davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-05-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: AMERICAN EXPRESS COMPANY (PA)

I tried to add money to my American Express Serve Card ending in XXXX on XX/XX/2019 but I got an error message. I called the customer service the same day to inquire about the problem. I was told that they needed to verify that I'm the owner of the credit card I'm trying to use to add money to my serve account. They sent me a link by email requesting a copy of the bank statement and my Driver 's License, I immediately uploaded the requested documents. On XX/XX/XXXX, I received another email requesting to submit a documentation to verify my address, I immediately submitted a bank statement that shows my address. I never heard back from them and I tried to add money today to my card and I got the same error message, I called the customer service again and was informed that the account is still " Under review ''. My account was charged {$6.00} monthly fee on XX/XX/XXXX. I don't understand why I'm being charged a monthly fee for a frozen account that I don't have access to it's features.
Consumer complaint received 2020-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (VA)

Who is this Company to request all this information State Police, FBI, FTC etc. This is fraud Company. FTA sued this company about selling peoples information to private companies about peoples data in million .

Equifax Inc. has agreed to pay at least {$570.00} XXXX, and potentially up to {$700.00} XXXX, as part of a global settlement with the Federal Trade Commission, the Consumer Financial Protection Bureau ( CFPB ), and 50 U.S. states and territories, which alleged that the credit reporting companys failure to take reasonable steps to secure its network led to a data breach in 2017 that affected approximately XXXX XXXX people. 

I think ( CFPB ) remember this or not they have this in there system or not this is fraud bureau who take peoples information themselves and placed freeze in there credit report and when peoples request them to take off freeze from there credit report this fraud credit bureau request peoples information same as like my, copy of my social security card, copy of my driver license, W2 form, and other information so they can sold these to private companies to make money. 

This fraud Equifax not like that peoples receive credit cards offers this Equifax can give free money to peoples but not helped them to receive offers from credit card companies to offers credit. 

So I request CFPB to reopen my case and canceled Equifax request and take off freeze or fradulent alert or something which fraud Equifax placed in my credit report so I receive credit card offers in mail. 

Thank You, XXXX XXXX
Consumer complaint received 2019-05-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION (IL)

Fifth Third Bank, the worst bank in the world, continues to taking efforts to defraud my mortgage escrow account. 

I received a letter on XX/XX/XXXX that my homeowners insurance lapsed as of XX/XX/XXXX, that the bank was purchasing insurance on my mortgage, applying the premium back to the time of lapse. The bank then charged my escrow account nearly {$2800.00} for an insurance period XX/XX/XXXX through XX/XX/XXXX. 

The bank refused to pay my insurance as presented from escrow but instead billed its own for nearly 7 times the original cost presented. 

This institution continues trying to steal funds from my account in such nefarious ways.
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: Experian Information Solutions Inc. (IL)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2024-01-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MA)

I am writing to formally request your assistance in addressing inaccuracies present on my credit report, which I reported to Experian on XX/XX/XXXX. Despite my efforts to rectify the situation, Experian has yet to respond to my concerns. I believe these discrepancies violate the Fair Credit Reporting Act ( FCRA ), and I am seeking your intervention to ensure that my credit report reflects accurate information. 

Details of the Inaccurate Information and Required Corrections : The following account is not mine : 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 2018-02-21
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: U.S. BANCORP (FL)

As Florida was declared a disaster area after hurricane Irma hit in XX/XX/XXXX, we applied for a three month forbearance on our mortgage loan with US Bank in. During this time my family and I were able to repair the house from damage not covered by insurance ( we did not open an insurance claim or asked for assistance of any kind ). My wife and I run a XXXX XXXX. We were able to get back on track to pay the mortgage in XX/XX/XXXX. We struggled after a sluggish summer in our small business and the forbearance seemed like a good idea. The bank assigned a relationship manager, which we have been in contact with. However, what I am concerned about is that we have been trying to get those 3 payments we missed to be put in the back of the loan it is becoming a mission impossible because they are treating this as a refinance or modification with stacks of papers to be submitted and financial information which is not good at this time. We have paid XX/XX/XXXX and XX/XX/XXXXpayments plus {$1000.00}, but the funds are being applied to the XX/XX/XXXX- XX/XX/XXXX in suspense account. Why is this so complicated? The time keeps ticking and soon we will be getting late fees and bad credit reporting ... how is this helping? We want to continue paying and just add the amount of the 3 months to the end of the loan. Why so much paperwork and stuff?
Consumer complaint received 2019-05-21
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Weber & Associates, Inc. (CA)

