davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-01
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: AMERICAN EXPRESS COMPANY (CA)

I was able to sign up for an American Express card online, but after years of not using it and paying an annual fee I have attempted to close it online. I was informed that closing the account had to be done over the phone, however I have tried multiple times to close the account over the telephone only to be placed on an endless hold ( over an hour each time before hanging up ). 

If the card can be applied for online, I should be able to cancel it online as well through my online account. I feel like I am being forced against my will to keep this card by American Express making it intentionally difficult to close.
Consumer complaint received 2017-11-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (WA)

Conformation # XXXX I am filing this complaint because Equifax has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts i disputed. being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of FCRA-they are required to " promptly delete all information which can not be verified '' that i have disputed. please resolve this manner as soon as possible. Thank You
Consumer complaint received 2015-04-28
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

I am writing because I am currently about to be foreclosed upon because I am unable to sell a home I purchased in XX/XX/XXXX. I am unable to sell the home because of a fraudulent note provided by XXXX XXXX XXXX XXXX and a 10 year interest only loan I was given by Bank of America as a result. Here are the circumstances that led to my signing the note : On XX/XX/XXXX when I signed my contract to purchase my home from XXXX XXXX, the contract had a cost estimate evaluation for a XXXX Interest Only ARM ( see enclosure ). After the contract was signed, XXXX XXXX Mortgage company was unable to procure this ARM and offered me a sub-prime loan which I refused. After I found my own financing, XXXX produced a HUD 1 statement with a 30 year fixed mortgage at a 6.5 % interest rate. At the closing table in XXXX 2005, I read the settlement paperwork and instead of a fixed rate of 6.5 %, the interest rate was stated as prime plus 1 %. I was told by the XXXX settlement staff that the numbers were the same and it was just worded differently. I even called the XXXX mortgage agent at the table and she assured me the numbers were the same. I left the settlement table and went directly to a local Bank of America to confirm the loan I signed was the same as the XXXX HUD 1 statement. The Bank of America banker said it was not and that he would fix it. He produced a note that had the same interest rate and monthly payment as the HUD 1 and I simply was n't knowledgeable enough to notice it was a 10 year interest only loan ( see enclosure ). I did not learn it was an interest only loan until a Bank of America representative who was looking into a loan modification for me in XX/XX/XXXX wondered why my principal balance had not changed after 4 years of paying my mortgage. I never missed a single payment in 4 years until Bank of America forced me not to pay for three months in order to qualify for the loan modification. In XX/XX/XXXX, Bank of America gave me a 45 year mortgage with a 5 year ARM ( see enclosure ). I have submitted all of the paperwork I can find regarding the statements I made above. I called the XXXX Settlement Office to obtain a copy of the mortgage paperwork with the prime plus 1 % information but they said XXXX Settlement company destroys all records after 7 years. To add insult to injury, out of the XXXX homes XXXX sold on my block, the only XXXX families in the neighborhood ( I am XXXX ) are in XXXX adjacent houses. I was completely unaware that I had XXXX days to rescind the loan but it probably would n't have mattered because I was so unfamiliar with these bad mortgage products. 
Hopefully the government can look into this incident to keep it from happening to other consumers.
Consumer complaint received 2024-03-01
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Foris DAX, Inc. (FL)

Commencing on or around XX/XX/year>, I fell victim to two multi-layered scam operations run by XXXX which involved me making deposits for a total amount of XXXX XXXX from my Crypto.com account to fraudulent investment firm ( s ).
Consumer complaint received 2021-11-01
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (FL)

The credit bureaus are NOT complying with their own policies in a timely manner! I have submitted a dispute by mail 30 days ago and have NOT receive a response or a dispute on these items listed on my reports. XXXX letter of dispute for acct # XXXX, XXXX, XXXX. Experian acct # XXXX, XXXX acct # XXXX. All have failed to comply in a timely manner.
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN EXPRESS COMPANY (NC)

I am writing to file a formal complaint against American Express regarding the inaccurate reporting of my closed account on my credit report. Despite the closure of my account with American Express in XXXX, which is now over XXXX XXXX XXXX, they have persistently reported false activity on my credit report, with the most recent instance occurring this month, XX/XX/XXXX. 

