davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-06-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (TX)

We received a statement from Ditech dated XX/XX/XXXX, informing us that the mortgage payment was increasing from {$480.00} to {$1000.00} effective XX/XX/XXXX. 

I called Ditech at the beginning of XXXX after receiving the notice to inquire as to what was going on and why was an escrow account set up on our mortgage account. 

I was told the escrow account was set up to pay the property taxes. I informed them and also sent copies of " The Tax Deferred for XXXX and over '' agreement we have with XXXX XXXX. 

Ditech claimed that they had been paying the taxes even though we had an agreement with the county. 

A Ditech representative said they would be researching. 

I also told them that we had never had an escrow account, that we had always paid our taxes and insurance directly to the tax office and insurance company since XXXX. 

I informed Ditech that we had never approved an escrow account and to remove it. 

After numerous calls to Ditech, I was told by a Tax Department representative that they had never paid property taxes. 

I was then told that the Escrow account was paying the homeowners insurance. I also informed this department that we have always paid the insurance directly to the insurance company. 

After additional calls and conversations I was told by the XXXX XXXX that they were NOT paying the insurance on the property. 

At this point I was told by a Ditech Customer Service Representative that I could not talk directly to anyone in the Escrow Department, that they do not talk directly to customers. 

After several more attempts to resolve this matter, I was told by a representative from the XXXX XXXX that the Escrow account had been set up for future use in case the Tax Deferred for XXXX and over was dismissed or deleted. 

I was told by the XXXX and XXXX XXXX ( XX/XX/XXXX ) that they submitted a request to have the Escrow account removed from the account immediately. 

I was told that request would take 7-10 business days to complete. 

I am currently waiting for written confirmation that this has been done.
Consumer complaint received 2020-04-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: CITIBANK, N.A. (MN)

I reviewed the statement on a credit card. I've had a credit card through Citi for 10 years, since I was XXXX years old. Today, I noticed a charge for payment safeguard program. I don't recall signing up for this program. I did some research and found that the CFPB settled with Citi regarding its deceptive practices of signing customers up through the payment safegaurd program. I contacted a representative through Citi 's mobile app chat system, and requested to cancel Citi 's Payment Safeguard Program. I was told to call Citi 's 24/7 hotline to cancel, and that my request was not able to be done online. I called the number the online representative gave me. I was transferred twice before I got a hold of the representative who purportedly was to handle my request to cancel. However, the person told me that I am not able to cancel through the 24/7 hotline as I was previously told, and that Citi only allows people to cancel during business hours on Monday-Friday. I informed the representative my concern of being shuffled around to cancel a service through Citi I did not want. I believe Citi is continuing its deceptive practices and intentionally created a system where consumers face obstacles to cancel its add-on services.
Consumer complaint received 2019-06-22
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: CITIBANK, N.A. (IL)

I signed up XX/XX/19 for XXXX XXXX XXXX  42 day program. It was free but then the owner XXXX XXXX claims you need to pay a refundable deposit {$490.00} which will be returned as long as I keep food journal ( fitness pal was suggested ) ,1x week weigh ins , attend 3 times a week participation. I completed and XX/XX/19 we had a meeting after my workout and I declined. XX/XX/19 I verbally cancelled and XX/XX/19 was my 18th workout for completing 6week program. I confirmed with XXXX XXXX Process of refund and told me 3-5days and everything was fine. XX/XX/19 after speaking owner by text I got excuses I put in dispute with citibank. As of today the charge was put back on my account since owner now disputes the refund I'm due even though i sent proof to card company. They are restarting the process and told me ot will take another 45 days. Next month my minimum payment is the amount that was of reversal minus any payments i was making. Citibank claims Mastercard makes them remove temp credit that was given for dispute. Makes no sense. I had a charge that had been pending for 7 days also {$68.00}. They claim that it was approved a merchant hasn't taken money. This is causing me financial burden.
Consumer complaint received 2019-12-10
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC (ID)

I received a call in XXXX of 2015 from a person who said they were calling from a hospital I had visited several months earlier. They stated that I had a late bill, and since I had recently moved I figured it had been lost in the mail, so I paid the amount ( around {$300.00} ) right on the spot. I later found out that it was a collection agency and not the hospital that had called me. I contacted the hospital I had visited and they said all of my accounts had been paid in full and on time, and that they don't even deal with this collection agency that had contacted me. I contacted the collection agency again ( Transworld Systems ) and eventually they gave me the contact for the XXXX  company  they got the account from ( XXXX XXXX XXXX ) I contacted them and with the information i received from Transworld Systems the XXXX  company said they had no record of me ever being in their system. 

