davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-16
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY (MN)

XX/XX/2022 Greetings, I am the successor trustee of my brothers XXXX XXXX. On XX/XX/2022, I pay the remaining mortgage to Well Fargo. Within XXXX weeks of that, we received the escrow check. The check mistakenly got shredded. On XX/XX/2022, I wrote to Wells Fargo requesting they stop payment on the escrow check and to reissue a new check for the reasons above. Since that time, this is what I was asked to do, and it remains unknown if they will honor my request to reissue the escrow check. 

Questions I had answered via phone call with Wells Fargo : Wells Fargo : Where did you get the money to pay off the loan? 
My brother left money to his wife for her to either stay in their current home or to find somewhere that she may like better in order to be closer to her family. She used the funds to pay off his house for it to be sold to his stepson. 

Wells Fargo : We see that you had hail damage to the home where did that money go? 
My sister-in-law, put the insurance policy in her name so it would be easier for her to pay the bills. The roof repair is to be finished during the last week of XXXX and she is just waiting for the insurance settlement to pay the XXXX. 

Documents Wells Fargo requested from me : Certificate of Death, XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX : indicating that my name was the only XXXX on the trust account. 
On XX/XX/2022 an XXXX XXXX XXXX was requested along with XXXX XXXX XXXX, the Deed at the time of the decedents death On XX/XX/2022, Wells Fargo requested a copy of my personal bank statements showing any withdrawals made over the past 6 months. 
o I sent them all the trust account statements from the time of my brothers death to the end of XX/XX/2022. 
Copies of cancelled checks and/or wire transfer confirmations over the past 6 months. 
Documentation supporting that the home was sold or refinanced. 

It is disheartening that this has gotten this far. And unfortunately, I dont know why XXXX going thru this. I hope you can help in this matter Thanks
Consumer complaint received 2019-12-27
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: BARCLAYS BANK DELAWARE (CO)

I have a XXXX Mastercard issued by Barclay Bank that was issued in XXXX  in 2019. 
Someone evidently called Barclay and asked for a replacement card XX/XX/19 and it was sent to them at another address that is not mine. I never asked for or received the second card. The person then took the card to XXXX XXXX in California and tepid to da a can advance withdrawal which was denied and then they tried again evidently using the chip on the card a did a cash advance for {$4500.00}. which went thru on XX/XX/19. 

I notified Barclay after I received my statement that this was fraudulent. I put a stop on the card ending in XXXX and they sent me a new replacement card ending in XXXX which I received XX/XX/19. 

I was notified on XX/XX/19 that they were stopping the investigation because they thought I couldn't prove it was me. 

I asked them how could they send a request for a replacement card to a different address in a different state without verifying with me. I also asked how could a bank give a cash advance without proper identification. 

After must frustration they have reopened the investigation on XX/XX/19 but as of today XX/XX/19 they have not resolved my issue. 

I have filed a IC3 Complaint and I have filed a Police report with the XXXX, CO police department officer XXXX XXXX
Consumer complaint received 2017-01-10
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

Personal information listing address as ; 1916 XXXX XXXX, XXXX, WA XXXX XXXX XXXX XXXX XXXX, XXXX XXXX , WA XXXX Belong to my brother, XXXX XXXX . 
Please remove them from my credit report. 
Thank you!
Consumer complaint received 2019-12-27
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: JPMORGAN CHASE & CO. (AZ)

Obtained SBA loan for which Chase Bank administers for a woman owned small business one year ago. In the past year, I have experienced on-going excessive fees, late charges, and payments not being appropriated properly. For example, applying a full loan payment only towards interest so that principal appears to not have been paid. Thus, incurring additional fees and charges. Interestingly, the payment is made on their Chase website and come from a Chase business account. They claim " a glitch '' in their on-line payment processing, but do not seem to resolve the matter after numerous call and hour on hold. Additionally, I have been harassed and attacked by their collections department, yet the loan has been consistently paid. I request a complete investigation as I feel their " glitch '' in payment processing is of fraudulent nature, thereby collecting excessive and unwarranted fees and additional interest from their loan customers. 

