davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-12
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: WELLS FARGO & COMPANY (CA)

It happened when I went though my Wells Fargo app on my phone to pay my credit card expense. Then I realized I was missing quite a lot of money than I should have. So I checked my history of debit card, found out there was {$600.00} been transactioned in the past, 3 days ago when I send {$30.00} to my friend for gas money. So I imeediatly contact to my banking service, Wells Fargo Fraud department and requested an claim for this problem and close my account for safety. I was confused if I send these money since it was a XXXX, not like an XXXX or anyother purchase, but I found out the name on the transcation history is impossible for me to send that money even by a mistake. The history only shows up on the final transaction. Doesn't show up on my XXXX activity history and the name doesn't show up on my reciepitant list. So it is impossible for me to transfer this money to a stranger by a mistake. I assume it's somebody hacked my account, logged in and send the money or did it in another way. 

After I claimed it, I got an email about 7~8 days later saying, contact Wells Fargo Fraud Department which I did and they answered the transcation was legitalment and already made so there's nothing they can do. I asked for more details and they repeaded about the transcation is legitament which I guess it's their system not letting to go further. In fact, one of the agent mentioned they might not have access, but they will try. So I believe I only got provided with limited information and I want to see if this decision that was made by their department fair. And I really want to get my money back if possible. It might not be a lot, but it is covering about half of my housing contract for my new school at XXXX XXXX XXXX.
Consumer complaint received 2023-11-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (IN)

Mohela has placed an administrative forbearance on my account. I have a $ 0 monthly repayment at the moment so there is no payment due but I have been placed in forbearance and can not make a payment on my account now even if I were to have a payment. They will not answer the phone even though I have waited on hold for upwards of an hour. This is completely unprofessional and a terrible way to handle someone's fiscal accounts.
Consumer complaint received 2023-11-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-11-21
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: GOLDMAN SACHS BANK USA (CA)

I purchased a XXXX XXXX bag online, it was received, but received damaged. I returned the item to XXXX XXXX with proof of purchase to Goldman Sachs Apple credit card. They keep reversing the charge but with no proof that I have the item. The item was returned to XXXX XXXX and proof of this return was sent to Goldman Sachs Several times. XXXX is known for this issue, after reviewing online. I found several customers who are having this same issue with their XXXX XXXX and XXXX not wanting to do anything about it. The product was received like this. I don't know if this was in shipping or how their warehouse shipped it out. I contacted and notified XXXX right away of the damages to " not being able to locate my account '' and the item wasn't returned in prestige condition, but how could it be returned in prestige condition when this was received by me like this. I do not have around $ XXXX for a bag that was received damaged/defective. I have sent all proof to Goldman Sachs, but they now want me to take this in to get it documented, but how? I can't take this into a leather treatement business around me when I don't have the item.
Consumer complaint received 2023-11-21
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Billing dispute for services
Company: Amsher Collection Services, Inc. (NY)

Someone, whom I don't know, used my Social Security Number, and created an Internet Account in XXXX since XXXX. 
XXXX never contacted me until XX/XX/XXXX when they sent me a letter charging me {$42.00} whose account was XXXX, in the name of XXXX  ( THAT IS NOT MY NAME ). I called Customer Services, filed a complaint and they agreed to investigate what happened. On XXXX XX/XX/23 I received a letter again with the same account, charging {$54.00}, informing me that Telephone XXXX XXXX XXXX had been suspended and that I owed : ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX That same day I contacted XXXX XXXX XXXX XXXX XXXX  created claim # XXXX. Valid to date... 
On XXXX I received a call from the company AMSHER COLLECTION SERVICES charging me {$53.00} Account. No. XXXX, type : XXXX XXXX. 
Thus creating a negative note on my credit report.
Consumer complaint received 2023-07-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (SC)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX Have violated my rights. 
15 USC 1681 Section 602 A : States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : States A consume reporting agency can not furnish a section without my written instructions.

15 USC 1681 C ( a ) ( 5 ) : States no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information other than records of convictions of crimes which antedates the report by more than 7 years.

15 USC 1681 S-2 ( a ) ( 1 ) : states a person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-08-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: GOLDMAN SACHS BANK USA (TX)

Seems all banks practicing the Same practice of XXXX XXXX XXXXXXXX Credit card customers who were promised rewards points and cash bonuses and failed to provide the promised rewards. 

