davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-04-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (GA)

Dear Sir or Ma'am, I think this is what some note as a balloon loan ( Wells Fargo Home Mortgage over a certain $ amount ). No one at a XXXX law firm seems to want my business ... Has the statute of limitations run out? I have a Wells Fargo mortgage investor that claims their is no evidence for existence of this loan? ( XXXX XXXX XXXX of WF working on this fax # XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Ive also sent her phone contact to you via email ). Maybe if a nice phone call from your department could be left on her voicemail- a little fire might help them find the aforementioned mortgage policy/loan. They are claiming that they are not able to find anything bc the note was paid off. Hmmm? 

I called them the entire time we were moving to XXXX and they lied to me the entire time ( recorded phone calls/emails- that everything was fine ). They then had XXXX XXXX, our rental agent at XXXX, email us one day before the law offices sold the property. They then later claimed that they did not have to tell me anything since the mortgage was not in my name ( my wifes name was on the note ). My wife was VP and Head of HR, at XXXX XXXX XXXX ( XXXX  drug manufacturing facility XXXX XXXX, OH, and I was moving us and taking care of everything because her job was so intense during the relocation. XXXX was devastated and had a XXXX XXXX ( medically documented XXXX ) soon after this and had to quit her job- a reason not an excuse! This was the home we had planned to retire to! 

We have lost years of rental income ( 3 units heart of downtown XXXX ) from this and I would like to know a little about whom or what organization is profiting. 

I tried to do this the right ( nice ) way by working through consumer affairs and the XXXX  ... 
A little caveat- my mothers home mortgage is with WF. 

Here is the letter from the agent that was handling the rentals at the time. 

XXXX and XXXX, Attached is a file containing 5 pages as follows : Pages 1-2 :  Letter from the law firm representing Wells Fargo. 
Pages 3-4 : Copy of the notice that will be placed in XXXX XXXX XXXX. 
Page 5 : Letter from another law firm seeking your business on this matter. 

This is everything we've received regarding XXXX XXXX XXXX thus far. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | Fax XXXX XXXX XXXX, Team Leader | mobile XXXX XXXX XXXX, Sales | direct XXXX XXXX XXXX, Property Management | mobile XXXX XXXX XXXX, Administrative Assistant | direct XXXX Respectfully, XXXX XXXX XXXX
Consumer complaint received 2022-06-14
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. (WA)

In accordance with the Fair Credit Reporting act XXXX the following Accounts, has violated my rights. 

DPT ED/AIDV- Account # XXXX, XXXX, XXXX XXXX XXXX # XXXX XXXX Account # XXXX XXXX- Account # XXXX, XXXX XXXX Account # XXXX XXXX XXXX- Account # XXXX XXXX XXXXXXXX XXXX Account # XXXX XXXX XXXX- AccounXXXX XXXX XXXX  XXXX XXXX- Account XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX XXXX Account # XXXX 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 Also there are unauthorized Inquiries that are not made by me and need to be removed immediately according to FCRA Section 609 & 611. 

XXXX XXXX  XXXX Date Inquiry : XX/XX/XXXX - XXXX XXXX - Date Inquiry : XX/XX/XXXX - Equifax XXXX XXXXXXXX - Date XXXX : XX/XX/XXXX - XXXX XXXX XXXX Date Inquiry : XX/XX/XXXX XXXX XXXX XXXX - Date Inquiry : XX/XX/XXXX - Equifax XXXX - Date Inquiry : XX/XX/XXXX XXXX XXXX XXXX - Date Inquiry : XX/XX/XXXX - XXXX XXXXXXXX - Date Inquiry : XX/XX/XXXX - XXXX XXXX  - Date Inquiry : XX/XX/XXXX XXXX XXXX XXXX - XXXX Inquiry : XX/XX/XXXX - XXXX XXXX XXXX - Date Inquiry : XX/XX/XXXX - XXXX XXXX XXXX - Date Inquiry : XX/XX/XXXX - XXXX
Consumer complaint received 2019-08-29
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Fraud or scam — 
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