Please contact me for supporting documents.
Consumer complaint received 2016-04-28
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (MA)

Fair collections and outsourcing is wrongfully reporting on my credit bureaus. i 've sent requests registered mail to the bureau three times to investigate and they keep concluded that the account is valid, but in over 3 months of sending letters requesting proof that the debt belongs to me and it is a debt that i signed for with this company, to date no proof has been furnished. i sent an email to the company on XXXX XXXX, 2016 demanding proof straight from the source. i stated if you can not supply me with proof of this debt please remove the debt from my credit bureaus. i received a response from XXXX XXXX stating that she would investigate and get back in touch with me. i have received absolutely nothing i even sent a follow up email and i 've received no response. this is not my debt and they have it unfairly listed as a collection on my credit and i want it removed. i need to find a new residence and this is severely hindering the process and i could soon be homeless. where are the rules and regulations that govern these lying thieving companies from imposing undue and unfair negative information on well to do consumers. where is the justice. what is FCRA if it is useless and the laws and regulation by which they govern these entities are a big joke?
Consumer complaint received 2017-01-11
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: DISCOVER BANK (OH)

I 'm using Discover credit card for three months I have earned around XXXX $ cashback and in the end of the first year, they promised to give another same amount on how much we earned as cashback. But they suddenly closed my account without any prior notice so I enquired today they said I had made a payment last month that has been returned back.. actually, I did n't make any payment it was unauthorized so they had added the penalty to my statement I showed up some clarity and canceled my penalty charges. Now, they closed my account and took my XXXX $ cashback n saying that due to security issues they closed!! it can not be reopened you lost the cashback, you can reapply credit card again without any old reward! this also cost me to lose credit score!! this I suspect some fraudulent. They 're not loyal to the customer if we earn more cashback they igniting some errors and closing the account ... this problem faced by a lot of people ... I read it in few websites ... I need my cash back!! n I do n't want to lose my credit score without doing any fault.
Consumer complaint received 2022-11-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (NY)

I have called XXXX separate times in XXXX weeks and also chatted with a representative and received XXXX different answers. MOHELA has constantly changed the answers and information given to me. They refuse to clarify the process or expedite my concerns. I have met requirements for loan forgiveness at XXXX payments and the same approved employer. I was first told I was on a discharge list to be discharged within a few weeks, then told I was not on a list at all, then told on the list but 120 days. I need help please and to be told accurate information. I am eligible for immediate discharge and I do not deserve to keep getting different information and no help on this
Consumer complaint received 2022-10-01
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: Experian Information Solutions Inc. (GA)

Experian did not address ONE concern listed in the complaint ID XXXX. 

Experian, I am aware that you provided my private personal information without my consent to third parties. You've invaded my privacy in multiple ways. Please provide me with a copy of the documentation that gave you the right to give my information away to XXXX FIN and show me where I signed something with your corporation that gave you consent to do so. You have said repeatedly that the referenced company verified the information as accurate, well, send me ALL of the documentary evidence that they have provided you that made you come to that erroneous conclusion which is your responsibility to do so under the Fair Credit Reporting Act.
Consumer complaint received 2022-11-16
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: EQUIFAX, INC. (MO)

I am a single mom and I want my credit report to be fair, I recently got out of the XXXX  due to XXXX upon finding out that unverified, invalid, and inaccurate information is on my report. I want my report to 100 % right. 


