davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. ()

Equifax will not send me my credit report, as promised in XXXX of 2019. I re-requested my free credit report last week and Equifax will still not send it to me. I may have inherited a large sum of money and I need to see my Equifax report to see where the bank account is located.
Consumer complaint received 2019-07-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: M&T BANK CORPORATION (FL)

XX/XX/2019 XX/XX/2019 XX/XX/2019 Had An insurance claim during the hurricanes, Had everything repaired and within the time needed 90 days. M and T bank and insurance company had communication issues which caused a 2 month delay of transfer at no time. M and T had been taking Penalties From my escrow and charging me on my bill. Theft!
Consumer complaint received 2022-10-26
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: Experian Information Solutions Inc. (IL)

I noticed on consumer credit reports that theres unauthorized inquiries on my XXXX, Experian and XXXX reports. Someone applied for something using my name and SSN. I am uploading supporting documents that the Illinois department of human services website was breach by hikers and important information was breach
Consumer complaint received 2022-10-26
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION (MO)

On XX/XX/22, I went online to find XXXX support; found the telephone number of XXXX. Called the number, the representative ( rep ) told me to download the app XXXX so that he can verify that I was the person associated with my XXXX account. I didn't know that downloading this app gave the person access to my accounts. From that moment the rep advised me that was he was sending verification codes. At that time I wasn't aware that the verification codes was actually money coming from my account via XXXX. Later I found out that since the person had access to my phone he deactivated my XXXX account. Later to be told that a text should had been sent out to verify that I was the one making the transfer. I can only assume that it was intercepted by the scammer. I never received any alerts. The amount that the scammer transferred via XXXX was {$1400.00} ; XXXX different transactions. 

I was advised by the rep at NFCU to change my phone number, in which I did. The fraud department has handled my fraud claim very poorly. I didn't hear anything regarding my claim as far as documents needed to support the fraudulent claim. I just so happened to log into my account XX/XX/22 and notice that there was an adjustment to my account. Call customer service and was advised that the fraud claim had been denied. Request that she transfer the call to the fraud department. I was placed on hold, when I was told that the fraud department states that they are unable to speak with me. Suggested that if I wanted to appeal the decision I go do so with online banking through a message. What type of customer service is this? Of course I asked the customer service representative questions to only hear that she is sorry and not sure of the answer. I later called back to report this incident the fraud department manager. During the call she had the phone on mute the entire time. After I go into this long spill of what happen and how frustrated this has been, there literally was a an awkward moment of silence. Then she unmutes the phone and says I am so sorry XXXX XXXX. She claimed that she will put on message on my fraud account. 

I just want my money back. I NEVER authorize this charges via XXXX. I questioned the manager in the fraud department what does FDIC secured mean. She states that the fraud department role is to get my money back if possible. If not, then they have the option to refuse to cover the fraudulent charges. Overall, this doesn't make sense, so what is the point of securing money in a financial institute if people can steal your money and the customer is left with dealing with this chaos. Dealing with the credit union not asking for documents when I initially filed my fraud claim has caused emotional, mental and a financial burden. Having to process someone taking money from your account and I never authorize it has been an ordeal within itself. More so the way the scammer took my money has been mind boggling to me.
Consumer complaint received 2022-10-26
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Credit Collection Partners, Inc. (MN)

I spoke with a woman named XXXX on XX/XX/22 and told her DO NOT call my phone anymore, they keep continuously calling from different numbers. they are harassing me over a debt from 15 years ago that i do not owe them. it is embarrassing and causing me mental stress.
Consumer complaint received 2023-05-12
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. (AL)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX, AL XXXX XX/XX/XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX, AL XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX IN XXXX, XXXXXXXX XXXX XXXX  XXXX XXXX XXXX GA XXXX, XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00}XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX : {$48000.00}, XXXX XXXX XXXX Balance XXXX {$2900.00}
Consumer complaint received 2021-09-24
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: Self Financial Inc. (PA)

