davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-06-01
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Stillman Law Office, LLC, Farmington Hills, MI Branch (NJ)

XXXX XXXX XXXX on numerous occasions violated State laws, in relations to statutes of limitations on debt collection, by illegally garnishing my wages for debt which he knows is 20 years old, and has exceeded the statutes of limitations not only in the State of Michigan but in any state in the United States.

On or about XX/XX/2019 XXXX XXXX XXXX knowingly and willingly made false statement and presented fabricated documentation to the State of Michigan 10th Judicial District Judicial Circuit in order to obtain a request and writ for garnishment ( periodic ) for a debt which he has been trying to collect for his client ( XXXX XXXX XXXX as assignee of XXXX XXXX XXXX ( XXXX ) XXXX for the past 10 years.

As of XX/XX/2019, XXXX XXXX XXXX through fraud, deceit and violating state laws on statutes of limitation on debt collection, has wrongfully collected a sum total of {$3500.00} in wage garnishments. Mr. XXXX deceptive and ruthless debt collection practices are an erosion to the laws and the judicial system at large. XXXX XXXX XXXX sued me in a stated in which I do not reside in.
Consumer complaint received 2019-06-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (NC)

on XX/XX/2019 Ditech Financial increased my Escrow payments based upon revaluation of my property ( ( mortgage increase from {$990.00} to $ 1,048/monthly ). 

I had already applied for and been approved for an exclusion on my property taxes, based on my age and income. My property value was decreased by almost half ( {$260000.00} to {$130000.00} )! I spoke with tax department people at Ditech and faxed them copies of revaluation papers received from county assessors office on XX/XX/2019. The purpose of the revaluation was specifically to keep this from occurring. 

Their excuse is $ amount of taxes is needed for corrective action. However, No One ( neither they not I ) know the dollar amount ; hasn't been released yet.Yet, you can guesstimate the increase based on original valuation?
Consumer complaint received 2019-06-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America has been charging me approximately {$95.00} per month in interest on a Cash Rewards Signature Card. The original balance was {$5000.00} in various charges of which I have paid down to {$3500.00} in a rather short period of time by almost doubling my monthly payment ; however, the extra amount I pay each month is almost totally consumed in the interest charge. B of A also has reduced my available credit from {$5000.00} to {$3700.00} for no apparent reason other than, perhaps, Im making more than the minimum monthly payment which seems to be a sanction against me, again for no reason. When Ive called the bank on several occasions, all the rep can tell me is that the interest is being charged on a cash advance, which Ive never taken to my knowledge. If there was a cash advance in the earliest history of the account, it could not have been more than {$200.00} but Im pretty sure Ive never taken such cash advance. The account is approximately 2-3 years old and the $ XXXX monthly interest charge started from the beginning of the account. I feel this is usury which is a violation of fair credit protection law in California. If I were not paying more than the minimum payment my balance owed would have remained at {$5000.00} over the 2-3 years that I have had the account. That is a travesty!
Consumer complaint received 2024-08-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NY)

Why until now these negative accoounts are still here it's been a while since I've done this I have filed a complaint with the ftc for these accounts why so far there is no action. And I also received a letter from the bureaus saying that I am not the one who will send the letter for the bureaus, this is wrong because I am the one who will send my letter, here are the lists of negative accounts that I want as soon as possible.
Consumer complaint received 2024-08-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

My account with XXXX XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in 60 days to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX XXXX XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports XXXX
Consumer complaint received 2019-06-01
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: General Motors Financial Company, Inc. (IL)

Back in XX/XX/2018 I went to finance my first car. I went to a dealership and authorized them to run a couple credit lender inquiries in the local area. I had no prior credit, and used a co signer to help get me accepted for a loan on a vehicle. 
While on XXXX XXXX I noticed there are 9 hard credit inquiries that I had no idea even took place. I would like them removed prior to the two years from my credit report so my score will be better. In the end, I chose one lender which is not even listed on the inquiries below. My biggest concern is minimizing the amounts showing as it was for one automobile loan, and the dealership ran that many without my knowledge. 

