davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-19
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: U.S. BANCORP (CO)

A domestic transfer of {$5000.00} was initiated on Sunday XX/XX/XXXX from US Bank Savings account to my XXXX XXXX ( XXXX ) checking account. The funds cleared US Bank on XX/XX/XXXX. By XX/XX/XXXX the funds had still not arrived at XXXX. I called XXXX XX/XX/XXXX- they recommended I cancel the transaction to receive my funds ASAP. I provided XXXX verbal approval to cancel the transaction. On the morning of XX/XX/XXXX funds were no longer pending at XXXX. 

By Monday, XX/XX/XXXX the funds had not arrived back at US Bank. I called US Bank- they had no record of any pending transaction. I called XXXX shortly thereafter. XXXX confirmed again the transaction was cancelled morning of XX/XX/XXXX. XXXX did not have a 15 digit trace number to provide since the transaction was cancelled. 

I called US Bank Monday, XX/XX/XXXX and spoke to representatives at US Bank for 2 hours. Eventually US Bank informed me there was no trace number since the transfer was cancelled, and they were unable to see the funds pending in my account since the cancellation of transfer had not been processed. They assured me the funds would clear by Tuesday XX/XX/XXXX close of business, and to call back Wednesday XX/XX/XXXX if I hadnt seen anything. 

Wednesday, XX/XX/XXXX arrives and still no pending deposits and no funds have arrived. Wheres the {$5000.00}? I call US Bank, and once again they have no idea. They spend 30 min trying to figure it out, but no one can tell me where the money is, if its lost, or when ( if ever it will arrive ). I have exhausted all options I am unable to reach anyone at US Bank that is able to help.
Consumer complaint received 2019-06-18
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (CA)

This is an ongoing predatory Wells Fargo strategy that likely impact hundreds or thousands of customers. I have reached out in the past to complain about the bank practice or applying overdraft debits BEFORE applying deposit credits to low balance accounts. When a customer notices an account is overdraft or about to overdraft and makes a deposit to avoid this Wells Fargo even for linked internal Wells Fargo accounts where transfers are made electronically and therefore should happen in real-time the bank applies their overdraft fee as a debit FIRST before the deposit/transfer ... Further overdrawing the account rather than FIRST applying the the deposit credit made by the account holder. In every case had the deposit debit been applied first the account would NOT overdraw the instance I am referring to occurred over the weekend XX/XX/2019 rather than DECLINING a transaction that would overdraw the account the bank accepted and processed it. when I discovered on XX/XX/2019 I made an electronic transfer from one Wells Fargo checking account to another. theoretically this should be immediate and real time as it is all digital and the accounts are internal and connected.On Saturday at the minute I made a {$90.00} transfer the account corrected from showing an {$88.00} over draft to showing a {$2.00} balance. However Wells Fargo then instead of applying the transfer in instant realtime held the transfer as " pending '' until Monday XX/XX/2019 and only applied AFTER they had added a {$35.00} overdraft fee debit, coincidentally also on XX/XX/2019. rather than my electronic transfer than my {$90.00} transfer resulting in a {$2.00} positive account balance my account ended up at a NEGATIVE {$33.00} by result of Wells applying their {$35.00} late fee before applying my {$90.00} transfer When I complained to the bank about this before I pointed out that as a best practice XXXX XXXX XXXX ALWAYS applies credits BEFORE debits. The response was " we can't speak for or address what other banks are doing. '' This experience is not isolated solely to me and it is a predatory practice and predatory source of revenue for the bank
Consumer complaint received 2023-07-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: RentDebt Automated Collections, LLC (TX)

Hello! I have an account that showed up on my credit reports when I realized this I disputed it. This is not my account but the company refuses to delete it. I received a form with a signed lease, this is NOT my signature. I am attaching a photo of my ID and also my signed affidavit that the company provided to me. Also my report of identity theft. You can see the signature of my ID does not match the signed lease they have. I do not own this account I am a XXXX  from XXXX I do not own any money on any accounts to anybody.
Consumer complaint received 2018-02-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

