davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-18
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY (IN)

On XX/XX/XXXX, I opened a Wells Fargo XXXX Checking account online. 

Later, I received a promotional offer to earn a {$2500.00} bonus with a deposit of {$250000.00}. The bonus terms stated that the offer was available to customers who upgrade an existing consumer checking account to a XXXX  Checking account. To be receive the bonus, the customer must upgrade the account to a XXXX checking account, and " bring {$250000.00} in new deposits to qualifying linked accounts by day XXXX and maintain at least a {$250000.00} balance through day XXXX after account upgrade or opening. '' On XX/XX/XXXX, I met with a banker in branch to upgrade the account and apply the promotion. There was a computer glitch, and for some reason the banker 's system was not allowing her to input a promo code. She filed an internal ticket and gave me a reference number, and said that the bonus should be applied to the account within XXXX business days. 

On XX/XX/XXXX, I transferred a XXXX IRA from XXXX to Wells Fargo, with securities worth approximately {$230000.00}. On the same date, I redeemed several XXXX Treasury bonds worth just over {$31000.00} into the checking account, bringing my combined new deposits to approximately {$260000.00} -- more than the {$250000.00} requirement to receive the bonus. 

On XX/XX/XXXX, Wells Fargo deposited a promotional bonus of {$300.00} into my account. 

I followed up at the beginning of XXXX with a phone call asking about the incorrect promotional bonus amount. The person I spoke with opened an internal case and told me that I should hear back within XXXX business days. 

XXXX weeks later, having heard nothing, I followed up again by phone. This time the agent said that the bonus requirements had been met, but the promotional deposit would not be made to my account until 30 days after the end of the promotional period. 

At the beginning of XXXX, I called again, and once again they opened an internal ticket and told me I should hear back within XXXX business days. 

My most recent call was on XX/XX/XXXX. The agent again said that the bonus should have been applied and opened another internal ticket. 

On XX/XX/XXXX I received XXXX separate letters from Wells Fargo, each with the exact same text. Each of them stated, " After reviewing your inquiry and the promotion requirements, we requested a payment of {$2500.00} to be applied to your account on or around XX/XX/XXXX. '' While I did receive a promotional bonus deposit of {$300.00} on that date, the remaining {$2200.00} is nowhere to be found. Although they acknowledge that I should have received the bonus, I seem to be getting nowhere with getting the bank to actually deposit the remainder of the funds.
Consumer complaint received 2022-11-07
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ORG GC GP BUYER, LLC (WV)

Received written notice about collection. Immediately replied via certified letter in XXXX to verify the debt, I had no recollection and even reached out to XXXX, they had no record either. I still have XXXX services that are in good standing and paid in full every XXXX 

GC Services never responded to my debt validation request and reported the debt to my credit report on XX/XX/2022. Please remove debt since it can not be verified.
Consumer complaint received 2022-11-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Spero Solutions, Inc. (PA)

Ive been paying XXXX  or XXXX  XXXX for about 2 years now and just found out it is a scam company! I am trying to get my money back! There is no contact number and the XXXX  cant help because they said no information on file.
Consumer complaint received 2021-02-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TD BANK US HOLDING COMPANY (NY)

Many years ago I had a cook two cards with XXXX XXXX and one with Target and each of those cards I was able to negotiate a pay for a deletion where I paid the account in full and they promised me that they were going to delete those accounts from my credit report and both of those companies have since reneged on the deal and they tricked me and manipulated me into paying these balances that I did not believe were mine in the first place in order to remove them from my credit report which are they went and they sent me a letter saying that it you know it was going to be deleted and I since have sent them this letter and I have not been able to remove these accounts from my credit reports are they have in my opinion in a committed negligence fraud and I would like to take legal action and sue them for all the violations that they made in these instances and him as I told them when I have calls are at least 10 times I have tried to dispute both of these are items so all three of these items are over 10 times with the bureaus and Ive been unsuccessful in each attempt and I have provided documentation to prove my case and these are for accounts that are paid in full and like I said they promised to delete them so they have reneged on their word and now they are costing me thousands and thousands in as they ruin my credit and I want them deleted immediately if they are not deleted in 30 days from this complaint I am going to pursue legal arbitration and Im going to take this up with the courts because Im done with this this is my last attempt to get a delete it if they dont delete it Im taking legal action 1000 % so thats it
Consumer complaint received 2020-09-29
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc (MA)

