davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-17
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to pay a bill
Company: OPTUM BANK, INC. (DE)

I recently had a issue with my XXXX XXXX XXXX XXXX  XXXX  what happened is that on XX/XX/XXXX XXXX refunded twenty five separate transaction payments back to my Utility Spending Account but it did not get returned to that account until XX/XX/XXXX XXXX
Consumer complaint received 2023-10-17
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Emergent Business Group, Inc. (SD)

On XX/XX/2023 I received a phone call at work from Emergent Services about a payday loan that I owed, I requested to have all information mailed to my physical address. Gave them my actual phone number and address, They said no problem and would be in touch the following week.

I never received any such letter, also didnt receive any follow up phone calls on my personal line. 

Then on XX/XX/2023 they called me work again asking me to pay this debt. I told the lady since I did not receive anything in the mail like I requested to stop contacting me. The lady then tried to talk to me more about it so hung up because I felt like this wasnt legitimate.
Consumer complaint received 2023-07-13
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

Last fall, I opened a Savings Account with Capital One, and on XX/XX/XXXX I deposited {$100000.00} of new money. I made an additional deposit on XX/XX/XXXX. On XX/XX/XXXX, I withdrew the {$100000.00}. 

Under the terms of their fall bonus promotion, I should be eligible for the 1 % on the {$100000.00}. They claim I withdrew the money too early. The term Initial Funding Period is not clearly defined as being a condition of the fall bonus but simply that the deposit has to be within that Period. The Deposit Amount was clearly maintained for 90 days : {$1000.00} bonus The new money deposited from an external bank during the Initial Funding Period was more than {$100000.00}, and you maintained that Deposit Amount for 90 daysXXXX XXXX XXXX XXXXXXXX I kindly ask your assistance with this issue. I reached out to the Bank XXXX as well as the XXXX XXXX XXXX but was of no help. I am sure many other consumers were also conned by them. 

Thank you very much!! 

XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX
Consumer complaint received 2023-09-29
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. (ND)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2023-07-08
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: Experian Information Solutions Inc. (AZ)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected XXXX XXXX XXXX Balance : {$470.00} XXXX XXXX XXXX XXXX XXXX Balance : {$21000.00} XXXX XXXX XXXX Balance : {$430.00}.
Consumer complaint received 2023-10-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (GA)

While traveling in XXXX, specifically in XXXX, on XX/XX/2023, I attempted to withdraw money using my Wells Fargo ATM card. Upon reaching the ATM machine, I noticed the unfavorable exchange rate applied by that particular bank and the additional " commission fees '' being imposed. I had read online that in XXXX, various banks employ different types of FX rates and fees, so it's advisable to compare options before making a withdrawal. 

I visited four different banks in the same area but couldn't find a reasonable exchange rate. Each time I attempted to check the exchange rate at the ATM, a screen displayed the cost in US Dollars and the commission fee to be charged. At this point, the ATM provided the option to either " cancel '' or " continue '' with the transaction. I chose to cancel all four times, so no money was dispensed to me. 

However, after four months of what Wells Fargo claims was an investigation, they are asserting that two of the four transactions actually disbursed money, which I strongly reject, as it is false. They are currently refusing to refund me, and it's worth noting that this isn't the first time Wells Fargo has caused me financial inconvenience through their lengthy and bureaucratic processes. Approximately three years ago, a similar issue occurred, but I chose not to pursue it further due to the significant time, effort, and stress involved in attempting to recover my funds. I've reached a point where I can no longer tolerate such experiences
Consumer complaint received 2023-09-02
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL (IN)

I tried applying for the PayPal Cashback Mastercard on XX/XX/2023 and twice on XX/XX/2023. All three applications were denied and I was given a reason of " unable to access your credit bureau file due to a freeze '' by letter while all three bureau files were unfrozen at the time of application.
Consumer complaint received 2023-10-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

The following inquiries on my report are fraudulent and were not performed by me : XXXX XXXX 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 2024-05-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Westlake Services, LLC (FL)

Hello, I bought a vehicle and the dealer never provided the title, the bank that financed it does not have a copy of the title either and I have continued paying for the car but I can not register it. I'm reporting on the credit and I'm paying for a vehicle that isn't mine, I tried to communicate with the dealer and close. I bought the vehicle on XXXXXX/XX/year>
Consumer complaint received 2023-10-17
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Consumer Adjustment Company Incorporated (NY)

I checked my credit report on XXXX XXXX  and have a new collection for 4 {$4000.00} from a collection agency named consumer adj Co on behalf of XXXX. While I took out a pay day advance loan from XXXX in the past, it was paid and for about {$300.00}. There is no way I owe then {$4000.00} and this made my credit go down XXXX points.
Consumer complaint received 2023-05-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (CA)

