davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-12-09
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (ME)

On Friday at XXXX XXXX XXXX I initiated a wire transfer ( Confirmation Number XXXX ). This is one-hour before the deadline of XXXX XXXX to complete wire transfers. As of Monday at approximately XXXX hrs, USAA representative stated on a recorded line that they were experienceing wire transfer issues on Friday and wire transfers had still not been completed. As a result, my {$2000.00} has been locked up with no progress. The financial bind theis organization has put me in over the past XXXX months-plus is unspeakable. I will be closing my account, but they need to held liable for this latest XXXX.
Consumer complaint received 2023-04-13
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: Experian Information Solutions Inc. (FL)

XXXX has not reported any information re my credit card since XX/XX/XXXX I called XXXX and was told they report every 60 days. I advised it had been longer than 60 days I filed a dispute w credit bureaus. The outcome of those investigations is XXXX reported account closed with XXXX balance. XXXX insists they did not report this, however XXXX still as of XXXX XXXX has not reported to any reporting agencies. I spoke with a supervisor today after holding 30 minutes told me the only way to help is fax the credit bureau info. I did that once in early XX/XX/XXXX to XXXX XXXX XXXX and XXXX claims they did not receive it and told me to fax again which I refused. Supervisor was rude and not helpful. I asked why I need to send info, I'm the customer and being asked to do all of the legwork for months.
Consumer complaint received 2023-03-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Balance transfer of XXXX was requested on XX/XX/XXXX from Comenity Bank Balance transfer was canceled/ stopped on XX/XX/XXXX Check was disbursed by Comenity on XX/XX/XXXX Clear XXXX XXXX XX/XX/XXXX Funds returned to Comenity Bank on XX/XX/XXXX Balance transfer fee of XXXX appeared on XX/XX/XXXX Statement Return of balance transfer of XXXX appeared on XX/XX/XXXX Statement Numerous attempts were made to have Comenity credit the fee of XXXX also the accumulated interest, that was the result of the unpaid fee of XXXX Statements have been paid in full each month, excluding fees and interest due to the unpaid balance transfer fee of XXXX Complaint was issued with XXXX and as a result Comenity issued a credit for the fee of XXXX and a partial credit of XXXX on accumulated interest, leaving a balance of XXXX in interest. Comenity issued the credit on XX/XX/XXXX. Credit posted to XX/XX/XXXX Statement, leaving an unpaid balance of XXXX in disputed interest. 
The disputed unpaid interest of XXXX generated an additional interests and fees of XXXX, a total of XXXX, as of XX/XX/XXXX Statement XXXX XXXX became the servicer of the account as of the XX/XX/XXXX Statement and XXXX XXXX has proceeded to charge XXXX in interest. 
Bringing the disputed interest and fees to XXXX Comenity indicated in their correspondence of XX/XX/XXXX : " We've reviewed the relevant telephone calls [ XX/XX/XXXX and XX/XX/XXXX ]. We found instance ( s ) where your concerns were not addressed to our standards. '' Comenity failed to stop the check before or after it was disbursed Comenity refused to acknowledge that their standards were not handled properly before XXXX  contacted them in XXXXXXXX XXXX XXXXXXXX. 
Balances on each Statement Period were due to the " disputed interest and fees '' Interest began to be charged on XX/XX/XXXX Statement, four months after dispute and two months after disputed amount appeared on the XX/XX/XXXX Statement I have been contending with Comenity from XX/XX/XXXX until now As to date, between Comenity and XXXX  XXXX the disputed interests and fees is XXXX
Consumer complaint received 2022-09-21
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: WHEELS FINANCIAL GROUP, LLC. (OH)

