davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (MT)

I had {$100.00} in $ XXXX that I tried to deposit at a Wells Fargo ATM on XXXX XXXX in XXXX yesterday, XX/XX/XXXX. I accessed my account, selected deposit cash and entered XXXX {$20.00} bills ( I've deposited cash in the past here ). But this time, the ATM screen went yellow, and after many seconds, it started spitting my {$20.00} bills back out. At first, I got XXXX of them back, then after about XXXX seconds I got a XXXX bill back. BUT, I never got my fifth {$20.00} bill. The screen was yellow with an orange exclamation mark, then it just started over for a new customer transaction. I deposited {$100.00}, I got back {$80.00}, with no receipt and no way to prove I had lost the {$20.00} ( other than I guess a camera? ). 

So, I went into the bank next to where the ATM is located and told them the situation. The XXXX was too busy to assist, so the teller simply asked me if I'd like to deposit the remaining {$80.00} balance with her ( which I did ), and the she took a few details on a yellow sticky note about the {$20.00} their ATM had eaten. No one ever apologized for or acknowledged the situation... I was just simply out the {$20.00} and they " would get back to me as soon as they could, or I should just call the XXXX number on the back of my debit card... maybe that would be faster. '' So, I called the XXXX number, went through a couple different people trying to get a claim submitted, which was a terrible experience as it usually is ( I was told the first agent 's effort apparently didn't work, so my second claim is what's in the system ). 

My issue is, I needed the full {$100.00} cash deposit yesterday to pay a bill that's due... but I wasn't going to get my {$20.00} ( maybe? ) until XXXX working days from now. Wells Fargo decided they should keep it until is was resolved... the multi-billion dollar company, as they always do, put money over people and fair customer service. 

I still don't have my {$20.00} back, I've never been called by the Wells Fargo XXXX to discuss it, and I had to borrow {$20.00} from my brother to pay my bill. This kind of customer treatment is unacceptable to me. I've been a Wells Fargo customer for decades, but you'd never know it. 

I just hope you, or someone, can help me get my {$20.00} back ... I get it, it's just {$20.00}, but what if this happens to people who seriously can't afford to lose money ( even {$20.00} bucks ) at a malfunctioning ATM? The bank should have apologized and immediately credited me the {$20.00} while it was under investigation, not the other way around.
Consumer complaint received 2024-04-01
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A. (WA)

For no reason at all after using my card 2 times it was declined.i called and had to undergo about 7 different security measures along with my secret word which all were correct i gave my phone number which is in my name gave my work number which they called and validated said it would work only to later on say oops i guess it wont work, i gave my other credit card numbers and bank account numbers only to be told i have to wait a week for some mail to come. this is rediculous and i think they do this just so your niot able to claim the bonus.
Consumer complaint received 2022-08-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NJ)

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

XXXX is governed by 15 USC 1681 and they violated my rights numerous times. I demand the accounts listed below be removed because According to 15 USC 1681 : I have the right to privacy and did not give XXXX written permission to furnish these accounts XXXX XXXX  account number XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX  Account Number XXXX
Consumer complaint received 2023-09-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Bank of America closed my account and reversed all my fraudulent claims. Did that and didnt tell me why or give me a chance to remove my funds. I have over {$500.00} that is owed to me and I need to contact XXXX to help assist with these claims.
Consumer complaint received 2019-01-18
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. (GA)

I have inquiries on my XXXX and Experian credit report that I'm not familiar with and did not consent to, here is a list of the unauthorized inquiries : XXXX XXXX XXXX/ XX/XX/XXXX and XX/XX/XXXX, XXXX XXXX XXXX/XX/XX/XXXX, XXXX XXXX XXXX/ XX/XX/XXXX , XX/XX/XXXX, XXXX XXXX/ XX/XX/XXXX and XX/XX/XXXX. XXXX XXXX XX/XX/XXXX, XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX/XXXX XXXX XXXX XX/XX/XXXX, XXXX/XXXX XXXX   XX/XX/XXXX, XXXX XXXX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX. XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2022-12-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (IL)

