davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY (PA)

I applied for ( online ) and was granted a credit card from Wells Fargo for the purpose of transferring XXXX credit cards for a 0 % interest rate for XXXX  months. The transfer fees were 3 %. I was given a {$13000.00} credit limit. I put in online the card numbers and amounts. I owed XXXX {$1100.00}. I must have mistakenly entered {$11000.00} and XXXX returned the payment without posting the transfer because the payment was more than I owed. I then deposited the {$11000.00} check into my bank account. It was held by my bank for one day. I paid Wells Fargo on XX/XX/2022. It posted that day, but since that time, my available credit is only {$17.00}! I've called several times to find out when my credit limit would be adjusted so that I can transfer the remaining accounts. Today, I was advised the credit limit would be updated in 20 days! The payment cleared my bank in three days. The worst part of this is that I was charged a 3 % fee on the rejected transfer balance for {$330.00} and they refuse to reverse it!! I went around and around with the agent. He insists that the fee stands because the transfer was made. I insist that it's a matter of semantics. Yes, Wells Fargo sent the payment. But the transfer of the balance on the account that I wished to charge to my Wells Fargo card was never made. I need to have that fee removed. Please help me.
Consumer complaint received 2021-09-21
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: CCS Financial Services, Inc. (AL)

Upon review of my credit report, I noticed accounts that were not valid, these accounts were not opened by me. I have disputed these accounts on all three credit bureaus, as well as with the creditor. I am providing information on these disputes. I am demanding these accounts be blocked from my credit report, due to the fact that they are not valid and/or they are not caused by me. I am a victim of identity theft an I have submitted documents several times.
Consumer complaint received 2023-10-03
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: EQUIFAX, INC. (FL)

Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Consumer complaint received 2024-11-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC (MI)

On XX/XX/year>, I fully paid off my mortgage with Newrez and expected the refund of my escrow account balance, which totaled {$670.00}. As of today, nearly three months later, I have yet to receive this refund. 

I have made numerous attempts to resolve this issue directly with Newrez. My efforts include multiple phone calls on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX. During these interactions, I repeatedly inquired about the status of my escrow refund but received no clear resolution.

On some occasions, I was informed that the refund would be issued via check and mailed to my address. On other occasions, I was told the refund would be processed via ACH transfer. Despite these assurances, no refund has been received to date.

Adding to my frustration, I was repeatedly told by Newrez representatives that my bank account details were incorrect, despite having used the same account to pay my mortgage for the past five years. I confirmed my bank account and routing numbers on multiple occasions during calls and chats, yet the issue remains unresolved.
Consumer complaint received 2023-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: WELLS FARGO & COMPANY (FL)

Wells Fargo has created a unauthorized account using my information and admitted to doing so but wont come up with a remedy for their deceptive and fraudulent practice. They claim they would send me to mediation but never got back to me. Also they know I have only 2 years left before the statue of limitations comes into effect for this problem. Ive reached out 3 different ways and have it all documented and receipts. An I also have proof for what they have done.
Consumer complaint received 2022-02-21
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

My name is XXXX XXXX, and I am submitting this complaint on my own behalf- there is no third party involved. My SSN ends in XXXX. I am being fraudulently harassed by Bank of America, and this has been going on for MONTHS now. Bank of America is claiming that I owed an alleged " debt '' that I did not & do not owe ( its a fraudulent account ), so I went ahead and sent them a Cease & Desist, Affidavit of Truth, FTC Identity Theft Report, and all supporting exhibits to prove all claims- on XX/XX/2021. I have the certified mail tracking number proving they received my cease & desist on XX/XX/2021 ( XXXX ). They ended up CLOSING the original account and opening a duplicate account ( fraudulently, without my permission ) in response to everything I sent them proven documentation of. The BoA account ending in XXXX was deleted from my credit report, and then a NEW BoA account ending in XXXX was placed onto my credit report, without my permission. This account has NOTHING to do with me- and is a 100 % fraudulent banking practice. Since that time, I have continued to be sent " bills '' that I do not owe on this new account, reminders of " payment '' that I do not owe, and voicemails in which they're harassing me, trying to get me to pay this fraudulent debt. They are clearly violating my cease and desist order, and violating me in a number of ways under 15 U.S. Code 1692c. Despite the fact that I have written proof that they received my Cease & Desist order, in which I clearly told them to never contact me again, and that I will not be paying this fraudulent debt- they continue to harass me and cause me mental and emotional anguish. I am demanding that Bank of America cease all communication with me, stop calling me, stop leaving me voicemails, and never contact me again without my written permission. They have caused me immense mental, spiritual, emotional and physical distress and anguish. If they do not comply with this final warning, I will be filing suit in Federal District court.
Consumer complaint received 2021-01-20
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 (IL)

