davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-09-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (NC)

On Saturday, XXXX XXXX, XXXX, I attempted to deposit {$40.00} in cash to an ATM at the XXXX XXXX XXXX Wells Fargo in XXXX, NC. The ATM accepted my money, closed the deposit slot, then malfunctioned. The message on the screen stated that the ATM could not process my transaction. The money was not credited to my account, and the machine did not return my money. 

I called the customer service line immediately to file a claim. The person who assisted me was rude and did not seem to want to help. She told me she filed a claim, but did n't actually complete all of the information. On Wednesday, XXXX XXXX, the agent 's supervisor called me and told me they had not started to investigate my problem yet. Finally, the claim was filed, XXXX days AFTER I reported the incident. I believe the bank should incur a penalty for not starting the investigation immediately. 

On XXXX/XXXX/XXXX I called the branch where the incident happened. They said they could not help me. I called the claims department of Wells Fargo again, and they told that they are crediting my account. I will believe it when I see it. They also claim that they have 10 days to investigate. I am not sure why it takes so long to correct a machine malfunction. I am also not sure why the bank is refusing to pay me interest on the money that they kept without my permission for XXXX calendar days. Every single person I dealt with treated me like a nuisance instead of a customer. 

I have spent an incredible amount of time trying to get this problem resolved. I have been lied to, dismissed, disrespected, and treated like trash. I did n't do anything to create this issue, and I do n't understand why the bank could n't even apologize for causing me so many headaches. As of now, I still do not have the money back.
Consumer complaint received 2024-01-15
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. (MD)

Experian Credit Report is reporting a account on my credit file from a company named XXXX, this account does not belong to me and I have requested documentation such as the original contract, paperwork etc that proves this account belongs to me. I have requested this information several times for the past 3 years. This account has been reporting on my credit files almost 7 years. XXXX and XXXX has already removed it from their files. Under the Fair Debt Collection Practices Act ( FDCPA ), a debt collector must respond to a request for a debt validation letter. If they don't, they're in violation of the act The company name is XXXX under account number # XXXX
Consumer complaint received 2022-08-14
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: Experian Information Solutions Inc. (OH)

I have asked for XXXX to verify the accounts but I still found some inconsistencies with these accounts with XXXXXXXX XXXX  # XXXX XXXX Account # : XXXX XXXX XXXX Account # : XXXX XXXXXXXX XXXX  Account # : XXXX There is still inconsistencies even after they verified the account. 
According to the Fair Credit Reporting Act 15 U.S. Code 1681 Section 604 A Section 2 It states that a consumer reporting agency can not furnish an account without my permission.
Consumer complaint received 2022-08-14
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. (OH)

I have asked for XXXX to verify the accounts but I still found some inconsistencies with these accounts with XXXX XXXX  # XXXXXXXX XXXX Account # : XXXX XXXX XXXX Account # : XXXX XXXX XXXX  Account # : XXXX There is still inconsistencies even after they verified the account. 
According to the Fair Credit Reporting Act 15 U.S. Code 1681 Section 604 A Section 2 It states that a consumer reporting agency can not furnish an account without my permission.
Consumer complaint received 2024-03-04
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (VA)

To Whom It May Concern : At XXXX XXXX on Friday XX/XX/XXXX, I received a notification from PayPal that autopay was used on my account in the amount of {$100.00} from XXXX XXXX XXXX XXXX XXXX. I immediately reported the transaction as unauthorized and fraudulent. I purchased from the vendor in the past, but only on a limited and individual basis without ever authorizing autopay or automatic orders. This is confirmed after reviewing previous orders and transaction history ( prior purchase in XXXX was for XXXX ). I didnt even have an account that could be accessed within the vendors store front until the notification. After looking at online history at the site, I have no receipts or transactions in which autopay or subscription was used or authorized. Further, the vendor sent an email to my account at XXXXXXXX XXXX falsely stating that I forgot something at checkout. This is false because I had no account, nothing has been purchased for over a year, no subscriptions or autopay were authorized, and nothing was in checkout on the site. The fact is that the vendor enabled autopay on an unauthorized transaction based on purchase history without my consent. Research shows there is a strong trend of increasing fraudulent transactions made by this vendor against consumers who have merely purchased from them before, evidenced by the XXXX, a reputable institution : XXXX  : XXXX XXXX. A stop payment and fraud escalation has been requested with my bank and PayPal. XXXX has been notified of a rejected shipment. The case has been reported to XXXX XXXX ( report XXXX ), and the Offices of the State Attorneys General of CA and VA. 
PayPal has immediately closed the claim and refused action without any acknowledgment of the facts. The seemingly automated and algorithmic response from PayPal comes as a complete and very disappointing surprise after having been a loyal paying customer for nearly 25 years.The reply from PayPal below also appears to be part of the problem in which vendors are now aware that they can fraudulently enable autopay on previous consumers without their authorization, any ramifications, or proper fraud protection. Additionally, I am contacting my Congressmans office to inform him of the increasing need to hold PayPal and its executive management accountable for fraud prevention and consumer security when their lacking care, concern and controls to protect customers are are at the heart of the matter. Thank you for your excellent support, as always. Your time is very much appreciated. Sincerely, XXXX
Consumer complaint received 2020-09-02
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Essential Retrieval Group (TN)

