davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-22
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Delay in processing application
Company: SYNCHRONY FINANCIAL (FL)

Applied on XX/XX/2022 and hard inquiry shows on XX/XX/2022. Associate at store said I would receive a letter in the mail as I was not immediately approved nor denied, they just need more verification information. I received a letter on XX/XX/2022 dated XX/XX/2022 stating they needed to verify my identity and to call ( XXXX ) XXXX and so I did. I verified myself was told congratulations as I was approved. Then immediately received an email about another hard inquiry by this same creditor on XX/XX/2022. I immediately called Synchrony Bank at the previous number and they told me it would not have been another hard inquiry. I advised I was looking right at my credit report and it showed XXXX hard inquiries on XXXX XXXX for the same thing. They told me to contact XXXX XXXX and they would correct it. Called XXXX XXXX at XXXX and they pretended not to be able to hear me and hung up. Therefore I am reaching out to CFPB to remove the XXXX hard inquiry from my credit report.
Consumer complaint received 2018-04-25
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Centron Services (TX)

Below is a description on my complaint. It is the text of the letter I sent to parties listed below on XX/XX/XXXX. I have received numerous billing statements from XXXX XXXX and I have not received a bill from XXXX XXXX XXXX XXXX. 
XXXX ATTN XXXX XXXX, Collection Department Manager, XX/XX/XXXX XXXX XXXX, Account Representative XXXX XXXX, Account Representative XXXX XXXX, Account Representative XXXX XXXX XXXX XXXX - XXXX, MT. 
DBA : XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, MT XXXX XXXX ATTN Billing Department Manager, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, MT XXXX XXXX Under false pretenses, willfully and knowingly XXXX XXXX XXXX XXXX MT ( DBA XXXX XXXX ) opened a fraudulent account as reported by XXXX  and XXXX using my name and included an unsubstantiated claim for " unpaid '' in the amount of {$17.00} on behalf of XXXX XXXX XXXX XXXX XXXX XXXX. Additionally XXXX XXXX XXXX ( DBA XXXX XXXX ) continues to willfully and knowingly violate the Fair Debt Collection Practices Act ( FDCPA ) and harass me with repeated attempts to fraudulently collect money on this unsubstantiated claim. These actions are an unlawful attempt to commit fraud, extort money from me, and damage my name and credit rating. 

I have made every effort to : 1. work and coordinate with my insurer XXXX, XXXX , XXXX , XXXX , XXXX , and XXXX of XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX ( DBA XXXX XXXX ) to facilitate and expedite satisfaction and closure of this matter since XX/XX/XXXX 2. show and reiterate on numerous occasions that XXXX XXXX   XXXX XXXX XXXX XXXX XXXX did not bill my insurer for services provided on XX/XX/XXXX at XXXX XXXX XXXX in a timely manner. My insurer waited more than six months without being billed by XXXX XXXX XXXX XXXX XXXX, XXXX 3. show that once XXXX XXXX XXXX XXXX XXXX XXXX XXXX contacted and billed my insurer, all claims due were paid with no outstanding monies owed. XXXX XXXX XXXX XXXX XXXX, XXXX was provided multiple statements of remittance ( on XX/XX/XXXX and XX/XX/XXXX ) which clearly state and serve as record evidence that all claims were paid by the insurer and these records further indicate that there never has been co-payment due for the beneficiary and there is no money owed by the beneficiary to XXXX XXXX XXXX XXXX XXXX, XXXX. 

In sum, I owe no money and never have owed any money to XXXX XXXX XXXX XXXX XXXX, XXXX. However, XXXX XXXX  XXXX XXXX ( DBA XXXX XXXX ) has violated my rights and protections under the Fair Debt Collection Practices Act ( FDCPA ) by : 1. giving false information about me to credit reporting companies including XXXX and XXXX 2. making repeated false written statements indicating I owe money 3. conducting unfair practices in attempt to collect money from me
Consumer complaint received 2021-05-04
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: WELLS FARGO & COMPANY (FL)