On XX/XX/XXXX my bill for account CAPITAL ONE Date opened XX/XX/XXXX did not go through when it was on auto-bill. I reached out to the company and they said that they saw the payment try to come out of the bank but it was rejected. They never notified me of the rejection and gave me this late payment. I now can not get a mortgage because of this mark on my credit and the company will not help me with this unfair situation.
Consumer complaint received 2021-03-25
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: TOYOTA MOTOR CREDIT CORPORATION (NC)

In XXXX of 2020, I entered into a deferment with Toyota Financial for several months due to the covid and losing employment. My deferment was ending in XXXX of 2020. I was turning the vehicle in as early lease termination since the lease would be up in a few months anyway I could no longer pay for it due to the impact of Covid. On XX/XX/XXXX I was admitted to the hospital for emergency XXXX. Which I provided documentation. On XX/XX/XXXX I became extremely ill and was hospitalized and tested positive for XXXX. I remained in the hospital until XX/XX/XXXX. I was still under XXXX  due to a lingering XXXX  and on and off again XXXX. ( documentation provided ). I called Toyota Financial immediately and told them I couldn't return my vehicle until I was released from quarantine. I was released on XX/XX/2020. I called Toyota and was told someone would call me back within 10 days. On XX/XX/XXXX I called them since no call was received. They told me to find a local dealer and return the vehicle. I returned the vehicle on XX/XX/XXXX ( documentation provided ). I told them I was concerned about the credit reporting. The supervisor told me she would make a note to the account and I could dispute it. Which I did, two times with Toyota financial and two times with all 3 bureaus No one removed the 30 days late. This is unfair and It was a result of a pandemic and being contagious with a serious virus.
Consumer complaint received 2021-01-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (VA)

My loan was transferred from XXXXXXXX XXXX ( Loan # XXXX ) to PHH Mortgage ( Loan # XXXX ) effective XX/XX/21. XXXX had received three payments that were forwarded via overnight carrier to PHH and received on XX/XX/21. It is now 10 days and PHH claims they have not received and can not give me any information.
Consumer complaint received 2021-11-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc. (MI)

Nelnet NEVER reports payments I've made to any credit bureau and they refuse to update the principal balance which has been decreasing with my payments that I'm making. All XXXX credit bureaus refuse to help. Enough is enough. I will get a lawyer if the CFPB doesn't so their job and Nelnet continues to XXXX over borrowers and not report properly under XXXX XXXX. They also have NEVER provided me any kind of statement there is only XXXX in my account they have no other statements except for XXXX month I have contacted the XXXX XXXX I have contacted the XXXX XXXX XXXX I have contacted you here I have contacted the XXXX XXXX XXXX and I can not get any of my statements. I never know how much interest they are charging me how it is being applied my payments and how they are being applied I show nothing I get no statements. This is not legal.
Consumer complaint received 2024-11-25
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: MoneyLion Inc. (CO)

Since XXXX of XXXX I have been paying {$19.00} a month for a " Moneylion Credit Builder Plus Loan '' membership. 

I was able to use the credit builder plus loan only twice. XXXX of XXXX and XXXX of XXXX. 

Since XXXX of XXXX, when applying for the credit builder plus loan I get a message that states the loan is not available in my state, Colorado. 

I reached out to money lion to get a refund for the months that I have been paying a membership fee for a program that is not available in my state ( 24 months total ) and they have refused to refund any of my membership fees. 

