davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-03-23
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Coinbase, Inc. ()

Reference : Coinbases transfer to a FRAUD SCAM Brokers : XXXX XXXX I would like to bring your attention to a serious issue I have with Coinbase wires that first took place on XX/XX/2019. 
I have been victimized by a multilayered scam operation orchestrated by XXXX XXXX - the Company. 
The funds were transferred utilizing Coinbase 's services in the total amount of XXXX EUR! 
I would also like to point out that on XX/XX/2019- I filed a dispute with Coinbase.
Consumer complaint received 2020-03-22
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (SC)

I only use my Wells Fargo account for paying bills, online shopping, online selling, and receiving my work checks so I really never look at my account like that since I have all my bills set up to pay from the account.. 

It started when I noticed emails saying some of my bills where not being paid.. then I tried to look at on the app and it wont let me in from XX/XX/2020 - XX/XX/2020 .. I try calling customer service to get in but due to coronavirus the wait times were very long so I went to my local branch. 

I finally get into my account and see that its in negative. I see 2 checks written and deposited in ATM for XXXX on XX/XX/2020 and XXXX on XX/XX/2020 ... frm XXXX XXXX NV.. I live in South Carolina.. I also never written a check in my life.. I also see cash app transactions for the amount of XXXX XX/XX/2020, XXXX XX/XX/2020, and XXXX XX/XX/2020 which I also didnt authorize.. 

I call Wells Fargo and file a claim and they tell me to wait 10 days. Meanwhile while this is happening my online sells and work checks are being direct deposited to my account meaning Im paying off the negative debt it left and I also I have no money to pay my bills due to it being negative ... during this time their was no way for me to switch my direct deposit to another card or account because my job was closed down due to coronavirus.. so Im basically paying a debt I didnt even do! 

Few days later I receive a letter saying they are going to close my account due to it being over drawn so call to check on the claim.. the Wells Fargo claims department told me thrs nothing they can do and since my account has been hacked they cant help me.. they tell me if I dont pay the collection agency will take over.. 
I go back to my local branch and tell them.. all they tell me to do is file a check deposit claim.. 
meanwhile my last few work checks have basically got the debt down and my account is XXXX now. I call to try and set up another claim and they said since the claim has been closed already they cant open another one! My bills are pass due cause of this.. they basically didnt even care.. please help..
Consumer complaint received 2024-01-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (FL)

On XX/XX/23 my check in the amount of {$3600.00} to pay off my student loans in full was cashed. However, my account was never credited. In the month of XXXX I called Mohela multiple times, sent several messages through the portal and uploaded a copy of the cleared check twice. After requesting to know who would be handling my issue I was told by a senior rep that he will forward my information to accounting. He stated he has no idea when or how I will hear back from them and that is all the information he can give me. He refused to take my check number or amount to pass along to accounting. This was XXXX weeks ago and I still have not been able to get in touch with anyone who can investigate and find my missing money. I am currently still being charged for my full balance. Today, XX/XX/23 I spoke to a rep at Mohela again and was told he has no idea when or if my issue will be resolved or even if anyone will be in contact with me to inform me of it.
Consumer complaint received 2022-12-29
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: EQUIFAX, INC. (MI)

I've submitted three complaints with no response. the updated investigation is taking more than 30 days, I request that all three accounts be removed immediately following with a notice and update. please and thank you!
Consumer complaint received 2024-04-17
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I made a payment at XXXX XXXX at {$500.00} to my Capital One credit card. They were supposed to refund the money through a check but they did not. Capital one then told me that they electronically refunded the payment to the bill pay issuer. I contacted the billpayer and they informed me that they did not receive any refund from Capital One and they dont have any information on where my refund of {$500.00} is. Ive been calling for days and I have no resolution to this issue and I need my funds.
Consumer complaint received 2022-12-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I've submitted three complaints with no response. the updated investigation is taking more than 30 days, I request that all three accounts be removed immediately following with a notice and update. please and thank you!
Consumer complaint received 2023-05-17
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. (CA)

THE FOLLOWING INQUIRY IS FRAUDULENT AND NEEDS TO BE REMOVED : XXXX XXXX XXXX ( XX/XX/23 )
Consumer complaint received 2023-05-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I asked the credit bureaus to verify and send me the proof that I was late for XXXX XXXX  with an account number XXXX opened in XX/XX/XXXX, XXXX XXXX XXXX XXXX with an account number XXXX opened in XX/XX/XXXX, and XXXX with an account number XXXX opened in XX/XX/XXXX. 

