davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-07
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (CA)

Backstory : I am XXXX XXXX XXXX and have been banking with Wells Fargo 30+ years. I have multiple personal and business accounts with wells Fargo. I have never ever use my debit card for any point of sale transaction or for any purchases. I have only used my debit card for PIN verification for cash withdrawals from Wells Fargo branches. I have never authorized the charges or have never authorized another person to perform the transactions. 

On XXXX : Two unauthorized debit card charges occurred : 1 from T-Mobile ( {$60.00} ) and 1 from XXXX ( {$2500.00} ) The same day I reported both transactions as fraudulent to Wells Fargo , a Reg-E fraud case was opened for the transactions, and the debit card was closed. 

On XXXX : A provisional credit for both fraudulent charges was given by Wells Fargo while the case is investigated. 

On XXXX : The investigation by Wells Fargo concluded. The {$60.00} charge from XXXX was deemed as fraud and reversed. However the fraud case for the larger {$2500.00} charge from XXXX was denied by Wells Fargo. Wells Fargo stated the case was denied because my address was used for the transaction thus I authorized the transaction or authorized another person to perform the transaction. 

On XXXX : The provisional credit for the {$2500.00} charge by XXXX was reversed. I called the Wells Fargo Debit Card Fraud Department who enforced the case denial despite my protest in not authorizing the debit card transaction. 

On XXXX : After the denial letter was received, I visited a Wells Fargo branch and spoke with the banker there. A complaint was filed for the case denial. 

On XXXX : A representative from Wells Fargo 's escalation department called me and reiterated the claim was denied. 

On XXXX : I visited the Wells Fargo branch again to file another complaint. 

On XXXX : A Executive Office Case Specialist from Wells Fargo called me and reiterated the claim was denied. The specialist also suggested for me to contact XXXX who did not provide any information. 

Despite being a loyal customer for over 30 years, I feel victimized by Wells Fargo. I do not know how my debit card information was used for the transactions since I never use my debit card for any purchases.
Consumer complaint received 2023-02-16
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: SANDY SPRING BANCORP, INC. (MD)

We have a Construction to Permanent loan with Sandy Spring Bank. Mortgage Number XXXX. The loan is broken up into check draws to pay XXXX XXXX XXXX who is doing the renovation on our primary residence. The first payment cleared his bank successfully. The second payment for just over $ XXXX has had XXXX unsuccessful attempts cancelled due to an error at Sandy Spring Bank. I have no confidence this will be rectified in time to satisfy my Contractors required payments for his subcontractors. Your help with this matter is appreciated.
Consumer complaint received 2023-02-20
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: CREDIT ACCEPTANCE CORPORATION (TN)

XX/XX/XXXX I went to XXXX XXXX XXXX XXXX in XXXX tn. I got a XXXX XXXX accord for the price on the window {$2900.00}. I didn't try to negotiate other than asking for a break because the car was disgustingly a filthy disgrace but of course the answer was no. I paid {$1500.00} in cash that day with a deferred pmt to be made in couple weeks of {$280.00}. So I paid for a little bit at $ 285 monthly then started paying weekly at {$80.00} then for a while at {$50.00} either way it went i was never coming out anywhere close to on top. So each week that i was making payments of {$80.00} or {$50.00} i was getting hit with late fees because it wasnt {$280.00} everytime i made that pymnt and four times a month which now has me at {$2000.00} in late fees are you kidding me? which was coming was coming directly out of my check so to make a long story short a year and a half later after paying over {$5000.00} on a {$3000.00} car that was negotiable at the lot I still owe {$6000.00} on this car I've called the company ask them for a payoff less than the amount it says if I paid in full no it's non-negotiable they said my payment is due every XXXX {$80.00} comes out of my check in account and last week they already had me turned into the credit bureau when I checked my XXXXredit score on XXXX they already turned it in that I didn't make a payment and it was set for {$280.00} not the {$80.00} I am a believer that they had me on my credit report on XXXX just to get those late fees again this is wrong to do me this way just because I have bad credit because of a bad divorce they have taken advantage of me like the rest of the world has and I'm quite sick of it and I did forget to say I was driving the car to work one day it was day XXXX that I had bought this car and I was on the side of the road the axle broke and the guy at the car lot XXXX XXXX who sold it to me knew this about the car yeah it did not tell me I also have put about {$3000.00} into this car just to make sure I get a way to work to pay for this car I will never use credit acceptance I will walk before I use this company again they have harassed me the day after I make a payment and I've asked them to stop they refuse and do what they want
Consumer complaint received 2022-12-15
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY (OK)

