davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-11-10
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: SCHOOLSFIRST FEDERAL CREDIT UNION (CA)

I bank with Schools First Credit Union for many years. I have a personal and car loan through them. I do n't normall look at the transaction but today I did. My payment is set up to pull from my checking account automatically. The banks allows a 15 day grace period before the payment is considered late. Today I discovered that the day after the payment is due if the funds are n't able to auto draft they charge a {$20.00} NSF fee even though they have a day grace period. 

Can they legally do that? What about a 15 day grace period? 

Between both loans I have been charged about 10 times ( {$200.00} ) just this year. I have no idea how long this is happening. 

Because they are turning around charging me {$20.00} I am paying interest on a higher amount when I think my balance is being reduced. 

Thank you
Consumer complaint received 2017-11-10
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Hillcrest Davidson & Associates (GA)

On XX/XX/2017 at approximately XXXX XXXX I contacted Hillcrest Davidson & Associates regarding a fraudulent item being on my credit report the young lady transferred me to her manager who then found my account and sent me back to the initial young lady I began to explain to her that I was a victim of identity theft and I had already went through the process of filing a FTC report and police report. She began to yell at me and said if I want her help I would listen and said she was n't gon na help me get the item deleted off my credit because I corrected her for her offensive language and the tone she was yelling. I stated to her that I would be filing a complain and she said she did n't care and hung up the phone in my face leaving me without any assistance and basically no hope in ever rectifying the matter with their firm because of the threatening and verbally abusive and unprofessional nature
Consumer complaint received 2017-11-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (CA)

My wife and I never signed or agreed to authorize XXXX XXXX XXXX XXXX, Wells Fargo or anyone else to deduct any money from our checking account for supplemental health insurance being sold as XXXX XXXX XXXX Plan Coverage through Wells Fargo bank. 

I contacted a XXXX XXXX XXXX representative by phone. The representative told me that the XXXX XXXX XXXX Plan Coverage listed my birthday as XX/XX/XXXX. This is in correct. My birthday is XX/XX/XXXX. 

In addition, since XXXX when the policy was issued, it was never used. In other words, no health-care claims were filed against the policy. 

This is what I was told by XXXX XXXX XXXX XXXX. 

Ive had many medical bills since XXXX. But there have never been any claims filed against this health-care supplement coverage by my wife or myself. 

We also had two insurance policies during this time. One from  my wife 's work at the XXXX XXXX XXXX XXXX and the other, up until XXXX, from my job as a newspaper reporter. 

We both have my wife 's health insurance policy and I am enrolled in XXXX. 

I have unsuccessfully tried to get proof from Wells Fargo that my wife or I authorized XXXX XXXX XXXX XXXX or Wells Fargo to deduct {$24.00} every month for this plan coverage since XXXX. 

XXXX XXXX XXXX told me to check with Wells Fargo to get that authorization. Wells Fargo said to check with XXXX XXXX XXXX. 

I thought this expense on my Wells Fargo account was for my wife 's federal union dues. 

I am sure other Wells Fargo customers were also illegally enrolled in the Wells Fargo and XXXX XXXX XXXX XXXX  without their consent.
Consumer complaint received 2017-11-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (CA)

XXXX XXXX XXXX account XXXX is appearing on my XXXX and XXXX credit bureaus.it has been deleted from XXXX.ERC is a collection agency for XXXX the original creditor.At the time of the problem I contacted XXXX regarding numerous unauthorized charges.In contacting XXXX multiple times to resolve the problem, XXXX kept escalating my calls to higher authority and long hold times without answering.The issues were kept in a state of limbo by XXXX without ever addressing or resolving the problem.
Consumer complaint received 2017-11-10
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: CAPITAL ONE FINANCIAL CORPORATION (OH)

XXXX XXXX client XXXX XXXX is an identity theft victim. His information was used without his consent to apply for several credit cards. The applications were stopped however the activity generated fraudulent inquiries on his credit reports. The creditors have been notified several times of this however the inquiries remain on the credit report. This is a violation of the FCRA and our clients federal consumer rights. A current credit report shows Capital One, XXXX  XXXX and XXXX XXXX XXXX are still listed as inquiries after several formal disputes were provided.
Consumer complaint received 2017-11-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: DISCOVER BANK (CA)

Hello CFPB, My name is XXXX XXXX. On XXXX XXXX I went to XXXX -- all products -- credit cards -- See if youre pre-approved before you apply. 