Hello I have a complaint with a company named chime bank but also with the XXXX XXXX  company who helps with funds with chime and XXXX XXXX as well I was getting money from unemployment since XX/XX/2020 and they took all XXXX - -- -- -- -- -- XXXX or more and lost wage they have given me hard time to return that money and then to of XXXX 2020 and they told me they have it and will give back to me ( which is was a hard lie to shut me up ) That what they said but never they return the money they put me and horrible mess with our bills they always did a quick email response so it would be something but ever time it was different but not to different they are embezzle money and wont return it. I have documations of them basial lieing and pleading that they have it and will give it back when they have second they are crazy .i want this company shut down and to return the money to billons maybe more and with settlement to those who are having the same problem i want the CEO in jail and i want my money back. and then some
Consumer complaint received 2020-09-29
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. (FL)

I have reviewed my credit report, and there is information that I have discovered which is not mine, which I would like to immediately dispute and have investigated. I believe that I may be a victim of identity theft. I do not recognize these accounts, and have never incurred debt with these creditors. I do not know where they came from. Thus, I am requesting that you please verify the validity of these accounts, and remove them once its confirmed that they are not mine.
Consumer complaint received 2020-09-29
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: BARCLAYS BANK DELAWARE (PA)

This complaint is about Barclays Bank Delaware. On XX/XX/XXXX I made a purchase in the amount of {$2200.00} to my Barclays Aviator card ending in XXXX. On or around XX/XX/XXXX Barclays notified me that that card had been compromised and that they would need to send me a new card. Shortly after I received a new card ending in XXXX. I have had the exact same phone number, mailing address, account log-in for both cards the entire time. On XX/XX/XXXX the merchant for the transaction referenced above sent a refund. As of XX/XX/XXXX I had not seen the refund reflected in my account, I never received an email, phone call, or postal mail informing me that Barclays had this refund due to me. As I mentioned, none of my contact information changed and Barclays had the ability to refund me these funds due or at the very least contact me in some way. This was 18 calendar days ( and 11 business days ) after the refund was sent. I called Barclays Customer service on XX/XX/XXXX to inquire about the status. The customer service representative immediately saw the transaction I was calling about, confirming what is clear : Barclays had this refund, knew about it, and knew how to reach me. The customer service representative offered to resolve the issue. On XX/XX/XXXX, 6 business days after my call, I still had not received the refund or any notification from Barclays. Therefore, I submitted a message in my account " Contact us ''. I have continued to follow-up with them with no resolution. They also keep changing the timeline for when this will be resolved. I am attaching the initial and all follow-up conversations to this message. As of today, it is over 30 days since that refund was sent and I have not received it and I have not received information telling me when I will receive it. I was told on XX/XX/XXXX that a manager would call me in " 24-48 hours '' and they never called. I followed-up again on XX/XX/XXXX and then I was told " it can take up to 72 business hours '' for a manager to call. The bottom line is, they are not sending me the {$2200.00} they owe me, and they keep changing timeline for when a manager is going to reach out to me to resolve. I don't need or want a call from Barclays at this point ... I want the money they owe me. A multi billion dollar bank should not be allowed to hold individual 's money this long for something that is an ALL ELECTRONIC transaction when they KNOW how to get in contact with me.
Consumer complaint received 2020-09-29
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 A VICTIM OF IDENTITY THEFT, I NEVER AUTHORIZED THESE ACCOUNTS. THESE ACCOUNTS ARE HURTING MY CREDIT SCORE AND I FEEL FURTHER VICTIMIZED BY THE BUREAUS..
Consumer complaint received 2022-11-07
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Consumer Adjustment Company Incorporated (FL)

