davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-06-30
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (NC)

Between XX/XX/XXXX and XX/XX/XXXX, a total of 38 unauthorized transactions totaling {$17000.00} were posted to the Wells Fargo checking account of [ Account Holder ] and [ Spouse, joint-account co-holder ) ( henceforth " Respondent '' ). This was the checking account through which Respondent accesses retirement savings. Each of the postings were made by a merchant using the label " XXXX XXXX '' or " XXXX XXXX ''. The withdraws were never authorized by Respondent, and in no case did Respondent gain anything of value from these transactions. In other words, the withdrawals were completely fraudulent. 

Wells Fargo was notified of these transactions on or around XX/XX/XXXX, the date of the last transaction, and on XX/XX/XXXX, after what Wells Fargo deemed to be a complete investigation, XXXX XXXX, in her capacity as Financial Crimes Manager, decreed that Wells Fargo would only reimburse Respondent {$7900.00}, fully {$9200.00} short of the total. 

Respondent acted right away to mitigate losses once the theft from his account was discovered. The theft was concealed because the cyberthieves were using an " XXXX XXXX '' charging ID, which concealed for a time the theft from REspondent because of its proximity to the name of the XXXX XXXX Company accounts he ( meaning Respondent and Joint-owner/spouse ) owns. The theft came at a time when the Wells Fargo account of Respondent had XXXX dollars of deposits or more per month, and so was also concealed because of the incremental amounts in which the {$17000.00} dollars was stolen from their account over thirty-eight ( 38 ) transactions. 

Respondent and joint-owner/spouse, both working professionals, were on periods of extended travel during some or all of the periods during which money was withdrawn. 

Wells Fargo is a sophisticated entity and they are tasked with protecting the money of Respondent. In failing to monitor and identify fraudulent activity after 38 uncharacteristic and fraudulent transfers, the bank failed in upholding its fiduciary duty to Respondent. The Bank had over 30 years of financial data for Respondent and Spouse to work with that would have helped make this identification had the Bank put in even a reasonable amount of oversight into the account. Moreover, Wells Fargo under FDIC 1005.5 should have allowed a grace period for Respondent and joint-owner/spouse to make a complaint about stolen funds, owing to their travel during most or all periods that the 38 transfers were taken out. Finally, it should be state that the Bank 's lack of communication on this issue is particularly concerning given Respondent and Spouse 's amount of capital stored with Wells Fargo bank. It is almost as if Wells Fargo Bank thinks it can simply steal the money and not be held liable for it.
Consumer complaint received 2019-06-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A. (UT)

Citi refuses to abide the laws under the Fair Credit Billing Act section 103 ( f ) of the Truth in Lending Act ( 15 U.S.C. 1602 ( f ). They have sent mailed responses assuming that I am responsible for debts that were a result of fraud. They have received police report numbers and fraud claim affidavits detailing the cards were not in possessions and my cards and house including personal property were overtaken during a period of time by criminals. 

Citi failed to honor the zero liability policy for fraud and assumed me for the responsibility which is false.
Consumer complaint received 2016-01-15
Product: Credit card — 
Issue: Billing statement — 
Company: SYNCHRONY FINANCIAL (NC)

Synchrony Bank took over XXXX of my credit cards. Those accounts are Sam 's Club Credit, Lowe 's Credit, BP XXXX Credit, and TJX Credit. Their actions on all accounts are similar. They refuse to send my copy of the bill electronically to my bank as XXXX for example did previously. They will only send it to me, however, they are not very good at doing that. Consistently, they fail to send me a monthly bill and then charge a late charge and interest. They claim to have sent the bill but provide no documentation trying instead to send me on a wild goose XXXX looking in the spam trap. They refuse to eliminate the late charges after the first but always charge interest, and they post against my credit record. They then call with threatening collection actions and even put XXXX card " on hold '' four days after the end of a billing period XXXX with a purpose of getting me to let them draft a minimum payment from my bank. I tell them that that will never happen and they do not like that response. I have no outstanding credit card debt and pay no credit card interest by design. I should not have to go through their clunky websites to get my bill on a monthly basis particularly since some of the accounts are not used on a monthly basis. I judge that it is no longer safe to have bills sent through the XXXX mail. Either this bank does not have the technology or chooses not to use the technology that we as consumers are accustomed to having available ; or perhaps this is simply their ploy to increase the revenue stream by creating late fees and charges.
Consumer complaint received 2021-11-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Waypoint Resource Group, LLC (MN)