Under the Fair Housing Act, specifically code 1681 Section 623 ( a ) ( 1 ), it is explicitly stated that inaccurate information must be removed from credit reports. American Express 's ongoing reporting of false activity on my closed and charged-off account directly violates this provision.

Moreover, American Express has recently provided a response to my complaint, in which they denied the accuracy of the issues raised, suggesting they have been compliant with reporting guidelines. However, this response contradicts the factual evidence and misrepresents the situation.

I am formally requesting the immediate removal of the inaccurate information from my credit report in accordance with the provisions outlined in the Fair Housing Act. It is imperative that American Express rectifies this matter promptly and ensures that accurate information is reflected on my credit report moving forward.

I appreciate your attention to this matter and urge you to address the misleading response provided by American Express.
Consumer complaint received 2024-03-01
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

I received a notification from USAA that said they would be closing and they were exercising their right to no longer do business with me. I was told that my account would stay open for 60 days and my funds would be sent via check after the 60 days. XXXX days later I was paid my monthly VA XXXX to that account and I have no access to it whatsoever. They told me that the account can receive deposits but I have no access to it. I am a XXXX veteran on a fixed income, this is my only source of income and this income is how I live. I have mortgage, bills, and I need to eat. I need my money to survive. I have banked with them for 15 years, they know better than anyone that this is my only source of income. I dont understand how they can be a military bank and tell a XXXX veteran that they can not access their own money that I earned through my service.
Consumer complaint received 2024-03-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: CMG MORTGAGE, INC (TX)

Please review XXXX, This two complaints are connected to this one. 

Please review my credit report and you will see under mortgages CMG Mortgage with a reported {$340000.00} and also XXXX XXXX  with a reported balance {$150000.00}. I live in the XXXX XXXX XXXX  where there is a state wide fraudulent crimes occurring against XXXX citizens. If you read my previous complaints and review my last ten years credit report and complaints it will help you to better understand my complaints. The above XXXX mortgages listed on my credit report are fraudulent. My two mortgage company 's named were CMG Financial not CMG Mortgage, and the second one was XXXX XXXX not XXXX XXXX XXXX. both reported balances is wrong. Placed conduct a computer study on my credit report from XX/XX/2011. You will find that I am telling the truth and your computer and statistics have been compromised. Also, I was unable to review my credit report for over a year. Recently, I was able to get into credit karma by going to the library and found the fraudulent changes. Also, recently I so my credit score was XXXX after reviewing I had no damaging credit marks against my score. In XXXX my credit score was XXXX. Please review this with pass complaints.
Consumer complaint received 2024-03-01
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TrueAccord Corp. (CO)

On XX/XX/XXXX, I was offered a settlement on a past due debt for an XXXX account. The settlement amount was for {$320.00}. To settle the past due amount of {$710.00}. 
I followed the link in the email they sent and entered my card information. After submitting I received confirmation that my account was resolved and the payment of {$710.00} was processed. 
I called Trueaccord and after an hour of being put on hold and transfer to different agents I was told that it's not their fault and they wont honor the settlement amount.

This seems to be deceptive and shady bussiness practices.
Consumer complaint received 2024-03-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (CA)

XX/XX/XXXX : app told me that I had suspicious transactions for {$480.00}. I immediately looked on wellsfargo.com and saw two fraudulent transactions - one for {$480.00} authorized on XX/XX/XXXX for XXXX XXXX XXXX XXXX XXXX XXXX  and another for {$50.00} for a shipping or moving company. I immediately called the bank to file a claim and cancel my debit card. 

XX/XX/XXXX : XXXX XXXX for XXXX # XXXX for both amounts. 