I have the right to privacy In accordance with the Fair Credit Reporting act : XXXX Account : XXXX XXXX XXXX XXXX, XXXX 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 Thank you very much
Consumer complaint received 2022-11-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc (TX)

Due to the pandemic I only worked less than XXXX hours per week I had a XXXX XXXX XXXX  my son had XXXX  as well as being XXXX XXXX I had additional fees due to XXXX  for example XXXX  fees and XXXX  fees to XXXX  fees for my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I reached out to the rent paying organization so that my rent can get paid because I was struggling and getting assistance from my family XXXX XXXX or XXXX XXXX sent XXXX XXXX XXXX  months of rent on XX/XX/XXXX for my rent the XXXX XXXX sent the check back knowing the fact that if I did not qualify I would not have received funding I do not owe XXXXXXXX XXXX a XXXX last I have emails that I sent to her and her boss because of their negligence. I have also filed a lawsuit with the state of Texas because due to the pandemic this company falsified their rent prices online which is called price gouging.This company Hunter Warfield is operating off of false pretenses and they need to remove this from my credit immediately.
Consumer complaint received 2022-01-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (CO)

In Colorado, most types of debt have a statute of limitations of six years. The exception is debt on your auto loan, which has a statute of limitations of just four years. Once the statute of limitations passes, the debt becomes time-barred. Debt collectors can no longer garnish your wages or place a lien against your home or car and collectors can still hound you with calls and letters in an attempt to get you to pay. 


THIS IS PASSED THE SATUE OF LIMITATIONS AND REPORTING ON MY CREDIT REPORT THAT A BALANCE IS DUE. 

REPORTING THE FOLLOWING INACCURACY : Past due amount : The balance currently reported as past-due by the company holding the account. 
{$10000.00}
Consumer complaint received 2021-02-19
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: CITIBANK, N.A. (CA)

I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and XXXX/DSNB. The Account Opened is XXXX/DSNB Account Number : XXXX Date Opened : XX/XX/2017 Balance : {$410.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.
Consumer complaint received 2022-11-04
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: SYNCHRONY FINANCIAL (AR)

XXXX XXXX XXXX XXXX in Arizona phone number XXXX contacted me saying I owed a debt to GE money bank for appliances bought in XXXX  that I made payments on for 4 years and suddenly stopped. Said theyre taking me to court and will get a judgment on me to garnish my wages, or I could set up a payment plan. 
I have Never bought appliances in my life nor have I ever heard of GE money bank. 
They knew my address, my social, my DOB
Consumer complaint received 2022-01-21
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: WELLS FARGO & COMPANY (PA)

On XX/XX/XXXX at approximately XXXX I got a call from XXXX. He told me his name was XXXX XXXX and he was calling from Wells Fargo Fraud Department and there was fraudulent transactions being made on my debit card and if I could verify it was me. There were XXXX transactions he named that he said were made in Georgia. One was for {$200.00} one was for {$3000.00} and one was for {$500.00}. I declined that any of them were me since I live in Pennsylvania. He then told me that he needed to make a new account for me and that I needed to wire my money from my account to my new one having the money be transferred to myself. He told me if we got disconnected his name was XXXX XXXX and gave me a reference number. I wired {$14000.00} over to the account and the phone hung up. When I called back it directed me to Wells Fargo. I thought it was suspicious after he didnt call me back since the number was a Wells Fargo number. I filed a claim with Wells Fargo for wire transfer fraud and the woman I spoke with, XXXX, told me that they disguised the number as Wells Fargo to make it look like it was them really calling.
Consumer complaint received 2022-01-21
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL (IN)

Synchrony bank has called me 3 times daily using robocalls for a debt I am delinquent on, starting XX/XX/XXXX. I know they are robocalls, because they have left voicemail each time, which I need to delete in order to keep my mailbox working. I still have four voicemails in my inbox starting from XX/XX/XXXX. The times they called, according to my call log, and all with the ( XXXX ) XXXX number are XX/XX/XXXX : XXXX XXXX ( twice ), and XXXX XXXX XX/XX/XXXX : XXXX XXXX, and XXXX XXXX ( twice ) XX/XX/XXXX : XXXX XXXX, and XXXX XXXX  XX/XX/XXXX : XXXX XXXX ( twice ) XX/XX/XXXX : XXXX XXXX ( twice ), and XXXX XXXX
Consumer complaint received 2016-11-19
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have accounts reporting on my credit report that I did n't do or get. My name is very common and the local police department explained that the best route would be to call the bureaus and another government agency I think this one but it was called something else. I have a judgement for an auto? and child support? very frustrated with myself for not keeping up with this stuff.. did n't think i had to. I 've sent the bureaus dispute letters but there has n't been any real traction. This is affecting my personal life and the more time that passes the more XXXX i 'm getting. I have followed the specific instructions on the website showing what to do and i uploaded it. I can give you letters sent and receipts.
Consumer complaint received 2022-11-16
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. (MO)