So, the hospital says that I never paid anything late, the XXXX  company has no record of me in their system, but Transworld Systems stil says that this is mine, but when I call them they can't verify anything they tell me. 

I have disputed this account with all 3 credit bureaus multiple times and provided them with documentation backing everything I have said here and yet Transworld Systems still claims this account is mine.
Consumer complaint received 2020-05-08
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: General Motors Financial Company, Inc. (NJ)

Co sign for auto Loan was not aware loan not already approve XXXX XXXX allow over 10 company to run my credit which result in Hard inquiry on my credit Bureau I did not authorize XXXX  XXXX to allow inquiry
Consumer complaint received 2021-04-27
Product: Credit card or prepaid 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: Neon Newco Corporation (CA)

The claim number for dispute with netspend is XXXX This was reported to the police as soon as i was aware of the unauthorized charges o my Transact XXXX prepaid card by Netspend in the month of XX/XX/2020 because of the restrictions i was at home in quarintine at the time of these charges it was mandotory due to covid 19 restrictions my claim was denied any errors because the XXXX XXXX says i used my card which is false i was in XXXX XXXX Ca and no my card booked this room online as the charge says XXXX XXXX XXXX XXXX in XXXX Ca did not have me as a guest and someone stole my card information i filed a idenity theft report for this account with the ftc idenity theft the charge was for over {$600.00} i want my money back on my account i am a victim of fraudulant charges and i should not be charged according to the goverment we were told to not travel thats what i did i stayed in XXXX XXXX Ca i filed a XXXX XXXX police report as well. my netspend account is XXXX
Consumer complaint received 2015-04-16
Product: Credit card — 
Issue: Other — 
Company: Synovus Bank (FL)

First Progress Card is reporting late payments on my credit report that is damaging my credit. I have fraudulent transactions that I did not authorize which I filed disputed. It was found I was not responsible for this transactions and items were reverse. I would not have been responsible for making payment for this transaction while investigate was in process. Account was closed and paid in full with {$300.00} security deposit required to open account.
Consumer complaint received 2022-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (OK)

I have multiple inquiries on my XXXX XXXX  that I did not do. I have tried to reach XXXX XXXX  and multiple companies to have these taken off. Both of my bank accounts were hacked ( I have went to banks on both of these and they are being handled ) so I know my account was hacked. 
I need these inquiries taken off. 
From dates : XXXX, XX/XX/22 XXXX XX/XX/22, XX/XX/22, XX/XX/22 : XXXX XX/XX/22 : XXXX
Consumer complaint received 2020-11-12
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: U.S. BANCORP (CA)

I have made many calls to USBank thought the years to request an explanation on why my balance Never goes down. On XX/XX/XXXX I called the XXXX to see why? my payment had gone up to {$240.00} when the usual payment was {$100.00}, at this point the recording told me my balance was {$16000.00}, when my statement states {$12000.00}. I spoke to XXXX from Loss Mitigation then she couldn't see my payment history and transferred me to XXXX at XXXX XXXX XXXX ( XXXX ) XXXX. She confirmed that the principal balance was {$16000.00}. I told her this was out of the question since I had been paying {$100.00} per month since I contracted and opened this equity line of credit on XX/XX/XXXX according to their statement. She said she would send it to get a investigation and allegedly took off a bunch of fees. I requested they review my payment and open the investigation. I waited the 7 days and no call no response the US Bank. Well they closed the investigation WITHOUT letting me know and when I called again to find out why they closed the investigation they said because of the fees they had attacked on. I requested the payment history and I only got payments from XX/XX/XXXX. I think they have cheated me with fees and have taken advance that I was laid off work they put a lean on my house which is now removed but they have a hidden agenda. I wonder how many customers have gone though a similar situation with USbank. According to their statement on XX/XX/XXXX I owed a balance of {$12000.00} and ( {$3100.00} ) in Fees. What is this about. I would like an investigation and a Fraud case opened on this fees and on this balance. Also they are hiding payments I have made. Why is it, that they did not, include those payments when I made a request of all my payment history? On their own letter it states in response to my request see transaction history since XX/XX/XXXX to XX/XX/XXXX However no transaction from XX/XX/XXXX are included if you see page ( 1 ) of ( 8 ) the transaction history USbank sent me starts on XX/XX/XXXX. What happened to all the transactions from XX/XX/XXXX to XXXX?
Consumer complaint received 2020-08-23
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: CITIBANK, N.A. (DC)

