davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A. (PA)

As a consumer natural person I am asserting my consumer rights pursuant 15 U.S. Code 1681b ( a ) ( 2 ) per my written instruction I say what can be on my consumer report. I did not consent nor contract with XXXX XXXX XXXX on Wednesday XXXX XXXX. I request that this account XXXX is deleted. I ask that this alleged debt is verified and investigated. Pursuant 15 U.S. Code 1681a ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. The above account is a direct impact to my ability to exercise my right to credit because my reputation with this consumer reporting agency is inaccurate and I know that the banking system is dependent on this reporting. I ask for a copy of full credit file not report the full file.
Consumer complaint received 2021-12-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (ME)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX. All of a sudden lowered my credit limit on 2 different cards making the cards almost maxed out which affects other credit cards I have and my XXXX score. 
First card credit limit lowered from {$13000.00} to {$3300.00} card has a balance of {$3200.00} leaving available credit down to {$120.00} which then make my card look maxed out when it was far from being maxed out. With no explanation as to why this was done. 
Second card credit lowered from {$9700.00} to {$2200.00} with a balance of {$2100.00} leaving available credit down to {$84.00} which makes card looked maxed out again with no explanation and affecting XXXX score. Both cards have been receiving payments of more than the minimum amounts due. I feel the is unfair to me and my credit score. I called and all was told cards went under yearly review and credit scores dropped the limit never receive any thing in writing from them about this also.
Consumer complaint received 2019-06-19
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: U.S. BANCORP (KS)

I bought a prepaid Visa Gift Debit Card, Issueing bank : US National Bank Association. I ordered an item from XXXX, then cancelef it reight agterwsrd ( it was the wrong part # ) The cancellation was confirmed & part never shipped. The XXXX order # was XXXX ordered XXXX. Cancelled & confirmation of cancellation via phone call with customer service. Email confirmation also received XXXX. The cost of the item was {$5.00}. It was deducted from my Visa card on XXXX with a detail note stating " 10 day PreAuthorization Hold ''. 
The cancellation # was XXXX formally issued thru Vendor on XX/XX/10. The pre-authorization amount was never credited back to my card account. 10 days later, I have spoken to the bank card issuer several times. They claim XXXX is responsible for the " hold '' of my funds & I must solve the issue with them. XXXX claims the bank is responsible for deprivation of my funds. I have also talked to them several times. Earlier this evening an XXXX Customer Service Rep said that if I give the bank this Transaction ID # XXXX, that the bank will release the holding of my funds. That did not happen. The bank says there is nothing they can do to release my access to my funds! This has been a very difficult & unfair situation for me, the consumer! No where in the bank card info does it state a preauthorization hold on funds will take place, except in the case of a resteraunt tip, or for gas purchase. I feel this is a fraudulant charge to my account which there should be no reason to " borrow '' my funds! This should be illegal. It is certainly a misrepresentation of the debit card issuer to deny me the use of my purchased funds! Or is it the Vendor, XXXX " borrowing '' my money? Neither party will take responsibility. They accuse each other. I can not get anywhere with either party. Meanwhile, my funds are missing & no one is resolving it. Fraud!!! Consumer has no other options!
Consumer complaint received 2022-08-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/22, Wells Fargo Online Fraud Detection Operations Department sent me a letter ( attached ), regarding unusual and authorized activities on my checking account " Restricting Access to my Accounts '' ( attached ) unless I contact them " My voice is my password, please verify me '', how can someone imitate you voice and over pass Wells Fargo Security System? 
I called Wells Fargo to report my cell & ATM Debit Card Stolen. 
Since accounts were compromised Wells Fargo made change account numbers, Usernames & Passwords for my safety and to protect my accounts, also CANCELED my " XXXX '' and " Wire Transfers ''. 
Since then I called almost everyday spending 2-4 hours between customer service and online fraud departments telling me " There's a process they need to follow & accounts are under investigation '' in the meantime my balances were going down, down until the hit negative and Wells Fargo couldn't stop it! 
Everytime I called they said " Everything is OK, XXXX XXXX! We are doing everything we can XXXX XXXX! 
Wells Fargo process to stop these hackers took too long and was unefficient. 
Wells Fargo process to stop hackers " FAILED '' & " TOOK A LONG TIME '' On XX/XX/22 received letter from Wells Fargo ( attached ) stating that they " FAILED '' to stop the hackers and their bank will NOT returned the money. 
Wells Fargo failed to protect and recover my money. 
Wells Fargo took 12 days to process and denied my claim. 
WELLS FARGO - ON LINE FRAUD PROCESS TOK OVER 12 DAYS ALLOWING HACKERS TO GET AWAY WITH MY MONEY. 
" MY XXXX CLAIM TO RETURN MY MONEY WAS DENIED ''
Consumer complaint received 2022-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. Here are the following date disputes was sent, XX/XX/2022 XX/XX/2022, XX/XX/2022, XX/XX/2022, and XX/XX/XXXX XXXX XXXX
Consumer complaint received 2021-12-21
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (NV)