Goldman Sachs the servicer of Apple Credit Card is no exception, 1st Apple Credit Card sent me an invitation to a joint card holder and they will give {$100.00} we completed the requirement and we were eligible to get the {$100.00} bonus, it took many calls and trouble tickets to get the reward.

again by end of may, I got another invitation to add up to 5 participants ( Authorized users ) and each will get {$50.00}, after spending at least {$50.00} on the new card. I added 4 users, and I been calling and chatting on their app with their agents, I contacted them at least 8 times and they giving me the run around assuming I will give up, After all the fights they gave me the credit for 3 out of 4 and I still did not get the credit for the 4th person which his name XXXX XXXX its not the {$50.00}, its the pattern of misleading customer, its systematic and I am sure its widespread and I was inspired by CFPB XXXX XXXX XXXX. These practices are illegal and undermine customer trust. And he wants to an end to this practices across the banking system
Consumer complaint received 2023-11-21
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: EQUIFAX, INC. (TX)

The following hard inquiries appearing on my credit report are unauthorized and/or not recognized by me. 
XXXX XX/XX/XXXXXXXX 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 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 2023-09-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

My past complaint XXXX I stated that my XXXX report said the only months I missed part of a payment was XX/XX/2022 and XX/XX/2022 but had missed payments on XX/XX/2022 and XX/XX/2022. However, my credit report was not fixed it stated that an investigation was completed but this mistake remains. if the only months I had a remaining balance was XXXX and XXXX, why do I have XXXX late payments in XXXX and XXXX. my past complaint was not properly investigated by XXXX XXXX.
Consumer complaint received 2023-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (OH)

In accordance with the Fair Credit Reporting act. 
The XXXX XXXX XXXX XXXX ( Account XXXX ) has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX XXXX : XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 602 A. States I have right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information.. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681S-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-11-21
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: BARCLAYS BANK DELAWARE (FL)

On XX/XX/XXXX 2 airline tkts were charged to this card. On XX/XX/XXXX the tkts were cancelled and supposedly refunded to the card in the amount of {$1200.00} X 2 = {$2400.00}. I have transaction # 's XXXX and XXXX given to me by XXXX XXXX XXXX  for the refund. Barclays Bank keeps saying they havent received and will not do anything about locating the money. They even spoke to XXXX  to obtain ALL the info including ticket # 's, refund transaction # 's etc verifying the refunds were issued from their end and Barclays refuses to acknowledge or locate my money and post it to my credit card account. I disputed the charges, spoken to managers and supervisors to no avail. 
THIS WAS AN electronic transaction... It has to be traceable and no one is helping me resolve, especially Barclays Bank
Consumer complaint received 2023-11-21
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. (WA)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2023-10-08
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: Peer Advisors, LLC (CA)

Last statement received was from Novad in XXXX, XXXX. Apparently their is a new loan servicer, XXXX. Contacted them on XX/XX/XXXX. They requested additional information which was provided on XX/XX/XXXX. It has been 3 months and no information has been provided or received.
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 — Account status incorrect
Company: CL Holdings LLC (LA)

Received information and credit hit for a collection from XXXX XXXX stating I have a balance of {$3800.00} with XXXX XXXX XXXX for account # XXXX. My account with XXXX XXXX XXXX was paid in full and closed in XXXX after vehicle was totaled out. Insurance AND GAP benefits paid amount on payoff quote submitted from XXXX XXXX XXXX. Recently even received a notice of a XXXX credit from XXXX XXXX XXXX. I do not owe any money to this company, and it was impossible to be late in XXXX as that car does not exist and I was not financed through them at that time.
Consumer complaint received 2024-07-10
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc. (MD)

Mortgage is Mr. Cooper reference loan # XXXX. XXXX has been paid off as the property was sold XX/XX/2024. Property address is XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX. 

I submitted an inquiry with my local XXXX XXXX at XXXX XXXX XXXX trying to locate a payment made by the mortgage company for property taxes on XXXX XXXX 

There were XXXX reimbursements made to me due to XXXX exemption. Since I knew, the escrow was going to go on negative, I made the payment due on XX/XX/2024 to the county ( see attachment named XXXX XXXX XXXX payments ). 

The county explained they have only received XXXX payment, with my name on it. They are asked for evidence that the mortgage company sent a payment of {$1900.00} as noted on the XX/XX/2024 statement. They did an inquiry and there are no duplicate payments received ( see attached email from XXXX XXXX tax office ). 

In short, I believe the payment must have been returned since my payment arrived first. 

Mr. Cooper does not offer a phone number for customer service support, they have chat option that really doesn't work and you have no way of validating information. I have emailed them like 3 times to the XXXX XXXX XXXX that manages their escrow accounts. In late XX/XX/2024 I used the chat option and the rep on the other side said that the payment was returned from the county and that I should see the reimbursement soon which has not happened. Yet they have not produced a copy of the payment sent to the county for the property taxes. 

I used the message option with them asking for help one more time to no avail. Reason why I'm submitting a complaint. 

