davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-08
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (OH)

I refinanced my mortgage in XXXX. Wells Fargo Delayed the closing and the rate lock expired. I have emails that I addressed this matter with Wells Fargo from XXXX. In XXXX Wells Fargo was fined {$1.00} XXXXXXXX XXXX AS A RESULT OF THIS MATTER.Wells Fargo still did nothing about the abusive practices. Only a few customers were addressed. In XXXX, XXXX, Consumer Affairs discovered that Wells Fargo still had this matter outstanding, and assessed another $ XXXX in fines to Wells Fargo. 
I received a check ( with no explanation ) dated XX/XX/XXXX. A letter attached to the checks offers no clear documentation of how Wells Fargo arrived at the amount of what they were sending me.No supporting Documentation was provided at all. Just some numbers provided by Wells Fargo Customer service Customer Service Dept. I want full documentation. of XXXX XXXX XXXX Calculation - Interest period dates and percent for state of Ohio. Wells Fargo has insulted me bay saying they are paying me and additional {$170.00} for time I did not have the fee 's This is what they think I'm worth. AND IT IS NOT ACCEPTABLE. WHO CAME UP WITH THIS FIGURE. ALL OF THIS WAS DONE BY WELLS FARGO CUSTOMER SERVICE DEPARTMENT. NOT ONE LEGAL PERSON WAS INVOLVED. I CALLED WELLS FARGO TODAY AD VERIFIED THIS. THIS IS AND INSULT. THEY ADDED {$5.00} AS A " JUST BECAUSE '' Then Wells Fargo is telling me to contact a tax consultant and/or an attorney to see if I have a tax liability. And Wells Fargo expects me to pay for this service when Wells Fargo is the guilty party. Wells Fargo should be paying any and all fee 's that a customer incurs as a result of this matter. Wells Fargo wants me to take the pennies that they sent me, spend it all on an attorney or tax consultant. Wells Fargo is the guilty party. I am not standing for this. Wells Fargo need to pay. And {$170.00} is not acceptable. What makes Wells Fargo this I am only worth {$170.00} when they are paying BILLIONS IN FINES. I WANT A COPY OF WELLS FARGO 'S RESPONSE TO THIS COMPLAINT FOR MY TEAM. THANK YOU. XXXX XXXX
Consumer complaint received 2018-02-07
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Coinbase, Inc. (DC)

I wired my money ( {$8000.00} ) to Coinbase USD Wallet. The money was successfully wired. However, after receiving the money, Coinbase requires me to give them my social security number to buy, sell, withdraw that money. However, I do not have an SSN, so I can not do anything with my money. I have contacted Coinbase via email on XX/XX/XXXX, but haven't received any response.
Consumer complaint received 2018-02-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: First Federal Credit Control, Inc. (OH)

First Federal is stating that this debt doesn't exist between them and myself. The account is unverified, it was absorbed in a chapter XXXX bankruptcy but yet it continuous to appear on my XXXX Credit Report. Please see that the attached credit report verifies this company 's name and address. The date that this credit report was pulled was on XX/XX/18.
Consumer complaint received 2020-01-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SUNTRUST BANKS, INC. (GA)