I need some help this is my 2nd time reaching out, I did an investigation on my credit report which caused me to develop XXXX upon finding out that unverified, invalid, and inaccurate information is on my report. I want my report to 100 % right. 

In accordance with the Fair Credit Reporting act XXXXt Account : XXXX XXXX XXXX XXXX, XXXX 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 an account without my written instructions Thank you very much for your time.
Consumer complaint received 2022-11-16
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. (VA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

1. XXXX XXXX XXXX XXXX {$480.00} 2. XXXX XXXX XXXX {$200.00} 3. XXXX XXXX XXXX XXXX XXXX = {$110.00} 4. XXXX XXXX XXXX XXXX XXXX = {$170.00} 5. XXXX XXXX = {$950.00} 6. XXXX XXXX  = {$300.00} 7. XXXX = {$300.00} All of these accounts has violated my rights as an consumer 15 U.S.C 1681 section 602 A States I have the right to privacy 15 U.S.C 1681 Section A Section 2. It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information, Any other adverse item of information, other than records of conviction of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) (! ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-11-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Paypal Holdings, Inc (NJ)

We have a Paypal account and accompanying XXXX debit card. Paypal has unlawfully placed a hold on our account and will not release our funds. There are no disputes, no chargebacks or other anomalies with our account. We have supplied Paypal with all required information. We have been on the phone with support 6 times for many many hours. Each service representative ( including supervisors ) agrees that there should be no hold on our account, but is unable to do anything to help us.

We need a third party to step in and force Paypal to return our funds. At this point, we want to close the account and simply quit doing business with them.
Consumer complaint received 2022-11-16
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc ()

I opened a paypal acount as a way of transacting internationally the account email is XXXX. However I was shocked that upon the depositing of money in the account, it was immediately limited permanently for 180 days. According to the company 's policy, you have to wait for 180 days and an email on how you could withdraw from the account would be sent. 
I report that even after waiting for the 180 days, my money is still held. I have tried to reach them on my phone but still I get automated phonecall. i dont get to speak with the agent. My money has been held for 329 days I received an email that they try reaching me on the phone but it was not going through.it is a lie. 
it is only fair that Paypal stays true to their policy, why is money held upto 329 days when their policy says that the limit is 180 days??
Consumer complaint received 2016-09-13
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (NC)

Experian is listing a credit collection account ( XXXX XXXX - Acct # XXXX ) that does not belong to me. I have previously filed an investigation with Experian explaining to them that this collection account does not belong to me. Experian sent me a response and said that they verified it does belong to me and I would need to contact XXXX XXXX directly if I disagreed with their decision. So I wrote XXXX XXXX a letter and told them they were listing a collection account that does not belong to me. I asked XXXX XXXX to either validate this alleged collection debt or delete it from my credit reports. I sent the letter over 30 days ago and I have not received any response from XXXX XXXX. Since XXXX XXXX can not validate this alleged debt, Experian needs to delete it from my credit report.
Consumer complaint received 2022-01-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: DISCOVER BANK (NV)

I XXXX XXXX contacted Discover Credit card company has charge of {$1100.00}. I called in XX/XX/XXXX spoke with associate about fraud being done on the alleged account that was opened in my name they asked to provide my id to identify me I did provide the information then I was sent 2 discover cards in my mailbox I did not request to have cards I requested to remove this account and now they are refusing to take off my credit they did not have my ID file and requested it. I call back in XX/XX/XXXX and still will not remove I never opened this card in my name I have filed a police report Event # XXXX with the metropolitan police depart on this fraud. Please remove this from credit as it is ruining my credit score.