davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-18
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (FL)

On XX/XX/21 and XX/XX/21 the same person stole money from my Wells Fargo account and wrote a fraudulent check that was supposed to repay some of the stolen funds and the check was fraud too. I am guessing I am not supposed to provide the thiefs details but I gave them and record of all accounts and transactions and a police report associated and I have been trying to get my stolen money back from Wells Fargo for over a year now. The amount of money stolen is over {$7000.00} total with 2 transactions where the thief took my money.
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. (WA)

In accordance with the Fair Credit Reporting Act, the following accounts have violated my rights. 
XXXXXXXX XXXX Account XXXX XXXX XXXX account # XXXX XXXX XXXX account # XXXX XXXX account # XXXX XXXX account # XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A states that I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2021-05-06
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: FIRST PORTFOLIO SERVICING INC (WA)

I Im working with lextion law credit repair people and yesterday the XXXX  XXXX XXXX just showed up on my account says I owe them {$390.00} Im still waiting to hear back from this bank I never gotten anything in the mail from them saying I owe them money
Consumer complaint received 2023-06-12
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. (OK)

I lost my wallet back in XXXX with my drivers license and social security card in it. I recently tried to apply for a mortgage and theres a lot of unauthorized inquiries and even an account that I did not open. Please delete the following inquiries that I did not authorize. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2021-01-29
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc. (TX)

I have called Dovenmuehle Servicing several times. They admit that I have paid over {$15000.00} yet they will not send me an itemized statement of where my money went and I called to set up 2 PRINCIPLE ONLY payments and the applied it toward front loaded interest and sent me a bill with a late fee. 

I am filing a complaint with the Consumer Financial Protection Bureau now. This is so wrong!!
Consumer complaint received 2020-01-24
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: Early Warning Services, LLC (NC)

I am a victim of identity theft and there are fraudulent accounts reporting to my Early Warning Services consumer report Early Warning Services Consumer ID : XXXX. These accounts have been proven to be identity theft and Early Warning Services has not removed them after my request. I have provided proven documentation of fraud and identity theft. I have provided all documents required to have these fraudulent accounts removed/ blocked from my report with Early Warning Services. The documentation consist of a the Federal Trade Comission Affidavit notarized, XXXX XXXX Police Report showing accounts ( XXXX XXXX XXXX and XXXX XXXX XXXX ), Signed Letter with identifying accounts, proof of identity and address. I am requesting that Early Warning Services remove these accounts immediately. The account ( s ) I am requesting to be deleted are ( XXXX XXXX XXXX : Opened : XX/XX/2016, Account Number : XXXX, Balance : Unknown ) and ( XXXX XXXX XXXX : Opened : XX/XX/2016, Account Number : XXXX, Balance : {$200.00} ).
Consumer complaint received 2019-09-27
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. (TN)

I sent Transunion a dispute through the mail and they have failed to respond. This is not the first time my disputes have went unanswered. I have attached the documents that I sent in to be corrected/investigated. In addition to the attached documents I have also noticed that the payment history for XXXX XXXX is being reported differently across the 3 bureaus. According to XXXX I understand that their reporting the same information to all 3 bureaus so what Transunion is reporting can not be accurate and free from error.
Consumer complaint received 2021-08-18
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: Experian Information Solutions Inc. (PA)

These company did not accurately complete an investigation for the fraudulent account on my credit report. I have submitted my FTC report along with dispute letters since XX/XX/2021.
Consumer complaint received 2019-03-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

debt reporting is larger than the original debt amount I have made numerous attempts to contact Bank of America via telephone being on hold over 10 occasions for over 30 minutes representative never answered USPS mail. Not one single representative has contacted me in reference to the debt. 

