davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-11-10
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: WELLS FARGO & COMPANY (LA)

On XXXX/XXXX/2015, Dillards/Wells Fargo Bank opened an unauthorized and fraudulent credit account in XXXX XXXX, XXXX in my name and, without verifying the accuracy of any information provided on that application, such as phone number, thus allowing {$2000.00} in merchandise to be charged. I discovered this upon receiving the card in XXXX, my home, on XXXX/XXXX/2015. In trying to work with Wells Fargo Bank to get all the information available on how this happened, find the perpetrator, clear my credit and protect myself, I was treated as the criminal not the victim. I was given no help, no curtesy, no explanations and no satisfaction that my welfare was of any interest. All I was told was that it would take from XXXX days to investigate. I have been forced to take numerous expensive steps to protect myself from the jeopardy that Wells Fargo Bank created because of their inadequate procedures to carefully establish identity before opening credit accounts.
Consumer complaint received 2022-01-25
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Morgan & Associates, P.C. (OK)

Morgan and Associates on behalf of XXXX has garnished my wages for {$800.00} a month for a debt belonging to both me and my soon to be ex wife, XXXX XXXX. The entire amount is being taken from my bank account monthly and with new deductions will exceed the federal legal limit for garnishment of income. Morgan and Associates is committing a crime by taking {$800.00} per month from my account alone when my wife works in the same XXXX XXXX, XXXX XXXX XXXX XXXX, and owes exactly half of the {$7500.00} judgement. My finances have been destroyed as a XXXX XXXX XXXXr in Oklahoma. I can not afford giving almost 30 % of my pay to a debt not owed only by me! This needs to be rectified promptly and action against Morgan and Associates should be taken for their criminal behavior.
Consumer complaint received 2022-01-25
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: U.S. BANCORP (TX)

I am a former Employee of US Bancorp ( US Bank ). I am concerned homeowners specifically in Texas are being unfairly targeted on the refinance of their homes by US Bank requiring every Texas homeowner to pay for a full appraisal. XXXX XXXX and XXXX XXXX allow appraisal waivers as long as a property/ loan meets certain criteria. On several occasions I witnessed borrowers having to get a full appraisal when one was not required per XXXX and or XXXX. At this point in the refinance process borrowers have already paid upfront fees including US Banks processing fee and credit report fees. These appraisals are costly sometimes in excess of {$600.00}. When I simply asked why appraisal waivers were not granted to homeowners in Texas there was no clear answer, only a vague response that US Banks system " would not allow it. '' Borrowers are not told upfront that their loan will require a full appraisal even if an appraisal waiver is granted by XXXX or XXXX. I do not feel this is a fair practice given that the borrower is unaware of this requirement and is unable to make an informed decision. It is also concerning that appraisal waivers are granted in every other state with US Bank but if you are in Texas you will not be given this cost saving option.
Consumer complaint received 2021-08-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (MN)

I have been trying to remove inquiries i did not do or authorize in my name and have collections removed that are negatively effecting my credit but paid off and closed. I have been disputing to all three credit companies since XXXX and keep getting the same result and nothing fixed
Consumer complaint received 2022-01-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (PA)

This case involves alleged debt i Received a letter from RESURGENT stating I owe XXXX. I requested RESURGENT show me the legal right they have to collect. I would like to see a contract documentary evidence stating this is my debt. With my signature and validation I would also like to know who gave RESURGENT my address and jurisdiction on this alleged debt. I am also requesting certified copies of signature contract between RESURGENT and XXXX XXXX, ( me ) if this information is not complete and provided this information should be closed zeroed out and updated in good standing. 

RESURGENT violated my consumer rights by stated I owed debt the law below states Im not responsible for alleged debt. I provided exhibits stated I owed nothing validating this debt. 

I dispute this alleged debt and all claims in accordance of 16 CFR 433.2 title 15 USC 1692, Regilatikns Z Regulations M and ALL applicable UCC Articles. 

