davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-06
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: U.S. BANCORP (TN)

My husband purchased a {$300.00} XXXX gift card for me as a gift from XXXXXXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX, XXXX, TN ) on XX/XX/XXXX and received an Activation Status Receipt with an authorization approval along with the gift card. The gift card packaging was unopened and intact. I attempted to activate the gift card online at prepaidgiftbalance.com on XX/XX/XXXX and received an error message ( Prepaid Gift Balance is a part of US Bank Gift Card which is a part of FSV Payment Systems ). I called the XXXX # on the card and was routed to a Customer Service Rep. I was informed the gift card had been deactivated because there was attempted activity on the card in XX/XX/XXXX and it was sold and loaded with funds in XX/XX/XXXX. This indicated fraudulent activity to them and thus the deactivation. I was told they would look into my issue but contact the store where it was purchased since the problem happened there. I faxed the requested info to prepaidfigtbalance.com to start the " investigation '' and followed up a day later to verify they received the fax. They told me it would take 5 days to verify they received my fax. If they didn't receive it to fax it again and wait another 5 days for verification. They don't have an email to send documentation. They will not let you talk to a supervisor or escalate the issue. 

I contacted XXXX Customer Support on XX/XX/XXXX and they were unwilling to assist me. I went to the local XXXX store where the card was purchased on XX/XX/XXXX and was told by the Store Manager they are unable to assist me and have no responsibility whatsoever. I asked for their assistance in resolving this with Prepaidgiftbalance.com and they refused. However, this is not an isolated incident at this particular store. The clerk working Customer Service at the store said that a customer had come in the previous day with the same issue. Yet XXXX continues to sell these fraudulent cards even though they are aware there are issues.
Consumer complaint received 2024-03-22
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

On XX/XX/2024 I got a forensic audit done by way of XXXX XXXX. In the report it shows Capital One, securitizing my application in their trust account. Then after it was securitized they began to trade it and make money off my account without my consent. This is a violation of the SEC.
Consumer complaint received 2023-01-03
Product: Credit card or prepaid card — Store credit 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: Bread Financial Holdings, Inc. (NC)

on XX/XX/22 I asked bank to remove {$6.00} fees on my card that were being charged monthly without any purchases. I refused to pay the fees, the fees continued to grow and then they assessed late charges. I asked them to close the account but they only decreased the credit limit and the card remained open accruing more fee payments.
Consumer complaint received 2023-03-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

Capital One has falsely navigated and put together a claim that I have an account established with them. Ive attached a copy of the initial police report and fraud report to the police department in my region. Lets see what excuse they have after this.
Consumer complaint received 2023-01-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MA)

This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2020-01-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: WELLS FARGO & COMPANY (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. More confirmation of the aforesaid item too. My proper request must over, 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 2023-02-18
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Early Warning Services, LLC (CA)

Hello, I am here to explain to you guys the crazy week ive had. On XX/XX/23 I paid an email given to me by a small local contractor business for property management through zelle. The email given to me was misspelled and I sent XXXX different payments to this misspelled because I did not know it was misspelled. XXXX payment being {$3500.00} on XX/XX/23 and the other being {$1000.00} on XX/XX/23 through Zelle. I bank with XXXX XXXX XXXXXXXX and have contacted this issue and was told to contact Zelle but Zelle said nothing can be done. The small local contractor business was never paid and told me they had misspelled the email and had apologized to me. I have worked with this company before and they are very apologetic for what happened with their error. I am here because under Regulation E I am entitled to my rights as a consumer. The money in total of {$4500.00} was sent to the wrong email which is XXXX which was not the correct email it was supposed to be sent to. I wanted a charge back or some sort of reach out to that bank to have my money returned to me so I can send it to the correct person which is XXXX ( XXXX ) XXXX. I have contacted XXXX and have not received an answer back and I believe they are keeping the money, and are most likely spending it illegally without my consent. I did not authorize that person to receive my funds, it was intended to a whole other purpose but a small mistake of a misspelled email is why I am here. Please I need your assistance in receiving my funds back in order to pay the company I intended to pay. I have evidence below of bank statements and Zelle confirmation numbers to help you investigate my case. I have also requested the money from incorrect Zelle that I sent it too, but I have been left ghosted for my request of money I had sent. Hope to hear from you guys soon as possible, I really need my funds back, especially the person who received my funds had no obligation to receive or spend my money.
Consumer complaint received 2023-02-09
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (NJ)

Well Fargo was my mortgage company for a few years back XXXX - XXXX Wells Fargo sold to another bank - I believe XXXX Mortgage. 

I was told by my XXXX Lawyer told that I have a second mortgage from Wells Fargo which I was not aware of ..... I just filed bankruptcy XXXX. 


I still have my tax documents from Wells Fargo XXXX. 

Don't know how it showed up, but it did. I know I did not put out a second mortgage especially for nothing, no cash advance or home improvement was made. 

Can someone please help me. 