On XX/XX/2022, I went to the bank to deposit {$300.00} in the ATM. Bank : XXXX at XXXX and XXXX in XXXX : XXXX XXXX XXXX XXXX, XXXX, IL XXXX Only {$100.00} was accepted in ATM. So I proceeded to the teller to deposit the remaining {$200.00}. These were 2 older {$100.00} bills that my parents gave me as a gift. 
At the teller, two Chase employees stood behind the counter to help me. As I gave them the money, they told me to press the green button saying I am depositing the money. Trusting the bank, I pressed the green button without reading the prompt and I left the bank without checking the receipt. Fast forward a few weeks and I notice in my bank account, that the money I deposited was counted as a withdrawal. So not only did the {$200.00} I gave them not get deposited, but they also took away {$200.00} as if I withdrew that money. Hence a delta of {$400.00}. I rushed to the bank and asked them to investigate and they took their time : weeks of saying we are looking into this but there is no case or claim number or phone number to ask. I would call, email and visit the branch on a weekly basis and not hear any updates. The corporates chase claim 's investigation phone number they gave me 15 days after picked up once to ask me when I logged the claim and I never heard back from them even after numerous tries to call them over many weeks. Then the branch calls and say they reviewed the claim and I am wrong. I suspect they didn't review it and just want me to give up. Also when I tried calling corporate 's chase or the claim number either no one picked up or they told me to call the branch. I tried reaching out to chase by XXXX messenger and they tell me someone will reach out immediately but no one ever does. 
I go to the bank and ask for the recording, they say they need a police report. I get them one the next day and then 2 weeks later they say they need a subpoena from the police. I call the police and speak with numerous detectives and they say chase is just trying to put this under the rug and delay the process until I give up and that sadly the police isn't allowed to subpoena this and I should contact the CFPB. 
So please help me get my money back. I know I am right and the bank is covering this up or reviewed the wrong recording. I didn't leave the bank with {$200.00}. I walked with {$300.00} and left with {$0.00} but only {$100.00} was counted as deposit and {$200.00} was mistakenly counted as withdrawal Here is the chase claim number : XXXX XXXX Here is the police report number : XXXX XXXX XXXX
Consumer complaint received 2022-10-26
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. (VA)

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 2022-12-16
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. (NJ)

Their are several incorrect items on my credit file between XXXX XXXX XX/XX/2022 several letters were submitted to Experian and XXXX and directly to the creditors to avail it has been over 30 days and I would like to know why the items are not being remvoved?
Consumer complaint received 2019-05-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (CA)

I just opened a Wells fargo complaint XXXX few days ago and the company just closed it stating that the promotion code was not added at the time of opening the account which is nothing but just utter non sense. At the time of opening the Business checking Account I made it sure that the Bank Employee enters the Promotion code and it was a XXXX guy, I also called the customer care and they agreed that the promotion code has been entered and it is just the matter of 60 days and then I will get my Bonus. This is non sense. What kind of bank it is?
Consumer complaint received 2019-11-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (TX)

On XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, 32 charges totaling {$1400.00} were made at XXXX XXXX ; a merchant I have never transacted with before. Citi called me around XX/XX/XXXX to see if these were transactions I authorized. I confirmed they were not my charges and they closed the account for fraud and reissued me a new card and said they would remove the charges. 

In XXXX after hearing from a friend who had an issue with double charges on her Citi account, I went back and did an audit of my account. I found that they had only done a reversal on 18 of the 32 charges - leaving 14 charges totaling {$300.00} on my account. 

I contacted Citi to dispute these charges which was done. The following is where I am with those 14 disputes : -4 charges of {$140.00} received affidavit returned to the company ( assume resolved ) -6 charges of {$76.00} no affidavit received, not reversed back to my account ( pending? ) -4 charges of {$79.00} no affidavit received, reversed back to my account ( fraud that was incorrectly credited to my account ). 

I have contacted Citi several times, even spoke to a manager out of South Dakota after not receiving any resolution from the associate in the disputes department. The manager assured me the incorrect reversal would be credited to my account the following month ( XXXX ), which did not happen. 

After contacting Citi over 5 times and spending hours on the phone and offline with Excel spreadsheets and reading billing statements, I believe this needs to be escalated with the CFPB. They advertise zero fraud liability, yet I am being charged for fraud and spending hours of my time resolving the issue. The ownness is on Citi, not the customer.
Consumer complaint received 2022-10-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

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 2019-05-05
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: FactorTrust, Inc. (TX)

THE 3 BUREAUS AT IT AGAIN putting their names on other company hiding as another company so they don't have to honor the opt out b/c of ID theft of Ftc violation s
Consumer complaint received 2016-06-14
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC. (NJ)

The website set up by the XXXX major credit agencies ( XXXX ) no longer provides any reports online. Equifax and XXXX directs the user to write for the free report and requires a long list of documents in order to fulfill the request. XXXX 's site just stalls for hours until user finally gives up. As soon as the session was over, Equifax sent me an email advertising their pay services. It is clear they are trying to circumvent the federal law requiring them to provide free credit reports.
Consumer complaint received 2023-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

My student loans were forgiven under the XXXX plans on XX/XX/XXXX. The balance was reduced to zero and status was paid in full. This showed on their website and on a Mortgage Verification letter. I waited the normal cadence for XXXX, which according to the historical reporting was the final day of the month. No updates were made. I disputed with all 3 major bureaus and even after an investigation by XXXX, they still claim my balance is over $ XXXX and not closed as paid in full, in spite of I formation o t heir website and on the mortgage verification letter for potential lenders.
Consumer complaint received 2017-08-18
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (NH)

