davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-03
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (NY)

Dear Chase Bank, To whom it may concern, Fax XXXX XXXXXXXX Referance XXXX XXXXXXXX On XX/XX/22 someone made a purchase from XXXX for a coffee maker in the amount of {$130.00}. On My account, my name is XXXX XXXX. We called the bank to verify that this was fraud. We called XXXX and XXXX told us : XXXX XXXX XXXX XXXX XXXX, XXXX Ny XXXX made this purchase. My wife never made this purchase at XXXX. We Live in XXXX Ny. 
We have filed a Police report with our Local Police Dept. 
We would like our Money of {$130.00} back in our account. This was fraud. Someone is not telling the truth in this matter so we will just go away. This is our hard earned money and we did not spend it. You Chase are our bank are supposed to help us in these matters. Please do a better investigation on this XXXX XXXX, so we can get our money back. Please get us proof that the product was delivered to our home in XXXX. From XXXX XXXXXXXX, XXXX, XXXX, etc, please get this information solid proof from XXXX. Someone has this shipping paperwork. Chase has not given us proof. 

Thank You, Sincerely, XXXX & XXXX XXXX XXXX XXXX XXXX XXXX Ny XXXX XXXX
Consumer complaint received 2020-09-15
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Tiffany & Bosco, P.A. (AZ)

XXXX XXXX, the servicing company made many errors XXXX XXXX, the investor had to be involved XXXX XXXX finally modified the loan under the direction of XXXX XXXX In the process of XXXX XXXX mistakes they hired Tiffany & Bosco Even though there's been federal mandates and the loan has been modified Tiffany & Bosco refuse to cancel the foreclosure The first modification payment has been made to XXXX XXXX
Consumer complaint received 2019-04-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I deposited a settlement check in Bank of America atm onXX/XX/2019 around XXXX Eastern time in the amount of {$9100.00}. My receipt printed with a entire hold on my check until XX/XX/2019 @ XXXX for funds availability. I read BOA check holding policy it says 2-3 business days. It shouldn't take 9 days for a check to clear. How can they estimate when my check gets cleared. It could clear in 3 days but I was advised I still wouldn't receive my funds until XX/XX/XXXX. I called customer service for Bank of America and no one could explain to me why they are holding my deposit for that long. I am extremely disappointed and I want answers.
Consumer complaint received 2019-04-05
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: DISCOVER BANK (CA)

Complaint Type : Customer Service Issues Description of Complaint : I made a transfer online from discover bank account from my XXXX XXXX account to go into my checking account. XX/XX/2019. The bank claims I got a credit, but then they reversed it out on XX/XX/2019. I spoke with 10 people made over 10 calls about this. In the last week i called three times at least and gave a manager and maybe two or three other people to assist me as well. I took up a lot of my time. The bank now says I owe the money because the XXXX XXXX put the money back in my account. It is beyond the point already when I gave a manager an additional time to help me as I had already spoken to them more than one time. I am now unable to call the bank about this matter and have already told them. I banked with the bank for almost 10 years I am at the point that I do not want to continue banking with them. The managers and bank told me, " It looks like this to me. '' That I didn't get the money because they gave me a credit. I let the bank know I would report them to XXXX and maybe go to small claims court because I had called more than enough times and was not getting assistance on my account. I am saddened to have to report this to XXXX but I feel very dissatisfied with the amount of calls and fully making them aware of the situation more than one time. 

( they reversed it out on XX/XX/2019 ) Had I known that I was not going to get assistance from XXXX XXXX on XXXX XXXX I would have asked for someone else to take the issue. 
As of today the issue is still unresolved so I am going to have to make a complaint somewhere else because I am not able to get the service I need when I have made major efforts to make time and call and communicate with the bank. The bank has accused me of stealing money and saying, " It looks that way to me, and I spent it. ", instead of listening to what I '' m saying and being willing to assist me.
Consumer complaint received 2019-04-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Paypal Holdings, Inc (CO)

Today we noticed a charge on our XXXX XXXX  XXXX checking account dated XX/XX/19 to Paypal Inst Xfer Web for {$24.00} with no further explanation. I have contacted Paypal where for an additional charge of {$42.00} they said they may be able to help!! 
We do not have a Paypal account and have refused all their efforts to open one. For online purchases we use XXXX and Visa only. 
How did Paypal get our check account number? 
This is a fraudulent charge which we have not authorized and dont even know what its for. 
Please help us reverse the charge and stop it happening again. 
Thanks, XXXX XXXX and XXXX XXXX
Consumer complaint received 2019-04-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Financial Accounts Service Team Inc. (TN)

Early XX/XX/2019 I received a collection letter from XXXX XXXX XXXX ( aka Financial Accounts Services Team ), located at XXXX XXXX XXXX, XXXX TN XXXX stating that I owe a debt of {$200.00} to them for a check that was written to XXXX. I disputed the debt and asked FAST to provide verification that this is a legit debt they are attempting to collect. This debt was paid in full to a previous collection company that had the debt prior to XXXX XXXX XXXX. 

