davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-19
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (CA)

received word from Wells Fargo today that they are not going to honor my claim or request for compensation. The information they provided is conflicting with previous information that was provided due to other representatives. The representative that I was on the phone with today her name is XXXX, The only thing that she could say to me was Im sorry. Im sorry for other Wells Fargo employees providing an inaccurate information and lying to you. The additional information that she provided today was also conflicting with previous information I received from Wells Fargo stating that Wells Fargo was only limited to do a partial credit in XX/XX/2021 due to the fact of the time frame window which was 60 days. After speaking with the representative today she told me that it was not on Wells Fargo when I received a partial credit in XX/XX/2021 but the merchant. That is conflicting information that I was previously told by Wells Fargo. All of it is not adding up as this is not the first time that I have received conflicting information from Wells Fargo. Wells Fargo also stated that they had recorded conversations of me which I deny because I do not remember making those conversations as I explained it to the representative this morning that at that time I was still grieving for the loss of my 14 month old son that was killed in a car accident. Wells Fargo has made it a lot of in accurate statements and its still not taking responsibility for their actions over the past year that Ive been dealing with this situation. For over a year now Ive been lied to by numerous Wells Fargo employees and treated very poorly as a customer. Wells Fargo is still neglecting to take responsibility for a mistake that was made on their part and are observing themselves of any and all responsibility for their mistake and the way that they have treated me personally over the past year. The response of Im sorry from this representative does not fix the situation that Wells Fargo has put me in. Not to mention the stress and frustration but all of this has added not only on me but my family as well. I want this bureau to take action and make Wells Fargo pay for what they have done. Again numerous times that I have received conflicting information from Wells Fargo so that they can simply wash their hands with this and not take any responsibility for their mistakes over the past year. They are refusing to give me any kind of compensation and are denying everything.
Consumer complaint received 2021-05-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (PA)

I think this is now my second or third request. They keep locking my online account so I can not view anything. I did call once, and they indicated there was an old email address on file, I said yes, XXXX @ XXXX that is an email not in use any longer, then they re-activated my online account, but low and behold I go to log in again, and get the same error message to call them, l call, they ask 20 questions then say I have to mail something, I feel this is harassment because I have filed complaints against them for unfair reporting, they are reporting my credit as poor, and I have stellar payment records. 
I originally had a paid account and couldnt access it, so I cancelled that, now I can not log in at all. I want my information reset, I am sick of this you are the only company who keeps locking me out of my account what is your problem really??? 
What a XXXX
Consumer complaint received 2022-02-21
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: PNC Bank N.A. (PA)

On XX/XX/2022, there was {$4300.00} garnished from my joint account with PNC Bank without my authorization. 

I am personally not liable for the garnishment and have requested PNC Bank to release the funds several times, but they have failed to do so.
Consumer complaint received 2022-10-19
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: U.S. BANCORP (NC)

When I closed my mortgage in 2014 at a local bank here I was required to have PMI -private mortgage insurance. I have heard and read in countless places that this insurance is only required until a certain Loan to Value is reached, which I believe I reached a while back I am easily below 80 % ( XXXX estimate puts my LTV at 60 % ) and I have no additional liens. but here is the thing : I have called US bank multiple times over the years about it and Ive been told that I must pay PMI over the entire life of the loan because it was shown in an amortization schedule. I cant find in my loan docs any really clear specifics about PMI, and I was never told the presence of the amortization schedule was a guarantee of payment over the entire life of the loan, and since Ive seen legal thresholds observed elsewhere, I am concerned my money is being taken inappropriately. I dont want to pay the ~ {$60.00} a month when all of my friends and family in similar situations say their mortgage companies dropped it. Can someone please look at canceling the PMI, and providing a refund for the overcharged amounts? I know US Bank is one of the biggest banks in the country, and this practice feels like a serious UDAAP violation.
Consumer complaint received 2022-08-03
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WV)