We started a nonprofit and opened a Wachovia checking account XX/XX/XXXX. I still have the signed contract. There was to be no monthly fee. Then in XXXX of XXXX Wells Fargo ( changed from Wachovia ) started charging us {$14.00} a month service fee. However, unfortunately, there was a tornado that hit the house we were using for our nonprofit about that same time and our nonprofit came to a stand still, as a result we did not notice fees being charged as we were not active at that time. In XXXX of XXXX we started looking at starting up our nonprofit again and noticed this {$14.00} a month charge. We called Wells Fargo and they gave us six months of the fees back. I ask the gentleman if these fees were going to continue each month and he said no, we don't charge those fees to anyone anymore. I would be interested to know why they had no problem changing our contract and charging us the {$14.00} per month without any notice, but when they decided to not charge the fee they did not go back on their own and stop charging us. I was directed back to the branch manager for the rest of the money, that did not work so I followed the chain of command until I reached XXXX XXXX XXXX and he told me he was the last step and he could not assist.
Consumer complaint received 2021-05-04
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (IL)

This is an unfair system to be ignored and taken advantage of while plenty of laws are broken due to malpractice and the severity of not taking my situation seriously. Has caused Financial injury and defamation of character along with 60 plus days of no response.
Consumer complaint received 2022-07-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I ordered a copy of my report in XXXX  dated XX/XX/22 and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, 3 credit bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of the following accounts that were reporting in error. 

XXXX XXXX XXXX Balance : {$2500.00}, XXXX XXXX  XXXX XXXX Balance : {$8600.00}, XXXX XXXX XXXX XXXX Balance : {$4600.00}, XXXX XXXX XXXXXXXX XXXX Balance XXXX {$650.00}, XXXXXXXX XXXX  XXXX XXXX Balance : {$0.00}
Consumer complaint received 2021-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (MO)

I have been disputing back and forth with credit reporting agencies in reference to inaccurate information causing damage to my credit profile due to improper reporting causing my score and creditability as a consumer damage. This company has reported SEVERAL ERRORS on my behalf causing me hardship in obtaining credit. I would like for a PROPER INVESTIGATION TO BE COMPLETED ON THE LAST DATE ACTIVE, CREDIT LIMITS AND AMOUNTS DUE, DATES ACCOUNT WAS OPENED AND CLOSED AND A PROPER REASON AS TO WHY I DONT HAVE A FULL REPORTING STATUS FOR EACH MONTH IN WHICH I HAD POSITIVE PAYMENTS.
Consumer complaint received 2021-05-04
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (CA)

My employer offered me tuition reimbursement and sent a {$5000.00} check to AES. This is after confirming with AES that this is allowed and we just need to write the account number. They have had the check for almost a month and still havent applied the payment. Customer service says theres no way to contact that department and each time I call I get a different answer. They keep asking me to take a picture of the check, and I am trying to explain THEY HAVE IT!
Consumer complaint received 2019-03-21
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. (GA)

My credit report should be blank because I have never used my information to obtain any credit whatsoever. I found a medical debt from XXXX XXXX on my credit for {$80.00} which I do not know anything about. I disputed it with the credit bureaus but the fraudulent debt is still on my credit.
Consumer complaint received 2022-04-24
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. (MI)

There is information on my report that isn't 100 % correct and due to Code 15 U.S.C 1681 Sec. 602 A. states that I have the right to privacy.
Consumer complaint received 2021-05-04
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 (OH)

PayPal close my account for not reason and them will not help me with Getting it back up and going. Every time when I try to withdraw my money from my account PayPal hold my access. 
They just made all difficult for me. My account was already verified with all my personal information and I never made any mistake. 
I never had dispute or charge in my account. I do not know what the problem with PayPal is, but many Users have same problem, and the only answer of PayPal is said was Fraud activity.

