davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-27
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/24 I placed an order with XXXX XXXX and paid with my debit card Bank of America amount of XXXX Long story short the company had a large sale but website was not working properly. I contacted customer service via chat to inquire when it will work and was told to check later. I checked next day and still unable to place order. I contacted chat and asked if they can place order for me so I can take advantage of the sale. They confirmed my address and other info including what I wanted ordered and then asked me to click a link to pay. When I did that chat timed out but transaction went through so I thought the purchase was made. I received no confirmation email so I contacted chat for the second time this time I was told the confirmation email takes some time and to keep waiting. After several hours no email. I contacted chat the third time and asked to check on my order. At this point this is the third time someone has checked my name, order number and asked me to confirm my address. She said the order was not finalized and she needed to click XXXX more button which she did. After an all day endeavor I finally go this done. 

Turns out even after giving XXXX XXXX my address and then them confirming it XXXX  times they still sent the purchase to a wrong address which what my old address from my account with them. When I noticed this some days later I contacted chat and asked them to redo my order but they refused asking me to keep waiting to see if the order shows up even though I had post office delivery conformation to a wrong address in XXXX and I am in XXXX. Additionally I noticed they sent me wrong merchandise but thats besides the point. 

I went back to bank of america to dispute the transaction because the merchant was not willing to help. They took 2 months conducting an investigation and are now declining my claim. In the declination notice they sent me the only evidence the merchant has sent them is a positive delivery ( TO A WRONG ADDRESS CAUSED BY THEIR MISTAKE ) and their return policy. As mentioned before in the chat I was asked several times for my address and provided the correct XXXX yet their employees chose to send my purchase to address listed on account which was not updated. I don't see why this is my fault and so I never received this merchandise and actually placed a separate order again much later to replace missing items. I want the money back for order I did not receive since bank of america did not do proper investigation into merchant and is now denying my claim to stop payment and reverse transaction.
Consumer complaint received 2023-02-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IN)

I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects.
Consumer complaint received 2024-01-10
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (FL)

I really don't know where to begin with this at but I've had a chime banking account for almost 5 years now and in XXXX I started having problems with an unauthorized transactions on my account so I file dispute with chime and they denied it and recently I was stopped by the police on XX/XX/XXXX I was arrested and put in jail until XX/XX/XXXX I retrieved my phone from the police department on XX/XX/XXXX and at that time I opened up my bank account and I find out that my credit bill card had been canceled while I was in jail and that time had taken all my money out of my account to pay all the credit builder when I receive my statement I had XXXX charges to cash app I have no cash up account that claim has been disputed and it's still in progress I have several claims that they have denied but I also have complain to stride Bank and they did an investigation into my account and the investigation clearly states that since XXXX of XXXX  my account shows take over and I have had problems with this continually I have done everything possible to solve this problem of ask time to put a password on my account that I only know and they would only know they would not do that I've had my accounts closed I've had my phone number changed my address change I even had a debit card sent to another address that wasn't mine so this has been an ongoing problem and it's to the point where time is made me lose my vehicle now that's going to make me lose my place of residence because I can't pay my bills and they keep denying my claims I've asked them for arbitration they have not responded to that yet as of yet and I'm at which end
Consumer complaint received 2023-02-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Affirm Holdings, Inc (PA)

The company XXXX XXXX a smaller company of Affirm Inc has reported to the credit company XXXX that I owe on an account. The account has been paid in full since XXXX XXXX XXXX and I was never late on payments. The reporting to XXXX dropped my score because it is showing that I owe when I in fact do not. The full amount was {$300.00}. I completed four payments of {$75.00} which was completed as of XX/XX/XXXX. I tried to have this rectified through XXXX which did not happen amd it remains on my credit incorrectly. I also spoke to XXXX XXXX and they confirmed I do not owe anything on my account.
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 — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

in accordance with The Fair Credit Reporting Act XXXX XXXX XXXX has violated my rights 15 usc 1681 section 602 a states i have the right to privacy. 15 usc 1681 section 604 a section 2 it also state 's a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2024-01-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (NY)

Midland Credit Management is trying to collect a debt for XXXX XXXX XXXX however I have never and currently do not own this account. I had no no inclination of this account until it appeared as a collection on my credit report.
Consumer complaint received 2023-02-23
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC (FL)

My mortgage company 's : Ameri Home Mortgage I am XXXX XXXX  who has been approved to be tax exemption ( from property taxes ) based on my service connected XXXX. 

