davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-12-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: Neon Newco Corporation (VA)

On XX/XX/18,XXXX NetSpend service rep . Blocked monies on card XXXX, I reported unauthorized charges XXXX from XXXX XXXX on XX/XX/18, service rep said theft happened, I told rep, transaction was not authorized, please submit claim rep refused my request, blocked card, Said she would order new card. On XX/XX/18, I called XXXX XXXX about actions on my acct with NetSpend, XXXX XXXX rep said purchase prepaid card and transfer remaining amount on prepaid card and use your monies. I called NetSpend back on XX/XX/XXXX with new card number XXXX rep said block was on prepaid card and 24 hours for XXXX, to be unblocked. I called on XX/XX/XXXX, again NetSpend service rep,24hours for monies to unblock. XXXX XXXX said on XX/XX/18 they can't make NetSpend service release funds,. I called NetSpend Corporate office XX/XX/18, no one will help. These are XXXX pension and SsI  benefits,, please help me. thanks
Consumer complaint received 2018-04-12
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: JPMORGAN CHASE & CO. (NY)

XX/XX/XXXX | XXXX, MS | XXXX XX/XX/XXXX | XXXX XXXX XXXX, NJ | XXXX XX/XX/XXXX XXXX XXXX XXXX, NJ | XXXX I recently just checked my Chase Unlimited Freedom statements to make sure everything was correct but I remember filing a dispute for these payments back in XX/XX/XXXX online.

After I sent the dispute request, I never got a confirmation message or call from a representative so I thought these payments were successfully disputed. However, it never was removed from my account.
Consumer complaint received 2020-09-10
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. (FL)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on 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 2018-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

on XX/XX/2018 we submitted to Experian two accounts that were already due to come off my report in XX/XX/2018 we had previously complained to CFPB to resolve this issue, while this was going on we herd NOTHING from Experian in fact, to date we have herd NOTHING in regard to this matter. 
The accounts that were supposed to come off was XXXX XXXX case # XXXX and case # XXXX It has now been 3 months since we contacted Experian by Certified mail and as previously stated, to date they have continued to neglect their responsibility to remove old out dated.
Consumer complaint received 2022-06-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (MA)

I am constantly allowed to pay my credit card balance without having a positive bank account balance. I have complained once about this control issue on the application with their customer service. They have allowed these payments and give premature credit advances and with this in mind, and I have been charged with countless payment return fees at this point, totaling over {$1000.00}. 

I am posting a new complaint as an update to my previous one with the same provider. 

Original Complaint # : XXXX
Consumer complaint received 2022-06-15
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: EOS Holdings, Inc. (SC)

I made a dispute with XXXX and XXXX reference to this debt collector EOS CCA who is reporting they own this debt from XXXX XXXX. On XX/XX/22 I sent them a letter via registered mail with return receipt asking them to validate this debt. I received proof of delivery with a signature from their company. As of today I have not received a response and they continue to report this as a collection debt to all three credit reporting agencies. This is a charged off debt by XXXX XXXX. It is also time barred under SC law ( S.C. Code 15-3-530 ).
Consumer complaint received 2022-10-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Thrivepoint Financial Holdings, Inc. (CA)

Renovate America ( XXXX XXXX ) placed a lien on my home for home improvements. I did not know about this XXXX  when I applied for an equity loan and was denied because of this XXXX. Amount stated on XXXX is XXXX. 
Payments have been made through my property taxes from XXXX to date. Amount coming out of property taxes is XXXX. 
I have tried since XXXX to speak to someone regarding this loan to no avail.
Consumer complaint received 2022-06-15
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: TransferWise Ltd (CA)