I had a XXXX XXXX Credit card back in 2016. I had it paid off yet the payment was not recorded. The account was then in collections for some time being mailed to the wrong address without my knowledge. I examined my credit report and noticed that it was in collections and charged off. The balance was very very low that was owed. I spoke with a representative over the phone and they informed me that if I paid the couple buck owed plus a fee then the negative marks will be removed. After I paid the fee and looked at my account I noticed the negative marks were still there. Also, I noticed that Equifax is still reporting my account as derogatory when it is paid in full.
Consumer complaint received 2023-07-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Debt Recovery Solutions, LLC (AL)

I paid the debt I do not owe XXXX to DRS whom I never signed a contract with know who they are. I do not owe XXXX XXXX  XXXX this debt is almost 7 years old and it was removed they added this as if I have a new debt and I dont.
Consumer complaint received 2019-06-18
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

I have, through my employer, an HSA account with Bank of America. Today, when I went to pay for my wife 's prescription XXXX medication, my HSA card did not work. After a fair amount of going in circles, I got through to a representative at around XXXX XXXX., who told me that a. ) my account was frozen for potential 'fraud ', b. ) the bank had reached out through its automated process ( which it had not, but more on that later ), and c. ) this could not be fixed for 1-3 business days. When I pointed out that this made purchasing this medication ( just under {$500.00} ) unfeasible, as I did not have that much cash lying around, I was promised an escalation, put on hold, and was told that I'd have the account unfrozen within two hours, after which I would received a call. 

Four hours later, I called again, and was told the card was still frozen, but that the representative on the phone was unlocking it. I raced to the pharmacy so that I could acquire the necessary medications, and was told once again, at the pharmacy, that the card was declined. I got back on the phone for the third time with Bank of America, who pushed the former " two hours '' into " two business days '' and were exceedingly unhelpful in giving me access to my own money. 

At the end, I had to use a credit card with very high interest rates ( which, of course, they are not reimbursing, nor are they reimbursing my or my wife 's lost time at work and lost wages ), that I also had through Bank of America. At that point, I got the automated text alert, which I confirmed. Given that I did not receive that automated text alert for the previous transaction, my belief in Bank of America is gone. 

At this point, I would like Bank of America to update their policies so that this does not repeat.
Consumer complaint received 2019-06-18
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Shellpoint Partners, LLC (IL)

I'm a veteran and I have been trying to sell my condo for almost a year now. The price started at {$140000.00} and after months of no interest from potential buyers the price was eventually lowered to {$97000.00}. I finally got a potential buyer who put in an offer for {$82000.00} and after about a month the bank ( Shellpoint Mortgage ) came back and stated that they wanted {$99000.00}. The buyer stayed at the {$82000.00} and after a few more weeks of waiting on the bank to make a decision the buyer lost interest then on XX/XX/2019 the bank said that they would accept {$79000.00} to close the deal. By that time it was too late and we lost the first buyer. Since the bank gave us the bottom line number that they would accept at {$79000.00}, my team lowered the selling price to {$79000.00}. Within 2 weeks we received a full price offer for {$79000.00} and then the bank took about 3 weeks and stated that they now want to get {$95000.00} to close the deal. This is unethical and unprofessional of the bank because they already gave us a bottom line price of {$79000.00}. As a veteran I have been through too much to deal with a bank that is trying to take advantage of me by going back on their original price which we got for them. I just want the bank to give the approval of the sale so that this property can go to someone that actually wants it instead of trying to bully a veteran into going into foreclosure. Any assistance that you can give is appreciated. Thank you.
Consumer complaint received 2020-09-24
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: R & B Corporation of Virginia (VA)

Credit Control Corporation put a medical collection on all three of my credit reports. The medical bill was paid my insurance ( XXXX ) XX/XX/2019. This is collections is stoping me from closing on my home. Waiting up to 45 days I will lose my home.
Consumer complaint received 2023-07-19
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Financial Assistance Inc (OR)

