davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-09
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Conduent Incorporated (PA)

On XX/XX/XXXX I realized my eppicard had been compromised. I immediately contacted the eppi card center where I sat on hold for over 4 hours to be connected to someone in the fraud department. I filed my complaint and explained the card was in my possession the entire time so my guess was the person made a copy of my card. I also explained my frustration at them not having these cards with the chip because this would have eliminated this type of fraud. I was not even in the state when these transactions occurred. I received my letter back in XXXX stating that they find the charges not to be fraudulent. I called them to ask for a description of their findings, where I sat on hold for another 3 hours to be connected to someone. They told me they were forwarding my complaint to another fraud department and I would be hearing from someone in a few days. A week went by and I heard nothing, I called again and sat on hold for over 3 hours again and was told just to fax everything into them again. Which I did. Still hearing nothing I went and filed a police report, I faxed that into them over a week ago and faxed it again one last time on XX/XX/20. I still have heard nothing from anyone. All of this would have been resolved if they had the chips in these cards. The chips are to protect the consumer. Both the XXXX and the Atm machine are both XXXX compliant and have the chip capabilities. If these cards had the chips the atm would not have worked because it would have known that the card WITH THAT NUMBER had a chip. I have filed the police report and have done everything they have asked.
Consumer complaint received 2021-10-14
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Coinbase, Inc. (FL)

Coinbase Pro allowed someone to hack into my account and steal my money without verifying identity. I have lost over {$10000.00} as the account is locked and I can not get access to prove the money belongs to me.
Consumer complaint received 2021-08-19
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. (FL)

I have attached two accounts that all are reporting inaccuracies to all three of my credit bureaus. As per the FCRA anything thing reported in my name to all three of the credit bureaus should be reported 100 % accurate. I would like to have these accounts deleted due to not following the FCRA and reporting 100 % accuracy to all three of the credit bureaus.
Consumer complaint received 2020-08-29
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: CITIBANK, N.A. (CA)

On XX/XX/2020 I sent a letter to Macys for acct XXXX asking them to send me proof of signed agreement and/ or payment histroy. 

I received a letter in the mail from them stating that they information they reported was correct. They verified the information to the bureau but did not send me what I asked for to verify it to me.
Consumer complaint received 2020-10-28
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (NV)

1. Mortgage loan was transferred to NewRez ( Shellpoint ) and due to a clerical error on NewRez 's part, my mortgage payment amounts were {$100.00} higher than they should have been. 

An inquiry was sent on XX/XX/2020 before the first payment to NewRez was due, asking about why my monthly mortgage amount was {$100.00} more. I received a response in email on XX/XX/XXXX indicating that this was a clerical error and should be fixed within 1-2 business days. I was advised to hold off on paying my mortgage payment until the amount was fixed. The amounts had not been fixed until after the XXXX of the month, but after several calls, I was told not to worry because the issue was escalated and being worked on. NewRez representatives also told me that my credit report will not be affected due to me paying after the XXXX of the month, however, this turned out to be false. My credit showed a late payment, and in an attempt to fix it, they put the account in dispute with the 3 credit bureaus without telling me. I discovered it when I tried to refinance. I promptly paid the correct monthly mortgage amount once I called several times to confirm that it was fixed. However, due to my " late payment '' I was no longer able to pay online through their site. I had to set up a bill pay through my bank, which was an inconvenience for me. 

2. I had another couple of issues with my property taxes not being paid. I had to call and explain to them that my property taxes are overdue and " send a request '' to have it paid. They eventually paid the property taxes but I had to pay the penalty. 

