davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-03
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)

On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted.I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of XXXX  and strain and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2021-05-03
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE (WA)

I attempted to transfer money has I have in the past to someone in XXXX. This is the only person I have difficulty transferring money to. 

Today, XXXX XXXX put the transaction on hold, and when I called to find out why they grilled me for XXXX XXXX asking how I knew this person ( who I previously had transferred money to 2x on their own systems ), how old he was, when I last saw him, what he would spend the money on, etc. I answered every question without hesitation. 

They kept me waiting for a total of XXXX XXXX, and then said they could not perform the transfer. When asked why, they refused to say. I asked to speak to a manager and was kept on hold for another XXXX XXXX, they returned to say I would need to continue to hold. After XXXX XXXX they hung up the phone. 

During the call the attached email was received at XXXX XXXX confirming the money was transferred. As of now ( about XXXX XXXX later ) the transaction shows as " in progress '' on their website. All the while, they told me it was cancelled. 

XXXX XXXX systems are inaccurate and clearly not communicating consistent information to consumers. In fact, the agent was also deceitful. 
I have transferred money to others today and had no issue.
Consumer complaint received 2023-03-09
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: KILOWATT FINANCIAL, LLC, A SPRUCE FINANCE COMPANY (FL)

I would like to report inconsistencies with my account. I have been double charged it seems and funds go missing out of my account without any proof of the transaction. I have been charged overdraft fees twice and random deposits of money have been placed in my account multiple times
Consumer complaint received 2021-10-26
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (DE)

During the last 10 years of making mortgage payments to Bank of America, I had always been given the opportunity to make an additional payment on their website. In doing so, it asked if I wanted to apply this additional amount to escrow, interest or principal. I had a habit of rounding up to the nearest {$10.00} or {$20.00} and always requested that this amount be applied to my principal balance. Since the loan is top loaded with interested payments I felt the additional principal payments would help knock down the amount of time to repay the mortgage. Every time I did this, the following month Bank of America would adjust my new payment due amount downward in the amount of overpayment I had made from the previous month. In effect, I was not actually making additional payments at all because of these practices. This year I have noticed Bank of America no longer allows you to make additional payments on their websites and you can not make any payment to the mortgage on mobile. 
I believe Bank of America is engaging in fraudulent activity by crediting my overpayments not to my principal balance but to future payments owed. Now they are not allowing an overpayment to my mortgage at all. These are not very consumer friendly practices.
Consumer complaint received 2021-10-26
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: SYNCHRONY FINANCIAL (PA)

I receive 5-6 calls from Synchrony Bank each day from a variety of numbers. In XXXX of 2021, I asked them one last time to please send me a written statement of debt to validate the charges, I was told that they can not provide that upon request and they are sent out periodically, but not to charged off accounts. I explained that until I receive a written statement of debt to assess the validity, I do not want to be contacted via telephone. They instead began ramping up phone calls, reaching out to my previous employer, as well as my current employer ( this information was never provided to them ) as well as friends and family. They are harassing people who have nothing to do with this debt. I am not even sure I have anything to do with this debt because I have not received any statements of the debt they are attempting to collect.
Consumer complaint received 2018-02-04
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIBANK, N.A. (FL)

On XX/XX/XXXX I called Citi to let them know while traveling my card had been compromised. There was a charge for {$38.00} and another charge for {$4.00} and some change. I filed a disputed and was told I should receive my credits in 2 business days. Today is XX/XX/XXXX and when I called the representatives are trying to say I need to wait until AFTER the investigation. No, I dont. That is a debit account, thats MY money. I shouldnt have to wait until the investigation is over to get my credits. I find it odd that I have to wait until AFTER the investigation to get my money back when one of fraud Transactions was already returned.
Consumer complaint received 2019-08-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CMI Group, Inc. (TX)

XXXX reported a debt collection of {$40.00} regarding XXXX XXXX. On XX/XX/2019, I called XXXX XXXX XXXX. They reported I don't have an account with them. They advised me to call Credit Management since XXXX XXXX reports the debts collections to them. I called soon after. Credit Management stated I don't have an account with them as well. There is no report anywhere that I owe {$40.00} with XXXX XXXX not Credit Management.
Consumer complaint received 2018-02-04
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: Google Compare Credit Cards Inc. ()

While reviewing my credit card charges I found 2 unautorized charges which I had never made under the name google electronics. Each charge was on the amount of XXXX $ CDL. I had contacted my credit card company and they cancelled my card and ordered a new one. After cancelling my card someone was still trying to buy with him through google. I contact google to claim a refund for those unautorized charges. Google claimed that also those charges didnt came from my account they wont refund my money back because it was autorized. They refused to give me any information regarding who made those charges which are also not showing in my google account. Im still waiting for refund from my credit card company.
Consumer complaint received 2023-04-03
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Affirm Holdings, Inc (NJ)

Multiple calls per day attempting to collect payment on a loan less than 30 days overdue. Phone carrier flagged these as spam due to number of attempts. 

