davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-01-17
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CITIBANK, N.A. (CA)

I just pulled my credit report and found that Best Buy/CBNA is reporting that a joint account ( revolving credit card ) that i was the co-signer on is reporting as profit & loss with a balance of {$4700.00}. This came as a complete surprise to me as I have no debt other than a small personal credit card which i pay off monthly. I immediately called Best Buy/CBNA via the phone number listed on best buys website of XXXX and requested information about the amount owed and how i can remedy the situation and bring this to a XXXX balance. It took them around 30 minutes of hunting to even find the debt in question and they could not find it via any of my information and requested that i provide info on the primary borrowers info, at one point including his ss number, whom i co-signed for. I was able to give them his name and the last 4 of the account that shows on the credit report and finally they were able to find the account. Once they found the account they could then only tell me that they show a {$4700.00} balance but that they are not collecting on the debt and as such i could only make a voluntary payment and would need to mail a check to their PO BOX and that i should put the last 4 of my ss # on the check. I expressed that i was not comfortable with this solution and wanted the account number which they refused to give over the phone. I then requested that they send me a statement in the mail which they could not do because they were not collecting on the debt. The best option they would provide, and it took 30+ minutes to even get them to offer this, was to send me a letter stating they were not collecting on the debt. My issue is that the account was closed in XXXX and has had a growing balance for 4 years and at no time have i ever received any documentation, statement or other correspondence from the creditor to inform me that there was a problem ; much less an amount owed and delinquent. It seems completely unfair that they should be able to report to the credit bureaus trashing my otherwise perfect score and credit history that i am delinquent on an account and balance when they have not sent any correspondence to me seeking payment and then when i call to try to make payment I am told they can not take it.
Consumer complaint received 2019-01-17
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (FL)

Freedom Mortgage has applied my extra principal payment to escrow and has not corrected the issue in over 7 months. I made an extra principal payment of {$500.00} on XX/XX/XXXX which posted on XX/XX/XXXX as additional escrow payment. I contacted them ( representative name and I.D . number available ) around the XXXX  or XXXX  of XXXX   upon reviewing XXXX  statement, noting the above change. I was told that it would be corrected by XX/XX/XXXX. After reviewing the XXXX statement with no change, I contacted them again on XX/XX/XXXX ( representative name and I.D . number available ) and was told the issue would be corrected by XX/XX/XXXX. I again contacted Freedom Mortgage on or about XX/XX/XXXX requesting that the matter be resolved and to send me transaction history. The payment amount changed on my monthly statement for XX/XX/XXXX and there were no fewer than 16 transactions applying and reversing payments in regards to escrow, monthly principal and interest. The extra principal payment still has not been applied and the matter had not been resolved. I've called twice during XX/XX/XXXX and spoke with representatives trying to resolve this ongoing issue and patiently waited for results. Again, there are about twelve transactions applying and reversing payments without correcting the problem. Additionally, Freedom Mortgage has changed my monthly payment amount without notifying me and used funds applied to extra principal to pay changes in monthly interest without giving me notification. Concerning the loan, I have consistently made monthly {$500.00} extra principal payments since inception. By changing the monthly payment amounts during XX/XX/XXXXit has created a supposed shortage in the escrow account which in turn has changed my current monthly payment twice to a higher amount during XX/XX/XXXX.
Consumer complaint received 2023-09-04
Product: Credit 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: WELLS FARGO & COMPANY (TX)

My previous employer used my personal Wells Fargo credit card without my authorization and have disappeared and no longer communicating with me and turned out to be a fraudulent company ( I did not give them my credit card information ). My fraudulent employer have made charges to my credit card without my permission and withdrawn money from my credit card without my authorization/permission and Wells Fargo credit card is unwilling to give me credit for the charges that were done by my fraudulent employer without my authorization. My employer turned out to be fraudulent and have disappear since making those charges to my credit card and does not respond to any of my attempts to communicate with them. I have filed a police report but Wells Fargo is still holding me responsible for the debt even after explaining to them that this was done without my authorization or me ever given permission to transfer money from my card.
Consumer complaint received 2019-09-11
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (NV)

