davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-06-06
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: WELLS FARGO & COMPANY (CA)

On XX/XX/18 I was looking for new auto and renters insurance online. I found auto insurance for {$800.00} on XXXX  online. I purchased it but when the purchase went through it was {$1200.00}. I called them right away ( in less than 5 minutes ) and cancelled the insurance. I also told them that it was a horrible way to treat the public. The renters insurance was going to be in a bundle, but the insurance never went through and till this day I am getting emails to finish my purchase. The insurance agent could not even find it in the system. I told XXXX to make sure my card wont be charged. XXXX said they wont charge my card. 
XXXX charged my card the same day for {$360.00} for auto and {$44.00} for renters insurance. XXXX  does not refund my card and Wells Fargo allows XXXX to charge my credit card without my permission. I talked to Wells Fargo 3 times and exchanged emails with them. They said that it takes time to revise the charges. It has been over 1 MONTH ago, and the charges are still on my card and now Wells Fargo wants payments. 
The XXXX XXXX fine Wells Fargo got a month ago was not enough for the bank because they still defraud customers! I called Wells Fargo the same day and explained them what happened. They still let the charge to go through.
Consumer complaint received 2016-06-01
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: SYNCHRONY FINANCIAL (FL)

Infomed Synchrony bank of my travel plans outside of the country and to other states within the US prior to travel. These notices have been given to Synchrony two weeks prior to travel and again the day before my travel. Every time Synchrony bank shuts down my cards claiming fraud when they knew I was traveling. I 've spent hours on the phone with Synchrony to correct these issues to no avail. I 've asked for a direct phone number to correct these problems from supervisors and the only answer I ever receive is I 'll send your complaint to upper management.
Consumer complaint received 2018-06-06
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. (MI)

XXXX XXXX account was opened in XX/XX/2017 and it has a balance of {$450.00}. Ive called XXXX several times to resolve this and theyve yet to rectify it and its reporting on my credit. Also, theres a XXXX XXXX bill on my credit, opened XX/XX/2017 with a balance of {$1900.00}. Ive contoacted them several times and even attempted to do a payment plan because its on my credit. Its unfair because this is not and was never my account.
Consumer complaint received 2024-02-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: MOHELA (NC)

I have contacted Mohela numerous times regarding processing my XXXX forms. Most recently I contacted Mohela on XX/XX/XXXX via email. Also on XX/XX/XXXX, and XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I understand that they are backed up, however now they want me to start paying XXXX XXXX monthly towards my loans starting on XX/XX/XXXX, which is an amount that I can not afford and should not have to pay if they would process my XXXX forms. Additionally, I received notification that I am not qualified for XXXX due to lack of documentation. However I submitted this documentation on XX/XX/XXXX and it was never reviewed or processed. My loan is being handled horribly and I never get any straight answers from Customer Service because they are clueless. This is frustrating and starting to become a true hardship for me!
Consumer complaint received 2021-07-09
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: WELLS FARGO & COMPANY (CA)