I have a DDA account with SunTrust Bank NA, now Truist. I observed a pair of unauthorized charges on my account dated XX/XX/2020. I immediately contacted the bank and disputed the items. Soon thereafter, the bank credited me back for both amounts. The bank provided also provided me with a new debit card, however they appear to be using a system called Mastercard Automatic Billing Updater which basically fed my new number back to one of the companies who submitted the original fraud charge. Thus, my replacement card is also no good. One of the companies behind the original fraud charge later submitted another charge ( with the new debit card number ) for some type of membership fee. I am now left with no ability ( other than a personal check ) to purchase things like groceries and gas. The bank does NOT provide me with the ability to opt-out of Mastercard Automatic Billing Updater, which I find to be an unfair practice. I don't understand how a bank could be allowed to perpetrate fraud by providing the new account numbers back to a merchant for whom I affirmed to having never ever having a business relationship with. I am considering taking legal action against the bank as well as the merchant who submitted the second charge.
Consumer complaint received 2018-02-07
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/XXXX i went to Chase Bank,XXXX XXXX XXXX, XXXX , CA.XXXX ( XXXX ) XXXX, to open a checking account. After the employee " XXXX XXXX '' processed my personal info told me that she couldn't open the account, because there was a notice of a previous checking account ( which i closed with XXXX  balance ), but she never told me what was reason. After several calls and wasting 2 hours of my time she opened the checking account. After i received the welcoming letter and the Debit card i received a call from " XXXX XXXX '' to go back to the Bank with my personal mail in order to prove that my address is correct. On XX/XX/XXXX i went back with mail to prove my address.After she called two departments of Chase, she told me that Chase blocked/deleted my checking account without explanation even though i insisted to tell me the reason. Throughout my time with " XXXX XXXX '' her Supervisor was monitoring everything which was Unprofessional. The phone # she gave me is ( XXXX ) XXXX ( Operating Loss Prevention ) which i called on XX/XX/XXXX and spoked to employee XXXX ( female ) who was Rude and Racist for pretending that she don't understand me because of my accent ; i called this # ( XXXX ) XXXX on XX/XX/XXXX which is a phone center in XXXX, they were unprofessional and couldn't explain the note of my previous account. I feel that i am a victim from a Fraudulent and Racist/Discriminatory Company, because i asked to open a checking account.  Plus they willn't return my initial deposit i made to open the account. Chase Bank was Bailed out with taxpayer money ( like many other Companies ) on XX/XX/XXXX for Defrauding consumers and other Companies around the World, but after XX/XX/XXXX continue the same tactics. American Government should be proud for doing that, but never bailed out any consumer from those Fraudulent Financial Companies/XXXX for being Defrauded for so many years.
Consumer complaint received 2018-02-07
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: COMMUNITY CHOICE FINANCIAL, INC. (SC)

My account with CashCentral ( Community Choice Financial ) is past due, due to hardships I was facing. When they would actually call me, they were aware of this. I'm attaching the last email I received from them, and I'm just getting around to reading. When I call to make payments using either of these numbers ( XXXX XXXX XXXX or XXXX XXXX XXXX ), and also today when I called to find out what I need to do to make a payment, I am/was bounced between departments that can not help me. Each person that I speak to asks for my SSN, name, and telephone number, and this makes me really uneasy that there may be something foul occurring at this company. Finally the tenth person explained that my balance on the account was {$1800.00}, and that an amount of {$480.00} was being charged off to a collection agency - she then informed me that she could connect me to the right person that could help me. When she transferred me, I spoke with a XXXX at the corporate office who also asked for my SSN and name, and once he had that information, he immediately transferred me to someone else. By the twelfth person I spoke with, she informed me she was over the department for California, so she couldn't help me but she would speak with her manager so she could TRANSFER me to the right person. After being on hold for about a minute, she hung up. This has been a constant thing all day and in the past, and it is really upsetting. I was on the phone from XXXX XXXX - XXXX XXXX being bounced around, with the stomach flu trying to be a productive member of society. It's to a point where I don't even want to deal with anyone from that company.
Consumer complaint received 2022-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I'm filing a complaint about this account as it appears to be in paid status in XXXX with XXXX balance. XXXX XXXX ( reports derogatory in TransUnion and XXXX XXXX, the date last reported was on XX/XX/2021 the update might not be reported correctly. XXXX  XXXXthe status of this account is paid with XXXX balance on TransUnion and XXXX ( reports derogatory in XXXX ) the date last reported was on XX/XX/2021 the update might not be reported correctly. This affects my status to establish good credit. These items have violated my consumer rights under the Fair Credit Reporting Act, 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete or unverifiable information must be removed or corrected.
Consumer complaint received 2022-01-09
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CCS Financial Services, Inc. (OH)

