davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-25
Product: Money transfer, virtual currency, or money service — Money order
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (CA)

Bankers  keep putting in charges incorrectly. Im no banker but seems money order charges go under a different fee schedule then with drawls. Attached is evidence of a banker named XXXX who sold me a money order and labeled the fee as a withdrawal. I never signed the withdraw form so Im interested to see if she took XXXX $ from my account anyways. They are blocking me from using my online portal. When I asked for the fee to be waived XXXX lied to her manager stating she asked me to take off my sunglasses and I refused. This is not true. Several of the bankers will make up lies like this to make it look like your being difficult. I was happy to take my glasses off. Nothing to hide. The manager was then rude to me. I notified her of the bank misreporting my funds and she acted like I was trying to get a free money order. 

I explained to her that if I cant trust the bank with my money I needed free money orders to pay my bill. She did not care at all that I reported loss money in my account. One of the rudest woman that doesnt deserve to manage a bank! So she set me up with an appointment to work with XXXX at XXXX on Monday. XXXXll be interested to see if theres an actual XXXX by the way I was treated by rude manager!
Consumer complaint received 2020-07-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (CA)

My mortgage company was with XXXX and now for the last 3 years it's with Mr Cooper Mortgage Co. Within the last few years they raised my mortgage payment 4 times and they always give the excuse it was due to escrow! 
Can you please look into this for me? 

Thank you, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, CA XXXX XXXX
Consumer complaint received 2020-07-05
Product: Credit card or prepaid card — Store credit 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. (FL)

On XX/XX/XXXX I placed an order from Macy 's online for a bottle of men 's colone in the amount of {$100.00}. When the package arrived I could see that it had been damaged. Upon opening the package I discovered that the bottle was damaged and the liquid had escaped. The broken bottle was empty. I immediately filed a dispute with Macy 's online. As of this date Macy 's has not responded to my dispute. It has been well over 30 days and they have not responded to my dispute nor given me a credit.
Consumer complaint received 2020-07-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A. (CT)

I was informed today, XXXX, the following dispute was closed : Debit Card Purchase XX/XX/XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX in the amount of {$160.00} .... A letter detailing dispute was not received by Citibank , according to rep spoken with in disputes dept.. As explained to rep, letters were in fact faxed to XXXX as well as mailed to XXXX XXXX  XXXX XXXX XXXX , SD XXXX. As I further explained to rep, the transaction appears to be a scam, the merchant claims the charge was declined at time of purchase, took the funds regardless, has not sent me item ordered ... The item is a XXXX XXXX XXXX, advertised on their website, it appears this is a XXXX scammer of some sort.. I've submitted a contact form inquiring about the charge, no reply received..There is no direct email or number to reach.. The rep whom took my claim at the time also agreed with me the merchant appears to be a scammer.. I've detailed entire information above in letters sent via fax as well as postal mail, I do not know why they were not received ... It appears there is a delay, possibly due to Covid-19.. The dispute ID for this transaction is XXXX. I request Citibank search their incoming faxes as well as postal mail for my letters or simply use the information contained here to move forward with dispute, issue a temporary credit, if possible.. I also request assistance with dispute ID XXXX, {$800.00} XXXX XXXX XXXX, do not have exact transaction date available to me, this item is in dispute for non-receipt of product which is also a XXXX XXXX XXXX.. It appears my dispute letter was received, according to Citibank rep, dispute still in process.. A rep I spoke with prior, on or around XX/XX/XXXX, stated a temporary credit would be issued on or around XXXX, it is now XXXX and no credit ... As detailed in letter, this item was deemed lost/stolen by XXXX, the shipping carrier, claim was supposed to be filed by shipper.. Unfortunately, the shipper is also out of country, located in XXXX, has not replied to my last email inquiring about XXXX claim and refund. A call to XXXX would be expensive and do not know if resolution would be made if called.. XXXX driver left package insecure location, without signature, there is no signature release, XXXX rep by the name of XXXX closed tracer out and advised me to have merchant file claim for loss, I emailed merchant several weeks ago, have not heard back in re.. This information is also in letter, received by Citibank. I believe there is some sort of delay due to Covid-19 on end of Citibank disputes team and or due to the fact these transactions are both foreign, difficulty in reaching the merchants in question..
Consumer complaint received 2019-05-30
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Neon Newco Corporation (AR)