This morning, XX/XX/2022, at around XXXX Eastern XXXX time, I Received a string of emails from Bank of America, first to " verify email address '' ( I did not respond ), second was that an online application for an account was being processed, I did not apply for any Bank of America product, third email said my application was approved, fourth was a " welcome to online and mobile banking '' message, and finally, a message came confirming that I changed my email address, which I didn't do because I never verified my email address with Bank of America to begin with.
Consumer complaint received 2022-10-19
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO. (NJ)

chase bank new customer {$220.00} bonus offer opened in XX/XX/XXXX with XXXX XXXX XXXX of {$790.00} paid {$19.00} for checking account to start.XXXX XXXX, private client banker @ XXXX ( XXXX ) XXXX XXXX XXXX XXXX and handled switch with XXXX in XXXX presence from XXXX XXXX XX/XX/XXXX, called XXXX XXXX, and found Chase never XXXX it ; XXXX then made the change.Spoke to XXXX A. XXXX XXXX after to help get the {$220.00}, to no avail.Spoke to XXXX XXXX XXXX XXXX XXXX @ Chase Branch Complaint Escalations to no avail, and phone tag with XXXX XXXX XXXX ( XXXX ) XXXX, responded in XXXX to my letter sent to Chase CorporateXXXX XXXX XXXX XXXX stated 90 days had passed, and out of luck getting the {$220.00} for said reason. The coupon code is XXXX on the offer $ XXXX was another offer mailed in XXXX XXXX, exactly the same available too when sitting down with XXXX XXXX if to start over and get the bonus handled a different way, to no avail.XXXX A said he texted inquiries twice to Chase Corporate to resolve the matter, during my banking visits many times.My family has dealt with Chase, as I have for many years, and just want my {$220.00} bonus, credited to my account for closure as soon as possible.Thank You In XXXX of XXXX XXXX {$790.00} was finally in place.
Consumer complaint received 2022-08-03
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. (MS)

In accordance with the Fair Credit Reporting Act : XXXX XXXX XXXX Act # XXXX, XXXX ; XXXX XXXX XXXX Act # XXXX, XXXX XXXX XXXX Act # XXXX, XXXX XXXX XXXXXXXX Act # XXXX, has violated my rights. 

15 U.S.C.1681 section 602 A States I have the right to privacy.

15 U.S.C. Section 1681 Section 604 A Section 2 : It also states that a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-10-19
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. (FL)

-- I spent time comparing and contrasting across credit bureaus and under several different programs. 
-I spent time identifying inaccuracies -I spent time checking the misuse and/or timeframes. 
-I spent time purchasing searching XXXX and XXXX on what to do etc. 
- I spent numerous hours with customer service representatives making provisions -I have spent time placing security freezes -I have spent time sending debt validation letters and inquiring how my information has been misused -I have spent time defending my name and trying to protect myself because of incorrect information. 
-I have spent time speaking and consulting with credit specialist -I have been denied goods & services causing me to take a deeper look into my credit -I received bills from things I did not authorize -I have spent time investigating providing documentation and reports. 
-I have spent time reading the general summary of right under the FCRA XXXX
Consumer complaint received 2022-05-18
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: Affirm Holdings, Inc (MS)

Called companies XXXX XXXX Affirm Inc about incorrect information & fraudulent activity. Also called XXXX about incorrect information and fraudulent activity. 

Called XXXX about incorrect information and fraudulent activity. Called XXXX  about this also. 

Placed a creditlock with XXXX. 

XXXX placed a fraud alert on my account.
Consumer complaint received 2022-08-03
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. (PA)

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX XXXX Account # XXXX XXXX XXXX has violated my rights. 15 U.S.C. 1681 Section 602 A. states I have the right to privacy. 15 U.S.C. 1681 Section 604 A Section 2 : It also states A consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-04-25
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Rent Recovery Solutions (FL)

The company is in violation of 15 usc 1692b ( 2 ), 15 usc 1692b, 15 usc 1692c. Ive sent multiple cease and desist letters to the company they have not responded in a timely manner, nor did they have my consent to collect on a alleged debt another violation of 15 usc 1692e. I sent a letter on XX/XX/2022 with no response or verification that the alleged debt is mines while it is still reporting on my consumer report. They have not properly addressed my affidavit of truth that was sent out XX/XX/2022 not rebutting the violations line for line with another affidavit. The company has violated my consumer rights as the originator of credit I did not give any written consent or permission for a third party company to collect on a alleged debt on my behalf
Consumer complaint received 2022-02-21
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. (PA)

In accordance with the FCRA, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX  XXXX BANK account # XXXX, and XXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX  XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXXT XXXX XXXX account XXXX XXXX. XXXX XXXX account # XXXX, XXXX XXXX XXXXXXXX XXXX account # XXXX, XXXX account # XXXX XXXX and XXXX XXXX XXXX XXXX account # XXXX XXXX have violated my rights. 