The company represented themselves as XXXX and XXXX and collected four payments for {$190.00}, {$490.00}, {$120.00} and {$140.00} for XXXX XXXX XXXX. I paid all the amounts on XX/XX/XXXX. 
Another company named " Weber and Associates '' appeared my credit report XX/XX/XXXX for exact same amounts on my credit report for the same four amounts. 
This needs to be removed immediately from all my credit reports. 
I spoke to XXXX a representative yesterday and she demanded proof of payment. I sent her an email to XXXX XXXX
Consumer complaint received 2020-06-29
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: CITIBANK, N.A. (TX)

On XX/XX/2020 I purchased a flight and resort stay through XXXX  for the amount of {$3300.00}. It was then cancelled without a refund due to closing of the company on XX/XX/2020. I made a dispute through my citi bank credit card on XX/XX/2020 as advised by both XXXX and citi customer service. On XX/XX/2020 I received a denial of money due to being in merchants favor even though I did not receive my goods or services. I verified this through the airlines and resort on the date of XX/XX/2020 previous to taking further action in disputing through Citi cards. I also received an email verifying the cancelation on XX/XX/2020.
Consumer complaint received 2020-04-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (IL)

I have tried numerous times to gain access to the funds in my account with them, they keep saying to verify in branch during a pandemic which i am not going to risk my health to verify the account so when asked to close the account and mail the check to the address listed, i was told the account needs to have a XXXX balance. at this point this bank is effectively stealing XXXX dollars from me. if additional verification is needed for an account that is fine but don't take in money or open the account until the verification is completed. this is a very shady practice.
Consumer complaint received 2018-02-21
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Army and Air Force Exchange Service ()

Example, I received a statement, dated XX/XX/XXXX balance {$460000.00} minimum due payment of {$120.00}. Next statement, dated XX/XX/XXXX balance {$4400.00} with minimum due payment {$120.00} For the past several months I have received statements with minimum payment due of {$130.00}. Statement for XX/XX/XXXX is {$130.00} with a balance due of XXXX I have contacted XXXX where I make my payment for AAFES by phone in the past few months regarding my concerns about my pay statements. However, when I get in touch with there customer service staff member. I am told my minim due payments are set by AAFES. Later I call again getting difference customer service agent with in days a part getting a difference answer. Example, I am told I have to make a purchase on my AAFES card, then my minimum due payment will decrease. I contact them again, I am told that I need to pay a higher minimum due payment.
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 — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

My account ending in XXXX with XXXX XXXX has been paid off. XXXX XXXX is showing their is a past due balance of {$690.00} and that is incorrect. Also, the negative remark of this being a charge off account is inaccurate. Please see attachment from XXXX XXXX validating this account has been paid off.
Consumer complaint received 2021-07-14
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

I am not liable for this debt with XXXX XXXX XXXX XXXX  XXXX XXXX XXXX and I do not have a contract with PORTFOLIO RECOV ASSOC plus they did not provide me with the original application like I asked. 

Account No:XXXX Amount Disputed : {$380.00}
Consumer complaint received 2019-05-21
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. (MD)

I ran my credit recently to start generating credit and see someone else has been using my credit. I have no knowledge of these accounts nor did I give anyone access to any of my personal information. Below are the accounts. 