I was arrested XX/XX/XXXX in XXXX, Oklahoma. During dispute, lost possession of wallet and personal belongings. Was released XX/XX/XXXX. Inside wallet was American Express Serve Prepaid Debit Card containing earned income from old employer, which I set up for direct deposit, using the card provided by tax agency for tax filing. Perpetrator used card to empty out until XXXX in XXXX XXXX while I was jail. Upon release, and realizing card was empty, immediately filed dispute with American Express Account Protection Services. American Express takes 10 days to review dispute, and denied. One of the first questions asked on form is " Did you ever give anybody consent to use this card? ", which I never did. Perpetrator was able to use card as credit without providing a PIN at POS 's. American Express said reason for denial of request would have to completed via mail request and that a response would be sent, which they never did. Filed a police report upon second dispute request, under the impression that it would not be necessary because I was clearly in jail during transactions ' occurrence, denied for 'authorized transactions '. XXXX Police Department recommended to sue in small claims, which I did, and was granted a default judgement of {$1500.00} against the criminal. Perpetrator lives life of promiscuity, refuses to work, and has XXXX assets to enforce/garnish wages. Sought help on two occasions from XXXX XXXX of Oklahoma to no avail. I reverse social engineered perpetrator using XXXX XXXX to get her to admit she stole my card and owed me money on several occasions. I also have messages of myself and perpetrator on XXXX talking of my repayments, I reverse social engineered perpetrator on social media to gather information about her whereabouts to getting her served, and to use her for conjugal purposes. However, I did not ever give her consent to use my card, she stole it was I was in jail. It is American Express 's ill judgment that has caused me much financial crisis ', XXXX and XXXX. I was homeless at the time of my release, and still struggle financially to the present. I Sought help of Oklahoma Attorney General Consumer Protection Unit to no avail. American Express did not respond to O.A.G. Consumer Protection Unit. American Express Account Protection Services permanently closed my account, said at one to file disputes with each individual retailer, and that transactions were authorized because I 'benefited from transactions '. Paperwork was provided at first dispute showing that I was in the XXXXXXXX XXXX  during thefts, and I never gave perpetrator any consent to steal my earned income, at any time. I have ample paperwork of all incidents to corroborate this statement. American Express at one implied that I committed fraud because of the nature of my relationship with past victims, but I suspect embezzlement, discrimination, and abuse of authority.
Consumer complaint received 2023-02-16
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

My complain involves XXXX banks, XXXXXXXX XXXX  and Bank of America. 1. Bank of America checking account was open over 13 years. 2. XXXX checking account was open on XX/XX/XXXX. XXXX XXXX was closed on mid XX/XX/XXXX and was reopened on XXXX XX/XX/XXXX. On XX/XX/XXXX I tried to do an external inbound money transfer of {$3000.00} using XXXX online facility. The money was to come from my Bank of America checking account to my XXXX checking account. After transfer was initiated the money was withdrawn from Bank of America checking account but was never deposited into my XXXXXXXX XXXX. The reference number is XXXX. I see a message at XXXX that Looks like were not able to complete this transaction. Please contact your external bank for more information. I called Bank of America and informed the issue. They created a claim based on my complain. As part of the complain, on XX/XX/XXXX, Bank of America initiated an unauthorized money transfer and withdrew {$3000.00} from my XXXX XXXX checking account and deposited in my Bank of America checking account and closed my claim. But I still have {$3000.00} withdrawn from Bank of America checking on XX/XX/XXXX, that I never received at my XXXX. When I call Bank of America customer service, they say that your claim is resolved and we deposited {$3000.00} back to checking account. When I call XXXX customer service, they say your transaction on XX/XX/XXXX is cancelled and money was returned back to Bank of America. ( I think the reason money didnt get deposited in XXXX was because the account was closed and it just reopened on XX/XX/XXXX ). The money that deducted on XXXX was from my exiting funds with XXXX checking account. I still have not received my money of {$3000.00}, that was deducted from Bank of America on XX/XX/XXXX into my XXXX account. Attached is XXXX details from Bank of America XXXX 2. transaction details from XXXX and 3 XXXX Screenshot of failed external transaction transfer from XXXX. I am frustrated calling both banks. Both banks tell me to call the other Bank. Please help in getting my money back that was withdrawn from Bank of America but never came to my XXXX account. 

