davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-14
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: WELLS FARGO & COMPANY (FL)

XXXX XXXX XXXX / XXXXXXXX XXXX XXXX Open XX/XX/XXXX {$450.00} was spent unauthorized, This account wasn't approved by me. Please remove and delete this account from my report. 
XXXX. XXXX XXXX / XXXX -Open XX/XX/XXXX {$860.00} unauthorized balance and incorrect. I Make on-Time payment there shouldn't be any open balance. Please remove and delete this negative remark. 
XXXX. XXXX XXXX  XXXX XXXX / XXXX XXXX XXXX - Open XX/XX/XXXX {$4600.00} This account was broken due to covid-19. my job was slow i was layed off so i couldn't keep up with my lease. I also was making on-time payments. I was never late. can you please remove and delete this negative remark. 
XXXX.Wells Fargo Bank  XXXX Open XX/XX/XXXX {$110.00} This account was unauthorized. This account was not authorized by me. This account is outdated this should not be on my report. 
5.DEPT OF EDXXXX XXXX Closed XX/XX/XXXX This is a duplicate account showing on my credit report not only that this account is 14 years old why is this on my report this is hindering my credit report. 
XXXX. XXXX XXXX XXXX XXXX  - Open XX/XX/XXXX {$0.00} This account was not open by me. I didn't authorize this account to be open. This is not my account or have rights to this false account. 
XXXX. XXXXXXXX XXXX  XX/XX/XXXX Unauthorized inquiry i didn't apply for anything. Misused. 
8.DEPT OF EDXXXX XXXX - Open XX/XX/XXXX {$17000.00} As you can see i have outstanding on time payment history my joy was laid off and i also was going through a disaster at the time. can you please remove the missed payment remark. I am more responsible to make on time payments and this is very important to me.
Consumer complaint received 2019-04-03
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: WELLS FARGO & COMPANY (MT)

On XX/XX/XXXX XXXX XXXX XXXX XXXX made a charge for {$520.00}. 

On XX/XX/XXXX, I filed a dispute with Wells Fargo for the amount of {$520.00} The merchant failed to complete the service for a XXXX XXXX. 

Wells Fargo Requested paper work that we were using another Dentist to complete the work since XXXX  XXXX XXXX XXXX would not complete the XXXX XXXX unless paper work was signed giving up the right to seek legal action based on their medical opinion. 

Paperwork was submitted to Wells Fargo as requested. 

Wells Fargo sided with the merchant even though the service was not completed. 

The Charges were added to my card again on XX/XX/XXXX Wells Fargo Case Number XXXX
Consumer complaint received 2021-11-30
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: EQUIFAX, INC. (LA)

This agency is in violation of 15 U.S.C. 1692g. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report.Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company. I will also be seeking litigation and {$1000.00} per violation. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ). 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( C.D.Cal. XXXX XXXX, 1995 ), you may be liable for your willful non-compliance.
Consumer complaint received 2019-04-03
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: U.S. BANCORP (CA)

I received a letter from Fedility and invite me to open their Fedility rewards credit card. The letter said if I spend {$1500.00} in eligible net purchases within 90 days of account opening and will earn {$150.00} cash back.

I did what they requested however still do not see the {$150.00} cash back ever been paid. I contacted their customer service couple time but never get a response when I will receive the bonus.
Consumer complaint received 2022-10-27
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (CO)