Bank of America holds the debt but will/has not communicated with me to allow me to resolve the issue. this negative debt remains on my report without opportunity to rectify
Consumer complaint received 2019-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

To Whom It May Concern : Hurricane Irma hit Florida in XX/XX/XXXX, and Capital One was offering Hurricane Relief to its customers following the hurricane. I lived in Florida, and contacted Capital One to confirm. Capital One told that as long as I made a minimal payment ( less than the actual 'minimum payment due ' ) on my credit card each month, they would waive late fees.

I pulled my credit report recently, and Capital One reported that I made late payments on my account during the months of XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, and XX/XX/XXXX.

I did make payments on my account each month, which is documented on the attached statements. These payments were less than the 'minimum amount due ' in accordance with the Hurricane Relief they were offering.

Capital One reported incorrect information to the credit reporting agencies, which has now affected my credit score and caused me harm.

If Capital One offered to waive late fees and accepted lower payments during their Hurricane Relief, they should not have reported incorrect and negative information to the credit reporting agencies.

I have been a loyal customer to Capital One, and always made my other payments in full and on time.

V/r, XXXX XXXX XXXX, Esquire
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: Experian Information Solutions Inc. (NY)

In accordance with the fair credit Reporting Act XXXX  Account # XXXX XXXX XXXX Dept of ED/XXXX  XXXX, XXXX, Ally financial XXXX, U.S. DEPT OF ED - XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX as violated my rights.

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

15 U.S.C 1681 section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2020-01-24
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

On multiple occasions, including just yesterday, Bank of America has frozen my funds as " overdraft protection ; '' putting them in limbo between my savings and checking account, disallowing me to transfer them to cover my overdrafts, thus resulting in me having to pay a {$12.00} overdraft protection fee. This has the ability to compound, creating further overdrafts and withdrawal limit fees when I am unable to make a transfer large enough to cover the initial or additional overdrafts. 
When I have called to find a solution to this problem, folks at the call centers are not helpful and refuse to acknowledge that this is an issue created by their own technologies.
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 — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I contacted Transunion about inquiries that appeared on my report that I did not authorize. The instructed me to file a report with you and send a copy to them.
Consumer complaint received 2021-05-06
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Wrong amount charged or received — 
Company: WESTERN UNION COMPANY, THE (MA)

XXXX BRL were contracted to be sent. But according to the result of Western Union 's investigation, only XXXX BRL were dispersed by Western Union. Leaving a difference of XXXX BRL that had failed to be sent, per the contract. 

The rate at the point of contract was XXXX BRL per dollar. The following day, the day of payout, the rate was XXXX BRL per dollar for direct bank deposit. There was a lower rate, XXXX BRL per dollar, for a cash pickup, but I did not contract for cash pickup. I would not have agreed to that rate or option, as it was a terrible rate in comparison to other money transfer services. I contracted for a direct bank deposit at the aforementioned direct bank deposit rate, which was XXXX  at the time I paid and XXXX  the following day when Western Union paid my recipient.

Western Union made an error dispersing at the lower cash pickup rate, when what I contracted was for a direct bank deposit transaction.

Western Union acknowledges that the amount paid out was at a rate of XXXX BRL per dollar. This rate corresponds with that day 's cash payout rate, but that was not the type of transaction in our contract. Our contract was for a direct bank deposit. The direct bank deposit rate at time of payout was XXXX. Western Union made an error. But they refuse to rectify their error. They maintain that the clause in their terms stipulating that rates may fluctuate from day-to-day means they can mistakenly use a different advertised rate for a different type of transaction that was not made or agreed to.

Does Western Union believe that it is entitled to make a contract, but then can go forward after execution of the contract and change the terms? Why even pay out any transaction then? Why not change the transaction rate after execution of contract to XXXX, and pay nothing? 

