davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-04
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Fee problem
Company: MoneyLion Inc. (CA)

Last month i had a financial hardship im still having. I tried calling to setup payment of my loan for the next month since i needed to catch up on payments and the app was giving me trouble. Causing me to sign up for three payments for XXXX when i was trying to pay for just XXXX and XXXX. The membership fee i figured would be waived as i was unable to benefit from any of the perks of the membership for the credit builder loan such as XXXX  ( which i wshould have received anyways because its a perk of using direct deposit ). Long story short i was cut off of my XXXX  advances although i have direct deposit and received it before i even signed up for the loan and whatever other supposed perks you get from a loan you inly received XXXX $ from but ate paying for a XXXX $ loan. So, while they are keeping the XXXX $ i wasnt able to receive ( because they are collecting intrest on it lets be real ) charging me {$46.00} a month for the loan ontop of an additional XXXX $ membership fee which really only allows another {$100.00} XXXXXXXX advances, but there's a catch to that as well. If the system doeant detect your deposit, the same consistent deposit youve been receiving every month same amount same time of month, that extra hundred is not available and your paying an extra XXXX $ a month for basically nothing. I do not use any of their other services as theyre not services that arent already included with direct deposit acct. This bank is an absolute greed monger and im disgisted by the lack of customer service as well.there is absolutely no customer service whatsoever. And dont even bother asking for a supervisor. Theres never one available and they have up to five days to get back to you at their convience not yours.
Consumer complaint received 2020-01-02
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE (NY)

Company : Western Union, Global Operations Contact at WU :  XXXX Date of cancellation by western union : XX/XX/XXXX Tracking # provided by WU : Your tracking number ( XXXX ) is : XXXX Currency Transfer Amount : USD XXXX XXXX rejected 4 times ) Rejected Recipient Name of my currency Transfer : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  of my Rejected Recipient : XXXX Overseas Bank XXXX XXXX XXXX XXXX XXXX I don't understand on what lawful basis my currency transfer is being rejected. I have been a regular and satisfied customer of Western Union since XXXX. Wester Union has never before rejected any transfer I have made. 
It appears that WU took exception to my recipient for some unknown reason.

WU customer agent sought and received additional information from me and my recipient and still they rejected him. 
My intended recipient XXXX XXXX is a friend of mine. I don't know on what lawful basis they rejected my money transfer to him.
Consumer complaint received 2020-06-10
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (CA)

Reported bank fraud to Chase Bank. Someone wired money from my savings account to an external account that I did not authorize. I reported it to chase the next day, they gave me temporary credit, told me to close my savings account and open a new one. Two weeks later my claim was denied, chase stated the wire was from a recognized device but would not tell me what device was used nor the name to the wire it was being sent to. All the information that was given to me was it was wired to a XXXX XXXX account ending in XXXX. I do not have a XXXX XXXX account nor know anyone that has a an account. I asked chase for the investigation report but they would not provide it for me. The amount wired out of my account was {$940.00} and {$940.00}, during the claim process Chase gave me " temporary credit '' and as soon as they closed the case they took it directly out of my checkings account without warning. After many calls with Chase bank they have not helped me recover anything or have helped me in the proper steps to do so. Thank you.
Consumer complaint received 2020-06-10
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

I have several inquiries on my credit report that are not authorized. I noticed it because I recently applied for a credit card and I wasn't approved so it prompt me to check my credit report. These inquiries listed are not authorized and need to be deleted from my credit report. : XXXX, XXXX XXXX, XXXX, XXXX
Consumer complaint received 2020-01-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (AL)

my mortgage was sold from Ocwen to PHH Mortgage. PHH Mortgage is stating that we are {$21000.00} behind on our mortgage which is not true. I spoke with them and faxed several documents such as bank statements, Bankruptcy statements etc to prove they have been paid i have reached out to them several times and keep getting the run around with no resolve in sight.
Consumer complaint received 2020-01-02
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

Boa balance XX/XX/2019 XXXX Went online and this balance of XXXX included 2 transactions not recorded on the automated number ( attached recording ) this XX/XX/XXXX balance includes XX/XX/XXXX and XX/XX/2019 postings but on XX/XX/2019 recording they list the transactions of XXXX forXXXX. ON XX/XX/XXXX and fax plus {$11.00} ON XX/XX/XXXX AND THEN ON ANOTHER RECORDING I ATRACHED THEM ALL.. THEY ARE RECORDED on different dates that the XX/XX/XXXX recording states and THEY ARE NOT LISTED ON MY XXXX ONLINE BANKING TRANSACTIONS ON XX/XX/2019 AS PER THE RECORDING ON XX/XX/2019 ... .I AM REQUESTING BOA to be accurate in their postings of all my transactions and post credits of my personal monies from my bank account and debit card EACH AND EVERY DAY OF THE YEAR on my personal solely owned XXXX boa account in my name of XXXX XXXX XXXX XXXX Per XXXX XXXX boa regulatory commission XX/XX/2019 letter
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