I purchased a NetSpend card in 2015 I made a purchase use an online casino games and I also have been trying to use the car to get my government benefits which is social security my social is XXXX several counts has been in my name and I think there are still active and I asked them why I can't activate a card and they do not tell me anything they tell me I just can't open a car anymore I never did nothing to make them not accept me for having a car I filed a identity theft I'm with the city of XXXX XXXX Police Department on XXXX XXXX and when I got my report it came back identity theft was Financial off to NetSpend cards and I was the victim
Consumer complaint received 2021-04-26
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: TMX Finance LLC (ME)

On the following days I agreed to a charge of {$36.00} and have it via email : XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021. 

However, they've charged {$57.00} on each of those dates so far. I have no explanation for them charging almost {$20.00} additionally each payment date nor do I have it in writing for them to charge me this arbitrary amount.
Consumer complaint received 2018-04-04
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (VA)

My credit scores have been affected by the derogatory information on my credit file by several creditors. I have never given the creditor permission to report any information to my credit report, the information reported is not updated correctly, and according to the Fair Credit Reporting Acts Section 609 ( a ) ( 1 ) ( a ) I've asked for my original creditors agreement showing my original signature. Equifax has complied but XXXX XXXX and XXXX has not followed the laws.
Consumer complaint received 2018-03-20
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: EQUIFAX, INC. (FL)

Please be advised that I have received your response which you have received from Equifax, regarding your case/file # XXXX. In your response from Equifax, they stated that they are still working on the issues in question, in which case, also please be advised that my dispute with Equifax was originally filed in the beginning of XX/XX/2018 Since that time, they have removed the fraudulent charges from my account twice, and corrected my credit score, and twice reapplied those same charges, and dropped my credit score again. If that weren't enough, they also reapplied charges to yet another credit card, which had been payed in full, and had previously been removed from their page. I don't know what the problem is there, but this has been ongoing for more than sixty days, and every time that I contact them, they always tell me to file yet another dispute. Also, please be advised that Equifax has not indicated that there is any form of ( current ) investigation in progress.
Consumer complaint received 2018-04-04
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: KEYCORP (CT)

I am a XXXX and have been for 32 years. I am now forced to use Key Bank, as they took over from XXXX XXXX. My account has lots of O/D CHARGES, due to the way they process the checks and deposits. I have a on line account so that I can see everyday the account balance. I have not had a negitive balance at all. They have bounced several checks from XX/XX/18 and on. 
I was never notified and did not receive any checks back. The employees at the branch don't know any information and can not help me. At this point I feel helpless and do not know where to turn. Many people in this area have left the bank due to confusion on their accounts. I would appreciate your looking into this bank and it's practices.
Consumer complaint received 2020-09-01
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. (NC)

I was in a car accident, my car was a total loss and it was paid by XXXX  XXXX. There was a remainder balance of about {$500.00} that was paid by XXXX XXXX XXXX. Not too long after that, I received a check from XXXX XXXX for XXXX. 

The loan shows up on my credit as a charge off for {$15000.00} and its been very damaging to my credit. I called the creditor and they told me I needed to call the bureaus. I have disputed it and disputed it repeatedly, but it still remains. The car was paid in full and its showing as a negative on my report! 

No one will help me rectify this and XXXX has been less than helpful as well as the 3 bureaus.

I also believe that they committed FRAUD - I believe that they received TWO payments on my car and left me with a negative remark on MY credit. I think they go MY payment from insurance, and then claimed it was a charge off in order to get a SECOND payment on on totaled car.
Consumer complaint received 2018-04-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (NY)

In XX/XX/2018, Chase Cardmember services closed my credit card account, which I've had for more than 5 years and have always been in good standing with with no delinquencies. The reason they gave verbally and in writing was " only merchandise credits have been used to satisfy the balance on your account for more than 2 months ''. 

