davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-09
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: SYNCHRONY FINANCIAL (NJ)

I purchased hearing XXXX from sams club and they are telling me that a check for {$1000.00} was not received by Synchron.I then went to my bank and obtained a copy of the check in question the front of the check and the back of the check and it states the check cleared.I have sent Synchrony all the information many times.I also sent the information certified and regular mail on several occasions.After they decide to credit my account the {$1000.00} then they will owe me $ XXXX believe that all this confusion happened because synchrony bank XXXX XXXX XXXX credit which I sent certified mail [ XXXX pages ] all the checks to [ front and back ] and they all cleared. I received no response from XXXX and multiple responses from synchrony bank.
Consumer complaint received 2024-05-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (OH)

There were 7 transactions on my account that I did not make and as soon as I noticed I called Wells Fargo and immediately opened a dispute for the following transactions. 
XXXX {$4600.00} XXXX XXXX {$20.00} XXXX XXXX {$1000.00} XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX {$1000.00} XXXX XXXX Those were the 7 transactions that I filed a dispute with Wells Fargo on XX/XX/year>. Was told they would do an investigation on the transactions. Ive never use neither of those merchants before and dont have accounts with neither merchants. Wells fargo called me 2 days later on XX/XX/XXXX claiming that they were done with the investigation and said that there were no fraud indications. I asked them how did they come up with that so fast and could I have proof on the investigation and the lady on the phone was very mean and unprofessional and couldnt give me either. This is totaling almost {$10000.00} so I am really freaking out right now
Consumer complaint received 2023-12-02
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: BARCLAYS BANK DELAWARE (VA)

The company has not sent me a copy of the contract stating this account belongs to me. They have also added information to my credit file advising charge off being current since 2017. This has damaged my credit history and I need information to pursue the correct information legally. I have contacted them on many occasions and haven't got any information I need.
Consumer complaint received 2023-02-14
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: Experian Information Solutions Inc. (GA)

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
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 2023-12-08
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Confusing or missing disclosures — 
Company: JPMORGAN CHASE & CO. (CA)

Chase Bank - Issued a Cashier 's Check the date on the check is XX/XX/XXXX with " Void after 7 years '' printed right next to date. On XX/XX/XXXX ( within 7 years ) electronically deposited check and is was returned with the reason " Stall Dated. '' Went to Chase Bank to resolve issue and have Cashier 's Check reissued. They advised they follow California Regulations and after 3 years send to the State of California Unclaimed properties. Band provided that State of California Unclaimed properties phone number. Bank lied monies have not been sent to State of California when I called and went on CA Unclaimed website and my monies are not there. Bank has failed to in accordance to CA regulations sent me any notification monies need to be claimed or will be deposited with the State of California. 
Chase Banks explanation on " Void after 7 years '' printed on Cashier 's Check is Chase Headquarters is in Ohio and that is the template they use. This makes no sense.
Consumer complaint received 2023-05-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY (NV)

There was fraud that happened within my checking account with Wells Fargo XXXX through XXXX of XXXX. I had called imidietly when I noticed transactions so that the bank could freeze my account or create a new account plain out just help me out with what was happening. 

There were several XXXX transactions as well as some checks that had been deposited and bounced for an estamated total of {$13000.00}. 
I did manage to have a representative open a new account and try to secure my account from all the fraud that was happening. But it wasn't until the second time that I called to do a follow-up that this happened. 

The original first time I called to report the transactions the representative told me I am creating a new account for you right now gave me a number to save as my account number and when I called for updates and gave the second representative the account number that number didn't exist for me. At this point the second representative did help set me up with a new account and took all my statement over and basically start from XXXX to complie all the information required for the claim. 