3. The other issue with property taxes not being paid appeared in XX/XX/2020 when I got an updated property tax bill due to my new construction house being reassessed and a supplemental tax being added. I sent an inquiry to NewRez in XX/XX/2020 to ask if this additional amount is something that could be paid out of escrow. I had enough escrow funds to cover this additional payment. No one responded to my inquiry at all. I ended up having to call on XX/XX/XXXX to see what the status of my inquiry was. All the while my tax bill was past due and a penalty was assessed. When I called I was told that escrow should pay those tax bills, but then got transferred to someone in Escrow, who had to talk to two managers, who gave conflicting information. One manager said it should be paid out of escrow, another manager said supplemental taxes aren't typically paid out of escrow but I could submit something " in writing '' requesting that it be paid, then I could wait and see if it would be paid. No one could provide me with an update on my original inquiry that I sent in XXXX, and I was told that I had to submit ANOTHER inquiry to see if my supplemental property taxes could be paid out of escrow. I send that request on XX/XX/2020 and that is pending. Due to the fact that NewRez is not paying the supplemental tax, I've had to pay {$1300.00} out of my pocket to keep my home from a property tax lien.
Consumer complaint received 2021-10-14
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Neon Newco Corporation (MO)

I spoke with representative XXXX and she advised that I open new complaint as a result of new information for closed claim XXXX. 

Within a few days of the complaint, a policy change was sent by Netspend. I am believe this policy change addresses a nearly identical scenario described within my complaint. I emailed details to customer service, corporate representatives and the CEO of Netspend. 

NOTICE OF IMPORTANT CHANGES TO YOUR ACCOUNT Update # 2 : In the Your Liability for Unauthorized Visa or Mastercard Transactions section of your Account Agreement, weve updated the Visa Zero Liability Policy to the following : If your Card bears the Visa acceptance mark, under Visas Zero Liability Policy, ... 

... your liability for unauthorized transactions on using your Card is {$0.00} if you notify us immediately and are not negligent or fraudulent in the handling of your Card. 

These provisions limiting your liability do not apply to debit transactions not processed by Visa or foreign ATM withdrawals. 

I respectfully request additional investigation. 

Thank you for your assistance & support regarding this matter. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2019-10-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (IA)

Wells Fargo ( WF ) continues to show a pattern of intentionally mishandling my accounts in order to garner as many overdrafts and fees as possible. They are predatory in their business practices and clearly do not intend to stop, rather continue to find new ways to continue illegal practices. I recently filed a similar complaint about a different transaction and now they have repeated the same practice. I have tried to resolve this with them but they are now sitting on this issue and not moving forward to resolve, simply telling me that no one has been assigned to it yet. 

The issue at hand is WF does not show checks in pending status at all, instead on XX/XX/XXXX, I watched my account several times throughout the day including through the late evening/night until I went to sleep. There were no transactions that needed my attention. I woke up around XXXX on XX/XX/XXXX, looked at my account sometime shortly after that and sure enough, 2 checks totaling {$240.00} had cleared overnight causing an overdraft and pulling funds from my credit card. This got my attention for several reasons, one because there had been no pending transactions the previous day or night, and two, because on XX/XX/XXXX XXXX-ish Id asked a telephone banker to take off any source of overdraft protection after they had done the exact same thing with 2 checks totaling {$130.00} written to 2 different individuals. Their answer on the XX/XX/XXXX is those checks must have been given to the bank at night ... ..hmm thats interesting 2 separate individuals who have nothing to do with each other chose to go to the bank at night when it was closed and cash the checks? ... .. Then magically this time in XX/XX/XXXX a 3rd person chose to go at night when the bank was closed and deposit the check just so WF could not know and pull the money out very quickly overnight without indicating the transaction as a pending item so I could do with my account what I see fit to ensure there were enough funds to cover it. WF is a predatory lender and should lose its FDIC. I do not know why the Federal Reserve still continues to allow them to bank let alone have FDIC to continue to XXXX members throughout the nation. 