I deposited 2 checks for the payment of a sofa and a pair of boots. I deposited the first one on XX/XX/2019 for {$1900.00} and the second on XX/XX/2019 for {$1800.00}. I was sent extra money to pay " movers '' to come on behalf of the buyer to pick the items up. Once Capital One cleared the checks, I waited until the funds were fully available and they emailed me saying it was okay to rip the checks because they had gone through. I then proceeded to pay the movers and was called shortly after to inform me that they were fake. The bank then took the money away meaning that the XXXX payments I made using the money from the checks was replaced with MY OWN MONEY ALREADY EXISTING IN MY ACCOUNT. I proceeded to put 2 claims on both XXXX transfers as I would not have touched the money from the checks, had the bank not failed to clear them. I was told numerous times by Capital One representatives on the phone that the first XXXX transfer had already gone through but that the second one was pending still and that the money had not reached the recipient. I now know that both recipients were fraudulent and given that my own personal money replaced the checks funds in the XXXX transfer, I am entitled to getting my money back. Numerous bank representatives told me on the phone and in person in the XXXX XXXX branch that since I had my own money in the account, I was entitled to get it back as what I am arguing is that the bank wrongly cleared checks and told me to proceed to use the funds and then refused to help me get my own money back once they reversed their checks and sent my own money in the XXXX transfers. I did not authorize my own money to be sent, I authorized the check 's funds to be sent which the bank cleared and SHOULD NOT HAVE. Please help me get my money back. The conversations with the bank are all recorded and all the evidence of their wrong doing is there. I was already told in a previous complaint that they were trying to get the money from one complaint back and after they kicked me out of the bank, froze my account and left me penniless for almost 3 months, they have failed to help me get out of a problem that they got me in the first place.
Consumer complaint received 2018-12-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (VA)

On XX/XX/2013, I filed for Bankruptcy Chapter XXXX to avoid foreclosure on my home. I had fallen behind on my mortgage payments due to a serious illness which had prevented me from working. I have been making monthly payments to my mortgage company for the last 5 years as well as monthly payments to the court appointed trustee, and according to my records, I have completed all payments to the trustee. As my bankruptcy attorney was completing " Final Cure Payment '' paperwork, my mortgage company claims that my postpetition payments are not current and I owe them an amount of {$10000.00}. I feel that my rights are being violated in accordance with the bankruptcy laws. I feel my mortgage company is in error. I have " Mortgage Account Statements '' from them that I have used to make my monthly payments to them on a timely basis. Their error causes a problem with my bankruptcy discharge and my home is in jeopardy.
Consumer complaint received 2018-04-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: DISCOVER BANK (CO)

I have been a discovery customer for 3 years and during that time, I have enjoyed my experience with discovery credit card immensely. I am writing to see if you would be willing to make a " goodwill '' adjustment to your reporting to the three credit agencies. I have three late payments on the above referenced accounts from XX/XX/XXXX to XX/XX/XXXX. Since that time I have been an exceptional customer paying early every month because of my exceptional payment history over the last 3 years, I would like you to consider removing the negative payment from my credit report. At the time of the late payment, I was going through some financial struggles. I recently had a baby and not to long before that I had an accident at work leaving me with medical bills that I personally had to pay due to some misunderstanding between my employers insurance. At only XXXX  years of age I am only human, I am bound to make mistakes especially when it comes to finances and credit. I say that not to justify why my payments were late, but rather to show that the late payments is not a good indicator of my actual credit worthiness. I hope that you guys are willing to work with me on erasing these marks from my credit reports.I have been a very happy customer in the past and hope to continue a long relationship with my discovery credit card. With today 's credit industry so competitive, I know how important it is to maintain good relationships with customers. Discovery has been exceptional in my book so far and I highly recommend it to all my friends and relatives. I hope that you will deeply consider my request and prove once again, why discovery is heads above the rest. I look forward to your reply. 
Sincerely, XXXX XXXX
Consumer complaint received 2019-03-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: WELLS FARGO & COMPANY (CA)

I have a cash card with Wells Fargo Financial. My problem is that the website only allows payments up to {$5000.00} per day. This restriction causes additional interest charges on the amount over {$5000.00} ( in my case at an interest rate of 24.9 % ). This is an unnecessary requirement and I would guess it is solely for the purpose of collecting additional interest.
Consumer complaint received 2019-10-07
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (CA)