I don't know the exact dates when I first contacted the bank but here 's what I have : XX/XX/XXXX : Got a letter from Wells Fargo saying that they researched the {$480.00} transaction and found that it was authorized. 
XX/XX/XXXX : called the bank to get information- was told the company name ( XXXX  ) and phone # to contact them ( XXXX ). 
XX/XX/XXXX : called XXXX company two times and each time someone put me through to a voicemail ( left 1 voicemail ). Called third time and the person said to file a claim online through XXXX XXXX -- > claims -- > replacement parts. I didn't do this because I couldn't fill out information for something I didn't buy, and it didn't make sense to do that. 
XX/XX/XXXX : provisional claim reversed - charged {$480.00} again ( didn't see this until XXXX ). 
XX/XX/XXXX : called Wells Fargo again, and got information about the buyer/person who stole the card. They said that the reason it was authorized was because they had my billing address. The person told me the shipping address was different ( I looked it up and it's an apartment complex not far from me ) and a different email address ( didn't give me this ). Said they would reopen the claim. 
XX/XX/XXXX : called XXXX company again and same thing happened as previously, left another voicemail. 
XXXX : checked claims and noticed it wasn't reopened. called bank again and they said they can't refile a claim once it's closed. Said I needed to contact the company and file a claim there. I told them I tried and couldn't get through to anyone. They said they'd file a complaint with the bank and wait to hear 10 days.
Consumer complaint received 2024-03-01
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK (LA)

On XX/XX/XXXX, I contacted Discover to dispute unauthorized charges made by my XXXX XXXX XXXX daughter, dating back to XXXX of XXXX, for in-app purchases for XXXX XXXX Discover found the charges to be valid and reposted them to my card. On XX/XX/XXXX, I requested refunds from XXXX XXXX for the charges. XXXX XXXX said the requests don't meet their refund policy. I would appreciate any assistance.
Consumer complaint received 2024-03-01
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: FISERV INC. (PA)

I applied for PA unemployment for the first time ever after being let go from my employer XX/XX/XXXX. I was issued a Money Network debit card for my unemployment benefits to be issued. I was allowing the funds to build then i would transfer to my bank account and pay my monthly bills. 
On XX/XX/XXXX, I went to transfer funds from the Money Network card to my account and noticed {$1000.00} was missing from my balance. I immediately researched this and noticed my external transfer account was no longer my account with XXXX XXXX and XXXX XXXX, the information on the external transfer page was changed. I looked up the routing number and it was for XXXX XXXX XXXX in XXXX. I have never banked with XXXX XXXX. So, I immediately called Money Network closed the card and filed a dispute. I was told to contact US Treasury, PA unemployment and file a police report with my local police department. I did all of that on XX/XX/XXXX, and since then i have been in communication weekly to try to retrieve my stolen funds. 
My concern is that Money Network indicated that a transfer of funds takes about 2 days to reach your bank and i contacted them within the time frame that they should've been able to stop the transfer but did not. I received a letter from them indicating my dispute was closed and the funds were deposited to me. I then, called them and filed an appeal since the Officer handling my case informed me that this was in fact fraud and i never received the funds, they went to a bank that was not mine. He was also in process of reaching out for the bank records to prove this. I did ask him to fax the police report to the Money Network Card and he did this. 
On XX/XX/XXXX, the officer called me to indicate that he received the bank records and was hoping to make an arrest in Florida.

I hope they do to avoid this from happening to someone else however, he also mentioned that i most likely wouldn't have my money recouped. This is extremely frustrating since i have a financial working background and do not understand why when i followed all the necessary procedures i am being told that i am out {$1000.00}. 
I am hoping that reaching out will help me understand why i will not be reimbursed. 
Thanks.
Consumer complaint received 2020-11-13
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. (NV)

My information was leaked in the Equifax data breach and ever since someone has been using my information to open different accounts in my name. There is credit cards, medical bills, loans, a mobile phone, and even a bankruptcy. I filed an FTC identity theft report and it was so many accounts it didn't even let me input all the incorrect info and accounts. I filed a police report with XXXX XXXX Metro and disputed all incorrect info with all three credit bureaus more than once. They have not even removed one account and I should not be held liable for things that I didn't authorize.
Consumer complaint received 2016-06-28
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: Mercedes Benz Financial Services (NV)