Tracking number XXXX
Consumer complaint received 2022-01-25
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Conduent Incorporated (MO)

On XXXX 2021 california child support loaded XXXX onto my card, my ex does not make regular payments so i never know if hes sent money or not. On XXXX XXXX, I was cleaning out old wallet and came across my XXXX and decided to call it to see if there was any money on it, it XXXX told me about a deposit of XXXX made to card on XXXX and there was only XXXX left on my card as of XXXX. when i tried to call customer service to dispute fraud charges and cancel card i was put on hold for over an hour at which time my card was down to XXXX every time ive called customer service i talk to someone new, one person told me to make a police report, which I did, another person i talked to because over a month had gone by and i hadnt recieved the fraudulant paperwork i needed to fill out and send back never came so i was told to make out my fraud report by hand and that it would speed up process, well agian i got no notice, i finally called customer service again only to be told they denied my claim not once but twice for conflicting info?? and the case was closed and theyre sorry nothing they can do about it. everytime i call and try to talk to supervisor im put on hold for well over an hour, they tell me there is no superviser on shift that they will have someone call me in 24-48 hours which no one does!! i know its only XXXX but that is alot of money to me and cant afford to just kiss it away! please help!!
Consumer complaint received 2022-01-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc. (DC)

Aidvantage is my new loan servicer. They sent me a notice dated XX/XX/2022 saying that I have {$120.00} and that it will be debited on XX/XX/2022. This is inconsistent with the current federal pause on student loan payments -- they seem to be planning to charge me a student loan payment despite those loans not currently accruing interest. This seems predatory and they should be investigated.
Consumer complaint received 2022-04-10
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (NY)

I was scammed with XXXX  {$900.00} and my bank not XXXX  want to be responsible for this they just tell me their is nothing they can do and its to bad horribke experience so Im supposed to get robbed and not be reimbursed by my bank which XXXX said they can take repaibookity this is the first time as a final bank courtesy and reimburse refund my account the {$900.00} but they chose not to and tell me no
Consumer complaint received 2021-05-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (AR)

comenity bank is reporting to the credit bureau that my accounts are charged off. they sold all of my accounts with them to an collection agency that i then paid off completely these accounts should be removed from my credit report i have disputed them several times and the information just gets updated and nothing changes
Consumer complaint received 2022-01-25
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Professional Finance Company, Inc. (NC)

I owed {$150.00} to XXXX XXXX for a medical service, which I paid directly using my health flexible spending account. If you contact their accounting office, they will confirm receipt of payment, but I'm also attaching what they sent me as proof of their own ledger system. 

Somehow the debt went to a collection company named Professional Finance Company ( PFC ), po box XXXX XXXX XXXX XXXX. Telephone number XXXX. I did not receive a notice / bill from the company but learned of the issue via a derogatory entry on my XXXX credit report. 

I have tried multiple times to contact Professional Finance company directly via phone ( leaving voice messages ) and I tried to dispute via XXXX, both to no avail. None of my calls have been returned. And XXXX has been experiencing a technology issue for the past few weeks which prohibits me from uploading supporting evidence. Without the evidence, XXXX can't proceed with investigating the dispute. 

I have spent countless hours on the phone, writing emails and working on XXXX 's website that isn't functional. I'm hoping this agency can help me get remediation and remove the item from my credit report.
Consumer complaint received 2022-01-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

There are inaccuracies on my credit report and I have contacted each credit bureau to report this information. I was informed that the information would be updated within 48-72 hours. There has been nothing updated and I am not sure what is going on. This has to be fixed.
Consumer complaint received 2022-04-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (LA)