I am XXXX XXXX and XXXX am submitting this complaint myself and there is no third party involved. The information you provided is different from other bureaus. This account is reporting late, yet it is closed and the balance is XXXX as reported in my 3 Credit Bureaus. Also, please reinvestigate the whole information especially the status information of this account. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints.
Consumer complaint received 2018-02-26
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: FIDELITY CAPITAL HOLDINGS, INC (CA)

I had a medical emergency from XX/XX/XXXX and I had to use the XXXX XXXX from my city. At that time I had medical and when the bill came I sent the XXXX XXXX my information and I never heard from them again until Summer of XX/XX/XXXX, but I got contacted by XXXX XXXX XXXX in the city of XXXX. I spoke to a person named XXXX XXXX and she was very rude and was talking down on my personal life. I had just came back to work in XX/XX/XXXX due to being on XXXX leave and I explained that to her she did not care nor try to work with me. Her words did affect me emotionally due to the fact that I had just XXXX XXXX in XX/XX/XXXX. I refused to speak to her since she was very disrespectful and also harassing my job, so I asked to speak to someone else. I got transferred to someone else and I explained to them my situation and I told them that I needed to reach out the social worker and ask if they can pay for that balance since I was covered, so when I called the Medical Offices they said they were able to pay for it and then a couple days later I got a call from my social worker saying that unfortunately they weren't able to pay for the balance. I called XXXX XXXX XXXX to let them know about the case and I explained to them that I didn't have money and that I was going to talk to my social worker to see what can they help me with he said it was fine and to call back once I was ready. I called them on Friday XX/XX/XXXX and told them that I only had a certain ( {$1500.00} ) amount that I can give them the person whom I spoke with her name was XXXX she put me on hold and said she was going to speak to her supervisor, when she came back to the line she said that they can help me by paying off the debt with only {$2000.00}, but I had to take in cash to their office. I told XXXX I didn't have that amount I only had the {$1500.00} she then put me on hold again and said she will ask her supervisor. When she came back on the line she repeated that they could only do the {$2000.00} and in cash only. I told her I can perhaps do {$1700.00}, but I would have to borrow the extra {$200.00} to make it {$1700.00} she said that if I had the {$1500.00} in cash and the rest can go on someone else 's credit card, but it had to be the {$2000.00}. My battery phone died and I didn't get a chance to finish the conversation with her. I found it a little odd that they asked for only cash, so I decided to call the Better Business Bureau and when I checked their Scam Tracker their Zip Code came out. I called the BBB on Monday XX/XX/XXXX and they said that they have about 9 complaints from that company and that their mail keeps getting returned back to them. I am not sure if I should go ahead and pay them because I do want to buy a home in the near future and I don't want my credit score to get jeopardize due to that company. Thank you.
Consumer complaint received 2023-12-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: WELLS FARGO & COMPANY (CA)

My cleaning lady tried to cash a check I wrote to her at Wells Fargo Bank. The bank claimed that they could not locate the account. The reason was that their automated check reader missed the last digit of the routing number. The check image they sent to her clearly showed the correct routing number at the bottom of the check. This is the 3rd time this has happened in the last 2 years at XXXX XXXX The deposit attempt was made at the branch in XXXX, CA. In all cases they have refused to rectify the issue. no other party receiving my checks has experienced issues with scanning them.
Consumer complaint received 2021-09-24
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CITIBANK, N.A. (FL)

The consumer financial protection bureau claims their on My side but these XXXX XXXX active depot XXXX are harassing me and no one is doing XXXX about it. Man XXXX so XXXX tired of this XXXX you guys are all law breakers and are getting away with but not for long because I will take this matter to the full extent. This XXXX XXXX XXXX scamming company Best Buy and Citibank revived my cease and desist and pretend like it never existed. I the consumer, the natural person has done everything in my power to handle this XXXX situation but these scammers continue to scam with no regards. District court is the next step Im tiered of all your guys bull shot if this matter isnt handled then it is evident the CFPB IS WORKING WITH THESES FINANCIAL INSTITUTIONS TO UNDERMINE THE CONSUMER IN THE BIGGEST CIRCLE OF SCAMS IN AMERICA. Conspiracy against rights 18 usc 241 look at the punishments for these acts and keep playing XXXX. I cant wait to get remedy for the fraud you guys are committing. This game is over
Consumer complaint received 2023-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