I've reach out to the mortgage company on serval occasions ( XX/XX/XXXX ; twice on XX/XX/XXXX ) regarding reducing my monthly mortgage payment based on my tax exemption. 

All documents were submitted in XX/XX/XXXX, after speaking with a representative from the company, the person stated they have all the required documents and it would take XXXX business days to complete the action to reduce the mortgage and XXXX mortgage would reflect the reduction in the mortgage. 

As of XX/XX/XXXX no action has taken place to reduce my mortgage. 

If the escrow account is short, the mortgage company would immediately take action to send out a notice for payment. I'm requesting that mortgage company take the same action with acting timely to reduce the mortgage based on the tax exemption. 

Thank you. 

XXXX XXXX
Consumer complaint received 2023-02-15
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (PA)

We had our Wells Fargo ( WF ) checking and savings accounts hacked by scammers. We first reported the transactions to WF and they investigated the issues and returned our monies. At no time did they change our accounts or have us update the passwords. In 6 weeks time this issue happened again wiping us out again. I reported it again to WF and this time upon their direction all accounts were reissued and new usernames and passwords were completed. However, in receiving no direction as to the current investigation conducted by WF did they return the money. According to them I completed this, which I never did commit this heinous act. The scammers had full access to our accounts. No matter what I did the money was taken out of our account. WF has yet to provide any information about who or where the money has gone. I can not get anywhere with WF and they refuse to return our hard earned money. The amount that was stolen from us is {$22000.00} USD. There is sever security issues with WF and they can not provide consumers with safe and secure protections of hard earned money. This has been an ongoing issue for over 2 years now. The courts have recognized the errors committed by WF and have since ordered WF to make restitution to consumers. All if the transactions were made via XXXX and wire transfers. As soon as we observed the transactions via online banking I would immediately phone WF fraud dept. These calls were to no avail, as they always fail the consumer and side with the scammer. I was never given any information as to who or where the money went to, I would be told that is proprietary information, and they can't release it.
Consumer complaint received 2024-02-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NJ)

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT ACCOUNT # XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX 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 A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS
Consumer complaint received 2022-12-12
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. (CA)

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 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 XXXXXXXX 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 a 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 XXXX 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 2023-03-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (CT)

I have been unable to monitor my bank accounts properly for about a month due to hospitalization after car accident. During this time I am not sure who had access to my cards or phone. Upon coming home I noticed that both of my bank accounts had activity in the past month that were not just recurrent payments. I filed a claim with Wells Fargo for transactions from XXXX, stating that my last known transaction was from XXXX from XXXX for an amount of {$10.00}. These small transactions over the month totaled to around {$600.00}. Wells Fargo has denied my claim and I have talked to multiple representatives who all have different reasonings for why it was denied, all of which do not makes sense. One claim totaled 40 transactions with a total of {$510.00}, another of 10 transactions of {$120.00}, and a final one of 10 transactions of {$130.00}. The representatives were rude and disrespectful. I have spoken to all merchants involved who say I need to speak with my bank and that my account with them was hacked. Wells Fargo responded to my previous complaint with the same exact response, which is not a response. " we found compelling evidence supporting the decision that was already communicated to you. We agree with the decision made by the Claims Assistance Center to deny your claim as we found the charges were made by you and no bank or processing error occurred. At this time, we respectfully decline your request for reimbursement. Please consider this claim closed '' Again they do not state the " compelling evidence '' and I'm confused about how a XXXX  individual in a different state made these transactions? So I will not be considering this case closed, and I will be taking this to a lawyer if I have to, and continuing to file complaints with the CFPB. They then tried again to call me at almosXXXX XXXX XXXX at night one evening. Their feedback back was not helpful, and they know that no police station will take me seriously if I walk in. Wells Fargo is losing a customer for sure because I will never trust them with my money again. I have cancelled my account and have tried to call WellsFargo multiple times regarding their feedback that they required additional information. I was hung up on twice before actually speaking to a representative who told me they did not know what additional information that was needed so they needed to reopen a complaint just to then receive an email saying it was closed because I did not provide the additional information!! How about someone actually call me on the phone and ask for the information. Or when I call back not hang up on me
Consumer complaint received 2022-12-12
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: WELLS FARGO & COMPANY (WI)

On XX/XX/XXXX I filed a dispute with the XXXX XXXX XXXX XXXX department disagreeing with the items appearing on my credit report that are not in accordance with the FCRA act. I have not gotten any update or acknowledgement of my dispute. 

