davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (FL)

On XX/XX/XXXX, the IRS alerted me that they have deposited to my Wells Fargo checking account my {$1200.00} stimulus Direct Payment from the CARES Act. 
To this day ( XX/XX/XXXX ), I have yet to see my bank credit that amount to my account. 
After several phone calls to both the IRS and Wells Fargo and no resolution, I contacted US Congressman XXXX XXXX who agreed to call the Treasury and get an update on my behalf. The Congressman sent me a letter that indeed the IRS did send the {$1200.00} to my Wells Fargo checking account, yet my bank statement does not reflect such transaction. 
I sent so many emails to Wells Fargo and made many phone calls to them, asking them to help me find out what happened to my missing money from the IRS, and all I got is the biggest run-around ever, promising a call-back with a resolution, and no such resolution was delivered to me so far ( more than 1 year after the {$1200.00} was supposed to have been deposited ). 
I have 2 case numbers from Wells Fargo ( case number : XXXX - and Wells Fargo case number : XXXX from Wells Fargo Case Specialist XXXX XXXX ), but every time I reached out to them for an update on my missing stimulus direct payment, they keep referring me to the IRS. It's like they really don't care and wish I will just forget about it. 
I have been heavily impacted by Covid, and I am undergoing a lot of health and financial hardships, but Wells Fargo has so far completely ignored my pleas and mental anguish. 
Wells Fargo have been involved in scamming their clients in the past, and I am sad to say that they are again using the pandemic crisis to scam vulnerable impacted customers of their stimulus payments. It's unfair and I am praying for oversight. They are not above the law!! If any regular citizen is caught stealing {$300.00}, they get charged with felony theft and face serious consequences. Wells Fargo should not be allowed to steal from long-term " valuable customers '' in our darkest hours! Thank you.
Consumer complaint received 2024-12-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: REGIONS FINANCIAL CORPORATION (LA)

I had someone hack into my online banking and I tried to dispute it but I got denied even after providing the documentation. The last time I called I got a very rude customer service representative and she hung up on me. I just want my money back that should be insured.
Consumer complaint received 2022-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (IL)

I recently reviewed my credit report provided by your organization, and I was shocked to find several inconsistencies that are damaging my good name. I expect this letter to promptly resolve the pointed data which is reporting inaccurate.
Consumer complaint received 2021-10-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (FL)

I disputed with. XXXX XXXX  a bankruptcy they deleted it so I disputed with experian that they verify with them an thats how experian have it I show them the proof an they sayin that they dont used XXXXXXXX XXXX XXXX as proved but they did used them to add for my report doesnt make sense they dont want to deleted something that is been deleted it from who they used to verify that is XXXX XXXX XXXX
Consumer complaint received 2022-01-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NCD Financial, LLC (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX SS # XXXX Telephone- XXXX Date- XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IDAHO Account number XXXX XXXX 15 U.S. Code 1605 - Determination of finance charge a ) Finance charge definedExcept as otherwise provided in this section, the amount of the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges, payable directly or indirectly by the person to whom the credit is extended, and imposed directly or indirectly by the creditor as an incident to the extension of credit. The finance charge does not include charges of a type payable in a comparable cash transaction. The finance charge shall not include fees and amounts imposed by third party closing agents ( including settlement agents, attorneys, and escrow and title companies ) if the creditor does not require the imposition of the charges or the services provided and does not retain the charges. Examples of charges which are included in the finance charge include any of the following types of charges which are applicable : ( 1 ) Interest, time price differential, and any amount payable under a point, discount, or other system or additional charges. ( 2 ) Service or carrying charge. ( 3 ) Loan fee, finders fee, or similar charge. ( 4 ) Fee for an investigation or credit report. ( 5 ) Premium or other charge for any guarantee or insurance protecting the creditor against the obligors default or other credit loss. ( 6 ) Borrower-paid mortgage broker fees, including fees paid directly to the broker or the lender ( for delivery to the broker ) whether such fees are paid in cash or financed.

