davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-12
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: AMERICAN EXPRESS COMPANY (IA)

Earlier, I filed a complain regrading how amex issue and authorize me for two XXXX XXXX platinum cards. After signup for both, I was never able to access the account that I never used that card myself being totally unaware, was decided to be charged for the annual fee. I paid the remaining balance which my roommate made purchases with ( without my knowledge ). When I updated and informed them with that. They still decided to charge me the annual fee keeping the so called " balance ''. I have decided that I'm NOT going to pay that annual fees as is it totally unfair practice on the amex side. I've never had balance on ANY of my cards ever. But today, I had it all, I tried using my other cards which were ALWAYS paid on TIME ( AND NEVER MISSED A SINGLE PAYMENT ), it got declined saying I had balance on some account. 

So moving forward, I am writing this to you CFPB, if you are so called decision making authoritative organization. If you have any power try to reach them out any get it resolved, if not I won't be paying any balance on any amex card and would NEVER be their customer! THANK YOU!
Consumer complaint received 2024-03-29
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: WELLS FARGO & COMPANY (AZ)

Please refer to CFPB Complaint XXXX. I received a letter telling me only that they confirm money was received by recipient only days after it was sent to XXXX. This is not true. I have asked at least XXXX times to provide proof, including the XXXX that the XXXX XXXX says they need to track the payment and not XXXX time, after multitude of calls have I received any PROOF the money was received. The office of the XXXX at XXXX called me multiple times to say the wire department was working on it and eventually I got a closed complaint letter XX/XX/XXXX saying they did everything right and if I want more info to call them. I called them that day and was on hold for XXXX minutes and hung up. I called the person responsible for handling my complaint- Raza at the number she provided me-and after someone tried to transfer me I was on hold another XXXX minutes- I hung up after that. I am furious at this treatment. I want PROOF that the money was received in XXXX I have involved multiple people in XXXX and the manager confirms that it is not anywhere in the federal bank system as being received. A note, other bank sent over $ XXXX ( was purchasing a home for my mother in law that lives there ) to the same account with XXXX issues. I want useful documentation from Wells Fargo that the money arrived in the recipients account, so that XXXX can track it. Or I want the refund of {$1200.00} plus wire fee.
Consumer complaint received 2023-01-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: REGIONS FINANCIAL CORPORATION (MO)

XXXX, Regions Bank inquiries about unauthorize use of complainant 's Regions debit card. 

The Complainant traveled to XXXX XXXX XXXX XXXX XXXX XXXX XXXX, gas pump # XXXX, on XX/XX/2022 at approximately XXXX pm to purchase fuel. At which point, he bought fuel at pump # XXXX for an approximate total amount of {$9.00} using his Regions Bank Visa debit card. That same day, he noticed a {$69.00} charge pending on his debit card in the transaction detail section of Regions online services, from XXXX XXXX XXXX XXXX MO XXXX. See the XXXX XXXX of XXXX document titled " Transaction Detail '' below on XX/XX/2022, after receiving notice that payments were no longer pending and the amount of {$69.00} was final. The Complainant immediately dialed ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX but was unsuccessful in resolving this matter with the XXXX XXXX employee. This employee will be identified in the complaint as ( XXXX XXXX. The Complainant is owed an apology for interfacing with an ignoramus employee ( XXXX XXXX. XXXX XXXX, XXXX XXXX is the epitome of XXXX 's definition of ignorance. For the love of XXXX, again this employee will be identified in this complaint as ( XXXX XXXX. 
The XXXX returned to XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XXXX XXXX, to obtain the gas pump number for this complaint. The following incident was observed by the complainant, as shown in the photos below : Pump XXXX was not open to the public at the time. The pump 's arm was covered in plastic, as shown in the photo below. The complainant also observed pump # XXXX displayed the same price as was charged to his Regions Debit Card on said date XXXX days later. 
In summary, the Complainant immediately demands that his Regions Debit Card be returned of the overcharged funds of {$60.00} and again an apology to deal with such ignorant employee. You can reach me at the address above if you have any questions about this request. The official submission of material synopsis of the event led to XXXX XXXX XXXX XXXX XXXX MO XXXX, as described above, overcharging my debit card of the said amount ; see attached photo titled Transaction Detail. Please note all affixed materials are made part of this complaint and will be used to justify the claim of overcharge on Complainants visa debit card ending with XXXX, as stated above. 