I was contacted several times back-to-back from a debt collector saying they were XXXX XXXX XXXX. They called me several times in the morning. I answered and told two agents I was at work and couldn't talk and that they send me a letter to verify said debt. The one rep who was a male immediately begin to curse at m and say, " Just pay the bill XXXX, we're taking you to court '' and hung up. I told them several times to send me a letter and not to call me during the hours of 8 and 5 pm and that they could send me a letter. They then begin to leave voicemails saying I had a " order of judgment '' against me and It was filed in court on XX/XX/2021. I've asked them to produce a signed contract showing me that I am the owner of this debt and when I said that I was cursed out again and hung up on. I am ready to seek legal action against the company for the constant harassment and scare tactics. They've even threatened that they will be showing up to my job to serve me papers
Consumer complaint received 2020-06-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (OK)

I payed the amount of the Zales credit card account that showed to pay the card off completely. I receive this months statement and is shows a balance of {$91.00}. I called to explain the situation and they told be too bad. These fees were accessed and that how it is. I explained to them that I payed the account off in full and they said even though you payed it on time these fees were before the due date. How is that? I asked and the response was that is how it is. The call took place on XX/XX/2020 at XXXX XXXX  central time. I spoke with XXXX in customer care I was told he was a supervisor. I made a {$91.00} payment to end the disagreement and asked for a pay off letter. This is preditory lending at its finest.
Consumer complaint received 2022-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Phoenix Financial Services LLC (TX)

In accordance with the fair credit reporting act XXXX  account # XXXX has violated my rights. 

15 usc 1681 section 602 states I have the right to privacy.

15 usc 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 usc 1666b : creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2021-08-17
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company (CA)

On XX/XX/XXXX, I inquired by phone from my loan servicer Freedom Mortgage as to who financially backed my loan. XXXX : Teller ID # XXXX confirmed that our mortgage was backed by XXXX XXXX XXXX  XXXX. XXXX XXXX. After reviewing the forbearance option for a loan backed by XXXX I decided to request a Mortgage Forbearance with the understanding that the missed payments would be added to the end of the loan and no penalties or negative reporting to the credit agencies. I extended the Forbearance after to 6months to a total of 12months which expires on XX/XX/XXXX. Last week I called and spoke to a teller at Freedom Mortgage explaining I was ready to start making my regular monthly payments prior to the Mortgage Forbearance and verify that the missed payments would be added to the end of the loan. He put me on hold for a few minutes and came back to tell me that our home mortgage isnt backed by XXXX. I questioned how I was told the opposite of that 1 year ago, by the teller referred to in the conversation on XX/XX/XXXX. He did state that he saw notes in my file regarding the request for confirmation back on XX/XX/XXXX. But had no explanation as to why it isnt a year later. Now, Ive been presented with a documentation package to complete and was told the lender will decide what they want to offer me to avoid foreclosure.
Consumer complaint received 2023-01-31
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: SYNCHRONY FINANCIAL (MA)

DEAR ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of the consumerto dispute information directly with the furnisher.

I'm also exercising my rights under section 9-210 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ). REQUEST FOR ACCOUNTING ; REQUEST REGARDING LIST OF COLLATERAL OR STATEMENT OF ACCOUNT, and if not received within 14 business days, I will be deemed this account settled and closed and removed from my ALL major credit reporting agencies.

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.
Consumer complaint received 2022-04-29
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: NAVY FEDERAL CREDIT UNION (FL)

I am writing to request the removal of unauthorized credit inquiry/inquiries on my ( name of the credit bureauXXXX XXXX and/or XXXX ) credit report . My latest credit report shows Navy Federal Credit Union credit inquiry/inquiries that I did not authorize.
Consumer complaint received 2022-04-29
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. (NJ)

