davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-03-27
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: WELLS FARGO & COMPANY (WA)

I have business debt of about {$8000.00} to Wells Fargo. The business card account number is XXXX. Its for a XXXX XXXX that is now dissolved. It is about three months overdue and headed towards claims. I have an agent for the account. XXXX XXXX ( XXXX XXXX XXXX ext. XXXX ). It took me a great deal of time just to get a hold of this person. He wouldnt answer my calls and refuses to email. He hasnt been at all motivated to get my account settle and has largely ignored my calls. Here is a link to my XXXX XXXX containing nearly all of my outgoing calls to him/Wells Fargo about this account ( XXXX XXXX XXXX ). There is some serious neglect here. 

This agent is very dirty. I dont feel that I can trust him. I dont know how much of this debt Im truly response for because it was a XXXX XXXX, and I do not know what an honest amount to settle for is. Would it be possible for you, or someone else to work as a mediator between the two of us? Im will to sign whatever is necessary to do so. I have already sent the individual paperwork of my financial situation. 

Looking forward to hearing from you soon! 

Very respectfully, XXXX, XXXX
Consumer complaint received 2022-03-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC. (NC)

I thought Navient would no longer be my loan servicer, but I continued to receive correspondence from them. I called in and was told that since my loans were owned by Navient, they would continue to be my loan servicer. I asked the representative to explain what that means to me and the call was disconnected. I really dont understand what is meant by my loans being OWNED by Navient XXXX I want to know when this ownership occurred and how it impacts me.
Consumer complaint received 2020-07-29
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to pay a bill
Company: UMB FINANCIAL CORPORATION (SD)

regarding our XXXX XXXX card, they asked for reimbursement information to ensure that the purchases met the IRS guidelinses for purchases. First, we wouldn't have been able to use the card at those locations because the BIN is only able to be used for approved medical costs, " Qualified Purchases ''. One of our Qualified Purchases is for an online medical visit, and the other is for a dental procedure. These should be obvious Qualified Purchases, without asking for receipts. Asking for receipts in these cases, where the spend and use should be brazenly obvious, is burdensome to the customer, and merely used as a method to withhold funds from being used by the customer. XXXX cards are funded by us, and ultimately we have the tax liability. So I'm really unsure why XXXX, UMB is giving us such a hard time. Perhaps they get some of the unused funds if they aren't used within the qualified timeframe? 
Notwithstanding the burdensome and deceptive practices, we provided the requested information to XXXX, which appears to have XXXX XXXX involved, and the XXXX card is issued by UMB Bank. 
After providing the information, we were met with a letter saying that our card has been suspended, and that we are no longer able to use it. Withholding funds means we can't pay our medical bills, and that subjects us to our credit being destroyed due to late and unpaid charges. We shouldn't have to chose between paying our medical bills and putting food on the table, when we have money in our XXXX, but it's being held captive unfairly by UMB and XXXX. 
Further, when we tried to call in to their customer service, there is no availability to access any customer service agent at all. We are only able to " speak '' to an electronic service that will provide us claims dates and information. Completely unhelpful. Not everyone has easy access to a computer, and this is a discriminatory practice. 
It has valuable funds, funded by our own dollars, and severely needed to pay for medical costs. XXXX and UMB should be ashamed of themselves for this kind of customer abuse.
Consumer complaint received 2018-05-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (CA)

I traveled to XXXX for medical reasons in XX/XX/XXXX. While there I attempted to withdraw {$60.00} for the Taxi fee to airport on XX/XX/XXXX and XXXX from the only ATM that dispenses dollars, at XXXX XXXX. The ATM denied my withdrawal since the amount requested was translated into pesos ( {$1100.00} on XX/XX/XXXX and {$1100.00} onXX/XX/XXXX ). The ATM request had a dollar sign " $ '' in lieu of pesos. I called Wells Fargo bank ( my bank ) to explain that I am requesting {$60.00} not {$1000.00}!. The rep I spoke with said she would have to raise my credit limit to allow the transaction. I argued that it made no sense since I only need {$60.00} and the ATM uses " $ '' for pesos. After much confusion she said to try again. I was able to get the {$60.00} and did so again on the XXXX. 
When I reviewed my statements I found I had been charged in dollars, and Wells Fargo refused to credit my the {$1800.00} they owe my account. I explained, and even asked them to call XXXX XXXX, since the withdraw limit is $ XXXX/day anyway. I have opened the claim twice with their Fraud Dept. with no effect. The Doctor i saw in XXXX called me and confirmed the bank will not dispense more than {$450.00}, and that the bank here is confusing the dollar sign for US dollars. Still Wells Fargo will not credit me the funds. Now they won't return my calls.
Consumer complaint received 2022-03-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (CA)