On XX/XX/2019, i tried to make a transfer for the amount of {$600.00} into my XXXX XXXX account. Paypal says it went through.However, i never received any money into my bank account and now XXXX XXXX is telling me they never received it. It's been close to three weeks, and neither paypal or XXXX XXXX has been able to help, and they're telling me to check with the other, but all im getting is the run around.
Consumer complaint received 2022-10-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc. (PA)

I had an XXXX XXXX XXXX for years and used this card very often when planning and booking trips. In XXXX, XXXX, I booked a trip to South Carolina for travel in XXXX, XXXX, for my Husband and I through XXXX and charged my airline tickets on my XXXX XXXX. Shortly after the purchase, I received notice that the XXXX XXXX XXXX was going to be discontinued and that would mean my XXXX XXXX XXXX would be closed and a new XXXX XXXX would replace it and any balance on the XXXX XXXX would be transferred to the new XXXX XXXX. However, I had a XXXX balance so obviously no balance was transferred. We went on our trip in XXXX, XXXX. However, due to a cancellation of flights, XXXX XXXX refunded a portion of our airfare. When speaking to XXXX XXXX, they said they would only refund my money to the original form of payment which was my XXXX XXXX which, by then, was closed. My refund was completed on XX/XX/XXXX. A few weeks later, I called the number on the back of my new Comenity card to find out why the refund was not credited to my account. Through the months ( going on 4 months ), I've spoken to at least 8 customer service representatives and 4 or 5 supervisors ( some very rude ) but NO ONE could help. They all said they would put through a " dispute request '' when several were already. The supervisors I spoke to saw the charge I made in XXXX on my XXXX card but can't find the refund. On one call the representative asked if I could upload supporting documentation of the airline 's refund which I did while on the phone with her.

The amount of a refund of {$680.00} that is suppose to be credited to my new XXXX XXXX. 

If you would like to discuss this further or need additional information, you can reply to my email or contact me on my cell phone at ( XXXX ) XXXX. 

I look forward to hearing from you and a quick resolution in this matter. 

Sincerely, XXXX XXXX XXXX ( XXXX ) XXXX
Consumer complaint received 2018-12-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Continental Services Group, Inc. d/b/a ConServe (GA)

I have tried to resolve this issue. They claim I owe a debt from a student university account and I have never attended their institution. I have provided a police report to them as well as written notices yet this item is still on my credit report. They have been unable to produce documentation showing the debt is mine nor bearing my signature. I did not signup for nor receive any goods or services. They also have incorrect address information. They are negatively impacting my credit.
Consumer complaint received 2018-04-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY (FL)

In XX/XX/XXXX, I contacted American Express regarding my membership reward on an account that I have had with them since XX/XX/XXXX. I explained to the representative what I wanted to do with the membership rewards and he told me that my particular rewards program did not allow me to do what I was asking about which was transfer points to an affiliated partner. He at that point SOLD me on an additional credit card that American Express offers that I could do that with. I gave him the go ahead to open a secondary account with the understanding that I would be able to transfer the points to a rewards member. When I received the card, I called American Express to make that transfer and was informed that this new card did not allow what I specifically had asked for to do either. I spoke with a supervisor who was very apologetic and told me that American Express would listen to the recorded conversation as this is not their practice to open unnecessary accounts. She offered a {$200.00} statement credit, which I did receive, and led me to believe that American Express would be addressing the issue. She also discouraged me from closing the account. Two months have passed and I have not heard anything from American Express. I truly feel that I was fraudently led in to opening a secondary account under false pretense. 
I am not sure what if anything can be done but would appreciate some guidance.
Consumer complaint received 2018-12-11
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (FL)

I XXXX XXXX made three payments toward modification then Wells Fargo foreclosed in XXXX. Bankruptcy attorney XXXX XXXX saved the house. Account XXXX. The same occurred in XXXX. XXXX XXXX XXXX XXXX proved mortgage fraud. Now in XXXX they have already forclosed. They separated the note from the deed.
Consumer complaint received 2018-04-24
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Choice Recovery, Inc. (KY)