Inquiry details ... 

XXXX Inquiry from XX/XX/2018 Misc. 

XXXX XXXX Inquiry from XX/XX/2018 Automotive Americredit Inquiry from XX/XX/2018 Finance XXXX Inquiry from XX/XX/2018 Finance XXXX XXXX Inquiry from XX/XX/2018 Bank XXXX XXXX   Inquiry from XX/XX/2018 Bank XXXX XXXX Inquiry from XX/XX/2018 Credit Union XXXX Inquiry from XX/XX/2018 Finance
Consumer complaint received 2019-06-01
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: WELLS FARGO & COMPANY (NY)

I got a home loan from Wells Fargo to do a home repair work. This $ XXXX loan was introduced to me as an interest free loan from my vendor. I paid the installation amount religiously every month. On XX/XX/XXXX, I received a bill with a principal loan of {$3100.00} plus an interest of {$1900.00}. I called the lender right away and found out that the interest free term expired on XX/XX/3019. What I experienced was a conversation with a loan shark and not a legit financial institution. The terms for the unexpected interest was in fine print and theres not enough efforts in reminding consumers of the significant and compounded interest at the end of the loan term. When asking a supervisor for a fair amount to pay off the loan after only six days over the loan expiring date. I was treated with great disrespect. Although I paid off the principal loan amount of {$3100.00} on XX/XX/XXXX and asked to close the loan. On XX/XX/XXXX, I received another bill of {$1900.00} interest. Therefore, I am filing a complaint against Wells Fargo Home XXXX team and the ill designed products.
Consumer complaint received 2019-06-01
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TD BANK US HOLDING COMPANY (NY)

On XX/XX/19 TD Bank in XXXX XXXX NY took money from my social security ( SSI ) XXXX XXXX XXXX They took money to pay for overdraft fees I needed that s SSI check to pay rent for my son and I We now don't have enough money for rent I asked TD Bank to let me pay off the overdrafts in payments They said no Are they allowed to take a goverment issued check? 
Thank You
Consumer complaint received 2019-06-01
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ORG GC GP BUYER, LLC (CA)

AS XX/XX/2019, AMOUNT XXXX WITH XXXX I BEEN TALKED WITH XXXX ACCOUNT REPRESENTATIVE I NEVER APLIE ANY CONTRACT WITH PRINT, HOW COME XXXX   SENT LETTER OWE MONEY WITH THEM, AND PUT ME ON XXXX XXXX  XXXX .PLEASE DON'T CHEAT MY SOCAIL INFORMATION, ANYWAY WANT ME PAY OFF AMOUNT THEY WANTED AND 2 PACKED WITH RETUN DEVICE, AS HORRIBLE FOR MY LIFE. I NEVER KNOW THAT AMOUNT AND THE ACCOUNT THEY PUT ON ME, WERE TALKED WITH FONE, AND THEY DON'T WANT HELP ANYTHING, JUST WANTED MONEY PAYING,,, THAT NOT FAIR WHEN XXXX USING WITH I AM THE VICTIM
Consumer complaint received 2019-06-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

Please reverse the late payments reported on the following accounts : XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX  XXXX account was never past due, i never made a late payment to this company ever please change this, i have a good relationship with these companies.
Consumer complaint received 2019-05-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: AMERICAN EXPRESS COMPANY (NJ)

I have never made a late payment on this account since I opened it in XX/XX/2006. I got an alert through my XXXX XXXX app that I was late but had no clue I had a bill due as I haven ' used it. 