I communicated with XXXX that the debt they are attempting to collect is not accurate and that it was previously paid to the collection agency that had the debt prior to them. They have have since placed this collection on my credit report. 

Please assist with getting this inaccurate collection removed from my credit report.
Consumer complaint received 2023-03-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: U.S. BANCORP (TX)

- US Bank representative called me, was rude, harassing, and threatened me. ( XXXX ) - XXXX from Social Media team called me. 
- Called me stupid, then threatened me with unspecified XXXX XXXXXXXX. 
- US Bank branch personnel were incredibly rude and nasty to me. ( XXXX ) - One lady refused to answer any of my questions. 
- Another lady butted in and started loudly and rudely talking at me. 
- That second lady ignored me altogether, chased me out of the bank, and accused me of yelling. 
- US Bank personal account fraud charges issue ( XXXX ) - I got a text about fraud charges, had to dig deep for ID for sender. 
- Checked my US Bank personal account, FOUR fraudulent charges. 
- Requested assistance via phone and in person several times, all refused. 
- Unknown deposit in business account ( XXXX ) - Unknown check deposit for {$100.00} XXXX XXXXXXXX - On XXXX, this transaction is not found at all. 
- Unable to reach a person via telephone for assistance - This issue has been going on for a long time. 
- The automated systems don't allow me to speak to a person- The automated systems say my information is invalid and hang up on me- The automated systems don't offer me an option for why I'm calling - Inability to utilize offered services - US Bank refuses to process my application for a personal or business credit card - They've said I need to unlock/unfreeze all three of my credit reports for 2-4 weeks, this is not acceptable to me.
Consumer complaint received 2022-09-16
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. (DE)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-09-16
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)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and deleted from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXXI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX CO XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX NC XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-09-16
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. (NC)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and deleted from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-04-05
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: WELLS FARGO & COMPANY (MN)

On XX/XX/2019 I tried to set up automatic payments with Wells Fargo XXXX XXXX to make timely payments and receive an interest rate reduction of .25 %. The primary route is to set this up online. When I click into " set up automatic payments '' I received the following error message : " ERROR You dont have any accounts that are eligible for this type of recurring payment in this view. To change your account view, go to Account Summary and make another selection from the drop-down menu. '' There are only two views to see " set up automatic payments ''. By clicking into  Account Summary and selecting : STUDENT LOAN ( the overall total loan balance ), or, by drilling down into a specific loan ( i.e STUDENT LOAN XXXX ). Regardless of the view, I was in, I was still running into the same error message. 

On XX/XX/XXXX, I spoke with multiple customer service representatives at Wells Fargo. I verified from the first customer service rep, that I was doing everything correctly, and they would then transfer me to someone who could set up automatic payments over the phone. Once transferred to a second customer service rep, and after explaining my situation, I was incorrectly transferred to the complaint department due to my frustration. I was then transferred back to a student loan customer service rep. This is now the 4th customer service rep I have spoken to. Again, I explained the situation. They apologized profusely as I was told they can not set up automatic payments over the phone and apologized that I'm not able to online. 

Consequently, I was told by the 4th customer service rep that I must manually fill out a form, that they would email to me, and fax it or take the form into a Wells Fargo branch and they would then fax it. I was told I can not email it back. 

It is XXXX and I am in my XXXX 's. I have never used fax, nor do I have readily available access to a fax. I'm not even sure where I could find one. This is an undue burden as Wells Fargo is making it unnecessarily difficult to set up automatic payments by which I would receive a .25 % interest rate loan reduction. 

I understand this is a small amount to a company like Wells Fargo ; however, over the lifetime of my large student loan, and others like me, this adds up to a significant amount of money.
Consumer complaint received 2019-04-05
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. (OH)

Setup " bill pay '' with XXXX, for mortgage held by XXXX Bank. Have regularly paid each and every month from the beginning, YEARS ago. Long ago, I had it set up for payment the XXXX of every month, due the 'guaranteed ' XXXX of each month. This year, like three out of four years, XXXX had 28 days ( Yeah! ). BUT this year XXXX hit me with huge penalty when they cashed payment on XX/XX/2019!!! They won't listen to reason, despite the same thing happening every prior year that had 28 days in XXXX, without a problem or a penalty.
Consumer complaint received 2021-04-14
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: EQUIFAX, INC. (PA)

I sent a dispute letter on XX/XX/2021 regarding inaccurate and unknown things reported on my credit file. Til this day over 90 days later I have not received a response. I feel like I am being taken advantage of and being ignored of my disputes. Section 611 A plainly states that a failure to investigate these items within 30 days will result in immediately removal of those items from my credit report. It has been over 90 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for ligation due to stress you have cause me. In addition to this my information was impacted by the Equifax data breach and may have got into the wrong hands.
Consumer complaint received 2019-04-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (GA)

I do not owe this company bor do I owe XXXX XXXX. I tried to explain that and it was ignored. I have no dealing with this collection company and the final payment was made to XXXX   when policy ended
Consumer complaint received 2016-10-17
Product: Debt collection — Payday loan
Issue: Communication tactics — Threatened to take legal action
Company: Ad Astra Recovery Services Inc (TX)