On XX/XX/2020, I began to receive calls and voicemails from " XXXX XXXX '' representing " ERG '' and " XXXX XXXX '' that I was being served for a debt and needed to be home and present two forms of ID to " receive important paperwork. '' No one ever came to my home to present me with paperwork. During one of the phone calls, I asked for an address and fax number so I can verify information on XXXX and their representative would not provide me with this information. they wouldn't provide me with information. I called persistently to receive this information and demanded that they validate the debt they were attempting to collect until they blocked my number. Then, I began to receive derogatory phone calls and voicemails from XXXX XXXX XXXX XXXX XXXX, stating that I was " a failure '' for not satisfying the debt and other callous statements.
Consumer complaint received 2020-05-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I have submitted several factual disputes regarding an account that is appearing on my credit report, and have not receiving documentation that was requested showing a contract between myself and XXXX XXXX XXXX  from neither XXXX or TransUnion. This account has been deleted off my XXXX Credit Report and I believe that both XXXX   and TransUnion should remove it as well because I have not received documentation that was requested showing that there was a contract.
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MoneyLion Inc. (SC)

I called and spoke with a representative on XX/XX/year> and asked how long would it take for the account to reflect as paid on my credit report. The representative explained that it could take up to 90 days to reflect and that is not acceptable. I paid this account in full on XX/XX/year>. The representative did put in a request on my behalf to get a letter head stating the account was paid in full. However, the credit bureaus wont update the account until the company sends in the update.
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (MS)

XXXX has identified LexisNexis as the furnishing agent of the invalidated and incorrect information of bankruptcies being reported to my consumer reports. They are in direct violation of 15 USC 1681b. They do not have permissible purpose to report any information. They have not verified nor validated any information. If they proclaim to have done so then they are committing fraud because the courts have stated that they do not furnish data. They do not verify any information, so how did they validate that the information being reported was 100 % correct? This is a violation of my privacy and has hindered my ability to access credit which is my natural right as a consumer.
Consumer complaint received 2024-03-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc. (CA)

I've been calling for two months whenever I have a chance and I tried to get a hold of somebody in order to use the money. I've given them to apply it to the mortgage rather than to future payments. They won't answer the phone.. A robot answers and it keeps asking me the same question what do I want and I try to explain and it tells me oh you want your loan information and I already know my loan information that's all they keep doing over and over. It's been a loop. I can't even tell you. I'm so upset I can't even think right now it's : Mr. Cooper XXXX XXXX What their doing is criminal. They have my mortgage and all my money and I can't reach anyone.
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: SYNCHRONY FINANCIAL (TX)

SYNCB/PPC reported inaccurate information to XXXX, XXXX, and XXXX. This inaccurate reporting is causing me problems obtaining accurate information about my personal banking history and account statuses. 