I made it my mission to stay updated with what was happening with my account by calling in at least once a week. 
When I called Wells Fargo about the transaction there was an active case that I would call to inquire more information about at least once a week since the transactions. The last I spoke with a Wells Fargo representative was in XXXX of XXXX that someone would get ahold of me to discuss things further and I didn't have to keep on calling them every week. I still haven't heard anything from Wells Fargo to this day XX/XX/XXXX. 
At the time this all was going on I was going through some major medical situation and having this {$13000.00} vanish before my eyes just like that didn't help at all. That money was all that I had and the individual ( s ) that omited this fraudulent activity to my account got away with all of it and Wells Fargo did nothing even after having all the authentication setup never did I one get an alert that all of this movement was happening with my account.
Consumer complaint received 2023-12-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

I am writing to DEMAND removal of 1.DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX from my report. this is a violation of 15 usc 1681 ( a ) 4 and my right to privacy.

I will be forced to notify the CFPB & the FTC of violations of both my rights as a consumer and your obligations as a consumer reporting agency. I require XXXX XXXX dollars and no cents ( {$1000.00} ) per day if this reporting continues. 15 usc 1681a ( 2 ) a ( i ) clearly states transactions are to be excluded from the report. I would like all further reports to reflect this. I have no contract with XXXX, EXPERIAN, XXXX, any sharing of my private information, my non public personal information, my financial information, medical information is a violation of not only the FCRA but also HIPPA, GLBA.
Consumer complaint received 2024-05-02
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Westlake Services, LLC (TX)

( XXXX ) XX/XX/XXXX There was a fraudulent account opened and was charged off with a balance of XXXX. 
( XXXX XXXX XXXX ) XX/XX/XXXX another fraudulent account with a balance of {$1200.00} ( XXXX XXXX ) XX/XX/XXXX another fraudulent account with a balance of XXXX ( XXXX XXXX ) XX/XX/XXXX another fraudulent account with a balance of {$500.00} ( Westlake Financial SVCS ) XX/XX/XXXX another fraudulent account with a balance of XXXX This is ridiculous my identity has been compromised. There also inquiries and addresses on my credit report that shouldnt be! 
I've reached out to all the Credit bureaus by phone, mail several dispute letters Certified mail, provided documentation and nothing has been done!
Consumer complaint received 2023-02-26
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)

In accordance with the Fair Credit Reporting Act XXXX XXXX  Account # XXXX and XXXX XXXX have violated my rights. 15 USC 1681 section 602 A. States I have the right to privacy. 15 USC 1681 section 602 A section 2 : Also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B : a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Consumer complaint received 2023-12-08
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC (AZ)

Transworld called in XX/XX/2023. Requested details of the alleged amount. Nothing was received. 
Transworld called XX/XX/2023. Requested details again. Nothing given over the phone. They will not send details. 

They indicate they are collecting for XXXX XXXX XXXX. My wife contacted the Hospital and we have no outstanding bills with them.
Consumer complaint received 2024-05-04
Product: Prepaid card — General-purpose prepaid card
Issue: Advertising — Confusing or misleading advertising about the card
Company: Newport Intermediate Inc. (CA)

For a recall I get a prepaid card, I lost the card and when I found it was already 2 days expired, I call the company ( XXXX XXXX XXXXXXXX. 
If I would get a new card. It {$120.00} XXXX.They said it nothing to do it to late. I check my balance it show me all the money it there, just I need a new card. Please. 
The Prepaid XXXX  Cardholder Agreement said : The funds on the Card do not expired.Even though the Card may expired, the funds will still be made available to you after expiration ... .and so.
Consumer complaint received 2024-05-04
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: CITIBANK, N.A. (CT)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. Is hurting my ability to obtain credit. Its my understanding that XXXX will investigate this account for me to ensure accuracy here is the account I am asking you to verify as accurate CITICARDS CBNA Account Number XXXX
Consumer complaint received 2024-05-03
Product: Credit 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: CITIBANK, N.A. (OH)