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

This account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to 3 Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you. 

WAYPOINT RESOURCE GROU XXXX Balance {$430.00}
Consumer complaint received 2019-03-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC (TX)

I received my escrow analysis dated on XX/XX/XXXX. The analysis has excluded one of my monthly payments for XX/XX/XXXX causing a larger than necessary collection of escrow payments. My payment for the XX/XX/XXXX payment was received by the Company, Amerihome Mortgage on XX/XX/XXXX, however was not included in the calculation. 

Total paid for the period XX/XX/XXXX to XX/XX/XXXX is {$6100.00} with a beginning balance of {$1000.00} for a total escrow to be used of {$7200.00}, and taxes were paid out XX/XX/XXXX in the amount of {$4600.00} leaving the balance in escrow at its current amount of {$2600.00}. Insurance will be coming out in XXXX in the amount of {$1700.00} leaving an escrow balance of {$860.00}. The analysis shows that my minimum amount due should be {$940.00}. Leaving a shortage of {$79.00}. 

With the amount for one of the months missing the amount due is being calculated at {$1100.00} and collecting monthly at {$91.00} plus the new escrow amount of {$530.00}. 

I called Amerihome to request a new escrow analysis to be run and was told, " sorry it is correct and by the way it doesn't go into affect until XX/XX/2019 ''. 

Then I asked to talk to a supervisor and the supervisor said I was wrong. So I asked to speak to a higher supervisor and was told the higher supervisor would be calling me back in 24-48 hours. 

This is not correct and companies should not be allowed to bully their customer 's. I have never missed a payment.
Consumer complaint received 2023-07-26
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. (IL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2022-12-14
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. (NJ)

I submitted a letter to the 3 Credit Bureaus to discard this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
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
Consumer complaint received 2022-10-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (FL)

Unauthorized atm withdrawal from a XXXX XXXX ATM for {$170.00}. I did not use an atm in XXXX XXXX or take out {$170.00} on XXXX XXXX. Ive contacted CHIME and was told to wait until it settles completely before they can start a dispute and are unsure if Ill be getting my funds back from this FRAUDULENT transaction. I am very worried that I would not be able to recover my stolen funds. Please assist! Thank you!
Consumer complaint received 2020-11-10
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. (TX)

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 TX XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX {$22000.00} XXXX  XXXX  XXXX {$17000.00} XXXX  XXXX  XXXX {$17000.00} XXXX XXXX XXXX XXXX XXXX {$11000.00} XXXX XXXX XXXX XXXX {$5000.00} FRAUDULENT APPLICATIONS SUBMITTED IN MY NAME AND MY IDENTITY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY OR EVENING XXXX.
Consumer complaint received 2019-06-29
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: KEYCORP (PA)

Key CONTINUES to play us as fools. Latest response letter admits MULTIPLE mistakes just in handling a factually correct response to this Complaint! Now they pretend we dont know why they continue to misstate what the negative financial ramifications are to us due to their mishandling. 

They have NOT disputed that we asked for and were denied our fixed rate option in XX/XX/XXXX. We were sent out to refinance instead of the in-house FIXED RATE REFINANCE. 