I am filing another complaintsince you failed to resolve this issue regarding my previous complaint [ XXXX XXXX ] In your response, you said that you sent thedocuments to my address but I never got anything like a debt validation letter. I am not sure who and where you sent it to but I never got what I have been asking you, and to be clear, I am NOT REQUESTINGFOR A VERIFICATION, but DEBT VALIDATION LETTER. 

This time to make it easier for both parties. I want you to attach the debt validation letter to your response to this complaint, this way the CFPB will also see that you really are doing your part infulfilling my request. I assume that since you claim to have sent it alreadyto me, it won'tbe an issue to send a copy through CFPB. right? You only have within 7 days to complete this request, failingthat, you need to clear my records or I'll it to the next level.
Consumer complaint received 2024-02-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Revco Management, LLC (NY)

The property where the utilities were provided was sold. I contacted XXXX after the sale of the house to cancel via telephone. They said that the account was closed however the following month I received another bill so I called once more to have the account closed. The following month, I still received a bill. I then sent an email to XXXX customer service stating that this account needed to be closed because I sold the property and have not lived there even months before the sale. I even included a copy of the closing statement. I once again tried to contact someone in management and missed the " 1 '' return call which left a voicemail to call back and speak to anyone. When I called back the number from the voicemail I was instructed that I needed to leave a voicemail and wait for a return call. Up to this day I have not received a return call but I am being harassed for a bill on account that I have requested to be closed multiple times due to the sale of the property. Please help me.
Consumer complaint received 2022-11-07
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. (TX)

Had 7 transactions totaling {$300.00} from XXXX that I did not make or authorize. Contacted JPMorgan Chase Bank to file fraud claims on the transactions. Chase is denying the fraud claims stating they have no authority over XXXX fraud claims, even though I have to go through my Chase app to use XXXX! XXXX claims they have no authority over the transactions and that Chase denied my fraudulent claims. Chase says there were no log in errors before the money was transferred so the transactions were valid. I have just lost {$300.00} and JPMorgan Chase Bank nor XXXX will do anything about it!!!
Consumer complaint received 2020-09-29
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Phoenix Financial Services LLC (TX)

After reviewing my credit profile on XX/XX/2020 I identified a discrepancy with accounts listed under Phoenix Financial Services. I requested a validation on XX/XX/2020 as these were accounts that I did not recognize. I reviewed my credit report again on XX/XX/2020 and the accounts continue to reflect on my credit report and I have not received any correspondence from creditor to validate these accounts as correctly belonging to me despite my credit report nor any updates to reflect that the accounts are disputed and therefore a 2nd validation letter was sent out on this day. I do not believe the account belongs to me nor do I believe that the creditor has HIPAA authorization to access the account nor authorization to attempt to collect on the accounts and the accounts continue to negatively affect me. Please strike and remove these accounts from all 3 credit bureaus until adequate  validation has been received proving that the accounts belong to me and all information is correct.
Consumer complaint received 2022-11-07
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. (IL)

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 OF XXXX has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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 2020-09-29
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I, XXXX XXXX believes in the credit reporting system as the most important element to the success of the commercial banking system. I am also a proponent of the Consumer Financial Protection Bureau ( CFPB ) as a tool to streamline issues on credit reports that may be dragging down my overall scores. Accordingly, I address each particular issue directly with the creditor in question, before submitting any complaint to the credit bureaus if necessary. Therefore, I desire the following reinvestigation as follows : 1 ) On accounts where late payments are posted, I respectfully request a review of the past payment history and to ascertain if certain payments could actually have been posted late because of an overlap on the 30-days grace period. I realize that this may happen on occasion, and I request only a summary review internally, and do not require any documentation.