I feel I am being cheated and stolen from by Moneylion and charged a monthly membership fee for a services NOT RENDERED.
Consumer complaint received 2021-01-20
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (GA)

I applied for a mortgage with Amerisave Mortgage Corporation in XXXX GA in XX/XX/2020. Before my loan application could be processed, they said they needed to collect a processing fee. I asked what it was for and if it would be credited at closing. I was promised it would at received a verbal pre-approval so I agreed and paid the fee. After submitting all required documentation, and repeated emails and calls, which were never returned, I finally received a document via automated email for pre-approval. WhenI found a home and submitted a contract, no one from Amerisave could be contacted to proceed with the closing process. I made several calls and sent emails and did not receive answers to my questions about closing costs. I decided on XX/XX/XXXX to file a complaint. I received a call the day after submitting a complaint to XXXX and was promised a refund. I have yet to receive a refund and when I called today, no one answers the phone. I feel like this was all a scam.
Consumer complaint received 2024-11-04
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.
Consumer complaint received 2024-10-15
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX, ( XXXX ) XXXX - XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Dispute Against Collections on My Credit Report To Whom It May Concern, I am writing to formally dispute the collection accounts reported on my credit report, as they are inaccurate and violate consumer protection laws. Below are the specific accounts in question : Account Name : Transworld Systems Inc. 
Account Number : XXXX Creditor : XXXX XXXX Date of Collection Entry : XX/XX/XXXX I am disputing the legitimacy of this collection entry based on the following violations of federal law, specifically 12 CFR 1006.34 ( b ) ( 5 ), 12 CFR 1006.34 ( c ) ( 4 ) ( i ), 12 CFR 1006.34 ( d ), and 15 USC 1681-5 2 ( 7 ) ( a ) : 1. 12 CFR 1006.34 ( b ) ( 5 ) - Failure to Provide Accurate Information This section requires that all information furnished by a debt collector to a consumer be accurate and complete. The collection agency has failed to provide accurate details related to this debt, such as the correct amount owed and the history of payments, leading to an incorrect reflection on my credit report.

2. 12 CFR 1006.34 ( c ) ( 4 ) ( i ) - Failure to Disclose the Right to Dispute This section mandates that the debt collector must clearly and effectively disclose the consumers right to dispute the validity of the debt. I was not properly informed of my rights as a consumer to dispute this collection account in a timely manner, which violates the legal disclosure requirements.

3. 12 CFR 1006.34 ( d ) - Insufficient Validation of Debt The collection agency has not provided sufficient and complete validation of the debt, as required by law. As per this regulation, all debt collection efforts must be supported by appropriate documentation, and the information provided to me lacks the necessary detail to verify the legitimacy of this debt.

4. 15 USC 1681-5 2 ( 7 ) ( a ) - Outdated and Inaccurate Reporting According to this statute, credit reporting agencies must not report inaccurate or outdated information. The information reported by the collection agency is not only inaccurate but also may be outdated, which further violates the Fair Credit Reporting Act ( FCRA ).

Action Requested : I request that the Consumer Financial Protection Bureau investigate this matter and remove the inaccurate collection entries from my credit report. I expect that these violations be addressed, and the collection account in question be removed as it fails to comply with consumer protection laws.

I am revoking all rights of them communicating with me via Call/Text/Email .

I appreciate your prompt attention to this matter and look forward to a resolution. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2022-02-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CLGF Holdco 1, LLC (WI)

My INDIGO card : Logged in online. Card - last XXXX of card number displayed. I was recognized. Fine. Since their " new '' website and " service '' I CAN NO LONGER : Get My Balance. 
Make a Payment. 
See my Statement. 
NOTHING. 

If I can not make a payment or at least the Minimum Payment, I'll be charged a : ate Payment Fee which will go on my Credit Reports who WILL NOT BELIEVE THAT THE CREDIT CARD COMPANY WOULDN'T LET ME MAKE A PAYMENT. 

Select any one of these options and all I get is a BLANK SCREEN. Called the company and stated my account number to them in the phone call. THEY COLD N'T FIND MY ACCOUNT. NUMBER DOESN'T EXIST. 
Tried to call their NEW customer service number and was put on wait for over an hour. 
This company has become worse and worse over time. A year ago I had no problems. That's all changed today. 

I WANT THIS COMPANY SHUT DOWN! 

I'll CLOSE MY ACCOUNT then deal with the worthless credit reporting companies later on. What a country, huh?
Consumer complaint received 2019-09-10
Product: Money transfer, virtual currency, or money service — Money order
Issue: Unexpected or other fees — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (MD)

This complaint is in conjunction with a XXXX  XXXX XXXX complaint filed this morning. I got locked out of my account, XXXX so Im using a different email address to file this complaint. The consumer finance complaint filed this morning is complaint number XXXX My mother, Miss XXXX XXXX, purchased four {$500.00} money orders at a XXXX Pennsylvania XXXX store on XX/XX/2019. 

