davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-04
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (AZ)

I am an XXXX  year-old man on a fixed income. I am XXXX  XXXX and am in XXXX  after battling XXXX for the last year and a half. On XX/XX/2020 I was having problems accessing my XXXX XXXX XXXX account on my TV so I asked my cell phone to call XXXX support. My phone said " I found this number for XXXX support on the internet, would you like me to call it? '' and I said yes. A man answered the call and identified himself as an XXXX support attendant. I told him I was having problems and he said he could see the issue but would need access to my computer to fix it. I granted him access. He said there were a number of issues to deal with and that he could see that someone recently purchased an XXXX XXXX on my account. I told him I had not made that purchase. He said he could fix it but would need my credit card number. I gave him the number. He said he accidentally credited my account {$3900.00} so he was going to correct that. He said he took care of the iphone charge but that it was going to take a while to fix my account because someone had hacked my computer and installed programs that were going to steal from me. He said I could go about my business while he worked on the problem. I left the situation and returned the next morning to check my computer. I found that he still had control of my computer. I called him and he said they were still working on the issues. I asked how much longer it would take and he said he wasn't sure so I again left the situation and went about my business. I returned to my computer on Monday, XX/XX/2020 and found that he still had control of my computer. I told him that if he didn't release control I would call the authorities. He released control and I checked my bank account to find that there were a number of credit card cash advances and wire transfers showing on my account. I immediately called the bank ( Wells Fargo ) to report what happened and let them know I did not perform or authorize those transactions. The bank closed my credit card and checking accounts and issued new cards and new checking account number. The bank said that they tried to recover the money wire transferred but when they did the receiving bank said there was no money to recover. Wells Fargo says that's all they can do.
Consumer complaint received 2022-02-14
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. (MS)

I sent letters to the TransUnion Credit Bureau. The date of the last letter was on XX/XX/XXXX And now we are in the month of XX/XX/XXXX and still nothing has been heard from them. That means TransUnion has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX Balance : {$10000.00} XXXX  XXXX XXXX Balance : {$0.00} TXXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXXS Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX TXXXX XXXX  Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX TXXXX XXXX Date of inquiry XX/XX/XXXX
Consumer complaint received 2022-02-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NC)

This complaint to Experian was the result of their non-compliance to my request and for their refusal of getting the items, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned items for they were found erroneous and unauthorized. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-03-03
Product: Mortgage — VA mortgage
Issue: Application, originator, mortgage broker — 
Company: LoanCare, LLC (OK)

In XX/XX/2015 I refinanced my VA mortgage with XXXX and they issued payoff to Loan Care for existing loan of {$260000.00} and has never issued a mortgage lien release on my property. I am now is process of doing a bridge loan to purchase another property and requirement from XXXX is a release of the mortgage with LoanCare. I have tried many times to obtain such a lien release and have been told by all parties I spoke to that release was forthcoming. However, to this date I have not received any release of mortgage which has delayed my closing on new property for more than a week. Still do n't have release and can not close without document. 
I am now in jeopardy of losing earnest money in addition serval appraisals costs to this point. Any help would be greatly appreciated.
Consumer complaint received 2015-09-08
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (VA)

I never lived outside the state of XXXX except for when I was in the XXXX and then it was not in the state of XXXX. XXXX was in XXXX and my XXXX was in XXXX and I was XXXX in XXXX. I never lived in XXXX. I reported this to the credit bureau once before.
Consumer complaint received 2022-03-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Incomm Holdings Inc. (NJ)

Received a vanilla gift card for XXXX XX/XX/XXXX for {$200.00}. On XX/XX/XXXX went to activate and it said I had a 0 balance. After signing into account and reviewing account transaction a transaction for XXXX was made on XX/XX/XXXX which I did not make for an advertising? I immediately called customer service who started and report and said the dispute center would notify me. I received an email from them on XX/XX/XXXX with the dispute package to fill out which I filled out immediately and received receipt that they received on the XX/XX/XXXX via email. Per email they had 90 days for refund. I have send emails on the following days with no response XXXX and have received no refund. I am totally disgusted, this is unacceptable.
Consumer complaint received 2016-03-01
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc. (AZ)