1 ) XXXX XXXX -opened XX/XX/XXXX amount {$680.00} 2 ) XXXX XXXX opened XX/XX/XXXX amount {$23.00} 3 ) XXXX XXXX opened XX/XX/XXXX amount {$23.00} 4 ) XXXX XXXX opened XX/XX/XXXX amount {$430.00} a ) Block.
Consumer complaint received 2018-02-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A. (PA)

At a local restaurant I was overchrarged in the past and have won dispute. I was recently in same place and took picture of check. It appeared in bank avcount as higher total. The bartender is cheating customers. Thanks for your time and consideration.
Consumer complaint received 2017-05-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CAPITAL ONE FINANCIAL CORPORATION (KY)

I noticed that both credit cards what use to be a fixed interest credit card from Capital One Bank changed to a variable rate card my interest rate went up from 17 % on the Mastercard to over 20 % and the Visa Card went up from 17 % to over 18 %. I have never missed a payment nor have I been late with a payment matter fact I have always paid more that the listed minimum payment. The Mastercard was through XXXX but Capital One Bank bought them both. I called them on Saturday the XXXX of XXXX 2017 and that 's when I was informed that my cards were variable rates of interest. I have n't received anything stating that my cards were variable they could have called me on the phone ( they do have that on file ) mailed me ( which all I get is statements ) or emailed me but nothing at all was sent to me on this issue. I do have the emails sent to me telling me that my payment is due and when I pay it online I get a email from them telling me that my payment has posted. Capitol One Bank most likely close my account over this or raise my interest rates over this complaint but they will just lose a customer for ever.
Consumer complaint received 2020-07-15
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. (NJ)

I have been trying to do my absolute best to fix all the issues on my credit report and make sure everyone and everything is perfect. But of course when it comes down to the last one it's XXXX XXXX XXXX XXXX. A once amazing bank that has become known to not give a dang about anyone or anything. 

I had a car loan with this company for 5 years and had perfect payments of {$480.00} every month. But according to Affinity I was late 60 days, which I disputed and now I'm late 90 days. So now it's even worse. These late payments are from 6 years ago and of course Affinity decides to add some more on. There is no way this account was ever late this much due to my fault. Why would I neglect a $ 35ish payment for 90 days when I paid {$480.00} every month for 5 years during this same time!
Consumer complaint received 2018-02-21
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CNG FINANCIAL CORPORATION (MD)

Four years ago, I moved into a new home. Contacted XXXX for TVS, phone and internet. The technician came to my home ran the wires for four TV hook-ups and hooked up my phone. I did not have the TVS yet, nor the internet, but had the phone for 4 months. Every month I was charged for the TVS and internet even though I had no service. After 4 months they disconnected my phone and set me a bill for over {$400.00}. I called them and said that I was still willing to have XXXX as my provider, but XXXX said not until I pay the bill. So I sent all the receivers back to them via XXXX XXXX. Now a company called XXXX is bugging me weekly. This is doing serious damage to my credit report.
Consumer complaint received 2024-05-14
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY (AR)

XXXX I proceeded to make a payment on an account with Wells Fargo. I was wanting to make XXXX of the last XXXX payments to my Wells Fargo account. The final amount was {$800.00}. When I went on-line to make a payment, a message appeared on the page telling me that I had exceeded the daily or monthly payments of on-line payments this month. This was a promotional item that was purchased a year ago in XXXX. If I dont pay it by XXXX, I will accrue the interest since the date of purchase. Didnt know that you can only make XXXX on-line payments a month, or daily with Wells Fargo. This is a fine example of consumer price gouging. Never heard of a company, bank, or government only allowing a consumer XXXX payments per day or month. This institution is only interested in making money, and not taking care of customers. They need to be XXXX in a corner and XXXX. Just like they are doing to us.
Consumer complaint received 2020-05-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Sentry Recovery and Collections, Inc. (NV)

Sentry Recovery & Collections are falsely reporting debt for an apartment that I never lived at which is now hindering my ability to move because it shows an eviction status. According to XXXX XXXX it was from an apartment called XXXX XXXX XXXX XXXX for a short time in XXXX for a total of {$980.00}. I do not know who Sentry Recovery & Collections or the company that they are representing. There is no way possible I had those two places at the same time. My identity was stolen. I tried to contact the company directly multiple times by showing proof of where I had my utilities installed to show verification.
Consumer complaint received 2024-05-13
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: FISERV INC. (CA)

