davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-02-19
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with the interest rate
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (FL)

I entered into a contract for a 36 month lease through Nissan Motor Acceptance Corporation in XX/XX/XXXX for which I have monthly payments set up through my bank auto-pay feature. On XX/XX/XXXX I logged into my NMAC account to find the payment for next month had increased by {$3.00}. When I called NMAC to inquire about the increase, the representative advised that there were 9 counties in Florida that increased sales tax this year. She went on to mention that my county, XXXX XXXX, increased from 0 % to .05 % which increased my lease payment. I asked the representative whether NMAC contacted me to notify me of the payment adjustment and her response was, " No, this was something that was voted on in your county & not Nissan 's responsibility to communicate. '' This is completely unacceptable. Had I not checked the XXXX site on my own accord & because I have auto-pay enabled for this lease I would not have known about this payment increase.
Consumer complaint received 2019-11-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Innovis (OH)

XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  OH XXXX SS XXXX XXXX XXXX I need the following addresses removed deleted from my report. I have been compromised on my ID and personal information. I have to file a police report and FTC report. Please remove delete : XXXX XXXX XXXX XXXX XXXX, XXXX, CO XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX, XXXX, CO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CO XXXX XXXX XXXX  XXXX, XXXX, CO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CO XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX, XXXX, CO XXXX XXXX XXXX XXXX XXXX, XXXX, CO XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, CO XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX, CO XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, CO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CO XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX, CO XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX, XXXX, CO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CO XXXX
Consumer complaint received 2019-07-05
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: SYNCHRONY FINANCIAL (CA)

XX/XX/2019, I was looking for tickets to XXXX XXXX. I was approached by a woman named " XXXX XXXX '' email address : XXXX, XXXX : XXXX   : XXXX? XXXX. She told me she had two tickets to XXXX  XXXX, and even sent me a " Confirmation Email of purchase '', I foolishly believed her even though the grammar was questionable in some spots, but I assumed it was a translation as English didn't seem to be her first language. I played it safe and asked questions, and she assured me I had nothing to worry about and was genuine, and could not attend the event due to her son being sick. She insisted I send through friends and family, and I wanted to send through services, but remained optimistic, a stupid choice on my part. I sent one payment to be safe, and would've demanded the first " Ticket '', before sending the second. She told me the tickets were together, and to get them, I'd need to pay in full. I asked for the tickets, THEN I would pay but she insisted her husband was in a hurry. Nervous, I sent the second payment with faith there were good people in this world, that faith was immediately stripped when she sent me a crude fake image, and then immediately blocked me on XXXX. 

I have heard you can not dispute friends and family transactions, but when I saw that this was protected by http : //www.dbo.ca.govConsumer Financial Protection Bureau , I immediately came to dispute. 

I have MESSAGE EVIDENCE from XXXX I can provide. Here is a folder of said evidence : XXXX XXXX XXXX XXXX Once again, her name was XXXX XXXX, XXXX XXXX XXXX : XXXX? XXXX
Consumer complaint received 2019-07-03
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (NY)

My wife passed away and the mortgage was in her name, it took some time to have it placed in my name. The bank would not accept payments after she died so I missed a few payments. Wells Fargo then stopped accepting my payments for the last year. I have tried many times to talk with them, to no avail. I have saved the money {$15000.00} to pay the back payments but they wont accept it. They now want {$5000.00} more in fees for a total of {$19000.00}. 

I have asked for a loan help, but they say no i am late by a few days, i have asked to accept the {$15000.00} but they wont accept it. 
I have asked for a few more weeks to help raise money. 

I am an elderly, uneducated, XXXX XXXX XXXX man with no help. 
All my life savings is in the house in equity and the are about to take it away by XXXX XXXX, 2019. 


I can pay {$15000.00} today, but they wont accept the money, they wont finance the {$5000.00} or give me a few weeks to work and raise the balance which he desperately wants to do. The reinstatement department refuses help. 



Please help me. Please ask the foreclosure department to give us a little time to raise the money, even a few weeks would help. 