From XX/XX/XXXX until XX/XX/XXXX, we made made payments based on the adjustable rate totaling {$12000.00}. We are now paying over the course of 180 months x {$460.00} = {$83000.00}. Added together, we will pay a total of ( +/- ) {$95000.00} HAD THEY DONE WHAT WAS REQUIRED, YES the MONTHLY payment would have been higher as the balance was higher, but we would have paid THOUSANDS less. At at a fixed rate starting with the balance in XXXX XXXX payment would have been ( +/- ) {$510.00} x180 months for a total of XXXX ( +/- ) The difference is in the thousands - not the XXXX bucks theynused as a bandaid thinking we would not know what they are doing. 

{$12000.00} from XX/XX/XXXX - XX/XX/XXXX PLUS 180 x {$460.00} = {$83000.00} from XX/XX/XXXX - XXXX/XXXX XXXX +  {$83000.00} = {$95000.00} Had they done the fixed rate as we REQUESTED we would have paid far less. 
We are still OWED MONEY.
Consumer complaint received 2019-03-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

In early XX/XX/XXXX ( XXXX ) called credit company to inquire about rewards on travel, was told I did not have to book with them ( credit card ) to get any reward credits, just call upon return of trip and a " statement credit '' would be issued, I was given a contact number - it's a general # for travel. Charged other travel items such as bag fees. 
Upon return called ( XX/XX/XXXX ) went through many representatives at card company, last was a Mr. XXXX Was told that my card did not have a travel reward and I would need to take a cash credit which is 1/2 the value of travel rewards. ie XXXX points for travel is {$25.00}, but XXXX points for cash are required for the same {$25.00}. 

I noted that their web site, under my card #, does not say such and a change should be made to make clear to consumers what the deal is. I consider their web site for my card is a bate and switch scam, and at least false advertising, Here is what the site for my specific card says : " Hello, XXXX. 
Choose the rewards that matter most to you Redeem Points Redemption Value Expiring Points Schedule FAQs View Program Rules Redeem your points. 
XXXX points minimum redemption. 

Travel Cover all or part of the cost of a flight, hotel or car rental. 
XXXX points = {$25.00} XXXX points minimum redemption. 

Gift cards Choose from top retailers and restaurants. 
XXXX points = {$25.00} XXXX points minimum redemption. 

Cash Choose a direct deposit, statement credit and more. 
XXXX points = {$25.00} " Representatives have constantly informed me that my card does not have these benefits, or may if I book a trip through them. Why would I pay 50-70 % more through them. 
AS mentioned I called before trip was told I could do such after trip, if I was told NO the complaint would not have been made.
Consumer complaint received 2023-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (TX)

I am a natural person, I am a living being. I have rights under 15 USC 1681. 

XXXX is governed by 15 USC 1681, and they are NOT the original creditor of XXXX XXXX, this can not be so. XXXX XXXX has violated my rights numerous times by alleging that a debt of {$1400.00} USD is owed that has already been disputed and deleted from my credit report, this can not be so. 

XXXX has fraudulently double backed and reported a debt that has already been DISPUTED and DELETED from my credit report before, and it is now reappearing after such actions, this can not be so! 

I have not supplied proof under doctrine of estoppel by silence, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. 

I am hereby demanding that this derrogatory/invalid account be REMOVED from my credit report. According to 15 USC 1681 : I have the right to privacy and I did not give XXXX the right to furnish this account.
Consumer complaint received 2019-06-29
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (CA)

Navient has been harassing me with over 15 emails with in a 3 hour period/calls- I spoke with them and negotiated a interest rate repayment plan- they took over 300 $ from me on XXXX XXXX. This apparently will not be reflected on my account for over a 3 pay period which is exactly why they have a lawsuit. They have not reflected my account that I am current which is EFFECTING my CREDIT REPORT- I have spoke with a representative XXXX who Both Times- I have screen shots of the amount of emails and records myself of payments made and when and confirmations of getting account to up to date and I know Navient records there conversations as well- I have had this account t since XX/XX/XXXX, XXXX I have been harassed by student loans more then half my life- Im tired of this-
Consumer complaint received 2019-06-29
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: Experian Information Solutions Inc. (MO)

