davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-07
Product: Credit card or prepaid card — Store credit 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: TD BANK US HOLDING COMPANY (NJ)

Placed order XXXX with Nordstrom Rack for a total of {$110.00} for three pairs of shorts. Received one soft package with one pair of black shorts in it shipped from Nordstrom Rack location in XXXX, Florida. The packing slip claimed that three pairs of shorts should be enclosed ( picture attached ). On XX/XX/2020, attempted to contact Nordstrom Rack customer service, was number 308 in chat queue, when it became my turn, the chat was abruptly cancelled, called customer service, after on hold for 47 minutes, phone agent XXXX pretended not to hear me. Called Nordstrom card services on the same date, spoke to XXXX, reference number XXXX, disputed {$79.00}. I really have to do a lot of work to attempt to initiate/resolve such a minimal dispute that is no fault of my own.
Consumer complaint received 2024-11-14
Product: Credit 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: WELLS FARGO & COMPANY (NV)

My credit card expired XXXXthe wells Fargo mail a new card to me.unfortunately I didnt receive new card.the card was lost or stolen.two weeks later I received an alert from bank .some one use the card purchased at XXXX XXXX amount $ XXXX.I reported Wells Fargo request stop and cancel this card as soon as possible.unfortunately the company deny my dispute.the company told me this card shopping at XXXX XXXX.so they think I should pay.the question is I never received new card.would you please help me with this issue.thank you
Consumer complaint received 2023-09-06
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: NAVY FEDERAL CREDIT UNION (GA)

XXXX received certified letter in mailbox with card missing for certification from NFCU. Envelope stamped XX/XX/XXXX XXXX Notice. XXXX dated XX/XX/2023. Formally notified that mortgage holder NFCU is advising the loan is in default for failure to pay amounts due. 
I believe this is a retaliation for XXXX with CFPB, which was settled with a Heloc and paid with all amounts due through XXXX per the statement given by NFCU provided XXXX site. Reviewing the date the wire transfer made to NFCU from the funding account a credit of {$25.00} was applied to the principal of the mortgage on XXXX, the same date of this letter. The representative I spoke to today mentioned it must have been auto printed that morning of the XXXX. The question I have based off the data, it does not reference any other unpaid sums before the wire transfer took place in the afternoon, it references The loan payment and subsequent payments, plus late charges, fees, and other costs, was due on XXXX XXXX. As of the date of this notice, the total delinquency and reinstatement amount is {$25.00}, which consists of the following : Next payment due date XX/XX/2023 Current Monthly Payment {$1400.00} Total Monthly Payments Due {$0.00} Late Charges {$0.00} Other Charges Uncollected NSF Fees {$0.00} Other Fees {$0.00} Corporate Advance Balance {$25.00} TOTAL REQUIRED TO CURE DEFAULT {$25.00} This continues on for the rights to assess fees etc for the declaration of XXXX on XX/XX/2023.
Consumer complaint received 2021-12-01
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: Resurgent Capital Services L.P. (SC)

I have contacted XXXX several times because of this debt that their reporting to XXXX in the amount of $ XXXX statue of limitations for a credit card debt in South Carolina is 3 years from the date of first delinquency, which is XXXX XXXXhis debt is being reported inaccurately.XXXX didn't validate this debt.They sent a statement which is not debt validation and there is no signed contract with the company.
Consumer complaint received 2021-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (CA)

I had enrolled with experian back in XXXX, my credit score was at XXXX in XXXX, it may have been XXXX, I was informed by experian that their servers were hacked, as a result my credit dropped to a reported 4. I have been going back and forth with them ever since on the matter. My credit was back in the green ( XXXX  ) as of XX/XX/XXXX at roughly XXXX, around that time I submitted an inquiry to experian as to why they have been unable to provide my credit score, nor been able to for a number of months. I paid wise credit report and they were able to provide all 3 in a matter of seconds. I included this information in my email to experian backing up my complaint as to why other credit companies, as well as my credit union can provide my score but experian consistently is unable. A few hours after sending my email to experian I went online with XXXX XXXX for my credit score and most current, I had a review done 2 weeks previously. My credit went from a XXXX to XXXX in a matter of hours.I do not understand how my score could have dropped 51 points that quickly. 
My wife and I are trying to buy a home and I do understand any hard pull can lower a credit score by a couple of points when a credit check is ran.