My account information is being improperly managed, there is a 30 day late payment posted on an account in great standings and has always been in good standings, called the Mortgage company to verify there has been no late payments posted, tried resolving with each of the credit bureau 's by asking that this account be validated and verified as accurate but have had no success.
Consumer complaint received 2021-09-27
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: CAPITAL ONE FINANCIAL CORPORATION (ME)

On XX/XX/XXXX I purchased two tickets to an upcoming XXXX XXXX  scheduled in XXXX ME. The concert was subsequently canceled due to COVID-19. I was told I would not receive a refund as the concert would be ultimately rescheduled. 

The concert was rescheduled in XXXX of XXXX. However, the link to my tickets was expired and would not work. I called and emailed the ticket company on numerous occasions and was told that " due to extreme call volumes and work shortages their response would be delayed. '' After several attempts for resolution to no avail I had to cancel my travel plans and accommodations 48 hours prior to the concert as I still had not tickets. That same day I filed a dispute with Capital One. I answered all their questions and provided them with every email and document I had available. 

I recently received a letter from Capital One ( albeit dated back on XX/XX/XXXX ), referring back to my dispute date stating that " At that time we began an investigation into your dispute and requested information from you. While we have received your response to this request, we have a limited amount of time to reverse a merchant 's charge. Unfortunately, that timeframe has expired for this particular charge. '' Apparently implying that because I waited a year to dispute the charge, after being misled that I would get new tickets in time to travel to the newly scheduled concert, I was " out of luck. '' The face of the matter is the merchant got paid and provided me with no product or service and misled me the entire way. As the credit card company feel that is up to them to stop this sort of behavior, The whole reason I use credit cards is for the added security they supposedly bring over cash.
Consumer complaint received 2019-01-24
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: CURO Intermediate Holdings (TX)

I was out of job for 2 years because I was hurt. On XX/XX/2018 I went to Speedy cash and I took a payday loan in the amount of {$960.00}. I was desperate and I did not wanted to become homeless. I went there and they did not explained to me what I was signing. I have been paying {$210.00} on XXXX of the month since XX/XX/2018. I saw in the app that on XXXX first I have to pay {$1200.00}. There is no way I will be able to come with that money. The payments I have been making in XX/XX/XXXX total XXXX and while I understand businesses need to make a profit, I dont understand why I have been charged so much interest. I want to honor my commitment but it is so much money.
Consumer complaint received 2018-02-26
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Conn's, Inc. (TX)

My complaint is regarding XXXX XXXX XXXX. Cons headquarters is located at XXXX XXXX XXXX XXXX Texas XXXX. Cons phone # XXXX. The CEO is XXXX XXXX, COO is XXXX XXXX and CFO is XXXX XXXX. 
This complaint is surrounding Cons failure to clarify exactly what the terms of the agreement created XX/XX/XXXX. I have been a long-standing customer of XXXX XXXX XXXX since XX/XX/XXXX. My complaint is regarding Conns account # XXXX ; monthly payment of {$94.00}. 
In XX/XX/XXXX, I received a solicitation letter stating that my credit limit increased. I called the number provided and spoke to the credit department who confirmed my limit was $ 3000.00+. At that time my # XXXX balance was little under {$300.00}. With the increased credit line, I purchased three items. Unbeknownst to me, the credit increase was not added to the existing balance. Conns created a whole new loan, account # XXXX, with a payment amount of {$190.00}. 
Once I realized what occurred I called customer service. Records should show the several attempts to resolve this matter directly with Conns. I explained on each occasion that I could not afford to pay for two accounts with the payments totaling {$280.00} a month. The reason I was given why they could not combine the accounts was because # XXXX balance was under {$300.00} too low per their policy. 
Conns is reporting negative data to the Credit Bureaus. Im trying to improve my credit score ; this issue has damaged my credit. Since this debacle, I have made two small payments toward the old account # XXXX. The new account is current with a next due of XX/XX/XXXX iao {$190.00}. To add insult to injury, Conns default group calls me daily, sometimes as many as 12 times a day including Sundays. 
This complaint is regarding XXXX XXXX XXXX, customer service, collection, credit and financial departments. I am requesting that Conns move the current balance of {$170.00} from account # XXXX to account # XXXX. Also remove any late fees and negative reporting from all three credit bureaus. I ask this since the terms of the new account regarding my old account were not clearly explained to me at the time of financing.
Consumer complaint received 2022-10-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