In this day and age of e-commerce where you may need to purchase a lot of items to keep one ( and then need to return the rest ), I believe this is an unfair practice. I also question whether it is legal to deny me / rescind credit for solely reason. I also believe that my credit score may be negatively impacted as well ( ratio of outstanding balance to available credit ).
Consumer complaint received 2020-09-01
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: OCMBC, Inc (CA)

XXXX Loan Application submitted with all required documentation XXXX Loan disclosures by the lender signed by us XXXX Closing disclosures signed. More documentation required after Closing Disclosures already signed XXXX Interest rate lock of 2.875 % expired XXXX 95+days after I submitted my application.. .my loan was 'still pending '. Due to inaction and endless/duplicate documentation request by XXXX XXXX XXXX and OCMBC, the lender, I terminated our loan application by email.
Consumer complaint received 2021-04-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: SYNCHRONY FINANCIAL (NY)

I received my XXXX  MasterCard on XX/XX/2021 after I actived it, I can not registered it or use it, it is not working, it said it is not supported or code is not valid, I called like 6 or 8 time to fix it, they are acting like I have a hacker that is using my XXXX MasterCard account and want to manipulate me, making me believe that After the card is active client have to wait few day to use the card. 
That happened with others ebay card but I cancelled rapid. But it is too much stealing my information to control the account, someone name XXXX said that my is restricted too.
Consumer complaint received 2020-09-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX To Whom It May Concern, Going over my credit report, I have found that there is inaccurate information listed such as my name ( s ) and address ( es ) in which I am requesting an investigation for the following erroneous items : I Demand Deletion of all these inaccurate names : - XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX I Demand Deletion of all these inaccurate addresses : XXXX XXXX XXXX XXXX XXXX FL, XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX XXXX XXXX XXXX XXXX NY, XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX FL, XXXX -XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX XXXX XXXX XXXX XXXX FL, XXXX XXXX XXXX XXXX  XXXX XXXX  MD, XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX My correct information is as follows and I have attached proper documentation to support my request : ( can send a utility bill etc. to show that you reside there and a copy of your licenses. 

1. My name is XXXX XXXX XXXX and should be spelled, FIRST NAME IS XXXX, MIDDLE NAME IS XXXX AND LAST NAME IS XXXX. 

2. My current address is : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Please delete the above disputed items and ( 30 ) days constitutes a reasonable amount of time for investigation. Per the Fair Credit Reporting Act, send me notification that these items have been deleted, as well as an updated copy of my credit report.
Consumer complaint received 2020-07-05
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc (NC)

I was trying to send {$60.00} to my friend, XXXX on XXXX XX/XX/2020. While I was placing the transaction, Paypal website suggested that I should check the box ( Payment for service ). They left no link to explain the consequences of checking that box. All they said is that there will be a money-back guarantee. But they never said at the time of the transaction that the recipient will be charged a fee. Essentially, they tricked us to buy their service XXXX Money-back guarantee ) without disclosing there will a charge for that. All banks would disclose the fees at the time of the transaction. They will all do the math & calculate the exact number of transfer fees if any. Only when the customer consents to that fee, then it becomes legit. Paypal didn't do that. The transaction didn't give me any warning of any fees. It didn't even explain what XXXX Payment for Service ) means. This dishonest practice is tricking many users. Paypal has to be transparent about their fees at the time of the transaction
Consumer complaint received 2020-10-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CMI Group, Inc. (TX)

Credit Management, L.P. is attempting to collect a debt that is not mine. They are finding my number online and using " associated number '' tactics to look for this person. I have stated to them countless times to not call me because I have nothing to do with the debt. I have not cosigned, I have not given them my number as a contact. They are just looking for numbers online and calling to collect the debt. This company is associating names and 'possible ' relationships and just calling blindly. They have been calling for months and is still calling my phone, after I have told them.
Consumer complaint received 2017-08-06
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: JPMORGAN CHASE & CO. (MI)

I called these companies to have all my inquiries removed because some one tried to apply for credit cards in my name and was not authorized to do so. Now these are listed as hard inquiries on my credit report with the 3 bureaus. None of the inquiries have been removed yet. XXXX XXXX- Hard Inquiry- XXXX XXXX XXXX- Hard Inquiry- XXXX, XXXX Chase Card- Hard Inquiry- XXXX, XXXX XXXX- Hard Inquiry- XXXX, XXXX XXXX- Hard Inquiry- XXXX XXXX XXXX- Hard Inquiry- XXXX XXXX- Hard Inquiry- XXXX
Consumer complaint received 2018-07-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (GA)