I logged into Mercedes Benz Financial website to pay my car payment on XX/XX/XXXX, for a payment which was was due on XX/XX/XXXX. Their system indicated that I was due for two payments, ie that I was past due for a payment. In a panic, I paid the double payment, and emailed them to inquire why, if I was past due from the previous month, they had not contacted me. After making the payment, I went to my bank account, and discovered the previous months payment had been deducted from my account on XXXX XXXX, 2016. I emailed MBF this fact, but never heard from them on Monday. Finally I called customer service, and spoke to XXXX, ( last name unknown ) who explained, that their " NEW '' system, realizing that XX/XX/XXXX was a Saturday, and knowing that they place a 24 hour processing and additional 24 hour handling delay on payments, and because it was the weekend, they would just show it as due for 2 payments, because there was no way for their system to accept payment timely, even though at the time of my inquiry, I was only due for a single payment. In addition, when i discovered this I requested a refund of the unneeded payment, but was informed there would be an extensive delay to accommodate that request. I think this is deceptive and inaccurate servicing which has harmed me by mental anguish and financial harm. I have leased Mercedes for the past 15 years, but that is over now. XXXX XXXX
Consumer complaint received 2021-11-01
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

We used our Capital One credit card to pay for a move from XXXX to XXXX. The movers contract stated that they would deliver in 30 business days or less. They didn't deliver until 40 business days and also damaged 50 % of our items and is claiming to the Capital One that they performed their services with no issues or damage. Capital One says they can't step in because its a legal issue. The Attorney Generals office disagrees and says that its a fraud issue and that they didn't fulfill their contract.
Consumer complaint received 2024-03-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (NC)

My personal and business account were fraudulently accessed and drained. Wells Fargo gave me multiple different contradictory explanations on what had happened. I spent over 15 hours on the phone with a fraud supervisor going over all transactions and confirming all fraudulent transactions. I was told my accounts ( after they had been drained to {$2.00} and {$55.00} ) suspended but 2 days after they were " closed '' they allowed whoever had gained access to draw another {$5100.00} out taking me into the negative, even though I had overdraft protection OFF. I have spent around 65-70 hours on the phone with Wells Fargo along with 4 trips to a branch and have gotten nowhere. I was refunded {$3600.00} but am still owed {$8400.00} and they have denied the claim and said the in bank checks were authorized by me, which is 100 % false. Due to the extreme incompetence of multiple employees when my case was reviewed a complaint was started by the banker and it was escalated to the executive office. They did call me and stated they planned to have a resolution within 24 hours, and promised me a return call that afternoon. Instead of returning the call, they sent me an email stating they needed to do more research and would get back to me by XX/XX/XXXX. This case was started on XX/XX/XXXX. I have been promised so many things by Wells Fargo and they have no came through on any of their promises. I am getting the complete run around. I was assured that the in bank checks that were fraud was part of the initial claim and they were not, even though I had reviewed them 3 times with 2 different fraud bankers. After finally getting a new claim number for the fraudulent checks I called multiple times for an update and could never get in touch with someone that could help but was assured someone would call me. Of course nobody has ever called but I got a letter today saying my claim has been denied and closed as the checks were authorized by me. This is 100 % false. I was not even called by an investigator and asked about this. If they were done in the bank as they say they should easily be able to check the branch location and footage and see I had nothing to do with it. The 5 fraudulent checks are XX/XX/XXXX for XXXX, XX/XX/XXXX for XXXX, XXXX, XXXX, and XXXX. 

I have called to dispute the closed claim and was told the investigators do not accept phone calls and the employee in fraud told me since the claim was denied there was nothing she could do to help me. This entire situation has been unbelievable!
Consumer complaint received 2024-03-01
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (TX)

My bank account was wrongfully closed multiple times over the past 3 years, due to an unexpected encounter with a Cyberstalker who sent me multiple photoshoped and real counterfeit checks, in which led to my bank account having to be closed and reopened 3 times. Since information was wrongfully stolen and my account overdrafted the bank made a business decision to terminate my checking and savings account. This causing hardship in my daily life. This individual called the bank pretending to be me on multiple occasions to authorize large withdrawals. The amount lost was over $ XXXX over 3 years.
Consumer complaint received 2017-11-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On my TransUnion report there is a late payment being reported by XXXX XXXX XXXX XXXX for a car payment..this is incorrect..I have never missed a payment..I spoke with the bank and was told to contact TransUnion about this issue ... I believe there was some confusion when my car got paid off by my insurance and Gap insurance.. none the less I have never missed a payment and would like for this issue to be corrected.