I requested reallocation of payments to promotional interest-free purchases twice and they have failed to process my request. The failure to allocate my payments as per my request resulted in interest being assessed for the promotional purchases. My third call to them resulted in me being left on hold for a supervisor for over an hour. This company makes it very difficult to obtain payment information or dispute charges by not providing an online resolution system and having excessive hold times for a customer service agent.
Consumer complaint received 2017-09-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with cash advances
Company: Bread Financial Holdings, Inc. (MD)

On XX/XX/2017, I requested from XXXX a cash advance of {$5000.00} in response to a promotion. The cash advance was to go to my XXXX card. I realized right after I submitted it that I had a typo in the address for XXXX. I immediately called the customer service number for XXXX and explained my error. The representative said she would cancel the transfer. I asked if I should go ahead and submit the balance transfer again and was told, yes, I should submit another transfer. On XX/XX/2017, XXXX sent me a letter telling me that they received my request cancel the balance transfer, but payment can not be stopped because the amount had already been paid and transferred to XXXX. In addition, a second balance transfer for {$5000.00} was completed and paid to XXXX. This contradicts the instructions I was given when I called customer service. I would never have submitted the request a second time if I had not been told that the first one would be canceled. Now, instead of owing XXXX {$5000.00}, I owe them {$10000.00}. I called XXXX  again on XX/XX/2017, and was told there is nothing they can do and that I need to have XXXX refund the overpayment.
Consumer complaint received 2017-09-23
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: SYNCHRONY FINANCIAL (CA)

I have received and continue to receive credit card accounts opened in my name without my authorization through Synchrony Bank. I have called Synchrony Bank a few times in the past to report the fraud yet continue to see new accounts opened up fraudulently with Synchrony.
Consumer complaint received 2022-07-22
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: EQUIFAX, INC. (AL)

My wallet got stolen and my social was in there. My identity was stolen and there were fraudulent inquiries added to my credit that were not authorized by me. I would like them to be removed of my credit report. 
There are as follows : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-12-06
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. (FL)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the erroneous inquiry reporting on my Credit Report : XXXX XXXX XXXX XX/XX/2020
Consumer complaint received 2020-07-29
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: Continental Services Group, Inc. d/b/a ConServe (FL)

I recently got a copy of my credit report and I noticed some errors on them. There are collections accounts that does not belong to me. I tried contacting the collection agencies and the credit bureau ( all three ), and has them to send me copies of any documents bearing my signature. They only verified them through e-Ocars and NOT a physical person according to the FCAR 609 ( e ) Please your assistance is needed to correct this matter.
Consumer complaint received 2021-04-13
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Vehicle was damaged or destroyed the vehicle — 
Company: Cash Express, LLC (KY)

I got a title loan in XXXX XXXX cash express ; in XXXX was quarantined due to XXXX & in middle of ice storm. They cant take pymts over the phone. They told me since Im out of state I can do XXXX bill pay but they have no corporate # so bill pay cant be done. You are asked to send money in name of cash express workers name which cost from $ XXXX {$16.00} per month : theyve been harrassing & threatening me since XXXX when I had XXXX and they cant take a debit pymt over the phone they wanted me to get out in spite of CDC warning nor could anyone make it to XXXX due to ice storm so they received pymt a little late due to it being mailed. I cant even find a legitimate business license for this company they have no corporate ID for bill money pymt and its unfair to send to just a workers name and make extra fees be of, ive asked the owner to call me ( XXXX ) and he said since Ive made complaints no one could speak to me, the harassment is getting out of hand they tried saying XXXX pymt was {$1.00} short when a worker gave me the amount at XXXX money Srvcs XXXX KY THE WORKER HEARD AMOUNT AND MONEY ORDER MADE AND SENT OUT now they say it was a new worker she erred and its my problem to fix. I live on a XXXX check. Have had 2 title loans in the past out of state o SC & they were paid off and easily paid with a legitimacy to the company. Something is wrong when a company cant provide you with a license # or corporate ID. I have proof of all pymts made. My original loan stated {$100.00} ... .since XXXX XXXX incident it goes up every month causing undue hardship.
Consumer complaint received 2019-03-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

