davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (CO)

I was in the process of closing a business account which caused my Wells Fargo truck payment to be declined. I received a phone call on XX/XX/XXXX and was told my account was late. I informed the supposed wells fargo employee that I would make the payment shortly after I corrected my bank account information. She pressured me to pay over the phone, however, I refused due to the number of scammers that are allowed to function in society today. She pressured and I refused. Apparently, this conversation didn't sit well with this person as i believe she sabotaged my account going forward, due to the following XXXX issues with my account : XXXX. I stopped receiving phone calls from Wells Fargo regarding my account. 
XXXX. I stopped receiving emails from Wells Fargo regarding my account. 
XXXX. The new account I set up for recurring payments ( I had to do deposit verifications for this account, so the account IS LINKED, ) however, my recurring payments that I setup apparently got cancelled somehow. I went back into my account to try to resetup the recurring payments but the website will not allow it ( attached ) which is even more indication that my account was tampered with. 

Due to the lack of notifications from Wells Fargo and the mystery cancellation of my new recurring payments, I received a 30 day late. This was the only notification that my account was past due. I have perfect credit and no lates on my credit report other than this one. 

I received the 30 late notification on XX/XX/XXXX from XXXX and I immediately called customer service but they could do nothing about it, so they opened an executive request. I received a call back from someone a week later. She was prepared to tell me something but apparently had no information regardng the problem. I informed her of the issues surrounding this account and she said they would get back with me. They never did. 

I have since paid off the {$60000.00} truck loan as I can no longer trust doing business with Wells Fargo due to this issue and their lack of concern for it. They apparently think I'm just another person who does not pay their bills which is obviously not the case here.
Consumer complaint received 2024-01-29
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: DISCOVER BANK (OH)

My discover card was charged over XXXX dollars in unauthorized charges, I have showed them proof from the vendor that this is incorrect during the time I had a dispute open with discover, now discover is trying to re bill me for all of these charges I did not make.
Consumer complaint received 2024-01-29
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (FL)

On or around XX/XX/XXXX, I reached out to Citi Bank customer service to address a financial hardship. I requested a deferral or the option to add my XXXX payment to the balance. The agent informed me that Citi Bank does not accommodate such requests. Consequently, I asked for the removal of auto-pay from my account to handle the payment personally. The agent assured me that this request was fulfilled, requiring no further action on my part. 

On XX/XX/XXXX, I discovered that Citi Bank/Best Buy had debited {$580.00} from my bank account without my consent. Upon inquiring, the agent stated that the deduction covered payments for XX/XX/XXXX, XXXX, and XX/XX/XXXX. I questioned the unauthorized deduction and received no satisfactory explanation. Frustrated, I terminated the call and initiated contact with my bank, disputing the charges for lack of authorization. 

It's crucial to note that the agent refused to clarify why XXXX was included, consistently redirecting the conversation to prompt a payment. I promptly contacted my bank, disputing the charges for the same reasonI had neither authorized nor given permission for such deductions. Prior to this incident, I had consistently made timely payments. 

Around XX/XX/XXXX, I contacted Citi Bank again to arrange a payment plan. However, the agent informed me that my account had been closed due to being 37 days late. The only option offered was to agree to a monthly payment amount, with interest accruing on the closed account. I find this action unfair and biased, as I have never encountered a situation where an account is closed for a mere 37-day delay. This appears extreme, especially considering my history of on-time payments since acquiring the card. I suspect that XXXX  may have played a role in these decisions, and I believe the actions taken by Citi Bank are disproportionate to the situation.
Consumer complaint received 2024-01-29
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: Experian Information Solutions Inc. (MO)

Experian starts this week like they started and FINNISHED last week WITH ANOTHER LIE but that's expected from this fraudulent crooked company. You can never view the disputes
Consumer complaint received 2024-01-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: BTH Management (FL)

In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purposes
Consumer complaint received 2024-01-29
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc ()

My PayPal Account was permanently limited last XX/XX/XXXX, XXXX provided and sent all documents needed to restore my account but unfortunately my account was still permanently limited. The case I'd is : XXXX, I am doing legally in my business and I provided all documents to prove that my business is legitimate. Help me to restore my account.
Consumer complaint received 2024-04-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Violation of Consumer Rights under 15 U.S. Code 1681c-2 I hope this letter finds you well. I am writing to bring to your attention a matter of significant concern regarding the reporting of an account on my credit report that has been formally reported as an incident of identity theft. As a consumer, I believe that my rights, as outlined in 15 U.S. Code 1681c-2, are being violated, and I am seeking your prompt assistance in resolving this matter.
Consumer complaint received 2024-01-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CORELOGIC INC (IN)

