davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-08-31
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (SC)

XXXX XXXX XXXX, at my direction wired {$4500.00} dollars to a supposed company in XXXX XXXX, who used Wells Fargo bank as the depository. One last call to the XXXX XXXX police department alerted me to the fact that this company was fraudulent. 

An immediate call from me to XXXX was made to either stop or rescind the wire transfer. XXXX immediately issued a message to Wells Fargo to withdraw the wire transfer, providing Wells Fargo ample time to to follow the directive from XXXX to rescind. This entire send/rescind episode happened within approximately 72 minutes. 

Wells Fargo ignored the XXXX request and allowed the perpetrator to withdraw the money, it is believed several hours later, knowing that the entire incident was possibly a scam, which would have allowed the XXXX XXXX Police Department time to investigate the matter further which they were more than willing to help, according to the investigating officer, immediately.
Consumer complaint received 2023-06-13
Product: Credit card or prepaid 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: CITIBANK, N.A. (CO)

i am a victim of identitytheft/fraud and impersonation as well as a victimof sim swapping/XXXX to a extreme degree all of my accounts online and offline have been compromised and there is suspicious/fraudelent activity amongst them all to which i reported it several times to police, ftc, id, gov etc and have those report numbers. I have been calling citi bank custom cash about this ongoing problem for over the past 6 months on XXXX i spoke with citi amongst several other times beforeand after that and have repeatedly requested my statements to be resent to me as well as the suspicious activity. i got a few statements but my mail is also being tampered with to where i have had to report mail theft as well with the usps. and i am missing XXXX of XXXX that seems to be when all my credit cards were maxed out and im not recieving any of those statements for those times across the board. anyways i have always made ontime payments and have never been late. to where the statements i do have have the wrong payment dates from auto pay. i have always had autopay from my bank. in which the reference numbers on my bank statements in comparison the citibank ones that I do have do not match.i have never transferred balances, taken cash out, used my rewards, added a XXXX account, card, or user ever. to where on my statement i reported that on my rewards is has a ladys name XXXX XXXX in which i brought that up less than 1-2 weeks ago and have no clue who that is when i spoke with citi and got the runaround, was transferred two times and still wasnt able to report the full extent of the suspicious activity nor was given the right number to talk with customer service nor the rewards department as well as them not given me the address to citi. i sent out a dispute letter on XX/XX/23 to citi stating some of this as well as to cancel my card issue me another to double check that my name and address are all correct, limit sharing, and to make sure there is only 1 card 1 account with only 1 me the user as well as all statements and correspondences pertaining to myself, my social, my address, my name with the middle intial the full middle name or without to be sent to me. so that i may go over them in order to give ALL accurate transactions that are not mine. i reported the suspicious activity with wells fargo as well to which they forcibly closed my account. where i believe they have knowledge of all this fraudelent activity that is coming out of their bank that pertains to my account to which come to find out i dont even have primary control over my account which is XXXX and they gaslightme when i dont have anyone as a user etc on ANY of my banking accounts ever with proof even and they took away access to my own account. my mom is on my electric bill and car insurance /lot rent agreement as a authorized user and thats it.
Consumer complaint received 2023-07-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc. (OH)

My XXXX was just recently final and I was in a very toxic, XXXX XXXX I had zero control of bills, emails or anything of importance. After I escaped and filed for XXXXXXXX I started getting letters in the mail from all different credit card companies. Here to find out these were open Freudianly from my XXXX XXXX and he had all the statements coming paperless. My attorney has filed contempt charges and fraud charges are reported also. The XXXX credit reports are attached that show all these XXXX  cards in my name and they were not opened nor used by me. This is causing a major problem as I am receiving calls non stop and even to my employer. Can you please help with this?
Consumer complaint received 2020-07-28
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Flat Six Holdings Inc. (CA)

On XX/XX/2020, I went to the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX for a payday loan. There was an advertisement for a loan from Crestline Finance, advertising a 19 % loan. I was able to qualify for {$600.00} to be paid in one month. I was informed of an annual {$30.00} charge. I signed the loan agreement. On XX/XX/XXXX, XXXX, XX/XX/XXXX and XX/XX/XXXX, I paid approximately {$670.00} and in return received {$570.00}. I questioned the fees but was never given a clear explanation. I called Crestline on XX/XX/2020 and informed them of my intent to pay off the loan on or about XX/XX/XXXX. I wanted to avoid any automatic deduction and was told the only way I could stop the ACH which I had never used was to write them a letter. They would not provide a fax or email notice. So I sent a Priority letter on XX/XX/2020 indicating that I no longer agreed to an automatic deduction. I then went to both the physical store and called Crestline to discuss what I believe to be undisclosed fees. I finally discovered that I was paying a 10 % fee each month for use of a third-party processor? There is no mention of this fee in the contract, nor could anyone explain why it was necessary since I paid in cash at the store on each due date. I called Crestline and attempted to resolve the matter but I was put on hold and then the telephone call was disconnected. 
I have attached the loan agreement, along with the transaction history from their website which does not include the {$60.00} charge. However, I also submitted a copy of a the referenced receipt and it shows a payment of the {$60.00}.
Consumer complaint received 2024-05-05
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to pay a bill
Company: U.S. BANCORP (UT)

