davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-27
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Problem with customer service — 
Company: WELLS FARGO & COMPANY (AZ)

On XX/XX/2020 I made wire transfer to XXXX XXXX XXXX XXXX to XXXX XXXX in the amount of {$5000.00}. When I called XXXX to confirm transfer was received only to find out money was not received, I called Wells Fargo spoke to rep who told it will probably take a couple of days for my transfer to be completed. On XX/XX/2020 I called XXXX rep and was told they had not yet received the money, I then called Wells Fargo and was told the same thing I was told the first time I called. I was so upset since the money was nowhere to be found. I had to XXXX XXXX another {$5000.00} for the merchandise I needed to purchase. I am now negative {$5000.00} in my account because of this issue. I've been calling 3 times per day to find out about my money. As time passed by I became very frustrated and called Wells Fargo to ask to speak to their manager spoke to someone by the name of XXXX who said she would open a claim to investigate the whereabouts of the money. She also told me the account number which the money was sent to had an extra " XXXX '' in it and were not sure where it was at, they have requested XXXXXXXX XXXX  to refund me my money but have not yet heard back from them due to Covid-19 they are experiencing delays. Wells Fargo has taken to long to resolve this issue.
Consumer complaint received 2020-07-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. XXXX XXXX {$18000.00} DPTEDXXXX   XXXX {$2200.00} XXXX XXXX {$750.00} DEPTEDXXXX XXXX {$3500.00} DEPTEDXXXX   XXXX {$5500.00} XXXX XXXX {$5500.00} DEPTEDXXXX XXXX {$4500.00} DEPTEDXXXXT XXXX {$3000.00}
Consumer complaint received 2020-06-29
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: EQUIFAX, INC. (AR)

I recently for an apartment and I got denied. I got denied. I don't understand why I would be de-nied because my income, rental history, and credit is up to standard. Today I checked my credit report. While doing so I see items that aren't mine. I don't understand what's going on, but these items are not mine and they all need to be deleted from my credit report.
Consumer complaint received 2019-11-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (WA)

On XX/XX/2019 I received a notice from JPM Chase Bank dated XX/XX/2019 in regard to my Chase XXXX Credit Card Account. In the letter, Chase notified me that due to a recent review of my XXXX  credit report, they have opted to reduce my credit line by approximately 40 %. This change put me in a position in which my card is maxed out compared to my balance and reduced my overall available revolving credit amount, causing further damage to my credit history and score. 

I have always paid my card on time and Chase has increased my credit line twice in the past. I was shocked to receive this notice and even more surprised that Chase was completely unwilling to compromise. 

A credit card company 's solution for less than optimal credit should not be to cause further harm to a consumer 's credit history. If Chase was genuinely concerned about my XXXX XXXX, they wouldn't contribute to lowering my score. I believe this practice needs to stop and I am evoking assistance from the CFPB to assist in this unfair and predatory practice.
Consumer complaint received 2018-09-20
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. (OR)

XXXX - I received a telephone call from XXXX to verify my identity XX/XX/XXXX XX/XX/XXXX Wireless Telephone Service Provider XXXX XXXX XXXX XXXX XXXX, CO XXXX ( XXXX ) XXXX XXXX- this is a duplicated inquiry, I only authorized said inquiry on XX/XX/XXXX. 
XX/XX/XXXX XX/XX/XXXX Wireless Telephone Service Provider XXXX XXXX XXXX XXXX XXXX, CO XXXX ( XXXX ) XXXX
Consumer complaint received 2022-03-10
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: Foris DAX, Inc. (VA)

On XX/XX/2022, {$100.00} was debit it from my XXXX XXXX  Debit Card from the Crypto.com exchanged. The money was taken from my checking account, but it was not credited to my XXXX wallet on Crypto.com. so I have sent a message to the Crypto.com team to inform them of this transaction. They have worked continuously for a few days to try and figure out why it did not post to my account, they was able to see that the transfer was completed, but did not post, so on XXXX XXXX, Crypto.com asked me to contact XXXX XXXX to try and get this transaction reversed and sent back to my account. Then on XXXX XX/XX/2022. My Crypto.com debit card was blocked as well as my crypto.com app to purchase and sell crypto. I had no knowledge or notification that I was going to have restricted access, this was because of the case, I have requested on XXXX XXXX. They have received notification from XXXX XXXX in regards to the XXXX XXXX situation, and now they are asking me to request a cancellation letter from XXXX XXXX XXXX XXXX, before they could unlock my account. XXXX XXXX is not aware of this procedure and they have been willing to help me retrieve my money that was taken from Crypto.com. My account as well as my Crypto.com card is still restricted. I have over 1500.00 in assets with this Crypto exchange now.
Consumer complaint received 2020-09-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (PA)