I am a victim of identity theft. The account was opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
Consumer complaint received 2018-02-02
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This acct needs to be VALIDATED not a verification but VALIDATE the acct with a Certified Copy of TRUE BILL not a statement and the Original Documents with my Wet Seal Signature on it send me all proof request or REMOVE acct. Spoke to a XXXX on XX/XX/2018 who refused to honor my request to have this account VALIDATED telling me I had to contact the company first then he said they cant VALIDATED this acct. they have to dispute it 1st when every time you dispute it takes 30 days so this acct has to stay on my credit for over 60 days that's XXXX when that is called an verification and that is not what I told them to do its called VALIDATED THE ACCT. not a verification its a difference then I request to speak with his Supv. which his supv. refused to get on the line and XXXX comes back with this script is stopped him and said I will be reporting this to the ( Cfpb ) snice you and your supv. Refused to do your job this is my credit you can't tell me what to do about my credit and the Accts. That's on them they need to be VALIDATED this is my right by they law that I have a right to ask that any acct. On my credit file be VALIDATED not a verification so I don't wish to have this account to just be disputed I DEMAND THEY ACCT TO BE VALIDATED ONLY not an dispute or an verification my new address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX California XXXX and i called in and dpoke to a XXXX who was a supv. Who told me and verified that my address was updated and I was just told it wasn't updates I did record the call and I told them it was recorded NOBODY DOES THEY JOB THEY ONLY LIE UPDATE MY ADDRESS PULL UP THE RECORDED CALL I WAS TOLD MY ADDRESS WAS UPDATE IT STARTED FROM ANOTHER SMART MOUTHED SUPV. NAMED XXXX  THESE PEOPLE ARE ALL LIARS PEOPLE LIE NUMBERS DON'T all mail sent to the XXXX XXXX address will be returned. UCC 1-308 WITHOUT PREJUDICE
Consumer complaint received 2017-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

On my XXXX Credit Report, XXXX Credit Report and My Transunion credit reports My XXXX Credit Card and My XXXX XXXX XXXX Card accounts are not showing as reporting on my reports. Thus causing my XXXX XXXX to be lower than they should actually be. Hendering me from obtaining credit.
Consumer complaint received 2021-06-22
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. (NY)

On XXXX XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60days later. I have not received a response yet I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), It is plainly stated that a failure to investigates these items within 30 day gives a reason to immediately remove those items from my credit report it has been over 60 days so they should e deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me.
Consumer complaint received 2015-12-19
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: SYNCHRONY FINANCIAL (FL)

amazon store card was charged for about XXXX dollars for an item that was dysfunctional. returned item to amazon who tells me the card was credited on XXXX/XXXX/2015. Synchrony bank ( the card provider ) does not show credit and says its not their problem. I guess this is business in this country now. Charge anything and just assert your right to collect the money.
Consumer complaint received 2022-09-09
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: EQUIFAX, INC. (NC)

The Credit bureaus stated Account Name & Account # was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal. They also they violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish a account without my written instructions. 
I haven't given these accounts written permission to furnish these accounts on
Consumer complaint received 2022-03-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FIRST MERCHANTS CORPORATION (IN)

On XX/XX/2022 I called about charges that was on my account after the services was canceled. My dispute started on XXXX XXXX when I signed the dispute form. On Thursday XX/XX/2022 XXXX from the dispute/fraud department called me interrogating me and threatening charges that I didnt do. Even though she had all my documentation. It is now XX/XX/2022 I havent seen my credit at all to my account and I been sent over documents to support my claim on MULTIPLE DAYS. XXXX seem to be XXXX and accusing me off things SHE THOUGHT. I would like higher up to listen into that call. But under the regulation E it states my provisional credit should be provided
Consumer complaint received 2021-09-10
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. (GA)

XXXX XXXX XXXX XXXX is showing a delinquency of 120 days in XXXX, 60 days in XXXX and no delinquency in XXXX however in XXXX to shows 30 days past due. This reporting is incorrect. For example two payments were made on XXXX XXXX totaling XXXX drafted from my checking. My monthly payment is no more than XXXX to XXXX. Request research be done and the payment history will in fact show this payment being paid.
Consumer complaint received 2020-10-06
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: ALLY FINANCIAL INC. (FL)