My original loan was {$6000.00} amount from statement. 
I was told that my 1st payment would be about {$150.00} more than my monthly payments for an admin fee. I questioned payments because I'm on a fixed income and before I finalize loan I wanted to know it would fit my budget, I was assured that it would. That was a lie. I have paid XXXX to date. In XX/XX/XXXX before my due date I contacted company to request late payment waived because I was going to be 1 week late with payment. I was told when my car was repossessed by them that this was an option when I explained that XXXX of the month, 1 day after due date I receive additional monies to complete payment. As soon as additional monies was available, I went online and paid. This was the first time asking but neither rep would acknowledge that I was told this. I asked to speak with the rep that I spoke with previously but told they were unavailable. I made payment as I said minus late fee. Per billing ; XXXX, XXXX, XXXX and XXXX it showed and unpaid late fee of {$30.00} with payment of {$440.00}. I made {$440.00} payment on XX/XX/XXXX. After that payment, they changed status of {$30.00} from unpaid late payment to part of loan payment which made the status of my loan payment as late and incomplete also charging me another late charge.
Consumer complaint received 2022-07-29
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. (PA)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block these files. 
XXXX XXXX XXXX Balance : {$2100.00} XXXX XXXX Balance : {$2900.00} XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$1200.00} XXXX XXXXXXXX Balance : {$1600.00} XXXX XXXX XXXX XXXX Balance : {$600.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$490.00} XXXX XXXXXXXX Balance : {$1000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1300.00} If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2024-12-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America stealing my money again Debit card no. XXXX XXXX XXXX XXXX a Debit XXXX XXXX DUPLICATE DEBIT XXXX The headquarters of XXXX XXXX, the company that issues XXXX XXXX, is located in XXXX XXXXXXXX XXXX. XXXXXXXX XXXX regional headquarters for XXXX XXXX and the XXXX is located at XXXX XXXX XXXX XXXX XXXX Bank of America 's headquarters are located at the Bank of America XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

Bank of America launched the first consumer credit card program in the United States in XXXX, which later became XXXX in XXXX
Consumer complaint received 2022-09-27
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)

I am filing this report against XXXX XXXX XXXX XXXX because they are filing with the credit report inaccurate information. This financial institution has been reporting a delinquency to the credit report despite me giving them my payments on time without any delays. I'm a very punctual person that makes their payments on time always and despite this fact they are claiming that they have conducted an " investigation '' and they are concluding that the delinquency is valid. In addition, they hung up the phone on me multiple times and claimed they will not remove the delinquency to protect their brand. Their brand is not of my concern because they made the error and they need to fix it. If my payment was processed by them on time I'm not supposed to be held responsible for their shortcomings. Therefore, this issue needs to be resolved and the payment that I made on time must be reported correctly. Just because they are XXXX XXXX and they have a high reputation in the automotive industry does not give them the exception to treat consumers like garbage. I make all my payments on time and they can not bring their reputation to avoid responsibility.
Consumer complaint received 2022-09-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (NJ)

XX/XX/XXXX I received a call from Wells Fargo ( it was their number but not them ). They had all my information when I answered the phone and had advised me rhag my card had been used for fraudulent purchases ( when I checked online it had ). The imposter rep assured me it was all going To be returned. I had {$31000.00} taken ( combined debit purchases and wireXXXX transfers XXXX I have a police report detailing everything. I received the debit purchases totaling {$11000.00}. Wells Fargo is refusing to return the {$19000.00} in transfer stating that because it was done using a secure system it was approved by me. It infact wasn't. I am out years worth savings. I believe it was an inside job. This person know my account info and would call me an hour or two after I had called Wells Fargo myself.
Consumer complaint received 2023-03-30
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: Experian Information Solutions Inc. (NJ)

XXXX XXXX XXXX is reporting inaccurately and XXXX is reporting a debt on my account for a collection that is inaccurate. It also has incorrect information reporting. The amount is {$350.00} and {$700.00}. In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose
Consumer complaint received 2022-09-27
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Corp Solutions Inc. (TN)

CREDIT CORP SOLUTIONS apparently purchased the alleged debt from XXXX XXXX, CREDIT CORP SOLUTIONS has continuously harassed and oppressed me for a year. using false representation of the character and amount of the alleged debt. sending me misleading and inaccurate statements. I have responded several times by sending certified debt verfication letters along with a cease and desist. CREDIT CORP SOLUTIONS only would come back with more false and misleading documents. a year passed then an alleged law firm by the name of XXXX XXXX XXXX got involved and started harassing me by sending me the same false and misleading documents. I responded everytime with a certified debt validation request and they would only send me back more inaccurate statements. dates of CREDIT CORP SOLUTION harassment dates started XXXX ... XXXX ... XXXX ... XXXX and XXXX XXXXXXXX XXXX XXXXXXXX continued the harassment XXXX also in XXXX when CREDIT CORP SOLUTIONS first contacted me and I responded. XXXXXXXX XXXX SENT ME A LETTER ALONG WITH A CHECK ( THAT IM SURE THE AMOUNT WAS INCORRECT, IM SURE THEY OWED ME MORE ) Admitting that the debt was inaccurate and charged me incorrect interest fees. THE CFPB ALSO BROUGHT A CLASS ACTION LAWSUIT AGAINST XXXX XXXX FOR CHARGING INCORRECT INTEREST FEES TO THEIR CUSTOMERS AND FOR DISCRIMINATING AS WELL.
Consumer complaint received 2024-12-12
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A. (TX)

Got credit alert on XX/XX/year> about an inquiry from CBNA/THD , which after XXXX  I determined was for the CitBank Home Depot credit card . 

This was a fraudulent attempt by someone to open an account in my name. 

My complaint is that Citibank makes it NEAR IMPOSSIBLE to speak to a person who can help. 

I tried four different phone numbers 1. The phone number listed on my credit report alongside the inquiry 2. XXXX for a Citibank fraud # and tried that one 3. XXXX  for a Citibank Home Depot specific # and tried that one 4. Call a general Citibank phone # In all cases ( even if you get a human in a call center ) you inevitably end up in an automated system that wants you to provide an account # to verify your account. 

I am not a customer and therefore can not get validated, so I eventually get disconnected.

I spent 1.5 hours calling 4 phone numbers, before I was able to get DIRECTLY CONNECTED to someone within the fraud department who could investigate this for me. 

They were able to reverse the credit application and start the process to remove the inquiry.

BUT MY COMPLAINT IS THAT THEY SHOULD HAVE AN EASILY ACCCESIBLE PHONE # FOR FRAUD THAT ALLOWS SOMEONE WITHOUT AN ACCOUNT NUMBER OR APPLICATION REFERENCE # TO SPEAK TO A PERSON WHO CAN HELP Over the years I have had several fraudulent credit cards opened, and every other institution was fairly easy to get ahold of. CitiBank by far has been the absolute WORST
Consumer complaint received 2024-12-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Amsher Collection Services, Inc. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. Account name : XXXX XXXX XXXX  # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-09-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC. (TN)

Hello - I recently ran a Credit Report on XXXX  and noticed two accounts that were Fraudulently opened in my name. Accounts with these two Credit Unions indicate balances owed and late payment history. As a result, my Credit Score is severely impacted and affecting my ability to qualify for loans. As I did not open these accounts, I am working with the individual Banks to close the accounts and restore my credit ( Formal complaints attached ). Any help to resolve would be very much appreciated. Thank you. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-12-10
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: WELLS FARGO & COMPANY (AR)