15 U.S.C. 1681 Section 602 A states that I have the right to privacy. 

15 U.S.C. 1681 Section 604 A Section 2 states that a consumer reporting agency can not furnish an account without my written consent.
Consumer complaint received 2022-10-19
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: VEROS CREDIT, LLC. (FL)

I defaulted on my Auto Loan with Veros Credit. they repossessed my Vehicle on XXXX I called to gt location and amount needed to get vehicle back. I was told that the vehicle was in route to the auction so there was no location on file for me to retrieve my personal property or to pick up vehicle. The agent said they were unable to tell me how much is owed to get vehicle back. I had 2 agents hang up on me, finally spoke to a manager and I was told i need to pay the entire amount of loan which was close to XXXX. On XX/XX/XXXX I received a phone call from a rep at Veros Credit who said I only need to pay {$3000.00} to take ownership of the vehicle and that would allow me to keep my current loan and reduce my payments to {$350.00}. XXXX I made the payment for {$3000.00} on XX/XX/XXXX XXXX the following day I got a call from the Same woman at Veros Credit XXXX She informed me that my Vehicle was SOLD the day before at Auction. The funds were returned to me. I only got 1 notice in writing regarding the sale and repossession of my Vehicle and that document DID NOT include the address for me to pick up my personal property either. If I had this option in a timely manner I would have been able to secure my personal property out of my vehicle and get my vehicle back. This information was never disclosed to me. The entire process was extremely deceptive. I was mislead, lied to and taken advantage of.
Consumer complaint received 2022-03-30
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: MONEY SOURCE, INC., THE (IN)

In XX/XX/XXXX I had The Money Source take fund from my escrow account. Which then raised my mortgage payment. They tried telling me I have tax liens on my home. Which i did not. The closing company made an error. They never adjusted my mortgage payment. I have paid my mortgage on time since. I live pay check to pay check mind you. One income household. XX/XX/XXXX I paid my mortgage three days later XXXX  returned XXXX and XXXX payments. I called my bank to clear this up. They stated that this is on the mortgage companies end. I called XXXX  Monday they told me everything is fine and processed through to call back tomorrow just to double check. I called Tuesday another lady said the exact same thing. I said mark my account because this will be on you guys then. Sure enough I owe for XXXX and XXXX now. I used the money to pay off other bills I have. I am trying to catch up. One of their managers told me that my bank did it because they didnt recognize XXXX  XXXX Which is bull since I have been using the same account for 2 years. I paid XXXX back. I cant afford XXXX now. She told me they can add it for three months. Making my payment XXXX. Which is more then my pay check. I can't afford that. I had to fill out hardship paperwork etc. Now they're going to report to the credit bureau negative remarks. Which is not fair since I didnt mess this up. Instead of XXXX owning they XXXX  multiple times they blame me the customer. I don't want to hear I am sorry and hope your day is great. I want this fixed. I should not have a negative impact on this. Nor should I really owe this money. Noone I have ever talked to has heard of this happening who all own homes. It took me five years to get a home alone after I was cheated on and left with nothing. none of this really matters, but trying to survive in life is nearly impossible. I am in XXXX and need help with this. Really sad companies can do this. worst company I have ever worked with. I have also read multiple complaints from customers with issues with them. They need to be shut down.
Consumer complaint received 2022-03-30
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: MOHELA (FL)

Mohela XXXX Dept of ED continues to report accounts to my XXXX credit profile. I have recently filed complaints against XXXX for allowing this and they have continued to ignore my findings and do investigations with the creditor, putting me at an unfair advantage. I have never allowed XXXX to report this account to my profile. My report never showed Mohela on it. Prove to the government that I signed off on a loan with Mohela with my black ink signature. This is a fraudulent account and the dates lie. They said that it was reported on my report in 2012 however I have provided you proof this account never was on my credit report prior to a month ago. I demand XXXX & Mohela delete this Fraudulent account from my credit report immediately. Pursuant to 15 USC 1681b, Permissible purposes of consumer reports I never gave you any written consent to report this account on my consumer report.
Consumer complaint received 2022-03-30
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. (TX)

