davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-16
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY ()

I had redeemed my employee stock options ( XXXX ) via XXXX ( XXXX XXXX ) on XX/XX/XXXX and the intermediary bank ( Wells Fargo ) had initiated a wire transfer for XXXX INR on XX/XX/XXXX. However, there was an error with the XXXX XXXX Bank account ( XXXX Bank ) number shared from my side. Immediately, I reached out to XXXX XXXX and there was an amendment placed on XX/XX/XXXX and the wire transfer request was updated. However, the transaction did not get through and the intermediary bank in XXXX ( XXXX ) informs the amount being returned back to Wells Fargo Bank NA on XX/XX/XXXX. Reference number for the transaction amount credited to remitting bank on XX/XX/XXXX ( WELLS FARGO BANK NA ( XXXX XXXX ) ) Reference number XXXX. 

I have been following up with XXXX ( XXXX XXXX ) for 2 months now, there has been wire recall request placed with no response. On enquiring when the amount will be credited back to my account, XXXX of the representatives inform that at this point, the wire recall request has been placed. We can not assure or let you know when the funds will be back into your account. I asked them for a contact / escalation matrix of Wells Fargo for which XXXX XXXX deny of providing any information. All they inform is that I have to wait indefinitely. There has been a huge financial impact due to this and I'm now pushed to request for money from my relatives to take care of my situation at home. I sincerely request that the amount be returned back to my XXXX account.
Consumer complaint received 2018-10-06
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: AMERICAN EXPRESS COMPANY (NY)

I applied XXXX AMEX credit card beginning of XX/XX/2018, but the application was rejected because I had two new AMEX credit card within 90 days. After passing 90 days, I applied XXXX AMEX credit card on XXXX, XX/XX/2018 and the application was approved. Before applying the credit card, I checked multiple times whether I am eligible for welcome bonus of the XXXX AMEX card. I checked it over the phone and chat service. The AMEX told me that " yes, you are eligible for the welcome off ''. After the card was delivered, in order to make it clear before completing required spending for the welcome bonus, I wanted to check whether I am eligible for the welcome bonus of the XXXX AMEX, so I called to AMEX. They told me that " No, you are not eligible for the welcome bonus and it might be due to system error. We will fix it within 3~4 weeks ''. I chatted withe them after the 3~4 weeks, they told me that " You are not eligible for the welcome bonus because you mis-used welcome bonus ''. They are changing their words. Please fix it.
Consumer complaint received 2023-04-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC (MS)

I consumer ( XXXX XXXX XXXX looked at my credit report recently and I notice that this company NCA was violating my rights as a consumer. I have done no business with NCA and don't plan on doing business with them. These accounts are hurting my credit report. As a consumer, I have a right to privacy. I no longer have that due to these collections. I have been harassed which is another violation. Please do not tell me that I have not only I the consumer can consider what is harassment. My character has been defamed. I am demanding the following actions below. I have sent them an invoice with all violations. I have attached my license.
Consumer complaint received 2023-04-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc. (TX)

I previously submitted a complaint dye to Caliber intentionally avoiding removing my PMI. I submitted a check along with paperwork that described improvements I had made on my home. Last time, there was no resolution. I decided to wait a few months and try again. I filled out the paper that Caliber sent and filled out the improvements made on my home ( again ). I also mailed in a check for BPO for the price that they had on the paper ( {$150.00} ). Now, once again, they are doing the same thing as last time. They have now sent me a statement saying I have to redo the paper and send a check for {$150.00}. There is nothing ethical about them intentionally avoiding my PMI deletion when I have done the steps asked multiple times. Every time I do what they ask, they change the steps I need to take. Yet again, they cashed my check.
Consumer complaint received 2020-02-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (AL)

THERE IS A BANKRUPTCY THAT IS SHOWING ON MY XXXX  CREDIT REPORT THAT DOES NOT BELONG TO ME. I CONTACTED XXXX  AND WAS TOLD THAT IT WAS VERIFIED FROM THE COURTS WHICH WAS NOT TRUE. I SENT THEM THE PROCEDURAL REQUEST LETTER, I SENT DOCUMENTS WHERE THE COURT STATES THAT THEY DO NOT VERIFY ANY INFORMATION WITH THE CREDIT BUREAUS, I CONTACTED XXXX  AGAIN AT THAT TIME THEY STATED THEY VERIFIED IT WITH LEXIS NEXIS, I CONTACTED LEXIS NEXIS THAT STATED THAT VERIFIES IT WITH THE COURTS WHICH AGAIN IS NOT TRUE. IT IS AGANIST THE LAW TO HAVE INCORRECT AND UNVERIFIABLE INFORMATION ON ANYONES CREDIT REPORT.
Consumer complaint received 2020-02-25
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: U.S. BANCORP (KY)

I recently learned of some transactions that occurred during XXXX and XXXX on my checking account with US Bank that I did not take part in. There were purchases at XXXX XXXX and XXXX, neither of which I actually visit nor shop at personally. I did not notice these transactions until early XXXX for a few reasons : 1 ) Notifications via text for any purchase always seem to get disabled by US Bank and are never reliable. Every time I turn on text alerts they somehow turn off in a week or two.