SETERUS is the WORST customer service in history of the world. In the dozen of times I have contacted them only twice have they been helpful and address my issues. Mostly they just hang up on me like the last XXXX XXXX on XX/XX/XXXX. In XX/XX/XXXX they falsely claimed I missed a payment and the information is on my credit report falsely since then. They keep lying and pushing out the action incentive that was due XX/XX/XXXX. They are clueless and go out of their way to mislead and delay addressing my concern.
Consumer complaint received 2015-10-19
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY (TX)

I 'm sending this email with regards to poor customer service experience I had on Friday XXXX XXXX. 

I was calling into Wells Fargo Customer Service to inquire about a over draft transfer fee I received on XXXX/XXXX/15. 
My concern is on XXXX/XXXX/15 at XXXX CST a Wells Fargo to Wells Fargo deposit was made to my account which would have added to the {$100.00} available balance that was already in the account and would have been more then sufficient funds to cover the monthly automatic debit for {$53.00} charge in which I incurred the over draft charge. Wells Fargo should have posted this deposit immediately given that it was a Wells Fargo to Wells Fargo transfer. 
Later on that afternoon I went to the store around XXXX XXXX CST which is the XXXX charge they also posted before posting the deposit. 

My point here is that Wells Fargo once again maliciously posted debits before the deposit in order to get the over draft charge. This is happens too frequently to my account when I have bills set up on auto pay they will wait until the funds are low and post them all at once which causes me to over draft my account with a pay day pending. I have had to stopped any automatic debits to this account except those I could not halt. 

In this instance my deposited funds were pending for an entire day and do not show posting until XXXX/XXXX/15 ( the following business day ) how is this possible when it is coming from another Wells Fargo account? 

When I contacted customer service to ask my questions I was told by the first CSR that they did n't have the ability to see the time of the posting therefore I would have to talk to the online banking department. I was transferred to a woman around XXXX XXXX I explained my situation to the analyst ( My error in not writing down her name ) and she could not explain to me the times the funds posted ; she did however, hang up on me after I became frustrated with her circling around and not answering my question as to why the deposit made on XX/XX/XXXX was still showing pending. Her words were " thank you for calling have a nice day '' and she disconnected the call. At no time did I indicate my conversation was finished. To further my frustration when I called back in attempt to get the name of the CSR that hung up on me and spoke to another CSR XXXX who states he can not view who I was speaking with at which point I asked for a supervisor the supervisor XXXX XXXX then got on the phone did not ask the reason for my call did not greet me in a professional manner but instead was very unprofessional and advised me that she was heading into a meeting and would have to call me back. I have yet to receive a call back from XXXX. 
I have been a customer of Wells Fargo bank for almost 17 years and am in complete dismay over this ordeal. I will be closing both of my accounts with Well Fargo.
Consumer complaint received 2016-09-25
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION (UT)

I am very annoyed with Capital One. I call and no one really helps. I even called their corporate office and no call backs at all. I would like to report a rebill. They rebilled me when I was in XXXX, for six months, the rebill was for XXXX. Not only could the girl not tell me what it was for, she would not help me either. She said they mailed me in the USA a note for me to fill out. How am I suppose to fill that out in XXXX???? She could not and would not help me. This is XXXX a waste of time.
Consumer complaint received 2016-01-22
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: TMX Finance LLC (GA)