AS A CONSUMER I AM SUBMITTING THIS REPORT TODAY. THE CREDIT REPORTING AGENCIES XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX AND XXXX HAVE VIOLATED 18 USC 1028A, WHICH PROHIBITS AGGRAVATED IDENTITY THEFT. THIS VIOLATION OCCURED WHEN THESE ENTITIES FURNISED INFORMATION WITHOUT MY CONSENT. INCLUDING THE FOLLOWING ACCOUNTS XXXX XXXX XXXX ON MY CONSUMER REPORT. ADDITIONALLY, THEY HAVE CONTRAVENED 15 USC 1681B, which outlines the permissible purpose of consumer reports. I have requested Form SSA-89 from XXXX XXXX WHICH IS A FORM THAT SHOULD BE FILLED OUT, THEN SIGNED BY THE CONSUMER ( MYSELF ) AS PROOF OF APPLYING FOR THE SAID CREDIT. THE CREDITOR THEMSELVES DO NOT HAVE SUCH DOCUMENTATION AS THS, WHICH MEANS THEY HAVE FAILED T DO THEIR JOB AS A RESPONSIBLE CREDITOR AND KEEP SUCH FILES IN THEIR RECORDS FOR THESE REASONS, SO THAT IF IT IS REQUESTED WE WILL KNOW WHO, WHAT WHDEN AND WHERE TO PROCEED ON SAID CASES AS THIS IN THE EVENT OR FRAUD AND IT IS DEEMED AS SO MY PRIVACY HAS BEEN VIOLATED AS WELL 5USC55SA!!!! IAM NOW TRYNG TO PURCHASE A HOME AND THIS IS THE ONLY ITEM NEGATIVELY AFFECTING MY CREDIT IN THIS CASE. PLEASE REMOVE IN THE 1-4 BUSINESS DAYS AS THE DISPUTING TIMEFRAME HAS BEEN ELAPSED AND THE SAID FORM NOT RECEIVED. THANK YOU FOR YOUR PROMPTNESS.
Consumer complaint received 2024-01-29
Product: Checking or savings account — Other banking product or service
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: Chime Financial Inc (IL)

On XXXX XX/XX/year> I received an email stating successful opening of an account with Chime bank. I never authorized nor requested an account being open. 

Upon contacting the company there was no way to report fraud or get the account closed as fraud nor were they able to supply any information on how the account was opened. When I was finally able to get them to authorize the account to be closed, was informed that it would take 5 business days and the confirmation email had no mention of fraud. The confirmation stated Following a recent review of your Chime Checking Account, we regret to inform you that we have made the decision to end our relationship with you at this time. Your Checking Account will be closed on XX/XX/year>. 

Why does it take 5 days to close a fraudulent account? Why could they provide no information on policy/how the account was opened and why does the resultant communications imply that I was at fault?
Consumer complaint received 2024-01-29
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: A&D Mortgage LLC (CA)

XXXX XXXX XXXX was servicing my mortgage. I started inquiring about mortgage assistance in XXXX XXXX. I made it very clear to XXXX that I did not want to miss any payments during the process of applying for a loan modification. After several months of gathering and sending the requested documentation ( still making payments ), XXXX finally approved a trial loan modification for 3 months stating : " Once you have successfully made each of the payments above by their due dates, you have submitted two signed copies of your modification agreement, and we have signed the modification agreement, your mortgage will be permanently modified in accordance with the terms of your modification agreement ''. 