I am convinced that WF has an algorithm that manipulates how and when transactions flow in order to charge the most fees. They continuously pull charges and withdrawals 1st then delay any deposits for after all withdrawals no matter if those came first in order to beat situate for fees. I am disgusted with them, have tried to close my account and they wont, citing that I have to wait 10 days in case some transaction comes through. Ive not used my savings in a long whole so nothing is coming through. Ive not used my checking except for now when this check came in. I paid the credit card to {$0.00} and now they have illegally used it as overdraft which I after XX/XX/XXXX I never gave them permission to use. They are fraudulent and I want all those transactions related to the overdraft reversed.
Consumer complaint received 2017-09-25
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (GA)

ocwen is attempting to foreclosure on my home with an assignment that clearly fraudulent. the assignment was created showing ocwen as the lender. the company that i originated the loan with is out of business and XXXX conveyed. i dispute the validity of this debt with ocwen. i sent a qwr and they have not responded to. the assignment to gmac is also fraudulent. XXXX XXXX, Va XXXX are well known robo signers both are the assignments filed in XXXX CO are fraudulent.
Consumer complaint received 2021-10-14
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

XXXX Mortgage has reported me to the credit bureau for non payment of my XXXX payment. They also said that I did not pay my XXXX payment however I paid these payments on XX/XX/2021 and XX/XX/2021. They were both refunded back to me without my knowledge 4 days after each payment. I have since caught up the account, however, I should not have to be punished for something that was not my fault. I have never changed the way I make this payment. I have had this account for many many years and have never had a late payment. I have never even had a late payment on any other account. I care about my credit and have always had excellent credit. I would like for XXXX to fix this problem and my credit to be fixed. Please help me!
Consumer complaint received 2020-10-28
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I did annual credit report in XXXX with 3 credit Bureau : XXXX, XXXX and XXXX. All reported with NO fraudulent accounts, except the " previous address '' included incorrect address, but I thought it was in " previous address '', it wont affect me, as long as my " current address '' is correct. On XX/XX/XXXX, I did annual credit report again to purchase a mortgage. XXXX XXXX  and XXXX reported NO fraudulent accounts. Only XXXX reported a fraudulent address in my current address. I submitted a dispute to have it updated. After several disputes for the same issue, it still did not get fixed, XXXX kept updating wrong address, so I had to fax all required documents along with another dispute. On XX/XX/XXXX when XXXX finally updated my current address correctly, there is a fraudulent account appear in my report, it indicated this was opened on XXXX, XXXX which I had previously mentioned that in XXXX and XX/XX/XXXX XXXX  and other credit Bureau did not report this. Now all of the sudden I owed Bank of America since XXXX for a balance of {$1100.00} as of today, monthly payment is made on the first of each month since XXXX. I was so shocked how this can happen. 

I called Bank of America 2 times to confirm and ask for dispute, BOA confirmed with me that account number was not mine, name looks similar but clearly this is not my account, I have {$0.00} balance with BOA, I was advised to file a dispute with the credit Bureau who reported this account. I file a dispute with XXXX on XX/XX/XXXX, after 14 days had not received the result I called XXXX to follow up on my dispute, I was told that BOA is the only one can verify my information. I called BOA and again was told that if I file a dispute with XXXX, the submit had sent to a different department who handle this, there is nothing I could do but waiting, and again they confirmed with me that this account is not mine, and XXXX  should be able to have my report corrected. On XX/XX/XXXX, XXXX sent me a result of dispute, but surprisingly It said BOA confirmed the fraudulent account is mine. 
This had cause a serious delay on my plan of purchasing a house. I have waisted 2 months to fix the address, and then now still waiting for another dispute. 

I got a notification indicated that The fraudulent account is updated to : XXXX and XXXX. Now the fraudulent account is reported in all 3 credit Bureau, not just only XXXX 
I called BOA immediately, again BOA confirmed with me the fraudulent account is not mine, they did not know how this happened, I dont owe BOA anything and have {$0.00} balance. The dispute was file with BOA same day on XX/XX/XXXX. Dispute is pending for review as of today. 