The top prosecutor in Missouri tried to settle this dispute but couldn't because the vendor didn't respond the way the complaint asked him to. However, Regions Bank exerts considerable influence in attracting the vendor 's attention, but more needs to be done.
Consumer complaint received 2023-05-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

According to my research about FCRA 605, 3 credit bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that CREDIT BUREAUS must remove are listed below : XXXX XXXX XXXX XXXXXXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NC XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX  XXXX XXXX Balance : {$0.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2019-12-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Back in 2015 Capital one has opened two fraudulent credit accounts, one for {$3600.00} and the other for {$4000.00} under my name, I have contacted them many time letting them know that I did not opened any account with them, but they keep discarding my requests. I have filled with FTC for identity theft and have sent a copy of the report to Capital one.
Consumer complaint received 2019-12-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NJ)

I have been trying to have these 2 disputes resolved since XX/XX/XXXX and XXXX 2019 Dispute case # : XXXX -- This case has now been reopened as a fraud case # XXXX on XX/XX/2019 XX/XX/2019 - original charge {$250.00} Dispute case 2 # XXXX XX/XX/2019 {$110.00} This case has been closed and my provisional credit removed. 
I have attempted to resubmit this as a fraud case but have not received proof or my provisional credit I have also submitted a request for proof of how this was decided not in my favor but was only given generic emails XXXX XXXX XXXX XXXX  XX/XX/2019 is who I spoke to from USAA fraud department. I was told both charges are now being looked at as fruad but still have not received my provisional credit or email with documentation.
Consumer complaint received 2020-03-02
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: BMO Bank, N.A. (IL)

Hello! In XX/XX/XXXX, I received a promotional offer from BMO Harris where if I set-up a Money Market and Savings account and fulfilled the requirements, then I would earn the {$700.00} bonus offer. I had received the promotional code and opened up my accounts on the BMO Harris website where I entered in the promotional code at least three times during my account set-up. I made sure to complete all necessary requirements to qualify which included : depositing {$10000.00} into the savings account within first 30 days, link direct deposit to Money Market and have at least {$6000.00} within 120 days of account opening, and completed at least 10 transations. In XX/XX/XXXX, I reached out to BMO Harris on the mobile app where I submitted an email inquiry checking on the status of my bonus. On XX/XX/XXXX, an employee named XXXX confirmed that I met all requirements and the bonus will be paid approximately 150 days from account opening date of XX/XX/XXXX. On XX/XX/XXXX, I followed up requesting an update and received no response. On XX/XX/XXXX, I printed off all of my documentation and went to a neaby BMO Harris branch in my city. The address of this bank is : XXXX XXXX XXXX XXXX, XXXX, IL XXXX. A banker named XXXX XXXX ( XXXX, XXXX ) then said there was nothing they could do to help since I opened the accounts online and not at a branch. They directed me to call the toll free number XXXX in order to speak with a representative about the status of my promotional bonus. I called in to this number multiple times and the representative claimed that my promotional code was not showing up on my account and there was nothing they could do about honoring the bonus I was owed. They did not provide any assistance with helping get this issue resolved and help try to keep me as a banking customer at BMO Harris. After these calls, I reached out to the BMO Harris XXXX page to try and be directed to a representative that would be of better assistance. I was directed to XXXX where I spoke with him on the phone and he asked me to send him an email with all of my documentation and that he would escalate this issue with the marketing team. I sent my first email to XXXX on XX/XX/XXXX and the email was : XXXX. I received no response from this email, so I followed up once more on XXXX. Throughout these last few months, BMO Harris has been difficult to work with in order to resolve this issue. An employee named XXXX confirmed that I successfully completed all requirements, but I have yet to receive any bonus payment. At this point, the only reason I haven't closed my accounts with BMO Harris yet is because the bonus is still pending. This experience has been upsetting as I wanted to remain a BMO Harris banking customer, but the customer service shown has been disappointing. I sincerely appreciate any assistance with this issue. Thank you!
Consumer complaint received 2023-05-05
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. (TX)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ), AMOUNT {$1000.00}, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX  XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ), has violated my rights.