On XX/XX/XXXX I noticed an unotherized transfer of {$890.00} to an extranal bank account I do not hold. I called as soon as I noticed this transaction and was told a dispute was opened. This morning I called in again on XX/XX/XXXX to get an update and was told the dispute was denied and I would get a letter they said was mailed on XXXX. I need this money returned as it is my unemployment payment and I do not have other income.
Consumer complaint received 2016-09-11
Product: Money transfers — Domestic (US) money transfer
Issue: Other transaction issues — 
Company: TD BANK US HOLDING COMPANY (SC)

On XXXX XXXX, 2016 I made a online purchase at XXXX for a HP Envy XXXX All-In-One Printer. On XXXX XXXX, XXXX XXXX received an electronic transfer from my bank in the amount of {$57.00}. On XXXX XXXX, 2016 I received in the mail the wrong printer. I received a HP Envy 4516. The start up disc that accompanied the Envy 4516 was for a Envy 4510 which according to the download error messages was only compatible with Windows 8. I ordered the the 4520 because the product description on XXXX stated that it was compatible with Windows 10 of which I run on my computers. The packing slip that accompanied the wrong computer identified XXXX as the company placing the order and shipping the item. On XXXX XXXX, 2016 I spoke with XXXX customer service representatives from XXXX. They each said that XXXX was not responsible for the item and I needed to send the item to XXXX who is listed on the XXXX website as the sold by company. On XXXX XXXX, 2016 I spoke with XXXX Manager, XXXX of the Corporate Escalation Division who stated that XXXX was not responsible for the product. According to the XXXX Return Policy : Items purchased at XXXX XXXX be returned to the store or by mail, unless stated otherwise in the list of exceptions below ( there was no list of exceptions stated in this return policy ). Items must be returned in the original manufactured package. Items purchased from a marketplace retailer ( I did not purchase the item from a marketplace retailer ) can not be return to a XXXX store or XXXX ; item must be return back to the marketplace retailer. I had no purchase interaction with XXXX, do n't know if it exists. XXXX took full responsibility as the company processing the order and shipping the order via email contact to me. According to XXXX Terms of Use # XXXX : By purchasing a product by any of our marketplace seller you acknowledge that all orders will be fulfilled by the marketplace retailer and not XXXX. Well my item was not fulfilled by XXXX nor any other marketplace retailer because XXXX did not engage in any purchase transaction transfer with me. XXXX did. Just like XXXX, XXXX and XXXX, are third party sellers in the XXXX stores I have purchased their items in the store and returned to the XXXX store when there was an issue with the item. As a XXXX customer I deserved to be given the same precedent that is used to satisfy their other customers as well. I wish to take the printer back to the nearest XXXX store and receive my refund the same as XXXX was received transfer funds prior to me receiving the printer.
Consumer complaint received 2021-02-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (NC)

Hello I open a account with chase bank this month of XX/XX/2021 the account was a checking the location was XXXX XXXX and XXXX XXXX somebody close the account not from the bank they said no reason was giving why it was did I will submit my checking account number to you and routing number plus my debit card to you and a index card of the person name and bank and address I had to activate the card and I did that but no pin number I was able to activate I will photo copy all that information to you by Monday XX/XX/2021 from my phone I will like to keep my account the same checking and routing along with my debit card number I just need a pin number so I can deposit my social security check in my account by atm or teller no mobile I shown the bank my check they said every thing seem ok and I am going to send you some XXXX XXXX checks I deposit and they do not want to return my money back to me I am going to submit photo copies of those check receipts to you as well because I sign the back of the check and put my account number checking and routing on the back what I will do with them at chase bank I use a address.from newyork when I open the account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and a mailing address po box XXXX XXXX newyork XXXX where my mail go to up their I did not use XXXX XXXX XXXX XXXX XXXX XXXX n.c. because I north carolina address expire and have not renew them yet because of the coronervirus pandemic I will photo copy my address as well in newyork and northcarolina my social security checks have the address XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX on the checks can you reply back to me by mail or text because I do not get your response back to me by email or XXXX that is it
Consumer complaint received 2018-02-21
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: TD BANK US HOLDING COMPANY (NY)

My personal information was used without my authorization to co-sign on a auto lease for 38months. 
I wasnt aware until I received a letter in the mail regarding an early lease termination. 
The bank has the auto and sold the lease to another dealer. 
There is a remaining balance and the bank still wants me to pay for this while the primary lease holder is not owning this.