Per the attached copy of my credit report, the items that are inaccurate are the Date of Last Payment, Date Last Active, Last Reported, Payment Status, and Date Opened.
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Exeter Finance, LLC. (CO)

REQUESTING TO REMOVE ADDRESSES FROM MY ACCOUNT. INACCURATE ADDRESSES ARE LEAVING ME SUSCEPTIBLE TO CONTINUED IDENTITY THEFT. PLEASE DELETE OLD ADDRESSES AS LISTED BELOW : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-06
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc (OH)

XX/XX/XXXX Opened account with venmo. MADE SURE my identity was verified.connected account with plaid through the venmo portal. BANK ACCOUNT WAS VERIFIED AND CONNECTED. I AGAIN MADE SURE MY ACCOUNT WAS GOOD TO GO AND WAS READY TO USE. TRIPLE CHECK MY IDENTITY WAS VERIFIED. RECIEVED MY FIRST PAYMENT of XXXX from a known person who Is a verified account holder through venmo. I TRIED TK TRANSFER SAID FUNDS TK MY BANK ACCOUNT. IT FAILED SENT A XXXX XXXX PAYMENT BACK TK THE PERSON WHO SENT ME MONEY JUST TO SEE ID XXXX WAS WORKING. IT WENT TROUGH JSUT FINE I AGAIN TRG TO TRANSFER THE FUNDS I RECIEVE AND EMAIL STATING MY ACCOUNT WAS FROZEN PENDING IDENTIFICATION VERIFICATION. I Immediately send in all required documents plus a bank statement and a photo of me holding my ID card. I email and ask what policy I broke and for a time stampe of said violation. I only receive automated responses XX/XX/XXXX I reach out again asking what policy I broke to get no answer. I continue to request information and I am dismissed until XX/XX/XXXX When I receive an email statement saying my account was resolved and restored. I try to transfer fund again. To which I find I can not still. I again send a XXXX XXXX payment and XXXX XXXX XXXX  payment to friends to see if my account was working. I try to transfer funds again to which I can not do. I Immediately received an email stating my account was again frozen pending identity documents. I forwarded all past emails and resend documents. Plus bank statements I request information on what policy I broke I only received automatic response I continue to asks what I can do to fix my account ibget no different information. XX/XX/XXXX I received an email stating my account was permanently banned and they will hold my funds for 180 days then decide if I can receive them or not I have requested documentation of what policy I broke and times stamps I have submitted all documents They will not help me at all. XXXX may not be a lot of money to some people but to me it's detrimental. Please help XXXX They have told me they will not communicate with me any longer they are doing this to account holders I'm mass amounts
Consumer complaint received 2024-03-06
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (NV)

I received {$100.00} gift card, when I opened the card had some scratched on four numbers, like it was intentional damaged. I tried to use the card and had error. I called the company Vanilla Visa Gift CardXXXX. They refused to help, they said nothing could be done, I asked to review the last transaction. or why new card had scratches. 
The packaged was closed and sealed. This was used XXXX balance card sold for {$100.00}
Consumer complaint received 2024-03-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Conn's, Inc. (TX)

Medical amount owed on credit report {$1500.00} I called and gave my social and couldn't be verified in system and they have yet to take it off of my credit report. 
XXXX XXXX amount owed on credit report is {$590.00} I don't even have a driver license to drive so I would not need insurance. 
XXXX University amount owed on credit report is {$1300.00} I had enough pell grant amounts plus subsidized loan to cover everything, They decided to put this collection on MY credit report after I had to withdraw myself due to family issues. 
XXXX XXXX amount owed on credit report is {$200.00} never had I had XXXX XXXX in My life there isn't one where I live. 
Conns Everything was paid off at the store in XXXX XXXX Tx cash so this needs to be removed because it is affecting me.
Consumer complaint received 2024-03-06
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY (CA)

I had misplaced my debit card and i usually use my XXXX XXXX. I thought somehow my debit card was around but then i started noticing weird things happening. XXXX {$500.00} transactions were withdrawn from my checking making me negative then i see {$1000.00} from my savings i even noticed that they tried depositing a check. So i called Wells Fargo filed a claim i called back to follow up and they stated they can not help me and can not tell me why. Please help
Consumer complaint received 2024-03-06
Product: Debt or credit management — Mortgage modification or foreclosure avoidance
Issue: Confusing or missing disclosures — 
Company: GUARANTEED RATE INC. (TX)

Im confused about WARRANTY DEED and NOTE both of them are stating contradictory statements on my Note its state I have a promise to pay {$270000.00} to the Lender GUARANTEE RATE , INC., A DELAWARE CORPORATION but on my WARRANTY DEED states ( {$10.00} ) was given to the a note of even value of the principal amount of XXXX. Im asking why are the two statements not being valid on the same amounts. The property in question XXXX XXXX XXXX XXXX XXXX XXXX Tx. XXXX. Im asking how was XXXX, XXXX and XXXX XXXX Affiliated in connection with the NOTE or WARRANTY DEED which whom neither is stating their affiliation.
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Amsher Collection Services, Inc. (PA)