2 ) I did not regularly check my account balance as I had a second job during the holiday season and wasn't considering the fact that I may have trouble with low funds or unauthorized purchases 3 ) I made a large number of purchases during this time for XXXX and didn't notice these whenever I did take the time to quickly peruse the US Bank app I filed a fraud complaint with my bank and they made no effort to contact me ; it was only after calling in after 15 days ( when I was told I would have provisional credit within 10 ), that I was told it was closed and the only details were 'invalid facts ' because debit cards with chip readers can not be counterfeited, and these were PIN-based transactions, or similar wording. I received nothing in the mail or no communication otherwise. 

I did not make these purchases, however, the person most likely responsible is the one and only person who had actual physical access and use of my card, which was my partner at the time. We lived together, shared expenses, shared bank and credit cards with each other when the other needed help, etc. We trusted each other obviously because we had been in a relationship for several years. This is the only person who could have done this, and while I believe she had to have, I am also not willing to ruin this person 's life by providing her name and contact information because despite no longer being together for unrelated reasons, I don't want to bring this kind of situation down on someone I spent part of my life with, even though she has to be the responsible party. 

I have been with US Bank for ~16 years and they have always been helpful with any and all of my issues until now, but it only takes this one situation to make me want to leave unfortunately.

It's ~ {$300.00} that added up over 7 purchases between XXXX and end of the year. Details below. 

XX/XX/XXXX - XXXX XXXX - {$34.00} XX/XX/XXXX XXXX XXXX 'XXXX  - {$110.00} XX/XX/XXXX XXXX XXXX 'XXXX  - {$55.00} XX/XX/XXXX - XXXX XXXX  - {$18.00} XX/XX/XXXX - XXXX XXXX  XXXX {$40.00} XX/XX/XXXX - XXXX XXXX XXXX {$69.00} XX/XX/XXXX - XXXX XXXX  - {$4.00}
Consumer complaint received 2024-03-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I want my account status updated its not 120 days past due. You are maliciously allowing this company to mess up my credit report the status I repeat is not 120 days past du XXXX, TRANSUNION Last XXXX XXXX RE : XXXX XXXX XXXX To whom it may concern, I am contacting you account. because I have found some information that is PRIVATE BY LAW on my credit repor You are reporting a late payment on MY ACCOUNT .and accordance with the fair credit act XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

11.8K 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end XXXX consumer credit plan as late for and purpose 15 USC 1681 S- 3 : ANY REPORT CONTAINING INFORMATION SOLELY AS TO TRANSACTIONS OR XXXX EXPERIENCES BETWEEN THE CONSUMER AND THE PERSON MAKING THE REPORTI This PRIVATE I request that you verify the information and update the payment history account as " PAID, NEVER LATE '' in my status I am not 120 days past due your maliciously messing up my score and I dont owe you guys a dime immediately. 
After doing so please provide me with an updated reflecting the changes. 

Best Regards, XXXX XXXX
Consumer complaint received 2018-10-06
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: FIRST NATIONAL BANK OF OMAHA (NY)

Since XX/XX/2018 - Present this company claims to be National Bank of Omaha calls from phone # XXXX repeatedly starting at XXXX hangs up calls each minute after back to back 3x a day and they do this every single day even though theyre blocked they keep harassing.
Consumer complaint received 2017-12-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (NY)

About 3.5-4 years ago I contacted XXXXt to inquire ways of avoiding delinquency as I was going through a series of personal events - my father XXXX, was going through a XXXX, had a XXXX  child and the real estate market bubble ( I was a XXXX ) had burst. I was told on different occasions there was not much to be done as those were n't strong enough reasons and or pushed to terms that I was n't able to afford. 

My credit suffered tremendously due to the delinquency. I have tried numerous times to come to terms with XXXX and have asked them for help, but have received none. 