Multiple attempts on : Tuesday XX/XX/23 - XXXX and XXXX Wednesday XX/XX/23 - XXXX, XXXX, one attempt at XXXX Thursday XX/XX/23 - XXXX, XXXX
Consumer complaint received 2021-02-11
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. (MD)

Today is now XX/XX/XXXX, on XX/XX/XXXX, I sent in a letter to Equifax regarding incorrect accounts, false personal information and unauthorized inquires I noticed on my credit report. It is my understanding under federal law an investigation is required and shall be conducted before the end of the 30-day period beginning on the date the agency receives the notice of dispute. Under the Fair Credit Report Act, I will again note that my letter was sent on XX/XX/XXXX. It has now been over 50 days for this reason alone by law all disputed items must be deleted from my credit report. I will add that these accounts are incorrect, inaccurate, and violate my rights as a consumer.
Consumer complaint received 2020-01-22
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (WV)

XXXX - COLLECTIONS ACCOUNT - SETTLED - XXXX STATES IT SHOULD BE REMOVED - IT'S SHOWING AS ACTIVE. 

XXXX- SETTLED W/ COLLECTION COMPANY - SHOULD BE REMOVED. 

XXXX XXXX XXXX - PAID/SETTLED -SHOULD BE REMOVED PER XXXX - XXXX XXXX  SETTLED W/ COLLECTION COMPANY - SHOULD BE REMOVED. 

XXXX XXXX XXXX XXXX SETTLED W/ COLLECTION COMPANY - SHOULD BE REMOVED. 

XXXXSETTLED W/ COLLECTION COMPANY - SHOULD BE REMOVED.
Consumer complaint received 2018-03-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: STONEGATE MORTGAGE CORPORATION (IL)

In XX/XX/XXXX I requested for my Mortgage Insurance to be drop as well as to remove my escrow. I paid down my mortgage to where I have more than 20 % equity from my original purchase date. An Appraisal was done and the value also confirmed much higher equity in the property. In XX/XX/XXXX I followed up due to the fact I was told it would take 60 days. I was told that by my XX/XX/XXXX payment it would be taken care of. On XX/XX/XXXX I called no one would pick up. The same is to be said for XX/XX/XXXX and XX/XX/XXXX. On XX/XX/XXXX I wrote to them again via their online portal following up on my request. I am yet to get a response or any sort of action on my mortgage.
Consumer complaint received 2023-04-10
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. (SC)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-04-28
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. (CA)

In accordance with the Fair Credit Reporting Act 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 1681section 604 A. Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions. 

15 U.S.C 1666B : A creditor may not Treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 15 U.S.C 1605 : Determination of Finance Charge the amount of the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges, payable directly or indirectly by the person to whom the credit is extended, and imposed directly or indirectly by the creditor as an incident to the extension of credit. 

1 XXXX XXXX XXXX Bank XXXX XXXX Account # : XXXX, 2 ) XXXX XXXX XXXX Account # : XXXX
Consumer complaint received 2022-04-28
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 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 1681section 604 A. Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions. 

15 U.S.C 1666B : A creditor may not Treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 15 U.S.C 1605 : Determination of Finance Charge the amount of the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges, payable directly or indirectly by the person to whom the credit is extended, and imposed directly or indirectly by the creditor as an incident to the extension of credit. 

XXXX XXXX XXXX XXXX Bank XXXX XXXX Account # : XXXX, XXXX ) XXXX XXXX XXXX Account # : XXXX
Consumer complaint received 2022-01-09
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY (KY)

XXXX sent me a notice saying wellsfargo inquriy/ account opened with my ssn i then check it in i never got approved for a wells account and then all of a sudden somebody used my ssn to open one thats not right i call wells they told me they could not tell me anything about it if i dont have a account number / card number i said you should because you let them open it with my ssn that makes it my bessniss i need to see what i can do about it please help me
Consumer complaint received 2018-02-05
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (IL)

In XX/XX/XXXX Loancare took over my mortgage. They've raised my mortgage payment in XX/XX/XXXX without notice to where I couldn't pay it because of a county assessor 's mistake. When the mistake was fixed Loancare received a refund on property taxes paid but did not reduce my monthly payments. Then I found out that I am due a refund from my escrow account. Since XX/XX/XXXX I have been trying to get that refund sent to me and I keep getting the run around. I've complies with every request they've asked. And also had my bankruptcy lawyer send them letters stating the refund goes to me -not the bankruptcy court. I've been on the phone with Loancare almost every day since XX/XX/XXXX trying to get my money. I'm so tired of fighting with them to get the money that is owed to me. I'll bet if I didn't make my mortgage payment on time they'd be jumping all over me in a timely manner. Why can't I get the money that owed to me? I'm a senior citizen and this money is greatly needed!
Consumer complaint received 2021-02-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Mountain Run Solutions, LLC (GA)