I, XXXX XXXX, a consumer, am submitting this complaint against Equifax and there is no third party involved. Equifax has my personal information inaccurate and incorrect on my consumer report, which is causing great stress. MY NAME IS XXXX XXXX. I do not have any other names or aliases, and I do not wish to disclose any other names or aliases. Unless Equifax can produce or present to me legally authorized evidence to retain much less report these names, I DEMAND THAT EQUIFAX DELETE THEM FROM MY CONSUMER REPORT. Otherwise, you are infringing on my consumer rights. MY CURRENT ADDRESS IS XXXX XXXX XXXX XXXX XXXX, XXXX, LA, XXXX. I currently have NO OTHER ADDRESS and I do not wish to disclose ANY OTHER ADDRESSES. Therefore, If you are reporting ANY OTHER ADDRESSES I DEMAND THAT YOU DELETE THEM FROM MY CONSUMER REPORT. EQUIFAX has no legal authority to retain these inaccurate addresses on my report, especially without my written consent. IF APPLICABLE ALL OF THE PHONE NUMBERS LISTED ARE INACCURATE AND I DO NOT WISH TO PROVIDE ANY TELEPHONE NUMBERS. I do NOT wish to disclose ANY EMPLOYERS, unless you can produce or present to me legally authorized and verifiable evidence to retain much less report these employers. I DEMAND THAT YOU DELETE THEM FROM MY CONSUMER CREDIT REPORT. The name on my UTILITY STATEMENT is how my name should be spelled. The address on the enclosed utility statement is my ONLY ADDRESS. Included are exhibits to evidence the correct spelling of my name and correct address ( UTILITY STATEMENT ). I DEMAND EQUIFAX TO CORRECT THIS INACCURATE INFORMATION WITHIN THREE ( 3 ) BUSINESS DAYS BECAUSE THIS IS CAUSING ME PROBLEMS OBTAINING HOUSEHOLD GOODS, A PLACE OF RESIDENCE, TRANSPORTATION, AND STABILITY. EQUIFAX is now liable for damages of XXXX XXXX/violation for Civil Liability for willful noncompliance, which EQUIFAX has failed to comply. This also includes any actual damages.
Consumer complaint received 2017-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (NJ)

In XXXX of XXXX I paid off my balance for my new Banana Republic credit card. They did not inform me that there was as additional fee and left me with a negative balance after I specified to pay off my entire balance. A few months passed and I received a letter that I have been reported to the credit bureau for a negative balance on my account, I contacted Banana Republic and resolved the matter where they wound up apologizing, received a credit on my balance ( this was a first ), and then received check for the miscalculation of my balance. My credit score dropped in the meantime while they had to fix this error on their end, they also advised that they were not able to send a letter or do anything to remove the report to the credit bureau. Banana Republic also closed my credit card without notice.
Consumer complaint received 2022-01-25
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Transunion ignored my direct complaint. In XXXX, XXXX XXXX XXXX was removed from my credit report, only to be reinserted a few months later without my knowledge. The credit reporting agency must notify me in writing of the reinsertion within 5 days based on the requirements of the FCRA. This notification did not occur. I have repeatedly requested proof of the recently validated debt and reinsertion of the debt on multiple direct disputes sent certified mail to Transunion to reference a few from last year and early this year XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX without success. Despite my repeated requests, they have failed to provide me with a copy of any documentation submitted by XXXX XXXX XXXX substantiating their claims. Transunion has not complied with my request for their method of validation, which again is a violation of the FCRA. This item needs to be deleted immediately, Transunion has not acted in good faith for over a year of disputes on this creditor and never provided validation proof nor was the FCRA guidelines followed. This has impacted my score and credibility with creditors, my ability to receive approvals as well as good interest rates were impacted. This also resulted in account closures do to random soft credit pulls, as creditor did not see me liable to continue as a customer. This needs to be deleted immediately!
Consumer complaint received 2022-01-25
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: JPMORGAN CHASE & CO. (TX)

I am disputing the validity of this alleged debt. I am requesting you verify who the original creditor is of this consumer credit transaction. Verify this alleged debt, provide me the consumer with the name and address of the original creditor. Chase auto finance shall cease collection of the debt, or any disputed portion therefore, until the debt collector obtains verification of a debt or a copy of a judgment, or the name and address of the original creditor in a copy of such verification or judgment, or name and address of the original creditor is mailed to the consumer by the debt collector.
Consumer complaint received 2021-05-13
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BAM Management US Holdings Inc. (FL)