XXXX XXXX
Consumer complaint received 2023-07-25
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. (NV)

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Balance : - XXXX XXXX Balance : {$420.00} XXXX XXXX Balance : - XXXX XXXX Balance : {$1400.00} XXXX XXXX XXXX XXXX Balance : {$1400.00} XXXX XXXX XXXX XXXX Balance : {$1900.00} XXXX XXXX XXXX XXXX Balance : {$3300.00} XXXX VERIFY Inquired on XX/XX/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 Balance : {$420.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1400.00} XXXX XXXX XXXX XXXX Balance XXXX {$1600.00} XXXX XXXX XXXX XXXX Balance : {$3300.00} XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX Balance XXXX {$440.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX : {$1400.00} XXXX XXXX Balance : {$1600.00} XXXX XXXX XXXX Balance : {$1400.00} XXXX XXXX XXXX Balance : {$1900.00} XXXX XXXX XXXX XXXX : {$3300.00XXXX XXXX XXXX XXXX XXXX Balance : {$120.00} XXXX XXXX XXXX Balance : {$300.00} XXXX XXXX XXXX Balance : {$300.00} XXXX XXXX Balance : {$290.00} XXXX Inquired on XXXX XXXX, XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX
Consumer complaint received 2020-06-08
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (VA)

In early XX/XX/2020, I was contacted by a lender asking me if I was interested in refinancing my mortgage. They offered me an interest rate of 3 % with approximately $ XXXX in closing costs to be paid by me. I then reached out to my current mortgage holder ( Carrington ) and told  them about this. They told me that they would be able to offer me an interest rate of 3.25 % with XXXX closing costs to be paid by me. I decided to go with this option. On XX/XX/2020, I sent them all the required paperwork in order to lock the rate in. I communicated with them over the next couple months, sending them whatever documentation they needed. Then, on XX/XX/2020, I was sent an email from Carrington which stated : It turns out we had to deny the loan out. Fannie Mae and XXXX XXXX have ceased allowing rate lock extensions on Conventional loans due to the effects COVID-19 has had on the market. Unfortunately with how backed up processing has been, we were not able to meet the rate lock deadline. The rate lock then expired, therefor we lost the interest rate we had locked in place for you. I apologize for this, as it was not my anticipation when we had started this for you. I would say we could start over, but again, the market is not where it was when we started, and we would not be able to achieve the same rate without charging you a boatload of points. When things die down, and this whole thing is over you will be the first person I call to get this going for you again. Let me know if you have any questions. 

My complaint here centers around the fact that they talked me out of a deal with the other lender, and then backed out after over two months of waiting.
Consumer complaint received 2023-01-22
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. (OK)

IAM requesting XXXX, XXXX, and TransUnion, to BLOCK and DELETE, IMMEDIATELY, all accounts, addresses, employers, inquiries, names, listed on my Police Report, below, Effective this Wednesday, the XXXX of XX/XX/XXXX, at XXXX est, as a result of being a victim of Identity Theft, by losing my Birth Certificate, Drivers License, and Social Security Card , at XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX. LITIGATION - I have not been supplied proof per doctrine of estoppel by silence. Engelhardt V. Gravens ( mo ) 281 SW 715, 719. I presume no evidence of the Alleged Debt therefore exist. Peace Family TransUnion : Also Known As : XXXX, XXXXXXXX XXXX  Addresses : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Employers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Name : XXXX XXXX XXXX XXXX XXXX Addresses : XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX Employers : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Accounts 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 Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Name : XXXX XXXX XXXX Addresses : XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Accounts : XXXX XXXX : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inquiries : XXXX XX/XX/XXXX
Consumer complaint received 2020-06-08
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (AZ)

On XX/XX/2020 I sent out debt validation letter for alleged debt. 
Letter was received on XX/XX/2020 @ XXXX XXXX I received a letter back on XX/XX/2020 The letter I received does not include all of the ( ten ) items I asked for. 

In my letter, I state " Please keep in mind, Your claim can not and WILL NOT be considered if any portion of the above is not completed and returned with copies of all requested documents. ( 10 items ) ''
Consumer complaint received 2023-07-25
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. (FL)

This is my OTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX Balance Owed : {$1000.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$660.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$460.00}.
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

PER XXXX THEY MEET THE FCRA REQUIREMENT. AS A CONSUMER I DISAGREE BC I DID SUBMIT A LETTER REVOKING ALL AUTHORIZATION PER 15 USC 6802. THEY ARE NOW IN VIOLATION OF THE FEDERAL LAW. 

FURTHERMORE ALL CREDIT BERAUS ARE IN VIOLATION OF THE PRIVACY ACT OF 1974.
Consumer complaint received 2020-08-04
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC (CA)

On XX/XX/XXXX I filed a complaint with cfpb ( see attached ). The company called me and said they would fix everything and pay the fines. In the mean time someone else from Loan Depot contacted me about a new refi to reduce my interest rate. I said ok and told them that another individual ( XXXX XXXX ) was working on the problem from the last refi. They said they would check into it. I then went through the process and told them multiple times that the XXXX lease had to be dealt with and gave them the contact info for their escrow company. We then got to XX/XX/XXXX and they said they were ready to fund I asked them where they were with the XXXX lease and they said they would get back to me. a few days later they called and said their escrow company doesn't know how to do that and I would have to get my own escrow company. So I did and they went through the process and I finally got my loan refinanced correctly and legally. However, Loan depot never did pay the fines which are {$1200.00} ( see attached ). And XXXX never answered the many calls and just disappeared.
Consumer complaint received 2020-04-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: HSBC NORTH AMERICA HOLDINGS INC. (AZ)

my XXXX year old used my credit cards without my knowledge or authorization. Spent alot of money. I disputed with HSBC and they sent me a letter back stating they would not credit my account for the charges.
Consumer complaint received 2020-04-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

My complaint is against Transunion Credit, I noticed on XX/XX/2020 my credit score drop 14 pts. between XX/XX/2020 -XX/XX/2020 and Transunion Credit can not explain to me why. Between XX/XX/2020 - XX/XX/2020 I had no missed or late payments during that period, also I had an decreased in payments. My XXXX XXXX XXXX  decreased by {$84.00}, XXXX XXXX XXXX  decreased by {$9.00}, XXXX  XXXX XXXX decreased by {$69.00}, XXXX XXXX decreased by {$520.00}, which put us at an total of {$690.00} paid between XX/XX/2020 - XX/XX/2020, if anything my credit score should have increase. If Transunion Credit doesn't correct this issue, I will file a civil suit against Transunion Credit, this mistake has cause me home loan, and put me in deep XXXX.
Consumer complaint received 2020-04-16
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: PROVIDENT FUNDING ASSOCIATES (WA)

After the state of Washington went into lockdown due to Covid19 in early XXXX, my business had a dramatic drop-off in revenues. I contacted our mortgage provider Provident Funding ( ProvidentFunding.com ) and asked for a 6 month forbearance with interest and principal payments added to the back end of the loan. They agreed to do so given the extraordinary times we are in. I thought we had everything settled. 

Today, I received an email from Provident Funding that said all of the payments for the 6 month forbearance period would suddenly come due at the end of the 6 months. I have tried reaching them but they are not responding. This is totally unacceptable and appears to be predatory actions during a time of financial crisis. I will also be contacting my political representatives at the state and federal level to discuss what can be done.
Consumer complaint received 2020-04-16
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. (CO)

Transunion is reporting incorrectly that I am ( 60 ) days past due on the State of Colorado XXXX XXXX. I started a new job on XXXX and the child support payments had been coming out of my paychecks. When I saw that XXXX and XXXX payments were not being applied I contacted the department and was directed to pay directly through XXXX. Starting in XXXX the payments began to be directly taken out of my pay checks again. I have attached copies of my paystubs and payment ledger which clearly shows that I had not missed any payments. This account is current. This false reporting of lates is seriously harming my credit score and Transunion needs to update this information and delete the lates being reported. I have tried to contact Transunion to remove these however, I have not been successful.
Consumer complaint received 2020-04-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (CO)

I received the American Express Platinum credit card on XXXX XX/XX/XXXX. I had the intent to use this card under the assumption that the {$550.00} annual fee for this card would be waived under the Military Lending Act, as I have been on XXXX XXXX military for the last 2.5 years. Every member of my unit who applied for this card had the annual fee waived within a week or two ( I can provide references for that if needed ), and so I went forward and eventually received the card. Around the time the annual fee was charged, roughly XXXX XX/XX/XXXX, I made an inquiry over the phone with American Express to apply for military benefits to have this fee waived. I thought this was strange because when applying for the card, the application asks for your source of income, and I had chosen the military option, provided a street address on the military base I am on, etc. The inquiry came back nearly a month later to tell me that I am ineligible for AMEXs SCRA ( Service Civil Relief Act ) benefits. I submitted another inquiry to make sure that wasnt a mistake. The next inquiry came back with the same results, roughly another month later ( each inquiry was made over the phone, while I tried to explain to each rep. that I was in the military and just wanted to see if I could be credited back the annual fee ). After the 2nd inquiry came back, I spoke on the phone with a specialist from AMEX who allowed me to reopen that inquiry and submit supporting documents, such as my XXXX XXXX orders from my military duty station, which shows my swearing in date ( date I began XXXX XXXX service ) as XXXX XX/XX/XXXX. When that inquiry also came back as denied on XXXX XXXX, I spoke to another specialist, who then told me that their annual fee on the Platinum card is done through the Military Lending Act and in XXXX is determined upon applying for the card. The specialist resubmitted a new dispute inquiry with a comment emphasizing that I was seeking a benefit under the Military Lending Act, rather than the SCRA. This morning, the inquiry was denied again. I have spoken to at least 8 different representatives from American Express to explain this situation and 0 have been able to help. I had to pay this annual fee in order to avoid any late fees. The only reason I applied for this credit card is because of its wonderful benefits and that military members do not pay the annual fee. I am in the military. I make a guaranteed income, but this was a fairly large amount of money for me, and I feel as if there is no one else that can help. American Express customer service has been useless. Please help.