I had a Capital One credit card with a {$300.00} dollar credit limit. I recently went through a very hard financial struggle and lost my job. In result I was unable to make consistent payments to my bill. The credit company would not work with me on lower my interest fees or postpone payment due dates and continued to charge me. When before I went through financial troubles I was making all my payments 100 % ahead of the due date. My last payment was on XX/XX/2018. I lost my job XX/XX/2018 and the company continued to charge me high interest rate which resulted in the credit grantor closing my account and leaving a negative remark on my credit of {$420.00}.
Consumer complaint received 2019-03-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Roosen, Varchetti & Olivier, PLLC (GA)

Request three times by US Certified Mail to get proof of the alleged debt validation on XXXX and XXXX. However unfortunately did not get any of them. ID Theft to gain profit is serious white crime in US include my situation. Want to be stop immediately reporting credit report agents and stop collecting activity without bringing up proper verification.
Consumer complaint received 2022-07-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (OK)

In accordance with the Fair Credit Reporting act XXXX  Account # 's XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2019-06-03
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

While I was on vacation during XX/XX/2018, I missed a mortgage payment ( {$1500.00} ) which was an oversight. I had sufficient funds in my account but was not notified and I did not speak to a human being about the missing payment till XX/XX/2018. I paid the missing XX/XX/2018 payment in XX/XX/2018 and I was current on my mortgage payments. It turned into 4 ( 30-day Rolling ) (XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX & XX/XX/2018 ) late statements against my credit report. I'm currently trying to obtain a mortgage but there's 4 late payments in the last one year. I have tried to submit all the info to the creditor Bank but they denied to repair my credit report.
Consumer complaint received 2022-07-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

In accordance with the Fair Credit Reporting act XXXX Account # 's XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX  has XXXX my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2021-05-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BBVA FINANCIAL CORPORATION (MD)

Back in XXXX BBVA ( bbvausa.com ) made the decision to shut down Simple Bank ( simple.com ) and transition all of its customers to BBVA instead. The transition was supposed to have taken place on XX/XX/XXXX, however since BBVA shut down the Simple app many customers ( myself included ) have had no access to our accounts and have been unable to register for access through BBVA and have been unable to contact BBVA in any way. 

I tried multiple times yesterday to contact BBVA by phone however their phone line just lead to an automated recording saying they were having difficulties and then hung up on you. BBVA stated multiple times on XXXX yesterday that the issue should be resolved however I am still unable to gain access to my account. Around XXXX last night BBVA made a statement on XXXX that there would be another customer support line setup for Simple customers to call on Sunday for help. I have attempted to call that line multiple times this morning only to be met with silence followed by the call disconnecting XXXX XXXX  : XXXX ). Others who have actually had someone answer the line have been hung up on after stating they were Simple customers XXXX XXXX  : XXXX ). And numerous others have stated that after calling the service representatives either laughed at them XXXX XXXX  : XXXX ) or pretended to not hear them XXXX XXXX  : XXXX ) and then hung up. 

You can find many more examples by just searching for replies to BBVA_USA 's XXXX account : XXXX  : XXXX  XXXX & XXXX & XXXX BBVA has also been repeatedly hiding any replies to their posts stating that the information they're providing is demonstrably untrue : XXXX  : XXXX XXXX  : XXXX As of XXXX on XX/XX/XXXX. Two days after the transition I still have no access to my account.
Consumer complaint received 2022-03-01
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. (TX)

I contested the following information included on the attached files with Equifax and up until this day, they still hasn't responded to all the letters I mailed them. I tried multiple times to resolve this problem with them because I do not wish to pursue legal actions against them but they have been neglecting the duties mandated by the FCRA. This has caused me so much emotional and mental stress because they are degrading my credit rating by reporting erroneous information and preventing me to obtain the necessary credits amidst the pandemic. My credit rating and credibility has always been really important to me and I started researching about it and reaching out to people who might have an idea what to do and they referred me to your website. Equifax has violated so many laws, the investigation results and status were not communicated to me. I explicitly requested verified documentation for the supposed information reporting on my credit file, but I have yet to get anything. Despite being disputed, there is still a lot of inaccurate information on my credit report. I was not notified about the investigation as well as the results so I'm not even sure whether or not they did the investigation. If they did, the errors on my credit report were not fixed despite their " investigation ''.
Consumer complaint received 2022-03-01
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. (AZ)

On XX/XX/2021 XXXX XXXX XXXX filed for collection on my Trans Union credit report. I filed a dispute. Trans Union decided it was a legitimate claim. I called Trans Union and talked to a supervisor and after digging further into it, they decided the account belongs to another person, they even told me their name. Trans Union said they would remove the collection from my account. But now they have decided to leave it on my report and are trying to negotiate a settlement for me to pay to have it removed. Please help.