On XX/XX/2022 I received and did a standard transfer of money that someone is paying me for photography in the amount of {$500.00}. It said it would take XXXX business days and est day of arrival was XX/XX/2022. On XXXXXXXX XXXX XXXX I noticed that it was still in pending status and no money had dropped. I called and spoke to the bank and was told nothing is coming through. I then called customer service of venmo and was told that it would drop later that night or in the morning. Because his vague response with no explanation I had my XXXX XXXXXXXX call in which he got a gentleman who told him that the funds were in fact held by a federal agency and that he would put in a request to the engineers to have the money release because it was past the day legally they could hold the money. He would not give anymore information. Then I called back later in the evening and spoke with another gentleman who told me that it was in fact a review by venmo, they had a glitch on XX/XX/2022 and that he didn't know when it would be released. Unsatisfied I asked to speak to a manager and that manager in fact told me that it was totally Venmo 's fault they had a issue and that the engineers were trying to find a fix. He said that the money would be released to my bank by XXXX or XXXX the following morning. Now my bank the way all transactions work with venmo is the moment they are released it comes into my bank as a pending status and doesn't release until the XXXX. So at XXXX today I called the bank there is no money in route they can see. I called back Venmo in which I spoke to a gentleman, XXXX and a supervisor XXXX XXXX They said that oh well yes it was a venmo issue and that the money was not released when they said. That as of today sometime the money will be released and I should get it by XXXX XXXX. That is {$500.00} that they are holding and the way the call ended was him saying " there is nothing we can do for you '' The below transaction was never done as it states by venmo
Consumer complaint received 2022-10-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA (MO)

I requested a complete history of my payments so I can apply for XXXX after my XXXX XXXX XXXX loans are separated under the new Law XXXX just signed. They have not provided the requested info and time is running out.
Consumer complaint received 2022-10-27
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: EQUIFAX, INC. (CA)

I am a natural person, I am a living human being, I have USC 1681 Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed be removed because According to 15 USC 1681 I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-01-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Aspen Yo LLC (NJ)

I do not receive mortgage statement neither by mail or emails, none available. I am not able do online or by phone payments. no response to any of my emails and certify letters. Erroneously my XX/XX/2020 mortgage payment was applied towards my loan balance principal and this has caused their records to be a month behind. Mortgage modification information.
Consumer complaint received 2019-04-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: EQUIFAX, INC. (GA)

I was involved in the security breach with Equifax credit bureau. As a result, I had the credit monitoring service Trusted ID Premier under Equifax for a certain period of time. When the time expired, I was given an option by Equifax to sign-up for XXXX XXXX under XXXX. At the time, I signed-up for ID Notify, there were a number of technical issues that I experienced when activating the account on their website. It took me several hours to sign-up for XXXX  XXXX because of the technical issues that I had with its website. 
About a month later, I attempted to log into XXXX  XXXX to review my account but was unable to do so. After several attempts to log into XXXX  XXXX unsuccessfully, I contacted XXXX. I spent about an hour trying reach a customer service representative to speak with because I continued to get automated responses. The customer representative for XXXX that I spoke with worked with me for about 30 minutes to log into the XXXX  XXXX site. When she was unable to assist me with getting into the site, and told me that it would be escalated to their Technical department for further help. The XXXX  XXXX customer service representative never indicated, at any point, that the account had not been activated completely from the beginning. Several weeks later when I had not received a telephone from the Technical Support representative at XXXX, I contacted them again on XX/XX/2019. It was at this point, I learned that the account registration had not been competed for some reason and as a result, it was not activated. I learned that even though I had technical issues with the XXXX XXXX website that the credit monitoring service could not be provided. The supervisor, XXXX, also indicated there was nothing that could be done to allow me access to the credit monitoring service, XXXX XXXX, because of Equifax 's policy. She suggested that I contact Equifax, and when I did, there was nothing that could be done even though it was a technical issue. This time I spoke with XXXX, of Trusted ID Premier, at Equifax, who was unable to provide me with assistance to correct the issue because of the technical problem. 
It is unfair that I am unable to receive the credit monitoring service with XXXX due to a technical issue with their website. Each company representative " blamed '' it on the other. And, it was not easy to reach a " live '' representative with the telephone numbers provided. I spent a considerable amount of time working with an automated system and speaking to individuals that I could not understand. I find it hard to understand that a company such as Equifax and XXXX has no way to correct a technical issue that did not allow my account to be activated. 