I had an escrow account with my mortgage company Mr Cooper, they were late paying my XXXX taxes with the county of XXXX tax collector as a result a late fee was charged in the amount of {$690.00} by the tax collector which Mr Cooper eventually paid. I have never been late on my mortgage payment. Now Mr Cooper is attempting to bill me for the late fee being imposed by the tax collector, a mistake that Mr. Cooper made. Mr Cooper initially placed blame on the delinquency on my previous Mortgage servicer ( XXXX ) XXXX XXXX XXXX  but after XXXX did an audit, Mr. Cooper agreed the delinquency was cause by Mr. Cooper. This is an on going issue that has been going on since at least XX/XX/XXXXXXXX  with no real resolution.
Consumer complaint received 2023-05-05
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (GA)

On XXXX I was scammed out of {$4500.00} by someone pretending to be USAA. They decided it was fraud on XXXX. Based on XXXX Pays evidence, they re-charged me {$4500.00} on XXXX. 

They are refusing to give me my money back. Even though I have a police investigation with XXXX XXXX Police Department case no XXXX. 

The bank wont talk to the cops. XXXX XXXX thinks I owe them money so they keep debiting my bank account. I even took my debit card off XXXX XXXX and they still charged me. 

XXXX wont help because to them the money is gone. 

Im out {$4500.00} due to financial bank fraud. My bank wont insure my money against fraud.
Consumer complaint received 2023-04-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

Im accordance with the fair credit reporting act, XXXX account XXXX ( XXXXXXXX XXXX ) and XXXX ( XXXX ) has violated my right to privacy. 

15USC 1681 section 602 states that I have the right to privacy.

15 USC 1681 section 604A states : A consumer reporting agency can not furnish an account without my written instruction.

15USC 1666B states : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-10-17
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. (ME)

Hello, In early XXXX Macys ( Citibank ) contacted me regarding a charge on my Amex card with them for a purchase with XXXX. I responded stating the charge was not mine and nor was the XXXX XXXX charge of {$43.00} for a charge on XX/XX/2023. They marked my card as lost/stolen and then issued a new card. Once I received the new card I went to activate the card to use at the store. That is when I noticed a balance of {$43.00}, I called to inquire why there is a balance still for the XXXX XXXX charge. They stated they had no record of the dispute, but would register my dispute, mark this new card as lost/stolen and issue a new card. I logged on to my account on Monday XX/XX/2023 to yet again find on the new card the {$43.00}, {$29.00} late payment fee, and a {$2.00} minimum interest fee. I can not seem to get them to understand the charge is not mine! The keeping issuing new cards and transferring the charge to the new card, plus now adding fees. They stated they will stop the collection calls as the charge is in dispute, but they are not taking care of the matter at all!
Consumer complaint received 2023-03-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Reviewed my consumer reports and noticed I had 18 late payments on an account that I was never late for. I know that Consumer Reporting Agencies have assumed a integral role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for this account ( XXXX ) with account number ( XXXX ). 

Please investigate and provide proof with statements that these payments were late. If proof can not be provided I demand that these payments be updated to On Time as the should be as I was NEVER late. Thanks.
Consumer complaint received 2024-05-01
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: JPMORGAN CHASE & CO. (IL)

In XX/XX/2024, I called Chase to close my checking account XXXX. Associate on the phone assured that XXXX submit a request to close my account and that I would not incur any fees on this checking account. Fast forward to XX/XX/2024, the account still is not closed and Chase just charged {$35.00} maintenance fee that overdraw the account. I just want the account closed.
Consumer complaint received 2023-10-17
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO. (NC)

I received a mail invitation to apply for the Chase XXXX XXXX XXXX, addressed to my business name ( XXXX XXXX XXXX ) with a QR code to scan. I read everything on the advertisement to make sure there was no mention of a credit pull on personal credit. Went through the application process, read the disclosures there, still no indication that a hard pull ( or any pull ) would occur to my personal credit. When I applied, I was denied ( they had stale information from XXXX, which factored in the decision, and I should also note that I didn't care about the denial ) and then I started getting alerts from the various credit monitoring services I use that there was a pull on my credit. I called Chase immediately and conversed with XXXX operators, who said that this was " just the way they do it ''. I asked for the disclosures and how I was supposed to know that they would perform this action and they could not point me to anything.
Consumer complaint received 2023-10-17
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: Bridgecrest Acceptance Corporation (FL)

Despite multiple written requests, the unverified account/s listed below continue to report on my file. The late payments are inaccurate, the payments were made on time. Please update the late payment markings to show correct payment history. Update the account/s below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (TX)

I bought a printer from XXXX and when I opened it, it was used. I went back to XXXX to request replacement, was refused then I asked for my money back and was refused too. Merchant is no cooperating. I contacted my financial institution, JPMorgan Chase to dispute charge, I explained but representative said " no '', and was hunged up. 