Thank you for your attention to this ..I am begging for some relief.
Consumer complaint received 2019-07-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: EVERBANK, NATIONAL ASSOCIATION (CO)

I have a residential mortgage with TIAA Bank. They purchased Everbank who had my loan for over 15 years, the entire time with XXXX XXXX as my insurance company. So TIAA purchased my loan that reflected the same insurance company for over 15 years. I recently decided to change insurance companies. After much research I decided to sign up with XXXX XXXX insurance. On XX/XX/XXXX I signed up, and 24 hours later, after discovering my agent lied to me about my coverage, I canceled it on the XX/XX/XXXX - 24 hours later. I had requested that I pay the first years premium out of my checking account. However on XX/XX/XXXX - despite not authorizing TIAA to  disburse anything out of my escrow account, and despite having only a declarations page from XXXX that was already invalid from being cancelled - TIAA Bank gave XXXX XXXX {$2100.00} out of my escrow account putting me at over a - {$1200.00} ( negative balance ) in my escrow account right when property taxes were being paid! TIAA not once called me, did not required something with my signature authorizing payment from my escrow account, or did it do anything to verify that XXXX had any authorization or basis to take money from my account at that point. Recall the policy was canceled XX/XX/XXXX, and TIAA paid them {$2100.00} on XX/XX/XXXX. It was not until I received a letter from TIAA over a week later that I discovered XXXX had my money, and I had to contact them and demand that be refunded to get it back. TIAA did nothing to correct their error, I did all the work. I want the CFPB to investigate TIAAs violations of their escrow account regulations and their mishandling of my escrow account, their failure to confirm the validity of a request for payment, and their failure to verify with me that I was in fact making a change to my insurance carrier. Fortunately I had not canceled my policy with XXXX XXXX, so that was still intact. TIAA took no steps to ensure the sole document they received to demand payment, a mere declarations sheet, was not fraudulent or contrived. Given TIAAs lack of protective or responsible actions, it is clear that anyone could obtain TIAAs mortgage loan numbers and then submit false declarations pages from a fake insurance company and clean out a lot of money from a lot of escrow accounts held by TIAA! I am now very stressed and worried that they are not going to protect my funds, not theirs, from fraudulent activity they clearly have no processes they follow or protections they go through before handing out checks! 
I dont need to talk to them, I already wasted a couple of hours of my time arguing with them about how irresponsible and unacceptable this was for them to allow, and they dont appear to understand the problem. Im done speaking to them, they need to be investigated and examined for the violations theyve committed.
Consumer complaint received 2019-07-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (CO)

Chase bank changed my credit limit on my Chase Freedom credit card without first notifying me. I have had the card for over a decade and never had my credit limit automatically changed. Upon talking to them via phone they said I had opted in for the service and notified me on my statement, however I : 1 ) was never told or opted in for this service and 2 ) find the credit limit notification intentionally misleading as it is in small font on page 3 of my statement, was vague in nature and did not compare the change to my previous credit limit. Chase regularly sends me general and secure e-mails about my account regarding both spending and term changes, however I never received this important notice about a change in credit limit. As a result, I see this predatory in nature and believe that Chase purposefully hid this change from me. I only learned of this credit limit increase through an independent watchdog service.
Consumer complaint received 2019-06-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (SC)

Around XXXX of 2019 I had a collection placed on my account from a company called XXXX. XXXX reported that they were collecting for XXXX XXXX XXXX. Well after speaking to XXXX corporate office ( XXXX XXXX is no longer open and was bought out by XXXX ) the account was deemed fraudulent and was removed. I've never had XXXX XXXX nor did I authorize anyone to open an account in my name. The account was removed from my credit reports XXXX XXXX. Now a company called IC Systems is reporting the same debt on my credit files. I wasn't even notified before they placed the debt on my credit reports. I spoke to a representative who informed me they have a PO Box on file. I informed her I don't have a PO Box . IC Systems is also reporting the account opened with them XXXX of 2019. That is not even possible because the account with XXXX wasn't removed from my credit reports until XXXX of 2019.
Consumer complaint received 2019-06-26
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. (AL)

