and will not send the other documents to my address that need to be signed. This is beyond compliant.