I traded in my vehicle that was financed through Ally bank on XX/XX/XXXX. 
I received a letter from Ally dated XX/XX/XXXX that I would be receiving my Gap refund directly from Ally within 60 days of the official payoff date which was XX/XX/XXXX. 
I waited the 60 days and had not gotten the refund so I called Ally to find out where my check was. I was then advised that they had not received word that the Gap had been cancelled and I had to contact the dealer to do that. After months of trying to get help from the dealership, they finally sent the cancellation form to the Gap company. I still never received the refund. 
Finally I called Ally again to make sure that the cancellation was sent to the right Gap company and they gave me the phone number to the Gap company. I called them and they told me that the Gap was cancelled on XX/XX/XXXX with an effective date of XX/XX/XXXX ( date of trade in ). I asked if they are supposed to send some kind of proof of cancellation to Ally to let them know its been canceled and he said no, they should have that information and that Gap refunds come from Ally. 
I immediately called Ally back to let them know when it was cancelled and that they should send me the refund. I was told that the dealership would refund me. I told her the letter from Ally that I have in my hands says that Ally is who the refund will come from. I asked to speak with a manager and was put on hold and then disconnected. 

They are holding my money, refusing to refund and giving me the run around. It was been
Consumer complaint received 2018-01-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I was frustrated in my attempt to get a free credit report. 

Transunion is not offering an unambiguous free credit report. They require a credit card and make you subscribe to a {$19.00} monthy subscription. I submit this makes it " not free '' even if this money is refunded, or if the subscription can be cancelled before charges apply. 

It is a matter of intentional impediment to set it up this way. The consumer has no way of knowing how difficult it will be to avoid charges. Sometimes to cancel subscriptions a wrenching experience with the telephone is required, and there is no way to know if this will be the case here or not. 

They direct you to this link, XXXX XXXX XXXX XXXX XXXX XXXX : center : tu Please help, thank you. 
XXXX
Consumer complaint received 2019-03-07
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: SYNCHRONY FINANCIAL (FL)

On XX/XX/2019 I made a payment to Paypal. At that time the Representative mentioned they had my information on file when i requested it be removed. The Representative mentioned two bank accounts which I used without me providing any information. I requested a manager. At that point in time I made my payment and returned to the issue of my information being on file.

I was told it was not on file. I explained what had been told to me. I was assured again that it was not on file. I requested information to file a regulatory complaint. I as told I could only file a complaint with Paypal.

After disconnecting I called back. I asked to make a payment, I was told none of the information could be seen after a long pose when the agent read the note. I asked if the agent was reading the note from the previous manager. I was told she had not read it yet, but could see a note from my previous call. I requested a manager. 

I requested information to file a complaint and asked for a credit due to the hassle. I was told that both issues had to be researched and would be given a call back. I received a call back and was told the legal department did not have the information for either case. This was the last time I heard from Paypal. They have not contacted me either by e-mail or phone with any further information, leading me to believe they wished for me to delay in researching how to file a complaint on my own until I had forgotten about the issue.
Consumer complaint received 2018-01-31
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Social Finance, Inc. (TX)

I can not log into my account as there is a link that forces you to accept consent that will not allow you to enter a class action against the company. I will send in a rejection letter but i want this removed so I can service the account.
Consumer complaint received 2016-01-07
Product: Bank account or service — Cashing a check without an account
Issue: Using a debit or ATM card — 
Company: Fidelity National Information Services, Inc. (FNIS) (CO)

An company totally unknown to me named Certegy Check Services, Inc.has stated that they refused to allow my check to be cashed. This is from a legal class action court settlement ( Outage Alert Text Message Settlement c/o XXXX XXXX XXXX ), and guaranteed by law. Check # XXXX
Consumer complaint received 2016-01-12
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Frost-Arnett Company (NC)

This company continues to call my cell phone and work phone, trying to collect a debt that was wrongfully submitted to collections. The debt has been resolved with the original medical provider. However, this company, Frost Arnett, continues to contact me trying to collect a debt they are not owed.
Consumer complaint received 2017-11-19
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. (CA)

I have sent two sets of letters to have inquiries removed that I did not authorize. XXXX inquiries are concerning property rentals which I didnt authorize and live in a house and wasnt looking to move. XXXX from a credit card I didnt solicit and declined their credit offer and they closed the account when I contacted the creditor and lastly a inquiry for a car purchase when I had my financing in place.
Consumer complaint received 2019-03-07
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A. (FL)