I sent the company a debt validation letter in order to prove that the debt belongs to me. The collection company sent me a fake contract that had been doctored to seem as if I contracted an agreement which I know nothing of. It even has a falsified signature that even has my supposedly last name misspelled.
Consumer complaint received 2018-02-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc. (NY)

I been a customer of XXXX for ten years and in about XX/XX/XXXX one of XXXX customer service agents in they questionable pitch go me to open a XXXX credit card I did but I closed the account within 30 days as instructed if I no longer wanted that service. I had order several items a phone, printer and paid them off through my XXXX online website account to that company instead paying debt off to XXXX XXXX XXXX [ hereinafter " XXXX '' ] contracted by XXXX for the said credit card. then abut XX/XX/XXXX, started getting ls from XXXX stating that owe a erroneous balance of XXXX on a count I had closed within prescribed time to avoid such complications. I called XXXX to complain about this issue they told me to write a letter disputing charges I did to prevail the next month in XX/XX/XXXX billings invoices continue arriving. So called XXXX to tray to get them to intervene & resolve this issue through a 3-way phone call which was futile because XXXX customer service Reps just abandoned & left me to the misleading and unscrupulous conduct of XXXX. I had spotless record of paying my debt with XXXX and it is my contention that XXXX is at fault here for XXXX   XXXX onto their loyal customers who are then taken advantage by the deceptive business practices of XXXX. I threatened to get an injunction from the XXXX District Court of New York Court to cease the unlawful credit card practices by XXXX which just ignore me and in the event this agency does nothing I ight have to take court action option filing a pro se complaint in the matters discussed here. I am XXXX years old XXXX XXXX XXXX who need s assistance from these alleged abuses. These issues are causing me in-necessary emotional/mental duress and potential economic injuries. I hold XXXX equally responsible for the problem because their greed in getting some sort of financial kick back from taking advantage of unsuspecting victims as my self and should be held responsible by this agency or any other responsible agency or court of law for the deprivation of an apparent 14th U.S. Const. Amendment violation, of the Equal Protection & Due process Clauses.
Consumer complaint received 2018-02-04
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (GA)

coinbase.com has to give money to me as part of selling virtual currency. coinbase claims they initiated below wire transfers to my XXXX XXXX XXXX bank account. but money never arrived in my bank account.My bank clearly says they have not received the wires from coinbase. I have contacted coinbase many times but they never resolve the issue. please help me to get my money 1 ) {$2700.00} USD on XX/XX/2018 reference no XXXX 2 ) {$1300.00} USD on XX/XX/2018 reference no XXXX 3 ) {$240.00} USD on XX/XX/2018 refernce no XXXX
Consumer complaint received 2022-10-13
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY (GA)

On Tuesday, XX/XX/XXXX, the fraudster, who had my Drivers License and my savings account information, made the fraud wire payment form at Wells Fargo branch in XXXX, FL. That same day, I was with my immigrant clients in XXXX, GA and left to teach XXXX class in XXXX, GA. The next day, I found out that I got three relay service msgs from Wells Fargo, but the messages were that I should contact Wells Fargo. I decided to check my bank account online and found out that XXXX from my savings account were wired to XXXX XXXX  for XXXX XXXXXXXX XXXX XXXX XXXX I contacted Wells Fargo and reported the fraud wire payment incident. I was instructed to contact the Loss Prevention dept, but that dept was closed. Two days later after the XXXX XXXX weekend, I tried to contact the Loss Prevention dept, but XXXX XXXX was not in office. The next day, I made the second attempt to contact him. XXXX wanted to know that I was in FL. I told him no, so he asked me to make the appointment with my bank XXXX. XXXX, my bank officer showed me the fraud wire payment form.She wanted to know that I lost both of my Driver 's License ID and my bank card. I told her no. We filed a claim for unauthorized transactions on my account for ID theft operation. Plus, we started the process to research a wire recall request related to one of my accounts. I told her that I can not take the voice calls on my mobile. XXXX realized that i depend on my relay service number only. I asked her the last question about getting my money back. I have to wait for a phone call from Wells Fargo Executive office in less than 3 days.
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 — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

I submitted a 605b request to Experian in order to block fraudulent accounts that are on my credit report as a result of being a victim of identity theft. I provided all necessary documentation for the 605b request and Experian denied the request with no valid reason.
Consumer complaint received 2021-02-11
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: PORTFOLIO RECOVERY ASSOCIATES INC (IL)

Portfolio Recovery Services has been attempting to collect a debt I am not even certain that I owe to THEM. 
They have called family members, and left personal information in the voicemails, as well as having nasty rude, impolite comments made. 
One lady told my XXXX yr old sister that I don't even live with, if SHE didn't give them a means to reach me, they would pursue legal action against her as well.. that may result in her being sentenced to jail time. 

I have had it. They know the proper course to take, all of my personal accounts have ALWAYS requested and optioned in for EMAIL me as my preferred contact method. 

Too many scam / con artists attempting to collect personal information, they don't give you any information about a debt unless you give up your own information first. NEVER GOING TO HAPPEN.