On XX/XX/XXXX, I had a positive available balance of over {$290.00}, prior to the following items becoming pending on my account : 1. {$42.00} - Restaraunt charge 2. {$25.00} - XXXX XXXX XXXX. {$32.00} - XXXX 4. {$35.00} - XXXX XXXX XXXX. {$5.00} All of these transactions extracted from my available balance on XX/XX/XXXX. However, when my direct deposit posted on today for XXXX, my available balance was showing {$3000.00}, which is incorrect because the account was only -XXXX on the evening of XX/XX/XXXX around XXXX because I checked my account during that time. Therefore, I believe I was double-charged on the transactions listed above and this is not the 1st time I have seen my account off with Wells Fargo. There have also been problems with debit transactions almost every other Friday on Payday for some reason. Are they taking my money in the backend Systems. I believe there something is going on with how Pending Transactions are initially debited from your available balance and then later debited again when it Posts such as in this case. These transactions were reduced my available balance on XX/XX/XXXX and should not have reduced my balance again when my Direct Deposit came through this morning for {$3200.00}. 

What is really going on here? There should be real-time accountability and True transparency along with a timestamp on each and every transaction which happens on anyones account and also during batch processing to properly reconcile your systems to ensure your programming software is not stealing from customers. This is a problem and we requesting our monies back for the above transactions.
Consumer complaint received 2020-09-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: JPMORGAN CHASE & CO. (CA)

I have 2 Chase Credit cards that have always been paid on time. In an attempt to get my house refinanced I paid down my credit cards to get my credit utilization percentage lower, so my credit score would go up. 

After making payments of XXXX they lowered my credit limit by the amount I paid. This caused my credit utilization to balloon to almost 100 % crushing my credit score and now I cant refinance. 

Credit card companies lowering credit limits and the impact utilization has on peoples credit is a crushing combination. This disproportionately affects the people who cant afford to pay down their balance which in turn affects the credit score making things more expensive. Ultimately this will increase defaults and push more people into poverty.
Consumer complaint received 2020-09-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Westlake Services, LLC (NC)

I was in a car accident, my car was a total loss and it was paid by XXXX  XXXX. There was a remainder balance of about {$500.00} that was paid by XXXX XXXX XXXX. Not too long after that, I received a check from Westlake Financial for XXXX. 

The loan shows up on my credit as a charge off for {$15000.00} and its been very damaging to my credit. I called the creditor and they told me I needed to call the bureaus. I have disputed it and disputed it repeatedly, but it still remains. The car was paid in full and its showing as a negative on my report! 

No one will help me rectify this and Westlake has been less than helpful as well as the 3 bureaus. 

I also believe that they committed FRAUD - I believe that they received TWO payments on my car and left me with a negative remark on MY credit. I think they go MY payment from insurance, and then claimed it was a charge off in order to get a SECOND payment on on totaled car.
Consumer complaint received 2020-09-01
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 been trying to get insurance on my vehicle for some time now. Every time I get a quote it either comes back to high or I am ineligible. When I ask why I get told that it could be that my credit history is not to good. I finally decided to pull my credit report and I found things on there that I have never applied for. These items are not mine. Please remove them from my report. XXXX XXXX XX/XX/XXXX XX/XX/XXXX {$1600.00} XXXX XXXX XX/XX/XXXX {$2200.00} XXXX XXXX XX/XX/XXXX {$1000.00} XXXX XXXX XXXX XX/XX/XXXX {$100.00}
Consumer complaint received 2021-11-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: Kikoff Inc. (KY)

I utilized Kikoff.com because they advertised they could improve credit by making small {$1.00} ( virtual currency ) payments that are paid automatically. They reported payments late to my credit report therefore damaging it. They claim auto was never set up. WHICH IS A LIE!!!! I reached out to them on XX/XX/XXXX asking them to correct the matter. They have refused. Their marketing and way of operating is quite confusing and misleading and their website is glitchy and not user friendly. The payments are supposed to be made automatically. This service is just another example of a predatory lender designed to prey upon the subprime market. They will not own up to their website possibly having issues that caused this unfortunate situation Im astonished and just wonder we keep letting companies like these harm us! I remained consistent and I was ignored eventually. What an insult!!!!!