On XX/XX/XXXX we applied to Wells Fargo for a mortgage for a home. We needed to purchase this home because the Illinois Tollway is taking our home because they are expanding the road. The tollway wants possession XX/XX/XXXX. 

WE NEED TO BUY ANOTHER HOUSE OR WE WILL HAVE NO PLACE TO LIVE AFTER THIS DATE.! 

Our XXXX XXXX is XXXX ( yes, not a typo ), We have no debts, we have no mortgages, we own 3 homes, one is for rental income. We have over {$800000.00} in IRAs and other assets. They tried to claim our income to debt ratio was too high and I told them we can just increase our IRA distributions, then they dropped that excuse. 

Clearly, we are not a credit risk. Wells Fargo refused to provide us with a legitimate reason for denying us a mortgage. 

After XX/XX/XXXX, we will be paid by the Tollway for our house they are taking. So in essence Wells Fargo is denying us a mortgage because they are afraid that we will pay off this mortgage when we get paid from the tollway and they won't make a huge profit. 
However, we won't get paid until XXXX or XXXX. So we need money now to buy a house. Or we will have no place to live. 

My wife XXXX XXXX XXXX and we can not be displaced because Wells Fargo just wants more profit. She could get sick and die. Wells Fargo knows this and they don't care This is not a legitimate reason for denying us a mortgage. This is economic discrimination.
Consumer complaint received 2019-06-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC. (NV)

I used an Equifax report on their website to see my credit score in XX/XX/2019. 

Apparently, they continued charging my credit card on a monthly basis which I discovered in XX/XX/2019. 

Unlike many other providers of subscription services ( e.g. : Utilities, wireless operators, banks, etc ), Equifax deceptively does not provide any monthly billing statements or any other communications showing a customer that they are being recurrently charged, which is clearly aimed at misleading and deceiving customers so Equifax continues billing them for services they do not use or need for as long as possible, and then stonewalls when consumers ask for a refund. This is a bizarre practice for a leading CRA that clearly requires a regulatory action against the company, and might prompt a class action lawsuit. 

I called the company to cancel the service in XX/XX/2019 and explained that I did not use it since XXXX ( which they can easily verify because they log the transactions ). However, they refused to refund XXXX-XXXX charges. 

They transferred my call about 4-5 times for about an hour to random individuals for no apparent reason. When I called again and asked to speak with the supervisor, they hung up on me. When I called again, they connected me to somebody who introduced himself as XXXX, a supervisor, who claimed that they do not have a refund policy ( which is hard to believe for the company of their size ), acted highly unprofessionally, and subsequently refused to connect me to his manager, claiming that the manager was not in the office ( hard to believe that nobody is managing their call center, particularly given that I called during regular business hours in XXXX where they are headquartered ).
Consumer complaint received 2021-12-21
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 (KS)