This is the several times I've complained about being a victim of identity theft. You must remove/block any account that was opened without my knowledge, consent, or authority within 4 business days with appropriate proof of the identity of the consumer ; a copy of an identity theft report ; the identification of such information by the consumer ; and a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Balance : {$4700.00} XXXX XXXX XXXXXXXX Balance : {$12000.00} 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-02-22
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: CCS Financial Services, Inc. (SC)

I see unauthorized inquiries on my report and also accounts that been open in my name that i never had or applied or authorized anyone to had, these are fraudulent : Hard Inquires 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 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 Collects Accounts unauthorized XXXX XXXX XXXX XXXX. 
Opened XXXX {$470.00} XXXX XXXX Opened XXXX {$160.00} XXXX XXXX XXXX Opened XXXX {$300.00}
Consumer complaint received 2020-01-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC. (WI)

The amount is much higher on my credit report than on the actual website. Also, i have been paying my monthly note on time and you guys keep reporting I'm late. This false information and its affecting my credit score alot.
Consumer complaint received 2020-01-02
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (NY)

I have originally filed a complaint about navient. They put my student loan in forbearance And I did not agree. After contacting them they agreed to take the loan out of forbearance did not claiming the co-signer is paying it. That we signed a forbearance. I have disputed this and asked to see the signed forbearance still nothing. This company has tacked on outrageous amount of money. They also lied stated that the loan is being repaid. First time it was {$2.00} next time {$110.00} now it says {$0.00}. They are creating their own payment schedules and forbearance. Originally when contacted by this company I disagreed with amount and they insisted its fees. They also insisted that nothing could be done and a forbearance was the only way to go. I do not work nor have taxable income. This company has committed fraudulent activity. Yet an still doesnt hold their end of the bargain. I have disagreed with a forbearance. I have disagreed with paying this loan due to financial hardships. They have also lied said theres an over payment yet no account is on file for autopay. Even while in school they claimed I couldnt have a deferment.
Consumer complaint received 2020-01-02
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

In XX/XX/XXXX I opened a business checking account at Bank of America because of the promotion they were running : https : //promo.bankofamerica.com/businesschecking/SBDDA.html # waysToAvoidBFA The terms of the promotion are : [ [ To earn the {$500.00} bonus : Open a Bank of America business checking account by XX/XX/XXXX. Make at least {$20000.00} in Qualifying Deposits ( less cash received ) into that new business checking account within sixty ( 60 ) days of account opening. Qualifying Deposits are deposits of funds into your new small business checking account that are new to Bank of America. A transfer done via ATM, online or teller, or a transfer from a Bank of America deposit account or brokerage accounts, such as XXXX XXXX or XXXX XXXX account, is not a Qualifying Deposit. 

Make ten ( 10 ) Qualifying Electronic Payments within 60 days of opening that new business checking account. Qualifying Electronic Payments include, debit card, online bill pay, or ACH transactions, wire transfers or XXXX payments ( starting/available in XXXX ). ] ] I met the promotion requirements but never received {$500.00} bonus. I contacted bank of america customer service multiple times regarding this issue, but as of today, still hasn't received the bonus
Consumer complaint received 2023-03-01
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (MT)

{$25000.00} fraud wire transferred out of my Wells Fargo Small business savings account. Wells Fargo did not take immediate action when fraud was reported within minutes of an inital transaction and several minutes prior to a second wire transfer. Wells Fargo failed to secure the account timely and failed to issue a recall in a timely manner, regardless of assuring me that they were recalling immediately and taking immediate action. They have stopped responding to my direct correspondence and have denied all requests for the money to be refunded.
Consumer complaint received 2022-10-05
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. (CA)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am very distressed that you have STILL included the below information in my credit profile which is creating damaging effects on my good credit standing. No doubt the inclusion of this inaccurate information is a mistake on your part. The other credit reporting agencies found inaccuracies with the information listed and removed or updated without incident. You, however, seem to claim you've verified the accuracy of the information. I've talked to the furnisher and they've agreed to correct the account. But then Transunion has some internal block which they're claiming they can use to not correct the account because they feel they're above the law. When questioned why they're not accepting the dispute letters, they claim they have an internal policy ( which is OUTSIDE FCRA laws ) and they're unwilling to explain why. The account below needs to be corrected : XXXX XXXX XXXX XXXX
Consumer complaint received 2020-06-10
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Westlake Services, LLC (TN)

The car I have financed with Westlake Financial Services was paid off by my insurance on XX/XX/2020 due to a total loss. The check has been received and cashed by Westlake but it has not been applied to my loan. Westlake has stolen a {$26000.00} check and is still billing me and charging me interest.
Consumer complaint received 2019-02-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MO)

I received a copy of my credit report and it shows a bankruptcy listed on it. I sent letters to all three credit bureaus requesting documentation showing how they validated the bankruptcy. I received a response from Experian stating the bankruptcy was validated but did not send any proof of the validation.
Consumer complaint received 2018-03-03
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: CAPITAL ONE FINANCIAL CORPORATION (MD)