I purchased a {$200.00} XXXX XXXX XXXX issued by US Bank National Association on XX/XX/23 at XXXX XXXX at XXXX XXXX XXXX XXXX XXXX Ut ( XXXX ). The card never worked. I spoke to the manager at XXXX XXXX  who reported that the card numbers of gift cards are frequently being stolen before customers can use them. I have been contacting the XXXX XXXX XXXX customer service representatives for months with no results. I have faxed and emailed information they requested in order to be refunded the {$200.00} but each time I follow their guidelines, they make excuses as to why they are not sending me a refund.
Consumer complaint received 2018-08-31
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY (NJ)

This is the 'second ' year this has happened. Wells Fargo Dealership Services, misappropriates my auto loan payments. I had to file a Complaint under the Consumer Finance Protection Act last year in order to get Wells Fargo Dealer Services to correct their error, which they finally did. I prepay my auto loan once a year, sending 12 month payments in advance, with a letter instructing Wells Fargo Dealership Services that these are '12 prepayments '. Wells Fargo Dealership Services ignores my request, applies my payment to principal reduction and expects monthly payments to continue. Their prior explanation is that their computer system can not accept/document auto loan prepayments, which is totally noncredible in today 's computer age. I believe they intentionally misappropriate payments in order to set the borrower up to default under the auto loan, so they can collect 'future ' late charges and penalties. My understanding is that Wells Fargo has been sanctioned by the Federal Reserve as it relates to abusive auto loan practices including poor governance, poor compliance and poor risk management. This year, I sent another letter to Wells Fargo Dealership Services with specific written instructions that I was sending'12 prepayments ' and reminding them that I had to file a complaint under the Consumer Finance Protection Act last year to get this rectified. They did it again this year, and misappropriated my payment applying the payment to principal. I called Wells Fargo Dealership Services to get this corrected, talked with two different people including the Office of the President, and the best they could do was have this investigated. In today 's computer age, ever other lender I deal with can pull up a customer profile, payment history and payments made in a matter of seconds. They were not able to do this and not able to resolve my complaint. Hence, I have filed this Complaint. The consumer should not have to go through this XXXX process just to make a payment in advance. If Wells Fargo Dealership Services is not an abusive auto lender, then it is certainly incompetent as it relates to management of its auto loans. I believe Wells Fargo Dealership Services just simply does not care about the consumer.
Consumer complaint received 2018-07-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Ameritech Financial (IN)

I have been paying Ameritech Financial XXXX $ a month to handle my student loans which in the end after a certain amount of time they said would be totally taken care of with no money owed. So since I have been taken advantage of I would like to know how to get the money back that I have been paying them to do nothing with my account.
Consumer complaint received 2024-05-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Click n' Close, Inc. (MD)

I reviewed my Consumer Reports and noticed that three late agencies had taken on a role and had a responsible report. Information to the consumer to the best of its ability with maximum precision. I am not late in the account payments : XXXX  XXXX XXXX : XXXX, Investigate and provide evidence with statements showing that these payments are late. If proof can not be provided, I demand that these payments be updated in time as they should be. Thank you.
Consumer complaint received 2018-08-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: PNC Bank N.A. (OH)

Pnc bank switched the order of transactions on my checking acct on XX/XX/XXXX causing a pending charge of {$8.00} ( XXXX ) to pull from available funds before a charge of {$9.00} ( XXXX ) that was run a week prior and cleared the account. This deceptive and predatory practice resulted in me being charged an overdraft fee on the {$9.00}. Also I made a deposit on XX/XX/XXXX of {$120.00} to cover a further negative balance in the account. I was charge an additional overdraft fee after I made the deposit.
Consumer complaint received 2024-05-05
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: R.M. Galicia, Inc. (CA)

I sent XXXX separate letters to Progressive Management Systems regarding XXXX collection accounts that I wanted validation for. 

Here is the first part of the letters to which i never received a response : To Whom It May Concern : This letter is being sent to you in response to you reporting the aforementioned account on my credit profile with the credit reporting agencies. 

This is not a refusal to pay, but a notice that your claim is disputed. 

Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request validation of the debt you claim that I owe you. I am requesting proof that : I am indeed the party you are asking to pay this debt ; the date of the alleged medical service ; the name of the patient ; and proof that there is some contractual obligation which is binding me to pay this debt.
Consumer complaint received 2023-12-28
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. (PA)

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 2018-08-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (NC)

I have contacted Experian several times about an unauthorized XXXX credit card hard inquiry made without my permission on XX/XX/2018, i have told chase i did not make that inquiry, today XXXX has also confirmed that i did not make that inquiry and has asked Experian to remove it from my credit file. I have submitted a PDF file provided to me from XXXX supporting what i said before.
Consumer complaint received 2024-05-05
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (AL)