1

5 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 inst
ructions
Consumer complaint received 2023-05-05
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. (NC)

Tuesday XXXX, my husband and I submitted ONE construction loan application with only our bank because we trust our bank with our assets and information. Wednesday XXXX, a disturbing amount of calls and text messages to my cell began. By Thursday XXXX, I received over XXXX calls from lenders. Some, like XXXX XXXX, stated that they were given our social security numbers and credit scores from the credit bureaus. Some mentioned XXXX specifically. One mentioned XXXX XXXX ( the company that ran our credit for the bank ). Selling our private information to hundreds of companies should be a violation of our privacy and safety. When our bank ran our credit, we trusted that our information would be safe. We had no idea the credit bureaus would sell our information. 

I wasted the last three days answering calls, signing up for accounts to freeze our credit and add fraud alerts, signing up for opt-out prescreen and the do not call registry, and researching what to do and how this could even happen. It is our choice who we apply with and not a credit bureau 's. Consumers should have to opt-in for trigger leads and sign up for accounts for their information to be shared and not the other way around! We werent interested in working with other lenders or having the credit bureau send even one of the more than 100 lenders to my cell phone. 

Everyone I communicated with at XXXX claims XXXX never shares phone numbers, credit scores or socials. That is a lie. All of the lenders obtained our phone numbers through XXXX, XXXX and Equifax from their trigger lead, prescreened and pre-approved programs. They also shared our information with scam callers. Before Wednesday, my cell rarely received phone calls. Now, I cant get work done because of the calls and stress. When I ignore the calls, they just keep calling back. Im forced to answer to plead with the lenders to stop calling. Our financial security is at risk thanks to the credit bureaus. Their trusted partners now have all of the identifying information needed to access our money and create accounts in our names. 

I attached some of my call log from Wednesday to Thursday XXXX. No one should have to go through this and be punished for working hard to maintain good credit. Its shameful to pretend the trigger lead and prescreened practices are to benefit consumers. It's all about money and not caring who the credit bureaus harm.
Consumer complaint received 2024-04-05
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rent Recovery Solutions (SC)

Noticed that on my credit report a third party company took over a debt for apartment complex I no longer live without any notice I don't have any knowledge of third party company and didn't give them the rights to report a debt that I never even verified to be on my credit reporting accounts
Consumer complaint received 2022-09-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

REGARDING - extension of the student loan repayment pause Due to the economic challenges created by the pandemic, the Biden-Harris Administration has extended the student loan repayment pause a number of times. Because of this, no one with a federally held loan has had to pay a single dollar in loan payments since President Biden took office. 

To ensure a smooth transition to repayment and prevent unnecessary defaults, the Biden-Harris Administration will extend the pause a final time through XX/XX/XXXX, with payments resuming in XX/XX/XXXX. 

HOWEVER - XXXX HAS BEEN HARASSING ME ABOUT LATE PAYMENTS AND INTEREST CHARGES BOTH ON THE PHONE AND IN THE MAIL OVER THE LAST TWO YEARS.