I am writing to you regarding unauthorized inquiries on my credit report that are associated with numerous companies. As a victim of identity theft, I recently discovered multiple inquiries on my credit report that were not authorized by me. I have taken immediate steps to address the identity theft issue and have active alerts on my profile to prevent further unauthorized activity.
Consumer complaint received 2024-03-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC (SC)

Transworkd inc sent repeat emails for me to pay this debt off for XXXX  XXXX and gas. I called and asked repeatedly if I pay this would this be deleted and I get a pay deletion letter. I paid this debt and they did not send the letter and hey also just put the account balance to XXXX instead of deletion. I am very hurt as this destroyed my credit taking it down XXXX points. I am upset and very disappointed in this situation. Thats is bad business. I am a low income household trying to do the right thing.
Consumer complaint received 2015-08-17
Product: Credit card — 
Issue: Payoff process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I just received a new XXXX credit card from Bank of America. You can see all your credit card information on Bank of America 's normal website, which is the same site that contains all of my Bank of America bank account information. So far, so good. I can do anything, including one time payments to my XXXX credit card on the website. Except for one thing : I ca n't set up autopay through the site. I called the number on the back of my credit card and the representative said that the website is n't designed in any easy way to allow this. Indeed, the best way was to go to another website, which no one would know about without calling them and waiting. This worked, but I have never seen anyone issuing a credit card so clearly and purposely make it so difficult to set up autopay. I suspect the reason this is being done is so that fewer people will set up autopay and therefore they will be much more likely to end up paying interest fees. This just seems wrong to me.
Consumer complaint received 2016-12-10
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Our address was used by XXXX unknown people to open a BoA debit MasterCard. Neither has any connection to us or property we have owned for 30+ years. The XXXX envelopes arrived XX/XX/XXXX and we immediately notified BoA by phone conversation and by email, requesting 1 ) closure of the account, 2 ) notification to us that the address was limited to only the XXXX of us, and 3 ) explanation of how BoA eliminated any verification before allowing the fraudulent use of our address. We have had no response from BoA, despite several further calls to its " representative '' XXXX XXXX of XXXX XXXX XXXX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. He assigned it case number XXXX in a letter dated XX/XX/XXXX, however we have had zero update or resolution from either him or BoA despite this urgent and aging fraudulent identity issue.
Consumer complaint received 2024-03-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: OLD NATIONAL BANCORP (FL)

Old National Bank, XXXX, IL Allow debit card to be used over account limit as a " courtesy. '' I was told to cancel this practice, I have to go into a bank branch and sign off. I live in Florida, there is no branch here. If charges come through over the weekend, they are pending. On Monday, overdraft charges on Every transaction hit at the same time I receive notice of overdraft ( " You have a notice ... '' ) When I call phone center, they say they can Only remove three charges ; that I have to call the branch I opened my account at ( the bank wasn't even the same name when I opened it years ago ). I called the branch and was rudely told if they removed three charges, that's all I get. I am in the process of closing my account by cancelling my direct deposits.
Consumer complaint received 2024-03-03
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc. (PR)

Hello, I could not pay my debt to my landlord on time for {$820.00} and I sent it to the national credit systems collection agency and they are charging me {$1000.00}. I don't know why else they sent a letter to my house offering a fifty percent discount of {$540.00} to resolve the debt and they deceived us, they do not want to erase the debt from the credit history because they want us to pay everything. Sorry I am use a XXXXXXXX XXXXXXXX  for this.
Consumer complaint received 2024-03-03
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Affirm Holdings, Inc (FL)

Affirm.com has called me repeatedly, sometimes in excess of 10 times in a day, for months. I contacted them via XXXX on XX/XX/17 showing them screenshots of the calls and that I wish to no longer be contacted. They stated the numbers are not Affirm.com numbers, but when you search the numbers they lead directly to Affirm. I was not only lied to by this representative, but my request to not be contacted was never honored. In a week span I counted over XXXX calls at one point from Affirm.