My complaint is against Citibank Credit Card. I have a credit card for XXXX XXXX and was paying as agreed until my husband lost his job and I decided to enroll in a debt management program with XXXX to help me pay off all of my debt. for 5 months XXXX has been sending Citibank, proposals requesting them to lower my payments but they are not responding. They are being sent what the proposed payment should be but they are continuing to report the payment as " partial and continue to add late fees and reporting negative info on my credit report. 
I have called them and was given the information to send the proposal and even authorize XXXX to contact them on my behalf and they are not responding. 
Unfortunately, at this point I am frustrated by their lack of interest in helping customers in my situation. I have all the intention to pay and they are not helping.
Consumer complaint received 2018-06-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (NV)

On XX/XX/XXXX a rep from the insurance division of Wells Fargo contacted the flood division of XXXX to see if they had received the check that was sent to them in XXXX. XXXX ( Wells Fargo Rep, Ins. Division ) stated that the check has not cleared and wanted to know if the renewal had been issued. XXXX indicated that it had not since they had not received payment. XXXX then gave them an overnight mailing address so that Wells Fargo could mail them the check & so that XXXX would receive the check prior to XX/XX/XXXX which was the final date to receive payment before the policy could no longer be renewed. According to XXXX, billing notice was sent out on XX/XX/XXXX and then the lender updated some information through XXXX XXXX. My premium at the time of billing was {$750.00} for the year but the policy lapsed after 90 days. I had a grandfathered policy which I have had since XXXX, XXXX. Since the policy lapsed, my new premium is now going to be {$2300.00} a year. I DO NOT feel this is an error by me as I made the payments that covered the flood insurance. No one at Wells Fargo followed up on the uncashed check, no one issued a stop payment on the original check or reissued a new check. I would still have my original flood insurance premium had this issue been handled. When I originally got my flood insurance, the premium was five hundred and something. I technically would never catch up to my new premium as they continue to go up. I have no intention of ever selling my home so this error is going to cost someone thousands of dollars. I have no intention of paying more for more flood insurance because of someone elses error. You have always held us accountable for what we owe on our home so Im going to hold you accountable for this error on your behalf.
Consumer complaint received 2015-11-05
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO. (CA)

XX/XX/2013 a " 2nd Chance Checking Account '' I had opened 2 years earlier with Chase Bank was subjected to a series of fraudulent transactions via unauthorized withdrawals and associated activity online. After notifying Chase of the issue, the items and all related charges were removed and/or reversed from my account after some significant challenges in working with their Fraud unit. However, a few weeks later I was once again notified of the issue with a demand for action. I once again contacted Chase and explained we had already had that conversation, and that they had ( begrudgingly/reluctantly ) agreed to remove the charges and fees and put the account back in good standing. After yet more wrangling with them, Chase once again agreed to remove that charges and fees and put the account back in good standing. Yet a few weeks later, I once AGAIN received a demand for action from Chase. In spite of their repeated agreements to remove all the charges and fees and reinstate the account in good standing, they continued to put it back into a collection status after agreeing not to do anything further. That particular account has since been listed on my XXXX XXXX account, thereby preventing me from opening any other accounts due to the nature of the Chase closures. Adding insult to injury, much of the balance they kept putting back on the account after agreeing it was not due, came in the form of fees not in any way associated with any actual authorized transactions, and I had in fact repeatedly notified them of the issue yet they kept both charging me and adding more to it after agreeing not to do so.
Consumer complaint received 2021-07-09
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. (CO)

In XXXX of 2020, XXXX XXXX  reported I had a late payment. They removed my account from auto pay without notice. I immediately called in and paid the {$34.00} balance as well as the remaining amount of over {$2000.00} in a good fath gesture. XXXX  updated my report and removed the late payment remark. XXXX and Transunion refuse to assist me and remove it from their reports. I have multiple XXXX XXXX accounts and have made payments to them over the last year over {$30000.00} without being late.