However, during the trial period, XXXX sold my loan to AD Mortgage. I started getting notices on my credit reports that my mortgage had become 30 days, then 60 days late while I was making these payments because they weren't applying the trial payments to my account... they were suspending them. I made several phone calls to both companies to make sure my trial modification was transferred to AD Mortgage. I was told that it will be transferred and I was to keep making the trial payments. After I made the 3rd payment, I called AD Mortgage to find out when they were going to send the documents for me to sign. They said the would contact me after the XXXX of the XX/XX/XXXX. I had not heard from them by the XXXX so I called again. I was told that my loan modification was denied " after further review '' due to XXXX and If didn't make a payment of {$11000.00} by the end of XXXX, they would start the foreclosure process because I would be XXXX months behind on payments. AD Mortgage refuses to honor the original agreement. It should not have been subject to further review after approval. I sent a Notice of Error to both companies.
Consumer complaint received 2024-01-11
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY (FL)

Basically what happened is that I report XXXX fraudulent transactions made through XXXX from my bank checking account ( Wells Fargo ) the first of XXXX to " XXXX XXXX '' Ref # XXXX and the second of XXXX to XXXX XXXX XXXX # XXXX. The solution that Wells Fargo gave me was to go to my cell phone service provider in this case ( XXXX ) a documentation that my phone has been compromised so I went and they told me that they are not able to give that type of documentation and that the only thing they can give me is an invoice for the cell phone payments and a call history ( I will attach these proofs below ). So I turn to you as my last option to solve this.
Consumer complaint received 2023-10-30
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Atlanticus Services Corporation (FL)

my XXXX Fortiva bill I was charged a {$30.00} late charge because my XXXX payment didnt go thru. The XXXX payment didnt go thru because the card expired and I didnt know. I corrected it immediately. They gave me the {$30.00} late fee credit. The XXXX bill was {$76.00}. Usually its {$61.00}. When I called in XXXX the rep told me the XXXX bill would be corrected. Now the XXXX bill is still {$76.00}. I called today ( XXXX ) and now Im being told its XXXX bill. So basically they reversed the {$30.00} late fee but still charging the the {$30.00} late fee by charging an extra {$15.00} in finance charges and I disagree. Its a scam!
Consumer complaint received 2024-01-29
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (PA)

On XX/XX/XXXX I made a purchase for XXXX from the company XXXX. As of XX/XX/XXXX I still did not have the package XXXX gaurentee me it was not lost and they had to extend the delivery date. XXXX came and went and still nothing so I again contacted them because I got email stating delivered but I never got NO RESPONSE. At this point Im getting nervous so I contact chime to dispute the charge. No problem. They did however told me because of the type of dispute XXXX wasnt offered a provisional credit and it will be decided on by XX/XX/XXXX. In the meantime all the sudden shein gets ahold of me telling me that they cant refund me until I drop the dispute with my back. I explained thats fine but please know I will have to start all over if I cancel and u dont follow through. No response. But I go ahead and cancel it. Still no response. I email, email, message, email them and they go back and forth that the dispute wasnt canceled. I showed them the letter from Chime, nope. She finally says that there is nothing they can do I have to go through my financial institution. This is where it gets tricky because I dont know who to file the complaint about. XXXX or chime? So I go back to chime show them all the emails of them telling me theyll issue my refund if I cancel dispute then cancel dispute and they tel me I need to go through my bank. Chime denies dispute. I ask numerous time for reason and get nothing. I file a rebuttal through chime again asking for original REASON IT WAS DENIED so I can make sure they have all info. AGAIN DENIED. THEY GAVE ALL INFO Gm if XXXX telling me I will recieve refund yet they keep denying refund. Still dont have what they are denying for.
Consumer complaint received 2018-12-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL (NY)

Paypal Credit has charged me a late fee, because I paid too early. 
I received the email statement, and paid right away, however, the payment was applied to the statement period just ending, and not applied going forward. so then, the next period was declared late, because they applied it going backwards. 
this is ridiculous. they refuse to reverse the late fee. 
I think it's fraud, for them to send me a notice to pay a bill, that they are not ready to process.
Consumer complaint received 2024-01-29
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Selene Holdings LLC (GA)

My home is being foreclosed on with fraudulent assignments that have been robo signed i am also a victim of DUAL TRACKING.. While in the process of working with the mortgage company on a loan modification my loan was sent to XXXX XXXX for foreclosure. This is clearly against Federal Law. They are trying to take my home because there is over XXXX in equity. 
I sent a QWR in XX/XX/2023 and they have not responding or acknowledged my correspondence. i asked for the gap accounting in a debt validation,
Consumer complaint received 2024-01-29
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (MI)

I have frozen my reports through LexisNexis and received a form with the pin confirming it was frozen. I tried to get a XXXX quote and a few days later received an email from XXXX stating I did not receive the best quote due to information it pulled through LexisNexis.
Consumer complaint received 2024-01-29
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: HUNTINGTON NATIONAL BANK, THE (WI)