My previous inquiry with experian lowered my credit 10 points, I had no other inquiries on my credit at that particular point and time at all. Now after asking experian for an explanation, my credit was reduced drastically. 
I have talked with friends who have the same app and have learned a few of them have had the same or similar issue as well when they have made a complaint/inquiry and seen their credit decline. 
I am registering my complaint on this matter to other watch dog companies as well.
Consumer complaint received 2022-03-21
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem when attempting to purchase vehicle at the end of the lease
Company: JPMORGAN CHASE & CO. (CA)

XXXX XXXX XXXX ( via Chase ) refuses to process the check I sent to pay off my car lease. Its been two weeks since the check was overnighted and they still havent deposited it. Customer Service gives conflicting information about when the check will be deposited, and right now my car is in limbo, still titled to XXXX XXXX XXXX well beyond the lease end. ChaseXXXX has held my money in limbo for an unacceptable amount of time and I am out the cost of overnighting the check which was pointless since they havent deposited it.
Consumer complaint received 2022-06-21
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (IL)

XXXX XXXX I was scammed by a fraudulent person posting as an XXXX representative. He claimed he will upgrade my membership and give me a refund back. Convinced me to go online, give me instructions over the phone and scammed me to send {$10000.00} by wire transfer to his account. XXXX XXXX. I personally went to the bank and reported the scam. I spoke to multiple bank employees in almost 2 weeks following the incident. I was told, the bank have tried to recall the wire but to no success. One of the bank representative had personally told me the bank does not care. One of the Chase Bank employee, tried to help and made a few phone calls but nothing happened. Chase Bank, never cared. They did not even have a case filed made up about this incident. I went to report this scam to my local Police department, Detective XXXX was very nice and knowledgeable. He had been following up my case. And lately had apprehended the scammer but he is not from my city. Thereby advised me to file this complaint against The Chase Bank ( JP MORGAN CHASE ).
Consumer complaint received 2022-10-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (SC)

On XX/XX/XXXX, my insurance with USAA was cancelled due to non-payment. This is a request of validation of debt and authenticated statement of account associated with USAA member no. XXXX. I have tried to resolve this issue multiple times with the Financial Institution. There is a claim of debt being owe to USAA when that is inaccurate reporting. As a Financial Institution, USAA is obligated to the Truth in Lending. Full disclosure was not given to the consumer that the original application of credit was payment for an open-end account. Every application is a letter of credit, as defined in UCC 5-104. A letter of credit is authenticated by signature. There is no payment required. I became a member with USAA in XXXX and I have made payments in good faith to ensure that the insurance policy would stay active. USAA never disclosed that it was a financial institution. USAA never disclosed the Truth in Lending Act. USAA has taken payments from the consumer and pursuant to 15 U.S.C. 1692 ( h ) I demand that all payments made to USAA be returned to the consumer IMMEDIATELY. USAA has used my social security number which is a credit card pursuant to 15 U.S.C. 1602 ( L ), and I have not received any benefits from the use of my credit card. USAA is acting as an unauthorized user ( 15 U.S.C. 1602 ( p ) ) of my account by utilizing my credit card and that is a criminal liability pursuant 15 U.S.C. 1611 for willful and knowingly committing fraud. This correspondence, administrative process, serves as Notice of Service to, USAA, and Notice of Intent to resolve this matter in a court of competent jurisdiction pursuant to 15 U.S. Code 1692 ( k ) if actions acceptable to the consumer, pursuant to law, do not occur within the allotted time. I, XXXX, XXXX, is a natural person, consumer pursuant to 15 U.S. Code 1692 ( a ) ( 3 ), and creditor pursuant to 15 U.S. Code 1692 ( a ) ( 4 ). I extended my credit to USAA, please show me a corrected copy of the 1099 that is to be filed by the Financial Institution quarterly. The statement of account should be an authenticated record from an accountant and not a billing statement. Being that credit is the only true monetary source of any transaction, there should be no billing statement whatsoever. Remittances are not being accepted by USAA. The APR is to be applied to the unpaid balance. USAA refuses to do so. I demand that my policy be reinstated, and I demand that payments made in good faith be returned IMMEDIATELY.
Consumer complaint received 2020-12-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (AR)

