davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-07
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (IL)

I'm an American Express Serve cardholder. I receive weekly direct deposits to this card in the amount of {$72.00} with the most recent being due to post tomorrow in XX/XX/2020. I also just filed my income tax return and it's directed to go to that card as well, any day now. I've been trying to call this company for days now and have been on hold for XXXX hrs XX/XX/XXXX and XXXX today XX/XX/XXXX. I'm actually holding right now as I'm filing this complaint. I've tried calling the regular American Express, but they said they couldn't help me. They pretty much just went out of business and stole everyone 's money. Something has to be done, as us consumer 's don't know what to do. Please help me.
Consumer complaint received 2023-02-01
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY (CA)

I closed my account with Wells Fargo after banking with from XXXX. Last overdraft I attempted to dispute the charge that took a significant of portion my check. It shouldnt have due to the fact I had direct deposit the following day. Im not going to argue with a financial institution with access to my money. Ultimately, closed my account and changed banks. Ive also had instances fraudulent charges to checking accounts I asked to be closed or have the account number changed. I have yet to encounter constant overdraft fees from holds from the bank I am at now. With my account from being closed at Wells Fargo Im not sure how to proceed with seeing if I am entitled to the settlement by going over documents. Claiming email correspondence is not secure from the financial institutions website/application also seems like it could make keeping documentation difficult.
Consumer complaint received 2020-04-07
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (MO)

I have reached out to XXXX, Experian, and XXXX  on providing proof of the verification of my bankruptcy and have not been provided anything.
Consumer complaint received 2022-02-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ENCORE CAPITAL GROUP INC. (OH)

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE. 

I recently received a copy of my consumer report and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B
Consumer complaint received 2020-04-07
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I have reached out to XXXX, XXXX, and Transunion on providing proof of the verification of my bankruptcy and have not been provided anything.
Consumer complaint received 2020-04-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc. (CA)

On XX/XX/XXXX, I paid off a mortgage, and more than a year after I had not received a final statement of my account, until I received my Form 1098 for XXXX this year, which included a balance statement of my account. 
One of the entries in the statement details an Escrow Refund amount of {$3.00}, XXXX, which was never received. 
When we contacted the company to inquire about the check, they claimed the check had been sent on XX/XX/XXXX of this year, XXXX, and I should be getting it in about 10 days ; when the check did not arrive, we called again! 
This time their narrative was that they had made a mistake, and that the check had actually been sent last year, XX/XX/XXXX, so we asked that they provided a copy of the cashed check, then they changed the narrative yet again, saying the check had returned to them, and that they " would issue a new check and I should get it in 3 weeks ... '' In conclusion, they keep giving us the run around and they have kept the money for more than a year! So far, I have not got it.
Consumer complaint received 2023-01-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PNC Bank N.A. (PA)

On XX/XX/XXXX a check was written to a supplier in Alabama named XXXX XXXX XXXX XXXX  It was sent to a XXXX XXXX XXXX The check was intercepted in Alabama, altered with white out and is very clear to see it was white out, and then cashed a bank in Alabama. We have attempted to get the name of this bank from PNC who then put out the funds but they first mistakenly told us it was XXXX XXXX XXXX-which apparently it is not and then they told us it was XXXX XXXX XXXX XXXX which is really not a bank. We have been dealing with XXXX gentleman from PNC XXXX XXXX XXXX named XXXX XXXX and XXXX. XXXX. They allege to have been trying to assist but yet in over 2 months we have gotten nowhere. They turned it over to escalation a week ago Tuesday XX/XX/XXXX. We received a call from XXXX XXXX who needed information we did not have at our home-the call came at XXXX. I called her 3 times the next day and 3 times on Thursday XXXX. It was not until Friday morning that she called back and advised there was nothing they could do until this bank in Alabama responded. The amount of the check was to be {$3000.00} and was changed to {$9000.00}. Ultimately i have had to pay the {$3000.00} to the company for their product so I am out {$9000.00}. 
This is unacceptable and from everything i have read and discussed with professionals, this money should have been put back in my account. This is a federal crime. I do not even understand how PNC fraud did not detect this. XXXX advised today that again they turned it over to another escalation department. 