On XX/XX/2023 I went to the bank named Huntington located on XXXX XXXX XXXX XXXX XXXX, WI XXXX United States I usually deposit cash through their ATM to my bank account ( XXXX XXXX XXXX ) located on XXXX XXXX XXXX XXXX XXXX, WI XXXX United States. I used Huntingtons service as usual, inserted my card, entered my pin, placed the cash {$310.00} USA DOLLARSin the ATM, the cash {$310.00} got stuck and the ATM ate the cash and didnt gave it back. It was not deposited into my bank account either. 
I have done this type of transactions through their ( Huntington ) ATM XXXX times with no issues at all only that one time in XX/XX/2023 at XXXX. 

I called the number provided in the ATM XXXX to see if I could have solved the issue through them but they said they said they couldnt do anything because it was my bank. 
I also contacted my bank and also went in person with my bank to create a dispute because Huntington said I should do that but nothing has resolved. I went in person to talk to the Manager at the Huntington branch same location ATM was at but the manger said she couldnt do anything about it because their branch had nothing to do with the ATM even though its the banks ATM. Also she said even if she looked at the cameras she would not be able to give me my cash back because again, the Huntington ATM had nothing to do with the actual bank.

I have been waiting for my money for the past 6 months now.
Consumer complaint received 2024-01-29
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: T.S. Holdings (NC)

I do not recognize this account, the amount that they are charging me, I do not know what it is, they never contacted me, it is an account that has been active since XX/XX/2023 from a believer that I do not know, the amount that they are reporting to me is {$1900.00}. I have already written to the different credit bureaus reporting this situation and they have not given me a solution. I do not have Letters or documents or receipt of what I am being charged, which I do not have the slightest idea of where this debt that is affecting my credit report comes from.
Consumer complaint received 2023-08-26
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO. (UT)

XX/XX/. I was notified that my account was frozen I called them. They told me that a wire transfer came in from XXXX XXXX XXXX. They deemed it fraudulent I called them ask them what the policy was I was told by XXXX a back office supervisor that they needed to verify the funds And they wanted a phone number that they could call the person who sent the wire transfer. I provided it her name is XXXX XXXX. I gave them her phone number they called her and verified the phones. They then told me that they had to verify me are you kidding me they gave me a business account and they cant verify it. I verified my EINnumber from the IRS tying me. To my business XXXX XXXX now theyre telling me they still cant verify it isnt an interesting they gave me a Business Acct and now they can verify it. They are stealing my money. I need somebody to intervene and give me answers please
Consumer complaint received 2024-01-29
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS (FL)

Lexis Nexis is reporting accident claims for me that belong to my ex husband. The agent never split the household but i was asked to submit my driving record and the list of claims from XXXX  which clearly show that the claims do not belong to me. As a result it is reporting to all insurance companies that the accidents are mine
Consumer complaint received 2024-01-29
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (CA)

I was instructed by XXXX XXXX to send two payments from my small business account to a company called XXXX XXXX XXXX in XXXX. 
From JPMorgan Chase : 1st payment amount is {$80000.00}, sent out on XX/XX/XXXX. 
2nd payment amount is {$70000.00}, sent out on XX/XX/XXXX. 

Soon realized it is scam due to unable to locate XXXX XXXX. 
I called the Chase Fraud department on XX/XX/XXXX. 
Filed report on IC3.gov on XX/XX/XXXX. 
Filed report on The FTC on XX/XX/XXXX. 

I haven't heard anything from Chase bank. No any guidance either. 

Please help me! 

XXXX XXXX
Consumer complaint received 2024-01-29
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: Self Financial Inc. (FL)

I am in the process of trying to get a home and these negative items are significantly affecting my credit report and hindering me from getting a preapproval to have a secured place for XXXX  and my XXXX XXXX.
Consumer complaint received 2024-01-29
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO. (TX)

I have a Chase checking account and credit card from Chase. When I make a payment they immediately debit the payment from my checking account and adjust my checking account balance but do not immediately adjust my credit card balance in turn. If they can debit the transaction from my checking account instantly and decrease my balance, they should credit the payment to my credit card and adjust that balance immediately as well. Theyre not waiting on the payment to clear as they immediately take the money from my checking account once I submit it.