A similar CFB complaint was also lodged for XXXX with reference number XXXX.
Consumer complaint received 2023-02-16
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: EQUIFAX, INC. (CT)

In accordance with Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX, XXXX & XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX XXXX 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 an account without my written instructions.
Consumer complaint received 2023-02-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TN)

These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these accounts to be taken out in my name nor they relate to anything I did. I'm unaware of any of this. All is being investigated by the FTC.
Consumer complaint received 2024-03-13
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. (OH)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX  CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX  Balance : {$400.00XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX
Consumer complaint received 2023-10-30
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Paypal Holdings, Inc (OH)

I received a call today, XX/XX/XXXX, from XXXX ID # XXXX at XXXX XXXX XXXX call came from phone # XXXX at XXXX. XXXX stated I had {$27.00} outstanding balance that Pay Pal paid but couldnt tell me who they paid it to or what it was for, he gave me a date of XX/XX/XXXX that PayPal sent it to them for collection but couldnt tell me what date the {$27.00} was from, he gave me a PayPal reference # XXXX then XXXX transferred me to XXXX, she gave me the same statement but added they sent me a letter in XX/XX/XXXX to an address I havent lived at since XXXX, she told me its my responsibility to prove I didnt get the letter??? Makes no sense. I informed her I was contacting you, she informed me this will be put on my credit report and it will ruin my credit. I do not have a PayPal account and never did. I am also a victim of identity theft that started in XXXX and has to this day keeps going.
Consumer complaint received 2023-02-16
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (CO)

In XXXX I took out a home equity line of credit with Wells Fargo. and XXXX when I lost my job I call Wells Fargo to take a loan modification now which I was approved for 36 months I continue to pay my mortgage equity line of credit and tell modification ended and my payments were back to regular amount. I was told that if I didnt pay {$12000.00} upfront they was going to foreclose close on my house so XXXX I file bankruptcy on the XXXX that they said I owe and XXXX my husband passed so I tried to do another loan modification. I was denied. In XXXX, They came back and said I had mess mortgage payments from XXXX to XXXX which I hadnt miss any mortgage payments. My maturity date was on XX/XX/XXXX but Wells Fargo came back to me and told me I still owe {$20000.00} at the end of my maturity date with not give me any reason why from this day I end up selling assets to get the money to pay them off in XXXX because they gave me a new maturity date with any explanation to be XX/XX/XXXX. I feel like Wells Fargo did not on my bankruptcy which they paid the money because they said they did not get any money for bankruptcy. I was trying to figure out if there was any information out there that could help me with my case and recovery the extra money that I feel like I do not owe. 
Thank you
Consumer complaint received 2023-02-16
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. (IN)

I was notified ( XX/XX/2023 ) by my bank 's credit monitoring service that a new account had been added, and my wife also received a similar notification from her bank. I ( we ) did not open an account, so I contacted Experian to determine what had occurred. I ( we ) also contacted the " merchant '' ( XXXX ) to determine what was opened, and how it occurred. I was told by the merchant that they had no record of myself on any new account, but we found that an account had in fact been opened under my wife 's name. In discussions with Experian over the course of a few days, it was determined that I had been listed as an authorized user on this fraudulent account, and Experian instructed me to fill out an FTC dispute and submit it to them as well so it could be added to their file regarding my dispute. Which is what I am now trying to accomplish here.
Consumer complaint received 2023-02-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NEW YORK COMMUNITY BANCORP INC (NC)

