davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-12-19
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

In XXXX I had a power outage. It came back on that night. I immediately called Kohl 's and made a payment. I called on XX/XX/XXXX to make sure they received it. The girl said did i care if they charged me half a month late fee. In XXXX I called on XX/XX/XXXX the date my payment was due. I told her the fee was suppose to be removed. She told me to just pay my {$27.00} payment and the fee would be dropped. Instead it didn't, they charged me a full fee in XXXX as they said I didn ; t pay the half month fee that was suppose to be taken off. 
The informed me that the late fee would be added on to the balance. If I didn't pay they would report to credit bureau. I have been told they would remove the fee but still owe XXXX. They are ripping people off by adding that on to the balance. It is very confusing the way they do it. I did exactly as the girl told me too and I got billed a full late fee on the hlf which i was told would be removed. They have very bad help.
Consumer complaint received 2019-12-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (AZ)

On XX/XX/XXXX, there were 3 fraud checks cashed through my checking account, causing the account went to negative. Two additional legitimate checks were cashed on the same day. Wells Fargo charged overdraft fees on the legitimate checks and reversed the payments on the fraud checks. If there were no fraud checks, the fund would have been sufficient to cover the legitimate checks. Wells Fargo has refused to refund the overdraft fees based on the argument that the bank bears no fault.
Consumer complaint received 2019-12-19
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY (SD)

Several years ago Wells Fargo opened accounts without my authorization, more than the accounts I was choosing to open. 
I have dealt with multiple problems with these particular accounts not being closed as they claimed they had been. I made a previous complaint ( XX/XX/XXXX ) against Wells Fargo due to the issues of receiving debit cards for supposedly closed accounts. When I had attempted to contact them, nobody could help me and kept telling me incorrect information regarding this issue. When I was directed to the Executive Office, they were the least helpful and extremely rude to me. That is when I filed a complaint here. Wells Fargo failed to initially respond to the CFPB complaint in timeframe allowed. When they finally did, their response was from the Executive Office and although thorough, the issue had already been resolved at branch level by a competent employee of Wells Fargo. The response letter did inform of a monetary amount to me for {$120.00}. That was stated to be deposited within 2 statement cycles. This is has now not happened. When I contacted the Executive Office of  Wells Fargo, they placed me on long holds asked me numerous times for this case number and didnt seem to know or have information on this matter. As they did before they asked me for my number and will call me back once investigated. This is appalling that they seem to have no clue as to what I am calling about. They asked me where I got this information, I then read letter FROM Wells Fargo to the rep on the phone. I was initially respectful to the monetary resolution and the fact that the issues were addressed, but I have never received their customer appreciation monetary relief they stated would be provided nor does anyone know what is going on, nor have they called me back. They stated this before that they would call back and never did then either.
Consumer complaint received 2023-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

My personal information was stolen in XX/XX/XXXX, since then Ive been seeing a lot of unauthorized inquiries and accounts. In accordance with the Fair Credit Reporting act multiple unauthorized Inquiries have been found on my credit report please investigate and Remove all inaccurate inquiries I have listed immediately, the following includes : XXXX XXXX XXXX INQUIRY : XX/XX/XXXX XXXX INQUIRY : XX/XX/XXXX XXXX  XXXX XXXX XXXX INQUIRY : XX/XX/XXXX XXXX XXXX INQUIRY : XX/XX/XXXX XXXX XXXX XXXX XXXX INQUIRY:XXXX XXXX XXXX XXXX XXXX  XXXX INQUIRY:XXXX XXXX XXXX XXXX INQUIRY : XX/XX/XXXX 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 hand written instructions. 15 U.S.C 1681i Section a : states that if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file if no documentary evidence is found in accordance with FCRA, before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Consumer complaint received 2019-12-19
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Michael Wayne Investment (GA)

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Consumer complaint received 2019-12-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BBVA FINANCIAL CORPORATION (PA)

ON XX/XX/19 I attempted to deposit cash into 2 separate XXXX ( XXXX  XXXX XXXX XXXX XXXX XXXX ATMs. Both times the ATM displayed an error message stating " transaction can not be completed '' and the ATM did not return my cash out of the machine nor did it provide a receipt. I contacted my financial institution " Simple Bank '' and XXXX. XXXX is requesting a Regulation E dispute form be sent to them from Simple Bank. Simple Bank is refusing to do that and stating " You just need to work that out with the owner of the ATM ''. XXXX is refusing to do anything else until Simple Bank sends over the documents. Meanwhile I'm out my money and I can't get it back.
Consumer complaint received 2023-01-23
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Consuegra & Duffy, P.L.L.C. (FL)