15 U.S. Code 1666b. Timing of payments b ) Grace periodIf an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge XX/XX/XXXX Account number : XXXX To Whom It May Concern, Kind regards, XXXX XXXX
Consumer complaint received 2021-08-20
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAINE & WEINER COMPANY, INC. (FL)

In XX/XX/21 I sent a letter to caine and WEINER to verify this debt. The letter was received on XXXX it was sent by certified mail receipt # XXXX. I never received a response or follow up on my letter ... let me say that again I never received a response from this company. This company would love to lie and say they sent me a letter regarding this account ( I would love to see that proof ). As you can see were almost in the month of XXXX. Its been pass 30 days this is a violation Im requesting removal of this account. Not a XXXX dollars but for you guys to honor my rights as a consumer
Consumer complaint received 2022-01-14
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I was given an EDD Debit Card when I was approved for COVID-19 Unemployment. In XX/XX/XXXX, my benefits were stopped due to an issue with my claim which was appealed. At that time, i also discovered that fraudulent transactions occurred on my card in XX/XX/XXXX and sent a letter to Bank of America to dispute the fraudulent transactions. All of the fraudulent transactions on my card occurred in States outside of XXXX  when I was at home in XXXX XXXX at the time of each and every fraudulent transaction on my card. A copy of the letter that I wrote to Bank of America regarding the fraudulent transactions is attached. Bank of America wrote me a letter back stating that my fraud claim was denied in XX/XX/XXXX ( close to a year after I sent in the letter disputing the fraudulent transactions in XX/XX/XXXX ). I did not authorize anyone else to use my card and did not take place in any of the fraudulent transactions made on my card. 

In XX/XX/XXXX, I won my EDD Appeal and EDD sent me a new Debit Card to receive my benefits on. On XX/XX/XXXX, partial benefits in connection with my favorable appeal were sent to my EDD Debit Card. I was not able to activate my new EDD Debit Card so I called Bank of America and was told that EDD placed a hold on my debit card. I contacted EDD on XX/XX/XXXX, and was told that EDD did not place a block on my debit card. A copy of the secure email that I received from EDD explicitly stating that they placed no block on the card and to contact Bank of America is attached.
Consumer complaint received 2021-10-06
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: HUNTINGTON NATIONAL BANK, THE (MI)

I used a feature in my banking app XXXX to place a deposit on a miniature horse that I was to purchase. ( Customary in XXXX industry ) after the transaction was completed, the seller disappeared. So I was scammed out of a {$350.00}. Deposit. I spent a great deal of time digging into this matter as I couldnt believe it happened to me. I have found more than 10 fake pages selling fake items using stolen pictures, names, profiles etc. there are more I am sure. I contacted several people that appeared likely to have fallen for the same scam. All the fake pages and sales and requests for deposits go back to the same people. I have all the messages, pictures and information about my transaction as well as pictures and information for the scammers pages. It is extensive and is on going. They are trying to sell me livestock right now as I make this complaint. I contacted my bank. Huntington Bank. They explained to me that I have zero protection and they have zero aid they can provide because XXXX is a 3rd party. My money in Huntington Bank would be protected and remedies would exist if I had NOT used XXXX. I reached out to XXXX. They stated that in the disclosures, they are not responsible nor will they help me in any way. I filed a complaint with XXXX. Now a complaint with you. The scammers that got me are good. They are doing this all over XXXX and who knows where else. There has to be some for of accountability for XXXX. Or for my bank who makes the XXXX payments available on banking app. The scammers need to be stopped, held accountable and restitution made to those that they have scammed. I feel violated on several levels. The scam itself, my bank as I believed my money was safe and that I had some for of protection, XXXX for making their service so easy for scammers to do this to people. My transaction was made on XX/XX/21.
Consumer complaint received 2021-10-06
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: V and H Portfolio (TX)

I was notified through my credit monitoring system that my score had dropped substantially on XX/XX/2020 due to a collection account that was reported on my credit. I immediately disputed this because it's not mine and requested the Credit Bureau to verify the debt. The Bureau came back and said it was verified but did provide me with any supporting documents showing this. I have tried disputing several times with no resolution so I'm taking this step.
Consumer complaint received 2022-01-05
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NC)

Experian allows one to initiate a dispute on their website or by phone. Their default delivery method for dispute results is electronic. However, there is a technical problem on their website which has existed for 6 months or more that prevents the user from viewing dispute results. And once results have been designated for electronic delivery, telephone agents can not provide dispute results and they can not change it to paper mail delivery. 