XXXX XXXX XXXX - XX/XX/XXXX Wells Fargo - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX  - XXXX & XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX In accordance with the Fair Credit Reporting Act XXXXXXXX XXXX below violated my rights to laws 15. U.S.C. 1681 Section 602A- which states that I have the right to privacy. 15 U.S.C. 1681 Section 604A Section 2- Consumer Report Agency can not Furnish an account without my written instructions.
Consumer complaint received 2016-08-11
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ALCHRO INC. (MA)

I 've notified this company for the past 2 years that the debt they seek should be taken up with the insurance company and I 've sent proof of my permanent disability over a year ago. Yet this company still Persues me in regard to this debt
Consumer complaint received 2022-12-12
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. (TX)

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 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, 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 a 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 2021-12-22
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (NM)

In XXXX of 2021 I reached out to Ameri save to refinance my home. I informed the processor who was assisting in handling my account application that I was interested in getting my home refinanced through them to save money in order to pay for school. 

The processor was more than helpful and super friendly especially when I informed her that I was a law enforcement officer for the state of New Mexico. The friendly behavior continued up until I consented to her company drafting {$500.00} dollars out of my account to lock in a mortgage rate in order continue to the application process. 

During this time, I was task with following up after days and sometimes going weeks without hearing from the processor. At one point I was contacted by another processor who was attempting to get me to pay more money out of pocket. I immediately asked for both processors to contact me to figure out what was going on and why they were asking for more money. The original processor contacted me via telephone apologizing, however never correcting the issue with the miscommunication. 

On XX/XX/2021 I received an email from her informing requesting for me to contact her immediately while stating, all we need is a survey to close on your loan. I left work to get this done and sent the information over to her. I then went weeks without hearing from her. 

On XX/XX/2021 I was finally able to get into contact with her via telephone. She tells me that I was the not approved for the loan. I informed her that I no longer wished to continue with their services after expressing how this was just a waste of everyones time. I requested for my money to be refunded she informed me that my money would be refunded in the next 7 to 10 business days. Well 16 business days have pass and I have not received anything. 

I am not sure at this point if this would be considered fraud since at this point, I am not sure if this is a legit company or if this should be a Civil suit that is filed.
Consumer complaint received 2021-12-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I became a victim of identity theft couple of years ago. After that incident I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS AND INQUIRIES from my credit report immediately. They are a result of ID theft. Beside these items, I also want to delete incorrect names and addresses also. I never used these names and never lived in these addresses. Please remove these items which are not authorized by me as soon as possible.
Consumer complaint received 2023-04-05
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

I disputed some inaccuracies and unclear items on my credit report in a letter, and more than 60 days later, I haven't heard back. I feel victimized and my complaints are being disregarded. I expect the immediate deletion of these accounts. I won't wait another 50 days.
Consumer complaint received 2023-02-25
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: DISCOVER BANK (NM)

Discover Card issue. XX/XX/XXXX : {$77.00} charge at XXXX XXXX disputed as possible fraud. Charge removed by Discover. Subsequent, undisputed charges at XXXX XXXX rejected by Discover. I contacted Discover and confirmed the purchases. Ask them to pay the {$77.00} charge, too, just to clear the issue. XX/XX/XXXX : XXXX XXXX charges totaling {$8700.00} appear on my Discover statement. XX/XX/XXXX : XXXX XXXX rejects an on-line purchase, not charged to Discover, claiming that Discover never paid them for over {$5000.00} of the charges that appeared on my XX/XX/XXXX statement. I have paid Discover in full. I contacted Discover in XXXX and XXXX of XXXX, spending hours on the phone requesting evidence that they paid XXXX XXXX, so I could present that to XXXX XXXX. On both occasions, I was told that documentation would be mailed to me. I have not received it.
Consumer complaint received 2023-10-05
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: EQUIFAX, INC. (FL)

ALL HARD INQUIRIES 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX