davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-24
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: CAINE & WEINER COMPANY, INC. (NJ)

XXXX, XXXX, & XXXX -- -There is information that on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transaction to be reported on my report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error : nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transaction. The identified transactions are not information related to by me as the consumer. 
XXXX -- -- Caine & Weiner XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX -- -- -- Caine & Weiner XX/XX/XXXX, CAINER & WEINER XX/XX/XXXX, XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX ' XXXX -- -- Caine & Weiner XX/XX/XXXX, XXXX XXXX XXXX XXXX CAINE & WEINER XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX You are required to do what I am asking and block these transactions from being reported to my consumer report with in 4 days from the date of the receipt of this notice I look forward to your response. 
Thank You,
Consumer complaint received 2022-12-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A. (TX)

Flagstar refuses to respond via email. This is my only form of communication. This is a new complaint, do not close it as duplicate. 

Flagstar, answer my questions below : The document you sent me to sign says my escrow balance is over XXXX, but on the phone, you said it's negative- which is it?
Consumer complaint received 2018-05-25
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: On-Site Manager, Inc. (GA)

credit inquiry, unauthorized on showing on credit report XX/XX/2018, called and sent in a certified letter to ask for verifiable authorization for running my credit report. I did not authorize any type of company
Consumer complaint received 2022-10-24
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: TRANSWORLD SYSTEMS INC (TX)

On XXXX, Transworld Ststems filed a collections notice with XXXX credit reporting agency for {$490.00} on behalf of XXXX XXXX. We have disputed that this account was never a credit account. It was pay-as-you-go medical account. I had to negotiate a price and pay at the end of the session. I never asked for credit. Despite this, 6 months after my last visit I received a bill for {$490.00} with no explanation. Transworld sent several letters to a different address where we were living and after requesting documentation showing why I was responsible, I never received a response. Instead they filed a collection account with XXXX. Instead, every month, XXXX increases the amount due by {$4.00} per month. I have disputed this technique to intentionally damage my credit rating but XXXX has always sided with Transworld without providing documentation of this alleged credit account. I was never presented documentation that shows I signed a credit account with increasing monthly balance. As a professional in the financial services industry, the medical forms I filled out did not properly disclose the creation of a credit account with an interest rate. I need your help to have this account removed from all credit reporting agencies.
Consumer complaint received 2022-05-05
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (ND)

On XX/XX/2022, I received a phone call from 'Wells Fargo , ' phone number XXXX and the person that I spoke to claimed they were a Wells Fargo Fraud Protection Agent . This person then sent a 6-digit code to my phone via text to verify my identity. This is the same process Wells Fargo has in place to verify the identities of their customers, however this time, it was a fraud. I provided the 6-digit code to this person thinking they were a trusted Wells Fargo representative . This fraudster had now gained access to my account using the 6-digit code sent via text and performed the following activities. The fraudsters withdrew {$1000.00} from my Deposit Account via a XXXX transaction. They then authorized a cash advance in the amount of {$2900.00} from my credit card to my Deposit Account. Finally, the fraudsters wire transferred {$3000.00} out of my Deposit Account in order to claim the {$2900.00} cash advance for themselves. I submitted a fraud claim to Wells Fargo within 5 hours of this event occurring on XX/XX/2022. As of XX/XX/2022, Wells Fargo had ruled in my favor for the XXXX transaction and reimbursed {$1000.00} into my Deposit Account. However, Wells Fargo has denied my claim to reverse the cash advance because doing so would overdraft my Deposit Account. The complaint I am making is that the {$3000.00} from the wire transfer should be reimbursed to my Deposit Account which would then be used to reverse the cash advance of {$2900.00} on my credit card.
Consumer complaint received 2018-05-25
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (PR)

Early XX/XX/XXXX I visited a XXXX XXXX and was approved for a credit card. I waited for the card to arrive, but it never did. I called to check on it using the account number given to me during my initial purchase, but the system didn't recognize the number, so I called and spoke to a customer rep. They told me my card had been cancelled because " a credit reporting agency '' -did n't tell me which- had reported I had filed a fraud report on it, which I never did. I started having problems with my credit when in XX/XX/XXXX someone took out a card using my identity in XXXX. This other card was with XXXX XXXX XXXX. I also put my XXXX   report on lock down, so the only way I can apply for credit is personally. I explained this to XXXX XXXX ( XXXX credit card bank ), and told them I hadn't filed any fraud report on this particular card. They said there was nothing I could do. Asked if I accepted responsibility for the charges on the account, I answered " of course '' and that I wanted my card. They said they would issue a new card, but ONLY for making payments. I couldn't purchase anything with it. I asked how I could sort it out, because I didn't want anything negative on my credit reports. They answered it wasn't their problem, they wee following the policy after receiving a fraud alert on the card from the credit agency. Now I receive a letter stating that they are denying MY Fraud claim, because I purchased items with the card. I need to make very and absolutely clear, I did not file any fraud claim on this card and anything related with this card be expunged from my credit reports. If any credit agency has a fraud claim against this card from my part, I demand they come forward with it. I also demand Synchrony to show the claim they used to deny a claim I NEVER MADE. I want everything related to this XXXX card erased from all credit reports!!
Consumer complaint received 2018-10-19
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: SYNCHRONY FINANCIAL (NY)

Syncb/Walmrt inquiry from : XX/XX/XXXX est date of removal : XX/XX/XXXX this is a result of identity theft. 
i paid XXXX XXXX & the credit people to deal with this.

however, This Hard Inquiry is still on my credit report.
Consumer complaint received 2022-08-09
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. (MI)

If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation i have sent specific letters to XXXX XXXX equifax XXXX XXXX  asking to them to verify all debts, they have wrong dates, wrong information to them as well. These items shall be removed expeditiously XXXX XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-25
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. (FL)

Dear credit bureau I am exercising my rights under the Fair credit reporting acts, section 609, to request information regarding an item that is listed on my consumer credit report Account name : Child support enforcement Inquires : XXXX 's XXXX XXXX  Account XXXXChild support As per section 609 I am entitled the source of information which is the original contact that contains my signature. I have included copies of my license and social security card If information can't be verified I would like to remove information in 30 days thank you XXXX XXXX XXXX XX/XX/1991
Consumer complaint received 2022-07-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (UT)

so amex gave me an offer to upgrade to there better hitlon amex card to get more miles and upgrade my Hilton status I called customer service to see if they could possibly waive my annual for the 1st year to try it out and do the upgrade and they refused it I already paid XXXX on the current card I have and was willing to forgo if they upgrade to the new card and the waiver annual fee at least for the 1st year. I have wrote several emails to the corporate offices to see if this is a possibility and I have nothing back for 2 weeks I can't get a hold of anyone so thought I would escalate this here I have enclosed a copy of the offer. I figure going this way is the best way to get someone to respond since the coperperate refuses to answer my emails
Consumer complaint received 2020-04-16
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ResidentCollect, Inc. (TX)

I never received notification this company was trying to collect a debt from me. 

I did however, make a {$100.00} payment on XX/XX/XXXX. However, the company apparently only reflects receiving {$50.00} The representative I spoke to on XX/XX/XXXX, named XXXX, is not only hostile and unprofessional, she refuses to give a copy of my payment history, refuses to send any kind of confirmation I made a payment nor will she assist in determining why the full payment on XX/XX/XXXX wasn't posted. 

I further asked XXXX to validate the debt or supply me with evidence of my payment, to which she replied, " don't tell me how to do my job ''. 

Aside from the unnecessary hostility, why can't " XXXX '' confirm anything about the account or help with resolving the missing payment? Why can't she send me a copy of my payment history or anything about my account? 

I made a good faith effort to contact these people and try to resolve the matter and work with them, but they are hateful and apparently, inept.
Consumer complaint received 2022-10-24
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Convergent Resources, Inc. (SD)

On XX/XX/XXXX I received a debt collection letter from Convergent in regards to a disputed debt from XXXX XXXX. 
The actual amount owed according to my three credit reports is {$360.00} and I was still in dispute with XXXX as they didn't want to accept payments at the time due to my sudden unemployment. 
The amount that Convergent is demanding is {$420.00} a total different amount then what is owed.
Consumer complaint received 2019-03-28
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Navient Solutions, LLC. (FL)

In XXXX  of XXXX, I defaulted on my Federal Student loan. XXXX XXXX XXXX was hired by XXXX XXXX XXXX XXXX XXXX, ( XXXX  ) to collect my balance of {$13000.00}. I spoke to XXXX on XX/XX/XXXX where we agreed that I would enter into a federal rehabilitation payment program to repay my loan. He explained that I needed to email copies of my tax returns after I verbally told him what my income was for that year by reading the amount off my XXXX tax return. I further explained to him that I was making 3 other student loan repayments and would be able to pay $ XXXX  monthly. Also, I explained that I would be able to make a payment that night and he didn't take it because he wanted to get me enrolled in the rehabilitation program, which I was qualified for. He said, that $ XXXX  monthly would be around what my payment would be from learning what my gross annual salary for XXXX was. He assigned me the reference # XXXX and asked me to email my tax returns. Upon receiving my information, he would submit all the paperwork and send a confirmation via the United States mail. I emailed my income tax return as soon as I hung up with him. I received a confirmation via email that they received my documents. Please note that all conversations are recorded at their company and this one has me agreeing to enter into the rehabilitation repayment program on XX/XX/XXXX. Then on or about XX/XX/XXXX I receive a letter from XXXX XXXX XXXX with a new balance of {$16000.00}. I immediately called them & asked why? Mr. XXXX XXXX, supervisor, explained that the new balance was because of my lack to supply sufficient evidence of my taxes. Subsequently, I had no recourse with them, thus I contacted the New York State Attorney General, XXXX XXXX. I have the documents from their office which I would like to forward to your office. I have also contacted the Division of Finance in Missouri and XXXX XXXX is waiting for a response from XXXX.
Consumer complaint received 2021-06-09
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CITIBANK, N.A. (NY)

I was scammed online by XXXX and he said about sending me a gift. But then fake courier milefast send an email to me requesting fees for an antiterrorist certificate, anti monetary laundering certificate, international monetary fund certificate. 
I requested a claim investigation for scam wire with my bank, Citibank in XX/XX/2021. Recently, Citibank closed the case because the beneficiary bank XXXX XXXX responds that the scammer withdraws all the funds and closed the account. The amount is {$2000.00} with reference number # XXXX. The second amount is {$8400.00} reference # XXXX. I
Consumer complaint received 2018-05-25
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: WELLS FARGO & COMPANY (NC)

I had a line of Business Credit with Wells Fargo for over 8 years. Shut the account down due excessive fees and sold my XXXX. I have been paying account faithfully over the years. Called Wells Fargo Customer service to get a payoff figure to pay off account. On XX/XX/XXXX went into the local branch here in XXXX, NC with a certified check to pay off line of credit. Two weeks later went on line to check my account and there was a credit of {$100.00}. A week later ( XX/XX/XXXX ) went back into the branch and spoke to Manager and he said we have to have 14 days - 21 days before a refund check can be issued. As of the date I have not received a refund check from Wells Fargo Bank. I feel as a consumer I am getting the run around. The is the worst bank I have ever dealt with. I would like to received a refund since I have follow through with this transaction.
Consumer complaint received 2022-08-23
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (VA)

I was advertised from an account still active on XXXX. I was told to make an investment with them. Then started to ask for fee payments, which I XXXX sent. It was a total lost of XXXX. I reported this as a scam to my bank, Wells Fargo bank and also XXXX customer service, XXXX XXXX customer service, but wasnt able to get a cent back. I understand that because I sent the money thru XXXX, XXXX, XXXX XXXX, which you personally allow, I was not able to get my money back.
Consumer complaint received 2022-05-05
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: CITIBANK, N.A. (GA)

I applied for a Citi " XXXX '' card on XX/XX/2022. The XXXX credit bureau had been suggesting cards offering 0 % interest for balance transfers for some time. I chose Citi XXXX for their " 0 % intro APR for 21 months on balance transfers and for 12 months on purchases '' ( Application # XXXX ). The balance I wanted to transfer was about {$4500.00} at the time. I received a letter dated XX/XX/2022 from Citi that stated my credit limit was {$4600.00}. I immediately called Citi to ask about the low credit limit and explained the application was for a " balance transfer ''. The woman I spoke with instructed me to call back to ask for an increase. On XXXX ( XXXX p.m. XXXX ) I called Citi ( phone description XXXX XXXX XXXX ) and explained the initial application was for a balance transfer. After speaking to XXXX, the representative, I asked to speak to a supervisor. XXXX transferred me instead to account specialist XXXX. I again explained the reason I applied for the XXXX card was for the balance transfer promo. XXXX said the Credit Department will review it and I should receive a letter within 7-10 business days. I asked XXXX to make sure to add a note for the Credit Department that this increase is related to the initial application. It doesn't appear that XXXX entered that note because I later received a letter from Citi stating the account was too new for an increase. My complaint is that a {$4600.00} credit limit seems incredibly low for a " XXXX '' cardholder. My credit score was between 750 and 800, on-time payments, no bankruptcies.
Consumer complaint received 2022-10-24
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: SANTANDER HOLDINGS USA, INC. (TX)

Hello, I have attempted to settle matters with CHRYSLER CAPITAL XXXX telephone calls and certified mail, after my property has been unlawfully stolen and resold. CHRYSLER CAPITAL is a debt collector and they have billed myself, the consumer in error pursuant to 18 USC 8 and 15 USC 1666. They have not perused legal matters to take ownership of my vehicle. I have called and asked to speak with the CFO, and or THE attorney representing CHRYSLER CAPITAL, but i was told that my findings were incorrect and inaccurate. CHRYSLER CAPITAL has forged my signature on multiple documents in the process of obtaining payment for my vehicle. I did not give them consent nor agree in a formal written request for them to take my car and resell/auction it. I hold Sole title and owner Position to my stolen vehicle. I also asked CHRYSLER CAPITAL to forward me an original contract including my signature and their signature executed and they have yet to provide that forgoing evidence. I have no original promissory note with CHRYSLER CAPITAL. I have also ceased and desisted all verbal communication with CHRYSLER CAPITAL via certified postal mail. If i fail to receive remedy, legal actions will be perused.
Consumer complaint received 2018-05-25
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (NY)

Went to Quicken loan website to research loan options but they collected my information and did not provide me details as advertised but want me to talk to some, this was not clearly stated from their wesite, here is the conversation with them Info at XXXX, XX/XX/XXXX : A team member will be with you shortly. 
Info at XXXX, XX/XX/XXXX : For your security, if you would like to close the chat session please click the " X '' button on the top right of the chat window. 

You are now chatting with XXXX XXXX. 
XXXX XXXX at XXXX, XX/XX/XXXX : Hi XXXX, how are you doing today? 
XXXX XXXX at XXXX, XX/XX/XXXX : Hi XXXX XXXX at XXXX, XX/XX/XXXX : why did the website not provide me the availble rates even after taking indformation from me XXXX XXXX at XXXX, XX/XX/XXXX : this is false advertising XXXX XXXX at XXXX, XX/XX/XXXX : Let me go ahead and pull up your profile here. I can get you all of that information XXXX XXXX at XXXX, XX/XX/XXXX : How are you doing today? 
XXXX XXXX at XXXX, XX/XX/XXXX : I did not want to chat but research data myself XXXX XXXX at XXXX, XX/XX/XXXX : and that is what the website said XXXX XXXX at XXXX, XX/XX/XXXX : I am very disappointed with Quicken loans XXXX XXXX at XXXX, XX/XX/XXXX : if they can falsify to start with then why will I weven go with such a company XXXX XXXX at XXXX, XX/XX/XXXX : Sorry to hear that XXXX, the reason the site has you speak to a banker is because every client qualifies for different options. We want to make sure we get you the best options available to YOU. 
XXXX XXXX at XXXX, XX/XX/XXXX : You are able to get the rates but you have been stopped to speak with me in regards to your application so that is what I am assisting with right now XXXX XXXX at XXXX, XX/XX/XXXX : I am here to help you with your inquiry XXXX XXXX at XXXX, XX/XX/XXXX : so ou are acknowledging that the website gave false information XXXX XXXX at XXXX, XX/XX/XXXX : That is not what I am saying. I am saying that there is an issue somewhere on your application and I am going to see what our problem is XXXX XXXX at XXXX, XX/XX/XXXX : this just very deceiving behaviour XXXX XXXX at XXXX, XX/XX/XXXX : I am sorry you feel that way, would you like to speak with our client relations team? 
XXXX XXXX at XXXX, XX/XX/XXXX : this leads me to believe that the same will happen during application process XXXX XXXX at XXXX, XX/XX/XXXX : being a financial company trust is key XXXX XXXX at XXXX, XX/XX/XXXX : Of course, would you like to speak with our client relations team?