I was struggling to pay my student loans with Navient. I paid two payments to Navient with one being {$260.00} a month. I applied for some different repayment plans through Navient onXX/XX/XXXX I received a quote for a much lower payment plan and put in an application. On XX/XX/XXXX I got a bill for {$360.00} a month. I never signed anything agreeing to a new cost nor did I confirm I wanted that new monthly payment. Navient was incredibly vague and purposefully confusing on the phone. Navient said that the quote I received online is just an estimate and actual payments would vary. I asked why I was n't able to approve this change before they asked for higher monthly payments and never received a direct answer. I am baffled at the fact that I put in an application to lower my payments and they raised my payment without permission. had to spend a month trying to get my monthly payment back down closer to what it was. I got it down to {$280.00} a month and had to accept that was the best I was going to get.
I also received a correspondence saying : Unpaid principal balance {$40000.00} Unpaid interest to be added to the principal {$0.00} Estimated interest over the life of the loan {$44000.00} Estimated total loan amount {$85000.00} The fact that I will end up paying twice the amount of my loans by the time I finish my payment schedule is appalling, and I have two batches of loans with Navient.
I have been on forbearance several times but was never told about income-driven plans. I have missed important updates such as late fees and missed payments from previous ordeal due to Navient 's vague wording during communication and voicemails. These struggles are just the beginning of the issues I have had with Navient.
I still struggle to pay my student loans and now i 'm afraid to try to lower my bill again due to the sneaky way they raised my bill. Since then I have defaulted on my loans and we had to take out a home equity loan to pay our student loans. We hope to pursue legal action against Navient.
Consumer complaint received 2023-07-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Home Point Financial Corporation (GA)

I went through a modification and at the end of the modification they miss placed a payment, and now is asking for me to repay that payment I've already paid. I've filed a lawsuit with the XXXX XXXX XXXX XXXX XXXX. I was able to speak with the attorney but not able to come to a resolution. I have a confirmation number as to when I paid the bill over the phone.
Consumer complaint received 2023-06-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with fraud alerts or security freezes — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

I moved to the USA and I started to work in USA on XX/XX/XXXX. 
I have been trying to build my credit history for 9 months. I downloaded this app " XXXX XXXX ''. This app. shows that " I had a credit card on XX/XX/XXXX from Bank of America which I did not even apply for it. I came to the USA in XXXX and XXXX several times and stayed at the hotels, I rent a car but did not apply for a credit card. Somebody opened a credit card and used it for {$9200.00} ( this amount on the XXXX XXXX report ) then closed the card. I went to Bank of America branch in XXXX XXXX XXXX, XXXX MD. The agency told me to call this number " XXXX XXXX XXXX ". The agency and the lady on the phone talked and they found out there is this credit card opened behalf on my name and they told me that when I was working for XXXX XXXX I had applied for a credit card with the Bank of America. 

I went to the University in XXXX ( XXXX ) when I graduated I went back home XXXX. 
I came to the USA so many times as a tourist but never worked in anywhere. 
I never worked in XXXX of XXXX. ( I just got my working visa on XX/XX/XXXX from XXXX XXXX in XXXX ) I was living inXXXX ( XXXX I can prove it with my passport or I-94 ) I moved to the USA on XX/XX/XXXX with my family. 

I need your help to fix this.
Consumer complaint received 2023-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My student loans were forgiven under the XXXX plans on XX/XX/XXXX. The balance was reduced to zero and status was paid in full. This showed on their website and on a Mortgage Verification letter. I waited the normal cadence for XXXX, which according to the historical reporting was the final day of the month. No updates were made. I disputed with all XXXX major bureaus and even after an investigation by XXXX, they still claim my balance is over $ XXXX and not closed as paid in full, in spite of I formation o t heir website and on the mortgage verification letter for potential lenders.
Consumer complaint received 2022-12-16
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2017-08-18
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: PDQ Services, Inc. (FL)

PDQ Services responded a day ago and said that the social matches the account but it 's not an account I opened nor I am aware of. I did n't not apply for any credit and I do n't know what PDQ is. I asked PDQ Services to send any documents pertaining my signature because I wanted to see. 1. First of all they failed to send me any documents but they verbally verified the account. 2. You ca n't verbally verify any accounts without any paper work. 3. The account is fraudulent. 4. I feel that PDQ is discriminating me by forcing the account on me. 5. Someone used my social security number to open up this account.
5. I am demanding a reinvestigation or need any documents or paper trail with my signature on it. If you do n't respond back with any documents with my signature not a bill. You must remove this account and for any reason this account is n't removed under any circumstances, I will file a law suit immediately against PDQ Services for discrimination, damages you 've cause to my credit. Falsely accusing me with someone else with the same name XXXX XXXX. 6. XXXX, XXXX must remove this account immediately or else I will file a civil law suit against them as well for engaging in a false verble agreement to verify a fradulent account, and all the above numbers. This is very disappointing and I feel that this is discrimination.
Consumer complaint received 2017-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Regarding account : XXXX XXXX XXXX account number XXXX***. I no longer have a contract with this company. This account is closed and was sold to a collection agency, then written off on the creditors taxes which voids my responsibility to pay further.
If it will be determined that I do have a contract with such creditor, I am requesting under FCRA 611 ( a ) ( 5 ) ( B ), which state it is my right as a consumer to ask for a copy of all information obtain by the reporting agency that warranted the placement of this account to be legal, documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed on the report, that justifies the reporting of this account after it has been closed, paid and sold to a 3rd party collector.