The issue started in XXXX when I was on short term XXXX after being in a car accident. Wells Fargo said they would work with me and offered me the option to make partial payments. I made all of those payments but they still reported to the credit bureau that I missed 12 months of payments. This tanked my credit score and made it impossible to do any refinancing, and also affected a government job I had. A few years later ( XXXX ) I left said government job and needed assistance while in between jobs. I made the trial payments of the loan modification, and then at their direction I stopped making payments until the modification is complete because they told me it would mess up the modification. It actually caused the modification to fall through and I fell even further behind. I've tried multiple modifications and they have always found some excuse to not go through. Recently I am working out of state, and was applying for some assistance just to get current, and they informed me to wait for the VA options to become available, so I did. They ( Wells Fargo ) denied my eligibility for the better VA option because I'm not occupying the home ( I'm working out of state, my wife and daughter are in the home ). I contacted the VA and they informed me that working out of state is not a reason for denial. Wells Fargo refuses to reverse their decision, and has also continually told me conflicting information throughout this process : such as not informing me of a decision via email, and one agent reads the email that was supposedly sent to me over the phone ( it was never sent ), while the next agent I spoke to said no email was ever sent. They refuse to work with me and the only modification I'm approved for ( even though the VA says I should be approved for others ) is one that raised the interest rate to an insanely high amount.
Consumer complaint received 2022-09-28
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: Kikoff Inc. (LA)

I got my wallet stolen and someone used my stuff to open a card and now its on my credit sent police report from the day the wallet was stolen and also a report showing that they have my info. And dispute the action. And still no response. Which has effect my credit score so I cant buy anything with this on there.
Consumer complaint received 2024-12-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC (TX)

I refinanced my loan from Newrez to another lender with payoff completed to Newrez on XX/XX/XXXX. Issue in getting my escrow balance of approximately {$7400.00} left in my account to be refunded. 

XX/XX/XXXX : Mortgage loan paid off to Newrez XXXX : Called Newrez customer service inquiring escrow balance refund. XXXX told check was sent on XX/XX/XXXX but i told them it's not received. I requested them if possible to refund electronically. 

XX/XX/XXXX : Called Newrez customer service again and inquired about escrow balance refund. I requested again if possible to refund electronically as that would be quicker.. Agent noted down the bank details and mentioned it will be refunded within a week. Spent approximately 15 mins over call. 

XX/XX/XXXX : Refund not received, called customer service again. Agent told, he will submit a ticket to concerned department and expedite. Agent mentioned, refund will be issued by XX/XX/XXXX. Spent approximately 20 mins in a call with agent. 

XX/XX/XXXX : Refund not received. Called customer service for 4th time, agent said ticket submitted earlier was closed by concerned department stating " No balance '' although he said there is an escrow balance left. He said will submit another ticket and get it escalated to concerned department. I requested the agent for email id to concerned department since i'm not getting any communications or updates for the concern raised over the call. 


XXXX : Called Newrez customer service for XXXX time to inquire for escrow refund. Again, agent said he will submit a ticket to get the refund. I expressed my disappointment as o don't see this issue being looking into correctly. Also, i have not received any response to my email sent on XX/XX/XXXX. Agent stated i should get the refund by XXXX. 

XX/XX/XXXX : No refund received yet, so called Newrez again for 6th time and spent almost 120 mins to explain the details and for the agent to put me on hold to review the account. Agent stated they incorrectly applied escrow balance to principal rather than the buydown fund and said will submit a ticket to concerned department to review the account further and it might take upto 60 days to get the refund from paid off ( which is on XX/XX/XXXX ). I requested the agent that i need to talk to the supervisor. After a brief hold, i spoke to the supervisor and explain the issues/concerns and my disappointment & frustration that i'm spending lot of time to get the refund but ending up no response/communications from the loan servicing department. Supervisor said she understood but there is nothing much she can do as it needs to go to another department for review and said will escalate this ticket and try to expedite. 

I'm running out of options and spending lot of time to get the escrow refund from Newrez and expecting this to be closed/resolved soon.
Consumer complaint received 2023-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Credit Reports for collection of delinquent child support, judgements, fines and liens may no longer be permitted. 

Federal courts recently have issued rulings about the use of consumer reports for the collection of an account under the Fair Credit Reporting Act. 

I have contacts all 3 credit reporting agencies with Notarized Letters to comply and they have disregarded my notifications and will not comply with the Federal Courts Ruling. Therefore they continue to cause damage to myself and my family 's well being due to these accounts not being removed from all credit reporting agencies.