On XX/XX/XXXX my computer was compromised from someone posing as someone from Best Buy- XXXX XXXX XXXX Everything seemed to be legitimate. I wanted to cancel my subscription and they agreed to take care of that by asking me to chat online with them which I did. When they asked for my XXXX, I knew then something was not right. I immediately got out of the screen. My husband and I went to our Best Buy store and they confirmed that I was not the first person to be scammed with this " XXXX XXXX '' email. 
I immediately contacted my credit card bank, Citi Bank, and they said that a charge of {$9.00} had been made to my account and then immediately afterward a charge of {$140.00} was made. They said that those charges would be disputed and I would be reimbursed and not responsible for those charges. Then on XX/XX/XXXX, I received an email from Citi Bank stating that the reimbursement would be reversed that they had information that this was a legitimate charge. 
Now I am furious because I did not make or agree to this transaction. I started calling the bank, getting tossed from person to person in their " Security Dept '' who makes all kinds of excuses as to why this has ocurred and they will look into it. 
It is now XX/XX/XXXX, I have spoken with XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX, all from the Security Dept at Citi card Bank. I call every week and get the same runaround. This so- called Security team is a joke and do nothing to help their customers. I am told the same story over and over ... .they will look into it. 
I realize that this is not a huge amount of money. But the fact remains, I did not receive any product, I did not order anything, and I did not give anyone authorization to use my card! This was done by someone who is scamming people and obviously getting away with it. I just want my account credited with the {$140.00} that is due to me.
Consumer complaint received 2023-07-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FISERV INC. (PA)

My checking account was closed to do this fraudlent check which i thought was taken care of back in feburary. Then I had to get my bank involved over a {$300.00} check that never should have cleared. My checks were thrown away! I will be sending over documentation!
Consumer complaint received 2024-05-03
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: SANTANDER HOLDINGS USA, INC. (OK)

THIS LOAN IS TAIND and 3rd party fraudulent activities and now must be deleted from XXXX XXXX AND XXXX ALREADY BLOCKED TRADELINE.
Consumer complaint received 2024-05-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAINE & WEINER COMPANY, INC. (OK)

Thanks for the response to the first complaint. Caine & Weiner is reporting a collection account to XXXX, XXXX and XXXX. The account number for XXXX being XXXX as having a balance of {$670.00} dollars. Account opened XXXX XXXX. The CFPB is consumer friendly outlet for complains so I will like to keep the conversation back and forward here. 

Please reply with a purchase agreement. Please reply with the original certificate of indebtedness. Please reply with proof of the required notices sent to me before you reported to my credit report.
Consumer complaint received 2024-05-03
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: WELLS FARGO & COMPANY (TN)

I did own a XXXX XXXX, I had a XXXX  with a XXXX  which messed up the power steering system, I told a customer service representative about the issue, waiting for the insurance claim to come back so I could get the account up to date, the customer service representative didnt care, basically told me it wasnt their problem and I still had to pay the bill
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: Paramount Recovery Systems, L.P. (TX)

Code ( MO ) 281 SW 715.719. 
I PRESUME THAT NO PROOF OF THE ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT, IN FACT THEREFORE EXISTS PURSUANT TO 18 USC 8, L OWE NO DEBT, THIS COMPANY IS VIOLATING MY CONSUMER RIGHT TO PRIVACY PURSUANT TO 15 USC 1681-B2 COMPANY HAS NO PERMISSION TO REPORT MY INFORMATION PER 15 USC 16814 . 
( Accounts ) XXXX XXXX, PARAMOUNT RECOVERY XXXX XXXX XXXX needs to be removed from my credit report " I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( Mo ) SW715, 719,1 presume that no proof the alley + debt, nor therefore any such debt exists this company is sharing my information back and farward with another company and it is illegal to do so without my permission
Consumer complaint received 2023-03-17
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: EQUIFAX, INC. (KY)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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 2024-05-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

This debt collector engaged in abusive, deceptive and unfair practices of the FDCPA which prohibits. They furnish this account that we didnt agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it, more so they didnt follow the proper 5 step validation procedure which makes this unfair practices. According to FDCPA Im entitled to {$1000.00} per violation and clearly they violated my rights.
Consumer complaint received 2024-05-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: FactorTrust, Inc. (GA)