While XXXXhe county maintains only one payment was received, recently the XXXX XXXX XXXX XXXX XXXX pleaded guilty for stealing tax payment money. See the link below. 

https : XXXX I wanted the mortgage company to produce evidence of the payment as they list on the XX/XX/2024 statement to make sure my case is like XXXX of those listed with the XXXX XXXX XXXX indictment.
Consumer complaint received 2023-09-12
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

It is absurd that I have consistently made timely payments for this account and have never been overdue. I kindly request that you promptly update my account to reflect this accurately.
Consumer complaint received 2023-04-27
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: EQUIFAX, INC. (GA)

This is my 11th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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 2024-01-03
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PlusFour, Inc (NV)

I contacted PlusFour who told me to contact XXXX XXXX XXXX there was nothing they could do. That their client had to contact them. I contacted the Billing Department of XXXX XXXX XXXX and was told by the Billing Dept that there's nothing they can do since XXXX didn't pay. I continue to get the run around from the Billing Department of XXXX XXXX XXXX and PlusFour. My insurance companies have reassured me that I had coverage at that time and should not have been billed. I have been dealing with this since XX/XX/XXXX and I am still in collections and I have yet to get this issue resolved. 

After my 2nd call, I spoke to Supervisor XXXX of XXXX XXXX XXXX and informed her about being sent to collections in error and that I have had coverage with XXXX & XXXX during the DOS that I was billed and sent to collections. I explained everything that was told to me during the 3-hour conversation with a rep from the state of Nevada 's XXXX office. She also didn't understand why XXXX was not billed and why I was sent to collections. 
Per XXXX of XXXX XXXX XXXX on XX/XX/XXXX at XXXX XXXX did not pay for the following DOS & Claim No : ** XX/XX/XXXX XXXX {$22.00} **** I owe and paid this claim since my XXXX coverage did NOT start until the following month ( XX/XX/XXXX ) ** XX/XX/XXXX XXXX {$22.00} I had coverage with XXXX & Nevada XXXX at the time of this DOS ** XX/XX/XXXX XXXX {$26.00} I had coverage with XXXX & Nevada XXXX at the time of this DOS ** XX/XX/XXXX XXXX {$22.00} I had coverage with XXXX & Nevada XXXX at the time of this DOS ** XX/XX/XXXX XXXX {$99.00} ( XXXX ) I had coverage with XXXX & Nevada XXXX at the time of this DOS On my 1st call to the Billing Dept of XXXX XXXX XXXX, I spoke with XXXX ( male ) rep who disconnected the call after I repeatedly asked to be placed on hold to speak with a supervisor. 2nd call spoke with Supervisor XXXX. 3rd call left a complaint/message with CSR for management of the Billing Department which they still have not gotten back with me. When I call everyone is either busy, out of the office, in a meeting, or on the phone.
Consumer complaint received 2024-07-08
Product: Credit 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. (TN)

I contacted Macys in regards to order XXXX. When the packages were delivered they were left in front of the recipient door and were subsequently not there when they arrived home. 


Macys said they do not require signatures nor do they file claims with the shipper. Making me to have to pay for items that were not received and I feel they are not protecting me in this situation as a consumer
Consumer complaint received 2023-11-21
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: PORTFOLIO RECOVERY ASSOCIATES INC (OK)

Company name Portfolio Recovery Debt was through XXXX XXXX XXXX This company served me papers in XX/XX/XXXX. I called them and set up a payment plan. Which was never drafted. They sent me papers in the mail a month to 2 ahi XXXX or XX/XX/XXXX. These papers threaten to take any assets I had to cover my debt. I told them I had set up a direct draft payments in XX/XX/XXXX. They told me that the payments never came out that my bank wouldnt allow them. They said they have this issues like a security issue. I set up direct draft with them again. The payments arent being taken out again even with giving bank information and consent. I worry if my bank really is not allowing them that its a faulty company or they just arent really trying to take them to try to take all the money at once or my assets. I assume Ill be getting more legal threats in the next few months.
Consumer complaint received 2023-11-21
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (WI)

Leased a XXXX  XXXX XXXX at XXXX XXXX in XXXX, WI which was a DEMO driven by the Manager at that time. 

I am not disputing all charges except for the following : 1. Wear and tear charges totaled {$750.00}.

2. There was not a 12 '' crack in windshield when turned in 3. License plate holder in front was not there when picked up {$91.00} ... for a {$5.00} part!

4. Scatches in rear bumper were very small and were there along witth a few others The disposition fee should be waived, leasing of new vehicle was from dealership owned by same owner {$390.00} not told about this plus loyalty to dealership Dealership was to send in over mileage fee of {$750.00} has not been received