Please see the link for pre-approval Discover card. 

XXXX : XXXX? XXXX I was approved XXXX times with the following text : Congrats XXXX XXXX, you XXXX XXXX for these cards : XXXX XXXX Card and XXXX XXXX XXXX. I decided to go for XXXX XXXX which was 14 month XXXX apr. After I was done with my application I received the following text : " Call pre-approve now.You are almost done. Thank you for your application. We just need a few more minutes of your time. We can help you complete your application quickly. XXXX support is available ''. 
I called and they were super nice. I thought it was the proper way for verification not to go through a new applications. A representative today told me the pre-approval system was down on Thursday-weekend and told me to reapply using the pre-approval again and for the next XXXX times was the same text. A they keep telling me XXXX hours stating that Th Pre-Approval system has been down and they dont even see my completed application last rep I spoke with told me he will forward it to the supervisor and to wait XXXX more hours. after many days and several hard inquires i found that I was denied because a change in my credit report. Nothing changed in my repot, all my credit cards are reported that paid to " XXXX ''. 

I am asking CFPB that the inquires to be removed from my credit report given that it was done under the false pretense that I was " pre-approved ''. I would not, under any circumstances, have applied for this card had it not used text that led me to believe I was already approved. My request is that XXXX to remove any hard inquires that did on my credit reports between XXXX XXXX XXXX XXXX. 

I will NOT accept the hard inquiry being on my report when they gave me false hope that I would not be denied. 
Respectfully, XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2016-04-04
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A. (CA)

On XXXX/XXXX/15 my identity was stolen & several charge cards were opened in my name. This person also went to my bank on XXXX/XXXX/15 in attempt to withdraw funds from all of my accounts. Luckily a wish bank teller refused & called me. On XXXX/XXXX/15 I called Macy 's ( they were listed as XXXX of the fraudulent accounts ) to say that the account was opened fraudulently. I was told that the card had not been used yet & they closed the acct. In XXXX XXXX I received a Macy 's bill for {$1300.00}. I called Macy 's again & was told that the card had been charged on XXXX but a processing delay meant that the rep had n't seen it when I called. They said they 'd send me the fraud claims forms & they did ... 2 MONTHS LATER. I submitted my Identity Fraud Affidavit, Police report, proof that I was at work XXXX miles away that day, & proof of identity. I waited a month & called Macy 's to check on my status ... they claimed that they never received my proof, that is until I showed that I sent it via certified mail. I was told that they 'd " expedite '' my claim ... I called in XXXX XXXX ; nothing had been done. Macy 's reported the account as delinquent & my credit was suffering. They told me that I could do nothing about that but promised to " expedite '' my claim ( again ) ... nothing happened. I called in XXXX, same thing. This time they PROMISED that my claim was being " expedited '' for real this time. In the meantime, Macy 's is still reporting the account as delinquent. I called today & requested an update on the account as well as their address to their legal department as I was going to have an attorney send a Letter to Compel. They refused to give me the info. I was put on hold three times, each for about 45 minutes before the line was disconnected. 

My rights as an identity theft victim have been violated by Macy 's reporting the account as delinquent while it is under investigation. I also feel that they are stonewalling the process my taking 8 months to investigate my claim. I have always been willing to provide more proof if needed. I feel that the fact that my bank alerted me and can verify that this person has a fake ID under my name ( XXXX misspelled ) ; that my work requires us to use a fingerprint to clock in ; that I have a police report ; and that I called Macy 's to report it as fraudulent before they knew the card had been used should be sufficient. Their refusal to provide me with the legal departments address is sleezy at best.
Consumer complaint received 2017-11-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR)

Hard inquiries where made on my account that i did not authorize. I have called both Transunion, XXXX  and creditors all parties have been unwilling to resolve my issues 1 ) XXXX XXXX XX/XX/XXXX 2 )  XXXX XX/XX/XXXX 3 ) XXXX XX/XX/XXXX 4 ) XXXX XX/XX/XXXX 5 ) XXXX XXXX XX/XX/XXXX 6 ) XXXX XXXX XX/XX/XXXX 7 ) XXXX XX/XX/XXXX 8 ) XXXX  XX/XX/XXXX 9 ) XXXX XX/XX/XXXX
Consumer complaint received 2016-10-07
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: FRANKLIN AMERICAN MORTGAGE CO. (GA)