XX/XX/XXXX- I set up the money transfer to my family friend in XXXX XX/XX/XXXX - Wise received my money and started running some checks XX/XX/XXXX - I wrote an email to Wise customer support trying to confirm the cancellation of the transfer because it was taking a longer time than promised ( see attachment ) XX/XX/XXXX - I received an email from Wise worker XXXX XXXX saying " ... We're writing to let you know we got your cancellation request for transfer XXXX ... Right now were experiencing a high volume of transfers, so we may take a little longer than usual to review yours our estimate for most transfers is 1-4 business days, with some as an exception taking 5-10 business days ... '' XX/XX/XXXX - The status of the transfer did not change XX/XX/XXXX - I wrote an email to the Wise customer support and didn't get any reply XX/XX/XXXX - I started chat with Wise customer support again XXXX Answer to my complain was the same as before " ... I checked your account and see that the transfer was paused due to regular checks. I'll inform our team about the cancellation, once we've an update from them, we'll get back to you via email... It usually takes 1-2 working days for our team to look into this and get back to you. ''
Consumer complaint received 2018-12-10
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc. (PA)

I have dispute an alleged debt from XXXX for {$490.00}. The collector has never sent me any documents proving i owe the debt or how they claim i owe exactly {$490.00}. I do not agree so i disputed it. They allegedly verified it with the credit bureaus. They did not do a reasonable investigation and have failed to provide any proof. They also have been harassing me on my personal cell phone.
Consumer complaint received 2018-10-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (FL)

I have a business account with Wells Fargo Acct # XXXX We deposited a tenant 's check on Thurs. XX/XX/2018 of {$5600.00}. 

Below details from Wells Fargo online : Deposit Details Deposit Summary Category Amount Checks ( 1 item ) {$5600.00} Deposited Items Checks Item # sorted in ascending order Banksorted in descending order Account # sorted in descending order Check # Amountsorted in descending order XXXX XXXX XXXX ... XXXX   XXXXCheck image {$5600.00} Total Checks {$5600.00} On the following day they showed the funds with a hold. I contacted them and they said the funds were insufficient and would hold till XX/XX/XXXX to see if they become available. 

Below is a link with a jpg from the check issuer 's bank showing the check was cleared in his bank on XX/XX/18. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX If it did clear why do they hold the funds? 
And if not in the past the bank would try to redeposit the following day and if still uncollected would mail check back to us. 
So we could try to collect a new check. 
Now they say they say they hold 11 days to see if the funds become available. 
Yet we spoke to them yesterday the XX/XX/XXXX and after threatening to file this complaint they decided to waive the hold time of 11 days and made the funds available as of the original deposit date of the XX/XX/XXXX. I believe based on the proof sent to my tenant from XXXX XXXX   that they've had the funds all along and have this unlawful practice of withholding the funds. 
Lets say the funds were not good in 11 days why hold the check that long and give us less chance of obtaining a new check. 
This is the second time we've had this type of situation with Wells Fargo. 
With another business account if a check does not fund on a second try they debit the deposited amount and immediately return the check for collection. 

If you need to call me I can be reached at XXXX. 

Thanks, XXXX XXXX
Consumer complaint received 2021-10-24
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Corp Solutions Inc. (GA)

Credit Corp solutions inc is trying to collect {$5200.00} on a XXXX account that has been dormate for over 8 year 's this exceeds GA statue 's of limitations of over 6 year 's. 
I was unaware of this for the past 8 year 's and received no notice until now, I've checked my credit report over the past 8 year 's and nothing was posted on my credit account.
Consumer complaint received 2019-11-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: BARCLAYS BANK DELAWARE (NY)

XXXX Report Number This dispute was opened in XX/XX/2919 It was Identity Theft / fraud where 2 credit cards were opened up with my personal information. The banks issued the credit cards $ XXXX in each card. Barclays Bank And XXXX XXXX. 

I still see both in my XXXX  credit report!!! 

How can I get them removed?? 