Most of all PNC has not even been able to provide us with the name of the bank that cashed the check. The company in Alabama who we issued the check to is trying to help us as well but without that name of the bank their hands are tied. They have notified the local police there and out next step would be the FBI. 

My grievance at this time is with PNC who should have put that {$9000.00} back in my account by now. I have been a customer with multiple accounts for over 50 years. Worst of all we have gotten no help. The way XXXX XXXX in escalation handled it was so unprofessional and disrespectful to us as customer that we are prepared to remove all our accounts from PNC once this is cleared up. The lack of assistance and concern for our money and frustration has been quite a disappointment. 

I hope that you are able to advise PNC Bank that the right thing to do is to replace our funds that they allowed to be fraudulently withdrawn. They sent a letter to us acknowledging the claim on XX/XX/XXXX and requesting documents which were provided. To date we have received no reimbursement.
Consumer complaint received 2024-03-19
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. (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. 
XXXX XXXX XXXX : Acct # XXXX, XXXX XXXX XXXX : Acct # XXXX, XXXX : Acct # XXXX, XXXX XXXX : Acct # XXXX, XXXX XXXX XXXX  : Acct # XXXX, XXXX XXXXXXXX : Acct # XXXX, XXXX XXXXXXXX XXXX Acct # XXXX, DEPTEDXXXXXXXX  Acct # XXXX, DEPTEDXXXX : Acct # XXXX, DEPTEDXXXX : Acct # XXXX, DEPTEDXXXX : Acct # XXXX, DEPTEDXXXX  : Acct # XXXX, XXXX XXXX XXXX : Acct # XXXX, XXXX : Acct # XXXX, XXXX : Acct # XXXX, XXXX XXXX : Acct # XXXX, XXXX XXXX : Acct # 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 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.
Consumer complaint received 2023-02-25
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (NY)

In XXXX of XXXX I approached my mortgage holder, Wells Fargo, about a modification to my mortgage of {$450000.00} due to economic hardship. In XXXX of XXXX that request for modification was denied by Wells Fargo. I continued to pay my mortgage to the best of my ability while pursuing other avenues to assist in obtaining a mortgage modification. 

In XXXX my economic situation become a bit more constrained as my youngest 's son was diagnosed with XXXX and needed assistance with his medical bills. At this point I approached the law firm of XXXX XXXX XXXX to aid me in obtaining a loan modification with Wells Fargo XXXX After several arbitrations and meetings with my legal representatives and Wells Fargo 's team a final court was set around XXXX of XXXX. 

At the final arbitration of XX/XX/XXXX I was informed that I would not be receiving a modification to my mortgage and that Wells Fargo would be moving forward with foreclosure proceedings. At this point I was given notice to vacate the property which I did on XX/XX/XXXX. The following year my former property went to auction and was sold.
Consumer complaint received 2020-04-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

Account is passed the 7 year mark. Last payment was made in XX/XX/2013. I have proof of this. Please remove this account as it is 7 years since last payment. 
XXXX Account status XXXX XXXX opened XXXX XXXX
Consumer complaint received 2020-04-08
Product: Credit reporting, credit repair services, 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. (MD)

XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX XXXX   XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX ARE FRAUDULENT INQUIRIES. I DID NOT AUTHORIZE FOR THEM TO RUN MY CREDIT. I WANT THEM TO PROVIDE PROOF WITH A SIGN DOCUMENT STATING I APPROVE THEM TO DO SO.

Per Section 604 of the Fair Credit Reporting Act ( FCRA ), all users of my credit report must have a permissible purpose. Specifically per Section 604 ( a ) ( 3 ) ( F ), a consumer reporting agency may only furnish a report if the recipient : otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer
Consumer complaint received 2024-01-04
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. (IL)

I did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.
Consumer complaint received 2024-03-19
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. (CA)

I have requested to have XXXX XXXX XXXX XXXX  and XXXX XXXX removed from my reports. They do not belong to me. 