I went to this loan company and i took out a {$600.00} dollar loan the man took my app and i gave him my info i am on social security i told him to please keep the payments low he said he will so when i went into pay my 1st payment it was {$110.00} dollars i asked the lady why was it that much she said that i was not suppost to be on a installment loan that it was moved to a payday loan i asked her when the man was that i needed to talk to him she told me that he was not working with them anymore so i asked her to keep the payments low she agreed but on my 2nd payment it was not bad at all it was {$70.00} so when it was time to pay my 3rd payment i was really upset they wanted me to pay {$90.00} and i did offer them the {$80.00} dollars but they refused to take my payment and not they say i owe each day a late fee of {$35.00} dollars. I am on a small income i told them and they sad that it was my problem, They call me many times a day and on the weekend non stop back to back calling they even call me from their own cell phones they said that i have no legal rights but what gives them the right to change my personal installment loan over to a payday loan this is so wrong. when i talk to them on the phone they are so hate full talking to me. What Rights do I have, Thank You.
Consumer complaint received 2020-03-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I have been struggling with XXXX XXXX and than XXXX since XXXX, its been on my credit report for years and they refuse to remove it. I have never attended college in the past I have been a XXXX XXXX XXXX XXXX all XXXX, XXXX, XXXX, XXXX I had all XXXX XXXX XXXX XXXXXXXX and couldnt leave the house I was in and out of the hospital.XXXX  stated to me loans were signed during those years I was home, Someone used my information to attend these colleges since XXXX and now there are four other colleges coming out in these loans they allowed someone to use my Identity, I have contacted both Department of Education along with XXXX they wanted my information to change the correct information on the Applications they have and make it seem like it was me the id they have on file and mines dont match by a digit now and I do not want to give them anymore of my information they are refusing to help remove these on my credit report it shows various dates since XXXX. Loans are over 37,000 and Ive never assisted college I have never been able to attend college because of this and because of my husbands job I got a free scholarship fully paid to attend college therefore no XXXX XXXX nor XXXX was signed with this scholarship neither and will not give the schools information to them because they will create another fraudulent package against me. They sent me proof of an application where it shows a warehouse address as living and all my families information they also committed fraud and added my parents under a loan in which they have paid because they did not know this was fraud committed.
Consumer complaint received 2016-04-01
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't get flexible payment options
Company: GREAT LAKES (SD)

My loans are being serviced by Great Lakes and they are the worst servicer I have dealt with, They are not offering any financial hardship assistance to me whatsoever and I do not want to continue to work with this agency. I spoke with XXXX in the wage garnishment department who was rude, misinformed, avoiding to answer questions, refused to give her last name, refused to get a manager on the phone when requested and not helpful at all. I then had to hangup on her because she offered no assistance and called back and spoke with a lady who claimed she was a supervisor who the other representative claimed their were none available and I spoke to XXXX XXXX, who was not very helpful either and spoke down to me and my representative and would not offer me an affordable payment arrangement after I had given her my income information. I told her that I could not afford that and she insisted on that amount to be paid in order to stop my garnishment. I offered to pay an amount that was more affordable and was turned down to do that. This lady works off commission and gets paid if she get money from me and I just want to resolve my loans with reasonable payments so that I can feed my XXXX children and still pay my rent. This is deplorable and I want this agency to be removed from servicing my loans and allow me to consolidate since that is the only reasonable solution for me at this point.
Consumer complaint received 2024-01-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MA)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong 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. Please take necessary actions for my complaint, Ive been very patient on this matter.
Consumer complaint received 2020-10-19
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (MA)

1 ) Your payment on XX/XX/2020 is pending One of your payments is pending. 

Amount : {$57.00} USD Transaction ID : XXXX Recipient : View the details of this transaction As part of our security measures, we review certain payments more closely to ensure our platform is being used properly and to minimize the potential risk for us and our customers. One of the payments that you sent is currently being reviewed. We are working to resolve this matter as quickly as possible. We apologize for the inconvenience. 

2 ) Your PayPal account is temporarily limited Dear XXXX As part of our security measures, we regularly screen activity in the PayPal system. During one of these screenings, we noticed an issue concerning a recent transaction. 

In connection with the issue, PayPal 's Compliance Department has reviewed your account and identified activity that we have a couple questions about. 