More detail : After a dispute is completed, Experian sends an email saying " Your dispute results are ready '' and a button in the email labeled " View Results ''. When you click that button, you are prompted to log in to Experian 's website, and you are routed to a page called Alerts, which is similar to a message inbox. In this Inbox, there is a message that says " Your dispute results are ready '' and it has a blue button labeled " See your dispute results ''. Clicking this button does not work. No window pops up. No page opens. It doesn't work on Windows PCs, or Mac, or iPhone. It does not work in Safari, Chrome, or Firefox browsers. It has *never* worked and Experian offers no technical support for the website. They refuse to take any complaints about technical problems on the website.
Consumer complaint received 2021-10-06
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)

i had a predatory vehicle loan from XXXX XXXX  and i voluntarily gave them the location of vehicle in exchange for voluntary repo on credit file.. XXXX XXXX  purposely puts comments on my credit report every couple months and it makes my score go down. this is a closed account and the car dealership that sold me the vehicle shut down in the middle of the night due to fraud allegations. they are saying that they sold my vehicle at auction for XXXX when it was a brand new car? i have disputed this account on my credit report since it appeared there and have asked numerous times to be shown proof of sale price at auction for my vehicle the company is rude and will not send me proof of sale amount because that is supposed to be taken off my loan amount. it should also be noted that the company had me sign the loan documents for my husband because he forgot to sign in a couple places. now XXXX XXXX is putting their own statements in my credit report asking anyone looking at my credit report to contact them about my derogatory account.. how is that even possible for them to do and they will not give me any information on the sale of vehicle. this account has been closed now it shows as a balance in my total credit on report.i have disputed numerous times and now they report on credit report every month.,. i am being harassed and my credit report being played with on purpose by XXXX XXXX and the credit bureaus. i bought the car for XXXX and they say i owe XXXX after the proceeds from the auction which is not true. i called XXXX and all they kept asking me was when i was gon na pay my debt still havent recieved anything about the auction .. this is very unprofessional for them, to do and we were tricked by the car dealership also .. the car was sold as a take over payments when i couldnt afford the payments but the guy i sold car to never made a payment and sent me fraudulent copies of money orders showing he paid it every month. thats when i found out and contacted them to tell them where to find vehicle to repo it. that wasnt my fault but they should of done what they promised that showed i helped them recover vehicle.. i am besides myself seeing that they have a comment on my report for anyone to contact about a closed account on my file.. i want to go to the highest level of appeal on this matter as i have stated since day one.
Consumer complaint received 2022-07-15
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. (FL)

I want to submit a complaint in my personal credit report information that is questionable. I would like to dispute certain information in my file which I believe is possibly an Identity theft and it was deleted from other bureaus. However, the Experian and XXXX credit Bureaus are reporting these information in my file. The inaccurate addresses are listed below : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-01-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Getting a loan or lease — Fraudulent loan
Company: Experian Information Solutions Inc. (MD)

I started a mortgage process and got a copy of my FICO report, then I was able to see that an account that is not mine was added to my credit report, from them I have disputed this account within the 3 bureau credit offices, also have reported to the Bank which the fraud account has been set but it is still under investigation from XX/XX/2021 but haven't received final resolution. 
I have never used this bank for any loan and they say that the information is accurate, similar response I got from 2 of the Credit Companies which is false and it's impacting my ratio debt and credit score, increasing my level of stress handling this situation.
Consumer complaint received 2022-01-14
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: CrossCountry Mortgage LLC (CA)

The mortgage holder recalculated our escrow payment balance in XX/XX/2021. They " discovered '' that we had over funded the account and they wrote us a check for {$6000.00}, the current balance of the account. Additionally, they lowered our mortgage payment by almost $ 1000 monthly. 