The bureaus are required to provide me proof of late payments for those account to prove they are accurate.
Consumer complaint received 2020-03-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: AMERICAN EXPRESS COMPANY (NY)

The company raised my interest rate from 17.49 % to 29.24 % with no notice. The rate shows as " as of XX/XX/2019 '', but on the Statement from XX/XX/-XX/XX/ the rate remains as it previously was. I was given no notice or alert to the interest rate rising so substantially. All attempts to contact the company have gotten nowhere.
Consumer complaint received 2020-03-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

see attatched XX/XX/2019 Why did USAA Begin these Fraud Investigations??? WITH TEMPORARY CREDITS of Adjustment Purchases XX/XX/2019 I DID NOT REPORT FRAUD IN XX/XX/2019??? What is USAA Beginning Investigations on for these transactions that total {$410.00}????? ** What is the New Purchase posted of {$190.00}?? on XX/XX/2019 I DID NOT PURCHASE OR AUTHORIZE????? Why is no notice of any understanding provided? WHY ARE USAA CREDITS HIDDEN FROM CONSUMERS?? WHY HIDE THEM?? THINGS KEPT IN SECRET CREATE ABUSE. USAA IS ABUSIVE. NO RESOLVE OF FRAUD.
Consumer complaint received 2023-12-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (LA)

This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself.This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2020-03-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: FIRST NATIONAL BANK OF OMAHA (KS)

We recently completed two balance transfers with First National Bank of Omaha. The current balance is about {$11000.00}. 

First of all, I have no idea how FNBO is calculating the minimum monthly payment. If you review the statement due on XX/XX/2020, it states the minimum monthly due is {$400.00}. In the minimum payment warning box, it states if only the minimum payment due is made for the next 9 years, an estimated total of {$13000.00} will be paid. The interest rate is fixed and 5.99 %. For 9 years, there are 108 months. If {$400.00} is paid over 108 months, the amount paid would be {$43000.00} instead of {$13000.00}. 

The prior month, it stated {$480.00} was the minimum due. The statement said if paid off over 10 years at the minimum monthly payment, an estimated total of {$14000.00} would be paid. For 10 years, there are 120 months. If {$480.00} is paid over the 120 month period, the amount paid would be {$58000.00} instead of {$14000.00}. 

Then, in the same boxes, it shows how many years it would take to pay off the balance if a higher amount is paid. For example, if you review the statement due on XX/XX/2020, it suggests paying {$350.00}. This isn't even the minimum monthly due reflected on the statement. It states the time to pay off the balance would be 3 years and the estimated amount paid would be {$12000.00} with a {$670.00} savings. If you review the statement due on XX/XX/2020, it suggests paying {$370.00}. This is not the minimum monthly due reflected on the statement. It states the time to pay off the balance would be 3 years and the estimated amount paid would be {$13000.00} with a {$700.00} savings. 

And, I was shocked to see how much my minimum monthly payment is after the balance transfer. The credit card statement doesn't state what percentage the payment is based on and the credit card agreement is vague at best. Under Payments, section B, it states the amount of my minimum monthly payment is indicated on my billing statement and calculated as shown on the schedule. Based on the payments on my last three statements, the percentage is as high as 4 % and as low ar 3.5 %. So, there is not a stable percentage that the minimum amount due is based on. 

I am attaching my last 3 billing statements and the cardholder agreement. There is something wrong with the way they are calculating the payment as well as the amounts under " minimum payment warning ''.
Consumer complaint received 2022-12-29
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. (NV)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 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 these reporting accounts 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 item/accounts/information below : XXXX XXXX XXXXXXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$16000.00}
Consumer complaint received 2020-04-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TD BANK US HOLDING COMPANY (NY)

Unbelievable how this customer service treated me I called tonight to order deposit tickets which was always free and they want to charge me for something that has always been sent to me for free and then when I have the beyond checking And qualify for free checks they also wanted to charge me horrible I want {$80.00} for this inconvenience they have caused me ruined my night didn't treat me loyal or in the past deposit tickets were always free and then the lady said she is having a hard time with her system and that I should call XXXX XXXX Why when its my bank that has always ordered deposit tickets and checks
Consumer complaint received 2020-04-02
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. (GA)

I notice an account on my credit from XXXX XXXX XXXX. I have never had an account with this company at all. I tried to reach out to the company & they are not assisting me & telling me this account is mines. I was a victim Of identity theft & I have disputed this items a few time going back to XX/XX/2019 & also sent in a dispute every month after that. 

This account were removed from XXXX  on XX/XX/2019 however XXXX & equifax will not removed this. 

By law all bureaus should show the correct information. 

My police report is on file with all bureaus and all documents.
Consumer complaint received 2020-03-23
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)

I am sure you are aware that it is against the law to threaten suit without any intention of doing so. Therefore, be advised that I am extremely serious about filing suit against your company. I have sent numerous letters requesting for you to investigate and remove all inaccurate information that is being reported on my personal credit profile, yet you continue to fail to do so. 
It is my understanding of the law that you MUST honor each and every request to investigate incorrect information and you seem to have ignored all of my previous requests. That is a crystal clear violation of the Fair Credit Reporting Act which provides a cause of action for an individual consumer as well as penalties and liabilities for both consumer reporting agencies and furnishers of information for non-compliance as violation of its provisions Please remove all accounts which are not belong to me or any transactions made by me.
Consumer complaint received 2024-04-17
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Helvey & Associates, Inc., Warsaw, IN Branch (SC)