I AM GETTING NEGATIVE NOTICES ON MY CREDIT REPORTING FROM XXXX XXXX ATTACHMENTS BELOW.
Consumer complaint received 2019-12-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NJ)

XXXX XXXX reporting a {$2.00} XXXX mortgage and reporting late payments.No such mortgage i received ever!! XXXX XXXX and XXXX XXXX XXXX completely destroyed/destroying my excellent credit score for past year. 
XXXX XXXX and XXXX XXXX XXXX reporting fraudulently, with malicious intention to extort and harras myself and my family.
Consumer complaint received 2023-01-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK (MA)

I put down a deposit to be able to qualify for a discover card and the company promised to return the deposit after months of proper use in which I had. Discover said they sent out a check via mail even though I had paid my deposit from a debit card. They stated they would send out another check a month ago and now has no answers to me still not receiving my deposit
Consumer complaint received 2023-01-23
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (NC)

As instructed, I hadn't received any notification regarding payment for the illegal foreclosure on my previous home. It was stated to contact Customer Service, but they didn't know what I was talking about. The next step, as instructed, was to complete this form. I initially requested a modification during the recession in XXXX because I lost my job, like many others. Not only did it take Wells Fargo a ridiculous amount of time to modify the loan, the modified it increasing the loan, never waiving any penalty fees. They also messed up the escrow and that caused an increase. The modification was supposed to DECREASE my payments, but never did. It took me over 1 year to get back into the job market at $ XXXX. through a temp agency, as opposed to my regular $ XXXX - $ XXXX annual salary. They were difficult, obtuse, rude ( even today when I called ), and you ALWAYS had to start over with paperwork with each call, sometimeson hold for hours at a time. It was so stressful, I had to have a XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  and ultimately lost it in foreclosure, moving back to XXXX, XXXX  with my daughter. I had an attorney ( I'm not able to locate his information ) who was suing Wells Fargo on my and others behalf, XXXX XXXX XXXX XXXX XXXX XXXXXXXX, I believe. He was found in his office in XXXX... I've always questioned and wondered. 
Now, here we are in XXXX and a lawsuit has been filed and settled. Previous homeowners should really receive the cost of their homes value. After all, the banks received bailouts while millions of homeowners suffered. It's ridiculous!
Consumer complaint received 2022-01-20
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. (NC)

You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.
Consumer complaint received 2022-09-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: KEYCORP (CT)

Last XXXX I disputed a debit withdrawal which was happening every month it was found in my favor 4 months latter they with drew the amount i was a warded out of the blue I live on XXXX ayear and don't have a dime to my name they are impossible to deal with I need help they take money out of my account when ever they want
Consumer complaint received 2023-01-23
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. (TX)

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

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

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S. Code 6801 ( a ) It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information.

16 CFR 433.2 NOTICE ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER.
Consumer complaint received 2024-04-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC. (MI)

I am on Social Security and I get paid monthly on the XXXX. I opened a new account at So-Fi Bank about two months ago and requested that my direct deposit of my monthly check be changed to that bank. Social Security acknowledged my request and said it would be changed in XXXX. Before that could happen, I discovered So-Fi was not a good fit for me. I would pay bills from that account and they would reverse those payments and replaced the money back into my account - no harm, no foul, EXCEPT THAT MY BILLS WERE NOT GETTING PAID! I also receive a monthly payment into my XXXX XXXX  account on the XXXX of every month. So-Fi doesn't work with XXXX! These two revelations made me decide not to work with So-Fi either, so I transferred my money back to XXXX. I did not close the account because I had already transferred my direct deposit to them and the transfer process takes a long time. So-Fi posted interest to my account in the amount of XXXX so that is my listed balance at that bank. I again requested Social Security to change my direct deposit back to XXXX XXXX, and their acknowledgement stated that would take effect in XXXX, so after this MISSING payment, I will be able to close my So-Fi account. I contacted Social Security and they gave me a trace # for my payment and confirmed the payment had been sent to So-Fi. I contacted So-Fi and they claim to have sent the money back to Social Security because my account was " under review '' I was never notified of the status of the account and I can not afford to live without my Social Security! Four automatic payments have already been returned due to insufficient funds in my XXXX account, one of them being for my life insurance, which now faces cancellation due to non-payment of the insurance premiums. So-Fi is destroying my life!