To resolve the compliance inquiry in a timely fashion, PayPal is requesting that you provide the following information : On XX/XX/2020, you sent a payment ( XXXX ) for the amount of {$57.00} for, " Happy Birthday : May they all continue being raised according to the ways of the XX/XX/XXXX. '' Please provide the following information : An explanation of the reference to " the ways of the XXXX. '' The purpose of this payment, including a complete and detailed explanation of what is intended to be paid for. 

To provide this information, you can go to the Resolution Center. To access the Resolution Center, log in to your account and click " Help '' at the top of any page, then click " Resolution Center. '' If you experience any issues in providing the information via resolution center, please email compliancetransactions@paypal.com. 

We thank you for your prompt attention to this matter. We apologize for any inconvenience. 

Sincerely, XXXX PayPal Compliance Department 2020 PayPal , Inc . 


The reference to " ways of XXXX '' is a religious reference for the XXXX XXXX. It was a message wishing my grandchildren be raised to be good XXXX. 

The purpose of this money was a birthday gift. 
MY RESPONSE 3 ) If my account is not unlocked immediately and the payment does not go through as a birthday gift to my daughter, as was my intention, I will be IMMEDIATELY filing a complaint with the CFPB for religious and prejudiced discrimination
Consumer complaint received 2015-08-24
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: FIRST NATIONAL BANK OF OMAHA (NE)

I went to the First National Bank XXXX XXXX XXXX to see if I could qualify for a mortgage. I had a short sale roughly 4 years ago in the spring of 2011 and the bank was aware of this the first day. Because I had relocated for my job I was forced to give power of attorney to my father to complete the short sale. By neglecting to tell me it is 4 years from the settlement date of a short sale before they can give any kind of mortgage, they moved forward by approving me for a loan of up to {$130000.00}. At that point I put {$500.00} earnest money down on a house. Then I liquidated my XXXX to the tune of {$25000.00}. I was also charged an appraisal fee of {$450.00}. After about a month the bank contacted and told me that they were denying me financing because my short sale had not reached a full four years. The bank was fully aware of this short sale and its settlement date from the very first day I went in and they neglected to be thorough in doing a financial background check. Due to the incompetence of the employee I am now responsible for fees and penalties of up to and over {$3000.00} and have nothing to show for it. First National should have denied me financing the very first day I walked in the door instead of telling me I was getting a loan. I then contacted the employee I was dealing with and was spoken to very disrespectfully when all I wanted was an answer as to why they were so irresponsible with there loan process. My goal in filing this complaint is to be refunded the potential fees of over {$3000.00} and if possible to refund me the {$25000.00} I withdrew from my XXXX. Keep in mind this was the very first time I set foot in this bank and this is how they treat potential customers. Please note the date on the attached conditional loan approval letter and the date on the attached good faith estimate paperwork are over a month apart. There was more than enough time for them to find any information about my short sale and inform me of what to do.
Consumer complaint received 2016-04-15
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (TX)

In XXXX XXXX Equifax removed a collection on my report and in XXXX of XXXX they put it back on my report the collection in reference is XXXX. I have disputed this collection XXXX or3 times since I have never lived in these apartments-my question is since they removed it in XXXX XXXX after 7 years do I have to wait another 7 years?
Consumer complaint received 2015-07-27
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: CAVALRY INVESTMENTS, LLC (GA)

Over XXXX years ago XXXX XXXX XXXX charged off a debt. Its so old that its no longer showing on my credit report and they are out of business ( see document attached ) so there is no way of verifying original creditor or amount. Cavalry SPV LLC is trying to attempt to collect that debt. This is a XXXX party debt collector. The debt and the statute of limitations has expired on the original debt.
Consumer complaint received 2023-09-12
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: WELLS FARGO & COMPANY (NC)

Was hacked on XXXX XXXX. When I caught on to the man on phone I hung up and called the XXXX number on back of card. The money was put back in by Wells Fargo for amount of XXXX. The next month visa came back and took out {$500.00} and then another {$100.00}. They said I approved these charges.