I contacted FINANCIAL ASSISTANCE INC To talk to them about a debt that I did not know about. It was overdraft charges from. A bank account that I did not authorize overdraft charges. We talking to the lady ( XXXX ) she stated that she sees I just did bankruptcy and if I didn't have it paid off in 3 months it would go onto my credit report and damage my credit. I told that I could set up a payment plan but that plan was not good enough because within three months it would hit my credit and damage it.
Consumer complaint received 2019-04-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: Synovus Bank (MD)

I applied for a secured card with XXXX XXXX. They charged me {$300.00}, and I never received the card. Now my bank says someone is trying to access my account and I need a new bank debit card. I called XXXX XXXX at XXXX in the afternoon and the voicemail says the service center is closed. I cant log on online.
Consumer complaint received 2019-06-18
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: EQUIFAX, INC. (VA)

AFTER REVIEWING MY CREDIT REPORT I DISCOVERED A FEW INACCURATE ACCOUNTS ON MY FILE. THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, THOSE ACCOUNTS WERE INACCURATELY PLACED ON MY CREDIT, PLEASE CONDUCT AN INVESTIGATION FOR THOSE DEROGATORY MARKS FOR THEY HAVE CAUSED SERIOUS DAMAGE ON MY CREDIT.
Consumer complaint received 2019-06-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

AFTER REVIEWING MY CREDIT REPORT I DISCOVERED A FEW INACCURATE ACCOUNTS ON MY FILE. THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, THOSE ACCOUNTS WERE INACCURATELY PLACED ON MY CREDIT, PLEASE CONDUCT AN INVESTIGATION FOR THOSE DEROGATORY MARKS FOR THEY HAVE CAUSED SERIOUS DAMAGE ON MY CREDIT.
Consumer complaint received 2019-06-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: AES/PHEAA (MI)

My student loans date back to XXXX under the public service loan forgiveness program. XX/XX/XXXX I submitted a request to federal loans to have my loans transferred to them and they confirmed that all of my loans qualify for public service loans forgiveness and took over servicing my loans. I have been paying on my loans since XXXX when I graduated XXXX school and began XXXX. In XX/XX/XXXX after Fed loans told me I qualified for the program, I was told I would received information regarding how many of the payments I have made over these last 7 years qualify towards my 10 years ( 120 loan payments ). I have contacted them about every 3 months since then and still have not received an answer when I was told originally it would only take 1-3 months to calculate this. It has now been 14 months and they still have not given me any information regarding my qualifying payments and continue to brush off my requests to have the qualifying payments calculated. I have resubmitted employer information for the 2 places I have worked that qualify for this program and am still making on-time payments every month. Current principle balance is {$310000.00}.
Consumer complaint received 2023-07-17
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: EQUIFAX, INC. (MN)

There are accounts on my consumer report that are a result of identity theft. I did not provide written permission with a wet signature for these accounts to be reported on my consumer report. I recently contacted you to address this issue, and I am requesting that this information be blocked and deleted as soon as possible. Your actions have caused me significant mental and financial stress by including items on my credit report that do not belong to me and for which I am not responsible. I am prepared to take legal action if this complaint is not handled appropriately. These fake, inaccurate, and fraudulent items appearing on my credit record have prevented me from purchasing my dream house and providing for my family 's needs. I have attached a copy of the letter I previously sent for your reference.
Consumer complaint received 2023-07-17
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. (NJ)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2019-06-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc. (MD)

XXXXXXXX XXXX opened a XXXX XXXX XXXX Mastercard credit card in our name without our authorization with Comenity. They charged our XXXX 's club annual renewal fee to the card. Since then my husband has tried three times to close the account. He paid the renewal fee on the phone and they told him they would close the account and remove all fees. Three months later we are still getting fees on the account. They tell us the account is closed. We have been cut off three times while trying to resolve this tonight. Then they told us they cant remove fees on a closed account. Now they are telling us that they will zero the account. 
Initial charge happened in XXXX. Paid the XXXX XXXX XXXX annual renewal fee on XX/XX/19 online so we could close the account and we were charged a late fee on XX/XX/19 for {$27.00}. The 2nd call was on XX/XX/19 and XXXX employee # XXXX said she cleared all of the charges which were processed on XX/XX/19 {$2.00}, XX/XX/19 {$2.00}, XX/XX/19 {$4.00} & {$2.00}. New fees were put on the account on XX/XX/19 {$11.00} for late fees and XX/XX/19 minimum interest charges {$2.00}. Today we talked to XXXX # XXXX who initially said that he could not take fees off of a closed account. I did let him know we were filling a complaint. He then said he talked to his Leadership Team and they would take the fees off. We never authorized this card and it took 4 months of calling to resolve and now we wait to see if we get another bill.
Consumer complaint received 2019-06-18
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: EQUIFAX, INC. (NC)