On Tuesday, XX/XX/2019 MCM aka Midland Credit Management called my Job to talk about money that I owe on a XXXX credit card in the amount totaling {$400.00} and for another account on XXXX in the amount totaling {$570.00} I kindly asked them to call my cell phone after XXXX and they insisted to keep me on the phone during my working hours as they have called my Job twice a day everyday for the past week. I told the male sales rep collector that I had already sent out a check for the amount of {$170.00}. Then the manager ( male ) got on the phone to tell me to stop the check and they will not except that payment. I told him I was willing to make payments and pay the total amounts. But he insisted that they would like to give me a discount of 40 % -50 % of what I owe and that I would need to have or give them a XXXX XXXX address for this agreement to work. So, I just heard the guy out in what he needed to say was only {$200.00} for XXXX and {$280.00} only for XXXX even though I insisted making second payment agreements in the future to setup and he said that would not work for this deal. I was under a lot of pressure while being on the clock and they said they were running a special deal offer and will end in XXXX. Also that the deal only worked if they had a XXXX  address to send the White Letter, Payment Agreement, and Receipt on paid in full. I told him I live in XXXX and havent live in XXXX for 13 years now. I really thought that was odd but like I said under pressure. They called from phone numbers XXXX and XXXX. Payment was sent for XXXX. That same week my account had an unauthorized transaction of money taken out and I filed a dispute with XXXX XXXX XXXX So, I didnt know that the payment didnt go through. I dont understand if Im looking to paying it off and I mean the total amounts then they should work with me and not lie about making deals and stopping checks because it was sold to them for pennies and just want to get rid of it.
Consumer complaint received 2018-08-29
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (CA)

When I make payments or deposit funds into my Paypal account they are placed on hold for 5 days. Without any justification, Paypal holds my funds for longer than the 5 day period. When I ask for my funds to be returned to me, they decline or refuse to return the funds. In addition, they also refuse to transfer the funds to the intended recipient. Paypal Customer service states that it is their policy to hold funds indefinitely, for any reason, without notifying consumer. I have a Business Account with Paypal that has never been implicated for fraud. I believe that this is an intentional practice by Paypal to increase the revenue they earn from Interest payments on funds held in reserves that they receive from consumers.
Consumer complaint received 2019-01-17
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CIT BANK, NATIONAL ASSOCIATION (PA)

I transferred funds from my XXXX Bank account to my CIT Bank account. The receipt shows that the funds were to have been transferred on XX/XX/XXXX : Confirmation : XXXX Transfer from : XXXX, XXXX Transfer to : MONEY MARKET ACCOUNT, XXXX Transfer on : XX/XX/XXXX On XXXX the funds were not in my CIT account so I sent a message through the web site asking why. They didn't answer, so on XX/XX/XXXX I sent them another message, asking them to respond to my message of XX/XX/XXXX. Then I logged into my XXXX account and saw that the funds had been removed, so I sent another message asking what happened. Then I called CIT Bank and spent an hour on hold ( yes really ) before they answered the phone and told me that the funds had been transferred. On XX/XX/XXXX they responded via the message center on their web site that the transfer had been completed on XX/XX/XXXX. On XX/XX/XXXX I saw the funds in my account but they were not available. I sent another message asking them, why it took 3 days for the transfer to be performed ( on XX/XX/XXXX rather than on XX/XX/XXXX per my receipt ), and why aren't the funds available now? They haven't responded. Today XX/XX/XXXX the funds are still not available.
Consumer complaint received 2022-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

Hello, RE : XXXX XXXX Alleged Date Opened : XX/XX/2013 Balance : XXXX Actions : Contacted XXXX XXXX  ( Issuers of card ), they have no record of this account. Filed a dispute with XXXX it was denied because I filed an earlier dispute with XXXX XXXX that apparently did not resolve the issue. XXXX denied me filing another dispute for this erroneous account. 
Issue : Needs to be removed from my credit report. No record of this account. 


XXXX
Consumer complaint received 2019-09-11
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: Experian Information Solutions Inc. (NV)

I am a fraud-victim of the XXXX and XXXX Data Breach. I have filed a fraud report with my local police dept. the Federal Trade Commission and now the Consumer Finance Protection Bureau. There has been loans, credit cards, medical services and other credit obtained under my name.I never had any use for credit as my late husband took care of all our financial needs and would never allow me to sign any debt-instrument whatsoever. 
1.XXXX  XXXX 2.XXXX XXXX XXXX 3. XXXX XXXX XXXX XXXX 5. XXXX XXXX 6. XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-09-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Receivables Performance Management, LLC (TX)

On XX/XX/2019 a collection was added to my credit report under the name of Receivables Performance. They claim this debt originated from XXXX which was canceled and all equipment returned. Not once have I received a verification of the debt from the company, the amount they paid for my debt, nor any reason for them to possess my identifying information. I informed them the debt was invalid and they did not have my permission to possess or distribute any information including my social security number, my birthday, or any information pertaining to my old XXXX account. I was told they would continue to distribute my information regardless of my request and they could not help me. 