I opened a savings account with Citibank as a prerequisite for the Paycheck protection program with Citibank. The savings account is in good standing. However, upon requesting a confirmation and case number from Citibank for PPP ( applied around XX/XX/2020 ), the bank has officially not provided any support as I'm unable to provide them a conformation number or case number which was generated by the system in XX/XX/2020 upon completing the form online. 

At the same time, the bank is saying that I can not reapply as the PPP closed on XXXX. 
The bank is also not providing direction and clarity on why they have reported a charged off account when notice was not provided to the customer. The PPP processing is based on the credit score and  without any assistance by the bank on any aspect, it is extremely difficult for this single mother of XXXX origin recently divorced to navigate the PPP process. 

Additionally I also applied on the website of XXXX XXXX but was never provided any service after the initial inquiry.
Consumer complaint received 2022-07-20
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY (MT)

A fraudulent checking account has been opened in my name and was used to take a loan out from a XXXXXXXX loan company that I had a previous relationship with. I talked with Wells Fargo, with whom the account was started, and they have begun an investigation and said I did my due diligence.
Consumer complaint received 2020-05-08
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. (CA)

I discovered an account that does not belong to me from a company called XXXX XXXX. I was made aware of it today XX/XX/20 when I was rejected from renting an apartment that I applied for due to this account being in negative standing. This account does not belong to me and I did not allow anyone to open this account on my behalf using my personal information such as my name, social security number or address. I did not benefit anything form this account and I did not make any payments to this account. I am not affiliated with this company whatsoever nor do I have any formal contract or agreement with them. I have filed a complaint with the Consumer Financial Protection Bureau as well as a police report regarding this unauthorized account.
Consumer complaint received 2019-05-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION (PA)

Toyota Motor Credit Account # XXXX Date Reported Open : XX/XX/XXXX Date Reported Closed : XX/XX/XXXX This letter serves as a dispute pursuant to the Fair Credit Reporting Act ( " FCRA '' ) 15 USC SECTION 1681 et seq. 

Toyota reporting bureaus : XXXX, XXXX, and XXXX  that I made a late payment on a Auto Loan. 

I dispute this derogatory remark due to the fact that I was never late on a payment. The above named company has failed to provide proof of late payment and the amount of the payment. 

Toyota has to submit to me proof as to when then monies was received by them from me, and also the amount. Toyota also has to provide the their bank statement which supports any date provided as to what date the monies were received from me and were allegedly late. And also provide the required payment dates and late dates. 

1. Toyota has reported and has continued to report such derogatory remarks beyond the statute of limitation to report and continue to report such alleged late payment to the credit bureaus ; 2. Toyota has no permission from me to report any late payment to the credit bureaus without my written or verbal permission. I did not authorize any submission or reporting any alleged late payment to the credit bureaus in violation of FCRA section 604.
Consumer complaint received 2019-05-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Sterling Infosystems Inc. (NV)

I been getting turn down for employment due to an adverse action towards me and im not aware of any pending case towards me nor am i in any legal situations with any one. Please help me and give me information regarding this adverse avtion towards me. I believe the information is not accurrate and or incomplete.
Consumer complaint received 2020-05-08
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. (CA)

I discovered an account that does not belong to me from a company called XXXX XXXX. I was made aware of it today XX/XX/20 when I was rejected from renting an apartment that I applied for due to this account being in negative standing. This account does not belong to me and I did not allow anyone to open this account on my behalf using my personal information such as my name, social security number or address. I did not benefit anything form this account and I did not make any payments to this account. I am not affiliated with this company whatsoever nor do I have any formal contract or agreement with them. I have filed a complaint with the Consumer Financial Protection Bureau as well as a police report regarding this unauthorized account.
Consumer complaint received 2020-08-23
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: WELLS FARGO & COMPANY (TX)