They have called 7 times in the last couple weeks from different numbers. It is portfolio recovery associates. I have requested information on when the debt was incurred, the amount, what company, etc. they refused to give any information but demanded payment information right then. I told them not to contact me again as I have checked all my credit reports and nothing shows any debt collections at all. They have contacted me on Sundays, before XXXX XXXX, multiple times a day, etc. never from the same number.
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (GA)

I bought a car in XXXX  because of separation because my ex exposo he did not want to continue paying the car of which I stopped paying three months in XXXX and I knowing that I was not making the payment I took it off and what I did was take the responsibility of paying the car and from which I have been making the payments month by month and I am not late I want to buy
Consumer complaint received 2023-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still accounts that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. Please update or remove the following inaccurate accounts in my report : 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 2024-05-05
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A. (GA)

On XX/XX/XXXX I received an email that my credit limit was changed. When I logged into my account, my Citi Double Cash card limit was reduced. Citi Double limit was $ XXXX with {$5000.00} available went to {$5100.00} limit and {$570.00} available. I have never missed a payment and always paid more than the minimum. I've had this card since XXXX and my account history with Citi has been excellent. Yes, my credit score has changed but that has not impacted my obligation to pay my debt. Reducing my limit impacts my credit score which further perpetuates the cycle of my score decreasing do this action. I understand the economy is challenging and uncertain, but I value my relationship with Citi and would appreciate their partnership with a consumer that is committed to them and reflect that with reinstating my credit limit.
Consumer complaint received 2024-05-05
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Chime Financial Inc (VA)

At XXXX XXXX  on XX/XX/year>, I received an email announcing " Your XXXX XXXX application is almost complete! ". 

At XXXX XXXX  on XX/XX/year>, I received a text message telling me " Your Chime account is ready! '' and to download the app to access it. 

At XXXX on XX/XX/year>, I received another email with the subject line " Welcome to Chime! Lets dive in. '' I immediately called the Contact Us phone number listed on the Chime site, as I had NOT applied/opened an account with them today ( or ever ). The representative was able to tell me that the account had been opened around XXXX XXXX  on XX/XX/year>, and then transferred me to the fraud department. 

I let the fraud representative know that I had not created this account and request immediate closure of the account. The representative closed the account and I received confirmation of the account closure via email. 

As the two emails I received indicated that a debit card was being mailed to me, I also requested to know what address was listed on the account, but the representative was unable to provide that information. She said she would send another email with a link to request account statements that would include that information, but so far I have not received that additional email.
Consumer complaint received 2023-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I sent a letter on XX/XX/2023 to remove, accounts that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after the XX/XX/2023. 

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 Experian : 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 2023-05-08
Product: Credit card or prepaid card — Store credit 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: CITIBANK, N.A. (CA)

I had opened a credit card account with Macy 's in XX/XX/2022 along with an in-store purchase of {$180.00} from Macy 's XXXX XXXX XXXX XXXX XXXX 

I never received a physical card to allow me to setup a payment account to pay the balance. I tried calling Macy 's customer care rep ; however, I would be asked to give a credit card account number to access information about myself ( which I didn't have ). 

I got a call from collections agency in last week of XX/XX/2022 asking to pay {$1800.00} on my acount. At this point, I did not have a credit card in hand, no statement, no emails, no texts from Macy 's about my card usage. I asked where was this charge coming from and why didn't I receive any emails/texts and the transactions. WhatI was told is that someone could've used my card and had " OPTED OUT '' from emails and texts. 

WHY would I do that to my own credit card amount? I have multiple cards with different accounts and I have not missed a single payment so far. 

I have called Macy 's customer care rep to file a complaints for incorrect/fraudulent charges, provide me with a statement of charges, send me a credit card. I can not still see any statement issued on my online account and the only thing I see is the outstanding amount. 

I have called and failed a complaint with Macy 's 3 times in XXXX, 2 times in XXXX, 3 times in XXXX and minimum of 3-4 times in XXXX and XXXX. Every time I called, I hear that you have not filed a complaint so far and they file a new complain and ask me to wait 2-3 billing cycle to get a resolution. This has affected my credit score, caused me to making several calls to macy 's amex and the store owners and inability to get out a personal loan for myself. 

I sincerely request to get help with this issue. The outstanding balance today is at {$1800.00} dollars and I have paid my {$230.00} towards my original balance of {$180.00} with late payment fees even when they had not issued the card and were in the middle of an investigation that has been going on for 6+ months. 

i feel like I am being scammed by someone and there's no support from the company. This has started to stress me out with my mental health being affected by this constant chase of non-fruitful calls. 

Any hep would be really appreciated!!
Consumer complaint received 2024-05-05
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Chime Financial Inc (NC)

My husband 's check was direct deposited in Chime app. The morning of XX/XX/2024. I called to have them help me transfer funds to my Chime account because he had not yet received his card. The transfer was transferred into wrong account by me. I have tried numerous times to customer service to help me get monies back. They say they can't do anything but send a refund request to persons account it went to. I have made several requests to that account holder.
Consumer complaint received 2023-05-08
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. (MO)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The listed account need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX XXXX XXXX