On XX/XX/16 my son had dental work performed by XXXX XXXX XXXX XXXX XXXX. We were told we owed a substantial amount of money prior to his procedure. So I withdrew the money from my 401K. Paid a large fee for early withdrawal, and paid taxes on the money we withdrew to pay XXXX for his services. This money was paid to them directly. Then during a follow up visit, I was told by the receptionist that we had a large credit on our account of {$1200.00} and would be getting a refund check due to us overpaying. I could only assume it was because we carry double dental coverage. We did receive the check a couple of weeks later and decided that since we had already paid the penalty fees and taxes for early withdrawal, then we would apply that money to other medical debts. Then we received a letter from XXXX stating they refunded in error and that they now wanted the money back. They had ample time to review this. I did not ask for money back, I never asked for a refund, they told me that we were due the refund because I overpaid them. We can not take another withdrawal from our 401K. We can not afford to pay more taxes and early withdrawal penalties either. This was their error, not mine therefore I should not be penalized for their terrible bookkeeping practices.
Consumer complaint received 2022-07-21
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. (GA)

To whom this may concern, I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that i wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that i am not 100 percent sure if they are. I also read something called " The Fair Credit Reporting Act '' where it said law, I had the right to challenge anything I am not sure is accurate. Some of the people reporting things on me. I have never heard of which made me write to you all. 

Are you familiar with something called 15 U.S.C. Sec. 1681i ( a )? I heard that if you cant provide proof, these accounts need to be deleted. Well, i want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back to me? I saw on a XXXX XXXX XXXX where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them I demand the following accounts be verified or removed immediately. 

NAME OF ACCOUNT XXXX XXXX XXXX ACCOUNT NUMBER XXXX NAME OF ACCOUNT XXXX ACCOUNT NUMBER XXXX NAME OF ACCOUNT XXXX XXXX ACCOUNT NUMBER XXXX In accordance with the fair Credit Report act XXXX  Account # 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 with my written instructions
Consumer complaint received 2023-09-10
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (NY)

On XXXX XXXX after my phone were stolen I lost acces to my email the one i had linked to my cahs app account. After getting in contact with cash app support to let them know my account was compromise by emails athrougth the support area of the app I couldnt have access back to my main account until this last XX/XX/XXXX. After getting back access to my account I noticed that was a money move to a XXXX XXXX XXXX account done on XXXX XXXX, XXXX for the amount of {$2100.00} XXXX place a dispute over this unautorize transaction many times since XX/XX/XXXX but the Support team gives me the same aswer " the transaction were done correctly and satisfactory '' I explain to them as the can see in the system that I didnt do that transaction that i need my money back but they doenst provide more information regards that transaction. Even they didnt honor as they say a credit balance untill the dispute is investigated leaving me with no money and no explanation about where my money is. 

I told them I have the emails exchange since the moment my account was compromise during almost XXXX years of my trying to get back acces to the account thay I didnt do that transaction. 


The emails exchange ant the print screan of the conversation with cash app suppor on the app can be submitted if need it and requested to validate that i didnt have acces to the account in XXXX years and the moment i notifiy them I couldnt get acces to the account on XXXX.
Consumer complaint received 2018-12-11
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: ID Analytics, Inc. (NC)

I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the XXXX XXXX Report and other furnished XXXX XXXX, XXXX XXXX, inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX XXXX. My Date of birth is XXXX. 
I have addresses on my report that do not belong to me and are not mine. They are inaccurate. Please remove delete that following addresses : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX NC, XXXX XXXX XXXX, XXXX NC, XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX   XXXX NC XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX
Consumer complaint received 2018-12-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In applying for a mortgage thru XXXX XXXX XXXX XXXX who uses XXXX XXXX XXXX since XXXX - XX/XX/2018 my credit report was pulled multiple times by the Broker and again pulled by XXXX for the same transaction causing hard inquiries on my credit files, which translated into negative information and fall in my overall scores. Between both entities they pulled my credit about eight ( 8 ) times. It could have been done differently to denote that it was ongoing transaction NOT separate and distinct.