I have a home mortgage through Franklin American Mortgage Company in which automatic payments were set up. Each month I would receive a statement that the payment was accepted. My last payment was XXXX/XXXX/16. On XXXX/XXXX/16 the next payment was due but was not drafted from my account. When I noticed the mortgage amount was not completed, I logged into Franklin American Mortgage and my balance was {$0.00}. I was never notified of any changes. When I called Franklin American Mortgage, the automated telephone just told my that my loan had been transferred and hung up. I am trying to pay my mortgage and do not know where my mortgage was transferred to.
Consumer complaint received 2017-03-12
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CO)

Alleged fraud, Bank of America claimed a permanent credit of {$1800.00} was added to our account for our use that Bank of America knew was not actually available and supported that claim with false information to cause us to use the funds to the advantage of Bank of America. Funds were not available, just a temporary fake number which was removed after use. Multiple proof in hard copy from Bank of America. fraud -intentional perversion of truth in order to induce another to part with something of value or to surrender a legal right ) - fraud -intentional perversion of truth ( claiming {$1800.00} was available in my account and the merchant had been contacted, neither was true ) in order to induce another to part with something of value or to surrender a legal right ( to falsely indicate {$1800.00} was immediately available to use on the BOA credit card ). Considerable documentation and proof in hard copy. Multiple false claims by Bank of America on available funds that were never there.
Consumer complaint received 2016-09-22
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: SELECT PORTFOLIO SERVICING, INC. (IL)

I am very devastated with all the excuses SPS has used in order to prolong my loan and all the fraudulent actions that are being used against me to deny my loan for any assistance.This needs to stop! Our monthly income is {$3000.00} and my monthly expenses are for the amount of {$2500.00}, this includes my mortgage payment. I have a surplus of {$460.00} left at the end of the month. SPS has changed my income for their own advantage and to deny my loan.I have always provided my proof of income to SPS. However, SPS keeps forcing me to re-apply all the time. I am not working nor my husband and we only collect social security income and rental income. SPS has my rental lease and my Social security award letters for proof. However this seems to not be enough proof for SPS. My husband and I are elderly people and this is starting to affect our health. We just want to save our home and fighting our right as home owners. We did not want to do this but we are just tired and we are in desperate need of assistance. I am attaching proof of the last XXXX reviews done by SPS and you will see how my income has being changed for there own advantage. Please help us to stay in our house.
Consumer complaint received 2017-11-10
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: EQUIFAX, INC. (NY)

I am writing in reference to a previous case I opened at the XXXX that is now closed reference number is XXXX in this you can confirm and verify the creditor has stated they will remove the account from all national credit reporting agencies. This has not taken place on my Equifax credit report. I demand this be corrected as this account does not belong on my credit report as it was fraud and has been promised to be removed by the original creditor who is XXXX XXXX and is reporting incorrectly negative on my equifax credit report as it should not show at all because i was told it will be deleted.
Consumer complaint received 2017-11-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (WA)

In XXXX XXXX our mortgage was transferred to this company from XXXXk. We went 4 months without receiving a statement. The loan was paid off. XXXX incorrectly reported to the credit bureaus that the loan was over 120 days late over {$1.00}. We have repeatedly contacted XXXX and they agreed to remove all aspects of any reporting to any credit bureau. As of todays date, Equifax and XXXX are still reporting this account. We simply want it removed. 

XXXX agreed to remove this. See attached letter. Yet it has not happened.
Consumer complaint received 2016-10-07
Product: Mortgage — VA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Freedom Mortgage Company (NC)

I have made multiple daily attempts over the course of 5 days to obtain a loan assumption packet from Freedom Mortgage. I have spoken to a different rep each time and been given a different answer as to how I obtain this. First it was a simple sheet I fill out and email to customer service. This did n't work. That was XXXX failed attempts with them stating I did n't give proper info. When in fact they were emailed my phone, email, property address, name and loan number. She said " well maybe it was n't legible ''. I assured each person that it was legible because it was a typed document. Then different rep tells me it is a form that can be emailed or faxed. Did n't work either. Then I ask to speak to supervisor and she tells me they have to send it certified mail. I wait. Nothing. Call back lands a different rep. She puts me on hold and I get hung up on. Call back. Yet another rep today states that it can in fact be emailed or faxed to me and is set to get to me by XXXX XXXX or c.o.b. Monday. I feel like this is a stall tactic for some reason with this company and they would rather have me foreclose and take my home. All I want is the packet so the new borrower can assume loan. Please help!!!
Consumer complaint received 2024-08-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.
Consumer complaint received 2017-11-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

Capital One Bank is operating a fake dispute resolution department where they only pretend to investigate credit card fraud on their customers and arbitrarily take the side of the fraud perpetrators apparently in order to save costs for themselves that would be required to fully investigate the fraud. 