Citbank closed my account 2 years ago this XXXX, without my knowledge. I received a " Notice of account closure '' email on XX/XX/2018 that my account had been closed due to 2 returned payments in 6 months. 

However, I had already called Citi and explain that my sister had recently moved out of my parents house and when she changed her address with USPS she selected to move the whole family which was sent to the CC company and my bank. I had no idea this was done and when I called originally, the bank ( XXXX ) told me they stopped the payment, not due to lack of funds but due to a fraud risk after she changed the address. I was on the phone with XXXX XXXX for hours to make sure everything was fixed. Unfortunately, there was one area they forgot to secure that the account was good again, but I only learned that when I went to make my payment for the CC again. I had XXXX and Citi bank on the phone together at the same time and XXXX explained the situation. 

The Citi representative sent the situation to management but they declined to reinstate my card. I went around and around with Citi and XXXX just to be told I was no longer allowed to have a card with Citi. This was my largest credit card ( I was approved for up to {$25000.00} ) and they closed it on me so I was unable to get another card for anywhere near that amount. I waited a year to reapply for the card and decline again because of my previous situation. 

I have been unable to get a CC approved for such an amount since this event. Regardless of my attempts to provide documentation from the bank, USPS, etc. showing Citi Bank that this was a mistake that was not in my hands.
Consumer complaint received 2023-01-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

I asked the credit bureaus to do a verification for all items on my credit report, and they did. They stated that everything was accurate. 

I did thorough research myself & found no items removed & still found many inaccuracies on my credit report even after they did careful research. 

These are the ONLY personal information that should be reported on my credit report : Please update my address to : XXXX XXXX XXXX XXXX Kentucky XXXX. Please update my name to : XXXX XXXX. 

I requested that all inaccuracies names and numbers listed below be removed immediately as they are inaccurate and put me in a situation that is unfair financially, and a disadvantage to the rest of the world
Consumer complaint received 2022-04-05
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. (GA)

in accordance to Fair Credit Reporting Act Everything has to be 100 % accurate on my credit report. 

The credit Bureaus stated my account was properly investigated but how is that possible if the open inaccurate, the date last active is inaccurate, and the date last reported is not accurate. The ground for removal they also violated my rights under 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Also the Credit bureaus took more than 30 days to complete my investigation here is my certified mail tracking # XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-11-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I applied for a bank of American travel rewards card and my application was turned down and a credit was pulled and I received a letter from Bank of America and it said it because I had a existing account with them and it was revoked and I called Bank of America and spoke to a credit rep and she told me to reapply and I did many times and I keep getting declined for the same reason but I had another credit card with Bank of America and it was closed due to lots of fake payments had been made I didnt make these large amount of payments at all and those checking accounts dont belong to me and I had my wallet and my cell phone stolen back in 2017 of XXXX and I didnt make those large payments to my Bank of America account ending XXXX and Im asking Bank of America to open up a fraud case where are those fake payments are coming from that cause them to end there relationship with me .... I did pay off my Bank of America card in full with a loan and today I still cant get a credit card with Bank of America it been revoked ...
Consumer complaint received 2022-08-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Selene Holdings LLC (VT)

I represent a client, XXXX XXXX XXXX, account no. XXXX. Her loan was transferred to Selene Finance from XXXX  XXXX XXXX on XX/XX/XXXX. On XX/XX/XXXX, the Vermont HAF program sent {$33000.00} to XXXX  XXXX XXXX to reinstate XXXX XXXX 's account. However, those funds have not yet been applied to her account and is still showing as delinquent. On XX/XX/XXXX, XXXX, XXXX XXXX called Selene Finance and was informed that her account is now showing as past due {$37000.00}. I am attaching the V-Record from XXXX confirming that the reinstatement amount good through XX/XX/XXXX was {$33000.00} and the B-Record showing that the Vermont HAF program disbursed {$33000.00} to XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX applied to XXXX XXXX 's account. Further, I am attaching an online statement from XXXX  XXXX XXXX showing that as of XX/XX/XXXX, the reinstatement funds had not yet been applied to the account. 