After doing a review of my consumer report, i noticed this account on my report and also a fraudulent charge, DOB banking information. I have never resided in the state of TX and have lived in in my home since XXXX of XXXX. I have filed an Identity theft report and also a police report now that i have discovered this identity thief.
Consumer complaint received 2024-05-02
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (CA)

Balance confirmed for XXXX attempted to use on XXXX twice for purchase less than {$400.00} and a hold of XXXX cents was taken both times then declined. Followed all instructions for AMEX website and was still unable to use anywhere. 

ALSOOOOOO.. This car seat that I am trying to purchase is on sale right now for {$350.00} - it's normally {$450.00}, which means this is the only time that I can purchase it at this price. I'll be unable to make this purchase due to AMEX being impossible to work with. My work gave me this gift card as a baby gift to use for my car seat and now I can't purchase it.
Consumer complaint received 2024-05-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: BMO Bank, N.A. (CA)

I contacted BMO on XXXX and spoke with XXXX. She said an internal request was sent to have a look at our PMI and to see if we can remove it since we believe the value has gone up since we bough the house. She said they have to first look at it internally, then they will send a letter ( name and address was verified ) and then we can go from there. 

She said the turn around time was 5 days. Nothing has come in till XXXX. No mail has been received or letter has been received about this. 

This is a concern as this is costing us around {$110.00} or so per month. BMO has been very poor in this communication and who knows how many others they are doing this to so that they can continue to charge.
Consumer complaint received 2023-04-20
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: Experian Information Solutions Inc. (FL)

I am interested in processing disputes on my credit report with experian to help an clear my report. alot of data is inaccurate that is hindering my file. it is not 100 % accurate across all credit reports. please delete an remove all negative items to help clear my credit file asap.
Consumer complaint received 2024-05-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: SELECT PORTFOLIO SERVICING, INC. (GA)

I am writing to report an ongoing issue I am having with the mortgage service provider Select Portfolio Servicing , Inc ( SPS ) for a property I own in, XXXX, XXXX SPS took over responsibility on XX/XX/XXXX for a loan I initiated in XX/XX/XXXX. Despite the fact that the Escrow account was fully funded for property taxes and insurance when I closed on the loan SPS has not paid my property taxes to date. In fact I had to pay the taxes which were past due to avoid a lien being placed on my property. 

I first contacted SPS via phone call to their customer service number at XXXX XXXX, on XX/XX/XXXX around XXXX XXXX. The customer service representative agreed to report my concerns but I never received a phone call or follow-up response from SPS I followed up with another phone call on XX/XX/XXXX to report that I received a notice of intent to issue a lien, again I got no immediate action from SPS only a promise to review my records and get back to me within 30-days. Given the time constraints indicated in that lien notice and the lack of action from SPS I went to the county office and paid the past due tax bill on XX/XX/XXXX. Subsequent to making that payment I sent an email to SPS and uploaded a copy of the lien notice to the SPS customer service portal on XX/XX/XXXX as well as a copy of the receipt showing I had made the past due tax payment. I also requested direct reimbursement of my tax payment given that they had the funds sitting in the Escrow account. I received a letter on XX/XX/XXXX through the portal from SPS acknowledging receipt of my XX/XX/XXXX email and a promise to address my concerns within 30 days. 

Given the lack of action and responsiveness to my concerns I contacted an attorney who issued a formal letter of complaint on my behalf dated XX/XX/XXXX. I mailed a copy of the attorney 's letter to SPS 's address in XXXX XXXX XXXX, Utah and uploaded a copy of this letter to the SPS portal and received an acknowledgement of receipt of this letter which was dated XX/XX/XXXX, and again a promise to respond within 30 days. 
To date I have not received any communication from SPS indicating what they have learned and what they are going to do to correct this and no indication if they will refund me from the escrow account.