In XXXX, 2017, a moving company in XXXX called XXXX XXXX XXXX XXXX fraudulent overcharged me by use of my Capital One Spark Business Visa for approximately {$2800.00}, and also damaged thousands of dollars of my property in the move. 

I reported this fraud to Capital One, but Capital One summarily and arbitrarily sided with XXXX XXXX XXXX XXXX and failed and refused to fully investigate the facts of the fraud. Instead, Capital One sent form letters to me about the dispute, which letters when read carefully demonstrate that Capital One did NOT fully investigate the fraud. 

Capital One charged my account for the fraudulent amount and then charged me interest and late fees and has made derogatory reports about me to all of the credit reporting agencies. 

If I had the resources to do so, I would bring a federal class action lawsuit against Capital One, but I am retired and am not in a position to do that. Our government should put a stop to this massive fraud by Capital One Bank on all of their customers throughout the country. 

Thank you for your assistance in this matter.
Consumer complaint received 2016-09-22
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (MA)

We took out a XXXX balloon equity mortgage which was due to mature in XXXX. We paid interest only and the principle was due upon maturity. According to the contract, HFC ( XXXX Beneficial Finance ) was to send us notice 90-days prior to maturity. While we never received that, we thought, maybe it was a XXXX loan which would mature at the same time as our first mortgage, but never questioned it. We were tricked into paying this for an additional 6 years because we were consistently being billed. When they contacted us for the principal, in XXXX of XXXX, they informed us we had until XXXX, XXXX to pay it. ( Thus the XXXX notice. ) I was able to locate all of the original documents at which time, I noticed it should 've been called in by the company in XXXX, XXXX! I want all of my overpayments refunded to me! That was 6 years in interest charges. It amounts to almost {$40000.00}!!
Consumer complaint received 2017-02-13
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: AMERICAN EXPRESS COMPANY (VA)

I have been an American Express customer since 2007. Today I was notified that a credit limit was placed on an otherwise unlimited account. 

I have not missed any payments and nothing has changed financially for me. 

Working for a XXXX, it is important that I actively manage my account. Additionally, I am up to date with institutions misrepresenting and misleading consumers. 

I contacted AMEX and they said they made the determination based on a credit bureau. I find this hard to believe since my credit score has been improving and consider very good. 

AMEX has damaged me and my reputation.
Consumer complaint received 2016-10-06
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: Jon Barry and Associates, Inc. (SC)

On XXXX/XXXX/XXXX I was alerted by XXXX that there was a new entry added to my credit report. The collections agency that had reported was Paragon Revenue Group. They were stating that I owed {$180.00} in the year of XXXX. They stated that i was seen in the month of XXXX of XXXX at XXXX XXXX XXXX XXXX XXXX. I explained that I have no knowledge of ever being seen on that date. I also explained that I called the hospital and asked them to run my social, dob and name to see if they had any past due accounts or medical forms or records by any name. They informed me that they had nothing in the year of XXXX. The only thing they had was when i was brought in XXXX by my mother and the amounts that were due at that time was XXXX for {$55.00} and XXXX for XXXX even. I also went to their online site and put in the account number that paragon gave me and there was no record of it. I called paragon and informed them of all this They then sent me to someone that " handles those type of accounts '' which was a voicemail. I then called back and a man answered the phone and tried to tell me he was someone else when he clearly was not. He then transferred me to another voicemail. At this point I was very frustrated and called back and demanded to speak to a person. A lady got on the phone and told me that this was a debt from XXXX of XXXX. I repeated that I had never been to the hospital around that time and informed her of the information that was given to me by XXXX XXXX. I also let her know that taking old debt that is past the statute of limitations and trying to collect on it was illegal. This has caused major problems with my credit score as they have been reporting to all major credit reporting agencies. Thank you for your help.