XXXX  XXXX XXXX and Selene Finance have failed to properly apply the HAF funds to XXXX XXXXXXXX XXXX account. Her account should be showing as current and due for the XX/XX/XXXX payment.
Consumer complaint received 2020-10-12
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: Experian Information Solutions Inc. (MA)

Hi & How are you doing? Im little confused how the late payments is reporting on my credit report. Basically, I am requesting this investigation under the authorization of the Fair Credit Reporting Act 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report. 

What I am disputing : The late payments you have reported to the three credit bureaus. 

My basis for this dispute is that this account was always paid in a timely manner, during the months in question, which you have reported as being late.
Consumer complaint received 2017-08-11
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Works & Lentz, Inc (TX)

XXXX XXXX, 2017 2 accounts were removed from my credit report. On XXXX XXXX 2017 they were added back without any notice. This is illegal. XXXX XXXX XXXX XXXX Added back on XXXX/XXXX/2017 without notice.
WORKS & LENTZ INC-OKC Added back on XXXX/XXXX/2017 without notice.
Consumer complaint received 2018-09-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (PA)

Repeated attempt to collect a debt that is not mine. Claims to be looking for XXXX XXXX. Have asked them to remove the number but the calls come in again. The following are all the numbers that have called me from this company ( that I know of ) : XXXX XXXX XXXX
Consumer complaint received 2019-11-04
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: Southwest Credit Systems, L.P. (PA)

Southwest Credit Systems continue to furnish information on credit file. Made several attempts to solve with company. A complaint submitted over 30 days ago, company failed to comply according to FCRA Guidelines.
Consumer complaint received 2017-08-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc. (FL)

On XX/XX/XXXX I received a letter from XXXX XXXX saying I owe XXXX XXXX XXXX. I informed them that I do not owe this and that the account does n't belong to me. The rep yelled at me saying that it does and I needed to pay and used foul language. The debt was posted to my credit and I disputed it woth the credit bureaus and XXXX XXXX and it was removed.Now i have received another letter today XX/XX/XXXX dated XX/XX/XXXX from a different company diversified consultants which is a completly different cpmpany saying I pwe this debt of XXXX. I informed them it was disputed before and removed but theu say i owe please help me with this.
Consumer complaint received 2024-05-17
Product: Credit card — Store credit card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Bread Financial Holdings, Inc. (CA)

I have had my XXXX XXXX XXXX  for a while. I signed up for autopay and trusted comenity bank to honor this. Without my knowledge, Comenity bank decided to stop my autopay setup because according to them their system was incorrectly calculating the minimum payment amount due. How is this the consumers fault? Couldnt Comenity fix this without stopping the autopay setup? The autopay was set to whatever minimum payment amount comenity indicates and it was not set to a specific amount. They then added a missed payment on my credit report and I didnt notice the autopay was stopped until I logged into my account. I messaged them immediately asking why it was stopped and why I was not notified. They admitted that their system was calculating the payment amount incorrectly so they stopped the autopay. How is this the consumers fault? They then tell me that as a gesture of goodwill they will investigate the matter and let me know the result. I got the letter stating they cant change anything on my credit report
Consumer complaint received 2023-01-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIBANK, N.A. (FL)

On XX/XX/2020 I paid my Macy 's account in full for the amount of {$230.00}. The due as per the statement was to be on XX/XX/XXXX with a minimum payment of {$63.00}, however, I paid it in full and asked to close the account as I had already experienced issues with their billing practices. The next statement reflects the full payment, but there were XXXX showing still owed ... fees and interest. At that point I called customer service and inquired how these fees can be legally billed when I paid the account in full and on time, the explanation did not make any sense and I disputed the charges. The account was never used again, however, somehow they ran up the charges to what they claim I owe today which is {$350.00} and in the hands of a credit collection agency by the name of XXXX XXXX XXXX XXXX. I have disputed this claim with them as well and three years later I am still fighting these ridiculous claims. After submitting my complaint to XXXX XXXX XXXX, along with all documentation ( attached to this complaint ), I still have no results. Instead of actually looking at the facts and what the issue is, they did an investigation on fraudulent charges to the account. My claim was not on fraudulent charges, my claim was on fraudulent charges on their behalf with interest and fees on an account paid in full as per my opening statement on this complaint. They can't seem to get it... Possibly on purpose. At this point it's been 3 years, very upsetting, and most likely affecting my personal credit score. I ask that the CFPB please help me with such an easy case that should never have gotten to where it is today. I have attached all documents as per my account. Thank you in advance for your help.
Consumer complaint received 2023-01-30
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: TMX Finance LLC (TN)