If in the future, there is a class action lawsuit against both Equifax and XXXX for security data breaches, I would like to be included.
Consumer complaint received 2022-10-27
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: BROKER SOLUTIONS, INC. (NV)

My name is XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX 
XXXX, XXXX XXXXXXXX Acct # XXXX Previous Complaint # XXXX I am sending additional information regarding the monies stolen from me during this transaction. XXXX, the dollar amount was incorrect after going back over our Mortgage XXXX paperwork we discovered well above {$200000.00} was stolen. As stated in complaint : XXXX we place a contract on our current home XX/XX/2021 and closed XX/XX/2021 because of the lack of communication and staleing on the behalf of XXXX XXXX XXXX XXXX became very irrate when he was called of asked specific questions and because I chose to pay off Approximatly {$100000.00} in debt after we sold our home on XXXX XXXX XXXX XXXX in XXXX day in XX/XX/2021. We wrote the contract as a XXXX month rent back. 

However, we were kicked out of the home with a XXXX week notice because my realtor XXXX XXXX who became friends and business partners with XXXX XXXX was giving incorrect negative information to the purchasers of our home where we were renting. After examining thee Mortgagse summary we noticed only {$30000.00} of the gifts monies was on it howerver we also was gifted {$20000.00} were there is no documentation of it. 

Additionally, As I informed you we had to stay in a hotel XXXX for XXXX weeks on our dollar because of the failed lack of a contract or a interest rate being locke in XXXX XXXX locked the interest rate a day or XXXX before we closed. However, we were never asked if we agreed to buy down a high interest rate of XXXX XXXX to XXXX XXXX. After speaking with another mortgage broker and showing him my mortgage summary documents. I understand this was to be disclosed to us and we shoul have sign a document agreeing to a high rate interest rate. We didn'nt however XXXX XXXX and XXXX XXXX together put this entire scnerio together att to make us lose the home by giving us a sub-prime mortgage which has just been transfered the third time through financial institutions. 

We had to go to a hotel and the sellers allowed us to place our things in the new home garage because XXXX XXXX told them the loan was'nt going to close. We got this information directly frorm the sellers and the husband told me he threatened XXXX and cursed him out and have choose not to deal with him because he said he was a lyer and not on our side during our purchase. Food and hotel was approximatly {$4000.00} which needs to be added to the other stolen monies
Consumer complaint received 2022-10-27
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: JPMORGAN CHASE & CO. (TX)

I applied for the Chase Explorer MileagePlus card based on a direct mail promotion that required {$2000.00} in spend for XXXX bonus miles. Instead they gave me a different offer that required {$3000.00} in spend which I didn't meet in the time frame. I wasn't instantly approved, it took longer than expected to receive the card. 

I spoke with XXXX ( a supervisor ) on XXXX and she told me the request for adjustment would take XXXX  days or so. Took much longer to hear from them. It took until XX/XX/XXXX to receive the answer they would not meet the terms of the offer I applied for. 

I escalated to XXXX in XXXX, MO, her leader XXXX XXXX also in XXXX, MO and XXXX XXXX in XXXX complaints ( XXXX XXXX ) after receiving the letter. 

My invitation number was XXXX. I need to apply by XX/XX/2022, which I did. The code above my name XXXX Since I met the requirements for the offer I applied for, I am requesting that the bonus miles be applied.
Consumer complaint received 2021-03-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Paypal Holdings, Inc (DE)

I have a VENMO Debit Card and they had an offer if I made a purchase at XXXX or in the store I would get a {$20.00} statement credit. This charge was made on XX/XX/15 and I have yet to receive the $ @ XXXX statement credit. I have emailed them any times and get a different answer each time with no path to resolution.
Consumer complaint received 2022-10-27
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY (NV)

I went online to Wells Fargo give my XXXX driver 's license information address security numberand date of birth and it couldn't confirm my identity. 