I started my Binance.US account a couple months ago and tried to fund my account with ACH transfer. Your ACH transfer were glitching and the money went into my Binance.US account but never charged my bank. A week later my account is locked due to chargeback so I instantly Wire transfer way more money then I owed. For some reason you accept my money but wont let me take it out. Yall have my entire life savings locked up and havent responded to any tickets at all. Crypto is crashing and I cant do a thing about it. Sounds highly illegal. # XXXX is my LATEST ticket number. I can't come to terms with how you can keep someones hard earned money locked for months with no response as to why and just letting peoples accounts burn to the ground
Consumer complaint received 2021-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (MO)

On XX/XX/XXXX of 2020, I contacted Chase Credit Card Services to pay off my credit card and close my account. After 9 years of on time payments, I asked if they could take some of the interest off that I had incurred the previous month. The company offered to take {$600.00} off the total amount and remove the debt from my credit score. I payed the new amount owed and closed my account, happy with the customer service I had received. 

Approximately 14 months later, it has come to my attention that Chase did not actually take {$600.00} off in interest for customer satisfaction but instead reported the account as " settled without paying in full ''. This caused my credit score to drop by 80 points and is unable to recover for 6 years. 

Furthermore, upon contacting the company they advised there was nothing that could be done due to me agreeing to a " settlement ''. I asked if I was provided anything in writing or verbally about the ramifications of settling, and they stated it is not there responsibility to inform customers that a settlement would be reported negatively on a credit score. 

I have attempted to pay back the {$600.00}, I thought was a courtesy, in order for them to report the account as being paid in full, but they are refusing.
Consumer complaint received 2021-05-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

XXXX, TransUnion, & XXXX will not mail me a file disclosure of my credit report. After forwarding certified letters over the past several months, I am being rejected to view my report.
Consumer complaint received 2022-04-08
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (FL)

Back on XXXX I placed a furniture order on amazon.com website using my synchrony bank/amazon store credit card. The merchandise was a upposed to arrive no later than XXXX. I made complaint to amazon.com as well as such r ony bank abt nonreceipt of furniture. Amazon put me in touch with furniture company but they never followed up with me. I put a complaint with amazon customer service and they said fed ex delivered to my garage. I have no garage. I made payment towards my synchrony card for XXXX. I am on a deferred payment plan for 12 months to pay full amt of XXXX. Synchrony bank still has my account under investigation since XX/XX/2021 and at this point I just want a refund.
Consumer complaint received 2021-05-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (NC)

XXXX XXXX, & Equifax will not mail me a file disclosure of my credit report. After forwarding certified letters over the past several months, I am being rejected to view my report.
Consumer complaint received 2022-01-24
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Account status incorrect
Company: ENOVA INTERNATIONAL, INC. (WI)

Thank you for taking the time to read this. Upon review of my XXXX, XXXX and XXXX credit files I noted XXXX payments that are reported as late. I have disputed the late payments already XXXX times and I am sincerely hoping someone there can take a closer look at my file. The payments were, in fact, missed, but prior to me missing the payments, I called every month I was unable to pay and was unable to get through to your company ( XX/XX/2020, XX/XX/2020 and XX/XX/2020 ). I was affected by XXXX and tried to get a deferment and couldn't get through and therefore accounts ended up being late. I am hoping you can make the necessary adjustment under the CARES Act.
Consumer complaint received 2019-08-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

On XX/XX/XXXX upon receiving my bill in the mail I noticed the {$2500.00} payment had been applied to purchases instead of an expiring 0 % offer that was expiring and about to jump to over 25 %. I called and was assured the change would be made to apply the {$2500.00} payment to the remaining balance that was going to jump from 0 % to over 25 %. The rep explained they would refund me the $ $ and that I would turn around and pay it back so as to apply the payment to the balance amount I meant it to be applied to and not the purchases. Because apparently when I made the payment the payment was applied to the highest interest rate and not the 0 % interest balance that was to expire. But Bank of America just reneged on the phone conversation because I just receive a letter that they are unable to return the {$2300.00} because the original payment your are requesting was made more than one monthly billing statement ago. This is unacceptable. We had an agreement and now I have to carry a balance of over {$2000.00} with an interest over 25 % because I did the responsible thing and paid off the balance offer before the 0 % expired?!