2 ) On any account that falls within the 84-month negative reporting  timeline, I respectfully request either the deletion of the account if said account was closed, or the elimination of the prior payment if the account it is still active, this is well within the Fair Credit Reporting Act ( FCRA ) guidelines pertaining to obsolete information. 
3 ) Any collections must be proved if either a direct collection and/or debt purchase. In either event I request that a true original copy of right to pursue collection be established with each respective credit reporting agency, and if a debt purchase the guidelines proving transfer of ownership must be submitted to all credit bureaus as well as me personally to validate ownership and the right to collect. I am well within my rights requesting proper documentation as administered through the Fair Debt Collection Practices Act ( FDCPA ), the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), in addition to the even stricter guidelines enforced by the office of attorney general in my state of domicile. 
I respectfully request each investigation to be reported to XXXX, XXXX  and XXXX XXXX within a reasonable time period, hopefully 30-days. I realize that the current Covid-19 crisis could cause delays, so the best efforts of each financial institution and collection agency will be appreciated under the current circumstances. 
XXXX XXXX
Consumer complaint received 2022-11-07
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. (IL)

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 OF XXXX has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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 2020-09-29
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (MN)

I have already filed a complaint # XXXX with cfpb about Wells Fargo home mortgage. I have received letters from three big VPs in WF with generic letters XXXX XXXX XXXX - Home Mortgage XXXX XXXX XXXX - Home Mortgage XXXX XXXX - Home Lending Basically stating we can't help you. 

Here was the issue one more time ...

I made the stupid and foolish mistake of taking covid relief option for the home mortgage loan for 3 months ( XXXX, XXXX and XX/XX/2020 ). My loan # XXXX before the arrangement was {$170000.00} now it changed to {$180000.00}. Plus instead of differing me for 3 months they differed me for 4 months even though I informed them that three months all I needed. I made the payment for XX/XX/2020. But WF didn't help.

Worse of all and not knowing that WF reports on monthly basis all customers banking activities to consumer credit reporting agencies. Although, I was assured by the government that going on deferment with your bank will not impact my credit report negatively nor any information will be shared. It was opposite of all. My credit report was negatively impacted as WF reported my differements and was DENIED refinance mortgage loan. Currently, WF charging me haffty 4.25 % interest while I can get under 3 % a new mortgage loan. I have been a 25 plus years customer of WF and they treated my like XXXX. 

WF is a very large and greedy organization. Their leaders don't know what's happening to their customers. I am disappointed on their response, services, lying on my credit report and failing to address or fix my issues.
Consumer complaint received 2024-04-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Healthcare Finance Direct LLC. (TX)

XXXX XXXX XXXX offered me a XXXX money-back guarantee for aligners for my teeth. I tried the aligners but didn't like them, so I requested my money back within 30 days. When I emailed XXXX on XX/XX/XXXX, within my XXXX trial period, I was informed that XXXX had gone under as a company and is no longer honoring those guarantees. Now, I am stuck with a balance with Healthcare Finance Direct of {$2000.00} for a product I do not want because of the promised trial period that was not honored.
Consumer complaint received 2022-11-07
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. (IN)

There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.
Consumer complaint received 2020-09-29
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY (CA)

The debt is from Wells Fargo that claims I took a student loan out with them back in XXXX. I have never done business with Wells Fargo after closing my account in XXXX. This is a revolving issue that gets sent from debt collector to debt collector. The debt is not mine, nor has any ever provided any information that shows the debt is mine and is a real debt owed by me.
Consumer complaint received 2024-04-22
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Maury Cobb, Attorney at Law, LLC (TX)

Maury Cobb Attoney at Law LLC contacted me though mail stating that I paid or was credited XXXX XXXX XXXX {$6100.00} towards a debt I was not aware of and that I now owe {$120.00} as a final payment.