However, this recalculation was incorrect and had our new property tax allotment in escrow payments at 0 dollars a month. We called to let them know this was incorrect. They asked us to deposit the amount of the check they sent us to our escrow account and that they would run a reanalysis for escrow payments. 

Next month, our payment was still incorrect and we'd heard nothing back from the company. I called again and they're running another analysis to hopefully fix the the problem. 

The issue i have is every miscalculated payment increases my mortgage payment by ~ {$100.00} a month when they finally get around to realizing i do in fact owe property taxes.
Consumer complaint received 2021-10-06
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Navient Solutions, LLC. (IL)

The nature of this correspondence is to inform you an error and greivance that has caused me severe hardship on my credit report, i'm speaking of the charge-off ( s ) on my XXXX and XXXX credit file. On XX/XX/XXXX I made a payment to Navient I have attached my bank statement to this message as proof. 


I had made a payment but the loans were still charged-off on XX/XX/XXXX. According to the Cares Act their was a Covered Period that started XX/XX/XXXX which goes 120 days after XX/XX/XXXX. Under those terms I should've been covered without the derrogatory marks and late payments on my credit file. Furthermore I was informed by a Navient Supervisor that there was a program that I could've qualified for that could have saved me, but Navient did not disclose this information to me. 


Lastly I have made a several of payments in XXXX I have attached bank statements to this message. And I bring that up because as you know Navient is in a Lawsuite with the CFPB ( Article attached to this Message ) where they ( Navient ) forced borrowers into high payments which had a negative affect on borrowers credit file and I was notified that I was a victim as well.
Consumer complaint received 2022-01-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (IN)

I own 5 rental homes and have mortgages on all five ( with three different mortgage companies ; New Rez/Shellpoint XXXX XXXX XXXX XXXXXXXX XXXX and XXXX ). 

XX/XX/XXXX- my insurance company, XXXX XXXX, sent each mortgage company a declaration page covering all five homes in the amount of {$4900.00}. After sending out the main declaration page for all five homes, my insurance agent ( XXXX with XXXX XXXX XXXX XXXX XXXX ) immediately sends the mortgage companies a breakdown of how much to pay towards each home ( between $ XXXX {$1000.00} per home ). 

Each mortgage company pays the insurance premium then, recalculates the escrow based on any increases in taxes and insurance from the previous year. This has been set up between my mortgage companies and my insurance company, in this way, for 15+ years. 

Note : New Rez/Shellpoint holds the mortgages for three of my five rental homes. They paid the correct amount of insurance on two of the homes but on the third home they paid the master total of {$4900.00} for all five homes. 

XX/XX/XXXX, I received a check for overpayment from my insurance company. I immediately contacted New Rez and told them to put it back into my escrow so I wasn't short. I paid the overpayment directly back into escrow over the phone. 

XX/XX/XXXX I received an escrow analysis stating they are increasing my monthly mortgage payment due to an increase in my homeowners insurance and shortage of escrow. 

Summary : New Rez made an incorrect payment into the escrow of one home causing that mortgage to increase by $ XXXX. I have been making weekly phone calls trying to get this resolved since XX/XX/XXXX. With each phone call I am told they would be getting a new declaration page from my insurance agent at the number verified XXXX, and will issue a new escrow analysis within a few days. 

I have the names, dates, times, and notes of every phone call. I have a record of agents opening a ticket then closing it the next day without any changes being made. I have agents calling themselves Supervisor when they were simply a team lead who couldn't come to the phone upon a follow up phone call the following week ( supposedly only supervisors are able to take calls ). 

This, along with my social security income, is my retirement income. I count on the money I get from the rent on these houses. A {$400.00} a month increase in my mortgage will bankrupt me within the year. Someone needs to make the corrections necessary to fix this problem before my next payment is due XX/XX/XXXX.