I'm about ready to file suit on the major credit reporting agency Experian, not sure which is worse having your identity stolen or the credit reporting agencies constantly reporting unverified accounts inwhich they are only doing electronic Verification inwhich is not physical documented proof of any sort. But at the same time reports these untruths. This has caused me so much stress and anxiety. All because I been a victim of the dark web due to identity theft. These fraudulent accounts has caused alot of pain and I'm Demanding the credit reporting agency Experian to BLOCK the following accounts from my credit file immediately. ( 1 ) XXXX XXXX XXXX {$1000.00}, and ( 2 ) XXXX XXXX XXXX, I have on many occasions requested physical documentation for these said accounts, I've also asked for the Method of investigation inwhich these investigations was conducted, who and when was they investigated, etc, any certified physical documentation. Not acknowledging this goes against my consumer rights, the FCRA and FTC laws. The embarrassment of not having my true credit worthiness is also causing me great harm and set backs. I'm demanding that the credit reporting agency Experian, block the following accounts. ( 1 ) XXXX XXXX XXXX {$1000.00}, ( 2 ) XXXX XXXX XXXX, 2 accounts inwhich has been reinserted all without physical documentation nor the 5 day warning. Therefore you shall block, delete and remove these accounts indefinitely.
Consumer complaint received 2019-06-29
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. (NY)

Upon checking XXXX XXXX last month I noticed that my score had gone down because XXXX card was reported as off my report. I disputed this information because my XXXX XXXX credit card should have not been removed off my credit reports. Today I received notice that my score dropped almost 42 points because my balance increased on the XXXX XXXX card to {$2000.00}. This is completely incorrect. The XXXX XXXX card does have an approx balance of a little over {$2000.00} the account is current and never paid late. I was told XXXX reported this. I am submitting this complaint because they took the card off my report then put it back but put it back as a new debt. This is messing up my score. The balance did NOT increase if anything it has been decreasing.
Consumer complaint received 2019-06-29
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. (CA)

XXXX XXXX and XXXX do not do real investigations. They will submit it and take the collection agencies side. I have done multiple disputes to even get actual account info and it seems all they have to do is see a name on a bill and take that for face value. I am sick of these agencies not doing real investigations into disputes. For instance one agency experian removed XXXX XXXX  XXXX XXXX  and the other ( XXXX XXXX and XXXX ) said it was valid within a couple days. No investigation happen this is destroying peoples lives.
Consumer complaint received 2019-06-29
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. (CA)

XXXX XXXX and Equifax do not do real investigations. They will submit it and take the collection agencies side. I have done multiple disputes to even get actual account info and it seems all they have to do is see a name on a bill and take that for face value. I am sick of these agencies not doing real investigations into disputes. For instance one agency XXXX removed XXXX XXXX XXXX XXXX and the other ( XXXX XXXX and Equifax ) said it was valid within a couple days. No investigation happen this is destroying peoples lives.
Consumer complaint received 2019-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION (NY)

I ( with a cosigner XXXX XXXX ) have an auto lease with Toyota. They claim my XX/XX/2019 payment was 30 days past due. I spoke with a manager over the phone we did a 3 party call with my bank to confirm. The manager agreed to remove 30 day late because of incorrect information. I have an excellent payment history, and this is unfairly hurting both mine and my cosigners score. I would do anything necessary to rectify this. I appreciate any help, thank you, XXXX
Consumer complaint received 2023-09-21
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc. (WA)

These two transactions was for my hair appointment, The {$55.00} was for the deposit and the {$110.00} was for the remaining balance. Today was my appointment and the lady gave me a false address and ended up blocking me on XXXX XXXX. She reached out to me in XXXX after I joined a XXXX group looking for a hairstylist located in XXXX nc. I was told to send the payments through cash app.