We made a contract. It was understood that fluctuations can occur. But there was an error by Western Union in this transaction. The cash pickup rate was applied to a direct bank deposit transaction erroneously. Why does it take so much back-and-forth to get Western Union to realize and correct it's error? Does Western Union think it can just make grand errors in its own favor, break contracts, and customers will just walk away? Why can't the error just be rectified?
Consumer complaint received 2018-02-08
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TCF NATIONAL BANK (MI)

On XX/XX/XXXX I had a bank payment of $XXXX that I had thought I canceled the autopay on. Because I had not planned for this amount of money being drawn out it caused me to overdraft my account on XX/XX/XXXX when I made payments of $XXXX and $XXXX to XXXX. Additionally, I had an overdraft on the XX/XX/XXXX due to two payments that I thought were canceled of $XXXX and $XXXX. I was charged on XX/XX/XXXX for 2 overdraft fees on the same day my paycheck of $XXXX direct depositted. I called and explained to the bank that I am currently living paycheck to paycheck due to a XXXX that I had wiping out my finances and I asked that instead of being charged 3 overdraft fees at $XXXX each that I pay just one. They would not budge on any of the overdraft fees.
Consumer complaint received 2020-01-24
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. (IN)

As of XX/XX/XXXX I have 8 XXXX/XXXX  backed student loans placed in default even though I was currently enrolled in College as of XX/XX/XXXX. The loans should have subsequently gone into a deferment status due to my enrollment status of full time. I have tried to dispute these erroneous closed accounts through the credit bureaus with no success. I have included documentation from XXXX XXXX University showing my enrollment date and status, yet I still have these default loans on my credit report. I have been actively rehabbing the erroneously defaulted loans while I have been disputing this issue with the credit bureaus. I have called XXXX loan servicing customer service multiple times, but no one seems to be able to give a roadmap to rectify this issue even though I have verifiable proof. I currently have other federal student loans in deferment due to my college enrollment, I am not sure why this wasn't done for these 8 accounts as well. Furthermore, 2 of these student loans accounts are reporting late payments after the erroneous default date of XX/XX/XXXX. I have enclosed screenshots of my Equifax Credit report showing a late payment reported for XX/XX/XXXX on one account and XX/XX/XXXX on another. These accounts were updated as XX/XX/XXXX with incorrect information on a closed and transferred account. How is it possible to be late on a defaulted, closed and transferred account? This is clearly a violation of the Fair Credit Reporting Act. I have been subjected to undue hardship based on the impact of these erroneous accounts being placed on my Credit Report incorrectly. This issue needs to be corrected immediately so that my family and I can move forward financially. 

Respectfully, XXXX
Consumer complaint received 2019-03-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (MI)

I applied for an Amex Business Gold Rewards card on XX/XX/18. I was approved later that same day. 

The application was advertised with a sign-up bonus offer of XXXX points for spending {$5000.00} within 3 months. 

I received the card, activated it and spent over {$5000.00} within the aforementioned period. I reached out to Amex today as I had not received the sign-up bonus, and told the bonus was denied. 

I note the following : 1. I have never held this card product before, 2. I  met the minimum spend as per the advertised offer, 3. I did not receive a " pop-up '' upon application indicating to me that the sign-up bonus offer was being denied, 4. At no point did Amex proactively tell me that they were denying the sign-up bonus. 

Based on this information, I made the minimum spend requirement and expected the sign-up bonus. Only upon inquiring why the sign-up bonus had not yet posted, was I told that it was being denied. 

I consider this a bait & switch action on Amex 's part.
Consumer complaint received 2021-05-06
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Oliver Adjustment Co. (OH)

XX/XX/2021 OAC XXXX placed a collection incident on my credit report in the amount of {$95.00}. I never received any invoice for any medical bill for {$95.00}. The address and phone number given to my credit reporting company ( XXXX  ) is : Directory : XXXX, XXXX XXXX XXXX, XXXX, WI XXXX. As a result, my credit took a hit which is especially damning when you are getting a pre-approval for a home! This company should face consequences. They did not respond to a phone call.
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: Convergent Resources, Inc. (GA)

In accordance with the fair credit reporting act convergent  account # XXXX, has violated my rights. 
15usc 1681 section 602 states I have the right to privacy.