I have received many phone calls during the day from this company. I twelve hour night shifts so I sleep during the day. They continue to call me during these hours after I informed them of my work schedule. They also have threatened me that they would take me to court if I did not pay the debt. According to debt collection laws a debt collector will not contact you during inconvenient times or threaten you with any negative or legal action if they have not filed in court already. 

I need this collection removed from my credit report and prevent any further disclosure of any of my identifying information to any other entity whatsoever.
Consumer complaint received 2022-08-17
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/XXXX I discovered that my rent check that I had mailed had been stolen and deposited by someone who was not my landlord. I still have no idea how this was able to happen. I immediately called Wells Fargo to submit a claim. A few days later I went in person to open a new account and close my old account. I was told after I opened the new account to make sure that no other deposits/transactions were made in the old account, and to then call Wells Fargo afterward to close it. I did that, but then fake checks began to be deposited from my account. The person who had stolen the initial check must have used my account and routing numbers to start creating fake checks to cash and deposit. This caused my account, which I was trying to close, to be over-drafted. I had to call and submit a claim and was told that a hold had been placed on my account. Despite this hold, and despite me asking to close the account, the account stayed active and fake checks continued to be deposited and cashed. 

I was then told different things about my account ; because there were still pending actions from the fake checks it couldn't be closed, that I would have to go in person and that a manager could remove the hold and then immediately close it, etc. Even in person, no one has been able to close the account for me and I've now been told that I have to wait the 7-10 business days it takes to close it. In the meantime, as has already been shown, this person will continue to deposit these fake checks, overdrafting my account. Another part of the problem is that I did receive credits for some of the stolen checks, but they placed them in my old account, thus opening it back up and allowing another fake check to be posted. When I went in person the first time to open the new account, I clearly should have already removed all of my money from the old account and had them close it immediately. I desperately wish I had just stayed at Wells Fargo until all changes were made so that they could close it for me on the spot. I was not advised to do that and instead, this process keeps being drawn out and my account still isn't closed. 

Another issue I have had is that Wells Fargo does not have appropriate emergency hours for customers on the XXXX XXXX. Unfortunately these fake checks have been deposited and cashed at night. Each time I've called they've made it clear that the fraud department is closed due to XXXX XXXX hours, and I have to call back during their business hours. Even though it is a national bank, XXXX XXXX are essentially penalized.
Consumer complaint received 2019-09-11
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: EQUIFAX, INC. (NV)

I am a fraud-victim of the XXXX and Equifax Data Breach. I have filed a fraud report with my local police dept. the Federal Trade Commission and now the Consumer Finance Protection Bureau. There has been loans, credit cards, medical services and other credit obtained under my name.I never had any use for credit as my late husband took care of all our financial needs and would never allow me to sign any debt-instrument whatsoever. 
1.XXXX  XXXX 2.XXXX XXXX XXXX 3. XXXX XXXX 4.XXXX XXXX 5. XXXX XXXX 6. XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2019-09-11
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC (LA)

Original account with XXXX. Was sold defective equipment ( 3 ) consecutive times. Account was sold to Jefferson Capital. In the past year, Ive attempted to settle this account ( 8 ) times. No emails or phone calls returned. The last two phone calls I stated on the recorded line that I wanted to settle this account and was hung up on. Ive attempted to settle but payment was rejected. I have filed ( 3 ) disputes with XXXX  with no assistance. I have no other option on getting this taken care of.
Consumer complaint received 2023-06-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Braviant Holdings, LLC (SC)

Please see the attached letter regarding the account that is not mine due to identity theft. I have filed all of the necessary forms including the FTC online form and affidavit. This is all equivalent to a police report as well. This is my second request to you to remove these fraudulent accounts from all three of the credit bureaus before I take legal action. Send the validation of these accounts as well with your response back to this complaint. I want the account name, account balance, past due amount, and date of last activity verified and provided to me as well.
Consumer complaint received 2019-09-11
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC (CA)