On XX/XX/2020 I was trying to make a payment online to our mortgage company, NewRez. I went into the website like I always do to make my payment. When I logged in to my account and put in my login information, it went to the same page as it always does to enable me to make my payment online. When I clicked on the make-a-payment button, I got a message saying that this loan doesn't accept online payments. I tried it several more times thinking that maybe I put in the wrong info and kept getting the same result. I then called the number for customer service listed on the website and also another number listed on my statement. I finally talked to a csr and when I gave them our loan number and my husband 's SS #, they told me they couldn't find our account information. I asked them how that could be true, because we have had the same account info since we have been with this company. They acted like they didn't know what could be wrong. I asked them why I was not able to log in and make my payment online like I always do, and they said they didn't know. The csr told me that they would inform their tech dept about the issue, and they would contact me by email about it within 24 hrs. Today is XX/XX/2020 and I still haven't heard anything from them on this matter. I just logged into my account again a few minutes ago, and when I put in my login info, it told me my info is wrong. I know that I am putting it in correctly, because I have my info written down so I wont forget. I have heard about people getting their mortgage information stolen and others using it to open new accounts. I need to know what is going on with this. Also, I just realized that the number I was giving them was an account number and they asked for a loan number, which I don't have. But they should still have been able to find our account info using my husband 's SS # and the account #. Your help is appreciated.
Consumer complaint received 2022-10-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

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 15 USC 1681. 

XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX # XXXX, 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 seven 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 2021-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION (WI)

On XX/XX/XXXX Credit Acceptance reported on my credit report that I was current and up to date on my payments. On XX/XX/XXXX Credit Acceptance reported that I was delinquent on my account which dropped my credit score tremendously. I contacted Credit Acceptance multiple time speaking with XXXX and XXXX and they both stated that was an error because they only report if you are 30 days late. I'm am currently in the process of purchasing a home and they are also going to pay the vehicle off as to why I haven't paid my current balance of XXXX but both stated that it still isn't 30 days late because my due date is on XX/XX/XXXX and it's only 7 days late due to being paid off when I close on my home. I asked for something in writing just to inform my mortgage company that this was an error and they stated that they were not able to put anything in writing because they don't have the proper format to write a letter and that I would have to dispute it. I'm set to close on my home on XX/XX/XXXX. 

Signed very upset,
Consumer complaint received 2020-12-03
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: The CMI Group, Inc. (OH)

We repeatedly get calls from Credit Management Company for a " XXXX XXXX XXXX  '' bill we do not owe on. We called the original creditors, they realized it was erroneously added and said they would fix it. Four months later and I get around 6 calls a day even though I owe no money. They reported this to the credit unions and ruined my credit for something I did not do, right before I was preparing to buy a house. This company has ruined my credit and continuously harassed me for a bill I do not owe and have to correct multiple times. This is not acceptable.
Consumer complaint received 2023-05-15
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (TX)

I had a checking account with Wells Fargo and they continuously let my account go negative so they can charge me numerous fees. I called because I wanted my account to be set up where it doesnt allow my account to go negative or overdraft and the representative stated there was no way to stop charged coming through account. They wouldnt help refund fees and I couldnt pay the full amount so they closed my account. This was back in the year 2021 when I had my checking account and it was closed due to the overdraft fees.
Consumer complaint received 2020-06-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: DISCOVER BANK (CA)

Discover is fraudulently collecting late fees on my payments. 
I keep paying on the due date, and Discover keeps collecting late fees EVERY TIME I PAY ON TIME!!!!! 