IF PayPal just hold money for everybody, I Guess PayPal must fix the problem. 
My email is XXXX.
Consumer complaint received 2021-05-04
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: EVERBANK, NATIONAL ASSOCIATION (GA)

XXXX assumed servicing for TIAAs home financing products earlier this year. My 1st lien position HELOC was transferred to them on XXXX XXXX. Since that time, my payments have been misdated, misapplied, and now theres around {$19000.00} unaccounted for. I have reached out to XXXX and TIAA dozens of times for resolution, but sufficient answers have not been provided. TIAA has acknowledged that there are issues with XXXX XXXX of HELOC accounts, but Im just continually asked to be patient. This is the third month of constant problems, and my patience is exhausted. XXXX is violating the terms of my contract with TIAA, and TIAA doesnt seem keen to prevent further injuries.
Consumer complaint received 2021-05-04
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. (NY)

I am writing to delete the information in my file. The items i need deleted are listed in the report. I am a victim of Identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and i also have enclosed copies of the Federal Trade Commission 's Identity theft affidavit. I would appreciate it if you deleted these items as soon as possible as it is hindering me. I'm trying to advance in my life by getting a house and a car to provide for me and my son.
Consumer complaint received 2021-05-04
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (NC)

I have received a copy of my credit report and it shows company XXXX account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$1400.00}. I have tried many times to get this verified with no such luck. Please review for deletion.
Consumer complaint received 2021-05-04
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Comerica (NY)

On XXXX XXXX my direct Express card was hacked by someone posing as an XXXX employee to help with my account. It was done through my phone. As soon as I realized what had happened I called Direct Express to file a fraud complaint. and cancel my card. I was told I could not file a complaint until the charges actually cleared. I called the following day to start my complaint. They said they would send me paperwork and it needed to be returned by XX/XX/21 to get provisional credit. I never got their paperwork until the XXXX so i overnighted everything to them. I got a letter dated XX/XX/21 stating my claim was denied. I have called several times to request supporting documents on how they concluded their investigation. They simply emailed me back all of the documents I originally sent to them.. One woman yelled at me and hung up. I asked about Resolution E protection and they said it didn't apply to them. I called Comerica bank and they said they only supplied the plastic to Direct Express. I have had my SS on Direct Express because I thought it was safe. I have called several times and been put on hold and eventually disconnected. I have cancelled all cards, accounts, etc. I am having my SS sent to my checking account going forward because I am afraid Direct Express will let this happen again. I spoke to XXXX at your company and he was the first person to treat me kindly since this started. I am having trouble attaching documents.I have several but am unable to figure out how to attach them.
Consumer complaint received 2022-08-08
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: DISCOVER BANK (IL)

On XX/XX/2022 I have set up Discover to be a primary form of payment on my XXXX ( XXXX  ) account. According to the recent offer all XXXX transactions are pre-set to Discover as form of payment. However two transactions were not processed through Discover : XX/XX/2022 Payment to XXXX XXXX for {$450.00} XX/XX/2022 Payment to XXXX for {$100.00} The resulting loss of the bonus is {$27.00}. When I brought this issue to XXXX I was told that the Discover was responsible for not accepting these transactions so they went to the alternative form of payment : XXXX and the checking account. 
When I brought this issue to the Discover Card supervisor I was told that since these transactions do not show on its rejected transaction screen the issue is not their to address. She was not even interested in looking at the issue and even reviewing the data ( below ) since she told me she's neither authorized or equipped to deal with issue such as this. 
XXXX I find this way of thinking appalling. The DiscoverXXXX  offer has been a offered to me ( supposedly in good faith ) so it should be a responsibility of these two companies to address them instead of hanging the customer high and dry. I think Discover marketing should also get involved here as if for whatever reason the XXXX is a culprit why then it is lying to customers while automatically denying the benefit to the customers? 
Screenshots : 1 ) The XXXX account set to Discover as automatic payment. 
2 ) The XXXX transaction made to checking account instead 3 ) XXXX transaction made to XXXX instead.
Consumer complaint received 2022-08-13
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)

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$5500.00} XXXX XXXX XX/XX/XXXX
Consumer complaint received 2020-02-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A. (WA)

On XX/XX/2020, my mileage for XXXX  ( XXXX XXXX ) was shutdown from XXXX. Citibank is the administrator of these XXXX  credit cards I signed up for. 