Never can reach a real personal n at XXXX  and Banks never can provide concrete information PLEASE HELP. I always had excellent credit reports and now down to poor.
Consumer complaint received 2022-06-15
Product: Checking or savings account — Savings account
Issue: Opening an account — Account opened as a result of fraud
Company: CULLEN/FROST BANKERS, INC. (TX)

Frost Bank contacted me about an account that was being opened with my information, they were checking with me because it seemed fraudulent they had 3 accounts trying to be opened in my name and to report it to the FTC.
Consumer complaint received 2019-03-26
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. (FL)

The purpose of this correspondence is to obtain your assistance with an alleged debt that XXXX XXXX XXXX is currently reporting on my TransUnion credit report. After discovering this debt, I disputed this with TransUnion. I also mailed, via Certified Mail, a validation letter to the collection agency that has since been returned to me with the status of forward expired, despite obtaining the collection agencys demographic information through by TransUnion credit report. I have been tracking this letter through the United States Postal Service tracking services ; the letter was returned to me on XX/XX/XXXX. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), TransUnion is required by federal law to verify- through the physical verification  of the original signed consumer contract of any and all accounts posted on my credit report. Transunion sent a letter stating that the account was verified. Since the certified letter I initially sent to the collection agency for validation was returned to me, I would like to know the method of which TransUnion is complying with federal law to verify this alleged debt. 

TransUnions failure to positively verify this account and the collection agencys refusal to respond to or accept the certified letter mailed to them regarding this alleged debt has interfered with my ability to obtain credit. According to federal law, this account must be verified or removed. 

Attached to this complaint, you will find : Copy of the validation letter sent to XXXX XXXX XXXX on XX/XX/XXXX Returned certified letter to XXXX XXXX XXXX SEALED ENVELOPE ( front and back ) I ask that you provide a resolution to this matter and compel XXXX XXXX XXXX to provide the information I have demanded in the validation letter or discontinue collection attempts/ negative reporting on my credit reports. 


This inaccurate, alleged debt has tarnished my credit and ability to obtain credit. Please know that I take this matter very seriously. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-07-21
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. (CA)

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2018-04-27
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)

My daughter opened a credit card account with XXXX XXXX XXXX XXXX XX/XX/XXXX and added me as an authorized used. I asked her to remove me and she did effective XX/XX/XXXX. She was 30+ days late on a payment XX/XX/XXXX. The account is showing up on my credit report, complete with delinquency as of XX/XX/XXXX. I have asked Equifax to remove this from my credit report as it is affecting my score and the delinquency is glaring!
Consumer complaint received 2018-10-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (TN)

The principle of XXXX of my loans was paid in full at the beginning of XXXX. However, there remained some unpaid interest on both loans. I have automatic monthly payments, disbursed by XXXX. The automatic payments did not go toward the unpaid interest on those two loans for an unknown reason. Likewise, I could not manually pay the loans as XXXX 's website would not apply a payment toward loans with no principle. I called XXXX several times and was told that what I was seeing on my profile was incorrect and the two loans were completely paid off. So I was left without an option to pay the unpaid interest and was told that loans were, in fact, paid. However, the credit reporting agencies were notified that I was not paying those two loans and was past due ( past due for a monthly amount of {$0.00}, per the credit agencies ). I worked with XXXX to remove the note on my credit report but the unpaid interest issue remained. 

This week, I logged into my XXXX XXXX I saw that the interest had capitalized for those two loans. Except now my profile states that they are delinquent, having been overdue since XX/XX/XXXX. Additionally, when I called into XXXX I was told that the automatic payments I am making now are in excess of what I owe and I am paying ahead. My last payment ( XX/XX/XXXX ) covered XXXX 's bill but was also applied to XX/XX/XXXX. 

I have been paying XXXX for years on a automatic payment that they encourage in an amount determined by them. It is wrong of them not to apply my payments to pay off debt due rather than over charge me and pay ahead ( of which I can't keep account of on their website ). I am concerned that many of my payments have been equally misapplied. 

Lastly, XXXX refuses to provide me with a summary of my contacts with them. They keep dates and notes of when a customer calls or emails. I have called two or three times a month on these issues for several months. It is noted in my profile but they will not share that with me.
Consumer complaint received 2023-07-28
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: JPMORGAN CHASE & CO. (TX)

I have a checking account with Chase. I notice I got charged for {$24.00} fee in the most recent two months. I called Chase today and asked why I am being charged. I was told I have to keep my daily balance over {$1500.00} otherwise there is a {$12.00} fee. I was surprised. I did not receive any notification regarding my balance becoming low before the charge, nor get any statement in email nor mail. I use Chase mobile app to view account activities but there is nowhere says there is a {$1500.00} minimum balance requirement otherwise it is {$12.00} fee per month. 