It came to light that I was n't the only one and that a lawsuit is pending because of the same practices I experienced. I am hoping this time I am able to get some relief and have the multiple 90 and 120 days late deleted - at least the most recent ones. Last late payment was XXXX months ago.
Consumer complaint received 2022-11-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

When I investigated my credit report, I realized that some of the information was erroneous. The XXXX and Equifax credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable, as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Every XXXX and Equifax credit bureaus shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at XXXX and Equifax are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/2015 Balance {$0.00}
Consumer complaint received 2022-11-07
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. (NE)

When I reviewed my credit report, I discovered the erroneous accounts. The 3 credit bureaus must verify these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be deleted from erroneous reporting in my file. 

XXXX 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
Consumer complaint received 2022-11-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (PA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA, XXXX Address ID # XXXX never lived here not my address in accordance with the Fair Credit Reporting act experain ; XXXX ; XXXX has violated my rights. 

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
Consumer complaint received 2023-01-26
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. (TN)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX and XXXX, has violated my rights. 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 View full complaint
Consumer complaint received 2022-11-07
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. (NC)

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 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 2024-03-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Today XX/XX/year> Bank of america charged me a XXXX dollar " monthly maintenance fee '' which they are not supposed to be doing. I meet all the requirements to avoid it. This happened in XXXX and I filed a complaint and now they're back to doing it.
Consumer complaint received 2020-02-25
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (FL)

Equifax, First of all I would like to thank you for removing my fraudulent information reporting on my file. But In doing so you s also decided to delete my 4 Student Loans, XXXX Account, last year you removed two XXXX XXXX Accounts, 3 XXXX accounts, and a XXXX. I am currently requesting that you place my correctly paid as agreed accounts to my report and stop reporting the fraudulent information. I have enclosed a copy of my credit report showing accurate information that needs to report and not removed.
Consumer complaint received 2022-12-29
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. (AZ)

In accordance with the Fair Credit Reporting Act XXXX XXXX Account # XXXX- XXXX has violated my rights. 

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.
Consumer complaint received 2020-02-25
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Total Loan Company, LLC (IL)

Numerous calls throughout day and night and not given a call back or voice message when calls are done during late hours or work hours. 

XX/XX/2020 recieved a threatening letter stating intent to be hit with a lawsuit.
Consumer complaint received 2023-04-13
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: HUNTINGTON NATIONAL BANK, THE (MN)

XX/XX/2023 - began the process of securing an apartment in XXXX, XXXX  since I am moving there in XXXX from XXXX, XXXX. 

XX/XX/2023- received a lease form ( signed ) and a request for the first months rent as a security deposit to be sent via zelle or wire transfer XX/XX/2023 - was able to send the first {$1000.00} to the " landlord '' and have a receipt which shows it as delivered. Leasing agent said that they never received the funds. 

XX/XX/2023- received a threatening email from the landlord that I had not paid in full, or any amount for that matter, and needed to send {$2400.00} immediately or else they would lease the apartment to someone else. 

at this point I knew it was a scam so I filed a dispute with my bank on XX/XX/2023 and as of XX/XX/2023 they denied my request saying that I was a willing participant in the XXXX transfer and there was nothing they could do to get me my funds back despite me stating it was a scam.
Consumer complaint received 2017-11-02
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (SC)

I submit a previous complaint ( XXXX ), the company respond to you, but I 'm not agree with their answer. 
According to their letter they reclassified a deferred interest into a deferred principal without my authorization, and as far as I know is illegal to do any modifications to a mortgage without concert of the owner. 
I did a modification back in XXXX XXXX, XXXX with XXXX ( original lender ), the mortgage has been sold 3 times now. I have a letter from XXXX dated XXXX XXXX, XXXX XXXX 3 months after the modification ) where they say that my PMI was supposed to be removed back in XXXX/XXXX/XXXX where a XXXX XXXX XXXX took place. 
Now this company apply the deferred interest as part of my principal balance, raising the principal from XXXX  XXXX thru $ XXXX. They want to keep making additional XXXX a month in PMI. Every time that I request documents to them, they ca n't submit anything to me. I called at least XXXX times requesting the modification paperwork, every time they give me a 5 days to send me the paperwork. Never received anything from them. Very bad customer service, very rude people with their clients. Still waiting for the next day phone call from one of their supervisors in XXXX at XXXX ( XXXX XXXX XXXX. He was supposed to called next day to give me an explanation about my case. 
I need you help with this case. 
Thank you
Consumer complaint received 2022-11-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

I am so new when it comes to credit i tried to pull my credit report and it would not allow me to so after providing all information i noticed someone was using my full identity to acquire credit cards and apartments and a auto loan Credit card Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Auto Loan Accounts : XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries : XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX AUTO FIN 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 AND ALSO A BANKRUPTCY CHAPER XXXX I havent had enough CREDIT TO FILE bankruptcy