This issue has caused significant impact on my mental health, seriously delay on purchasing mortgage and financial lost as i have missed multiple chances for good interest rate.
Consumer complaint received 2020-04-28
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: Bread Financial Holdings, Inc. (FL)

Comenity Bank obtained my credit report without my authorization pulling a Hard Inquiry on XX/XX/2019. I do not have an account with Comenity Bank therefore Comenity Bank has no reason or authorization to run a Hard Inquiry for credit offers, other than a soft inquiry in violation of the FCRA section 604 ( a ) ( 3 ) ( f ). Comenity Bank must immediately Notify XXXX XXXX Credit Agency, XXXX, XXXX  and XXXX  to remove the inquiry. Failure to provide me with a copy of a credit application with my signature constitutes an invalid Hard Inquiry.
Consumer complaint received 2020-04-28
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc. (AZ)

I had pushed a loan payment back to the end of the loan at the end of 2019. My XX/XX/2019 statement reflected the pushed back payment as well as the change in due date. I had moved the due date back 11 days from the XXXX of the month to the XXXX. The amount due stated on the bill I received on my XX/XX/XXXX statement reflected that one payment was due. I pay the payment in XXXX before the next due date. For some reason it showed that another payment had been placed on my account in XXXX. During several attempts to have the issue resolved by Santander I was told that the deferred payment was mistakenly placed in XXXX instead of the back of the loan. I was told on several occasions that the issue would be fixed. I have disputed the inaccuracy twice through my credit reporting agency and both times it has not been corrected. The late payment on my credit report caused my credit score to drop multiple points. I am in the process of trying to buy a home and it has greatly impacted that. My account has yet to be corrected and my credit report still reflects a 30 day late payment for the month of XXXX. Each time I reach out to them I am told my complaint is being sent to a different department for review and that I should call back in a few days to check to see if the issue has been resolved. Each time I call back the issue has not been resolved and I am told the same thing and to call back and check on the status in a few days. I have never been given any resolve on the issue and nothing has been corrected.
Consumer complaint received 2022-08-05
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP (TX)

I purchase XXXX {$500.00} visa prepaid cards from XXXX on XX/XX/2022 and i found the next day when i tried to use the card that the balance on both cards were zero. 

When i checked the card balance on the website, i found out that the card balances were completely drained via XXXX x {$250.00} transactions on each card at the same time at XXXX. 

i have tried calling XXXX at their number XXXX XXXX XXXX at least 10 times the last XXXX weeks and no one seems to answer beside the automated message informing they are busy with high call volume and " to call back later ''.
Consumer complaint received 2022-06-09
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WAKEFIELD & ASSOCIATES, INC. (IL)

Wakefield and Associates has been sending me collection notices in the amount of {$330.00} the collection has been reported as past due. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.
Consumer complaint received 2021-10-14
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

XXXX Mortgage has reported me to the credit bureau for non payment of my XXXX payment. They also said that I did not pay my XXXX payment however I paid these payments on XX/XX/2021 and XX/XX/2021. They were both refunded back to me without my knowledge 4 days after each payment. I have since caught up the account, however, I should not have to be punished for something that was not my fault. I have never changed the way I make this payment. I have had this account for many many years and have never had a late payment. I have never even had a late payment on any other account. I care about my credit and have always had excellent credit. I would like for XXXX to fix this problem and my credit to be fixed. Please help me!
Consumer complaint received 2020-11-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (FL)

I took out a mortgage with XXXX XXXX on XX/XX/2020. It was immediately sold to Select Portfolio Servicing, Inc. ( SPS ). For the first 4 statements from XX/XX/2020 thru XX/XX/2020 it states no prepayment penalty. All of a sudden on my XXXX statement it says YES. I called on XX/XX/2020 their customer service dept, spoke with supervisor XXXX who said he would have the payoff/cashiering dept/research dept. call me the next day. No all on XX/XX/2020. I called back this morning and he said I should have a call today, but no guarantees. I feel XXXX is just putting me off, and there is no fix insight. I will attach my closing docs and my statements for your review