Ad Astra recovery services handles XXXX XXXX loans, that I have a loan with. A XXXX XXXX with Ad Astra recovery services, left a voice mail on my cell phone, stating his name, not his company and he stated " I have been served '' After he contacted me he called my place of employment, XXXX XXXX XXXX, and wanted to speak with my supervisor, my supervisor was not available so he spoke with another supervisor but not mine. XXXX XXXX told this supervisor, not any company he was with, but stated I have a package to deliver to XXXX XXXX. This supervisor with my place of employment, contacted security about this, because, they thought this might be a case of XXXX against me or the XXXX.
Consumer complaint received 2019-04-05
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — High-pressure sales tactics
Company: AMERICAN HONDA FINANCE CORP (VA)

I was told through oral communication that in order to get a loan for a lease on the new vehicle, I would have to share the detail to the car dealer. And that it would be only a soft pull on my account and not a hard inquiry. 

They gave me a form and I was asked to fill the details, which I had to provide to them, hoping that it would be only a soft inquiry. The sales representative I dealt with was by the name XXXX. 

After getting my ssn and other details, they made me wait for hours together, telling me that they were trying to get me a loan approval for the lease. And I didn't know what happened in the background and I was made to wait for hours. And finally I left since there was no response from them. They didn't provide me any details or ask my permission for trying with more than one vendor, they simply used my details to play around and I had to sit there and wait on the premise that something was delaying for a simple soft pull on my account. I was misused for their business strategy and they wanted to run through my details to all lenders. I figured out this only after looking at my credit karma report, showing multiple hard impacts. 

When I checked my XXXX XXXX account for XXXX, i realized that there were two hard inquires on the same day XXXX the XXXX. Which I never authorized. I was mislead in saying that it is supposed to be a soft pull and got exploited of the business tactics. I would have never gone in for a hard inquiry if I had known, because I already knew that it wouldn't have been a right thing to do. 

Kindly do the needfull. I feel very bad for being exploited.
Consumer complaint received 2023-01-18
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. (GA)

XXXX XXXX reported me 30 and 60 days incorrectly. I called and made an arrangement below XX/XX/XXXX to keep my account from being 30 days late. The representative offered me a payment plan and stated as long as I agreed to the payment plan that I would not be reported to the credit bureau as late. I received a 30 & 60 day late. I specifically asked if I would be reported late. I contacted XXXX and was told there is nothing that can be done. I am requesting the 30 day and 60 day late be removed from my credit report. I clearly contact XXXX XXXX and agreed to an arrangement to avoid and credit reporting. Their agent advised me I would not be reported. I was reported late for XXXX and XXXX which is inaccurate. My due date is on XX/XX/XXXX and I called XX/XX/XXXX to make sure I was not late.
Consumer complaint received 2019-04-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Stearns Ventures, LLC (NV)

My mortgage was recently transferred to XXXX from Sterns/XXXX. My loan was paid off in full on XX/XX/19 by wire from escrow as I had sold the house. Sterns/XXXX did not apply the payoff amount the day they received it. They instead held the money and then on XX/XX/19 took another payment from my checking account. Then on XX/XX/19 they transferred servicing to XXXX WITHOUT applying the monies they had received that were sufficient to payoff the loan as of XX/XX/19. XXXX then applied the funds on XX/XX/19 and my extra payment is now some how missing as they say I am only getting {$35.00} back after applying all of the funds. First of all the loan should not have been transferred. Second this transaction vioaltes RESPA by not applying the payoff on the date it was received XX/XX/19. Third Sterns illegally kept monies for a payoff they did not process. Fourth XXXX can not apply funds received on XX/XX/19 and XX/XX/19 on XX/XX/19.
Consumer complaint received 2019-04-05
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: FIRST NATIONAL BANK OF OMAHA (TX)

Have been receiving repeated calls from First National Bank of Omaha, purportedly about an " XXXX Store Card '', which I do not have. I paid this account off in full years ago and cancelled the account, so I can not fathom what I might possibly owe them, or even why. This collection company repeatedly calls my work number -- two and three times a day, sometimes more. I have had to put my phone on silent because it disrupts my coworkers. When I checked the voicemail messages this company had left, I was astounded : 77 messages in about the period of two months. The number that the call came from is XXXX. I have no idea what this is about, but I want the calls to stop until I get this sorted out with the retailer.
Consumer complaint received 2024-03-22
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: AMERICAN EXPRESS COMPANY (CA)

On XX/XX/2024, I reported to American Express Savings that a substantial amount of money was missing from my savings account. After 5 hours of discussion and answering many questions, I was told they would begin a fraud investigation into allowing unauthorized debits to my account.
Consumer complaint received 2019-08-04
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC (TX)

Jefferson Capital Systems is re-aging an old debt from XXXX XXXX in the amount of {$3300.00}. They are reporting that this account was opened in 2018 and is not true. I have disputed with all three credit bureaus to only be told the account is " verified ''. I have not received a signed contract nor any verification to support that this information is correct. The practice of re-aging an account is illegal and needs to be deleted from all three credit bureaus immediately. I have sent via certified mail a debt validation letter and have not received response.