Since my homes purchase in XXXX I have made each payment on time. I noticed on my credit report, XXXX, during covid19 that my report incorrectly indicates I had been late on two payments in XXXX, XXXX and XXXX. these payments were deferred due to damage from flooding in XX/XX/XXXX. In XXXX the full payment due for the three months of XXXX, XXXX m, and XXXX were made in full BEFORE the due date. I disputed the inaccuracy. Since my dispute, I see now that many months show no data, instead of the on time payments that had always been reflected on my report, and the two inaccurately stated late payments remain. In addition other random months are now showing late payment. This is crazy. I have no recourse. Disputing the inaccuracy actually lowered my score and added more inaccurate data to my report. I have never been late on my mortgage and not without personal sacrifice- the main reason was to maintain and boost my excellent credit rating. I need help. Wells Fargo is lying on my report and choosing to add negative inaccuracies and other months showing ND instead of the on time payments that had always been reflected in my report. Help!
Consumer complaint received 2020-05-08
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (GA)

I was sent to XXXX  on XX/XX/XXXX. I was released on XX/XX/XXXX. While I was away, my personal and business accounts were used by someone without my authorization. I filed the fraud claim with Wells Fargo and sent all the information, including a certificate of discharge from the Georgia Department XXXX XXXX showing that I was XXXX   when these transactions were fraudulently done against my accounts. Wells Fargo chose to deny my claim based on some other information they would not release to me even thought they had proof of incarceration and that I was not able to make these transactions.
Consumer complaint received 2020-05-08
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: HSBC NORTH AMERICA HOLDINGS INC. (CA)

Opened an account with HSBC that advertised that it would give {$750.00} to new customers who deposited a minimum of {$5000.00} per month for 3 consecutive months. 

I followed their terms and conditions and did that for XXXX, XXXX, and XXXX. I confirmed along the way MULTIPLE TIMES with their chat representatives that all deposits and all terms were being followed. I was told I had met the terms by their agents ( who seem to have been lying to me the whole time deceptively keeping this fraudulent charade ), and then months later have yet to receive funds. 

HSBC are liars and will try to lure you in with false advertisements and then decide months later after you've given them their money, and opening an account, that they won't give you the money they advertised.
Consumer complaint received 2022-06-15
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)

In accordance with the Fair Credit Reporting Act- XXXX XXXX XXXX Account number XXXX has violated my rights. 

15 USC 1681 Sec 602A states that I have the right to Privacy. 

15 USC 1681 Sec604A Sec 2 also states that a consumer reporting agency can not furnish an account without my written instruction.
Consumer complaint received 2020-05-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

ACCT # XXXX XXXX XXXX XXXX, was Disputed with EXPERIAN XXXX XXXX , and XXXX through CFPB and only DELETED by XXXX on XX/XX/2020 File Number XXXX. I believe EXPERIAN AND XXXX are in violation of the Fair Debt Collection Act, this is harming me by not accurately verifying and deleting this account.
Consumer complaint received 2020-05-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I made my payment on XX/XX/2020 @ XXXX XXXX. Capital One payment cut off is XXXX I advised them that the day ends at XXXX XXXX   not XXXX. So the fact that they capital one is putting this payment for XX/XX/2020. This is a false Payment by capital one and not by the consumer. Capital one refuses to change the information however the next business day is XX/XX/2020 2020
Consumer complaint received 2020-05-08
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. (TX)

This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible. edfinancial  XXXX {$5400.00} XXXX XXXX XXXX XXXX XXXX {$1700.00} XXXX XXXX XXXX {$420.00} XXXX XXXX XXXX {$950.00}
Consumer complaint received 2022-06-10
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: DISCOVER BANK (FL)

I, XXXX XXXX, Do NOT give Discover Bank my lawful authority to furnish my nonpublic personal information and Discover Bank shall be fined under the Gramm-Leach-Bliley Act for noncompliance and not comply with the rules according to the Act, which in fact in {$100000.00} ( Per Violation ). I am demanding Discover Bank to stop furnishing my nonpublic information I revoke any consent as of XX/XX/2022, and Discover Bank shall be criminally held accountable.