I have been a Member of XXXX XXXX Bank since XXXX. Not until I went into the Bank to inquire about a possible Loan, I was given instructions how to check my Experian Credit Reporting Credit Report and FICO Score. When I checked the information regarding my Credit Report within my XXXX XXXX Account, I noticed Experian is reporting a different Credit Score that is actually on my Experian Credit File. I have created a signed -in member Account with Experian Credit Bureau to check what has been reported on my credit file and if there has been any changes with my. current Credit Score .I am very concern about the two ( 2 ) different Credit Score showing on my Member/sign-in Experian Credit file and what's showing in my Credit Report and the FICO Score on my XXXX XXXX Account. There seems to be a vast different between the XXXX.
Consumer complaint received 2023-12-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2022-10-26
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: PENTAGON FEDERAL CREDIT UNION (VA)

On XXXX XX/XX/2022, we requested that my Credit Union, Pentagon Federal Credit Union ( PenFed ) transfer {$700.00} to XXXX XXXX XXXX who resides in XXXX, XXXX XXXX. XXXX XXXX never received the {$700.00}. We have been working with PenFed for almost XXXX months now to reverse the international wire transfer. To date no resolution to the matter has been accomplished. Today, I was told that if the foreign bank does not reply to PENFED 's request that we have lost the {$700.00}. I'm not too sure where PenFed sent the monies but what we know for certain is that XXXX XXXX did not receive the {$700.00}. We have been members of PenFed for over 36 years and this is a terrible way to treat anyone.
Consumer complaint received 2019-01-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (FL)

On XX/XX/XXXX, I submitted a mortgage payoff in the amount of {$290000.00}. Mr. Cooper/Nationstar Mortgage acknowledged the payment was received on XX/XX/XXXX. This payoff included interest for the entire month of XX/XX/XXXX. Accordingly, we are due back 20 days of interest ( for the period of XX/XX/XXXX to XX/XX/XXXX ). 

Mr. Cooper/Nationstar Mortgage had provided us a payoff quote. The payment of {$290000.00} was calculated as follows, per their quote : {$290000.00} -Balance due through XX/XX/XXXX. 
{$110.00} -Late Charge per quote if paid after XX/XX/XXXX. 
{$2100.00} -Additional full month of interest if paid after XX/XX/XXXX. 

{$290000.00} -Total submitted on XX/XX/XXXX. 

We are due back {$1300.00} for the overpayment of 20 days of interest : {$2100.00} ( interest for full month of XXXX ) 31 days = {$68.00} ( Daily interest charge ) ; 20 days X {$68.00} = {$1300.00} ; To avoid any confusion, please note I have received two checks from Mr. Cooper ; neither of which included the interest charges due back to us : {$3300.00} -Mortgage escrow balance. 
{$110.00} -Refund of late fee : fee was submitted per payoff, but funds were sent to Mr. Cooper within the grace period. 

I am therefore requesting the interest due back to us in the amount of {$1300.00}. I have contacted Mr. Coopers customer service line twice ; the first call was on XX/XX/XXXX. Both times I was told someone would return my call after looking into the matter. To date, no communication has been received.
Consumer complaint received 2023-03-14
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)

If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- ( i ) promptly delete that item of information from the consumer 's file or modify that item of information, as appropriate, based on the results of the reinvestigation : XXXXXXXX XXXX to be removed XXXX XXXX XXXX XXXXXXXX XXXX these accounts were fraudulently opened and charges were made that i was not aware of, i was also threatened by the criminals to do certain things i did not want too. the companies will not remove the charges and holding me responsible. the fbi was contacted and police report filed. XXXX, Transunion and XXXX are hindering my credit the accounts numbers do not match, date opened, payment amounts, there are a lot of discrepencies.