I followed Citibank 's sign up bonus terms and conditions, including spend requirements, to achieve miles by the sign up bonus and spend for my XXXX   mileage account ( XXXX ). However, XXXX XXXX claimed my points being obtained were exploitativly obtained. Citibank Credit Cards therefore are responsible to the damage that XXXX XXXX has caused me because the points were considered exploitativly obtained. Citibank should have provided these miles to customers in a nonexploitive manner, and provided promise and security to its clients that they would not be taken away from customers who fulfilled Citibank terms. Now I have signed up for many credit cards, spent many tens of thousands of dollars, and become the victim of Citibank 's devious practice and lost all of my rewards because of them! This is totally unfair that I am screwed for something Citibank did.
Consumer complaint received 2018-08-02
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)

I PREVIOUSLY HAD 2 ACCOUNTS WITH XXXX XXXX XXXX  IN XXXX OKLAHOMA, ONE OF THEM WAS A JOINT ACCOUNT. THE ACCOUNT WAS SHOWING AS CLOSED AND CHARGED OFF. I DISPUTED THE CHARGES AND NOW THEY HAVE REAPPEARED AS IN COLLECTIONS. THIS IS AFFECTING MY CREDIT SCORE AND NEEDS TO BE DELETED, CORRECTED AT BEST.
Consumer complaint received 2021-05-04
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: Winklevoss Exchange LLC (MD)

I transfer funds to Gemini cryptocurrency exchange from my brokerage account. Because of unreasonable restriction on trading ( they required me sending my photo with a handwritten note after they received the funds from my XXXX account ) I decided to pull my funds back where their software guided me to send my funds to the account from which wire was received. Apparently it is impossible to do this because money was sent from the brokerage account. I was not alerted to this and money bounced back with a {$50.00} administration fee. It was their software that provided me only option which was erroneous. Why I need to pay a fee for this? After this I sent them information about my bank account and directed them to send the funds to this account. They listed this account as a linked account however they make it impossible to transfer funds to my bank account. They do not responds to emails ( they just have a bot responses saying that their experts are working on responding ). I sent them multiple emails and did not get a response. They do not list any other ways that I can contact them. So from my end it looks like total scam. They hold my funds and block my access to the money I just transferred. 
I do not recommend anyone to trade on Gemini exchange. They have absolute ZERO customer support and their software is very primitive so if you make a minimal diversion from their prescribed limited mode of operation your funds will be stuck there forever and there is no-one to talk or email to. It looks like a scam.
Consumer complaint received 2019-03-21
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. (OH)

I feel I have been a victim Several Data Breaches resulting in possible Identity Theft. The latest being Equifax Information Systems. The Items I have identified and highlighted on my credit report do not relate to any account or transactions that I have made or have applied for. Several Inquiries have occurred as well all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.
Consumer complaint received 2019-03-22
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (FL)

I have a Home Equity Line of Credit serviced by Wells Fargo under account XXXX XXXX XXXX. 
While I was refinancing another property, due to a recording error on the HELOC note, my title company sent to Wells Fargo in mid XX/XX/XXXX a request to close the line of credit. I received notification by Wells Fargo of this request end of XXXX. I immediately notified Wells Fargo and the title company of the error by phone and fax. The recording error was fixed and the title company notified Wells Fargo that the closing request was made in error withing a week. 
Since then, my HELOC is still frozen. I have contacted Wells Fargo multiple times by phone and sent two other faxes at the number they provided me. 
Now, almost two months later, my HELOC is still frozen despite the fact that Wells Fargo admitted that the request from the title company to close the HELOC was voided anyway as over a month old. 
I escalated the issue to Wells Fargo line of credit executive office, but after over 2 weeks of 'research ' they answered that they need another 2 weeks to complete more research. 

To summarize : Wells Fargo is still keeping my line of credit frozen after receiving a request that : - was sent by a third party without my approval, and WF was notified by me in writing and phone immediately that I did not authorized it ; - the third party confirmed to WF that it was sent in error ; - the request is over a month old and voided anyway Wells Fargo is still refusing to reopen this line of credit, creating a financial problem to me that will escalate in additional cost and penalty on other short term liabilities that could not been satisfied due to the lack of access to this HELOC.