Hello so on XX/XX/2022 I mailed a letter regarding inaccurate and unverified things on my credit report. to this day over 60 days later I have not received a response yet. I feel like I'm being ignored for my disputes by you all and them. I demand these accounts be deleted immediately or I will file for litigation because of the stress you caused me. My information was also affected by Equifax and the XXXX XXXX XXXX  and may have gotten into the wrong hands.
Consumer complaint received 2022-10-19
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: BARCLAYS BANK DELAWARE (PA)

Signed up for an XXXX XXXX credit card with Barclays Bank on XX/XX/2022 with an offer for XXXX AA miles & a {$95.00} statement credit after spending $ XXXX dollars within 90 days. I spent the money, paid the {$95.00} annual fee & got the XXXX AA miles for doing so but have not received the {$95.00} statement credit. This has all been confirmed with the bank several times. Representatives agree that I have met my requirements but they also can not seem to get the credit to happen. 
On XX/XX/2022 I contacted support and they opened a case to resolve this. Today XX/XX/2022 I called again and went through the issues again and the rep confirmed the case existed but there was no update. The rep, nor her supervisor, were also unable to resolve the issue after XXXX minutes.
Consumer complaint received 2022-03-30
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: CITIBANK, N.A. (SC)

Their was a hard inquiry I discovered on my credit report today XX/XX/XXXX, the inquiry was from XX/XX/XXXX that I had not seen before and did not recognize. I reached out to the company and followed the prompts. When I finally reached someone and addressed my issue, they gave me the same number I had used to reach them to start with. When I called back to try and reach someone, every prompt I tried told me no one was available and to try again. I feel like I was not taken seriously and that their should be a specific prompt for reaching someone about questions and concerns and that at anytime someone should be available to answer calls during business hours and not allowed to just tell you or prompt you to call back. When I finally did reach someone on prompt 6, I was given the same number used to even speak with the individual to start with and told to call that number ( the one I was already on call with ) to reach the front desk. Their are over 12 prompts for their number and none are for the front desk. After calling back and trying the call 14 different times, I was unable to reach anyone on ALL of the prompts I tried, including prompt 6 that was the only one where someone answered. Every prompt said no one was available and to call back which is ridiculous and very bad business etiquette.
Consumer complaint received 2022-10-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (TX)

I have made multiple attempts to speak a live person to understand why I am unable to access my free annual credit report. The system tells me that a report does not exist. I was told to send in copy of ID, SS card, W9 as prood of identify this will be my 3 rd time sending my sensitive information. Please fix this and remove the innaccurate information you are reporting on my credit report. 
Attached is a letter detailing the inaccurate information as well as supporting documments.
Consumer complaint received 2022-10-19
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (PA)

Synopsis : I sold a XXXX XXXX camera body and a XXXX XXXX Lens to Buyer and their partner. 

They are running a chargeback scam by making purchases using Venmos Payment Between Friends with the seller, acquiring the item, and then issuing chargebacks on the cards. ( See this article of what kind of scam this is : XXXX XXXX XXXX ) Venmo won't give me the information of the financial institution so I can not dispute it directly with the financial institution that sided with the scammers that have disputed the charge stating " Sender stated they did not make the purchase ''. 

I have proof that in their transaction records, they specifically stated what they were sending me the funds for. 

Given the amount of proof I provided them, detailed explanation of the timeline, and the very specific transaction memo for what the sender sent me the money for, I do not see how it is feasible that it could be disputed. I can not in good faith believe Venmo did it's best to defend me in this case and, without their cooperation, have no other form of recourse to defend my case with the financial institution to try to get this reversed.
Consumer complaint received 2022-10-19
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capio Partners, LLC (AZ)

This is not my account. Creditor is permanently closed, and I have no knowledge of account. 

The collection agency is non-responsive. 

Please fully investigate and provide findings to me so that I may sue collection agency under the FDCPA and FCRA.