I also have tried without success to remove all unauthorized inquires from my reports. 

XXXX XXXX XXXX XXXX The other names and social security numbers on my reports do not belong to me and wish to have them removed as well
Consumer complaint received 2020-04-08
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (SC)

I purchased a " lie detector kit '' through PayPal, when the item arrived it had clearly been used ( even though it was listed as new ), the software did not work with XXXX XXXX ( registering the entire product unusable for me ), and lastly the website promoted 50 questions by a licensed, professional polygraph expert ( what I got was 42 questions that would never be on a polygraph test, perverse questions such as what I XXXX too ). I called the seller, and they agreed to refund the money if I returned the product. I sent the product back in the original packaging. A few weeks later USPS called and said the seller had refused the return due to foreign tax fees. I ended up paying {$1000.00} for the lie detector kit, which I returned, {$100.00}, for shipping back to the seller, and an additional {$58.00} to pay for the seller 's foreign fees. I contacted PayPal and asked for a refund for the product of {$1000.00}. I would accept the loss of shipping it back and foreign tax fees. I also sent PayPal the shipping receipts showing it had been returned due to " misrepresentation ''. PayPal claims if an item is misrepresented, the buyer has protection, they clearly do not honor this.
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I am requesting the removal of fraudulent inquiries from my credit report due to the unauthorized and unlawful nature of these inquiries. These fraudulent inquiries not only inaccurately reflect my credit history but also pose a significant risk to my financial well-being and reputation. It is imperative to rectify this situation promptly to safeguard my creditworthiness and ensure the integrity of my credit report. Therefore, I seek the removal of these fraudulent inquiries to restore the accuracy and reliability of my credit profile.
Consumer complaint received 2023-01-19
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: SYNCHRONY FINANCIAL (MO)

Had a Gap Visa Synchrony credit card with an outstanding {$6000.00} refund. Once they were bought out by XXXX XXXX never got the credit! 

Claim Numbers : Synchrony # XXXX Previous Credit Card Numbers XXXX XXXX XXXX XXXX then XXXX XXXX XXXX XXXX XXXX # XXXX and # XXXX XXXX Complaint # XXXX
Consumer complaint received 2020-04-08
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: JPMORGAN CHASE & CO. (OH)

I was supposed to get a payment of {$600.00} from XXXX XXXX, a XXXX XXXX XXXX   program with Social Security XXXX, which I am currently on since XXXX, within 7 -   10 days from XX/XX/XXXX ( see emails ). Therefore, I scheduled payments, which included my car payment for {$440.00} on XX/XX/XXXX, a credit card payment of {$64.00} on XX/XX/XXXX and another credit card payment of {$54.00} for XX/XX/XXXX relying on the fact that the {$600.00} payment would have already been posted to my account. The other charges for {$5.00} and {$6.00}, in which I got insufficient funds fees for when, in fact charged in error, because I signed up for a 30 day free trial with XXXX XXXX XXXX through XXXX XXXX  and I am now working with XXXX  to get those charges credited. I am emailing XXXX and communicating with XXXX as of XX/XX/XXXX in customer service to have those charges reversed. So far, the total amount of insufficient funds fees is {$170.00}, but I still have 4 charges pending and I am not sure if those will incur insufficient funds fees as well. So if they do, I would like those credited as well for a total amount of {$300.00} in insufficient fees funds. The XXXX charge for {$28.00} is a ghost card charge for an order I canceled with XXXX  and will be refunded in 5 - 7 business days. Again, the other 3 charges, XXXX  for {$7.00}, XXXX for {$31.00} and XXXX XXXX for {$40.00} were charges anticipated with the {$600.00} payment being deposited within the 7 - 10 day time frame of XX/XX/XXXX as stated in the email provided. The reasons I did not try to go through Chase Bank or Customer Service by phone is because of the pandemic. It states on the Chase Bank app that because of the COVID-19, there will be extremely long wait times if you call us and I work from 9-5pm M-F and I am in training and on the phone most of the day as well as they can  only take off two insufficient funds fees every year. The reason I did not go into a branch location is that there is no bankers to talk to. So, basically this is my only option to get this issue resolved during the pandemic. I also signed a petition that JPMorgan Chase should waive all insufficient funds fees during the pandemic, which I think applies to my case. Thank you!
Consumer complaint received 2020-04-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (FL)