I have contacted XXXX, Equifax and XXXX   about the public record that is reporting on my credit file. This is also my second FTC complaint and I would like this issue resolved. XXXX XXXX, which is the 3rd party consumer company that reports this information to the bureaus has updated my file to show a correction. There is no Bankruptcy that I have reporting anywhere, I want this removed, it is illegal. It is inaccurate and is hurting my chances to obtain credit.
Consumer complaint received 2019-06-27
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC (OH)

To Whom It May Concern, The reason for my dispute is ENHANCED RECOVERY COMPANY # XXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ). However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. AlsENHANCED RECOVERY COMPANY failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date and Mini-Mirandi under Section807 ( 1 ) XXXX XXXX XXXX failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation ENHANCED RECOVERY COMPANY is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. 
FDCPA I fail to see where ENHANCED RECOVERY COMPANY is in compliance with OHIO LAW. I also have report this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report. ENHANCED RECOVERY COMPANY has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.
Consumer complaint received 2019-06-26
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: WELLS FARGO & COMPANY (NY)

I am filing this complaint out of desperation and frustration with Wells Fargo Bank Home Mortgage Department and seeking your assistance to get the information to the credit agencies reported correctly. 

After a month of trying to have Wells Fargo correct their reporting information to XXXX and XXXX, I sent an email on XX/XX/2019 to their Board of Directors. To date, the matter not only has not been corrected, but the changes made are worse. 

The outstanding balance has increased, the last payment now is XXXX and no data for XXXX with no record yet for XXXX. 

Any assistance in this matter is greatly appreciated as our credit rating has dropped from over 800 to low 600 's due to Wells Fargo inability to correct this situation even though they agree we are current. 

I have attached documents from Wells Fargo showing all payments and a copy of one of the credit reports showing incorrect balance, wrong last payment and payments not made.
Consumer complaint received 2019-06-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: DISCOVER BANK (VA)

Discover Credit Card - Minimum payments have been made for years but the balance does decrease. I have called numerous times either the representative has a hard time explaining or the explanation never makes any sense. Today XX/XX/XXXX I am on the phone with a representative who can not explain it and had to get a supervisor. 

When minimum payments are made Discover practices does not pay all of the interest with the payments. Then they take the unpaid interest and roll it back into the balance. 

Understanding it's a different rate for cash advances and purchases. One example ; they lowered our interest rate on XX/XX/XXXX ( without notice ). This sounds great but they create another account. They then apply the payment to the lowest interest first and lowest balance first. At times the interest is not covered for all so they add the rest into the current balance. 

Another practice is that at some point ( not sure when ) a lump sum interest charge is added. They state that since all the interest was not paid it required a lump sum interest payment. This was also added into the balance. 

My Grandmother is the original holder of this card and now I am secondary. This is a predatory practice.
Consumer complaint received 2024-11-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (IL)

On XX/XX/year>, my Citibank debit card was placed on hold without prior notification. I visited a branch, and the staff assured me my account was fine and that my card could still be used with a PIN. I withdrew funds that day without issue. However, the next day, my transactions failed, and I discovered that both my debit card and online banking access had been locked. 

I contacted the fraud department as instructed. They claimed they needed to verify my identity but stated they could not use the phone number on filedespite this being the number I provided when opening the account. They informed me that a reference letter would be sent to confirm my identity, which would take XXXX business days. 

It has now been over two weeks, and I have not received the promised letter or regained access to my account. I have repeatedly contacted Citibank 's fraud department, spoken to my branch manager, and involved my account manager, but no one has been able to resolve this issue. 

How This Has Impacted Me Financial Losses : I have been unable to access my funds, causing missed business opportunities and losses exceeding tens of thousands of dollars.

I have fallen behind on bills and other financial obligations.

Personal and Family Hardship : This situation has severely disrupted my ability to provide for my family.

Steps Ive Already Taken Visited the local Citibank branch to speak with the manager. Contacted the Citibank fraud department multiple times. Reached out to my account manager.

Sent a formal complaint letter to Citibank ( attached ).

Despite these efforts, Citibank has failed to resolve this matter or provide meaningful updates.

Desired Resolution Immediate restoration of access to my account and funds.