On XX/XX/XXXX, Capital One marked my credit card account as over 30 days delinquent -- due to a failure to pay the balance of {$230.00}. I was undergoing hardship and was simply unaware that I had incurred a balance at the time. Upon receiving notification of the delinquent status, I hastily paid the balance of {$230.00} on XX/XX/XXXX. Based on my long-standing history as a customer with Capital One ( XX/XX/XXXX ), I have in no other point of time been marked as late or delinquent -- in any line of credit. In addition, I have never maxed out or even come close to my credit limit ( {$500.00} ) as a customer with Capital One. I spoke with a supervisor within the company and they insisted that there was nothing that could be done to permit a goodwill removal of that late payment. After making 43 of 44 payments to Capital One on time, I believe as a loyal customer, I should be done a reasonable service and have this incidental delinquency forgiven from my credit report. It has been burdensome to my credit report and effectively -- my life, as I move through new phases. I hope you view my complaint justified ; attempting to negotiate with Capital One has been completely unreasonable. Thank you!
Consumer complaint received 2023-01-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION (NM)

My mom died in XXXX. I recently discovered the XXXX website, and sent a request for them to stop sending offers for credit cards. I sent this in XX/XX/XXXX. The cards have dropped off dramatically but I'm still getting offers from Capital One Business for my mom.
Consumer complaint received 2023-12-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (PA)

I have several complaints about the way the Federal Student Loan servicers is conducting business, examples are below : XXXX. Making account changes without giving written notifications, their form of notifications is via their application which unless you log in more than a month you would never know of any issues. 
XXXX. Not being notified of payments being due, once again you have to log into your account multiple times to even know there is payment due. 
XXXX. Interest being capitalized on loans, when you are on a XXXX plan or have been in a forbearance where the interest should not be capitalized. 
XXXX. Sent email communication to the company over 2 months ago and have not heard back, call wait times are 2+ hours.
Consumer complaint received 2020-06-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO. (FL)

XX/XX/2020 PURCHASE INTEREST CHARGE Fees & adjustments {$150.00} Chase magnet Card ending in XXXX This interest fee charge is from a {$2000.00} statement balance. 
The card company ( Chase ) was called three times today. Each time I got disconnected. They told me they have phone problems, and have been unable to explain why this charge is as high as it is. 
They told me they do not have a virtual chat i can take this further. Chase private client says i have to call back their card team. This is not working, and this interest payment seems to be about 8 months worth of interest for the given statement balance. 
Please take a look at this.
Consumer complaint received 2022-10-05
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. (NY)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. We've talked to the bank & they've agreed to remove the accounts. BUT TransUnion has some internal block which they're claiming they can use to not block the account because they feel they're above the law. When questioned why they're not accepting the IdentityTheft report they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the IdentityTheft report ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy... 
XXXX XXXX Date Opened : XX/XX/2005 Balance : {$0.00}
Consumer complaint received 2020-06-10
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Real Time Group, Inc. (TN)

I was contacted on XX/XX/2020 XXXX by Real-time Resolutions XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX The agent said they were calling about an unpaid debt to XXXX  XXXX XXXX in the amount of {$5000.00}. I advised the agent that I am unsure about the information being given and requested a debt validation letter. I have my mailing address and waited to receive the information in the mail. It is my understanding that collectors have 5 days by law to send this information. Two months later I began receiving harassing phone calls to make payments on a debt that has never been validated. On XX/XX/XXXX at XXXX XXXX  I spoke with an agent by the name of XXXX and advised her of my rights and that the debt validation letter hasnt been received. She places me on hold several times and began to become very forceful in her tactics to collect said debt. I advised her that she is in danger of being reported by violating my rights and the line became disconnected. This is my formal complaint against Real-time Resolutions for violating my rights under The Fair Debt Collection Practices Act and refusing to send a debt validation letter.
Consumer complaint received 2023-01-13
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. (FL)

I did thorough research myself & found no items removed & still found many inaccuracies on my credit report even after they did careful research. 

These are the ONLY personal information that should be reported on my credit report : Please update my address to : XXXX XXXX XXXX XXXX XXXXXXXX FL XXXX. Please update my name to : XXXX XXXX. 

I requested that all inaccuracies names and numbers listed below be removed immediately as they are inaccurate and put me in a situation that is unfair financially, and a disadvantage to the rest of the world
Consumer complaint received 2018-03-03
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. (OK)

My checking account is attached to my XXXX account. My XXXX account was hacked and there was a XXXX charge made in XX/XX/2017. This caused me to have 5 overdraft fees. I notified Chase and they reversed the fraudulent charge. They sent me a letter 2 weeks later saying that they were taking my reversal back and adding the charge back to my account. This is unfair and I need help getting Chase to reverse the charge to my account that I didnt authorize and give me my XXXX plus the XXXX insufficient fee funds.