I have paid the minimum on XX/XX/2020 ( the due date ) and got charged a fee for " paying late ''. 
I have paid the minimum on XX/XX/2020 ( the due date ) and got charged a fee for " paying late ''. 
I have paid the minimum today XX/XX/2020 ( the due date ) and will likely get charged a fee for " paying late ''. 

Discover needs to refund all the late fees associated with payments on XX/XX/2020, XX/XX/2020 and XX/XX/2020
Consumer complaint received 2021-05-26
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: EQUIFAX, INC. (LA)

I mailed letters to the credit agencies and nothing happened. 
I have inquiries that I did not authorized. 
I have wrong names and addresses that do not belong to me. 
There are late payments and other accounts that are reported late and charged off that are not true. 
I see an account that does not belong to me.
Consumer complaint received 2020-05-07
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Alliance One, Inc. (WA)

In XXXX, govern XXXX entered a proclamation suspending garnishments and the fees that follow due to COVID 19, but today I received certified mail from Alliance One providing a copy of the writ of garnishment to garnish my wages. The garnishment was filed on Not only is this unjust it is bad business. We are in the middle of a pandemic, a state of emergency. Id like to issue this complaint in regards to the proclamation from our governor. 

Thank you
Consumer complaint received 2022-10-12
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. (IL)

I am very disturbed and upset the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60 days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Under 15 USC 1692f a debt collector may not use any false deceptive or misleading representation or means in connection with the collection of any debt this account is in violation XXXX XXXX XXXX  Account Number : XXXX As a consumer by law this account must be deleted immediately 2. Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is identity thef XXXX XXXX  Account Number : XXXX As a consumer by law this account must be deleted immediately XXXX. Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is identity thef XXXX Account Number : XXXX As a consumer by law this account must be deleted immediately 4. Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is identity thef XXXX XXXX  Account Number : XXXX As a consumer by law this account must be deleted immediately 5. Verify This invalidated account XXXX XXXX XXXX XXXX Account Number : XXXX Delete account for failure to perform an investigation per fcra regulation
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

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 15 USC 1681.

I looked at my Equifax credit report on XXXX XXXX XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( i ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are supposed to 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. 

Account names and amounts that has VIOLATED my RIGHTS XXXX XXXX XXXX XXXX XXXX {$11000.00} XXXX XXXX XXXX XXXX {$8800.00} XXXX XXXX XXXX XXXX {$8700.00} XXXX XXXX XXXX XXXX {$8300.00} XXXX XXXX {$3700.00} XXXX XXXX XXXX {$5500.00} XXXX XXXXXXXX XXXX {$730.00} XXXX XXXX - XXXX XXXX XXXXXXXX XXXX {$3800.00} XXXXXXXX XXXX XXXX XXXX {$4200.00} XXXX XXXX XXXX XXXXXXXX {$4700.00} XXXXXXXX XXXX XXXX {$7200.00} XXXX XXXX  XXXX XXXX XXXXXXXX {$2800.00} XXXX  XXXX XXXX XXXXXXXX {$970.00} XXXXXXXX XXXX XXXXXXXX {$1200.00} XXXX XXXX XXXX  XXXX {$1700.00} XXXX XXXX XXXX XXXX {$1100.00} XXXX XXXX XXXX XXXX XXXX {$1900.00} XXXX XXXX XXXX XXXX XXXX {$930.00} XXXX XXXX XXXX XXXX XXXX {$1800.00} XXXX XXXX XXXX XXXX XXXX {$370.00} XXXX XXXX XXXX XXXX XXXX {$650.00} XXXX XXXX XXXXXXXX {$5000.00} XXXX XXXX XXXX XXXX {$610.00}
Consumer complaint received 2021-05-26
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: EQUIFAX, INC. (NC)

Equifax - I have sent over 4 dispute letters to Equifax all by certified mail and requested to remove inaccurate accounts on my credit report and they have yet to remove it. The company has been in violation of the FCRA for over 90 days now and I would like some action taken to get this resolved. I will be sending a letter to the attorney general of NC about this matter if it continues to not get resolved. 

Dates : XX/XX/2021 - XX/XX/2021 Actions Taken by Me : Sent 4 dispute letters to Equifax by Certified Mail pointing out FCRA violations.