On XX/XX/2023 my checking account was brought down to a zero balance without notifying me. It was for {$9.00} and it was removed from a company called Consuegra and Duffy PLLC. 
On XX/XX/2023 my savings account was brought down to a zero balance without notifying me. It was for {$470.00} and it was removed from a company called Consuegra and Duffy PLLC. 
When I logged into my account t I saw that both accounts were at a zero balance and I panicked so then I called XXXX XXXX immediately. I was told by the banker that I needed to contact the law firm that did this to my account and that was all the assistance that she could offer me. Upon calling the law firm, no one answered so I left a voicemail for a callback. Then I went online to the law firms website and created an online chat. I was told by the law firm that the case number I had from the bank transactions were not recognized by their law firm. They could not find my name, nor my Fathers name, and not even my step momss name associated with any account there yet the chat proceeded to tell me that the account is frozen but they cant tell me why and supposedly none of the three of us on the account were even recognized as owners of the bank accounts. They finished the chat by saying that they would call me back but never did. This has been ridiculously frustrating. And extremely stressful to have absolutely no funds for necessary expenses like paying the bills, buying food, and other necessities etc for our family.
Consumer complaint received 2019-12-19
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: JPMORGAN CHASE & CO. (MA)

A charge was submitted twice for the same stay on XXXX. 
XX/XX/2019 {$170.00} XX/XX/2019 {$170.00} The amounts differ slightly ; perhaps this was a fraudulent attempt to make it appear that both charges were legit. It made it difficult to file a complaint via the Chase Website, but I did anyway. 
Chase has ignored my online complaint, and two additional reminders I sent with my paper bill payments. The account is current, and I've stopped using the card, but they are adding penalties that falsely claim I'm behind on payments. 
Thank you for your assistance!
Consumer complaint received 2019-12-19
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (NY)

This complaint about Money Gram.on XX/XX/XXXX I did sent {$1000.00} to XXXX XXXX ( to my wife ) from XXXX XXXX XXXX. 
The reference number is XXXX. 
My wife ( in XXXX XXXX ) went to money gram agent and requested the money I had sent under the above reference number but the agent in XXXX XXXX says there is no money under the reference number. Then I called ( several times ) to money gram agent and asked what happened then agent said they want to investigate ( or find out ) who is the receiver and gave some phone numbers to contact from XXXX XXXX but non of the numbers are not working and all the money gram agent my wife went were saying the numbers have given not working and further said the money gram trying to hide something that do not want to tell us. 
I did called several times to money gram and one agent says they want to give my personal information to the government body hear in US then I gave my all the information to the money gram, after that they say they want to do same thing with my wife but never give correct phone numbers or address to contact in XXXX XXXX. 
Money gram involves with this complaint. 
I have sent money through money gram since last four year never expected like this before.
Consumer complaint received 2019-12-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Brock & Scott, PLLC (GA)

Brock & Scott cancelled a foreclosure sale XX/XX/19 and told the CFPB that it did so. 

It is still listing the foreclosure sale on the following sites : http : XXXX https : XXXX https : XXXX I have asked the debt collector to confirm the cancellation and have yet to receive a response. The sale was cancelled because the foreclosing party did not have the legal right to foreclose. 

The debt collector has informed no one that the alleged debt is disputed.
Consumer complaint received 2019-12-19
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. (MN)

I am filing a complaint with you in regards to Experian. I have filed multiple disputes on two US Dept Of Education Loans reporting to my file that have ruled in my favor now four times. 

The account has been closed after the dispute. 

What I am disputing is Experian 's reporting method. 

Before the most recent dispute I was at a XXXX on my credit score. 

After this company fraudulently reported information to my credit report it changed to XXXX. 

After the dispute was approved and found in my favor my score changed to XXXX. 

This issue has cost me dozens of points in my score and is not the first time that this has happened.
Consumer complaint received 2019-12-19
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. (MN)

I am filing a complaint with you in regards to XXXX. I have filed multiple disputes on two US Dept Of Education Loans reporting to my file that have ruled in my favor now four times. 

The account has been closed after the dispute. 

What I am disputing is XXXX XXXX reporting method. 

Before the most recent dispute I was at a XXXX on my credit score. 

After this company fraudulently reported information to my credit report it changed to XXXX. 

After the dispute was approved and found in my favor my score changed to XXXX. 

This issue has cost me dozens of points in my score and is not the first time that this has happened.
Consumer complaint received 2019-12-19
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. (MN)

I am filing a complaint with you in regards to XXXX. I have filed multiple disputes on two US Dept Of Education Loans reporting to my file that have ruled in my favor now four times.

The account has been closed after the dispute.

What I am disputing is XXXX  's reporting method.

Before the most recent dispute I was at a XXXX on my credit score.

After this company fraudulently reported information to my credit report it changed to XXXX.

After the dispute was approved and found in my favor my score changed to XXXX.