I am an authorized user on XXXX XXXX XXXX  account beginning with XXXX, a credit card with a {$600.00} limit and no balance.

T

his company is not reporting a credit account with a good payment history, low balance, and high credit limit, which adversely lowers my credit score preventing me from obtaining new credit accounts and purchasing a home. Failing to report that I have other credit accounts that are in very good standing very good credit worthiness is a violation of my consumer rights and an unfair credit reporting practice.
Consumer complaint received 2023-01-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (TN)

I made a payment on my account that was to be posted on XX/XX/XXXX bc it was paid after XXXXXXXX XXXX XXXX I noticed the month before XX/XX/XXXX I was charged a late fee of XXXX and I was also charged an additional late fee for the month of XXXX. Today XX/XX/XXXX I called Capital One and spoke with 3 representatives. The second person gave the name XXXX and the last XXXX XXXX XXXX XXXX XXXX XXXX. I spent XXXX XXXX XXXX XXXX explaining that I make my payment online and the card in question due date shows XXXX of each month on the main screen which is where you continue by hitting the XXXX XXXX XXXX and make payment. I did not understand why I was receiving a late fee when payment was paid and posted prior to due date. I was then advised that the correct was the XXXX of the month. I advised them per their payment site it is the XXXX. I also ask that they refer to my last couple of payments being made prior to this date. I asked if they would like me to send proof of due date I was shown and went over screen with each rep several times. I was advised they could not refund me the {$80.00} charges and that there was no one there that could help me. I was further advised that I could do a general complaint but they have no abilities to waive fees either. I expressed my concern with knowing what the correct due date is and that I should be able to trust info provided on the website. XXXX advised they didn't have any other complaints of this nature and that there is nothing he or his supervisor could do. I would just need to remember that it is due on the XXXX even if website reflects different refer to the statements. I advised that did not address my issue bc website should reflect proper due date and I should not be punished if it did not. Also advised I have proof that due date showing was on the XXXX. I simply wanted both past due fees removed. I was simply told the due date doesn't change unless I change or annual change which neither had occurred. I was told that he had to disconnect the call and if I wanted to speak to a supervisor I would have to call back and request to speak to a supervisor but it will not help bc they are unable to waive the {$80.00} in fees. The only offer was to waive XXXX in fees, however this would have been a courtesy waiver as if I asked XXXX I didn't pay my bill on time and this is simply not the case and I don't that reflected on my account. Per XXXX the call was recorded and hopefully it can be retained bc I was not belligerent and or rude only expressed my dissatisfaction with the process and questioned how I can move forward with future payments without knowing if the due date is correct. They would not accept info that I had to prove due date was conflicting. All and all I was told to accept what they said and there was no further discussion and or help to be provided. XXXX then hung up the phone.
Consumer complaint received 2020-04-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (MD)

XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX XXXX   XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX  - XX/XX/XXXX ARE FRAUDULENT INQUIRIES. I DID NOT AUTHORIZE FOR THEM TO RUN MY CREDIT. I WANT THEM TO PROVIDE PROOF WITH A SIGN DOCUMENT STATING I APPROVE THEM TO DO SO. 

Per Section 604 of the Fair Credit Reporting Act ( FCRA ), all users of my credit report must have a permissible purpose. Specifically per Section 604 ( a ) ( 3 ) ( F ), a consumer reporting agency may only furnish a report if the recipient : otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer