davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-12-18
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Fidelity National Information Services, Inc. (FNIS) (TN)

I am on a now closed joint checking account with my XXXX year old mother. Neither myself or my mother have any business dealings or accounts and have not authorized any ACH debits with XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, or Fidelity National Information Services , Inc. dba XXXX dba XXXX. 
On XX/XX/2019 an unknown person used Fidelity National Information Services XXXX XXXX dba XXXX dba XXXX service of processing ACH payments and made an unauthorized {$4500.00} debit to the checking account. Fidelity National Information Services , Inc. dba XXXX XXXX XXXX used their prior name XXXX XXXX XXXX XXXX  ACH clearing account that is linked to the original predecessor bank XXXX XXXX XXXX  XXXX to withdraw the funds from XXXX XXXX XXXX, XXXX. 
In response to a prior complaint to CFPB the XXXX XXXX XXXX, XXXX  verified that the originator of the unauthorized debit was XXXX XXXX XXXX XXXX and it is public record with the Secretary of the Commonwealth of Massachusetts that XXXX XXXX XXXX is the new name of XXXX XXXX XXXX XXXX. All supporting records are attached. 
XXXX XXXX XXXX, XXXX stated the following in an email, The name of the company who originated the transaction is XXXX XXXX XXXX XXXX. Their address is XXXX XXXX XXXX XXXX MA XXXX. Their phone number is XXXX. In a subsequent email they stated, The originating company ID is XXXX. 
This layering of ACH debit transactions and willful use of obsolete names shields the natural person criminal from detection. Without being able to identify XXXX XXXX I can not make an accurate police report. Furthermore, I have learned that in ACH fraud crimes where a layer of subpoenas is needed to identify the natural person criminal suspect they are often skipped over by law enforcement in favor of easier to prove cases and may never be prosecuted. 
Fidelity National Information Services , Inc. dba XXXX dba XXXX XXXX XXXX can identify the natural person criminal suspect with this information : 1. The transaction information : XX/XX/2019, XXXX XXXX, - {$4500.00}. 
2. The XXXX XXXX XXXX, XXXX account number of XXXX.
Consumer complaint received 2023-01-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (FL)

In the middle of the first semester of 2022 I was the victim of fraud, money was withdrawn from my account through an ATM that was not from Wells Fargo, I made the claim and mentioned that they can verify all my transactions and I never use an ATM that It is not from that bank, they immediately reported the card to me as cloned and I specified that at all times the original card was always with me, a week later the bank claimed that it was my fault and that it was due to an oversight. no one else responded for that, now I read in the news about thousands of people who have been victims even of fees that do not correspond and can make this complaint, I do not intend to take advantage of any situation, I just believe that I am doing the right thing, I dedicate myself to selling hot dogs and it really is hard earned money
Consumer complaint received 2019-12-18
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (CA)

Applied for a VA refinance with a broker named XXXX XXXX with XXXX XXXX.

He send me a CD indicating an {$4300.00} Pricipal reduction to Client P.O.C lender.

Rate on mortgage 2.99 % Date XX/XX/2019 I agreed on the terms, told him that I was going to be out of the country starting XX/XX/XXXX-till XX/XX/2019.

He stated no problem, I would be signing the documents on XX/XX/2019.

On XX/XX/2019 I received another CD, stating that my interest rate has changed from 2.99 % to 2.875 %, and my principal reduction is reduced to {$2300.00}.

I called XXXX XXXX and asked for an explanation, he stated that it was beyond his control and that Quicken loans made him do it, and he tried to argue with quicken and their manager, to no avail.

I called Quicken loans call center, and was told that they really could not discuss it with me, I should contact XXXX XXXX.

However, the person I spoke with stated it could be that my broker did not how to do it, and or I could have changes in my credit, or something else.

For the record nothing changed in my excellent credit, and or anything else in my status pertaining to the loan.

So on XX/XX/XXXX I signed the loan papers, feeling rushed, and pressured, and under duress by having to make this decision prior to the Sunday when I was leaving.

I just feel that this, in my opinion, is a switch and bait tactic and should not be allowed to happen.

I'm a XXXX XXXX XXXX Veteran suffering from XXXX  among other ailments and have a hard time figuring out how to combat this, so maybe you could help me out?
Consumer complaint received 2022-05-27
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Remitly, Inc. (NJ)

Caller falsely identified as supervisor of my XXXX  XXXX and requested money to be sent. Payment was to be made for a shipment that seemingly needed to be urgently delivered. {$500.00} was sent through Remitly App at the assurance that it would be sent back with company.
Consumer complaint received 2022-05-27
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. (OR)

On XX/XX/XXXX an erroneous collection was added to my credit report and my score dropped XXXX points across all bureaus. I contacted the original creditor and collection agency and the account was successfully deleted from my report- however my credit score was never corrected to compensate for the XXXX point drop. 
My score before the item was added was : XXXX XXXX XXXX XXXX XXXX Experian The item was successfully removed yet my score at this time is : XXXX XXXX XXXX XXXX XXXX Experian Please correct my credit score.

The account that was added in error was successfully removed however the impact to my credit score has not been corrected. At this time the credit score on my accounts is in violation of the FCRA as it reflects what my score dropped to and has not been updated to reflect my score prior to the erroneous account.
Consumer complaint received 2019-12-18
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. (NY)

AFTER CAREFUL REVIEW OF MY CREDIT REPORT I HAVE IDENTIFIED INACCURATELY PLACED ACCOUNTS ON MY CREDIT REPORT. THOSE ACCOUNTS ARE NOT LIABLE TO MY NAME AND I WOULD LIKE FOR YOU TO CONDUCT A REINVESTIGATION INTO THIS MATTER. PLEASE HAVE THOSE ACCOUNT REMOVE OFF MY FILE FOR THEY HAVE CAUSED SERIOUS DAMAGE. PLEASE KEEP IN MIND THAT THOSE ACCOUNTS DOES NOT BELONG TO ME.
Consumer complaint received 2021-12-14
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. (FL)

My name is XXXX XXXX and I am filing this report on my behalf. I have attached my ID Documents and I am putting my SSN Information. This complaint is for false reporting of misleading information. This is me do not say you don't recognize me.
Consumer complaint received 2023-01-22
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CREDIT ACCEPTANCE CORPORATION (WI)

I purchased a XXXX XXXX XXXX from a used dealer and the price on the car window said XXXX, I paid XXXX to hold it and would come back with the rest of my XXXX down payment. The truck had XXXX miles. When I went back the price doubled and now the loan was for XXXX, but I needed a car very bad so I purchased. Right away the truck started giving me problems it kept cutting off I took it back and they were booked for maintenance. This happed in XXXX. Because the car kept cutting off while driving I started changing the battery and alternator nothing worked. I started to be late for work and eventually was fired when the truck left me stranded on the side of XXXX XXXX on my way to work. I called Credit Acceptance Corp explained what happened and was asked to do a voluntary repossession and what ever they sold the truck for I would end up not having to pay anything else on it. I got behind due to Loss wages from the truck cutting off. Now fast forward Credit acceptance has been garnishing my work checks I get government assistance so I'm exempt in Wisconsin from garnishment but they have been aggressive since XXXX and are currently garnishing me now we go back to court in XXXX. I also later found out there was a defect recall on the model XXXX I had and that's why it kept cutting off so I was sold a recalled lemon. I really need help with all the wages I have lost I'm currently facing eviction cause my checks are so short from their garnishment.
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MI)

I am writing to dispute items on my credit report that I believe are inaccurate and incomplete. As per the guidelines outlined in the Metro2 Format, I am requesting a thorough investigation into the following items on my credit report. Equifax continues to report account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I am asserting my rights under the Fair Credit Reporting Act ( FCRA ) to ensure that my credit report is accurate, fair, and substantiated. It is imperative that the information contained in my credit report adheres to the Metro2 standards, which mandate accuracy and completeness.

According to Metro2 guidelines, I expect the investigation to be completed within 30 days of receipt of this letter. Please inform me of any actions taken and provide an updated copy of my credit report reflecting the necessary corrections. 

This account needs to be deleted from my credit profile
Consumer complaint received 2020-06-08
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CREDIT ACCEPTANCE CORPORATION (GA)

On XX/XX/2020 my car was totaled out. On XX/XX/2020 the insurance company responsible paid {$8800.00} for the vehicle. The total amount due was {$12000.00}. They have also received payments of : {$570.00}, {$740.00}, {$2200.00}. All of this equals the total amount for the car but instead of them applying the money to the vehicle balance they applied it to the finance charges and saying I still owe money on the vehicle. I have been calling 2 to 3 times a week about my account ever since XX/XX/2020. They refuse to let me speak with a supervisor. I also have requested a payment history so I could view how they have been applying the payments and they refuse to send it me. They also then tell me I have until XXXX XXXX to pay off the remaining balance, or I will be responsible for paying the finance charges which is at least {$9000.00}. Also they are adding money on to the balance every week. From last week I went from owing {$1000.00} to now owing {$1200.00}. When I asked what the extra charges are for, I was told finance charges.
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: WELLS FARGO & COMPANY (GA)

I am reaching out to due to a form of identity theft. 
This account is not mine. As a consumer, I am aware that if I didnt give permissible purpose for WELLS FARGO BANK to report this account & it was done without my consent & is a form of identity theft per the law. If you fail to delete this account, I will have to proceed to taking further action. 
This account is not mine & needs to be deleted. 

Account WELLS FARGO BANK - XXXX  Last 4 digit SSN : XXXX
Consumer complaint received 2022-12-18
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. (SC)

XXXX, XXXX and Experian all should be reporting the same information for account statuses and amounts. They are not. There are major differences in my report. Experian is reporting delinquency on XXXX XXXX, XXXX XXXX, XXXX XXXX but XXXX and XXXX XXXX show either account on those reports. I want these DELINQUENT ACCOUNTS REMOVED FROM MY CREDIT REPORT.
Consumer complaint received 2019-12-18
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC. (FL)

I explored refinancing an existing PennyMac loan at 3.75 to  a new PennyMac loan at 3.25. I explained that I did not see the advantage given that the closing costs would add principal to the new loan. I was told that a streamline with PennyMac would limit the closing costs and prepays to roughly XXXX because the Escrow would migrate from the old loan to the new loan. Upon review ( loan closed in XXXX ), it seems they took my old escrow and used it to reduce the principal so that the new loan appeared lower than it would have been. I immediately inquired the back in early XXXX and was told that PennyMac paid my taxes with the old escrow at closing. That did not happen. My new loan, which only had a minimal 1000.00 +/- escrow paid the taxes of XXXX and now I have a negative escrow balance of over XXXX. I contacted my mortgage officers who do not return contact. I called PennyMac today and the customer support representative sent messages to the mortgage officer team. So, in short, rather than PennyMac " eating '' the additional closing costs and prepays ( as I was told ), they used my old escrow to decrease the payoff of the new loan, did not transfer to me ( or to the new loan ) the amount of the old escrow account, and now I will be paying much more for my mortgage ( because I will have to catch up on the negative escrow ) than would have been the case had I kept the original mortgage. XXXX : They said one thing, and did another. Escrow did not migrate to new loan, and now my new loan will be much more expensive. They did NOT inform me that they would use the escrow for a principle reduction, but stated ( I quote ) " PennyMac '' will " eat '' the closing costs because it was a streamline deal for which I qualified. They simply used my escrow. Now I will have an additional XXXX to make up unless I want a major change after mortgage analysis. The old payment was about XXXX. The new payment was to be XXXX. If you factor in the extra XXXX/month to catch up the escrow, it is more like XXXX. Rough estimates. I was given objectively false information about this loan and would have kept the old loan if I had know about this outcome.
Consumer complaint received 2021-12-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE (CA)

XX/XX/2021 To Whom It May Concern : I submitted a claim against a company that XXXX  me XXXX and XXXX my XXXX and the images sent were horrific. I expected my card company to stand by me and not allow fraudulent companies to profit and most certainly not profit during a pandemic while acting in bad service. 

I filed a dispute against XXXX for XXXX and XXXX my XXXX horrifically and not doing the procedure accurately for XXXX XXXX. I was not contacted for a follow-up or picture request. I've had to spend {$2000.00} fixing my XXXX  using my Barclaycard and XXXX XXXX. with XXXX XXXX. Is Barclay here to support the cardholder or bad companies who break customer choice and did not do a professional job and did not take any steps to rectify their mistake on my XXXX. I have called Barclay and sent a letter to disputes. The letter I received in the mail stated the cancellation agreement was broken and that was a LIE. I am disappointed and disgusted by Barclay 's handling of this. I have during the pandemic worked my XXXX off cleaning houses and making sure I keep my payments up to date and on time in large payments. I request via mail as well as the online message that this case be re-opened and re-addressed. The fee of {$240.00} be removed by my card company WILL NOT pay that company a dime. I went in person with a XXXX  and XXXX XXXX from their chemical mixture and the trauma I experienced is horrific and as bad as slavery if I am forced to pay this. I WILL NOT PAY THAT {$240.00} amount against that company and Barclay should be fighting for me. There was no missed appointment and they lied! I had hoped and still do that you will support me and uplift me as XXXX women all too often do not receive support nor do companies who purposefully abuse any customer get away with it. Please do not allow me to foot the bill for someone who did not safely administer nor did they when I came back in person give any options to remedy their bad actions. I had to go to another doctor with whom I have XXXX more appointments and have him repair my XXXX. Please stand by me. 

Thank you, XXXX XXXX Card ending XXXX
Consumer complaint received 2023-01-22
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: PENTAGON FEDERAL CREDIT UNION (CA)

See complaint XXXX previously filed on XXXX ( PenFed Credit Union XXXX XXXX it was closed but not resolved. I have sent a followup letter to respond to PenFed 's letter claiming it is being resolved. They are resolving by lieing to us and harrassment. It needs to stop. PenFed has continually lied to us and now trying to bully us into paying for their mistake. The letter details how their version of what happen is not supported. They say a double reverse was made, one by the merchant and one by PenFed. To this day the merchant is calling us to check on us to see if we have any issues using their software which would disputer PenFeds claim that the merchant reversed their charge. PenFed outside credit department and inside billing department twice told us it was PenFed 's mistake and it would be reversed, they are liars and request the disputed amount be exsponged ; an apology, our account balance refunded, PenFed investigated for customer abuse and illegal activities.
Consumer complaint received 2022-05-27
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MD)

I sent in multiple letters on XX/XX/2022 addressing these situations and you ignored my letters. However, I need these laws applied to my report or I will take legal action. 
15 U.S code 1692 ( g ) validation of debt 15 U.S code 1692d harassment and abuse 15 U.S code 1692e False or misleading representations 15 U.S code 1692f-Unfair practices Under 15 U.S code 1692k civil liability
Consumer complaint received 2018-03-02
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: DISCOVER BANK (MN)

WELL I WAS NOTIFIED BY XXXX XXXX THAT MY CREDIT SCORE HAD WENT DOWN BECAUSE OF AN HARD INQUIRY WITH A CONSUMER WHO SUPPOSEDLY RAN MY CREDIT XX/XX/2018 AND THAT IN FACT WASN'T ME AND I HAVE NO KNOWLEDGE OF WHO DISCOVER BANK IS AND ALSO ON XX/XX/2018 XXXX RAN A SECOND CREDIT CHECK WHICH SHOULDN'T HAVE HAPPEN SINCE I ALREADY HAD BEEN APPROVED FOR A VEHICLE THROUGH THEM AND GOT A CAR. SO I NEED THOSE TO BE LOOKED INTO AS FRAUD AND REMOVED FROM MY CREDIT HISTORY AND PROBABLY A FREEZE ON MY ACCOUNT BECAUSE IT'S STARTING TO FEEL LIKE SOMEONE ELSE HAS MY INFORMATION WITHOUT MY KNOWLEDGE.
Consumer complaint received 2019-12-18
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (IL)

I opened both checking and saving accounts with citi bank on XX/XX/2019 at the XXXX, Illinois branch. At the time while I opened the account I was offered {$400.00} and three month high saving interest rate for {$25000.00} new money and {$250.00} for setting up direct deposit. The interest rate worked immediately. But the cash bonus never came until today which is 7 months later. 
During this process i called two times about this matter. The first call I was told instead of giving me the bonus after 3 months opened I need to keep the money for 3 months then wait for another 3 months to get the bonus. So that's why I called the second time in XX/XX/XXXX, this time they claimed it should be XXXX business days instead of 90 days and I will be receiving this bonus on XX/XX/2019. 
Today I chat with an agent again and now they claimed they don't see this offer with my newly opened account which definitely contradicts themselves. I didn't keep the offer given by the branch because I thought there should be trust between the bank and me. Apparently not in this case.
Consumer complaint received 2023-12-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (TX)

On XX/XX/2023, {$25000.00} were taken out of my account via Wire Transfer from my Wells Fargo account. I did not authorize this transfer, and I believe my online banking account was hacked. Within 30 minutes of the occurrence, I called Wells Fargo to try to stop or recall the transfer and gave them all the information they needed. I opened a case, but they said they would not be able to return my money even though I did not know who the recipient was and they stole my money.
Consumer complaint received 2023-01-22
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BMO Bank, N.A. (IL)

I am not liable for this debt with bmo Harris bank and don't have a contract with XXXX XXXX XXXX XXXX. XXXX XXXX XXXX They did not provide me with the original application like I asked. Acct # XXXX
Consumer complaint received 2019-12-18
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. (TN)

I'm in the process of getting a mortgage with XXXX XXXX. They could not get a credit report from Equifax. Equifax said my name was incorrect in their system which is not true. They said they fixed it and to have the bank call the business area. When they did they were told my address was incorrect. They still dont have a report. Also my XXXX XXXX score in the circle has remained at XXXX but the graph is XXXX which is correct. Also all my accounts are not showing. I have been asking this to be corrected since before XXXX.