Please REMOVE and DELTE ALL OF THE FOLLOWING UNAUTHORIZED FRAUDULENT ACCOUNTS FROM MY CONSUMER REPORT. ACCORDING TO THE FCRA IT IS A VIOLATION. HELVEY & ASSOCIATES IN I am unaware of this debt. I did not have the opportunity to dispute this debt. I did not receive proper notification. If in fact you believe I receive proper notification. Please provide the certified mail with the receipt with my wet signature on there stating I received it.
Consumer complaint received 2022-12-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 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 these reporting accounts 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 item/accounts/information below : XXXX XXXX XXXXXXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX Balance : {$16000.00}
Consumer complaint received 2020-04-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (WI)

- XX/XX/XXXX Got a letter my property taxes were delinquent from XXXX County. 
- XX/XX/XXXX I called PHH Mortgage to see what happened to the check as the money had been taken out of my escrow account. I was told it was dispersed XX/XX/XXXX. 
- XX/XX/XXXX Called again, was told to call back on Friday. 
- XX/XX/XXXX Called and talked to XXXX. She sent me to XXXX, an escalations manager. He said he would " make this top priority but needed some time. '' - XX/XX/XXXX XXXX called and left a voicemail, said they " needed more time. '' - XX/XX/XXXX Talked to XXXX, who connected me to XXXX XXXX, another escalations manager. She told me she would take over the case. She wanted me to fax her a copy of the delinquent tax statement. I called XXXX County to have them fax it, but they could only email it. 
- XX/XX/XXXX I called XXXX and left a message about emailing copy of statement. 
- XX/XX/XXXX I called XXXX to get her email so I could send her the tax statement. 
- XX/XX/XXXX XXXX called back with email address and I sent her the tax statement. 
- XX/XX/XXXX Called for update, couldn't be connected to representatives because of COVID virus. 
- XX/XX/XXXX Called for update, still couldn't be connected to representative. I emailed XXXX XXXX to request an update. 
- XX/XX/XXXX Still no response or update.
Consumer complaint received 2020-03-28
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: GREAT WESTERN BANCORP, INC. (AZ)

I have a Great Western Bank Checking account, over 2 years ago I asked to opt out of over draft protection, the bank told me I couldnt do this, which Im now seeing was a lie. Since that time Ive paid over 1,000 in  overdraft fees my account once again became overdrawn and I am attempting to close it. The day I notified the bank I want to close my account it was XXXX overdrawn, I indicated I wanted to negotiate the balance I owed considering I was lied to about not being able to opt out of overdraft protection years ago. I was told over the phone to send a letter to an email address. I have did so on Monday and I still have not heard from anyone at great western about the account. It is now over 200.00 overdrawn.
Consumer complaint received 2020-03-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC. (UT)

Citizens One is incorrectly posting EXTRA payments, earmarked for principal only, to interest, future payments ( not yet due ). 

We think Citizens One is doing this to thousands of others, thereby increasing their profits illegally and fraudulently ... or at least negligently. We think it is intentional as our detailed letter will demonstrate. 

We would like to send you a copy of the letter we sent to our Senators, XXXX XXXX and XXXX XXXX to help you understand. Where can we send it? We would prefer to scan and email it to you if at all possible.
Consumer complaint received 2020-03-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

There is a collection account on my credit report from XXXX XXXX XXXX in the amount of {$460.00}, this account shows it was open in XX/XX/2017. I have disputed this account several times with certified letters explaining that I have no knowledge of this account nor any other business with the original creditor Capital One. Ive called several times to dispute Ive also sent certified letters to each of the bureaus with no response in regards to this fraudulent account getting resolved please help to have this Fraudulent collection account removed from my credit report, Thank you.
Consumer complaint received 2020-03-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

I bought some shoes from XXXX which I returned back to them. Per the XXXX  tracking number, XXXX, a warehouse employee signed for the shoes. XXXX claimed they didnt receive the shoes. I provided the tracking number which they claimed wasnt working. So I disputed with my credit card, Bank of America. I provided tracking number to BOA as well. 
They issued a temporary credit, pending the investigation. I checked my card Friday and noticed Bank of America reversed the credit. all I can do at this point is provide tracking, which I thankfully saved. 
Its deplorable that Bank of America doesnt believe in putting the work in and investigating during disputes. There no reason my credit shouldve been reversed. 
Ive been calling them since XXXX, and been on hold. I understand theres a pandemic. If theyd done their due diligence, I wouldnt be in this predicament.
Consumer complaint received 2019-12-04
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 THE VICTIM OF IDENTITY THEFT, PLEASE HELP ME RESTORE MY IDENTITY. THE DATA LISTED IS THE RESULT OF IDENTITY THEFT. BLOCK THE FOLLOWING DATA WITHIN 4 BUSINESS DAYS. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-04-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A. (CO)

I have been trying since XX/XX/XXXX to contact Citibank Mastercard in  order to resolve a problem with accessing my account information. My statement is not available online. Additionally, he card number Citibank shows on my online account does not mach the physical card number. They are not responding to online chat, email, or phone contact. System says there is an " unusual call volume '' and disconnects the phone call. The " contact us '' page on the Citibank website is completely blank and appears nonfunctioning. I finally made it through the phone system tonight, resulting in being placed on hold for an hour and thirty minutes. No representative has picked up the phone.