15usc 1681 section 604A section2 : It also states a consumer reporting agency can furnish a account without my written instruction 15 usc 1666b : A creditor may not treat payment on a credit card account under an openend consumer credit plan as late for and purpose.
Consumer complaint received 2021-08-18
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: EQUIFAX, INC. (GA)

XX/XX/2021 I reached out to equifax about unauthorized inquiries on my report. After a slew of misinfrmation and failed security attempts, im told to send my very personal information in to prove my identity, after giving information that is listed in my credit report. There is unauthorized credit in my name and equifax is refusing to assist me in the correct direction. My information has been apart of an equifax data breach. They are absolutely rude and treat you like a criminal, while they are responsible for the leak of your information. I will fax over the items they asked so i can get this stuff of my credit that I did not authorize. Agent was XXXX in XXXX XXXX XXXX Department at XXXX today
Consumer complaint received 2021-05-06
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: Experian Information Solutions Inc. (GA)

I recently sent a dispute letter to XXXX, XXXX, and Experian on XX/XX/2021, now it's XX/XX/2021, and I have still not received any investigation results from either Bureau. The reason I'm filing this complaint against them is that Federal Law requires them to respond within 30 days yet they have failed to respond. earlier to comply with these Federal Regulations by credit reporting agencies are investigated by the Federal Trade Commission.
Consumer complaint received 2021-05-06
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Berman & Rabin, P.A. (TX)

Received several phone calls from a XXXX XXXX from Bermin and Rabin, PA, regarding a debt I have no knowledge of. Repeated phone calls to my workplace with threatening abusive language placing my job at risk.
Consumer complaint received 2018-02-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (MI)

Subject: RE: Credit Card Charge Disputed for XXXX Order XXXXGreetings,After examining the merchant and the amount on my credit card statement provided by Chase, I disputed a charge in the amount of $XXXX posted on XX/XX/2017 because neither I, nor anyone authorized, ordered, or signed for the merchandise. In addition, neither I nor anyone authorized received the merchandise represented by this transaction. I have been victimized and asked Chase to reissue a credit in the amount of $XXXX so wrongly incurred as soon as possible. I talked to someone on the phone previously from XXXX  and access to my account was restored after being locked out for three months due to the dispute.Chase position is that because the merchandise was billed to or shipped to your addressXXXX is claiming to have issued a refund and instructed to me to contact Chase. Chase is claiming that they have not received a refund and continues to bill the full amount plus interest and fees.If you have any questions or concerns, please do not hesitate to contact the undersigned. Thank you in advance for your time and assistance.XXXX
Consumer complaint received 2021-05-06
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: Experian Information Solutions Inc. (OH)

XXXX XXXX COLLECTION IS REPORTING {$1600.00} A INCORRECT ACOUNT ON MY CREDIT REPORTS. THE ACCOUNT IS NOT MINES ME AND MY FATHER HAVE NAME.
Consumer complaint received 2018-03-05
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: WELLS FARGO & COMPANY (WA)

A representative claiming to call on behalf of Wells Fargo called my private cell number stating they were calling on a debt from my former mortgage company which was closed since XX/XX/XXXX. They did not read mean any mini-XXXX  and claimed they could keep on calling as long and as often as they wanted to. The call came in at XXXX PST from XXXX-an Arizona number. On the call, I explained that this debt was past the statute of limitations for collections. To which XXXX XXXX said they can still continue to call me regardless and make efforts to collect a XXXX debt even though it as past the SOL. The representative identified herself as XXXX XXXX and her supervisor as XXXX XXXX. When I told her to never call my private cell number again she said I was personally liable for the debt and they would still call. No effort was made by WF to tell me they were calling on a SOL expired debt, no notice of debt was sent to me, and no effort was made to inform me of my rights.