I immediately called and paid it off to XXXX balance.
Consumer complaint received 2019-05-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I received 0 % cash advance offer on XX/XX/2018 which I took $ XXXX cash advance offer on XX/XX/18 but the 0 % interest promotion didnt apply to my account and Bank of America was charging me 21.49 % interest payments. I called couple of time to Bank of America to find out and they gave me different reasons every time I called ; 1. They told me this promotion need to be cashed by XX/XX/2018 when I received this promotion letter on XX/XX/2018. I asked for copy of cancelled check and the check had Deposit or cash by XX/XX/18 printed on the check. After the verification, BOA isnt bring up this reason anymore which took 2 month to figure out. 
2. BOA told me this promotion wont apply if I cashed to my own account, I used to do this type of cash advance many times and this was the 1st time I heard anything like that. I asked for copy of promotional letter that was send me on XX/XX/2018 and BOA sent me the copy of that promotional letter and it has that clause, but I dont think this is the same promotion letter that I received on XX/XX/2018. Because it has different bank account number from cancelled check vs. copy of promotion letter check copy. 
I dont want to call BOA anymore about this issue and I would like to submit formal complaint to find out current information. Can you please help to verify the promotion detail w/ BOA? 

Thank you,
Consumer complaint received 2019-05-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

I have been charged twice now by automatic payments for a car loan on a XXXX XXXX XXXX. XXXX XXXX XXXX found no error but I just received my 2nd returned check fee for another unauthorized payment dated XX/XX/XXXX.
Consumer complaint received 2020-12-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (CA)

I RECEIVED A CALL FROM SOMEONE CLAIMING I TRIED TO PURCHASE AN XXXX AND SHIP IT TO XXXX MD, WHICH I DID NOT. THERE ARE SEVERAL MISSPELLINGS OF MY NAME REPORTED ON MY CREDIT REPORT THAT NEED TO GET REMOVED
Consumer complaint received 2020-11-24
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. (NJ)

On XX/XX/XXXX or XXXX of this year 2020, I submitted a dispute letter to XXXX, XXXX, and Equifax about inaccuracies being reported on my credit report. I included identification documents and a utility bill. I also included screenshots of the accounts and highlighted the inaccuracies being reported. I also requested copies of documents for each of the accounts including the Original Contract, Pay Off Disclosure, Interest Rate Disclosure, Balance History, Payment History, and Credit Insurance. On XX/XX/2020 i submitted a 30 Day Demand To Comply Letter. I am asking for the accounts to be deleted from my credit report completely immediately. I have not gotten a response from the company and it is past 30 days. Please help.
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 — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

This is not my account and I am not an authorized user on this, please remove this from all 3 of my credit bureaus. 

XXXX XXXX last reported XX/XX/XXXX Open Date XX/XX/XXXX Closed Date XX/XX/XXXX Last Date of Payment XX/XX/XXXX 2019
Consumer complaint received 2019-05-29
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)

I opened a HSBC checking account that had a {$200.00} promo bonus advertised. I met all the terms and the promo was never credited. I contact the bank multiple times by secure email and chat. Each time they said they would look into it and I never heard anything back. Pathetic and unprofessional practices wasted a large amount of my time. They should be fined and/or sued.
Consumer complaint received 2020-10-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A. (CA)

On Friday the XXXX of XXXX I went use my ATM card and was unable to do so. I checked my Citibank app is said I had XXXX in account but XXXX available. I called bank and they said I had a hold on my account, and that it was under investigation and they would need me to fax some verification docs about my XXXX and that the investigation would take 24Hrs. I faxed articles of incorporation show when I started business. I called back the fallowing day to find out when founds would be released, and I was told 24 to 48 hrs. they where still investigating. Now its Monday and still nothing and they said I can't talk with the people that are doing the investigation and there's know time limit on when it would be done. Now I have no founds I have over XXXX in pending payment including my rent I'm very worried.
Consumer complaint received 2020-11-17
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: GOLDMAN SACHS BANK USA (VA)

On three dates, my bank statement showed ACH payments to Goldman Sachs BA Collections, as follows : XX/XX/2020 for.. {$100.00} ; XX/XX/2020 for.. {$940.00} ; XX/XX/2020 for {$1700.00}. 

None of these payments we authorized by me.
Consumer complaint received 2020-11-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Aargon Agency, Inc. (NV)

I disputed the alleged debt with the alleged creditor and its collection agency, Aargon. The account was reported to XXXX, but it was never indicated as DISPUTED. 

I later authorized a payment through my credit card, in writing, via email, though I continue to believe the amount is not owed. 