Ive deposited the money orders into my XXXX XXXXXXXX XXXX ATM on Saturday, XX/XX/XXXX. I have transaction number XXXX, XX/XX/XXXX @ XXXX. Cashier. XXXX, STORE # XXXX I found receipts dear, numbers : ( 1 ) XXXX ( 2 ), XXXX ( 3 ), XXXX ( 4 ), and XXXX each for {$500.00}. Please see the attachments. 

XXXX XXXX XXXX deposited the money into my account without a hold and posted a note into my business checking account stating that the monies would be available To cover pending any transactions on XX/XX/2019.

This morning, XX/XX/2019, I logged onto my online banking and realized that money gram did not honor their money orders. This is as per XXXX  XXXX XXXX representative I spoke to you this morning this morning, XX/XX/2019, I logged onto my online banking and realized that money gram did not honor their money orders. This is as per XXXX XXXXXXXX XXXX representative I spoke to you this morning. 

I was charged to bank fees in the amount of {$35.00} each and business transactions were declined. I attempted to call back at XXXX this morning to speak to a different representative to see if they could be escalated and to provide them with the money gram serial numbers. They refused to assist me!!! 

These money orders totaling {$2000.00} or an official investment in my business by my mother. My account is now overdrawn approximately {$70.00} and counting as transactions come in. 

According to XXXX XXXX XXXX, they reached out to Moneygram yesterday during business hours and they were unable to verify these four money orders. 

XXXX XXXX XXXX is a federally insured institution and should have honor their note inside my account. Furthermore money gram is a large money order institution and should not take several days to verify their legal tender document! 

I would like the aforementioned money orders to be verified before XXXX XXXX today before I take legal action.
Consumer complaint received 2019-09-10
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY (TX)

On XX/XX/2019 I set up automatic payments for {$500.00} via TD Bank 's web page which did not process on the due date XX/XX/XXXX as stated. www.onlineaccessplus.com/TDBank/Login.htm. On XX/XX/2019, I noticed the amount was still in my bank account and TD Bank applied {$27.00} late fee to my account. I spoke with a representative at TD Bank and they stated that since the amount was more than the minimum payment, it was unrecognized, so it is set to process in XX/XX/XXXX. She said they would reverse the late fee. I do not trust their payment system, hence I had to call in the payment to be sure it post for the current cycle. They have no problem accessing late fees in a expedited timely manner but they delay payments up to 3 days. This is not good business.
Consumer complaint received 2021-01-20
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: PNC Bank N.A. (FL)

PNC BANK N.A . is criminally liable an has willfully and knowing 15 USC 1611 ( 1 ) broke federal laws by unauthorized use of my credit card 15 USC 1602 ( p ) because I never benefited from the consumer credit transaction 15 USC 1602 ( i ) I initiated with PNC BANK N.A . during initial communication it was never disclose that this is an attempt to collect a debt. All shown in exhibits. PNC BANK N.A . has violated federal law 15 USC 1692c ( c ) by calling me after receiving cease and desist through the mail on XX/XX/2020 and receiving a CFPB Complaint portal on XX/XX/2020 admitted to the actions which is a violation of federal law shown in exhibits. PNC BANK N.A . has violated federal law 15 USC 1692b ( 2 ) stating that me the consumer and natural person owes a debt which violates federal law by an agent from PNC BANK N.A . admitted to the actions in writing which is a violation of federal law shown in exhibits. In exhibits shows how PNC BANK N.A . are criminally liable for their action violating 15 USC 1602 ( p ) The term unauthorized use, as used in section 1643 of this title, means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit. I am the cardholder 15 USC 1602 ( n ) The term cardholder means any person to whom a credit card is issued or any person who has agreed with the card issuer to pay obligations arising from the issuance of a credit card to another person. Allowed PNC BANK N.A . to use my Social security card 15 USC 1602 ( l ) The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. Shown in exhibit how PNC BANK N.A . only benefits from the consumer credit transaction by collecting on a debt that is not owed by the consumer natural person.