I was wondering where did credit bureaus get this public information when the recorder of deeds, the magistrate or the court itself did not furnish any of this information to the credit bureaus. They do not provide any proof to justify their reporting. Please get this public information removed because it is a violation of the Fair Credit Reporting Act to report false information Chapter XXXX Bankruptcy XXXX
Consumer complaint received 2018-06-18
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. (AZ)

I've filed Bankruptcy in 2017 and there was a debt, XXXX XXXX, that was included in my bankruptcy. On my credit report, it is listed as a collection with an outstanding balance which is included in my Chapter XXXX Bankruptcy. After 3 attempts to dispute the item and even provided supporting documentation for the item, XXXX, XXXX and Equifax continue to allow the item to remain on my credit report. I've demanded them to re-investigate the item and they refused.
Consumer complaint received 2020-09-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: DISCOVER BANK (OH)

There is an advertisement and a pre-approval form which states that you can " see if you're pre-approved with no harm to your credit. '' It states, " it's fast and secure '' and " there is no impact to your credit. '' A little further down it lists the " benefits '' and the first two benefits each have a footnote. 

Upon learning that I was pre-approved it immediately tells you to complete the application to apply, which I did. Immediately thereafter, I received a notice of a hard inquiry on my credit report and my credit score immediately dropped 8 points!!! 

I immediately contacted Discover at XXXX and spoke with XXXX ( who was very nice ). Unfortunately, however, XXXX was unable to assist with the issue, explaining that upon speaking with his supervisor there was nothing they could do and that they are sorry it is not more clear that it was a two-part process and that only during the pre-approval phase would there be " no harm to your credit. '' I believe that in the same manner they have the footnotes which provide additional detail and transparency with regard to the " benefits '', they should also have a footnote that would provide true transparency that if you choose to apply AFTER you have have been pre-approved, the second step or the completion of step two will result in a hard inquiry on your credit report. Had I known there would be a hard inquiry on my credit report I would NOT have applied. Discover wasn't my first choice. 

You can view the offer by going to the following link : https : //www.discovercard.com/application/website/prequal # prequal-match-disclosure I am angry. I did not want a hard inquiry on my credit report.
Consumer complaint received 2020-09-24
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 — Problem with personal statement of dispute
Company: American Financial Resources, Inc. (GA)

I filled out forbearance paperwork with American Financial ResourcesXX/XX/XXXX due to COVID-19. XX/XX/XXXX at XXXX in a recorded conversation I was told that my account was in Forbearance and that they would switch my Forbearance to COVI-19 Cares Act program. XX/XX/XXXX XXXX, I called and spoke with a manager that confirmed I was on the Cares Act plan even though I received a letter stating they were going to report it to my credit. XX/XX/XXXX XXXX, I spoke with a manager after it was reported to my credit and they confirmed it was a mistake and removed it from my credit. XX/XX/XXXX XXXX, I spoke with another manager and  stated that they need to remove it form my wife 's credit as well because we are both on the loan and he agreed. XX/XX/XXXX XXXX, I spoke with a manager to find out why it was put back on my credit and why it was reporting late. The manager realized they made a mistake and never properly switched me over to the COVID-19 plan and I was still on a regular forbearance plan. Manager stated that he would correct the error. The error since has not been corrected as I've had multiple conversations with American Financial Resources supervisors and managers. It is still reporting negative on both our credits.
Consumer complaint received 2019-06-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

Tried contacting/ Disputing with XXXX XXXX was given no help. Put negative makes stating I was 30 days late when the account was charged off and sold to another company back in 2015. Public records still stating that the account is still owed