I have an account balance with PayPal of {$1100.00}. Since XX/XX/2021, I have been in almost daily communication with PayPal XXXX requesting that a check for this balance be mailed to me. The PayPal user agreement of XX/XX/2021, states that checks can be mailed subject to a fee of {$1.00} and confirmation of the customer 's address. The user agreement does not state that mailing a check is subject to the customer sharing a bank account number. Unfortunately, the PayPal website does not provide for a withdrawal of my funds without linking my PayPal account to my bank account. Most of the PayPal XXXX with whom I have spoken by phone or messaging have directly stated that the only way for me to receive a check for my account balance is to submit my bank account number. One XXXX offered an alternative way to confirm my address by re-linking a credit card. This process was complex and burdensome and in the end did not work. I have made it clear to all of the PayPal XXXX that I am not willing to share my bank account number with PayPal -- especially since the user agreement does not require it. No one has yet offered a way for me to access my funds without my giving up private information I want to protect. In addition, no one has explained why they are forcing on me a requirement that is not stipulated in the PayPal user agreement. I believe I am experiencing a rather clear case of a large company ignoring its user agreement to coerce a customer into sharing sensitive personal information against his will.
Consumer complaint received 2021-12-21
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/XXXX there was an error made by XXXX - I got through to mgmt and they reversed the erroneous pending charges. I called my bank and they reversed the charges on the XXXX of XXXX. However, today 2 of the three erroneous charges reappeared. I spent hours on phone with XXXX  and bank. I provided J.P. Morgan chase withe reversal codes and escalated to executive office of chase where XXXX assigned case # XXXX to XXXX and even though XXXX provided reversal codes on pending charges - Chase is refusing to give me my money - to be clear I owe XXXX nothing and have paid for everything and because of their refusal to fix the issue that is no fault of mine - I am overdrawn- this should be illegal when the vendor supplied the referral codes. Additionally, the pending charges were on the XXXX not the XXXX - the phone number for XXXX at chase research exec office is XXXX x XXXX- the reversal code for the XXXX is XXXX and for the XXXX is XXXX. I have never had a bank do this and I never overdraft my acct! I have had this acct a long time. My name is XXXX XXXX XXXX
Consumer complaint received 2019-06-18
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: Siwell Inc (HI)

I have submitted a complaint previously to the Broker ( XXXX XXXX XXXX XXXX ) as I was told by the Lender ( Capital Mortgage Services ) they were providing incorrect information to me. The complaint number is XXXX. However, after receiving a response from XXXX XXXX XXXX XXXX it was stated that the loan was closed incorrectly and by Capital Mortgage Company. We were originally told that we were going to making " interest only payments '' for the construction period of 12 months from the start of construction. However, that was incorrect. Therefore XXXX XXXX XXXX  XXXX stated they included a reserve account and that would provided monthly payments to our mortgage during the construction period. I've attached the documents that was SIGNED at the closing of our mortgage that states we were supposed to have a reserve account. I have reached out numerous times to Capital Mortgage Company and was told they would provide information and be in touch. This has now gone on for a month and NO ONE has responded or came up with a plan to make this right. We are currently having to make fully amortized payments every month while paying rent and building our home. We also have not received any money for the construction as of today. We closed our loan in XX/XX/2018. So we are also paying on money we don't have! We were told by both our lender and broker that upon closing we would be able to take our first draw. That was not true at all and have no money to provide to our contractor as  of today. I am demanding that something be done to provide monthly payments to our loan each month so we can afford to pay rent and build our home. I also want to be able to make draws on a timely manner so we can fund our contractor up front. No contractor would start the building process without any funds up front. The company that is in charge of processing our draws would like our contractor to pay for all cost upfront then be reimbursed. All of this from the closing of our loan to the draw process seems very unreasonable and I can't imagine this is how things are supposed to be processed. Please let me know ASAP!!
Consumer complaint received 2022-09-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

there are multiple inaccurate inquiries on my credit report these inquiries are in violation of my federally protected consumer rights per 15 usc 1681 and 15 usc 1692 g inquiries are on attached ftc report
Consumer complaint received 2021-12-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (IL)

XXXX XXXX & XXXX XXXX BANKRUPTCIES ARE REPORTING TO MY REPORT. WHICH THEY SHOULD NOT. THOSE ARE NOT MY ACCOUNTS AND BEEN AFFECTING MY CREDIT SCORE FOR A LONG TIME NOW
Consumer complaint received 2021-10-14
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Tate and Kirlin Assoc (MD)

I applied for XXXX XXXX XX/XX/2019 and never used it but was charged. I have dental insurance and my insurance paid for most of it. I paid my part, and I have proof. I have mailed a letter to the XXXX asking for verification of the amount and I didn't get it. Also, I sent a letter to each of the credit reporting agencies to verify the debt amount. And I didn't get anything that proved that I owe them. I have the original bill from XXXX it shows the amount I paid. And I recently got a letter from Tate and Kirlin Associates , INC for the same bill.
Consumer complaint received 2022-09-29
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (AL)