This issue has cost me dozens of points in my score and is not the first time that this has happened.
Consumer complaint received 2019-12-19
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. (SC)

AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY ON ONES CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.
Consumer complaint received 2019-12-19
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. (SC)

AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY ON ONES CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.
Consumer complaint received 2018-04-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (TX)

I had a credit card with AMEX because I used it at XXXX. XXXX   decided to terminate the relationship with AMEX and my AMEX account was closed. XXXX  sold the list to Citibank who sent me letters telling me to sign up for a XXXX XXXX   credit card.

I did not sign any forms with Citibank and now they are attempting to collect money from me. I have never charged anything, I do not have a Citibank card. Their charges are from their annual fee and interest.

I have written to Citibank several times and they do not answer.

I get calls daily from a Citibank robo caller.

I hate Citibank.

I think this is like XXXX XXXX opening accounts without permission.
Consumer complaint received 2023-01-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Open Dealer Exchange, LLC (CA)

I went to XXXX XXXX XXXX ( in XXXX, CA ) on XXXX XXXX, 2023. I was explicitly assured multiple times that the information I was giving was to solely be used for a soft pull. Each time I gave information, I asked And this is just for a soft pull, right? to which I was told yes each time, which was at least thrice. I have now been notified by my financial institutions that the dealership has added a hard inquiry to my report.
Consumer complaint received 2019-12-19
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (WY)

My mortgage company 's Attorney failed to send crucial and extremely important documents to my husband and myself. This despicable tactic took place both in XXXX and XXXX of this year. While in the middle of a judicial court battle, this attorney certified that on XX/XX/2019, a true and correct copy of the Memorandum of Opposition was served by U.S. Mail, first-class postage prepaid, to my husband and myself at our address. These documents NEVER arrived in the mail. When we inquired of this attorney, she claimed she was not required to send these documents as certified mail, which would have the ability to be tracked. She stated in an email, the following, " The package gets prepared and then sent to our clerk to mail out. It goes out via regular mail. It is not anything I can track. I do have the pkg I scanned in and sent for mailing, along with my signed certification that it was mailed out. There wouldnt be anything else I can provide youas it is not certified mail, nor is it required to be. '' This despicable tactic again took place on XX/XX/2019, as this attorney certified that a true and correct copy of the Motion for Summary Judgment was served by U.S. Mail, first-class postage prepaid to both my husband and myself. Once again, these documents NEVER arrived in the mail. When we again contacted this attorney as to why she never sent these documents to my husband and myself, she stated in an email, the following, " Here is a copy of the Motion for Summary Judgment we filed, mailing certificate on page 78. Certified mail is not required, only regular mail is. I dont have tracking I can provide you, all that is required is the certificate of mailing. '' Ironically, these documents arrived to our local court with no issue. It would be literally impossible for all 4 of these mailings to have been lost in the mail which were SUPPOSEDLY sent separately to my husband and myself. The XXXX mailings were 79 pages. The type of packaging these 79 pages would have required should have a bar code and should be very easy to track through the postal service if they had in fact been mailed.
Consumer complaint received 2021-08-30
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. (FL)

I found the following fraudulent accounts on my credit profiles and notified the credit bureaus along with my identity theft report, yet they remain ; XXXX  XXXX {$27000.00} XXXX  XXXX {$17000.00} XXXX  XXXX {$580.00} Chapter XXXX Bankruptcy XXXX Please help
Consumer complaint received 2019-12-19
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: SYNCHRONY FINANCIAL (PA)

I was shocked when reviewing my credit report and found a late payments on the dates below : 30 days late as of XXXX XXXX, 30 days late as of XX/XX/2019 and 60 days late as of XX/XX/2019 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.
Consumer complaint received 2019-12-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PNC Bank N.A. (PA)

An authorized payment to my credit card were deducted from my available balance on XX/XX/19 and XX/XX/19. Which also had the funds to cover the payments. However the next day the transactions on the list were rearranged in an order to where the credit card payment deducted on XX/XX/XXXX was reversed and a NSF assessed to it as well. I contacted my bank and they were unwilling to do anything or offer a logical explanation. I have the statements to show and validate my claim. My overall complaint is they rearranged the transactions then reversed a transaction already covered by a positive balance. Then reversed it and assessed an NSF fee to be able to distribute the payment to other transactions to cover them. The bank is PNC. My name is XXXX XXXX. My contact is XXXX and my cell # is ( XXXX ) XXXX. Ive also attached my statement outlining in red the reversal and outlined in blue are the transactions being taken out with a positive balance.
Consumer complaint received 2019-12-19
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: U.S. BANCORP (NY)

Every single business day XXXX XXXX on behalf of Elan has called my business in excess of 10 times a day. When I answer, they ask for someone who is not present at the business and are unwilling to talk to anyone else. I ask them to stop calling me and they simply tell me they can't stop the calls from happening. I've tried speaking with managers, etc. and no one is willing to stop or reduce the call volume or speak with anyone else in the business. It is downright harassment and is extremely aggravating. I warned them I would be submitting a complaint and they told me to go ahead.