My mortgage was just taken over by Flagstar from XXXX mortgage. I finally was able to log in and try to get it set up today. My payment was due XX/XX/XXXX with them following their take over from XXXX. I did not receive an email from Flagstar until XX/XX/XXXX which was after the due date for the payment. Today I logged in and provided my checking account information and made the payment. They would not allow me to set up my auto draft because it was after XX/XX/XXXX. I did not ever have my loan number from them to make a payment on time. They waived the late fee which is seems they were required to do for 60 days. My issue is why can I not set up auto payment? I have to wait and do it after they process my payment they tell me. I had no say in this transfer process but I can not set up auto pay so I can ensure I make my payments timely. I have all of my bills on auto pay so I never miss a payment and do not have to worry about it. Given I can not set this up I'm likely to forget and then I will get a late fee. XXXX did the same thing to me and it should not be allowed. There is no reason I can not set up auto payment given I have logged in and made the payment and provided the routing number and account number so I can ensure I meet my obligations. It feels like they do this to increase the chances they can charge a late fee to consumers by preventing them from easily setting up auto pay.
Consumer complaint received 2024-03-13
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. (GA)

As a victim of identity theft, I discovered several unauthorized inquiries on my report, are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-03-09
Product: Credit card or prepaid card — Gift card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: DISCOVER BANK (CA)

I'm writing to report a gift card scam that I fell victim to on XX/XX/XXXX. I purchased three XXXX gift cards from XXXX, each with a value of {$200.00}, at the request of an individual who claimed to be the CEO of my company. The scammer urged me to send the PIN numbers immediately, and I only realized it was a scam when I checked the card balances and found they had been claimed. I immediately contacted my credit card company, Discover, and reported the scam, and they removed the transaction from my account. However, three weeks later, on XX/XX/XXXX, I received a letter from Discover requesting more information to investigate the case. I contacted Discover and provided additional details of the scam on XX/XX/XXXX, but on XX/XX/2023, I was informed that they did not recognize it as a scam, they would reverse the transaction, Discover is not responsible for this case. However, I was clearly scammed, and I would like to appeal this decision.
Consumer complaint received 2023-01-19
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. (FL)

Dear Sir or Madam : I AM A VICTIM OF ID THEFT, THIS ACCOUNT WITH XXXX, XXXX FOR ( {$2300.00} ) ISN'T MINE. 

Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Enclosed are the following : * A copy of my Identity Theft Report and proof of my identity.

* A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX XXXX * Identity Theft Report * Proof of identity : [ a copy of my drivers license/other government-issued identification card/other ] * Fair Credit Reporting Act Section 605B [ PDF ]
Consumer complaint received 2023-03-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (NC)

I auto pay through my bank. The checks are sent on the XXXX XXXX XXXX of the month. NewRez mortgage doesn't cash my check ontime and I have had several late fees. I now send the check on the XXXX the month prior and the check usually clears by the XXXX. 

I believe this is intentional to charge late fees. 

My 2nd complaint is the escrow dropped my wind and hail. I found out it had lapsed so I added wind and hail insurance through XXXX. Now the mortgage company wants to charge me retro fees for the lapse, going backwards for the entire year.
Consumer complaint received 2020-02-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

BEING A VICITM OF AN IDENTITY THEFT, I HAVE BEEN SENDING MY IDENTITY THEFT REPORT TO THE BUREAUS AND ALSO TO THE COMPANY WHERE THE FRAUDULENT ACCOUNT WAS OPENED.
Consumer complaint received 2023-03-06
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (IL)

Hi the first of the month I noticed there was charges on my account two charges for XXXX $ $ checking second savings {$900.00} I proceeded to call Chase financial JP Morgan Went through all the questions and everything etc etc they gave me {$100.00} in my account... This morning I get a email saying no fraud was recognized in this incidents because the person had my debit card and pin number ... Where the transactions took place was like XXXX Missouri over 6 hours away from me... I have done everything I thought I was asked to do from the bank still no money ... Add this what they told me today something about XXXX wallet on my phone that how get my information add to that part everything on my phone is fingerprint protected and password... There not willing to work with me at all because they said the person had my PIN number told me it loss have a good day