Wells Fargo hasnt been able to transfer the mortgage from my deceased mom into my name for almost 3 years. When Hurricane Sally hit Alabama and was declared a natural disaster by fema Wells Fargo still has not been able to endorse checks even though we have completed all hoke repairs out of pocket. It truly appears that Wells Fargo is trying to take our home.
Consumer complaint received 2021-12-21
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (TX)

I RECEIVED A CALL FROM WELLS FARGO FRAUD PROTECTION ON XXXX XXXX, XXXX ASKING IF I AUTHORIZED A CHARGE FOR {$500.00} IN MY CHECKING AND {$200.00} IN MY SAVINGS. I REPLIED NO. THEY SAID THEY WOULD SEND ME A TEXT WITH A CODE TO READ IT BACK TO THEM. ONCE I DID, I ASKED WHAT HAPPENS NEXT AND THEY HUNG UP. I IMMEDIATELY CALLED WELLS FARGO TO REPORT THE FRAUD AND GOT TWO CLAIM # 'S. THEY SAID IT WOULD TAKE 7-10 BUSINESS DAYS FOR THEM TO INVESTIGATE. THEY GAVE ME NEW ACCOUNT FOR CHECKING AND SAVINGS AND SET UP PASSWORD AND USER ID. MONEY WAS TRANSFERRED TO NEW ACCOUNTS AND ON THE 7TH THE TRANSACTIONS WENT THROUGH XXXX. THIS COULD HAVE BEEN STOPPED BUT THEY LET IT GO THROUGH AND NOW THEY DON'T WANT TO GIVE ME MY {$700.00} BACK. THIS WAS ALL THE MONEY I HAD SAVED FOR MY XXXX GRANDCHILDRENS XXXX. I HAVE BEEN A CUSTOMER SINCE XXXX. THEY SHOULD BE PROTECTING ME, NOT THE XXXX
Consumer complaint received 2022-08-12
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. (TX)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$14000.00} XXXX XXXXXXXX Balance : {$52000.00}
Consumer complaint received 2022-08-24
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: Experian Information Solutions Inc. (NV)

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-06-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: DISCOVER BANK (FL)

I have been paying on my Discover credit card without fault since opening the account in XX/XX/2012. it has and APR of around 19 %, recently dropped to 17.2 %. I've called Discover several times regarding the amount ive been paying toward interest. every month, I pay the minimum amount or more ( currently {$420.00} ), and between 70-78 % of the monthly payment ( currently around {$300.00} ) is going toward interest! not 17 or 19 %, which is the APR. 

currently, I have a balance of around {$20000.00}, and with a minimum payment of {$420.00}, my most recent statement says it would take 40 years to pay off this account, and I would end up paying a total of around {$70000.00}. 

when I speak with Discover card representatives, they do not seem to be able to explain this at all. 

if you plug these numbers into a debt repayment calculator, a {$20000.00} balance, paid at {$420.00} a month, with a 17 % APR, this shows an estimated payoff time of 81 months ( just under 7 years ), and with a total interest of around  {$13000.00}, so I would end up paying a total of around {$33000.00}, which is 2.5 times less than what Discover says, that is, {$13000.00} in interest versus {$50000.00} in interest. 

There seems to be some highly illegal action taking place here. I would like to be reimbursed for all of the years ( since 2012 ) that I have paid this astronomical apparently 75 % APR, for my account to set to {$0.00} balance, and a more fair 10 % APR instated.
Consumer complaint received 2019-06-18
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: Synovus Bank (MA)

Hi and to whom it may concern : I just finally got off the phone with Risk Management team member XXXX at First Progress Card on an alleged 2nd card that apparently shows on my credit report without me ever applying for or put a secured deposit for it. After 61 minutes with her today in regards to this, she confirmed that for some odd reason when I open the card that I have now a few months ago, then the 2nd card was mysteriously open but NEVER sent. However, she said that First Progress mistakenly reported to the credit bureau that I never paid the annual fee for 2 consecutive months which was on the card that I NEVER APPLIED or RECEIVED. I'm in the process of buying a home for my family and my credit has taken a huge hit in the last 2 months and I'm in the verge of NOT closing on the loan because of this issue.