I took out a loan of {$2500.00} in XXXX I have been paying on time, large amount and owe more then I took. They charging monthly XXXX dollars for customary fee and was not told that it would be on my loan just interest.
Consumer complaint received 2023-01-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Fidelity National Information Services, Inc. (FNIS) (MD)

I am a natural person. I have rights under 15 USC 1681 Chexsystems is govern by 15 USC 1681 and they violated my rights. I demand the account below be removed immediately According to 15 USC 1681 I have the right to privacy and I did not give Chexsystems written permission to furnish these accounts. Moreover items were reported fraudulently and inaccurately and in accordance with the Fair Credit Reporting Act all items must be XXXX XXXX accurate when reporting and account reported are not 100 % therefore I demand for All accounts get deleted immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX  XXXX XXXX also called XXXX XXXX to remove all reported items XXXX Account number XXXX XXXX Account number XXXX XXXX Account number XXXX Chex Systems Account number XXXX I dont have any installment loan with XXXX  XXXX XXXX  XXXX XXXX and I never signed or authorized any installment loan with XXXX  XXXX XXXX  XXXX XXXX XXXX I never written any checks from XXXX XXXX XXXX  XXXX XXXX The furnisher XXXX ( XXXX XXXX ) responded to prior CFPB report case number XXXX that the reporting was not made by them ; therefore, I can conclude the reporting is done fraudulently ( page XXXX of XXXX ) I gave Chexsystems a copy of the CFPB and they ignored my request to delete account I gave Chexsystems a copy of my FTC filing stating that the XXXX accounts requested to be deleted are fraudulent. FTC report XXXX regarding identification theft Moreover all XXXX accounts are inaccurate on all XXXX credit files and 15 usc 1681 states credit files have to be XXXX XXXX  accurate XXXX stated they did an investigation however all XXXX credit files are still inaccurate I want all accounts deleted immediately
Consumer complaint received 2024-05-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (AR)

Midland Credit Management has a collection account on my credit report in the amount of {$740.00} I do not owe this company ( Midland Credit Management XXXX any amount of money, as I have never signed a contractual agreement with Midland Credit Management. 

I have disputed this on my credit report and it has not been removed. 

This credit account needs to be completely removed from all three credit bureaus immediately.
Consumer complaint received 2020-10-12
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Conn's, Inc. (OK)

Conn 's calls my husband 's work ( XXXX ) and personal phone ( XXXX ) several times a day - sometimes up to 10 times per day. We have asked them to stop calling his work number, as well as his personal phone, but they do not stop. We have noticed that when my husband travels and/or gets calls from different states for his work, that they will call using a phone number from that state. For instance, he received a work call on his work phone from Arkansas, and not 30 min later Conn 's called using a number from Arkansas. We have been in Florida for travel, and the Conn 's calls we get are from Florida. Every time he gets a work call, Conn 's calls his work number with an number from that same area/state. I do not know how they get this information or why they will not stop calling, but it is harassment. My husband 's work is fed up with the calls.
Consumer complaint received 2024-05-17
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc. (OH)

I had a previous complaint thru consumer finance XXXX. 
Please show competence and open the files given as the account number repeatedly referenced XXXX I was able to access my old XXXX with the XXXX  property where the XXXX stated I had to contact the collection agency. 
The collection agency being National Credit systems. 
I paid National credit systems twice for the debt they had on file on behalf of XXXX XXXX. 

Either National Credit Systems is committing fraud or XXXX XXXX is. 
Account again XXXX Either way, I have PAID the amount owed to National credit systems as of XX/XX/year>!!! 

Again account number that you can reconcile being paid is XXXX Referenced multiple times with receipts, confirmations, And documents provided from National credit systems! 

Again XXXX