XX/XX/2023 {$260.00} XXXX
Consumer complaint received 2023-07-08
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. (NY)

This is my several request to the three Credit Bureaus and it seems it does'nt makes me satisfied of what they conclude to my credit report. The particular items position that are recently filing on this credit document has a seriously unfavorable impact on my capacity to attain the highest credit score, I want the three credit bureaus to be sure to present facts that these are being reported efficiently as per the Fair Credit Reporting Act regulations. I have done many attempts to reach out to Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove those items which are frauds from my personal credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY ()

It started several weeks ago ( mid to late XX/XX/2023 ). My wife and I live much of the time in XXXX. I am XXXX and my money is in the XXXX. I have a bank account in XXXX and replenish it using XXXX a money transfer company. XXXX instituted new controls and after repeated attempts on my part to send them the documents they needed they still claimed they could not read the documents and they dropped my account. I appealed that but it took several weeks to get reinstated. My XXXX funds deposit money monthly into my Wells Fargo account. I could not access my funds because I share my XXXX phone ( which Wells Fargo uses to send a verification code ) with my son in XXXX, and my son can not be reached. I had earlier tried to order a secure number generator and was told by the phone rep at Wells Fargo that it was more or less hopeless to have one sent overseas. I tried to reason with WF to send a code to my email and they refused. We then requested one of my wife 's friends in the XXXX to order us a SIM card and we had it sent to us via XXXX. After receiving the SIM card I found our account was still blocked. I called WF numerous times ( I would estimate at leat 20x ) talked with customer service in XXXX, and in the XXXX. The Fraud Department in XXXX, the Fraud Department in the XXXX, the 'Account Takeover ' group in the XXXX . On one Saturday I spent over 11 hours on and off the phone with WF. Each time they told me my account is unblocked. Finallly a few days later again spoke with WF in XXXX and one of the customer service reps checked some other data base and said the problem is that our new phone number must be verified. She told us she initiated that procedure on our behalf and that the procedure would take 3 days but 'to be sure ' wait 4 days and try again. Tried again on the 4th day and again transaction would not go thru. Called WF again, asked to escalate to a supervisor. Supervisor said the procedure takes 5 days and wait till end of day XXXX Monday. I just waited till past XXXX Pacific time tried again and account is still blocked.
Consumer complaint received 2022-02-24
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Onity Group Inc. (PA)

In early XX/XX/2021 I began the process of refinancing my home. It was an in house refinance with my current mortgage servicer ( PHH Mortgage ). I went through the process of submitting documents, securing an out of pocket appraisal in anticipation of establishing a closing date. The terms were favorable in terms of the interest rate and the cash out amount I was to receive. When the process was close to being finalized I was informed that I needed a specific type of insurance coverage on the property. The final step was for me to change my policy to a " replacement cost policy ''. That type of policy would have increased my premium by 400 %. The loan was for approximately XXXX, the new insurance would have coverage of XXXX. I asked repeated via email and phone as to why I needed that much coverage. I have yet to receive an answer that makes sense. The loan processors stated that the underwriters generated these terms and requirements. I asked to put in contact with the underwriters several times and asked for a statement from the underwriters explaining why this requirement was in place. I have yet to be contacted by the underwriter or anyone else who could provide clarification.
Consumer complaint received 2023-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Grain Technology, Inc. (WA)

I have repeatedly requested records and documentation supporting their incorrect late reporting on my credit report. The company has yet to respond to my request or provide any of the requested documentation. 

Section 609 of the FCRA grants me the right to request and obtain all information pertaining to my credit report from the respective credit reporting agency, which includes detailed records of all payments made and missed since the inception of my account.
Consumer complaint received 2023-10-19
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: FIFTH THIRD FINANCIAL CORPORATION (CA)

Mortgage ( Fifth Third bank ) company reported a 30 day late on my credit report for month of XX/XX/ in XX/XX/XXXX XXXX  before the 30 days. 

I was dealing with a medical emergency out of country and told them Id make the payment. It was on auto pay but apparently it didnt get set up through their system. I was also in process of buying a home and this issue on my credit came up and prevented me from being able to close on purchase which led to me losing money as well.