I XXXX XXXX XXXX would like to formally complain about my mortgage servicer XXXX. I submitted my complete application for mortgage assistance about 2 months. I keep following up and I speak to many people seems that no one knows whats going on. They've been give me the run around transferring me all over the place. Finally today, they told me theres no time to review and that I hand a sale date set for XX/XX/2019. As you can see, I've been bounced around given wrong information not just by rep but by managers. They admitted to handling wrong our case and that he was sorry but that my house will go for sale on XX/XX/2019. I explain that I have a family and that we are going to be in the street and my mother is very Ill to be move suddenly but he did not show any sympathy towards my situation. I stated to him that I do not want to lose my home that's all we have and that I will be thrown out with my family and no place to stay he he did not care I felt very discriminated at that point. I don't understand why they would ignore my application all this time and they waited to get close to a sale date to tell me they didn't review my application. I ask why is he treating us like that I don't deserve to be treated fair like everyone else its clear to me that you are discriminating me he disconnected the call and left me with words on my mouth. They are not even allowing me to appeal. All I'm asking is a fair review and for my sale date be postponed so they can get a chance to review my package and review my current situation with and to stop discriminating me. If this does not go anywhere I am going to seek legal advice to see if I can sue my mortgage company. I give permission to Consumer Financial protection Bureau to speak on my behalf and get to the bottom of this I am scare to call on my own mortgage servicer.Please, help me I do not want to be thrown out on the street with my family. Yours truly, XXXX XXXX XXXX
Consumer complaint received 2019-09-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (NY)

Trying to utilize Experian is a nightmare. I have tried to create an account, logon to their website, and tried to call their company. Every phone option leads you to be hung up on. This is intentional. I tried to reinstate my credit freeze online and it will not allow me to. Then I went and tried to create an account online so I could manage it. It wouldn't work. Then I tried to call the company to get access to my account. It is a vicious circle designed to frustrate consumers without providing any resolutions.
Consumer complaint received 2019-09-11
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

On XX/XX/2019 I opened online a checking account with Bank of America ( routing number is XXXX, and the account number is XXXX ). I did this so some one can easily pay me. On XX/XX/XXXX, I received an unusual letter ( see attached ) from them dated XX/XX/XXXX threatening to close my account on XX/XX/XXXX unless I provide them with my date of birth. The letter had an identification number of XXXX and a control number of XXXX. I called the number on the letter XXXX three times. The first time, the person I spoke with insisted that I answer what seemed like an exhaustive list of questions about my personal identify ( such as my address, last four of my social security number, my phone number and my date of birth ) that I had to answer to her satisfaction or my account would be closed. I provided this information to this person several times but she was not satisfied, so I asked to speak to a Supervisor. I eventually spoke to Supervisor XXXX  in the Know Your Customer center, and he unable to resolve this issue. The second time I called, I spoke to XXXX, provided him the information, he told me I was done and everything was OK. After my call with XXXX  ended, he called me back and said I had to provide it again. I asked to speak to his manager, and he refused because he said all the managers were busy. So I called XXXX a third time, spoke to XXXX, provided her with all my personal identification information, and when she said that I satisfied the demands of the XX/XX/XXXX letter, I asked her for either a confirmation number or an email for proof that I satisfied the letter of XX/XX/XXXX and that my account would not be closed on XX/XX/XXXX. XXXX was unable to provide me with either.
Consumer complaint received 2019-01-17
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. (GA)

-XX/XX/2018 a Dispute was open for 3 unverifiable accounts. Within 30 days a response was received as UPDATED and/or VERIFIED. There was no verifiable proof ( an original consumer report with my signature on it ) mailed or emailed to me. 
- XX/XX/2018 a second Dispute was opened where I have requested that the VERIFIED and UPDATED account are sent to me with proof of my signature on the Original Consumer Report. Within 30 days of the dispute A response was received Consumer Disagrees I have yet To receive the original creditors documents with my signature but the account still show on my credit report. 

As for XXXX - The same has happened as stated on XX/XX/2018. 

On XX/XX/2018 a second dispute was opened and I have not heard from XXXX since the Dispute response for XX/XX/2018