I think they're trying to XXXX me around because I'm an account way in the past and they're jacking me around.
Consumer complaint received 2018-03-28
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: U.S. BANCORP (AZ)

Reference current/unresolved complaint against XXXX XXXX, cfpb Complaint $ # XXXX filed XX/XX/XXXX. XXXX has sent the chargeback to US Bank putting my checking account overdrawn by the disputed amount of {$720.00} which was charged on overdraft fee of {$36.00} for a total of {$760.00}. Please refer to the cfpb Complaint referenced above. I believe the client is engaged in fraudulently keeping the two custom tables I made and shipped to her as well as procuring a complete refund via a questionable chargeback claim. As a result of this fraudulent chargeback, XXXX XXXX via We Pay has debited my US Bank account. I have tried to rectify this chargeback/overdraft with USBank with no action on their part. Also, I have never authorized, nor signed up, for overdraft protection with US Bank. My major concern is that my Social Security benefit will be direct deposited on XX/XX/XXXXinto my US Bank checking account. With the existing overdraft, my check will be wiped out leaving me no funds for the month of XX/XX/XXXX. The circumstances at this point in time make this my only source of income.. According to Section 207 of the Social Security Act ( 42 U.S.C. 407 ) my Social Security benefits are protected from garnishment by US Bank or XXXX XXXX. US Bank at this point in time is intentionally slow walking remediation. They have refused to expedite the manner in any way other than by mailing a form to me at their convenience. They are in effect preventing me from submitting the necessary information to mitigate this fraudulent chargeback. US Bank is not guaranteeing me protection of my Social Security funds and has alluded that they will use them to offset a chargeback they were not authorized to make.
Consumer complaint received 2019-04-02
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: EQUIFAX, INC. (TX)

Equifax and XXXX are reporting incorrectly that I am 60 days past due on the XXXX account. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference page 5 of the attached credit report. This account reports a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. These accounts are currently being coded as an I5. Please change the coding to I1. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Consumer complaint received 2021-09-09
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc. (MO)

I had returned a phone to this company in exchange for a different phone. They never credited {$500.00} for the phone I returned to their store. I disputed this with them several times to no response. This was the reason I decided to not use the phone service,
Consumer complaint received 2022-10-14
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: U.S. BANCORP (MT)

On XX/XX/XXXX, I received a letter from US Bank stating that due to low activity my checking account was going to be placed in inactive status. This letter has been the only communication I received from this bank for this account in the last 2 years. I called the number provided to find out more information. 

I found out that the bank has been taking out a maintenance fee of {$24.00} every month since XX/XX/XXXX without my knowing. I have not received any emails from them on the change and I have not received any paper statements. 

Too date, they have taken out XXXX fees for a total of {$440.00} without XXXX word of communication from them. 

When I called them, were unwilling to reverse the fees. It is completely unfair that they would take out maintenance fees and not send me any information about it. Again, I have received XXXX communication about this account at all- until this XXXX letter. 

This is unfair banking practices and unethical. 
I am asking for a return of the fees taken out.
Consumer complaint received 2022-10-27
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)

I have sent letters in about the account that I wanted removed. I have rights under 15 USC 1681. Equifax, XXXX and XXXX is govern by 15 USC 1681 and they have violated my rights numerous of times. I demand the account listed below to be removed because Im trying to build my credit and get a house and this one account is holding me back. according to 15 USC 1681, I have the right to privacy and I did not give Equifax and XXXX and XXXX a written perission to furnish these account. 

please remover this from my accounts please # XXXX XXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2019-04-02
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. (NY)

Hi My name Is XXXX. I have been a victim of fraud as I did authorize a lot of things being shown on my account. I have tried calling XXXX countless times as well as the credit card companies themselves and they just don't seem to get it. 

I was unaware as nothing was being send to my address. I don't know if a person was using my old information. All I know is I have been building my credit and it's saying I have all these Inquiry 's that I never did. I am unaware of. I never authorized. 

I am hoping that you guys can remove the following credit inquiry 's from my report as soon as possible as a courtesy as I am a victim. I have no problem proving who I am. I just want this fixed as you can understand it is hurting my credit. I have done nothing wrong. 

On XXXX It Is Saying I applied for XXXX/XXXX  on XX/XX/XXXX and XXXX/XXXX XXXX on XX/XX/XXXX both are fraud and I never signed or authorized anything. 

On Equifax It Is Saying I applied For XXXX  XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX all of which I have no idea and did not authorize anyone to make any inquiry 's. I have never seen these cards. Someone Is/Was trying to steal my information. I have sent an attachment of all the inaccurate information that I can see on my report.