Disputed XXXX account for inaccurate information several times. Account still remains inaccurate after submitting documentation backing my dispute. My rights are being violated and I want to move forward with court proceedings!
Consumer complaint received 2021-11-08
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: ALLY FINANCIAL INC. (FL)

on XX/XX/21 at XXXX, I received a call from XXXX at Allied Financial. She admitted she was looking for a relative of mine in hopes of collecting a debt and had looked up my information. I have no business relationship or contract with this company and I am disturbed that a random stranger is looking up my personal, protected, private information without my consent. When I asked how she obtained my information, she refused to answer. I reached out to the family member they were looking for and he did not give them my information. When I called back and spoke to the supervisor XXXX XXXX, he stated theyre only allowed to use information provided and she shouldnt have looked up my personal information but he could not verify what else this individual looked up or accessed. I am now concerned that my SSN had been looked at as well as other personal protected information. This is illegal and harassing.
Consumer complaint received 2022-08-17
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 — Their investigation did not fix an error on your report
Company: Delta Management Associates, Inc. (NC)

There are XXXX XXXX XXXX accounts showing on my report, when I reached out to XXXX XXXX to understand this, I received info back from XXXX XXXX XXXX. I pulled an updated credit report and found that the XXXX XXXX Accounts were not reporting as disputed as required by law.FCRA section 623 states that a Creditor must report an account as disputed to the XXXX Credit agencies. The FDCPA 807 ( b ) states that a debt collector must report an account as disputed when it receives the notice. The account has not notations of being disputed by the cinsumer
Consumer complaint received 2021-11-08
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: Experian Information Solutions Inc. (GA)

On XX/XX/XXXX I sent a dispute letter to the all credit bureaus Experian, XXXX, XXXX regarding the following accounts. 
- XXXX XXXX - this is not my account- {$3100.00} - XXXX XXXXXXXX XXXX - this is not my account- {$28000.00}
Consumer complaint received 2018-02-07
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: AMERICAN EXPRESS COMPANY (AL)

I have repeatedly been called at work by American Express after asking them to stop. Today, XX/XX/2018, they called my work again and my mother 's phone, which has never been provided to them. I was told the same thing I have been told twice before, they would no longer do it again. This is unacceptable.
Consumer complaint received 2021-11-08
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: FISERV INC. (MA)

First Data Corporation responded to my complaint number XXXX saying that they have not charged my account since XX/XX/2011, when we stopped the merchant banking services. My business account is still being charged each month {$19.00} + {$79.00} = {$99.00}. XXXX XXXX XXXX informs me that these merchant banking charges are being debited by First Data corporation. The charges after XX/XX/2011 are 10 years 21 months {$99.00} = XXXX XXXX XXXX = {$11000.00}. 

I can send you PDF copies of the bank statements and the correspondence from XXXX XXXX XXXXXXXX that the charges are made by First Data Corporation. Let me know what information you need to resolve this matter.
Consumer complaint received 2018-02-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO. (IN)

I have a check in the amount of {$30000.00} made payable to myself. The payor has drawn the check on its bank, which is Chase Bank on XXXX XXXX in XXXX Indiana. I want to cash the check and I am not a customer at Chase Bank. I phoned the branch before I came in. I was told that I needed to come in and present the check and then the bank would order the funds which I could pick up at a later date. I was advised that there would be an XXXX dollar fee because I am not a customer. Five minutes later I arrived at the bank. I was told by the branch manager that I could not cash the check because I am not a customer. She said that it required ordering funds and she would not order funds for a non-customer. Then she said that even if I were a customer, she would require me to deposit the check and she would put a hold on it for 2 to 3 days before she would allow me to cash it. I asked her whether there was any way that I could cash the check without depositing it into an account and she told me no. I find this very confusing. I do not wish to deposit the funds. I wish to cash the check. It is a valid check and I presented valid identification, including a US passport. Is Chase correct in telling me that I am not entitled to cash for my check? Is it proper to force me to deposit it?
Consumer complaint received 2021-11-08
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. (NV)

I am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to sumbit a complaint I have completed the report and have attached my documents for proof of ID. I am deeply affected by reporting of these accounts that don`t belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of receipt of this report. Failure to do so is a violation of my rights.