Chase customer service says because I didn't set up a threshold in the alert that is why I don't get any notification. However even I set up an alert it will not be {$1500.00} threshold probably will be {$100.00} threshold to notify me that balance is below {$100.00}. So I will still be charged with the fee. 

I have been charged twice, but there was no any notification either mail or email says there is a fee on my account. I also have several accounts with XXXX XXXX  XXXX, when my balance is low they will send us a mail to tell us what we should do to keep the account status even we are using paperless statement. But I never received anything from Chase to tell me balance does not meet the {$1500.00} threshold Chase customer service says I didn't receive any mail because I am using paperless statement. But I also never received any email tells me my balance is breaching minimum threshold. 

Chase argues it is customer 's responsibility to maintain the balance. However, before customer taking their responsibilities, should Chase also have the responsibility to educate and remind customers there is a minimum balance requirement and how much. They could put an note under the account, also could send out an mail to tell customers about low balance and associate fee?
Consumer complaint received 2024-03-01
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Payment process
Company: CARRINGTON MORTGAGE SERVICES, LLC (MO)

I got notification on XXXX that the escrow analysis for this file was completed. It showed a XXXX  payment per month. I got another analysis on XXXX showing that it dropped to XXXX per month. 
I called and was told that they were asked to remove taxes from the payment amounts. They then determined that they accidently did that to the wrong account. I asked them at that time to add taxes back in and re run an analysis to get my payment back to the amount I was quote on XXXX they did so, however they did not do it in time for it to change the XX/XX/XXXX payment which is due and in the amount of XXXX. 

i called multiple times to ask them to re run. On Monday XXXX, I called and they escalated and told me a new analysis would be out XXXX, back dated to fix the XXXX payment. My husband called on XXXX and confirmed this was still in the works. Then on XXXX, not receiving the email, i check my app and saw no notification. I called and they said that they denied my request. this was never communicated to me. 

now I do not know what my payment is, what it will be next month, or the shortage that is truly there as the company can not give me an accurate statement. 
I called and talked to a superior service manager and they stated this was not something they would fix and that I just need to make the higher payments each month. 

this is unacceptable as this is their mistake. I will be paying the payment and adding a lump sum in to not short my own escrows, but this is not how this company should be running. I want to be reimbursed for it.
Consumer complaint received 2022-06-15
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. (GA)

.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. This is the item I demanding to be deleted immediately : FDCPA Section 807 Violation Misleading False Reporting XXXX Account Number : XXXX Please remove it from my credit report.
Consumer complaint received 2018-10-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (TX)

I have an Wells Fargo " Opportunity Account '' which allows me to withdraw " {$300.00} ATM & {$500.00} daily spending limit. '' I called into the banking center and spoke with XXXX XXXX to request a stop payment on a ACH for a against XXXX XXXX  on XX/XX/2018  @ XXXX XXXX CST in the amount of {$1800.00} because I knew the payment would not go thru on my debit card because of the amount. But the telephone bank representative submitted my request against my debit card instead and as a result the payment was processed and posted. I spoke with " XXXX '' a manager from the escalations dept. and he confirmed that the bank representative processed my request " incorrectly. '' The tone of the manager, lead me to believe that this error would be corrected and the funds put back into my account. 
The Circumstance for the stop payment is to help with an " serious '' medical condition with my father who is currently sick and requires special medical treatment. 
I explained this XXXX who was very " empathetic '', which made feel like the bank truly cared and everything was going to be okay. 
But when I called back a couple of days later to check the status of the issue, I was transferred to the Customer Care Business Office and spoke with " XXXX XXXX '' who was very " rude '', her tone was " appalling '', and her attitude was as if she could " care less '' about my entire situation. 
Now Wells Fargo non-apologetically, refuses to refund and/or make right their mistake and I've now experienced a financial hardship due to the mishandling of my request. 
I believe the Wells Fargo " misrepresented '' the core of their vision, by violating the " Error and Omissions '' as well as the " Business Practice Ethics '' ultimately failing the customer.