A full explanation of why my account was locked and why my funds were withheld. 
Compensation for financial losses incurred due to the banks delays and mismanagement. 
I appreciate your attention to this matter and look forward to your assistance in resolving this issue.
Consumer complaint received 2019-08-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, Fl XXXX XXXX XX/XX/1979 XXXX : Requesting a Method of Verification Letter Dear Sir/Maam : I recently received a response to a dispute ( see attached ) that I made under FCRA 611 ( a ) regarding an erroneous item on my credit report involving a transaction with. I was saddened to learn that you somehow verified the disputed item, electing to leave it on my report. 

I am absolutely certain that the item I disputed is incorrect and should be removed, so I am hereby exercising my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my aforementioned dispute. 

I am very interested to learn how your investigator ( s ) arrived at this erroneous conclusion. I would like to see a complete list of all documents and correspondence with. Please include all names and contact information of employees that you spoke to at as part of this investigation. 

All previous letters and documents that I sent to you previously are once again attached along with this correspondence in order to help you process this request. 

I am asking for this verification because my credit score is important to me, and I believe it is being unjustly degraded as a result of this unfortunate error. I would therefore request that you please do not send me a template letter in response to this request. I am in the process of planning a legal case, so I need specific answers to the specific questions asked of you in this letter. 

I expect to receive a response within 30 days of receipt of this letter, or I will expect to see the item in question permanently expunged from my record. 

Thank you for your prompt attention to this matter. I very much look forward to getting this resolved as soon as possible.
Consumer complaint received 2019-06-27
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (NY)

I have three ( 3 ) private loans with Navient. I payed off early one of the loans on XX/XX/2019. On XX/XX/2019 my automatic payment went through as usual. On XX/XX/2019 I received an email from Navient stating that I was put on forbearance due to a recent natural disaster. I am currently living in XXXX XXXX  XXXX and the previous addresses that they have in file are from XXXX, NY and XXXX, DC. None of those areas have had a natural disaster. I did not make a request to be put on forbearance nor do I need forbearance since I have always payed the loans on time through automatic payment nor do I currently have a financial hardship, in the contrary, I am considering paying off all of the remaining loans early. If Navient is involuntarily putting people on forbearance it causes their clients to pay more money on interest. Which is unfair and something that you can easily miss since I was notified only through email 15 minutes before their customer service stops taking calls for the day. It would be easy for someone to either completely miss that they were put on forbearance or forget to call them since they sent the notice at XXXXXXXX XXXX and stop taking calls at XXXX. I want to make sure that people are not affected by this since it does not appear to be a fair practice from Navient.
Consumer complaint received 2024-12-03
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Fidelity National Information Services, Inc. (FNIS) (TX)

lam being taken advantage of by early warning and XXXX XXXX  these companies are violating my rights given to me by the fcra l did not open up any bank accounts these accounts were opened up fraudulent according to 15 usc 1681 ( b ) ( 2 ) my permission is needed for any person to access or furnish anything on my consumer report that permission was not granted by me not only are fraudulent bank accounts on my early warning and XXXX XXXX  being reported without due cause my right to privacy has been infringed upon due to these fraudulent and inaccurate accounts I demand that each fraudulent account be removed there is no way the banks can validate fraudulent activity due to my identity being used without my consent this is theft as defined by 18 usc 1028 ( a )
Consumer complaint received 2024-12-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

This was a total waste of time. They sent me a copy of my report but still don't send a copy to requestor. My security questions don't reflect items in my report. I can't get past the security questions on my own report. Thanks for nothing I was denied a XXXX XXXX because they didn't provide a copy of my report. I can't use XXXX XXXX cause they say hey can't prove it's me on my transunion.
Consumer complaint received 2024-12-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (NJ)

Nearly {$13000.00} of my hard earned money was taken from my account in unauthorized transactions. I reported this to Wells Fargo and they denied giving me my money back because apparently the system said it was authorized. They NEVER reached out to the merchant even though they lied to me and said they did and they were going off information that whoever had my card had more than enough information to complete the transaction. I told them my wallet was stolen and my information was compromised. One guy XXXX told me that they didnt know who completed the transaction so its deemed authorized What kind of sense does that make? Of course someone had my information my wallet was stolen. Please help me get this back this is destroying my credit, I can not pay bills because of this and its ridiculous I even have to come here to report it.