The collection agency is not charging my credit card and continues to keep the account open. In my opinion, out of spitefulness and retaliation because I reported the situation.
Consumer complaint received 2024-12-01
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY (OR)

I heard about Wells Fargo offering a sign on bonus of XXXXXXXX XXXX for new accounts from a friend. I recent moved and XXXX of their branches was near me so I decided to change banks and take advantage of the incentive. I had a check come in from my truck warranty company for {$460.00} that I used to open the account. I went online on XX/XX/XXXX and followed the procedure using all the prompts and did successfully open a new checking account with them, however I was directed to the local branch to make my opening deposit. When I went in to make that deposit on XX/XX/XXXX I made the deposit into the account number that I received online. My bank reflects that. I receive social security checks monthly for {$940.00} via direct deposit. I moved my monthly payments over to my new Wells Fargo checking account. The first direct deposit hit my Wells Fargo every day checking account on XX/XX/XXXX for {$940.00} and has been on going to this day. Totaling XXXX months straight. I am very happy overall with Wells Fargo, however when I contacted them in regards to the XXXXXXXX XXXX incentive bonus, I was told that I needed a code in order to receive it. I was never given a code, or if I was given a code I didn't receive it. I explained how I opened the account online, but had to make my initial deposit in person. I explained that I didn't receive a code online or an email, and they didn't give me one at the branch. If an email was sent with one it is possible that it went into spam or got auto deleted, but the fact remains that I opened the account and met all the requirements. The requirements being, being a new customer opening a Wells Fargo everyday checking account, having at least {$1000.00} in direct deposit into the account within 90 days, and the account remaining open for 90 days. My account is still open to this day. I would like the XXXX XXXX that I was guaranteed for choosing them as my new bank. My first contact with them on this matter was in XXXX. It went on for months, and even went to the escalation department, or so I was told. In the end I was told without having whatever code or number I was supposed to be given, that I didn't have, I was out of luck and closed my request. I like this bank, but should close my account just out of principle. All I want is the XXXX XXXX sign on bonus that I was promised. I held up my end of the deal.
Consumer complaint received 2020-05-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: PNC Bank N.A. (MI)

There are several inaccuracies regarding the management of my high performance checking account with PNC. After several unethical insufficient funds charges as well as previous CFPB complaints XXXX and XXXX ( a total of XXXX for both complaints that was fraudulently removed from account and never reimbursed ) which were unresolved due to Fraud that occurred on my account and PNC refusing to investigate the fraudulent activities despite me filing a police report and contacting the XXXX regarding the charges, I went into the XXXX branch of PNC to close my checking account on XX/XX/2020 and made a deposit of XXXX to bring the account current and close out my checking account, that I had for 11 years, as well as Money Market account. XXXX closed out the XXXX XXXX account but refused to close out the checking account indicating that he would have to wait until XXXX XXXX  to assure other transactions do not post to the account. Also on XX/XX/2020, I removed overdraft protection from the account in an effort to discontinue the scrupulous business practices that are implemented by PNC. In addition to making multiple phone calls regarding questionable transactions on my account, I also participated in a customer survey in an effort to speak with customer service regarding my dissatisfaction with PNC. I received a call in XXXX from a XXXX XXXX who left a voicemail message, but no direct contact phone number and needless to say, I was never able to reach her or anyone else to address my concerns. One of the concerns is how transactions were processed and I never received a consistent response. The standard response would be it's listed in your documents when you received your account. Well I still have my documents and none of what I was told is listed in there. Since my requeste to close my account, PNC has charged a total of XXXX in isf fees as well as continuous overdraft charges on an account that I requested to close over two months ago
Consumer complaint received 2020-05-08
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: BOEING EMPLOYEES CREDIT UNION (CA)

On XX/XX/2020 I made a deposit payment in the amount of XXXX on my Visa BECU credit card. As a result of Covid-19 the project was not able to be completed and absolutely no work was  performed. On XX/XX/2020 a refund was issued however the refund has not reflected on my account .And this is ruining my credit score in the  middle of a refinance of my home.